JP2023031501A - Application support system, benefit application system, application support method and program - Google Patents

Abstract

To provide a system that supports an insurance benefit application procedure.SOLUTION: An application support system acquires application information necessary for an insurance benefit application from a terminal device, collates text information with an image included in the application information for a prescribed item, requests confirmation to the terminal device when collation fails, acquires correction information or confirmed information for the request, records check result information including the collation result and confirmation information for all the items while repeatedly executing processing of performing collation again and requesting confirmation for the item in which collation fails until collation for all the items succeeds or confirmation is done, and outputs the final application information and check result information.SELECTED DRAWING: Figure 1

Description

The present invention relates to an application support system, a benefit application system, an application support method, and a program.

A system is provided in which policyholders of insurance apply for insurance benefits by online application. For example, the applicant enters the required information into a web application system provided by an insurance company, and uploads a photographed image of a document (such as a receipt from a medical institution). The insurance company checks the application details entered from the web application system, and if there is no problem, pays the benefits. As a related technique, Patent Document 1 discloses a process of obtaining image data including written information on a bill including attached documents from an insurance policyholder, a process of converting the image data into character data, and a process of converting the character data. and displaying on a display device for content assessment.

JP-A-2004-94520

When applying for benefits using the online application system, the following mistakes are likely to occur. (1) Misinput of necessary information such as the name of the medical institution, (2) Mistake in photographing of certification documents such as receipts and medical certificates (mistakes in the certificate itself, photographing documents other than the applicant, etc.) . If the online application is submitted with such mistakes, the mistake will be found in the audit of the application content, and it will be necessary to reapply the application at a later date. This is a hassle for both applicants and auditors.

Accordingly, an object of the present invention is to provide an application support system, a benefit application system, an application support method, and a program that solve the problems described above.

According to one aspect of the present invention, an application support system includes means for obtaining text information including application information necessary for applying for insurance benefits from a terminal device, and obtaining an image including the application information from the terminal device. means for comparing the text information with the information read from the image for a predetermined item of the application information; and requesting confirmation from the terminal device for an item for which the matching has failed. means for acquiring correction information transmitted from the terminal device in response to the confirmation request or confirmed information indicating that no correction is required; and only the confirmed information in response to the confirmation request. is sent or until the matching is successful for all the items, means for controlling to repeat the matching for the correction information and the sending of the information requesting confirmation; means for recording check result information including whether or not the verification result and the confirmed information have been acquired for each of the means for outputting the final application information and the check result information after the collation is successful for the item.

According to one aspect of the present invention, a benefit application system includes a terminal device used by an applicant for an insurance benefit to apply for the benefit, an application system for accepting an application for the benefit, and the application support system described above. and, when an application for payment of the benefit is made from the terminal device to the application system, the application system requests the terminal device to transmit the application information, and in response to the request, the terminal device , the application information is transmitted to the application support system, and the application support system outputs the final application information and the check result information to the application system.

According to one aspect of the present invention, an application support method includes the steps of obtaining text information including application information necessary for applying for insurance benefits from a terminal device, and obtaining an image including the application information from the terminal device. a step of comparing the text information with the information read from the image for a predetermined item of the application information; and requesting confirmation from the terminal device about an item of the items for which the matching fails. obtaining correction information or confirmed information indicating that correction is not required sent from the terminal device in response to the confirmation request; and obtaining only the confirmed information in response to the confirmation request. is sent or until the matching is successful for all the items; a step of recording check result information including whether or not the verification result and the confirmed information is acquired for each of the A step of outputting the final application information and the check result information after the matching is successful for the item.

According to one aspect of the present invention, the program causes the computer to acquire text information including application information necessary for applying for insurance benefits from a terminal device, and acquire an image including the application information from the terminal device. a step of comparing the text information with the information read from the image for a predetermined item of the application information; and requesting confirmation from the terminal device about an item of the items for which the matching fails. obtaining correction information or confirmed information indicating that correction is not required sent from the terminal device in response to the confirmation request; and obtaining only the confirmed information in response to the confirmation request. is sent or until the matching is successful for all the items; a step of recording check result information including whether or not the verification result and the confirmed information is acquired for each of the A step of outputting the final application information and the check result information after the matching is successful for the item.

According to the present invention, it is possible to reduce the time and labor required for insurance benefit application procedures.

1 is a block diagram showing an example of an insurance benefit application system according to an embodiment; FIG. It is a first diagram showing an example of insurance benefit application processing according to the embodiment. It is a second diagram showing an example of insurance benefit application processing according to the embodiment. It is a figure explaining the determination processing of the application information which concerns on embodiment. It is a figure explaining an applicant's confirmation process with respect to the determination result which concerns on embodiment. It is a figure which shows an example of the result of the application procedure which concerns on embodiment. It is a figure showing an example of hardware constitutions of an insurance benefit application system concerning an embodiment.

<Embodiment>
An insurance benefit application system according to an embodiment of the present invention will be described below with reference to FIGS. 1 to 6. FIG.
(System configuration)
FIG. 1 is a block diagram showing an example of an insurance benefit application system according to an embodiment.
The insurance benefit application system 100 includes a terminal device 10 used by an applicant 50 who applies for insurance benefits, a web application system 20 of an insurance company that pays insurance benefits, an application support system 30, an OCR (Optical Character Reader) system 40 . The terminal device 10 and the web application system 20, the web application system 20 and the application support system 30, the terminal device 10 and the application support system 30, and the application support system 30 and the OCR system 40 are communicably connected via a network. .

The terminal device 10 is a terminal device such as a smartphone, a PC (personal computer), or the like, which has a photographing means. The terminal device 10 includes a camera 11, an input unit 12 configured using input devices such as a keyboard, mouse, touch panel, and buttons, a display unit 13 configured using a display device such as a liquid crystal display, and a terminal device. A control unit 14 that controls the operation of 10, a communication unit 15 that is configured using a communication module and performs communication with other devices, and a storage device such as a HDD (hard disk drive) or flash memory. and a storage unit 16 that stores various data.

The web application system 20 is composed of one or more computers. In recent years, insurance companies often accept applications for insurance benefits from customers on the Web, and the Web application system 20 is one of the systems that implement such online applications using the Internet. For example, when an applicant 50 who is a customer of an insurance company accesses the web application system 20 using the terminal device 10 and applies for benefits related to insurance contracted in advance, the web application system 20 It has a function of generating an input screen for inputting information (referred to as application information) necessary for the application, transmitting the input screen to the terminal device 10, and receiving the application information input from the input screen at the terminal device 10 are doing. The application information input by the applicant 50 often contains errors, and in this embodiment, the application support system 30 checks the application information. In other words, the web application system 20 receives the application information input by the applicant 50 using the terminal device 10 via the application support system 30, thereby receiving checked application information. The web application system 20 differs from a general web application system for insurance benefits in that it receives application information input by the applicant 50 via the application support system 30 . The web application system 20 also receives the application information input by the applicant 50 and the result of checking the application information by the application support system 30 . The Web application system 20 includes a customer information DB (DB is an abbreviation for database; the same shall apply hereinafter) 21 and an application information DB 22 . In the customer information DB 21, the applicant's 50 name, address, contact information, transfer account information, date information of various certificates submitted in the past, and the like are registered. The application information checked by the application support system 30 is registered in the application information DB 22 for each customer. It should be noted that checking the application information by the application support system 30 alone is insufficient for the insurance benefits to be paid, and a final audit by the auditor 60 is required. The inspector 60 accesses the customer information DB 21 and the application information DB 22 using the terminal 23, confirms the content of the application by the applicant 50, and determines whether or not the insurance benefit can be paid. If it is determined that payment is possible, the applicant 50 is paid the insurance benefit.

The application support system 30 includes a text information acquisition section 31 , an image acquisition section 32 , an output section 33 , a communication section 34 , a storage section 35 and an application information confirmation section 36 .
The text information acquisition unit 31 acquires text information from the application information. For example, the text information acquisition unit 31 obtains the applicant's 50 name, address, transfer account information, e-mail address, hospitalization history, number of surgeries, disease name, medical treatment date (for example, first medical examination date), hospitalization date, medical institution name, doctor Get information such as first name. These are the information entered from the application information entry screen provided by the Web application system 20 . The text information acquisition unit 31 also acquires information (receipt, medical statement, etc.) indicating the type of certificate issued by a medical institution and required for applying for insurance benefits. Information indicating the type of certificate is automatically added to the image as attribute information when the applicant uploads the image described below from the input screen.

The image acquisition unit 32 acquires an image in the application information. An image is a photographed image of various certificates necessary for applying for an insurance benefit. The certificate includes a receipt from a medical institution, a medical bill, and a hospital discharge certificate in addition to a receipt and medical bill when the applicant 50 is hospitalized.
As a result of checking the application information, if there is an error, the output unit 33 outputs information prompting correction of the application information to the terminal device 10, outputs the application information after the check to the Web application system 20, or outputs the image acquisition unit. 32 outputs the acquired certificate image to the OCR system 40 .

The communication unit 34 is configured using a communication module and communicates with other devices. The communication unit 34 communicates with the terminal device 10 , the web application system 20 and the OCR system 40 . The text information acquisition section 31 and the image acquisition section 32 acquire application information from the terminal device 10 via the communication section 34 . The output unit 33 outputs information to the terminal device 10 , the web application system 20 and the OCR system 40 via the communication unit 34 .
The storage unit 35 is configured using a storage device such as an HDD (hard disk drive) or flash memory, and stores various data.

The application information confirmation unit 36 executes and controls processing for checking the contents of application information. For example, the application information confirmation unit 36 checks whether the application information is appropriate, and if it finds any inadequacies, requests the applicant 50 to correct the application information, and determines the application information to be provided to the insurance company. The application information confirmation unit 36 includes a collation unit 361 and a registration unit 362 .
The verification unit 361 checks (A) information indicating the type of certificate (certificate title) added to the certificate image, (B) the name of the applicant 50 entered from the input screen, and (C) the medical institution. The details of the name and (D) date are compared with the details of (A) to (D) included in the image of the certificate to determine whether the input text information and the captured image are appropriate. The contents of (A) to (D) included in the certificate image are extracted from the image taken by the applicant 50 by the OCR system 40 .
The registration unit 362 registers the confirmed application information in the storage unit 35 and provides the Web application system 20 with the confirmed application information and the check results.

The OCR system 40 receives the certificate image from the application support system 30, reads the above items (A) to (D) from the certificate image by OCR, and provides the text information of the read result to the application support system 30. Send to There are no particular restrictions on the method of reading the required information from the image of the certificate. For example, it is possible to recognize the position in the image where the name of the medical institution or the title of the certificate is printed based on pattern recognition or a certificate layout template, and read items (A) to (D). , deep learning or the like may be used to extract text information (AI-OCR).

The application support system 30 and the OCR system 40 may be systems operated and managed by the insurance company itself, or may be operated and managed by a service provider that provides a service for supporting the checking of application documents. It may be a system. Various functions provided by the application support system 30 and the OCR system 40 may be provided by cloud services such as so-called SaaS (Software as a Service).

(motion)
Next, operation of the insurance benefit application system 100 will be described with reference to FIGS. 2A to 5. FIG.
2A and 2B are first and second diagrams, respectively, showing an example of insurance benefit application processing according to the embodiment.
First, the applicant 50 starts applying for insurance benefits (step S1). For example, the applicant 50 operates the terminal device 10 to access the customer-dedicated site of the Web application system 20, enter the account information, log in, and perform an operation to request the start of insurance benefit application. In response, the web application system 20 generates an input screen and transmits the input screen to the terminal device 10 (step S2). An input screen generated by the web application system 20 is displayed on the display unit 13 . For example, the input screen consists of a plurality of pages, the first page displays the conditions for receiving insurance benefits, and if the applicant 50 satisfies the conditions, the application information is entered on the following pages. configured to be able to For example, on the next page, enter the presence or absence of hospitalization, the number of days of hospitalization, the presence or absence of surgery, the name of the disease, the date of the first medical examination, the length of hospitalization, the date of the surgery, and the name of the surgery. It is configured to input postal code, telephone number, doctor's name, transfer account information, e-mail address, and the like. For some information such as the name, address, and bank account information of the payee, the Web application system 20 reads information linked to the account information at the time of login from the customer information DB 21, and displays the read information on the input screen. It may be set as a default value for the corresponding item. The applicant 50 uses the terminal device 10 to input the text information of the application information from the input screen (step S3). FIG. 3 illustrates an input screen 200a for inputting text information. For example, the applicant 50 enters textual information such as name, zip code, address, doctor's name, and the like. Also, on another page, the applicant 50 inputs information such as the name of the medical institution, the date of the first visit, the period of hospitalization, the name of the disease, the name of the operation, and the like. The input text information is stored in the storage unit 16 in association with each item.

Next, the applicant 50 takes an image of the certificate using the terminal device 10 (step S4). When text information is entered on the input screen 200a or the like, the display unit 13 displays an input screen 200b (FIG. 3) prompting the user to take an image of a receipt, a medical bill, and a discharge certificate. For example, the input screen 200b is provided with buttons for "photograph receipt", "photograph medical bill", and "photograph discharge certificate". When these buttons are pressed by the operation of the applicant 50, the camera 11 of the terminal device 10 is activated. The applicant 50 presses the "photograph receipt" button to photograph the receipt 17 issued by the medical institution. The receipt 17 is printed with (A) the title of the certificate, (B) the name of the applicant, (C) the name of the medical institution, and (D) the date. The captured image of the receipt 17 is attached with attribute information “receipt” indicating that the image is captured as a receipt, and is stored in the storage unit 16 . Similarly, the applicant 50 presses the "photograph medical statement" button to photograph the medical statement 18 issued by the medical institution. Information (A) to (D) is also printed on the medical bill 18 . Attribute information of “medical bill” indicating that the image is captured as a medical bill is attached to the image of the medical bill 18 and stored in the storage unit 16 . Further, when the applicant 50 is hospitalized, the applicant 50 presses the "photograph of hospital discharge certificate" button to photograph the hospital discharge certificate 19 issued by the medical institution. The photographed image is attached with attribute information of “certificate of discharge” and stored in the storage unit 16 . These captured images are images of the application information. Attribute information such as "receipt" is text information in the application information.

When "What is a receipt?" is pressed on the input screen 200b, an explanation of the receipt and a sample image of the receipt are displayed. A sample image of the book is displayed. The applicant 50 can search for receipts and medical bills among many documents issued by medical institutions while checking sample images and the like.

After the image is captured, when the applicant 50 performs a predetermined operation, the application information input in steps S3 and S4 is transmitted. In this embodiment, the communication unit 15 transmits the application information input to the application support system 30 and the account information of the applicant 50 (step S5). In the application support system 30, the text information acquisition unit 31 acquires the text information of the application information and the account information of the applicant 50 via the communication unit 34 and stores them in the storage unit 35, and the image acquisition unit 32 , an image in the application information is acquired and stored in the storage unit 35 . Next, the application information confirmation unit 36 reads the image of the certificate (receipt and medical bill, or receipt, medical bill and discharge certificate) stored in the storage unit 35 and The image thus read out is sent to the OCR system 40, and a request is made to extract necessary items from the image (step S6). The OCR system 40 extracts necessary items (above (A) to (D )) is extracted by OCR (step S7). For example, the OCR system 40 performs text recognition by pattern recognition, AI-OCR, or the like, and extracts necessary items. An example of information extracted by OCR is shown in extraction results 201b and 202b in FIG. The OCR system 40 transmits the information (A) to (D) extracted from each image to the application support system 30 for each certificate type (step S8). In the application support system 30 , the application information confirmation section 36 receives the extracted information via the communication section 34 and stores it in the storage section 35 .

Next, the application information confirmation unit 36 transmits the account information of the applicant 50 to the Web application system 20, and requests the customer information linked to the account information of the applicant 50 (step S9). Specifically, the application information confirmation unit 36 requests the name of the customer linked to the account information and date information of various certificates submitted in the past. The web application system 20 reads the name of the customer corresponding to the account information and the date information of the certificate from the customer information DB 21, and transmits the name of the customer to the application support system 30 (step S10). The application information confirmation unit 36 receives the name and certificate date information associated with the account information of the applicant 50 via the communication unit 34 and stores them in the storage unit 35 .

Next, the application information confirmation unit 36 (collation unit 361) checks the application information (step S11).
(A) Certificate title The matching unit 361 compares the title of the certificate extracted from the image by OCR with the attribute information of the image to check whether they match. For example, the collation unit 361 collates the title of the certificate extracted from the photographed image of the receipt 17 with the attribute information “receipt” attached to the photographed image of the receipt 17 . In the extraction result 201b of FIG. 3, the text information of "receipt" is extracted as a result of the OCR extraction. "Receipt" is compared to confirm that they match, and it is determined that the certificate title related to receipt 17 is correct. The collating unit 361 similarly collates the attribute information and the title extracted by OCR for images of the medical record 18 and the hospital discharge certificate 19 (only at the time of hospitalization). Note that some medical institutions issue documents with titles such as "bill", "receipt", and "receipt" printed instead of receipts. In order to deal with such a certificate, for example, dictionary data in which synonyms of receipts are registered is registered in the storage unit 35, and the matching unit 361 stores the title read from the image in the dictionary data. If the title is registered as a synonym, it is determined that the title matches. In this dictionary data, for example, "bill", "receipt", and "receipt" are registered in association with "receipt". When the applicant 50 presses the "photograph receipt" button on the input screen 200b and photographs the "receipt", the OCR system 40 extracts "receipt" as the certificate title. When comparing the attribute information “receipt” with the extracted text information “receipt”, the collation unit 361 refers to the dictionary data to reverse lookup “receipt” from “receipt”, and obtains the attribute information “receipt”. Compare with Receipt. As a result, accurate matching can be performed regardless of the inconsistencies in the notation of the certificate title. The collation unit 361 determines whether the title extracted from each image is correct, and further determines whether the necessary documents are complete. For example, when the applicant 50 is not hospitalized, the verification unit 361 determines that the necessary documents are complete if the titles of "receipt" and "medical certificate" are correct, and the applicant 50 is hospitalized. If the titles of "Receipt", "Medical Certificate", and "Discharge Certificate" are correct, it is determined that the necessary documents are present.

(B) Name of Applicant The matching unit 361 checks the name of the applicant 50 extracted from each image by OCR, the name input on the input screen 200a, and the name (customer information) obtained from the Web application system 20. name associated with the account information registered in the DB 21). For example, the matching unit 361 regards the name acquired from the Web application system 20 as the positive name, the name input on the input screen 200a, the name extracted from the image of the receipt 17 by OCR, and the image of the medical statement 18. The name extracted by OCR from the hospital, and the name extracted by OCR from the image of the discharge certificate 19 in the case of hospitalization are collated. At this time, the matching unit 361 may perform matching without distinguishing between new characters and old characters, for example, based on dictionary data in which correspondence relationships between new characters and old characters are registered. If they all match, the collation unit 361 determines that the requested name information is correct. If even one of the names is different from the name registered in the customer information DB 21, the matching unit 361 determines that the name in the application information is not correct, and specifies an information source that differs from the name in the customer information DB 21. . For example, if the name extracted by OCR from the image of the receipt 17 is “Nippon Taro” and all the others are “Nippon Taro”, the matching unit 361 determines that the information source different from the name in the customer information DB 21 is the image of the receipt 17. Identify there is. If the result of OCR extraction is "Nippon Taro", there is a possibility that "Nippon Taro" is correctly written on the receipt 17 due to an OCR recognition error. Therefore, the identified information source (receipt 17) is subject to confirmation, and the application support system 30 requests the applicant 50 to confirm the name in a later step.

(C) Medical Institution Name The collating unit 361 collates each medical institution name extracted from each image by OCR with the medical institution name input on the input screen 200a. At this time, the matching unit 361 may perform matching without distinguishing between new characters and old characters, for example, based on dictionary data in which correspondence relationships between new characters and old characters are registered. Alternatively, even for a single medical institution, there may be a difference between the name of the medical institution on the receipt 17, the name of the medical institution on the medical statement 18, and the name of the medical institution publicly announced. be. In order to absorb such differences, dictionary data in which various medical institution names owned by one medical institution are registered is registered in the storage unit 35. Verification may be performed in consideration of the inconsistencies in the notation of the given name. If all the medical institution names included in the application information match, the matching unit 361 determines that the information of the applied medical institution name is correct. If even one of them is different, the matching unit 361 determines that the medical institution name in the application information is not correct, and identifies an information source different from the others. For example, if the medical institution names extracted by OCR from the images of the receipt 17 and the medical statement 18 are both "○○ hospital" and the medical institution name input on the input screen 200a is "○○ general hospital", The unit 361 identifies that the information source different from others is the medical institution name input on the input screen 200a. Further, when the medical institution names obtained from the three information sources are all different, the matching unit 361 selects the three information sources (the image of the receipt 17, the image of the medical statement 18, the image of the medical bill 18, and the Identify the entered medical institution name). Even if the matching result of the medical institution name is determined to be incorrect, there is a possibility that it is caused by erroneous recognition by OCR or the medical institution name used by the medical institution. Therefore, the specified information source becomes a confirmation target, and the application support system 30 requests the applicant 50 to confirm the name of the medical institution in a later step.

(D) Date The collation unit 361 collates each date extracted from each image with the date of medical treatment (date of first medical examination) and the date of admission (hospitalization period) input on the input screen 200a. (D-1) The collation unit 361 extracts the date OCR-extracted from the images of the receipt 17, the medical bill 18, and the hospital discharge certificate 19 (only at the time of admission), and the date of medical treatment and the date of admission entered on the input screen 200a. It is determined whether or not there is a deviation equal to or greater than a predetermined threshold between If there is a deviation equal to or greater than the threshold, the matching unit 361 determines that the date included in the application information is incorrect. The matching unit 361 identifies information sources that include dates that are different from others by a threshold value or more. (D-2) In addition, the collation unit 361 compares each date included in the application information with the current date to determine whether or not the period during which insurance benefits can be applied has passed. If it has passed, the collation unit 361 determines that the date included in the application information is incorrect, and identifies the information source that includes the date that the deadline has passed. Information such as the threshold value used for determining the date of (D-1) and the application possible period of (D-2) is set in advance and registered in the storage unit 35 . (D-3) In addition, the collation unit 361 compares each date included in the application information with the date information of the certificate submitted in the past acquired in step S10, and if both match, the date included in the application information is date is incorrect. At this time, the matching unit 361 may, for example, compare only the date OCR-extracted from the image of the receipt 17 and the date information of the receipt 17 submitted in the past. In addition to 17, date information in medical specifications 18 and discharge certificate 19 may be compared. The collation unit 361 identifies an information source that matches the date of the certificate submitted in the past.

The collation unit 361 determines that all date differences for (D-1) are within the threshold value, for (D-2) the insurance benefit application period has not passed, and for (D-3) in the past If the date information on the submitted certificate does not match, the date contained in the application information is determined to be correct. Even if the date matching result is determined to be incorrect, it may be due to erroneous recognition by OCR or the like. Therefore, the identified information source becomes a confirmation target, and the application support system 30 requests the applicant 50 to confirm the date in a later step. When the checks of (A) to (D) by the collation unit 361 are completed, the registration unit 362 registers the result in the storage unit 35 in association with the account information. For example, if it is determined that (A) to (C) are correct, and (D) is determined to be incorrect, the registration unit 362 outputs "(A) 0, (B) 0, (C) 0, (D) x” is registered in the storage unit 35.

When the checking of the application information for (A) to (D) by the collating unit 361 is completed, the application information confirming unit 36 determines whether the application content is appropriate (step S12). When the collation unit 361 determines that all of (A) to (D) are correct (including determination that the certificate is complete for (A)), the application information confirmation unit 36 confirms that the application content is Appropriate, otherwise, the content of the application is considered appropriate. If it is determined that the content of the application is appropriate (step S12; Yes), the process proceeds to step S17.

If it is determined that the application content is not appropriate (Step S12; No), the application information confirmation unit 36 requests the applicant 50 to confirm and correct the application information (Step S13). Specifically, the application information confirmation unit 36 identifies the information source and its data when each of (A) to (D) is determined to be incorrect, and the other information source and its data used for collation. A confirmation screen displayed so as to be compared is generated, and the generated confirmation screen is transmitted to the terminal device 10 . In the terminal device 10 , the communication section 15 receives the confirmation screen, and the control section 14 displays the confirmation screen on the display section 13 . An example of the confirmation screen is shown in FIG. In the check result display column 301a of the confirmation screen 300a in FIG. 4, the judgment results for each of (A) to (D) are listed. For example, if the determination result of (A) is not correct, information such as "(1) The name of the medical institution entered from the application form does not match the name of the medical institution on the receipt" is displayed. When the applicant 50 presses the "Confirm" button, a confirmation screen 300b displaying detailed contents for each of the listed judgment results is displayed. Details of the first check result (1) are displayed in a detail display field 301b of the confirmation screen 300b. In the illustrated example, an area 301c displays the medical institution name "○○ general hospital" input on the input screen 200a, an image of the receipt 17 is displayed in the area 301d, and the text information "○○ general hospital" is displayed in the area 301d. ” and the OCR-extracted “○○ hospital” are different.

For example, text information is displayed for the medical institution name input on the input screen 200a, and an image of the receipt 17 is displayed for the receipt 17. FIG. An image of the medical statement 18 may be further displayed in the detailed display field 301b. The applicant 50 confirms the contents displayed in the detailed display column 301b to confirm whether the receipt 17 photographed by him/herself is appropriate and whether the name of the medical institution he/she entered is appropriate. Correct (step S14). For example, if the entered medical institution name is not appropriate, the applicant 50 presses the "correct input information" button. When the "correct input information" button is pressed, the application support system 30 is notified that the button has been pressed, and the application information confirmation unit 36 generates a correction screen for entering the name of the medical institution, and the terminal Send to device 10 . The correction screen is displayed on the display unit 13, and the applicant 50 inputs an appropriate medical institution name on the screen. The entered medical institution name is transmitted to the application support system 30 (step S15), and the text information acquisition unit 31 acquires the corrected medical institution name and records it in the storage unit .

Similarly, if the photographed receipt 17 is not appropriate, the applicant 50 presses the "retake image" button. When the "retake image" button is pressed, the camera 11 of the terminal device 10 is activated. The applicant 50 prepares the correct receipt 17 and operates the terminal device 10 to photograph the correct receipt 17.例文帳に追加The captured image of the receipt 17 is transmitted to the application support system 30 (step S15), and the image acquisition unit 32 acquires the image of the receipt 17 and records it in the storage unit 35. FIG.

In addition, if there is no error in the "○○ general hospital" entered by the applicant 50 and the "○○ hospital" described in the receipt 17, the applicant 50 clicks the "confirmed (no problem)" button. Press. When the "confirmed (no problem)" button is pressed, the application support system 30 is notified that the button has been pressed (step S15), and the application information confirmation unit 36 confirms "confirmed" via the communication unit 34. receive information about Upon receiving the “confirmed” information, the application information confirmation unit 36 determines that the check item (A) has been confirmed. The registration unit 362 associates that the check item (A) was determined to be incorrect by the determination by the collation unit 361, but the applicant 50 determined that the content was correct, with the account information of the applicant 50, Register in the storage unit 35 . For example, the registration unit 362 registers information such as “verification (A)×, applicant (A) ◯” in the storage unit 35 .

When the applicant 50 corrects or confirms the application information by pressing one of the buttons "correct input information", "retake image", and "confirmed (no problem)", the details display column 301b , the detailed contents for the following check results are displayed. For example, FIG. 4 illustrates the confirmation screen 300b for (C) the name of the medical institution, but if the next check result is (B) the name of the applicant, the The input text information of the name of the applicant 50, the image of the receipt 17, etc., and the name registered in the customer information DB 21 may be displayed side by side to prompt the applicant 50 to correct and confirm. In addition, in the case of (A) the title of the certificate, display the image of the certificate and the attribute information of the image so that it can be compared with the message "Please confirm that the items of the required documents and the photographed image are correct." The person 50 may be prompted to correct and confirm. Also, if the necessary certificates are not available, a display or the like may be provided to teach the missing certificates. In addition, in the case of (D) date, it is possible to compare the image of the certificate and the entered medical treatment date (text information) along with the message "Please confirm whether the entered medical treatment date or the photographed certificate information is correct". to prompt the applicant 50 to correct and confirm. In addition, when the application period has passed, a message such as "the application period has passed" is displayed. Also, if an error indicating that text information cannot be extracted is output from the OCR system 40 and collation is not possible in the first place, it is possible that the image is out of focus or that the photographing range is incorrect (necessary information is not photographed). Since there is a possibility, the detail display field 301b may display a message such as "Please re-take the photograph because the photographed certificate image cannot be recognized" to prompt re-taking of the photograph. The applicant 50 corrects or confirms the application information with respect to these check results. Applicant 50 repeats the same operation for all items determined to be incorrect by collation unit 361 .

When the corrected application information or the “confirmed” information for all the items determined to be incorrect by the collation unit 361 is transmitted, the application information confirmation unit 36 confirms that all the information received from the terminal device 10 is “confirmed”. ” (step S16). If all are “confirmed”, it means that the applicant 50 has confirmed that the application information is correct regardless of the determination result of the collation unit 361 . In this case (step S16; Yes), the process proceeds to the next step S17.

If the confirmation results include items that are not "confirmed" (step S16; No), that is, if some application information has been corrected, the collation section 361 repeatedly checks the application information. For example, when the image is retaken, the application information confirming unit 36 executes the processes after step S6 again. For example, when the text information is corrected, the application information confirming unit 36 executes the processes after step S11 again.

If all the determination results of the application information are correct (step S12; Yes), or if all the confirmation results received from the terminal device 10 are "confirmed" (step S16; Yes), the application information confirmation unit 36 (registration unit 362 ) confirms the application information and registers the check result (step S17). For example, the registration unit 362 selects the application information (text information and image of each certificate) in a state where the determination result of the application information is correct or "confirmed" from among the application information recorded in the storage unit 35. and finalize them as the final application information. The registration unit 362 sorts out the final determination result by the collation unit 361 and the final confirmation result by the applicant 50 for each item (A) to (D). An example of organized judgment results and confirmation results is shown in FIG. In the table of FIG. 5, (A) the title of the certificate was determined to be incorrect by the verification unit 361, but was determined to be "confirmed" by the applicant 50, and (B) the applicant's name, ( C) medical institution name and (D) date are shown to have been determined to be correct by the collation unit 361 .

The application information confirmation unit 36 transmits the confirmed application information and the arranged check results to the Web application system 20 (step S18). The web application system 20 receives the application information and the check results, and stores them in the application information DB 22 . The inspector 60 accesses the application information DB 22 using the terminal 23, performs an inspection based on the application information and the check result (step S19), and considers the payment of the insurance benefits to the applicant 50. The content is checked by the application support system 30, and examination is performed based on the application information corrected by the applicant 50 as necessary, so the inspector 60 can efficiently audit the application information. Also, by referring to the check result (FIG. 5), the auditor 60 can confirm that the content of the application information is confirmed as correct by the applicant 50, even if the application information seems to have an error. It can be audited after understanding. As a result, it is possible to prevent the applicant 50 from being excessively requested to reconfirm the application information. The inspector 60 notifies the applicant 50 of the result of the application (step S20). For example, the Web application system 20 sends an e-mail to the e-mail address of the applicant 50 input in step S3, describing whether or not the insurance benefit can be paid.

(effect)
As described above, according to this embodiment, the information (medical institution name, name of the applicant 50, etc.) included in the image of the medical institution certificate (receipt 17, etc.) is extracted, and the information and the application procedure are extracted. Appropriateness of the application information is automatically determined by collating the text information input at the time and the personal information registered in the customer information DB 21 of the insurance company. Further, by requesting the applicant 50 to re-input or re-take an image of information determined to be incorrect as a result of the automatic determination, it is possible to update the application information to correct application information. Further, when the automatic determination is wrong, the applicant 50 can notify the system side that the automatic determination is wrong and the application information is correct. By recording the result of automatic judgment and the result of confirmation by the applicant 50 (Fig. 5), it is possible to grasp the circumstances under which the application information was finally confirmed, and the application information can be used for the audit of As a result, according to the insurance benefit application system 100 of the present embodiment, both the applicant and the insurance company can smoothly carry out the insurance benefit application procedure and payment procedure without rework.

FIG. 6 is a diagram showing an example of the hardware configuration of the insurance benefit application system according to the embodiment. A computer 900 includes a CPU 901 , a main memory device 902 , an auxiliary memory device 903 , an input/output interface 904 and a communication interface 905 . Each of the above-described terminal device 10 , web application system 20 , terminal 23 , application support system 30 , and OCR system 40 is implemented in computer 900 . Each of the processes described above is stored in the auxiliary storage device 903 in the form of a program. The CPU 901 reads out the program from the auxiliary storage device 903, develops it in the main storage device 902, and executes the above processing according to the program. Also, the CPU 901 secures a storage area in the main storage device 902 according to the program. In addition, the CPU 901 secures a storage area for storing data being processed in the auxiliary storage device 903 according to the program.

It should be noted that, in at least one embodiment, secondary storage device 903 is an example of non-transitory tangible media. Other examples of non-transitory tangible media include magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, semiconductor memories, etc. that are connected via the input/output interface 904 . Further, when this program is distributed to the computer 900 via a communication line, the computer 900 receiving the distribution may develop the program in the main storage device 902 and execute the above process. Also, the program may be for realizing part of the functions described above. Furthermore, the program may be a so-called difference file (difference program) that implements the above-described functions in combination with another program already stored in the auxiliary storage device 903 .

In addition, it is possible to appropriately replace the components in the above-described embodiments with well-known components without departing from the scope of the present invention. Moreover, the technical scope of the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the scope of the present invention.

DESCRIPTION OF SYMBOLS 100... Insurance benefit application system, 10... Terminal device, 11... Camera, 12... Input part, 13... Display part, 14... Control part, 15... Communication part , 16... Storage unit 20... Web application system 21... Customer information DB 22... Application information DB 23... Terminal 30... Application support system 31... text information acquisition unit 32 image acquisition unit 33 output unit 34 communication unit 35 storage unit 36 application information confirmation unit 361 collation unit 362... Registration unit, 40... OCR system, 900... Computer, 901... CPU, 902... Main storage device, 903... Auxiliary storage device, 904... Input/output interface, 905... communication interface

Claims (6)

means for acquiring text information including application information necessary for applying for insurance benefits from a terminal device;
means for acquiring an image containing the application information from the terminal device;
means for comparing the text information with the information read from the image for a predetermined item in the application information;
means for transmitting information requesting confirmation to the terminal device of an item for which matching has failed among the items;
means for acquiring correction information transmitted from the terminal device in response to the confirmation request or confirmed information indicating that correction is unnecessary;
said matching against said modified information and sending information requesting said confirmation until only said confirmed information is sent in response to said request for confirmation or said matching is successful for all said items; means for controlling the repetition of
means for recording check result information including the result of the collation for each of all the items and whether or not the confirmed information has been obtained;
means for transmitting only the confirmed information in response to the request for confirmation, or for outputting the final application information and the check result information after the collation is successful for all the items; ,
application support system. Predetermined items in the application information include the type of certificate indicating the use of the medical institution, the name of the applicant for the benefits, the name of the medical institution, and the date of use of the medical institution. and the certificate is at least one of a receipt issued by the medical institution, a medical bill, and a discharge certificate,
The application support system according to claim 1. The means for collating acquires information on the name of the applicant from a customer information database of the insurance company that pays the benefits, and the acquired name and the name included in the text information The applicant's name and the name read from the image are matched against each other to determine whether they all match,
The application support system according to claim 2. a terminal device used by an applicant for insurance benefits to apply for said benefits;
an application system for accepting applications for the benefits;
An application support system according to any one of claims 1 to 3;
with
When the terminal device applies to the application system for payment of the benefit, the application system requests the terminal device to transmit the application information,
In response to the request, the terminal device transmits the application information to the application support system,
The application support system outputs the final application information and the check result information to the application system,
Benefit application system. a step of obtaining text information including application information necessary for applying for insurance benefits from a terminal device;
A step of acquiring an image containing the application information from the terminal device;
a step of comparing the text information with the information read from the image for a predetermined item of the application information;
a step of transmitting information requesting confirmation to the terminal device for items for which matching has failed among the items;
a step of acquiring correction information or confirmed information indicating that correction is not required transmitted from the terminal device in response to the confirmation request;
said matching against said modified information and sending information requesting said confirmation until only said confirmed information is sent in response to said request for confirmation or said matching is successful for all said items; a step of controlling to repeat
a step of recording check result information including the result of the collation and whether or not the confirmed information has been obtained for each of all the items;
a step of either transmitting only the confirmed information in response to the request for confirmation, or outputting the final application information and the check result information after the collation is successful for all the items; ,
Application support method with to the computer,
a step of obtaining text information including application information necessary for applying for insurance benefits from a terminal device;
A step of acquiring an image containing the application information from the terminal device;
a step of comparing the text information with the information read from the image for a predetermined item of the application information;
a step of transmitting information requesting confirmation to the terminal device for items for which matching has failed among the items;
a step of acquiring correction information or confirmed information indicating that correction is not required transmitted from the terminal device in response to the confirmation request;
said matching against said modified information and sending information requesting said confirmation until only said confirmed information is sent in response to said request for confirmation or said matching is successful for all said items; a step of controlling to repeat
a step of recording check result information including the result of the collation and whether or not the confirmed information has been obtained for each of all the items;
a step of either transmitting only the confirmed information in response to the request for confirmation, or outputting the final application information and the check result information after the collation is successful for all the items; ,
program to run.

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