JP7448965B2 - Application support system, benefit application system, application support method and program - Google Patents

Description

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

A mechanism is provided for insurance policyholders to apply for insurance benefits through online application. For example, an applicant enters the necessary information through a web application system provided by an insurance company and uploads an image of a proof document (for example, a receipt from a medical institution). The insurance company will check the application details entered through the web application system and, if there are no problems, will pay benefits. As a related technology, Patent Document 1 describes a step of obtaining image data including information on a bill including attached documents from an insurance policyholder, a step of converting the image data into character data, and a step of converting the converted character data. Disclosed is a method for assessing billing information, comprising: displaying the information on a display device for content assessment.

Japanese Patent Application Publication No. 2004-94520

When applying for benefits using the web application system, the following mistakes are likely to occur. (1) Mistakes in entering required information such as the name of the medical institution, (2) Mistakes in taking photos of certificates such as receipts and medical certificates (wrong certificates themselves, taking photos of documents other than those of the applicant, etc.) . If you apply online with such a mistake, the mistake will be discovered during an audit of your application, and you will have to go through the application process again at a later date. This is a hassle for both the applicant and the auditor.

Therefore, 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 above problems.

According to one aspect of the present invention, the application support system includes means for acquiring text information including application information necessary for applying for insurance benefits from a terminal device, and acquiring an image including the application information from the terminal device. means for comparing the text information with the information read from the image for predetermined items of the application information; and requesting the terminal device to confirm for items for which the comparison fails among the items. means for transmitting information to be corrected, means for obtaining corrected information transmitted from the terminal device in response to the confirmation request or confirmed information indicating that no correction is necessary, and only the confirmed information in response to the confirmation request; means for controlling to repeat the verification against the modification information and the transmission of the information requesting confirmation until the verification is successfully transmitted or the verification is successful for all the items; and means for recording check result information including the results of the verification and whether or not the verified information has been obtained for each of the verification requests; and means for outputting the final application information and the check result information after the item has been successfully verified.

According to one aspect of the present invention, a benefit application system includes a terminal device used by an insurance benefit applicant to apply for the benefit, an application system that receives the benefit application, and the above application support system. When the terminal device applies for payment of the benefit 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, there is provided an application support method executed by a computer, which includes the steps of: acquiring text information including application information necessary for applying for insurance benefits from a terminal device; a step of acquiring an image including the application information from the terminal device; a step of collating the text information with information read from the image for predetermined items of the application information; a step of transmitting information requesting confirmation to the terminal device for the failed item; a step of acquiring correction information or confirmed information indicating that no correction is necessary transmitted from the terminal device in response to the confirmation request; the verification against the modified information and the transmission of the information requesting verification until only the verified information is sent in response to the verification request, or until the verification is successful for all the items; a step of recording check result information including the results of the collation for each of all the items and whether or not the confirmed information has been obtained; The method includes a step of transmitting only the information or outputting the final application information and the check result information after the verification is successful for all the items.

According to one aspect of the present invention, the program includes the steps of causing a computer to acquire text information including application information necessary for applying for insurance benefits from a terminal device, and acquiring 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 the terminal device to confirm the item for which the comparison fails among the items. a step of transmitting information to be corrected, a step of obtaining corrected information sent from the terminal device in response to the confirmation request or confirmed information indicating that no correction is necessary; and a step of obtaining only the confirmed information in response to the confirmation request. or until the verification is successful for all the items, repeating the verification against the modified information and the transmission of the information requesting confirmation, and repeating the verification for all the items; recording check result information including the result of the verification and whether or not the verified information has been obtained for each of the verification requests; and whether only the verified information is sent in response to the verification request, or A step of outputting the final application information after the successful verification of the items and the check result information is executed.

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

FIG. 1 is a block diagram illustrating an example of an insurance benefit application system according to an embodiment. FIG. 2 is a first diagram illustrating an example of insurance benefit application processing according to the embodiment. FIG. 2 is a second diagram illustrating an example of insurance benefit application processing according to the embodiment. FIG. 3 is a diagram illustrating application information determination processing according to the embodiment. It is a figure explaining the confirmation process of an applicant regarding the determination result based on embodiment. It is a figure showing an example of the result of the application procedure concerning an embodiment. 1 is a diagram illustrating an example of a hardware configuration of an insurance benefit application system according to 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.
(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, and 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 each communicably connected via a network. .

The terminal device 10 is a terminal device such as a smartphone or a PC (personal computer) that has a photographing means. The terminal device 10 includes a camera 11, an input section 12 configured using input devices such as a keyboard, a mouse, a touch panel, and buttons, a display section 13 configured using a display device such as a liquid crystal display, and a terminal device. 10, a communication unit 15 configured using a communication module and configured to communicate with other devices, and a storage device such as an HDD (hard disk drive) or flash memory, The storage unit 16 includes 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 realizes 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 receives an application. It has a function of generating an input screen for inputting information (referred to as application information) necessary for 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. That is, the Web application system 20 receives 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 general insurance benefit web application systems in that it has a configuration in which application information input by the applicant 50 is received via the application support system 30. Further, the web application system 20 receives the application information input by the applicant 50 as well as 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 applies hereinafter) 21 and an application information DB 22. In the customer information DB 21, the name, address, contact information, bank account information of the applicant 50, date information of various certificates submitted in the past, etc. are registered. In the application information DB 22, application information checked by the application support system 30 is registered for each customer. Note that in order for insurance benefits to be paid, it is not sufficient to check the application information by the application support system 30, and a final audit by the auditor 60 is required. The auditor 60 uses the terminal 23 to access the customer information DB 21 and the application information DB 22, confirms the application details of the applicant 50, and determines whether insurance benefits can be paid. If it is determined that payment is possible, the insurance benefit is paid to the applicant 50.

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 of the application information. For example, the text information acquisition unit 31 may acquire the applicant's 50's name, address, bank account information, e-mail address, hospitalization history, number of surgeries, name of disease, date of treatment (for example, date of first visit), date of hospitalization, name of medical institution, doctor. Get information such as name. These are information input from the application information input 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 necessary 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, which will be explained next, from the input screen.

The image acquisition unit 32 acquires an image of the application information. The images are images of various certificates required for applying for insurance benefits. The certificate includes a receipt from a medical institution, a medical statement, and if the applicant 50 is hospitalized, a discharge certificate in addition to the receipt and medical statement.
The output unit 33 outputs information prompting correction of the application information to the terminal device 10 if there is an error as a result of checking the application information, outputs the application information after the check to the web application system 20, and outputs the application information after the check to the web application system 20. 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 unit 31 and the image acquisition unit 32 acquire application information from the terminal device 10 via the communication unit 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 a 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 any deficiencies are found, requests the applicant 50 to correct the application information, and finalizes the application information to be provided to the insurance company. The application information confirmation section 36 includes a verification section 361 and a registration section 362.
The collation unit 361 checks (A) information indicating the type of certificate (certificate title) added to the image of the certificate, (B) name of applicant 50 input from the input screen, and (C) medical institution. The contents of the name and (D) date are compared with the contents of (A) to (D) included in the image of the certificate to determine whether the input text information and the photographed image are appropriate. Note that the contents (A) to (D) included in the image of the certificate 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 confirmed application information and the check results to the Web application system 20.

The OCR system 40 receives the certificate image from the application support system 30, reads the items (A) to (D) above from the certificate image using OCR, and sends the text information resulting from the reading to the application support system 30. Send to. There are no particular limitations on the method for reading the necessary information from the image of the certificate. For example, items (A) to (D) may be read by recognizing where in the image the medical institution name or certificate title is printed based on pattern recognition or a certificate layout template. , text information may be extracted by deep learning, etc. (AI-OCR).

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

(motion)
Next, the operation of the insurance benefit application system 100 will be explained with reference to FIGS. 2A to 5.
FIGS. 2A and 2B are a first diagram and a second diagram, respectively, showing an example of the insurance benefit application process 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-only site of the Web application system 20, enters account information, logs in, and performs an operation to request the start of an 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). The input screen generated by the web application system 20 is displayed on the display unit 13. For example, the input screen is composed of multiple pages, and the first page displays the conditions for receiving insurance benefits, and if the applicant 50 meets the conditions, the applicant 50 enters application information on the next page and thereafter. It is configured so that it can be done. For example, on the next page, input the presence or absence of hospitalization, number of days of hospitalization, presence or absence of surgery, name of disease, date of first consultation, period of hospitalization, date of surgery, and name of surgery, and then enter the name, address, and address of applicant 50. It is configured to input postal code, telephone number, doctor's name, bank account information, email address, etc. For some information such as name, address, and bank account information, the web application system 20 reads the information associated with the account information at the time of login from the customer information DB 21, and inputs 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 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 inputs text information such as name, postal code, address, and doctor's name. In addition, on another page, the applicant 50 inputs information such as the name of the medical institution, the date of the first consultation, the length of hospitalization, the name of the disease, and the name of the surgery. The input text information is stored in the storage unit 16 in association with each item.

Next, the applicant 50 uses the terminal device 10 to photograph the certificate (step S4). When text information is input on the input screen 200a or the like, the display unit 13 displays an input screen 200b (FIG. 3) that prompts the user to take an image of a receipt, medical statement, or discharge certificate. For example, the input screen 200b is provided with buttons such as "Photograph Receipt," "Photograph Medical Statement," and "Photograph Discharge Certificate." When these buttons are pressed by 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. Information such as (A) the title of the certificate, (B) the applicant's name, (C) the name of the medical institution, and (D) the date are printed on the receipt 17. The image taken of the receipt 17 is saved in the storage unit 16 with attribute information of "receipt" indicating that the image was taken as a receipt. 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 statement 18. The image taken of the medical statement 18 is saved in the storage unit 16 with attribute information of "medical statement" indicating that the image was taken as a medical statement. Furthermore, if the applicant 50 has been hospitalized, the applicant 50 presses the "Photograph Discharge Certificate" button to photograph the discharge certificate 19 issued by the medical institution. Attribute information of "discharge certificate" is attached to the photographed image and stored in the storage unit 16. These captured images are images included in the application information. Further, attribute information such as "receipt" is text information of the application information.

In addition, if you click "What is a receipt" on the input screen 200b, an explanation of the receipt and a sample image of the receipt will be displayed, and if you click "What is a medical statement", an explanation of the medical statement and the medical details will be displayed. A sample image of the book will be displayed. The applicant 50 can search for a receipt or medical statement among the numerous documents issued by the medical institution while checking sample images and the like.

After the image is photographed, 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 , acquires an image of the application information and stores it in the storage unit 35. Next, the application information confirmation unit 36 reads out the image of the certificate (receipt and medical statement, or receipt, medical statement, and discharge certificate) stored in the storage unit 35 and sends it via the communication unit 34. The image 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 the necessary information ((A) to (D) above) from each of the images of the receipt 17, the medical statement 18, and the discharge certificate 19 (only at the time of hospitalization). )) is extracted by OCR (step S7). For example, the OCR system 40 performs text recognition using pattern recognition, AI-OCR, etc., and extracts necessary items. Extraction results 201b and 202b in FIG. 3 show examples of information extracted by OCR. The OCR system 40 transmits the information (A) to (D) extracted from each image to the application support system 30 for each certification document (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 customer information linked to the account information of the applicant 50 (step S9). Specifically, the application information confirmation unit 36 requests the customer's name linked to the account information and date information of various certificates submitted in the past. The Web application system 20 reads the customer's name and certificate date information corresponding to the account information from the customer information DB 21, and transmits the customer's name to the application support system 30 (step S10). The application information confirmation unit 36 receives the name and certificate date information linked to 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 (verification unit 361) checks the application information (step S11).
(A) Certificate Title The collation unit 361 collates the title of the certificate extracted from the image by OCR and the attribute information of the image to check whether the two match. For example, the matching unit 361 matches the title of the certificate extracted from the image of the receipt 17 with the attribute information "receipt" attached to the image of the receipt 17. In the extraction result 201b of FIG. 3, the text information of "receipt" is extracted as a result of OCR extraction, so the matching unit 361 compares the attribute information "receipt" recorded in the storage unit 35 with the extracted text information. It is compared with "receipt" to confirm that they match, and it is determined that the certificate title regarding receipt 17 is correct. The matching unit 361 similarly matches the attribute information with the title extracted by OCR for the images of the medical statement 18 and the discharge certificate 19 (only at the time of hospitalization). Note that some medical institutions may issue documents with titles such as "bill,""receipt," or "receipt" printed on them instead of receipts. In order to support such certificates, for example, dictionary data in which similar words of receipt are registered is registered in the storage unit 35, and the matching unit 361 matches the title read from the image with the dictionary data. If the title is registered as a synonym, the title is determined to be a match. 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 "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 and reversely looks up “receipt” from “receipt”, and extracts the attribute information “receipt”. Compare with "Receipt". This allows accurate verification regardless of spelling errors in the certificate title. The matching unit 361 determines whether the title extracted from each image is correct, and further determines whether the necessary documents are available. For example, if 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. In this case, if the titles of "receipt", "medical certificate", and "discharge certificate" are correct, it is determined that the necessary documents are complete.

(B) Applicant's name The matching unit 361 compares each of the names of the applicant 50 extracted by OCR from each image, the name entered on the input screen 200a, and the name obtained from the web application system 20 (customer information (name linked to account information registered in DB21). For example, the matching unit 361 uses the name acquired from the web application system 20 as the correct name, the name entered on the input screen 200a, the name extracted by OCR from the image of the receipt 17, and the image of the medical statement 18. The name extracted by OCR from the image of the discharge certificate 19 in the case of hospitalization is compared with the name extracted by OCR from the image of the discharge certificate 19. 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 the correspondence between new characters and old characters is registered. If all of these match, the verification 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 collation unit 361 determines that the name in the application information is incorrect and identifies the source of the information that is different 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 Dairo" and all other names 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 that there is. The fact that the OCR extraction result is "Nippon Taro" is due to an OCR recognition error, and there is a possibility that "Nippon Taro" is correctly written on the receipt 17. Therefore, the identified information source (receipt 17) is subject to confirmation, and the application support system 30 requests confirmation of the name from the applicant 50 in a later step.

(C) Medical institution name The matching unit 361 matches each of the medical institution names extracted by OCR from each image 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 the correspondence between new characters and old characters is 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 publicly announced name of the medical institution. 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, and the collation unit 361 identifies medical institution names based on this dictionary data. Verification may be performed taking into account spelling errors in names. If all the medical institution names included in the application information match, the collation unit 361 determines that the information on the applied medical institution name is correct. If any one of them is different, the collation unit 361 determines that the medical institution name in the application information is incorrect, and specifies a different information source. 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 entered on the input screen 200a is "○○ General Hospital", then the verification The unit 361 specifies that the different information source is the medical institution name input on the input screen 200a. In addition, if the medical institution names obtained from three information sources are all different, the collation unit 361 selects the three information sources (the image of the receipt 17, the image of the medical statement 18, and the input screen 200a) as different information sources. (entered medical institution name). Even if it is determined that the collation result of the medical institution name is incorrect, this may be due to erroneous recognition by OCR or the medical institution name used by the medical institution. Therefore, the identified information source becomes a confirmation target, and the application support system 30 requests the applicant 50 to confirm the medical institution name in a later step.

(D) Date The collation unit 361 collates each date extracted from each image with the medical treatment date (first visit date) and hospitalization date (hospitalization period) input on the input screen 200a. (D-1) The collation unit 361 uses the OCR extracted date from the images of the receipt 17, medical statement 18, and discharge certificate 19 (only at the time of hospitalization), the medical treatment date input on the input screen 200a, and the hospitalization date. It is determined whether or not there is a deviation greater than a predetermined threshold between the two. If there is a discrepancy greater than the threshold, the collation unit 361 determines that the date included in the application information is incorrect. The matching unit 361 identifies an information source that includes a date that deviates from other dates by more than a threshold value. (D-2) Furthermore, the collation unit 361 compares each date included in the application information with the current date to determine whether the application period for insurance benefits has passed. If the deadline has passed, the verification unit 361 determines that the date included in the application information is incorrect, and identifies the information source that includes the date on which the deadline has passed. Note that information such as the threshold used to determine the date of (D-1) and the application period of (D-2) is set in advance and registered in the storage unit 35. (D-3) In addition, the verification unit 361 compares each date included in the application information with the date information of the previously submitted certificate obtained in step S10, and if the two match, the verification unit 361 The date given is determined to be incorrect. At this time, the matching unit 361 may, for example, compare only the date extracted by OCR from the image of the receipt 17 and the date information of the receipt 17 submitted in the past, or may compare only the date information of the receipt 17 submitted in the past. In addition to date information 17, date information on medical treatment details 18 and discharge certificate 19 may be compared. The verification unit 361 identifies an information source that matches the date of a certificate submitted in the past.

The matching unit 361 determines that all date differences for (D-1) fall within the threshold, for (D-2) the application period for insurance benefits has not passed, and for (D-3) in the past. If the date information does not match the submitted certificate, the date included in the application information is determined to be correct. Even if it is determined that the date verification result is incorrect, this 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 confirmation regarding the date from the applicant 50 in a later step. When the verification unit 361 completes the checks (A) to (D), the registration unit 362 registers the results 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 will print “(A)〇, (B)〇, (C)〇, (D) Information such as “x” is registered in the storage unit 35.

When the verification unit 361 completes checking the application information for (A) to (D), the application information confirmation unit 36 determines whether the application contents are appropriate (step S12). If the verification unit 361 determines that all of (A) to (D) are correct (including the determination that the certificates are complete for (A)), the application information confirmation unit 36 determines that the application contents are correct. If not, it is determined that the application content is appropriate. If it is determined that the application content is appropriate (step S12; Yes), the process advances 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 compares the identified 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 verification. A confirmation screen displayed so as to be comparable is generated, and the generated confirmation screen is transmitted to the terminal device 10. In the terminal device 10, the communication unit 15 receives the confirmation screen, and the control unit 14 displays the confirmation screen on the display unit 13. An example of the confirmation screen is shown in FIG. 4. In the check result display field 301a of the confirmation screen 300a in FIG. 4, a list of determination results for each of (A) to (D) is displayed. For example, if the determination result in (A) is incorrect, information such as "(1) The medical institution name entered from the application form and the medical institution name on the receipt do not match" is displayed. When the applicant 50 presses the "confirm" button, a confirmation screen 300b is displayed that displays detailed contents for each of the displayed determination results. Details about the first check result (1) are displayed in the details display field 301b of the confirmation screen 300b. In the illustrated example, the medical institution name "○○ General Hospital" input on the input screen 200a is displayed in the area 301c, the image of the receipt 17 is displayed in the area 301d, and the text information "○○ General Hospital" is displayed in the area 301c. ” and the OCR-extracted “XX Hospital” are different, a confirmation screen 300b is described.

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. An image of the medical statement 18 may also be displayed in the details display field 301b. The applicant 50 checks the contents displayed in the details display field 301b, confirms whether the receipt 17 that he/she photographed is appropriate, and whether the medical institution name that he/she entered is appropriate, and if there is an error, Correct it (step S14). For example, if the entered medical institution name is not appropriate, the applicant 50 presses the "Modify input information" button. When the "Modify 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 inputting the medical institution name, and Send to device 10. A correction screen is displayed on the display unit 13, and the applicant 50 inputs the appropriate medical institution name on the screen. The input 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 35.

Similarly, if the photographed receipt 17 is not appropriate, the applicant 50 presses the "Retake Image" button. When the user presses the "Retake image" button, 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. The 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.

In addition, if there is no error in either the "XX general hospital" entered by the applicant 50 or the "XX hospital" written on the receipt 17, the applicant 50 can click the "Confirmed (no problem)" button. Press down. 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 section 36 sends a "confirmed" button via the communication section 34. Receive information about. Upon receiving the “confirmed” information, the application information confirmation unit 36 determines that confirmation of check item (A) has been completed. The registration unit 362 associates the fact that check item (A) was determined to be incorrect by the verification unit 361, but the applicant 50 determined that the content is correct, with the account information of the applicant 50. It is registered in the storage unit 35. For example, the registration unit 362 registers information such as “verification (A) x, applicant (A) 〇” in the storage unit 35.

When the applicant 50 presses any of the buttons "Correct input information", "Retake image", or "Confirmed (no problem)" to modify or confirm the application information, the details display field 301b will be displayed. displays detailed information about the next check result. For example, in FIG. 4, the confirmation screen 300b for (C) medical institution name is illustrated, but if the next check result is (B) applicant's name, a message such as "Please confirm that the patient name is correct" will be displayed. The input text information of the name of the applicant 50, an image of the receipt 17, etc., the name registered in the customer information DB 21, etc. may be displayed side by side to prompt the applicant 50 to make corrections or confirmations. In addition, in the case of (A) the title of the certificate, please display the image of the certificate and the attribute information of that image so that it can be compared, along with a message such as ``Please confirm that the required document items and the photographed image are correct.'' The user 50 may be requested to make corrections and confirmations. Furthermore, if the necessary certificates are not available, a display indicating the missing certificates may be displayed. In addition, in the case of (D) date, it is possible to compare the image of the certificate and the input medical date (text information) along with a message such as "Please check whether the entered medical date or photographed certificate information is correct." may be displayed to prompt the applicant 50 to make corrections and confirmations. Furthermore, if the application period has passed, a message such as "The application period has passed" is displayed. In addition, if the OCR system 40 outputs an error indicating that text information cannot be extracted and verification was not possible in the first place, the image may be out of focus or the shooting range may be incorrect (necessary information is not captured). Because of this possibility, a message such as "The photographed certificate image cannot be recognized, so please take the photograph again" may be displayed in the details display field 301b to prompt re-photographing. The applicant 50 corrects or confirms the application information based on these check results. The applicant 50 repeats the same operation for all items determined to be incorrect by the collation unit 361.

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

If the confirmation results include something that is not "confirmed" (step S16; No), that is, if some application information has been modified, the verification unit 361 repeatedly checks the application information. For example, if the image is retaken, the application information confirmation unit 36 re-executes the processes from step S6 onwards. For example, when the text information is modified, the application information confirmation unit 36 re-executes the processing from step S11 onwards.

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 ) finalizes the application information and registers the check results (step S17). For example, the registration unit 362 selects application information (text information and images 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 confirm these as the final application information. The registration unit 362 organizes the final judgment results by the collation unit 361 and the final confirmation results by the applicant 50 for each item (A) to (D). FIG. 5 shows an example of the organized judgment results and confirmation results. In the table of FIG. 5, (A) the certificate title was determined to be incorrect by the verification unit 361, but was determined to be "confirmed" by the applicant 50, and other (B) applicant's name, ( C) Medical institution name and (D) date are determined to be correct by the collation unit 361.

The application information confirmation unit 36 transmits the confirmed application information and the organized 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 auditor 60 accesses the application information DB 22 using the terminal 23, conducts an audit based on the application information and the check results (step S19), and considers payment of insurance benefits to the applicant 50. Since the content is checked by the application support system 30 and the examination is performed based on the application information corrected by the applicant 50 as necessary, the auditor 60 can audit the application information efficiently. Furthermore, by referring to the check results (FIG. 5), the auditor 60 can confirm that even if the application information appears to be incorrect at first glance, the content has been confirmed as correct by the applicant 50. After understanding, it can be audited. Thereby, it is possible to prevent the applicant 50 from being excessively requested to reconfirm the application information. The auditor 60 notifies the applicant 50 of the results 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, which includes information such as whether insurance benefits can be paid or not.

(effect)
As explained above, according to this embodiment, information (medical institution name, name of applicant 50, etc.) included in the image of the medical institution's certificate (receipt 17, etc.) is extracted, and the information and the application procedure are The appropriateness of the application information is automatically determined by comparing the text information input at the time of application and personal information registered in the insurance company's customer information DB 21. Further, information determined to be incorrect as a result of the automatic determination can be updated to correct application information by requesting the applicant 50 to re-enter, re-take an image, etc. Furthermore, if the automatic determination is incorrect, the applicant 50 can notify the system that the automatic determination is incorrect and that there is no error in the application information. By recording the automatic determination results and the confirmation results by the applicant 50 (Figure 5), it is possible to understand how the application information was finally finalized, and the application information can be useful for audits. As a result, according to the insurance benefit application system 100 of this embodiment, both the applicant and the insurance company can smoothly carry out insurance benefit application procedures and benefit procedures without rework.

FIG. 6 is a diagram illustrating an example of the hardware configuration of the insurance benefit application system according to the embodiment. The computer 900 includes a CPU 901, a main storage device 902, an auxiliary storage device 903, an input/output interface 904, and a communication interface 905. Each of the above-mentioned terminal device 10, Web application system 20, terminal 23, application support system 30, and OCR system 40 is installed in a computer 900. Each of the above-described processes is stored in the auxiliary storage device 903 in the form of a program. The CPU 901 reads the program from the auxiliary storage device 903, expands it to the main storage device 902, and executes the above processing according to the program. Further, the CPU 901 reserves a storage area in the main storage device 902 according to the program. Further, the CPU 901 secures a storage area in the auxiliary storage device 903 to store the data being processed according to the program.

Note that in at least one embodiment, auxiliary storage device 903 is an example of a non-transitory tangible medium. Other examples of non-transitory tangible media include magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, semiconductor memories, etc. connected via the input/output interface 904. Further, when this program is distributed to the computer 900 via a communication line, the computer 900 that received the distribution may develop the program in the main storage device 902 and execute the above processing. Moreover, the program may be for realizing part of the functions described above. Further, the program may be a so-called difference file (difference program) that realizes the above-described functions in combination with other programs 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 spirit of the present invention. Further, the technical scope of the present invention is not limited to the above-described embodiments, and various changes can be made without departing from the spirit of the present invention.

100... Insurance benefit application system, 10... Terminal device, 11... Camera, 12... Input section, 13... Display section, 14... Control section, 15... Communication section , 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 including the application information from the terminal device;
means for comparing the text information with information read from the image for a predetermined item of the application information;
means for transmitting information requesting confirmation to the terminal device regarding the item for which verification has failed among the items;
means for acquiring modification information or confirmed information indicating that modification is not required, transmitted from the terminal device in response to the confirmation request;
the verification against the modified information and the transmission of the information requesting verification until only the verified information is sent in response to the verification request, or until the verification is successful for all the items; means for controlling the repetition of
means for recording check result information including the results of the collation for each of all the items and whether or not the confirmed information has been acquired;
means for transmitting only the confirmed information in response to the confirmation request, or outputting the final application information and the check result information after the verification has been successful for all the items; ,
An application support system equipped with Predetermined items of the application information include the type of certificate showing that the medical institution was used, the name of the applicant for the benefit, the name of the medical institution, and the date on which the medical institution was used. and the certificate is at least one of a receipt, medical statement, and discharge certificate issued by the medical institution.
The application support system according to claim 1. The checking means acquires information on the applicant's name from a customer information database of the insurance company that pays the benefit, and matches the acquired name with the above-mentioned name included in the text information. comparing the applicant's name and the name read from the image 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 the benefits;
an application system that accepts applications for the benefit;
The application support system according to any one of claims 1 to 3,
Equipped with
When the terminal device applies for payment of the benefit to the application system, 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, and the application support system outputs the final application information and the check result information to the application system.
Benefit application system. An application support method performed by a computer, the method comprising:
obtaining text information including application information necessary for applying for insurance benefits from the terminal device;
acquiring an image including the application information from the terminal device;
a step of comparing the text information with 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 the item for which verification has failed among the items;
acquiring modification information or confirmed information indicating that modification is not required, transmitted from the terminal device in response to the confirmation request;
the verification against the modified information and the transmission of the information requesting verification until only the verified information is sent in response to the verification request, or until the verification is successful for all the items; a step of controlling to repeat;
recording check result information including the results of the verification for each of all the items and whether or not the confirmed information has been obtained;
a step of transmitting only the confirmed information in response to the confirmation request, or outputting the final application information and the check result information after the verification is successful for all the items; ,
An application support method with to the computer,
obtaining text information including application information necessary for applying for insurance benefits from the terminal device;
acquiring an image including the application information from the terminal device;
a step of comparing the text information with 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 the item for which verification has failed among the items;
acquiring modification information or confirmed information indicating that modification is not required, transmitted from the terminal device in response to the confirmation request;
the verification against the modified information and the transmission of the information requesting verification until only the verified information is sent in response to the verification request, or until the verification is successful for all the items; a step of controlling to repeat;
recording check result information including the results of the verification for each of all the items and whether or not the confirmed information has been obtained;
a step of transmitting only the confirmed information in response to the confirmation request, or outputting the final application information and the check result information after the verification is successful for all the items; ,
A program to run.

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