KR101088895B1 - car insurance integration processing system and method thereof - Google Patents

Abstract

The present invention relates to a vehicle insurance integrated processing system and method thereof.

According to the present invention, a system for performing insurance processing for an accident vehicle through a network acquires accident reception information for a predetermined accident vehicle, and based on the accident reception information in response to a request from a device of a maintenance company connected through a network. Create a repair estimate for the accident vehicle. Then, the payment guarantee processing for the repair cost estimate is performed, and the payment guarantee processing result is provided to the maintenance service provider device so that the maintenance service provider repairs the accident vehicle.

Vehicle, integrated insurance processing, repair estimate

Description

Car insurance integration processing system and method

The present invention relates to a vehicle insurance integrated processing system and method, and more particularly, to a system and method for performing insurance processing of a vehicle through a network.

Recently, with the rapid increase of the Internet, various information is provided through the same media as the Internet. In particular, various information related to the vehicle for the sale and sale of vehicles and various information for the convenience of vehicle management are provided. Systems to provide the service are increasing. For example, when a vehicle number is input, a service such as providing a change of owner and accident history information for the vehicle is provided.

However, such a service only provides information on a predetermined vehicle, and does not provide a service such as providing insurance treatment in case an accident occurs on the vehicle.

In particular, if the vehicle is damaged and repair is required, the organic treatment between the service provider, the insurance company, the parts distributor, and the insured should be promptly performed, so that the repair and insurance processing of the vehicle will be made faster.

However, it is not easy for a service provider to prepare a repair cost estimate for a vehicle, etc., and in particular, there is a problem of not knowing the details of parts required for repair, and thus an accurate repair cost estimate cannot be made. As a result, there is a problem that the repair of the vehicle is delayed because the insurance is not processed.

SUMMARY OF THE INVENTION The present invention provides a system and method for performing an organic integrated process between a maintenance company, an insurance company, a parts distributor, and an insurance subscriber through a network when a vehicle is damaged and repair is required. will be.

In addition, the technical problem to be achieved by the present invention is to enable the service provider to easily prepare a repair cost estimate for the vehicle.

In order to achieve the above technical problem, the vehicle insurance integrated processing method according to a feature of the present invention is a vehicle insurance integrated processing method of a system that performs insurance processing for an accident vehicle through a network, the system for a predetermined accident vehicle Obtaining accident reception information; Generating a repair cost estimate for the accident vehicle based on the accident reception information, in response to a request from a service provider's device connected through the network by the system; The system performing payment guarantee processing on the repair cost estimate; And providing, by the system, a payment guarantee processing result to the service provider's device so that the service provider repairs the accident vehicle.

In addition, the repair cost estimate creation method according to another aspect of the present invention is a method for creating a repair cost estimate of a system that performs insurance processing for the accident vehicle through a network, the system of the maintenance operator performing maintenance for the accident vehicle Receiving a collision direction and a degree of damage to the accident vehicle from a device; Determining, by the system, repair work items based on the provided collision direction and the degree of damage; The system calculating labor costs for repair work items; The system generating a part history for repair work items; And generating, by the system, a repair cost estimate based on vehicle information on the accident vehicle, the repair work items, the labors, and the parts details.

In addition, the vehicle insurance integrated processing system according to another aspect of the present invention is a vehicle insurance integrated processing system that performs insurance processing for the accident vehicle through a network, the first database that stores the basic information for insurance processing for the accident vehicle server; A second database server storing information for estimating repair costs for the accident vehicle; And a processing server that performs insurance processing including repair cost estimation for the accident vehicle based on the information stored in the first and second database servers. The processing server may include an accident reception unit that receives insurance processing for the accident vehicle; Estimation processing unit for creating and processing the repair cost estimate for the accident vehicle; And a guarantee processing unit that performs a payment guarantee for the repair cost estimate.

According to an embodiment of the present invention, during the insurance process for the accident vehicle, the relevant subjects (insurance subscribers or compensation-related companies) can be used to quickly confirm the accident information on the accident vehicle to perform the corresponding task.

In addition, relevant actors can immediately determine whether a repair cost estimate has been determined and whether insurance claims have been paid.

It is also easy to prepare a repair estimate for the accident vehicle. As a result, the insurance process for the accident vehicle is promptly performed, so that the repair and payment of the vehicle can be made quickly and accurately.

In addition, even a maintenance service provider who is not knowledgeable in making a quotation can estimate the repair work item for the accident vehicle through the repair cost estimation process as described above.

In addition, as information is easily exchanged between insurance companies, maintenance companies, parts companies, and car rental companies, insurance processing for the accident vehicle is smoothly and quickly performed.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. Also, the term "part" or the like, as described in the specification, means a unit for processing at least one function or operation, and may be implemented by hardware, software, or a combination of hardware and software.

Hereinafter, in the exemplary embodiment of the present invention, a vehicle requiring repair is referred to as an "accident vehicle" for convenience of explanation, and companies that receive a cost from an insurance company for repairing an accident vehicle are referred to as "compensation related companies". Here, compensation companies may include maintenance companies, parts distributors (hereinafter referred to as parts companies), rental car companies, and the like. In addition, the insurer calls the "compensation person" who performs the handling of the accident vehicle. In addition, in the embodiment of the present invention, the user represents a person who accesses the vehicle insurance integrated processing system and provides a service. For example, the user may be one of an insurance subscriber, a compensation officer, and an associate of a compensation company.

Now, a vehicle insurance integrated processing system and method thereof according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

The concept of vehicle insurance processing through a network according to an embodiment of the present invention is schematically illustrated in FIG. 1, and the network connection state of the vehicle insurance integrated processing system based on this is illustrated in FIG. 2.

In an embodiment of the present invention, as shown in the accompanying FIG. 1, insurance information (contract, acceptance, processing, termination, etc.) for a predetermined vehicle from a compensation related company (maintenance factory, parts company, rental car company, etc.) through a network If you look up, calculate the repair cost estimate of the vehicle and claim the repair cost insurance claims to the insurer, the compensation person in charge of the insurance checks and determines the claim amount from the compensation company performs the process of paying the benefits. All these processes are done quickly and accurately as described below through the vehicle insurance integrated processing system.

To this end, as shown in the accompanying FIG. 2, the vehicle insurance integrated processing system 1 according to an embodiment of the present invention is provided through a network (including all networks of various forms such as a telephone network, the Internet, and a wireless communication network). It is connected to the insured terminal 3 and also has a compensation company, i.e., a service provider's device (referred to below for convenience of description, a maintenance company device), a parts company device (5), and a car rental company device (6). ) And so on. In addition, it is also connected to the insurance company's compensation manager terminal 7 and the insurance company system (8).

In the embodiment of the present invention, the insurance subscriber terminal 3, the compensation officer terminal 7 and the devices related to the compensation company (4 to 6), the vehicle insurance integrated processing system 1 through the network (2) Are communication devices capable of accessing information. For example, various communication devices such as a wired telephone, a mobile communication terminal, a computer, and a TV with Internet access may be used. Therefore, users can access the vehicle insurance integrated processing system 1 conveniently and quickly by using PC communication, the Internet, wireless Internet, telephone network, and the like. Meanwhile, the person in charge of compensation may directly access the vehicle insurance integrated processing system 1 according to the embodiment of the present invention or access the vehicle insurance integrated processing system 1 through the insurance company system 8 to receive services and various information. Can be. It is of course also possible for other users to access the vehicle insurance integrated processing system 1 in this manner as well.

In Fig. 3, the insurance subscriber and compensation officer terminal 3 and the device 4-6 of the compensation company are connected via a network 2 to provide insurance processing services for the vehicle to users. The specific structure of the integrated vehicle insurance processing system according to the example is shown.

As shown in FIG. 3, the vehicle insurance integrated processing system 1 according to an embodiment of the present invention includes a first database server 11 and an accident vehicle in which basic information for insurance processing for an accident vehicle is stored. A processing server that performs insurance processing including an estimate of repair costs for an accident vehicle based on the information stored in the second database server 12 and the first and second database servers 11 and 12 in which information for repair cost estimation for the repaired vehicle ( 13). In addition, an interface server such as a web server for connecting and exchanging information through the network 2 may be further included.

The specific structure of each server is as follows.

The first database server 11 includes an insurance filing database 111 and an accident filing database 112, and also includes a user database 113.

The accident reception database 111 stores accident reception information on an accident vehicle. The accident reception information includes, for example, the vehicle number, vehicle name, insured name, insured vehicle number, and insured vehicle name for the injured vehicle by insurance receipt number.In addition, the accident date, damage classification, accident classification, and vehicle value , Collateral, compensation officers and contacts (contacts of insureds, insureds, etc.). In addition, the vehicle may further include information such as insurance type, contract number, period and term of the original insurance period, payment reserve, and payment insurance premium for the vehicle. In addition, information such as a photograph or a video of the accident vehicle may be additionally stored.

The insurance receipt database 112 stores insurance receipt information corresponding to insurance contract data for each vehicle subscribed to each insurance company. For example, the insurance type, vehicle number, insured name, resident's number, endorsement (change endorsement, and replacement substitution endorsement), model year, vehicle model, option, vehicle name code, and vehicle number in response to the contract number for each insurance company. The information on insurance contracts is stored, including the type of use, type of vehicle, capacity, period and term of the original insurance, whether or not it is covered by the security, and the date of the insurance contract.

The user database 113 stores information on users who can access a vehicle insurance integrated processing system according to an embodiment of the present invention and receive related services and various information. In an embodiment of the present invention, all users are given an individual ID, and all the user information and data provided by the integrated vehicle insurance processing system can be inquired, and data can be transmitted to each other online through the IDs given between users. In addition, in an embodiment of the present invention, the user database 113 grants and manages users by distinguishing IDs according to insurance subscribers, compensation officers, and compensation companies, thereby providing different services and information for each user. . In this case, compensation-related companies may be given IDs having different characteristics according to their characteristics, and accordingly, service providers, parts-related users, rental car companies, etc. may receive different information and services.

Based on the information stored in the first database server 11, the user through the insurance application information inquiry process, the received information of the accident vehicle (insurance receipt number, collateral, contact person, contact date, accident date, vehicle value, etc.), repair car information ( Vehicle number, vehicle name, model year, vehicle model, option, etc.), and the insured information (insured name, vehicle number, vehicle name) and the like.

The second database server 12 in which various information for repair cost estimation is stored includes a vehicle model database 121, a parts database 122, a work item database 123, and a labor database 124. The database 125 may further include a trailing work item database 126 and a parts diagram database 127.

The vehicle model database 121 stores information on various vehicles, for example, information on a vehicle model, class, vehicle name, model name, and options for the vehicle. Specifically, the vehicle model database gives different codes for each car make, car type, grade, car name, model, and option, so that it is easy to know what type of vehicle the vehicle is manufactured through and what kind and characteristics of the vehicle. To help.

Here, the vehicle model can be divided into passenger, jeep, cargo, van, RV, grade, can be divided into light, small, medium, large, high-end. Options include engine, fuel, air conditioning, drive, steering gear, wheels, ABS, airbags, fog lights, door locks, rear view mirrors, sunroofs, spoilers, ECS, dashboards, turbos, intercoolers, HID lamps, rear wipers, bumper guards, CDP, Seats, roof carriers, roof racks, AV, back-warning sensors, navigation, immobilizers, hands-free, curtain airbags, power trunks, CD changers, combustion heaters, DVD changers, rain sensors, rear cameras, headlamp washers It can be classified according to the type and mounting. This division is merely an example, and the present invention is not limited thereto.

The parts database 122 stores information related to parts used in a vehicle. For example, information about a part number, a manufacturer's part code, a part price, a part price application time, a number of duplicates, a grade, an option, etc. is provided for a predetermined part. It is stored.

In particular, the parts database 122 according to an embodiment of the present invention may be constructed by classifying the parts data provided from the automobile manufacturer by codes based on the vehicle model database 121 and the work item database described below. Accordingly, the information on the parts required to perform any task for each feature-specific vehicle can be provided.

The work item database 123 stores information on a repair work item of the vehicle. For example, information on the subject work, the subsidiary work, and the painting work is stored with respect to a predetermined repair work item, and different information may be assigned and managed. In addition, information such as the average work time required for each work may be stored, for example, information such as unscheduled work time and sheet metal time may be stored. Here, the detachable working time can be divided according to the detachment, exchange, overhaul, adjustment. In addition, information about the painting operation time, the coating material cost, the heating drying ratio, the coating application rate and the like may be stored for the painting operation.

The labor database 124 stores labor cost information required for each repair work item. For example, the labor cost of applying the detachable work time, the painting time, and the coating material cost is stored for each work code. Here, the coating time and the material cost may be classified according to the coating color and the number of coats of the vehicle.

The anticipated work item database 125 classifies the damage level of the vehicle by the collision direction of the accident vehicle and stores information on the anticipated repair work item accordingly. Specifically, the collision direction of the accident vehicle is divided into a plurality (for example, 16), and the damage degree of the vehicle in each collision direction is divided into minor damage, heavy damage, and major damage. In addition, information about the expected repair work items of the vehicle is stored in response to the collision direction and the degree of damage.

Based on the expected work item database 125, when the user selects the collision direction and the degree of damage, the repair work item may be automatically informed. Therefore, even those who lack knowledge of vehicle repair can make a basic estimated repair cost estimate by checking the collision direction and the degree of damage even before repairing the accident vehicle.

The trailing job database 126 stores information about a job to be preceded by a specific repair job. For example, it stores information about a job that must be preceded by a specific subject job for a predetermined repair job. When a user selects a subject work of a predetermined repair work item, a repair work item may be provided which should be automatically preceded.

The component diagram database 127 stores a component diagram for each component. For example, a component diagram for each component provided by an automobile manufacturer is classified and stored as a manufacturer component code, and the component database 122 and the component diagram for each vehicle code are connected and managed by the manufacturer component code. Accordingly, when the user selects a predetermined part, the user may provide a diagram of the corresponding part, so that even a beginner who lacks basic vehicle knowledge may know the supply form or mounting position of the part.

Based on the information stored in the second database server 12, part information (part type, part price, part name, part number, etc.) necessary for estimating a quantity repair cost for an accident vehicle, repair work (removable work time, sheet metal time, etc.) ), Information such as painting data (painting time, painting material cost, heating drying cost, coating application rate, etc.), and rent (loan period, unit price table, etc.) may be provided.

Meanwhile, in addition to the databases described above, the vehicle insurance integrated processing system 1 according to the embodiment of the present invention may further include an insurance processing history database 114. The insurance processing history database 114 may store information such as a repair cost estimate, a payment guarantee, a related bill, a damage handling history, and the like for an accident vehicle. The insurance processing history database 114 may be implemented in a form included in the first and second database servers 11 and 12 or may be separately implemented. In the embodiment of the present invention, for convenience of description, the insurance processing history database 114 is illustrated as being included in the first database server 11.

The processing server 13 which performs insurance processing based on the information stored in the first and second database servers 11 and 12 as described above is the accident receiving unit 131 which receives insurance processing for the accident vehicle, the accident vehicle. It includes a quotation processing unit 132 for creating and processing a repair cost estimate for the payment guarantee processing unit 133 to ensure the payment guarantee for the repair cost estimate. In addition, a bill receiving unit 134 for receiving a bill for the repaired accident vehicle, a damage assessment processing unit 135 for processing damages for the accident vehicle based on the received invoice, providing a closing amount for the damaged accident vehicle Insurance processing unit 136 for providing insurance including insurance and query processing unit 137 for providing various information, including information about the user using the system, the vehicle rental for performing the vehicle rental processing for the accident vehicle It further includes a processing unit 138.

The accident reception unit 131 receives the information on the accident vehicle and stores and manages the accident reception database 112. The accident reception unit 131 according to an embodiment of the present invention receives accident reception information for each vehicle from the insurance company system 8 through the network, and performs accident reception process, and the information received in this manner is the accident reception information database 112. To store and manage. Of course, in some cases, an insurance subscriber may access an integrated vehicle insurance processing system according to an embodiment of the present invention to receive an accident. In this case, the accident receiving unit 131 receives an accident for the corresponding accident vehicle and then provides related information. Can be provided to the insurance company system. When the accident reception unit 131 directly receives an accident about an accident vehicle, it is determined whether the insurance contract is concluded for the accident vehicle based on the insurance reception database 111, and according to the determination result, Receive accident information.

The quotation processing unit 132 prepares a quotation for repair of the accident vehicle. Specifically, at the request of the maintenance company, a quotation for the accident vehicle is prepared.

The payment guarantee processing unit 133 enables the compensation officer to guarantee payment based on the repair cost estimate for the accident vehicle, and specifically, a predetermined repair cost estimate provided from the maintenance company device 4 is provided. ) Then, the result of the payment guarantee input from the terminal 7 of the compensation officer is provided to the maintenance company apparatus 4.

The bill receiving unit 134 receives a bill provided from the maintenance company device 4 or the parts company device 5 after the repair of the accident-warranty vehicle having the payment guarantee process is completed. The received invoice may be stored and managed in the insurance processing history database 114.

The damage assessment processing unit 135 provides the received invoice to the terminal 7 of the person in charge of compensation, so that the damage assessment is made. Thereafter, the damage assessment details are provided to the maintenance company apparatus 4 based on the approval processing result for the damage assessment provided from the terminal 7 of the compensation officer.

The insurance processing unit 136 according to the processing instruction input from the terminal 7 of the compensation person in charge based on the result of the agreement on the result of the determination of the amount of money according to the damage provided from the maintenance company device 4 provided with the damage details. The decision amount is treated as the closing amount. The closing amount is then provided to the service provider.

The inquiry processing unit 137 performs a customer vehicle repair history accumulation and search function. Specifically, it provides insurance application information, accident vehicle information, repair cost estimate information, photograph information, insurance claim information, etc. to users accessing the vehicle insurance integrated processing system 1, and based on such information, insurance accident information, vehicle repair costs, Statistical information such as insurance payments can be calculated and provided to users.

The vehicle rental processing unit 138 transmits and receives related information to and from the rental car company device 6 when the insured uses a rental car as necessary during repair of the accident vehicle, and processes the lease for the vehicle. In this case, the rent-a-car company may automatically calculate and request a rental fee according to the type of vehicle and the rental time of the car through the integrated vehicle insurance processing system 1.

In the vehicle insurance integrated processing system according to an exemplary embodiment of the present invention, although each component of the processing server 13 is illustrated to operate in the processing server, the present invention is not limited thereto and may be implemented as an independent server to process corresponding functions. have. And the components of the databases 11 and 12 and the processing server 13 are not limited to being classified as described above.

Integrated vehicle insurance processing system 1 according to an embodiment of the present invention may be implemented in a form included in the insurance company system, or may be implemented in a form separate from the insurance company system.

Next, a vehicle insurance integrated processing method according to an embodiment of the present invention will be described based on a system having such a structure.

4A and 4B are flowcharts illustrating a vehicle insurance integrated processing method according to an exemplary embodiment of the present invention, and FIG. 5 is an exemplary view illustrating a processing performed by each subject during vehicle insurance integrated processing.

As shown in FIG. 4A and FIG. 5, when a vehicle is required to be repaired due to a vehicle accident of an insurance subscriber and an accident is received by the insurer, the insurance company checks the insurance contract information of the accident party and then assigns the vehicle to a designated maintenance operator. Receipt of the incident to the maintenance shop of the compensation person (S100 ~ S110). When the accident reception process is completed, the accident reception information is provided to the vehicle insurance integrated processing system 1 according to the embodiment of the present invention (S120).

The accident reception unit 131 of the vehicle insurance integrated processing system 1 receives accident reception information for each accident vehicle for each insurance company and stores and manages it in the accident reception information database 112. And the accident reception information of the vehicle and the receipt information of the vehicle is provided to the terminal 3 of the insurance subscriber of the vehicle (S130). In addition, the vehicle accident reception information is transmitted to the maintenance company device 4 and the parts company device (5) (S140 ~ S150). Such incident receipt information provision may be performed by the insurance company system 8.

On the other hand, the maintenance company of the maintenance work is put into the vehicle insurance integrated processing system 1 according to an embodiment of the present invention through the equipment company device (4) in order to prepare a repair cost estimate of the vehicle before the repair.

The maintenance operator can inquire the accident reception information of the vehicle in the vehicle insurance integrated processing system by using the insurance reception information inquiry function. According to an embodiment of the present invention, Figure 6 shows an example of display of the incident reception information that the maintenance company is inquired through the integrated vehicle insurance processing system. Accordingly, the maintenance operator can check the insurance company, the insurance subscriber, the vehicle information, etc. to which the accident vehicle is subscribed based on the accident reception information.

Subsequently, the quotation processing unit 132 of the vehicle insurance integrated processing system 1 prepares a repair cost estimate for the vehicle in accordance with a request for a quotation provided from the maintenance company device 4 (S170 to S180). The process of preparing a repair estimate will be described later in more detail.

On the other hand, at the time of preparing the repair cost estimate, the service provider may provide an accident picture or video of the accident vehicle, and the provided picture or video is attached to the repair cost estimate to be prepared and the insurance subscriber terminal (3) or the corresponding insurance company system (8). It may be provided as. In addition, when the repair cost estimate is required to replace parts for the accident vehicle, as shown in FIG. 5, the parts details for parts replacement may be provided to the device 5 of the parts company. The provision of these parts details may be made by the service provider directly contacting the parts company (for example, sending the parts details by e-mail of the parts company device) or through the vehicle insurance integrated processing system 1. . When the parts details are provided through the vehicle insurance integrated processing system 1, the quotation processing unit 132 may provide the parts details for the parts replacement to the device 5 of the parts company while creating the repair cost estimate. Subsequently, the parts manufacturer can make an invoice based on the parts details provided.

When the repair cost estimate is completed or the repair cost estimate is provided from the maintenance company device 4 (S190 to S200), the payment guarantee processing unit 133 provides the repair cost estimate to the compensation officer terminal 7 so that payment guarantee processing is performed. (S210). The compensation officer reviews the repair cost estimate provided from the vehicle insurance integrated processing system 1 and then provides the vehicle insurance integrated processing system 1 with a result of whether the payment is guaranteed.

In this case, the compensation officer can inquire information about the accident vehicle received through the inquiry processing unit 137 of the vehicle insurance integrated processing system 1, and inquires the maintenance factory of the maintenance company in which the accident vehicle is received and repairs the corresponding vehicle. You can attend the factory and investigate the accident of the vehicle. If the compensation officer is difficult to enter the maintenance factory due to circumstances or needs to handle business in the office, the inquiry processing unit 137 receives an accident photograph or a video provided by the maintenance company for the accident vehicle through the inquiry processing unit 137. You can check the status of the accident online. The compensation officer then inspects the accident vehicle and checks the repair cost estimate before deciding whether to pay for the repair.

The payment guarantee processing unit 133 of the vehicle insurance integrated processing system 1, when the payment guarantee for the repair cost estimate is made, delivers the result of the payment guarantee to the corresponding maintenance company device 5 to instruct the repair to be started ( S220).

When the payment guarantee result for the repair cost estimate provided from the vehicle insurance integrated processing system 1 is received, the maintenance company starts repairing the accident vehicle (S230). Subsequently, after the repair is completed, the maintenance company provides the vehicle insurance integrated processing system 1 with the invoice for the repair through the maintenance company device 4. In this case, a bill may be prepared based on the repair cost estimate (S240 to S250).

On the other hand, when the parts are exchanged while the vehicle is repaired, the relevant person of the parts company that provided the parts to the maintenance company prepares an invoice based on the parts details and provides them to the vehicle insurance integrated processing system 1 (S260). S270). These invoices can be managed with the insurance incident receipt number assigned to the vehicle involved in the accident.

As shown in FIG. 4B, when the invoice is received from the device 4 of the service provider who has repaired the accident vehicle and / or the invoice is received from the device 5 of the parts company which provided the part for the accident vehicle. In operation S280, the damage assessment processing unit 135 of the vehicle insurance integrated processing system 1 may perform the damage assessment based on the invoices (S290). Specifically, the related invoices are provided to the terminal 7 of the compensation officer, and the compensation officer receives the invoices transmitted online by the maintenance company and the parts company by insurance accident reception number. In addition, by using the accident difference amount of damage provided by the damage processing unit 135 and the insurance amount assessment function to determine the collective payment premium for the incident. The payment amount thus determined is called the decision amount, and the decision amount can be determined through the approval of the manager of the compensation officer through the insurer's internal processing.

The damages processing unit 135 determines the amount of the damages processed decision based on the invoices received corresponding to the predetermined insurance accident reception number, the terminal 3 of the insured subscriber, the maintenance company device 4, and the parts company device 5 (S300 to S320).

In the above bill receiving step, the invoice according to the vehicle rental of the insured may be received from the rental car company device 6, in which case, the invoice provided from the car rental company is also processed when the damage is handled and used to calculate the determined amount. Of course, the calculated decision amount is also provided to the rental car company apparatus 6. The vehicle rental may be used by an insurance subscriber as needed during the repair of the accident vehicle, and the rental contract for such a vehicle rental is performed by the vehicle rental processing unit 138. If the insured person wants to rent a vehicle, the vehicle rental processing unit 138 of the integrated vehicle insurance processing system 1 transmits and receives the relevant form online between the insurer's insurance company system 8 and the rental car company device 6. In addition, a lease is made for a given vehicle. The rental car company may automatically calculate a rental fee according to the type of the rented vehicle and the rental time of the rental car based on the contract information related to the lease provided from the vehicle insurance integrated processing system 1 to prepare a bill.

On the other hand, a maintenance company, a parts company person concerned, or a rental car company person concerned determines whether to agree to the determined amount of money which is the result of the damage processing provided from the vehicle insurance integrated processing system 1. In case of disagreement, damages to the invoices will be reconsidered by filing an objection.

When a result is received that the compensation companies all agree on the determined amount (S330 to S350), the insurance processing unit 136 of the integrated vehicle insurance processing system 1 determines the amount to be paid, that is, the closing amount. (S360). In addition, the determined closing amount is provided to the compensation-related companies (S370 to S380). The closing amount may be provided through a wire transfer or the like in connection with a payment related system (for example, a banking system or the like) through a network.

According to this vehicle insurance integration process, accident information can be quickly used by the relevant parties (insurers or compensation companies) to perform the work. In addition, relevant actors can immediately determine whether a repair cost estimate has been determined and whether insurance claims have been paid. In addition, as information is easily exchanged between insurance companies, maintenance companies, parts companies, and car rental companies, insurance processing for the accident vehicle is smoothly and quickly performed.

Next, a detailed description will be given of a repair cost estimating process in a vehicle insurance integrated process according to an embodiment of the present invention.

7 is a flowchart illustrating a repair cost estimation process according to an embodiment of the present invention. The process shown in FIG. 7 is only one example of a process for preparing a repair cost estimate according to an embodiment of the present invention, and the present invention is not limited to the flow shown in FIG. 7.

When the operator receives the accident reception information about the predetermined accident vehicle, as shown in FIG. 7, the maintenance operator accesses the vehicle insurance integrated processing system 1 through the maintenance company device 4 to perform the insurance reception information inquiry function. Query accident incident information for the accident vehicle.

And the request for a repair cost estimate for the inquired accident vehicle (S700).

In response to a request for preparing a repair cost estimate for the accident vehicle, the quotation processing unit 132 reads and displays vehicle information about the accident vehicle from the vehicle model database 121. After that, the maintenance operator selects the collision direction and the damage degree for the accident vehicle (S710).

8 is an exemplary view showing a screen for selecting a collision direction and damage degree when preparing a repair cost estimate according to an embodiment of the present invention.

On the screen as shown in FIG. 8, the maintenance operator selects one of the sixteen collision directions divided into, for example, and selects one of the damage levels classified into minor damage, heavy damage, and major damage. The quote processing unit 132 reads repair work items from the expected work item database 125 based on the collision direction and the degree of damage that is input to the maintenance service provider (S720). Therefore, the maintenance operator can know what repair work to perform based on the repair work items displayed as shown in FIG.

As described above, in addition to the repair work items according to the collision direction and the degree of damage input by the maintenance service provider, additional repair work items may be selected and added according to a result determined by the maintenance service provider (S730). The repair work items to be performed and / or the repair work items added by the service provider are entered in the quotation according to the accident degree of the vehicle thus obtained.

The quote processor 132 searches the vehicle model database 121, the work item database 123, and the labor database 124, respectively, based on the repair work items and the information on the corresponding vehicle, and based on the information obtained thereafter, By applying the detachable work time, coating time, coating material cost, etc. required for each repair work item calculates and provides labor per work item (S740).

Also, based on the repair work items and the information on the vehicle, the vehicle model database 121, the work item database 123, and the parts database 122 are searched, respectively, and are required for each repair work item based on the obtained information. The parts and the part price are displayed (S750).

9 illustrates a screen in which the vehicle information, repair work information, parts information, labor information, and the like thus obtained are provided.

On the other hand, when the maintenance company clicks on a predetermined part in the parts details, the quotation processing unit 132 reads and displays the schematic diagram linked to the component clicked from the component diagram database 127 (S760 to S770). 10 is an exemplary diagram of a component diagram provided according to an embodiment of the present invention. In particular, when providing a component diagram, the supply type and mounting positions of the corresponding parts are displayed so that the service provider can easily know where the corresponding parts are used. Therefore, the maintenance operator can easily determine the parts required for the repair of the accident vehicle, thereby making it easy to create a quotation.

According to the same process described above, when the vehicle information, repair work information, parts information, labor information for the accident vehicle is obtained, the quotation processing unit 132 creates a repair cost estimate based on the obtained information (S780) . Each of the information is settled as the costs required to be processed by the predetermined processing function are calculated or summed and rearranged. 11 is an exemplary view showing a settlement screen of a repair cost estimate prepared according to an embodiment of the present invention.

On the settlement screen, repair cost settlement data is provided.For repair cost settlement data, for example, desorption exchange system, sheet metal calibration system, salvage / towing ratio, painting material stand, painting labor, painting surcharge, heating drying cost, overall coating application rate, painting settlement , Wages, genuine parts, parts discount rate, parts settlement, used parts, glass parts, parts, depreciation, residuals, deductions, net loss, balance deduction, payment, quotation before user wage There is this.

On the other hand, the repair cost estimate may be output in various forms, for example, inspection / maintenance statements, quotations, tax invoices, repair bills, etc. according to the user's request. The quotation processing unit 132 may store and manage the insurance repair estimate database 114 while providing the created repair cost estimate to the maintenance company.

In addition, when the repair company calculates a repair cost estimate as described above, when the maintenance company selects a predetermined repair work item, the quotation processing unit 132 searches the preceding work database 126 based on a code assigned to the repair work item, and the repair work item. You can provide information about preceding or following operations in.

According to this embodiment, the maintenance operator can easily prepare a repair cost estimate for the accident vehicle. As a result, the insurance process for the accident vehicle is promptly performed, so that the repair and payment of the vehicle can be made quickly and accurately.

In addition, even a maintenance service provider who is not knowledgeable in making a quotation can estimate the repair work item for the accident vehicle through the repair cost estimation process as described above.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a view showing the concept of integrated vehicle insurance processing according to an embodiment of the present invention.

2 is a diagram illustrating a network connection state of a vehicle insurance integrated processing system according to an exemplary embodiment of the present invention.

3 is a structural diagram of a vehicle insurance integrated processing system according to an embodiment of the present invention.

4A and 4B are flowcharts illustrating a vehicle insurance integrated processing method according to an embodiment of the present invention.

5 is an exemplary view showing a processing performed by each subject in the vehicle insurance integrated processing according to an embodiment of the present invention.

6 is an exemplary view illustrating a display screen of accident reception information that a maintenance company inquires through a vehicle insurance integrated processing system according to an exemplary embodiment of the present invention.

7 is a flowchart illustrating a repair cost estimation process according to an embodiment of the present invention.

8 is an exemplary view showing a screen for selecting a collision direction and damage degree when preparing a repair cost estimate according to an embodiment of the present invention.

FIG. 9 is an exemplary view illustrating a screen on which vehicle information, repair work information, parts information, labor information, and the like are provided when a repair cost estimate is prepared according to an embodiment of the present invention.

10 is an exemplary diagram of a component diagram provided according to an embodiment of the present invention.

11 is an exemplary view showing a settlement screen of a repair cost estimate written according to an embodiment of the present invention.

Claims (19)

In the vehicle insurance integrated processing method of a system that performs insurance processing for accident vehicles through a network, Obtaining, by the system, accident reception information for a predetermined accident vehicle; Generating a repair cost estimate for the accident vehicle based on the accident reception information, in response to a request from a service provider's device connected through the network by the system; The system performing payment guarantee processing on the repair cost estimate; And The system providing a payment guarantee processing result to the maintenance operator's device Including, Creating a repair cost estimate, Receiving a collision direction and a degree of damage to the accident vehicle from a device of the maintenance operator; Using the estimated work item database based on the collision direction and the damage level provided above, the database classifies the damage level of the vehicle by the collision direction of the accident vehicle and stores information on the expected repair work item accordingly. Determining repair work items; Calculating labor costs for the repair work items; When the parts are generated for the repair work items, and a predetermined part included in the parts is selected, a part diagram for the selected part is provided. Providing the mounting position together; And Preparing a repair cost estimate based on the vehicle information, the repair work items, the labors, and the parts details of the accident vehicle; Vehicle insurance integrated processing method comprising a. delete The method of claim 1 And determining the repair work items further comprises receiving repair work items to be added from the service provider's device. delete The method of claim 1 If a predetermined work item is selected from among the repair work items, further comprising providing a work item that is preceded or followed by the selected work item. The method according to any one of claims 1, 3, and 5, Providing the acquired accident reception information to at least one of a device of a maintenance company and a device of a parts company through the network; And Providing the parts details to the device of the parts company Vehicle insurance integrated processing method comprising more. delete The method according to any one of claims 1, 3, and 5, Performing the payment guarantee process Receiving a repair cost estimate from the service provider's device through the network; Requesting payment guarantee processing while providing the repair cost estimate to a terminal of a compensation officer in charge of insurance processing connected to the network; And Receiving a payment guarantee processing result from a terminal of the compensation officer; Vehicle insurance integrated processing method comprising a. The method according to any one of claims 1, 3, and 5, Receiving a bill from at least one of a device of a service provider who has received the payment guarantee processing result and a device of a parts company involved in repairing the accident vehicle; Receiving an invoice according to the vehicle rental of the insurance subscriber of the accident vehicle from a rental car company device through a network; Calculating a determination amount by performing damage assessment processing on the provided invoices; Providing the calculated determination amount to at least one of a device of a maintenance company, a device of a parts company, and a car rental company device; Receiving a consent form for the determination amount from devices providing the determination amount; If a consent is received from all devices that provided the determination amount, confirming the determination amount as the termination amount and paying the insurance amount according to the termination amount. Vehicle insurance integrated processing method comprising more. delete delete delete In a vehicle insurance integrated processing system that performs insurance processing for accident vehicles through a network, A first database server storing basic information for insurance processing for an accident vehicle; Information for estimating repair costs for the accident vehicle is stored, and the estimated work item database, which stores information on the repair work items that are estimated according to the collision direction of the accident vehicle and stores the information on the expected repair work items, and maps the parts by parts. A second database server including a parts diagram database where parts are stored; And A processing server that performs insurance processing including an estimate of repair costs for an accident vehicle based on the information stored in the first and second database servers. Including, The processing server An accident reception unit that receives insurance processing for the accident vehicle; A repair cost estimate for the accident vehicle is prepared and processed, and the estimated work item database is searched and repaired based on the collision direction and the degree of damage to the accident vehicle provided from a device of a maintenance operator performing maintenance on the accident vehicle. An estimate processing unit for determining work items and creating a repair cost estimate based on the determined repair work items; And Warranty processing unit that performs a payment guarantee for the repair cost estimate Including, The quotation processing unit generates parts details for the repair work items, and when a predetermined part included in the parts details is selected, finds and provides a part diagram for a selected part from the parts diagram database, a part Vehicle insurance integrated processing system that provides the supply form and mounting location of the corresponding parts when the schematic is provided. delete The method of claim 13, The processing server A bill receiving unit for receiving a bill for the repaired vehicle; A damage processing unit for processing damages for the accident vehicle based on the received invoice; Claim processing unit for providing a claim for the accident vehicle is assessed damage; And Inquiry processing unit for performing information provision including information inquiry on users who use the system Vehicle insurance integrated processing system further comprising. The method of claim 13, The first database server, An accident reception database storing accident reception information on the accident vehicle; An insurance filing database, in which insurance filing information is stored for vehicles which have an insurance contract for each insurance company; And Information about users who can use the system is stored, and the users are given a user ID with different characteristics for each company, user database Including, vehicle insurance integrated processing system. The method of claim 13, The second database server, A vehicle model database in which vehicle information including vehicle models and manufacturers of vehicles is stored; A parts database storing parts related information including parts used for each vehicle and parts prices; A work item database in which information about a repair work item for each vehicle is stored; And Labor database that stores labor cost information for each repair operation Including, vehicle insurance integrated processing system. The method of claim 17 The quote processing unit Search the vehicle model database, the work item database and the labor database based on the repair work items and the accident vehicle information, and calculate the labor required for each repair work item based on the information obtained thereafter; Search the vehicle model database, the work item database and the parts database based on the repair work items and the corresponding vehicle information, and generate the parts details required for each repair work item based on the obtained information; The vehicle insurance integrated processing system for creating a repair cost estimate based on the vehicle information, repair work items, parts details, labor for the accident vehicle. The method of claim 15 The processing server, A vehicle rental processing unit which transmits and receives information related to the accident vehicle with a rental car company device through the network and processes a lease contract for a vehicle used in place of the accident vehicle. More, The damage processing unit Receive a bill from at least one of a device of a maintenance company that has received a payment guarantee processing result and a device of a parts company involved in repairing the accident vehicle, and bills according to the vehicle rental of the insured vehicle of the accident vehicle from a car rental company device Is optionally provided, and then the damages processing for the provided invoices is performed to determine the amount of the decision, Providing the calculated decision amount to at least one of the device of the service provider, the device of a parts company, and the car rental company device, and then receive a consent form for the decision amount from the devices that provided the decision amount; If a consent is received from all devices that provided the determination amount, the determination amount is confirmed as the closing amount, The insurance claim processing unit, the vehicle insurance integrated processing system for providing a claim in accordance with the closing amount.

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