KR101983558B1 - Method and apparatus for claiming insurance benefit - Google Patents

Abstract

The present invention provides an insurance benefit claim terminal which obtains identification information and treatment information of a user from an electric code attached to a document related to an insurance benefit claim of the user and obtains information related to the insurance benefit claim of the user without being connected to a server of a medical institution so as to simply claim the insurance benefit and a method thereof. Particularly, the insurance benefit claim terminal outputs advertisement content having high interest of the user in a process of claiming the insurance benefit so as to provide a customized advertisement to the user and uses a block chain in accordance with a load of an insurance benefit business so as to provide a technology of selectively synchronizing data with other insurance benefit claim terminals.

Description

METHOD AND APPARATUS FOR CLAIMING INSURANCE BENEFIT}

The present disclosure relates to a method and apparatus for obtaining a user's personalized advertisement, by claiming user's identification information through OCR, so as to claim a premium without interworking with a medical institution server. More specifically, the present invention, through the analysis of the identification information of the user obtained directly through the electronic code attached to the document related to the claim of the user, while displaying the advertising content related to the user's interest on the claim terminal In addition, the insurance company server can claim the user's insurance, and the technology to synchronize the data with the other claim terminal using the block chain according to the load of the claim claim work.

As the multimedia technology and the network technology have developed, the user can be provided with various services using the insurance claim terminal. In addition, as technologies for providing appropriate prescription information to the user have been developed, various methods for providing treatment details, treatment details, and prescription information related to medicines for the user's condition have been developed.

On the other hand, the conventional insurance product has a gap between the consumer and the insurance company due to the tedious screening process, the complexity of the enrollment process, vast terms and conditions, complex guarantees and special agreements, and even if the insurance product is insured, There have also been frequent cases where the medical records do not know whether insurance can be covered. In other words, the insured may not be aware of the coverage of his or her own insurance product, so it may be very difficult to determine if his or her disease can be covered by his or her own insurance product. Accordingly, after receiving a diagnosis, the insured person has to inconvenience the insurance agent (FC) or the insurer to check the information by inquiring the contents that can be covered through the insurance they have subscribed to.

Also, in general, the monitor advertisement in the pharmacy may be performed in a form in which the pharmaceutical related advertisement content previously designated by the pharmacist is repeatedly exposed to the display device installed in the pharmacy.

As such, in the related art, advertising content is selected and displayed somewhat unilaterally for the entire patient visiting the pharmacy, and thus, it may be difficult to induce the purchase of the product of the patient through the monitor advertisement in the pharmacy.

Accordingly, there is a demand for the development of a technology capable of providing patient-specific advertisement contents by displaying advertisement contents of an over-the-counter drug in consideration of priorities in consideration of the priority of various patients visiting the pharmacy on a display device installed in the pharmacy. .

Korean Patent Publication No. 10-2017-0121952 "Terminal for claim claims and claim method"

One embodiment is a system and method for determining services and advertisements suitable for a claimant's information using user identification information obtained through a kiosk, providing them to a user, and receiving feedback from the user and providing the same to the client. To provide.

According to a first embodiment, there is provided a method for claiming insurance, the method comprising: obtaining, at a claim terminal, insurance claim proof information from a claim related document or card using a reader; and user identification information from the claim proof information; Extracting medical identification information, generating corresponding claim information from user identification information and medical identification information, and outputting a request for payment of a fee corresponding to the insurance claim information on a screen; In response to acquiring the information, transmitting insurance claim information to the insurer server, acquiring the interest of the user based on the user identification information, and generating a priority of the plurality of pre-stored advertisement contents according to the interest of the user. , You can select multiple ad content Derivative can provide the step of outputting a receipt in accordance with the step, and the payout completion of the step of transmitting the billing information to the exposure.

According to the second disclosure, a claim terminal is provided, and the claim terminal is executable by a reader, a processor, and a processor for acquiring insurance claim proof information from a display unit, a communication unit communicating with an insurance company server, a claim related document or card. A memory for storing instructions, wherein the processor executes the instructions to extract user identification information and medical identification information from the claim proof information, and generate corresponding claim information from the user identification information and medical identification information, Output the request for payment of the fee corresponding to the claim information on the screen, and in response to the response to obtain the fee through the claim terminal, the claim information is sent to the insurance company server, based on the user identification information Acquire and use your interests The priorities of the plurality of pre-stored advertisement contents according to the interest of the user may be generated, the plurality of advertisement contents may be sequentially exposed according to the priorities, and the receipt may be output through the display unit upon completion of the step of transmitting the insurance claim information. have.

Another disclosure can provide a computer program product comprising a computer readable storage medium.

By obtaining insurance claim information from an electronic code attached to a document related to a user's insurance claim provided by the user, the user's identification information and medical care information can be directly obtained without interworking with a database of a medical institution or a server of a medical institution. Do.

The user can easily inquire insurance information through the claim terminal (for example, kiosk, tablet PC or mobile terminal, etc.) installed in the pharmacy, and can claim the claim.

In addition, according to an embodiment of the present invention, instead of the existing pharmacy monitor advertisement provided for an unspecified number, by determining the non-prescription drug information expected to be required by the patient who visited the pharmacy, the display terminal (monitor) installed in the pharmacy , Kiosks, tablets, mobile terminals, TVs, etc.) to provide advertising content about non-prescription drug information to patients who are waiting for prescription drug preparation time. It can be done more efficiently.

1 is a diagram schematically illustrating an embodiment in which a claim terminal according to one disclosure receives a claim request and provides insurance related information and an advertisement.
2 is a block diagram functionally showing the operation of the insurance claim terminal according to one disclosure.
3 is a flowchart illustrating a method of claim insurance according to one disclosure.
4 is a diagram illustrating the concept of a blockchain according to one disclosure.
5 is a flowchart illustrating a user authentication method in a 'sink' mode according to one disclosure.
6 is a diagram showing the configuration of a claim terminal according to one disclosure.
7 is a block diagram showing a detailed configuration of a claim terminal according to one disclosure.
FIG. 8 illustrates an I-Shape Extended Curvature Gabor Classifier Bunch group for facial recognition of a user according to one disclosure.
9 is a diagram illustrating characteristics of a curved Gabor filter according to one disclosure.

DETAILED DESCRIPTION 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 "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components unless otherwise stated.

Hereinafter, the user may refer to a patient who is an insurance subscriber, or the user may refer to a person who claims insurance using a claim terminal, and may be a user or a third party such as a family who claims insurance on behalf of the user. Hereinafter, the patient claiming the insurance, the user of the pharmacy will be described as a user.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram schematically illustrating an embodiment in which a claim terminal according to one disclosure receives a claim request and provides insurance related information and an advertisement.

According to one disclosure, the claim terminal can receive a claim received from the user, and transmit the claim details to the insurance company. In addition, the insurance claim terminal may receive the user's medication information from the pharmacy, and accordingly transmits the claim claim content and medication information to the user's terminal.

In addition, according to one disclosure, the insurance claim terminal may transmit the identification information and the insurance information of the user to the insurance company and pharmaceutical companies.

2 is a block diagram functionally showing the operation of the insurance claim terminal according to one disclosure.

The user may obtain insurance claim proof information from the medical certificate and the prescription 10 or the medical card using the insurance claim terminal 200. For example, a user reads an optical code (for example, a QR code) printed on a medical certificate 10 or the like by using the insurance claim terminal 200, thereby claiming insurance claim information included in the optical code. ) Can be sent.

According to one disclosure, the insurance claim terminal 200 may be in close communication with the medical care card 20 to obtain insurance claim proof information. The insurance claim terminal 200 may obtain information related to the matter diagnosed by the user user, identification information of the user user, and the like through the above-described operation.

According to one disclosure, a user may directly input information related to a insurance claim to the insurance claim terminal 200. For example, a user may input information necessary for claim details, such as medical identification information, user identification information, and drug purchase information, by using the user interface of the insurance claim terminal 200. Information related to the insurance claim of the user, such as information about the insurance, information about the insurance company account of the user, the insurance information of the user can be input.

According to one disclosure, the user may transmit insurance claim proof information to the insurance claim terminal 200 using the user terminal 300. For example, a user may transmit insurance claim proof information to the insurance claim terminal 200 using the insurance application installed in the user terminal 300.

The insurance claim terminal 200 may process the obtained information on its own, or obtain and process the insurance server 100. In one embodiment of the present invention that the overall processing in the insurance server 100, the claim terminal 200 may transmit the insurance claim proof information to the insurance server (100).

The insurance claim proof information may include, for example, when the claim terminal 200 photographs the optical code, the image itself photographing the optical code and / or information read by reading the optical code. .

According to one disclosure, the insurance server 100 includes a communication module for communicating with an external device, an insurance information inquiry module for querying insurance information corresponding to identification information of a user, and a storage module for storing information related to insurance for which a user and a user have subscribed. It may include. The configuration of the insurance server may be changed according to one disclosure, and the insurance server 100 may include more configurations according to the operation method as well as the above-mentioned module.

The insurance server 100 may receive insurance claim proof information, extract user user identification information from the received claim claim proof information, and query insurance information subscribed to by the user user based on the extracted user user identification information. have. Insurance information subscribed by a user may be stored in a database of the insurance server 100 or stored in an external server.

The insurance server 100 may generate, based on the insurance information of the user inquired using the medical identification information, the insurance information indicating how much the medical diagnosis information included in the insurance claim proof information may be covered. .

For example, when the medical diagnosis information "fracture" is identified in the medical identification information by the user "a", the insurance information generation module "the coverage information related to the insurance that can cover the" fracture "among the insurance information subscribed by the user. Can be generated. In addition, the insurance server 100, based on the identification information of the user user, a notification that the insurance agent in charge of the user user to call the user user to the terminal of the insurance agent in charge of the user user or the terminal of the insurance company Can transmit According to one disclosure, the insurance information generated by the insurance server 100 may be transmitted to the insurance claim terminal 200. The insurance claim terminal 200 may output the received insurance information through the screen, so that the user may easily know the insurance matters related to the diagnosis matters.

In addition, the insurance claim terminal 200 may transmit information and advertisement information related to the claim claims of the user to the user terminal (300). According to one disclosure, the insurance claim terminal 200 may transmit information or advertisement information related to a claim of a user using a notification function of an insurance application installed in the user terminal 300. According to one disclosure, the insurance claim terminal 200 may transmit information or advertisement information related to the claim claims of the user to the user terminal 300 using SNS, E-mail, text message, pop-up message.

Through this operation, the user user recognizes the QR code printed on the medical certificate, prescription, medical card, etc. to the insurance claim terminal 200, or easily recognizes the short-range communication tag included in the medical care card on the insurance claim terminal 200, You can know the insurance coverage information about the diagnosis result received by the user, and you can promptly contact the insurance agent in charge to proceed with the claims. Therefore, it is possible to increase the accessibility of the user user's insurance information, to reduce the gap between the user user and the insurance company, to implement a more user-friendly insurance company and to implement user user convenience.

In addition, if the contents diagnosed by the user user are related to the family history, the insurance server 100 may guarantee items related to the contents diagnosed by the user by the insurance that the family member of the user user has subscribed to with the consent of the user user. It is possible to determine whether it can be, and to provide a notification to the user user, so that the user user can conveniently create a family insurance plan.

In addition, when the insurance claim terminal 200 transmits insurance claim proof information, the insurance server 100 may determine to provide a reward for the user to the user. The insurance server 100 may determine to provide a reward to the user user in order to induce insurance information inquiry using the insurance claim terminal 200 of the user user.

According to one disclosure of the terminal 200, the claim claim proof information is, for example, when the claim terminal 200 photographs the optical code, by reading the image itself and / or the optical code photographing the optical code. Acquired information and the like. In addition, the claim claim proof information, for example, when the claim terminal 200 communicates with the short-range communication tag, the information obtained from the short-range communication tag or the information associated with the identification information and medical identification information of the user user from the acquired information. It may include information extracted from the information. The insurance claim terminal 200 may extract user identification information from the insurance claim proof information, and may query insurance information subscribed to by the user user based on the extracted user user identification information.

The insurance claim terminal 200 extracts the user user identification information from the insurance claim proof information and transmits the user user identification information to the insurance server 100 to request insurance information subscribed to the user user from the insurance server 100, and from the insurance server 100. The insurance information may be queried by receiving insurance information subscribed by the user.

The insurance claim terminal 200 may extract medical identification information for identifying medical diagnosis content from the insurance claim proof information and generate insurance information indicating whether the extracted medical identification information is covered by the inquired insurance information. By outputting the insurance information generated through the screen of the insurance claim terminal 200, it is possible for the user to easily know the insurance matters related to the diagnostic matters.

In addition, when the diagnosis of the user user is related to the family history, the insurance claim terminal 200 may query insurance information subscribed to the family of the user user. In this case, the guarantee information generation module may generate guarantee information indicating whether the user user can cover the diagnosed content in insurance information subscribed to the family of the inquired user user. Therefore, when the user user is diagnosed with a disease or a disease related to a family history, the user user can easily obtain information related to whether the insurance of the family can cover the disease and the disease, and establish a family insurance plan.

3 is a flowchart illustrating a method of claim insurance according to one disclosure.

According to one disclosure, a method of claim insurance can be provided.

According to one disclosure, the insurance claim terminal 200 and the claim server 201 can communicate in real time, it is possible to perform real-time data synchronization. According to one disclosure, operations performed separately by the claim terminal 200 and the claim server 201 may be executed by the claim terminal 200 alone.

According to one disclosure, the insurance claim terminal 200 may receive a claim from the user. For example, the insurance claim terminal 200 may obtain insurance claim proof information from the claim-related document or card using a reader.

According to one disclosure, the insurance claim terminal 200 reads an OCR (optical character reader) image of at least one of the user's medical certificate, medical card, prescription, insurance policy, and the insurance policy information of the user from the read OCR information The insurance claim proof information may be obtained by extracting at least one of personal characteristic information, medication information, and medical treatment information.

According to another disclosure, the insurance claim terminal 200 may obtain the insurance claim information by recognizing the electronic code attached to the user's medical certificate, medical card, prescription, insurance policy.

According to one disclosure, the electronic code may include at least one of a barcode, a QR code, an NFC tag, and an image tag.

According to one disclosure, the claim terminal 200 or claim claim server 201 may extract the user identification information and medical identification information from the claim claim proof information. According to one disclosure, the insurance claim server 201 may create an insurance claim using the user identification information and medical identification information and transmit it to the insurance company server 100.

In this case, the insurance claim terminal 200 or the insurance claim server 201 can create an insurance claim in accordance with the insurance coverage of the user by inquiring the insurance subscription details from the user to the insurance company server 100.

According to one disclosure, the insurance claim terminal 200 or the insurance claim server 201 may receive the insurance subscription details from the user terminal 300, and to inquire the insurance subscription details of the user on the insurance company server 100, Can receive information about the insurance company account of the user.

According to one disclosure, the claim terminal 200 or the claim server 201 can generate corresponding claim information from the user identification information and medical identification information.

According to one disclosure, the insurance claim terminal 200 may output a request for payment of a fee corresponding to the generated insurance claim information on the screen.

According to one disclosure, the insurance claim terminal 200 may receive a fee from the user. According to one disclosure, the insurance claim terminal 200 may receive the fee using a payment method such as electronic money, cash, card.

The insurance claim terminal 200 or the insurance claim server 201 may transmit insurance claim information to the insurance company server 100 in response to the response of obtaining a fee through the insurance claim terminal 200.

In addition, while claim information is transmitted to the insurance company server 100, the claim 200 or claim server 201 obtains the interest of the user based on the user identification information, and stored in advance according to the interest of the user The priority of the plurality of advertisement contents may be generated.

According to one disclosure, the insurance claim terminal 200 may sequentially expose a plurality of advertising content according to the generated priority. According to one disclosure, the plurality of advertisement contents may be contents stored in the insurance claim terminal 200 or may include advertisement contents received from the insurance claim server 201.

According to one disclosure, the insurance claim terminal 200 may provide a step of outputting a receipt upon completion of the step of transmitting the insurance claim information. According to one disclosure, the receipt may include information informing that the insurance money has been charged to the insurance company server 100.

According to one disclosure, the insurance claim terminal 200 may obtain a medical record of the user from the identification information of the user. According to one disclosure, the insurance claim terminal 200 OCR reading the image taken at least one of the medical certificate, medical card, prescription, insurance certificate provided by the user to medical diagnosis name, medical history information of the user, treatment performed to the user History information, information of the medicine prescribed to the user can be obtained directly.

According to one disclosure, the insurance claim terminal 200 does not communicate with the server of the medical institution, along with the medical records of the user from the database of the medical records of the user, the medical condition name information, medical diagnosis name information that can be paid insurance, At least one of medical history information of the user, medical activity history information performed on the user, treatment history information performed on the user, and information related to medicine prescribed to the user may be obtained.

Claim claim terminal according to one disclosure is characterized in that the display device of at least one of a TV, a monitor, a mobile terminal and a kiosk (KIOSK).

In addition, the claim terminal is operated based on a blockchain that stores the block containing the details of claims for the insurance company server among the one or more nodes, each node is a plurality of claim terminals installed in a plurality of pharmacies The claim terminal checks the number of claims for the insurance company server every predetermined period, and if the claim number does not exceed a predetermined threshold value, the claim terminal is real-time with at least one other claim terminal through the blockchain. Initiate a sync mode that synchronizes data to generate a block, and when the claim number exceeds a predetermined threshold, by executing an un-sync mode, at least one other claim It may be characterized in that the blockchain connection is released by deactivating data synchronization with the terminal. .

According to one disclosure, the insurance claim terminal 200, using the electronic coin stored in the user's electronic wallet, characterized in that automatically pay the fee, the electronic coin is a plurality of claims claim server and pharmacy payment terminal available It may be characterized as a crypto currency of.

According to one disclosure, when the insurance claim terminal 200 automatically pays a fee from the balance of the user's electronic wallet, the claim information may be transmitted to the user's terminal, the details of the fee, the balance information of the electronic wallet, and the details of the claim. . According to one disclosure, the insurance claim terminal 200 obtains the user's response to the plurality of advertisement content output on the screen of the claim claim terminal 200, and provides detailed advertisement information corresponding to the advertisement content responded by the user. Outputs, transmits information about the user's response to the advertiser server, and reflects the user's response to modify the priority of the plurality of advertisement contents.

According to one disclosure, the insurance claim terminal 200 may provide a customized advertisement to the user according to the modified priority.

According to one disclosure, the user's response may include any one of a user input for selecting one of the plurality of advertisement contents, a time for watching the advertisement contents, and a user input for passing the advertisement contents.

According to one disclosure, the insurance claim terminal 200 may transmit information on the selected advertisement content to the user's terminal in response to a user input for selecting one of the plurality of advertisement contents.

The terminal of the user according to one disclosure may be characterized in that the user terminal linked to at least one of the user's telephone number, SNS account, E-mail information, insurance company account extracted from the acquired user identification information.

According to one disclosure, the insurance claim terminal 200 acquires a plurality of images photographing a face of a user, and performs eye (I) -type curve gabor filtering on the plurality of images to perform feature vector of the plurality of images. Generating the facial recognition information of the user based on the feature vectors, comparing the generated facial recognition information of the user with the previously stored facial recognition information of the user, and calculating the similarity; Generating information about the appearance changed according to the ratio, and providing information on the health state of the user based on the generated information.

According to one disclosure, the insurance claim terminal 200 may receive an input for querying the insurance subscription details of the user from the user, and may directly receive the subscription insurance information of the user. According to one disclosure, the insurance claim terminal 200 may request insurance subscription details of the user from the insurance company server 100 using the insurance company account information received from the user. For example, the insurance claim terminal 200 may request insurance subscription details of a user while transmitting insurance company account information to the insurance company server 100.

According to one disclosure, the claim terminal 200 learns insurance information corresponding to disease name information, diagnosis name information, medical history information, medical treatment history information, prescription medicine information, and medical identification information related to medical identification information of the user. Based on the result, the first learning model may be acquired, and the benefit providing information and medication information to be provided to the user may be generated using the obtained first learning model.

According to one disclosure, the insurance claim terminal 200 may provide insurance provision information and medication information to a user generated by the first learning model, and provide a fee settlement screen for claiming insurance claims.

When the insurance claim terminal 200 receives fee payment information from the user according to one disclosure, the insurance claim terminal 200 generates a second learning model based on a result of learning advertisement information related to insurance provision information and medication information generated by the first learning model. The advertisement service to be provided to the user may be generated by using the acquired second learning model.

According to one disclosure, the insurance claim terminal 200 may transmit fee payment information to an insurance company server and a pharmaceutical company server, and provide an advertisement service to a user.

4 is a diagram illustrating the concept of a blockchain according to one disclosure.

4 is a diagram illustrating the concept of a blockchain used in the present invention.

Referring to FIG. 4, a blockchain widely known through bitcoin, etc., stores information by connecting blocks in units of blocks 2000. Briefly, each block 2000 includes a header 210 and a transaction 220, and the transaction 220 includes the transaction identifier 230, the IN area 240, and the OUT area 250. Include. Since the data structure of the blockchain is already known, a detailed description thereof will be omitted.

5 is a flowchart illustrating a user authentication method in a 'sink' mode according to one disclosure.

Insurance claim terminal 200 to authenticate the user, FIDO (Fast Identity Online) server 500, authentication application server 510, authentication service interworking server 520, block chain server 530, server 540 ) And the like. According to an embodiment, the configuration of the insurance claim terminal 200 may be modified in various forms.

When the user drives the insurance application 104, the insurance claim terminal 200 displays a login screen 600. On one side of the login screen there is a button that can act as a login for the account of the authentication application (102). When the user clicks the button, the insurance application 104 transmits a login request to the authentication application 102 (S500).

The authentication application 102 performs authentication through the FIDO server 500 (S502, S504). For example, the authentication application 102 displays a fingerprint authentication request screen on the user terminal, receives a user's fingerprint, and transmits the received fingerprint to the FIDO server 500, and the FIDO server 500 authenticates if the fingerprint is a registered fingerprint. Notify authentication application 102 of the result (eg, FIDO token). Although the present embodiment illustrates fingerprint authentication through the FIDO server 500 as a user authentication method, the present invention is not limited thereto and various conventional user authentication methods may be applied.

According to an embodiment of the present disclosure, the authentication application 102 may extract feature points of a face from an image of a face of the user and perform user authentication using the feature points of the face. The authentication application 102 transmits the feature points of the user's face to the FIDO server 500, and the FIDO server 500 determines whether the feature points of the user's face match the feature points of the registered user's face and authenticates the authentication points. The authentication application 102 may be notified of the success result (for example, the FIDO token). If the user authentication is successful, the authentication application 102 requests an authentication code to the authentication application server 510 (S506). The authentication code request may include an authentication success result (FIDO token) received from the FIDO server 500. The authentication application server 510 verifies the FIDO token, etc. included in the authentication code request through the FIDO server 500 at the request of the authentication code of the authentication application 102 (S508), and if the verification is successful, the authentication application 102. The authentication code request is transmitted to the authentication service interworking server 520 (S510).

The interlocking server 520 checks whether the personal information is agreed to the blockchain server 530 based on the identification information and the user identification information of the insurance claim terminal (S512). The identification information and the user identification information of the insurance claim terminal may be stored in advance in the insurance application and the authentication application, or may be input by the user through the user terminal.

 The blockchain server 530 searches the blockchain based on the kit value generated based on the identification information of the claim terminal and the user identification information, and checks whether there is a consent for providing the user's personal information to the claim terminal.

For example, since the consent of the personal information is stored in the block chain together with the first authentication identification information, the block chain server 530 blocks the kit value generated based on the identification information and the user identification information of the insurance claim terminal 200. The IN area of each block of the chain can be searched to determine whether there is a personal information agreement.

The blockchain server 530 generates an authentication code and delivers it to the authentication service interworking server 520 (S514). The authentication service interworking server 520 sends the received authentication code and personal information consent to the authentication application 102. Transfer (S516). If the personal information provision agreement for the insurance application 104 does not exist, the insurance claim terminal 200 displays a screen for the personal information provision agreement, and receives the personal information consent from the user linked server 520 It passes to the blockchain server 530 via (S518, S520). When the blockchain server 530 receives the consent of the personal information, the blockchain server 530 together with the first authentication identification information is stored in the block of the blockchain.

If there is a personal information agreement and receives an authentication code from the blockchain server 530, the authentication application 102 transmits the authentication code to the insurance application 104 (S522). The insurance application 104 requests an access token for accessing an insurance company server based on the authentication code (S524). The access token request is transmitted to the blockchain server 530 via the interworking server 520 (S526).

The blockchain server 530 generates the third authentication identification information and issues it as an access token (S528). The access token is transferred to the insurance application 104 via the interworking server 520 (S530). When the issuance of the normal access token is completed, a login success message may be displayed on the user terminal. The insurance application 104 may use various services such as inquiry of desired information by accessing the insurance company server 100 using the access token after issuing it.

According to an embodiment, if the insurance application 104 installed in the insurance claim terminal 200 first accesses the insurance company server 100, the insurance company server 100 may determine whether to agree to the pharmacy membership agreement. Or to the user terminal 300.

In another embodiment, the insurance application 104 may request and receive personal information of a user. That is, the user transmits a personal information request through the insurance application 104 (S532). The privacy request includes an access token issued by the insurance application 104.

The interlocking server 520 verifies whether the access token included in the personal information request is normally issued through the blockchain server 530, and also verifies whether there is a personal information agreement for the user who uses the corresponding claim terminal 200. (S534). If the verification is successful, the companion server 520 requests and receives the user's personal information stored in the server 540 (S536, S538), and delivers it to the insurance application 104 (S540). The personal information inquiry process (S532, S534, S536, S538) of the present embodiment may be omitted according to an embodiment.

6 is a diagram showing the configuration of a claim terminal according to one disclosure.

According to one disclosure, there is provided a claim terminal 200 including a processor 1300 and a memory storing instructions executable by the processor 1300, wherein the processor 1300 according to one disclosure executes instructions, Extract user identification information and medical identification information from the claim proof information, generate corresponding claim information from the user identification information and medical identification information, and output a request to pay the fee corresponding to the claim information on the screen. In response to the response for obtaining the fee through the claim terminal, the claim information is transmitted to the insurer server, the interest of the user is obtained based on the user identification information, and the pre-stored advertisement contents are stored in accordance with the interest of the user. Create a priority, and sequentially order a plurality of advertising content according to the priority The receipt can be output through the display unit upon completion of the step of exposing and transmitting the insurance claim information.

According to one disclosure, the processor 1300 checks the number of claims received at predetermined intervals, and if the number of claims is not exceeding a predetermined threshold, at least one other claim terminal 200 through the blockchain. At least one other claim terminal by executing a sync mode for synchronizing the real-time data with the real time data, and executing an un-sync mode when the number of claims is exceeded a predetermined threshold. Data synchronization with 200 may be deactivated.

According to one disclosure, the processor 1300 automatically authenticates user identification information using a blockchain in order to synchronize real time data with at least one other claim terminal 200 in a sink mode, and the processor 1300 For the automatic authentication of the user identification information, generates the first authentication identification information based on the identification information of the claim terminal and the user identification information, and includes the first authentication identification information in the IN area of the transaction and claim A block containing the terminal identification information, the user identification information, and whether to agree the personal information in the OUT area of the transaction is stored in the blockchain, the second authentication identification information is generated based on the first random number, and the second A block including authentication identification information in the IN area of the transaction and including identification information and user identification information of the insurance claim terminal in the OUT area of the transaction. Store in the blockchain, issue the second authentication identification information as an authentication code, generate third authentication identification information based on the second random number, and include the third authentication identification information in the IN area of the transaction; A block containing the identification information and the user identification information of the insurance claim terminal in the OUT area of the transaction is stored in the blockchain, the third authentication identification information is issued as an access token, and the personal information of the insurance application of the user terminal. The blockchain is searched based on the identification information and the user identification information of the insurance claim terminal included in the request to confirm whether the personal information corresponding to the first authentication identification information and the third authentication identification information are agreed and the access token, and the personal information consent. And if there is an access token, insurance of personal information can be provided.

Further, according to one disclosure, the processor 1300 is based on the identification information and the user identification information of the insurance claim terminal included in the authentication code request of the insurance application of the user terminal, in order to issue the third authentication identification information to the access token. The blockchain may be searched to determine whether to agree to the personal information corresponding to the first authentication identification information, and if there is a personal information agreement, the second authentication identification information may be transmitted to the insurance application.

According to one disclosure, the insurance claim terminal 200 operates based on a first blockchain using a first cryptocurrency and operates on a second blockchain using a second cryptocurrency ( 200).

According to one disclosure, in the sink mode, the processor 1300 may receive the first insurance claim information of the user, the second insurance claim information of the user from the second insurance claim terminal 200, and the first insurance claim information of the second insurance claim information. Obtain the first transaction information requesting the summation, the second transaction information requesting the sum of the first claim information to the second claim information, and the first transaction information is agreed between the insurance claim terminal 200 and the insurance company server. If the conditions are met, the digital signature is subordinate to the validity of the second transaction information to add the second claim information to the first claim information and to prove the terms of the agreement to the first claim information with the added second claim information. Can be added and transmitted to the node on the network of the first blockchain.

According to one disclosure, the processor 1300 calculates a first hash value by applying a hash function to the first claim information to which the second claim information is added, and identifies the user's identification information and the claim claim terminal 200. Encrypting the first hash value using the identification information and the identification information of the second claim terminal 200, thereby generating a first password representing the digital signature of the first transaction information, and adding the second claim information. The first cryptogram and the first claim information may be transmitted to a node on the network of the first blockchain.

The receiving of the user identification information from the user may include: recognizing the face of the user, receiving face identification information of the user, receiving fingerprint information of the user, receiving ID / PW information of the user, and the user Receiving the claim claim proof of information, may include at least one of.

By one disclosure, the insurance claim proof information of the user is included in the electronic code attached to at least one of the medical certificate, medical card and prescription, the electronic code attached to the insurance certificate, the electronic code, barcode, QR code, NFC tag, image It may include at least one of the tags.

According to one disclosure, the processor 1300 may use the identification information of the user obtained from the insurance claim proof information of the user, the family history of the user, the insurance information of the user, the insurance information of the family of the user, the insurance amount of the user The control unit may determine whether the medical diagnosis contents of the user may be covered by the insurance of the user, and control to display whether the medical diagnosis contents of the user are covered by the insurance.

According to one disclosure, the processor 1300 receives a user input for selecting an advertisement service provided to a user, transmits information related to the selected advertisement service to a user terminal, and provides a server related to an advertisement service. The identification information of the user can be transmitted.

According to one disclosure, the processor 1300 acquires a second learning model based on a result of learning a user's interest related to insurance coverage information and medication information using a current learning model, Recurrent Neural Network (RNN). The advertisement text to be provided to the user may be determined using the second learning model.

7 is a block diagram showing a detailed configuration of a claim terminal according to one disclosure.

As shown in FIG. 7, the insurance claim terminal 200 according to an exemplary embodiment may include a controller 1300, a communication unit 1500, and a memory 1700. However, not all of the components shown in FIG. 8 are essential components of the insurance claim terminal 200. The claim terminal 200 may be implemented by more components than those illustrated in FIG. 8, and the claim terminal 200 may be implemented by fewer components than those illustrated in FIG. 7.

For example, as shown in FIG. 7, the insurance claim terminal 200 according to an embodiment may include a user input unit 1100 and an output unit (in addition to the control unit 1300, the communication unit 1500, and the memory 1700). 1200, the sensing unit 1400, and the A / V input unit 1600 may be further included.

For example, the claim terminal 200 according to an embodiment may be a board for a claim terminal for the control unit 1300, the communication unit 1500, and the memory 1700, and according to an embodiment of the claim terminal ( 200 may further include at least one of a user input unit 1100, an output unit 1200, a sensing unit 1400, and an A / V input unit 1600 in addition to the control unit 1300, the communication unit 1500, and the memory 1700. It may be a claim claim terminal including.

The user input unit 1100 means a means for a user to input data for controlling the insurance claim terminal 200. For example, the user input unit 1100 includes a key pad, a dome switch, a touch pad (contact capacitive type, pressure resistive layer type, infrared sensing type, surface ultrasonic conduction type, and integral type). Tension measurement method, piezo effect method, etc.), a jog wheel, a jog switch, and the like, but are not limited thereto.

The user input unit 1100 may receive a user input for inputting a user to control an operation of a module installed in the insurance claim terminal.

The output unit 1200 may output an audio signal, a video signal, or a vibration signal, and the output unit 1200 may include a display unit 1210, an audio output unit 1220, and a vibration motor 1230. have. In one embodiment, the output unit 1200 may output a notification message in the form of audio, video, and / or vibration.

The display unit 1210 displays and outputs information processed by the insurance claim terminal 200.

The sound output unit 1220 outputs audio data received from the communication unit 1500 or stored in the memory 1700. In addition, the sound output unit 1220 outputs a sound signal associated with a function (for example, a call signal reception sound, a message reception sound, and a notification sound) performed in the insurance claim terminal 200. For example, the sound output unit 1220 may output an alarm sound for notifying that an event has occurred.

The controller 1300 generally controls the overall operation of the insurance claim terminal 200. For example, the controller 1300 executes programs stored in the memory 1700, such that the user input unit 1100, the output unit 1200, the sensing unit 1400, the communication unit 1500, and the A / V input unit 1600 are provided. ) Can be controlled overall. In addition, the controller 1300 may perform a function of the insurance claim terminal 200 by executing programs stored in the memory 1700. The controller 1300 may include at least one processor. The controller 1300 may include a plurality of processors or one processor in an integrated form according to its function and role. In an embodiment, the controller 1300 may include at least one processor configured to provide a notification message by executing at least one program stored in the memory 1700.

The sensing unit 1400 may detect a state of the insurance claim terminal 200, a state of a user, or a state around the insurance claim terminal 200, and transmit the detected information to the controller 1300.

The sensing unit 1400 may include a geomagnetic sensor 1410, an acceleration sensor 1420, a temperature / humidity sensor 1430, an infrared sensor 1440, a gyroscope sensor 1450, and a position sensor. (Eg, GPS) 1460, barometric pressure sensor 1470, proximity sensor 1480, and RGB sensor (RGB sensor) 1490, but are not limited thereto. Since functions of the respective sensors can be intuitively deduced by those skilled in the art from the names, detailed descriptions thereof will be omitted.

The communicator 1500 may include one or more components that allow the insurance claim terminal 200 to communicate with another insurance claim terminal (not shown) and the server 2000. For example, the communicator 1500 may include a short range communicator 1510, a mobile communicator 1520, and a broadcast receiver 1530. Another claim terminal (not shown) may be a computing device or a sensing device, but is not limited thereto. Also, for example, the other claim terminal may be a claim terminal installed in the other claim pharmacy to synchronize in real time or non-real time using the claim terminal 200 and the blockchain.

The short-range wireless communication unit (15500) 1510 includes a Bluetooth communication unit (500), a Bluetooth Low Energy (BLE) communication unit (1500), a near field communication unit (1500), and a WLAN ( Wi-Fi communication unit 1500, Zigbee communication unit 1500, infrared data association (IrDA) communication unit 1500, WFD (Wi-Fi Direct) communication unit 1500, UWB (ultra wideband) communication unit 1500 , Ant + communication unit 1500, and the like, but is not limited thereto.

The mobile communication units 1500 and 1520 transmit and receive wireless signals with at least one of a base station, an external terminal, and a server on a mobile communication network. Here, the wireless signal may include various types of data according to transmission and reception of a voice call signal, a video call call signal, or a text / multimedia message.

The broadcast receiving unit 1530 receives a broadcast signal and / or broadcast related information from the outside through a broadcast channel. The broadcast channel may include a satellite channel and a terrestrial channel. According to an implementation example, the insurance claim terminal 200 may not include the broadcast receiver 1530.

In an embodiment, the communication unit 1500 may receive a video sequence including a plurality of frames from a camera installed in the insurance claim terminal. In one embodiment, the communication unit 1500 may transmit a command for controlling the operation of the module installed in the claim terminal to the module installed in the claim terminal.

The A / V input unit 1600 is for inputting an audio signal or a video signal, and may include a camera 1610 and a microphone 1620. The camera 1610 may obtain an image frame such as a still image or a moving image through an image sensor in a video call mode or a photographing mode. The image captured by the image sensor may be processed by the controller 1300 or a separate image processor (not shown). For example, the image captured by the camera 1610 may be used as information for determining whether an event has occurred.

The microphone 1620 receives an external sound signal and processes the external sound signal into electrical voice data. For example, the microphone 1620 may receive an acoustic signal from an external claim terminal or a user. The microphone 1620 may use various noise removing algorithms for removing noise generated in the process of receiving an external sound signal.

The memory 1700 may store a program for processing and controlling the control unit 1300, and may store data input to the insurance claim terminal 200 or output from the insurance claim terminal 200.

The memory 1700 may be a flash memory 1700 type, a hard disk type, a multimedia card micro type, a card type memory 1700 (e.g., SD or XD memory (1700), etc.), Random Access Memory (RAM), Static Random Access Memory (SRAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EPM), Programmable Read- Only memory), magnetic memory 1700, magnetic disk, optical disk may include at least one type of storage medium.

Programs stored in the memory 1700 may be classified into a plurality of modules according to their functions. Here, the plurality of modules refers to a module that is functionally operated as software rather than hardware. For example, a UI module ( 1710, the touch screen module 1720, the notification module 1730, and the like.

The UI module 1710 may provide a specialized UI, GUI, or the like that is linked to the insurance claim terminal 200 for each application. The touch screen module 1720 may detect a touch gesture on a user's touch screen and transmit information about the touch gesture to the controller 1300. The touch screen module 1720 according to an embodiment may recognize and analyze a touch code. The touch screen module 1720 may be configured as separate hardware including a controller.

The notification module 1730 may generate a signal for notifying occurrence of an event. The notification module 1730 may output a notification signal in the form of a video signal through the display unit 1210, may output the notification signal in the form of an audio signal through the sound output unit 1220, and the vibration motor 1230. Through the notification signal may be output in the form of a vibration signal.

FIG. 8 is an exemplary view illustrating an I-Shaped Extended Curvature Gabor Classifier Bunch group, and FIG. 9 is an exemplary view illustrating a characteristic of a curved Gabor filter.

As shown in Fig. 8A, one eye (I) -type extended Gabor filter group has 12 curved Gabor filters G = with 3 Gaussian widths (σ) and 4 curvatures (c). {g (σ1, c1), g (σ2, c2), g (σ3, c3), g (σ4, c4), g (σ5, c5), ..., g (σ12, c12)}.

In one I-type extended Gabor filter group, the curvature has four values of c = {0.0, 0.05, 0.1, 0.2} and the Gaussian width is one of σ = {0.5π, π, 2π} has a value of σ = {π}.

Thus, the twelve curved Gabor filters have eight directionalities as shown in FIG. 9A when the curvature is c = {0.0} (that is, a straight line), and the curvature is larger than c = {0.0} ( That is, the curve) has 16 directionalities of mu = {0, 1, 2, ..., 15} as shown in FIG.

This eye-shaped extended curved Gabor filter group arranges 12 curved Gabor filters along a row with respect to curvature c and rows with a Gaussian width σ. After arranging accordingly, as shown in FIG. 4B, four curved Gabor filters forming an “I” type are filtered.

These four " I " curved Gabor filters are four curved Gabor filters with a curvature of c = {0, 0.05, 0.1, 0.2} when the Gaussian width is σ = {π}.

As a result, while achieving a certain level of face recognition rate, it is possible to drastically reduce the calculation amount, improve the speed, and obtain more stable face recognition performance than the case of using all 12 curved Gabor filters. have.

This grouping of features of the curved Gabor filter facilitates the extension of the curved Gabor filter by reducing the dimension of the input values for subsequent Linear Discriminant Analysis (LDA) operations.

For example, by increasing the number of curved gabor filters to be used by varying the Gaussian width and curvature, the number of features in the face image can be increased, but by grouping the features to lower the dimension of the input value, the burden of learning LDA is reduced. You can. It is also useful for improving LDA learning.

The insurance claim terminal 200 performs a linear discriminant analysis (LDA) operation using an I-type extended curve Gabor filter group as an input value.

In this case, the insurance claim terminal 200 performs the LDA operation independently for each of the eye (I) -type extended curve Gabor filter group.

To this end, the insurance claim terminal 200 may include a plurality of linear discrimination analysis processing unit (not shown), and each LDA operation for one I-type extended curve Gabor filter group for each linear discrimination analysis processing unit. Perform.

Accordingly, the insurance claim terminal 200 outputs a plurality of linear discrimination analysis results (ie, basis vectors) for one sub-image, and generates an observation node based on the output of the plurality of linear discrimination analysis results. , Output the created observation node.

The insurance claim terminal 200 projects the features (ie, feature vectors) of the I-type extended curve Gabor filter group for each sub-image to the basis vector. At this time, the projected vector becomes an observation node.

Insurance claim terminal 200 of the present embodiment generates approximately 2400 features for one sub-image.

Here, generating approximately 2400 features is more than twice as long as outputting approximately 1400 features, and performs better than outputting 1400 features and has less dispersion, resulting in a relatively stable face. Because it can be recognized. This was obtained by experiment.

Some embodiments may also be embodied in the form of a recording medium containing instructions executable by a computer, such as program modules executed by the computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may include a computer storage medium. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Further, in this specification, “unit” may be a hardware component such as a processor or a circuit, and / or a software component executed by a hardware component such as a processor.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Claims (12)

In the method of claiming claims using the claim terminal,
Obtaining insurance claim proof information from the claim related document or card using a reader;
Extracting user identification information and medical identification information from the insurance claim proof information;
Generating insurance claim information corresponding to the user identification information and the medical identification information, and outputting contents for requesting payment of a fee corresponding to the insurance claim information on a screen;
In response to obtaining a fee through the claim terminal, transmitting the claim information to an insurance company server;
Acquiring interests of a user based on the user identification information and generating priorities of a plurality of prestored advertisement contents according to the interests of the user;
Sequentially exposing the plurality of advertisement contents according to the priority; and
And outputting a claim claim receipt upon completion of the step of transmitting the claim information.
The claim terminal is operated based on a blockchain that stores the block containing the details of the claim for the insurance company server distributed among one or more nodes,
The claim terminal generates the first authentication identification information based on the identification information and the user identification information of the claim terminal for automatic authentication of the user identification information, and the first authentication identification information in the transaction (IN) area In the block chain, a block is included in the block and includes the identification information, the user identification information, and the personal information consent of the claim terminal in the OUT area of the transaction, and the second authentication identification information is based on the first random number. A block including the second authentication identification information in the IN area of the transaction and including the identification information and the user identification information of the claim terminal in the OUT area of the transaction; Issue the authentication identification information as an authentication code, generate the third authentication identification information based on the second random number, and include the third authentication identification information in the IN area of the transaction. Storing the block containing the identification information and the user identification information of the cracked charge terminal to the out (OUT) areas of the transaction in the block chain, and issues the third authentication information to identify the access token,
The insurance claim terminal searches the blockchain based on the identification information and the user identification information of the claim claim terminal to confirm whether the personal information corresponding to the first authentication identification information and the third authentication identification information consent and access token, If there is a personal information agreement and an access token, the user identification information is provided to the insurance company server.
Obtaining a medical record of the user from the user identification information,
Acquiring a medical record of the user,
It does not communicate with the server of the medical institution, characterized in that the medical records of the user is obtained from the accumulated database,
In addition to the medical record of the user, information related to disease name information, medical diagnosis name information, medical history information of the user, medical activity history information to the user, treatment history information to the user and information related to the medicine prescribed by the user At least one of
Further comprising a guarantee information generation module for generating a guarantee information indicating whether the user can cover the diagnosis contents in the insurance information subscribed to the family of the user, the user can easily establish a family insurance plan,
The at least one node means each of a plurality of claims terminal installed in a plurality of pharmacies,
The insurance claim terminal checks the number of claims for the insurance company server every predetermined period,
When the number of claims is not exceeding a predetermined threshold, a block is generated by executing a sync mode for synchronizing real-time data with at least one other claim terminal through the blockchain,
When the number of claims claims exceeds a predetermined threshold, by performing an un-sync mode, by deactivating data synchronization with at least one other claim claim terminal to release the blockchain connection Insurance claim method to say.
The method of claim 1,
Acquiring the insurance claim proof information,
Reads an optical character reader (OCR) image of at least one of the user's medical certificate, medical card, prescription, and insurance policy, and reads the insurance contract information, personal characteristics information, medication information, and medical treatment information from the read OCR information. Obtaining at least one claim.
The method of claim 1,
Obtaining the claim claim proof information, is obtained by recognizing the electronic code attached to the medical certificate, medical card, prescription, insurance certificate of the user,
The electronic code, characterized in that it comprises at least one of a barcode, QR code, NFC tag, image tag, insurance claim method.
delete delete The method of claim 1,
The claim claim terminal,
Using the electronic coin stored in the electronic wallet of the user, characterized in that for automatically paying the fee,
The electronic coin is a claim claim server, pharmacy payment terminal and a plurality of claims, characterized in that the plurality of claims that are available in the claim terminal installed in the pharmacy, claims claim method.
The method of claim 6,
When the fee is automatically paid from the balance of the user's electronic wallet, receiving details of the fee, the balance information of the electronic wallet and the details of the claim at the terminal of the user; further comprising the claim claim .
The method of claim 1,
Obtaining a user's response to the exposed plurality of advertisement contents;
Outputting detailed advertisement information corresponding to the advertisement content in response to the user on a screen;
Transmitting information about the user's response to an advertiser server;
And modifying priorities of the plurality of advertisement contents by reflecting the user's response.
The response of the user may include any one of a user input for selecting one of the plurality of advertisement contents, a time for watching advertisement contents, and a user input for skipping advertisement contents.
The method of claim 8,
And receiving information about the selected advertisement content at the user's terminal in response to a user input for selecting one of the plurality of advertisement contents.
The terminal of the user, claim claim, characterized in that the user terminal linked to at least one of the user's telephone number, SNS account, E-mail, insurance application, insurance company account extracted from the obtained user identification information, .
The method of claim 1,
Obtaining a plurality of images of the face of the user;
Performing eye (I) -shaped curve Gabor filtering on the plurality of images to generate feature vectors of the plurality of images, respectively, and generating face recognition information of the user based on the feature vectors;
Calculating similarity by comparing the generated face recognition information of the user with previously recognized face recognition information of the user; and
Generating information on the appearance changed according to the calculated ratio of similarity, and providing information on the health state of the user based on the generated information.
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