KR102203698B1 - Apparatus for One Stop Service of Damage Recovery and Driving Method Thereof - Google Patents

Abstract

The present invention relates to a one-stop service device for damage recovery, and a driving method thereof. According to an embodiment of the present invention, the one-stop service device for damage recovery may comprise: a communication interface unit which receives a request for a total care service that connects an insurance company, a loss adjuster, and a recovery construction company involved in the damage in a one-stop manner from a user terminal device of a victim who suffers a property loss; and a control unit which determines a recovery range with a damage adjuster device based on damage-related basic information provided from the user terminal device based on the received request, provides a recovery plan and an estimate for construction of the recovery construction company to the user terminal device when the recovery range is determined, enables the victim, the insurance company, and the recovery construction company to coordinate opinions and determine construction costs, a construction scope, and construction materials through a group room, and handles the progress of recovery construction, insurance claims, and payment of the construction costs. According to the present invention, damage recovery can be quickly and easily conducted.

Description

Damage recovery one-stop service device and its driving method {Apparatus for One Stop Service of Damage Recovery and Driving Method Thereof}

The present invention relates to a one-stop service device for damage recovery and a method of operating the device, and in more detail, when a large or small fire occurs in buildings such as apartments, shopping centers, offices, factories, officetels, houses, warehouses, etc. A one-stop service device for damage recovery and operation of the device that can handle all services at once, such as selecting a rapid recovery construction company through (Web) or an application, proceeding with recovery work, claiming and receiving insurance money, and paying for construction costs. It's about how.

There are various causes of fire such as electric short circuit or short circuit, ignition of combustible materials due to carelessness, and fire. Fires often occur in dry winters or early spring, but it is correct to say that fires can be anytime and anywhere. There are many causes of fire, but fires that cause serious personal injury must be viewed differently. Even though it was possible to minimize the damage to people with a little attention, it is also a talent in that the damage occurred. There have been 42,206 fires a year on average over the past three years, and the number of deaths and injuries is 332 and 2,103, and the amount of property damage reaches 625.3 billion won, and the amount of damage is increasing with each year. By the way, such a fire is also a problem, but the problem of restoration is also difficult. Of course, most of the building owners will have one or two fire insurance for their buildings, so even if they can protect their financial aspects through this, there are too many areas to pay attention to how to build a new building and how to demolish it.

From this point of view, even if an emergency occurs due to a fire, there is a desperate need in the market for a recovery system that allows companies to easily recover through communication with victims by taking care of all business parts related to building fires. have.

In other words, one-stop total care service for complete recovery by standing on the victim's side from start to finish with dedication, passion, and trust to heal the victims' precious homes and wounds caused by fires and disasters. -Stop Total Care Service), through an organic network of experts in each process, realization of the fastest and most complete recovery, and development of a system that can include post-recovery management and even fire prevention is urgently required.

Korean Patent Application Publication No. 10-2017-0079436 (2017.07.10) Korean Patent Application Publication No. 10-2015-0100336 (2015.09.22) Korean Patent Publication No. 10-2028490 (2019.09.27)

In an embodiment of the present invention, when a large or small fire occurs in buildings such as apartments, shopping malls, offices, factories, officetels, houses, warehouses, etc., the victim directly selects and restores a rapid recovery construction company through the web or application (or app). Its purpose is to provide a one-stop service device for damage recovery that can handle all services such as construction progress, insurance claim and receipt, and payment of construction costs at once, and a method of driving the device.

The damage recovery one-stop service device according to an embodiment of the present invention receives a request for a total care service connecting one-stop insurance companies, damage adjusters, and recovery construction companies related to the damage from the user terminal device of the victim who suffered property loss. Based on the communication interface unit and the received request, based on the basic information related to the damage provided from the user terminal device, the damage adjuster and the recovery range are determined, and when the recovery range is determined, the recovery plan of the recovery construction company And construction cost estimates are provided to the user terminal device, and the victim, insurance company, and recovery construction company coordinate their opinions through a group room to determine the construction cost, construction scope, and construction materials, proceed with restoration work, claim insurance, and pay construction cost. It includes a control unit for processing.

When the restoration range is determined, the control unit generates a list of a plurality of restoration construction companies selectable by the victim and provides them to the user terminal device, and the restoration received from the restoration construction company selected by the victim on the list Planning and construction cost estimates can be provided to the user terminal device.

The control unit may provide, in the list, a restoration construction company that satisfies a specified condition with respect to the construction performance, financial condition, administrative sanctions, and tax arrears of the restoration construction company participating in the service.

The control unit may automatically generate the group room when a restoration construction company is finally selected based on the restoration plan and construction cost estimate.

When it is determined that the victim is not insured based on the basic information, the control unit may further determine the asset status or credit status of the victim and determine the recovery range according to the determination result.

The control unit may record the progress related to the damage recovery in the group room, and at least record construction contract details and escrow type construction cost payment information.

The control unit may generate location information on the damaged location based on the basic information and provide it to the drone device, and receive a photographed image of the damaged location photographed by the drone device and further use it when determining the recovery range. .

In addition, the driving method of the damage recovery one-stop service device according to an embodiment of the present invention, the communication interface unit, from the user terminal device of the victim suffering property loss, one-stop insurance companies, damage adjusters and recovery construction companies related to the damage. Receiving a request for a total care service to be connected, and a controller, based on the received request, determine a damage adjuster device and a recovery range based on basic information related to the damage provided from the user terminal device, and the When the restoration scope is determined, the restoration plan and construction cost estimate of the restoration construction company is provided to the user terminal device, and the victim, insurance company, and restoration construction company coordinate their opinions through a group room to determine the construction cost, construction scope, and construction materials. , Restoration work, insurance claim and construction cost payment.

The processing includes: when the recovery range is determined, a list of a plurality of recovery construction companies selectable by the victim is generated and provided to the user terminal device, and the recovery construction company selected by the victim on the list It may include the step of providing the recovery plan and construction cost estimate received from the user terminal device.

The processing may include, in the list, a restoration construction company that satisfies a specified condition in relation to the construction performance, financial condition, administrative sanctions, and tax arrears of the restoration construction company participating in the service.

The processing step may automatically generate the group room when a restoration construction company is finally selected based on the restoration plan and construction cost estimate.

In the processing, when it is determined that the victim is not insured based on the basic information, the asset status or credit status of the victim may be further determined, and the recovery range may be determined according to a determination result.

In the step of processing, the progress related to the damage recovery may be recorded in the group room, and at least the contents of the construction contract and the payment information for the construction cost of the escrow method may be recorded.

In the processing step, location information on the damaged location is generated based on the basic information and provided to the drone device, and a photographed image of the damaged location photographed by the drone device is provided and further used when determining the recovery range. I can.

According to an embodiment of the present invention, for example, in the case of a building fire, when a victim applies for damage recovery online, the companies involved in the damage recovery work in conjunction with each other to process the damage from the damage calculation to the restoration of the building in one stop. The recovery could be done very quickly and easily.

In addition, since the fire victim directly inputs the damage situation, damage scale, fire site address and insurance coverage, etc., it will be possible to minimize the efforts of sales activities related to the damage recovery work due to the confirmed case of fire and damage.

Furthermore, it is possible to improve the quality of restoration work by selecting the relevant region and selectable construction company, minimizing economic loss and restoring mind and body through quick restoration of valuable homes, and in case of subscribing to fire insurance, victims It will be possible to minimize the economic burden of the company, realize rapid and complete recovery, follow-up management after recovery, and even prevent fire.

1 is a diagram showing a damage recovery one-stop service system according to an embodiment of the present invention;
2 is a diagram schematically showing the service process of FIG. 1;
3 is a block diagram illustrating a detailed structure of the damage recovery one-stop service device of FIG. 1;
4 is a diagram showing a one-stop service process for damage recovery according to an embodiment of the present invention;
5 is a flow chart showing a driving process of a one-stop service device for damage recovery according to an embodiment of the present invention, and
6 to 8 are diagrams for explaining a part of a service screen according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the drawings.

1 is a diagram showing a one-stop service system for damage recovery according to an embodiment of the present invention, and FIG. 2 is a diagram schematically illustrating the service process of FIG. 1.

1, the damage recovery one-stop service system 90 according to the embodiment of the present invention includes a user terminal device 100, a communication network 110, a damage recovery one-stop service device 120, and a damage assessment device 130. ), including some or all of the insurance company device 140 and the recovery construction company device 150, and may further include a financial institution device.

Here, "including some or all" means that some components such as a financial institution device are omitted to configure the damage recovery one-stop service system 90, or some or all of the components such as the damage recovery one-stop service device 120 It will be described as including all in order to help a sufficient understanding of the invention as meaning that can be configured by being integrated into a network device (eg, a wireless switching device, etc.) constituting the communication network 110.

The user terminal device 100 may refer to a terminal device of a victim who has suffered fire damage to buildings such as apartments, shopping malls, offices, factories, officetels, houses, and warehouses. Accordingly, the user terminal device 100 may be referred to as a victim terminal device. However, here, the victim may mean the owner of the building, but the target using the service may not necessarily be the victim's terminal device, but may be his family or acquaintance, so the embodiment of the present invention is intended to more broadly understand the meaning of the victim. do. It would be more appropriate to use the name "user" in this sense.

The user terminal device 100 is provided by the one-stop service device 120 for recovering damage by accessing wired and wireless Internet such as a desktop computer, a laptop computer, a tablet PC, a smartphone, a smart TV, and a wearable device such as a domestic company S company. It is enough if one-stop total care service is available. Here, "One-Stop" means solving various tasks with one (site) visit. Of course, an artificial intelligence (AI) speaker may be further included as a peripheral device interlocking with such a device. When accessing the damage recovery one-stop service device 120 with a (PC), it can be seen that a web-based service is provided, and a mobile-based device such as a smartphone can be viewed as receiving an app-based service. Mobile-based programs are programs designed to be optimized for mobile, and services such as real-time notification talk can be additionally provided.

The victim's user terminal device 100 accesses the one-stop service provided by the damage recovery one-stop service device 120, and of course, membership registration or authentication procedures may be performed first, but above all, the user inputs basic information related to a building fire. can do. For example, as basic information, as shown in FIG. 2, the damage situation on the site may be provided as a picture, and the site address, and, if there is an insurance policy, the contents of the insurance policy, etc. may be provided. Of course, only the photos of the damage situation can be viewed and the scale of the damage can be determined by the damage recovery one-stop service device 120, but the victim may provide information related to the damage scale as basic information in the form of financial information. Of course, it is also possible to provide more information on the extent of the damage and the course of the accident.

In this way, if the user terminal device 100 accesses the service and provides basic information related to the damage, the subsequent procedure is to assess the damage on the scale of damage through the service provided by the damage recovery one-stop service device 120, In addition, as the scope of restoration is determined, you can receive the restoration plan and construction cost estimate of the restoration construction company, and you can coordinate opinions on the construction cost, construction scope, and construction materials used by insurance companies or restoration construction companies. Of course, it can be seen that these series of operations are performed through the user terminal device 100. In addition, the user terminal device 100 may perform recovery work after the recovery work schedule is negotiated, (fire) insurance claim and construction cost payment, and further follow-up management and fire prevention education, etc. may be performed through the user terminal device 100 of the victim.

For example, the user terminal device 100 may receive a list of construction companies provided by the damage recovery one-stop service device 120 based on basic information provided by the user terminal device 100. Of course, here the list of construction companies is that the victim, the user, can access the damage recovery one-stop service device 120 and select the company they want by searching for a construction company, but rather, when providing basic information, the damage recovery one-stop service device is based on this. It is preferable that the service device 120 automatically selects and recommends a plurality of construction companies. To this end, the damage recovery one-stop service device 120 may check various data related to the victim based on the victim's basic information, and recommend an appropriate company based on this.

When there is a recommendation from an appropriate company, the user terminal device 100 may select a company related to construction, including the demolition of a building through this, and may receive a recovery plan or a construction cost estimate provided from the selected company. Through this process, problems related to the dismantling of fire buildings or construction of new buildings can be solved. Of course, in this step, the user terminal device 100 may be directly provided with a recovery plan and a construction cost estimate of a construction company directly selected by the damage recovery one-stop service device 120, so in the embodiment of the present invention, it is specifically limited to any one form. I won't.

In addition, in this process, the user terminal device 100 suffers damage when a recovery construction company selected through the above procedure is selected, for example, the insurance company that has subscribed to fire insurance, the insurance company's loss adjuster (or damage adjuster). Through the group room (or chat room) automatically generated by the recovery one-stop service device 120, it is possible to discuss, coordinate, or proceed with subsequent tasks. Typically, it can be coordinated with respect to the construction cost and scope of construction of victims, insurance companies, and restoration companies, and materials used for construction. Of course, in this process, the user terminal device 100 may perform a separate phone call. In addition, the user terminal device 100 may receive various contents related to the progress of the restoration work, and may also perform tasks such as claiming insurance money and paying construction cost. Of course, claim documents can be sent through the group room, and construction cost payments can be transferred through the bank and the supporting data can be uploaded through the group room.

If it is determined that the victim has not purchased separate insurance, the cost-related information may be discussed with the person in charge of the financial institution (eg, loan account). Of course, it may be possible through a financial institution device connected to the damage recovery one-stop service system 90 according to an embodiment of the present invention. For example, you can check the status of the victim's assets from companies that provide information related to real estate or movable property, and if you do not have such assets, you can proceed with a loan with a financial institution. Of course, this process can be done automatically by setting the process during program development. In other words, if there is no insurance policy content, the damage recovery one-stop service device 120 automatically checks the victim's assets and inquires for a loan to an affiliated financial institution, which can wait only for the victim's answer or choice. will be.

In this way, if the victim provides basic information related to the damage of a building fire, the damage recovery one-stop service device 120 provides only the opinions or answers they want as requested, so that the situation can be quickly resolved. . And, such a process can be used when providing services to other victims in the future by becoming data. In addition, in order to reduce the financial friction with the restoration construction company, the user terminal device 100 uses an escrow service to avoid unfavorable work that may occur due to construction when it is necessary to handle construction costs without insurance. It can be prevented in advance. For example, if the user does not provide information related to insurance policies, check this, confirm that the construction is underway in the damage recovery one-stop service device 120, and post a standard contract on whether to use the escrow service, etc. You can give it, and when the contract is completed, you can ask in the form of a pop-up window to use the escrow service. These processes remain on the basis of the group room, and can be usefully utilized in case of a legal dispute over construction costs in the future. Other details will be covered later.

The communication network 110 includes all wired and wireless communication networks. For example, as the communication network 110, a wired or wireless Internet network may be used or interlocked. Here, the wired network includes an Internet network such as a cable network or a public telephone network (PSTN), and the wireless communication network includes CDMA, WCDMA, GSM, Evolved Packet Core (EPC), Long Term Evolution (LTE), and Wibro networks. It is meant to include. Of course, the communication network 110 according to an embodiment of the present invention is not limited thereto, and may be used, for example, a cloud computing network or a 5G network under a cloud computing environment. For example, if the communication network 110 is a wired communication network, the access point in the communication network 110 can be connected to the switching center of the telephone office, but in the case of a wireless communication network, data is accessed by accessing SGSN or GGSN (Gateway GPRS Support Node) operated by the communication company. Alternatively, data can be processed by accessing various repeaters such as BTS (Base Station Transmission), NodeB, and e-NodeB.

The communication network 110 may include an access point. Here, the access point includes a small base station such as a femto or pico base station that is frequently installed in a building. Femto or pico base stations are classified according to how many user terminal devices 100 and the like can be accessed due to the classification of small base stations. Of course, the access point may include a short-range communication module for performing short-range communication such as Zig-bee and Wi-Fi with the user terminal device 100. The access point may use TCP/IP or Real-Time Streaming Protocol (RTSP) for wireless communication. Here, short-range communication may be performed in various standards such as Bluetooth, Zigbee, infrared, radio frequency (RF) such as ultra high frequency (UHF) and very high frequency (VHF), and ultra wideband communication (UWB) in addition to Wi-Fi. Accordingly, the access point can extract the location of the data packet, designate the best communication path for the extracted location, and deliver the data packet to the next device, such as the damage recovery one-stop service device 120, along the designated communication path. . The access point can share several lines in a general network environment, and includes, for example, a router, a repeater, and a repeater.

The damage recovery one-stop service device 120 may receive a request for a recovery service related to a building fire or a building collapse from the user terminal device 100 of the victim. If the victim accesses the damage recovery one-stop service device 120 through his or her user terminal device 100 and provides basic information related to the damage scale, it can be considered that the procedure for subsequent recovery is processed as one-stop based on this. have. Of course, the damage recovery one-stop service device 120 centrally processes all tasks. Therefore, the damage recovery one-stop service device 120 allows the damage assessor to determine the range of recovery related to the victim's building fire, and to this end, when the victim provides basic information, it is transmitted to the damage assessment device 130 of the designated damage assessor. I can. Of course, this is when the victim provides the contents of the insurance policy as basic information, the damage recovery one-stop service device 120 can check this and confirm the loss assessor of the insurance company. The adjuster may meet the victim offline and determine the extent of recovery.

The damage recovery one-stop service device 120 receives fire site address information as basic information from the victim. Therefore, based on this, the damage recovery one-stop service device 120 generates location information such as GPS coordinate values based on the address information of the fire site, transmits it to the drone device, and directs the drone device to the address of the fire site or disaster site. In other words, it can fly to the damaged location and shoot. Of course, this may be desirable to be done on the side of the damage adjusting device 130, but if the damage recovery one-stop service device 120 is operated, the captured image captured through the drone device is classified in the DB 120a in relation to the victim. After being stored, the photographed image can be transmitted to the damage adjusting device 130. In the case of sending the drone device to the corresponding place, in the case of the damage adjuster 130, by performing remote control, the drone can be easily controlled from a remote location without visiting the place directly to obtain desired information, that is, information necessary for damage assessment. You will be able to. As for the control command of the drone device, an artificial intelligence speaker or an app on a smartphone is executed, and the control operation can be easily performed as much as possible through voice recognition.

When the recovery range is determined through damage assessment, the damage recovery one-stop service device 120 may perform an operation to select a recovery construction company that will be in charge of the recovery work of the victim. Of course, when the recovery range is determined and data is received from the damage adjuster device 130, the damage recovery one-stop service device 120 can automatically select a recovery construction company based on this and provide it to the victim's user terminal device 100. have. It can be said that it is recommended. In order to recommend a construction company, the damage recovery one-stop service device 120 selects only construction companies that meet the standard conditions for minimizing friction that may occur due to the construction, and establishes a partnership in advance and can perform the service through this. For example, check the financial condition of the company, whether it has the minimum capital level for construction, and whether there are any administrative sanctions, how much construction performance, and tax arrears, and strict membership registration or cooperation. In conclusion, based on this, a construction company that fits the basic information of the victim can be recommended. It is also possible to use the evaluation information of victims who used the service in advance. However, since such evaluation information may be less reliable, it is possible to recommend a construction company by assigning a small weight. Such strict management strictly restricts the conditions of subscription as the area where a lot of conflict is caused is related to the construction, and instead, it allows sufficient expenses to be paid through a loss adjuster or insurance company.

Of course, when construction costs are paid through an insurance company, the question may be whether construction materials are being used corresponding to the paid construction costs. Therefore, the damage recovery one-stop service device 120 automatically creates a group room when a company to proceed with the construction is selected by the victim, and records all procedures related to the restoration work afterwards, and provides this to another victim in the future. It can be used as data to help. The damage recovery one-stop service device 120 automatically detects the ongoing procedure using deep learning of artificial intelligence (AI), and, for example, in the case of having to proceed with a financial loan because there is no insurance subscription, a specific financial institution It can be automatically connected to the person concerned. Of course, even in this situation, for example, when there is a phone call, the recorded file can be automatically uploaded to the group room. A financial institution's official can inquire about the victim's real estate or financial assets to inform them of necessary information. For example, if restoration work is possible through this, it can proceed with an escrow service to ensure transparent construction.

It can be seen that the damage recovery one-stop service device 120 is left as the basis of an online contract for each victim through an automatically generated group room. When a contract is made, a contract is posted through it, and both signs and restoration work can proceed, and the contract can be used as a standard contract related to restoration work. The standard contract can be created and provided electronically on the screen of a designated format rather than uploading it in the form of an existing pdf file. In addition, it is possible to make escrow transfer through a group room based on the contents of the payment for the construction cost. For example, if the victim transfers the construction cost to an escrow account, a record of this will be uploaded to the group room. In addition, the victim can inform the public that the payment has been made by calling an official of the construction company through a chat talk in the group room. When the construction company and the victim are determined that there is no problem with the construction in this manner, the money transferred to the escrow account can be automatically transferred to the account of the construction company if both parties sign again. .

In addition, the victim may claim insurance money from the insurance company through the service of the damage recovery one-stop service device 120, and for this purpose, documents may be automatically registered in the group room. Upon request, the insurance company or the victim may pay the construction cost. The construction cost will be automatically paid when the construction is approved through the signature of both parties after the construction is progressed according to the contents of the contract through escrow service as much as possible.

According to an embodiment of the present invention, the damage recovery one-stop service device 120 can be regarded as one group room for each victim. Any process that takes place in each victim's group room can be managed with useful data. Based on the identification information related to the user terminal device 100 of the victim, related data may be matched and systematically classified and stored in the DB 120a. For example, when such data is collected and accumulated, the damage recovery one-stop service device 120 may perform periodic analysis by executing an artificial intelligence program. Through this, evaluation of construction companies can be conducted. In other words, in the existing case, if the victim evaluated the construction company, such a separate evaluation process may be performed in the embodiment of the present invention, but this may be given less weight when recommended by the construction company, and above all, the subscription conditions are strictly Since most companies meet the basic level through this, the score can be calculated through data analysis such as conversation in a group room or feedback from construction companies. For example, when there is an inquiries from the victim, it can be determined by checking the time information whether the response was promptly answered, and whether there is a phrase related to a complaint or complaint from the victim through natural language analysis processing through artificial intelligence. I can.

In addition, in recent years, the technology and performance of fire prevention devices such as fire alarm devices and sprinklers, fire suppression devices, etc. have been improved, but in the past, fire alarm devices are sensitively reacted and fire reports are received or malfunctions are common. In addition, there are many cases where reports are reported only by smoke or burnt odor, and the amount of fire damage due to the use of high-rise, high-end and expensive materials is on the rise, and information on the fire site (e.g., correct address, damage scale, scope, etc.) is collected. This was difficult, and there were many difficulties in the division of equipment malfunctions and misunderstandings, as well as small and large sites. Furthermore, the fire site recognized through TV news, disaster information, and disaster prevention news, etc., includes a large number of small-scale fires such as misidentification reports, soot, and incineration when actually visiting the site, and the address is not clear in many cases. Since it was not possible to confirm the incident, the scale of damage, and whether or not to subscribe to fire insurance, the economic loss was large and the performance compared to the effort was very poor.

Accordingly, the damage recovery one-stop service apparatus 120 according to an embodiment of the present invention may perform a periodic monitoring operation related to fire based on address information of a building in case of a service subscriber. Data can be collected and based on this, fires can be prevented in advance. In addition, after a fire has occurred and recovery is complete, follow-up management and fire prevention training can be conducted. In the case of follow-up management, instead of performing a periodic monitoring operation for a member who has subscribed to the service as above, it is also possible to perform a monitoring operation on the victim's new building where damage has been restored. In addition, when there is an existing fire prevention image, etc., it may be provided to the aforementioned group room or transmitted to the user terminal device 100 of the victim. In addition, if an abnormal signal is detected through the monitoring operation, in other words, if accurate detection is difficult, a drone device can be sent to the location for observation, or, for example, related information can be transmitted to an affiliated firefighting company for confirmation. There will be.

The loss adjuster 130 may include a computer, a tablet PC, a smartphone, a wearable device, etc. of a loss adjuster participating in an insurance company or the like or in the form of an individual business operator. The damage adjusting device 130 may further include a drone device as mentioned above. Therefore, the damage adjuster using the damage adjuster 130 can determine the recovery range based on the basic information provided by the victim, but if there is difficulty in the determination, the drone device is sent to the corresponding area using a drone device. Shooting can be done. Of course, the damage recovery one-stop service device 120 may ask whether or not to use the drone device when requesting the damage assessment device 130 to determine the damage assessment, that is, the recovery range. Alternatively, when notifying a decision, a button may be created and provided on the screen to be called when the use of the drone device is required. Accordingly, when the damage adjuster presses the corresponding button, the damage recovery one-stop service device 120 may generate and provide the GPS coordinate value of the corresponding position to the drone device based on this, and move to the corresponding position to take a picture.

Based on this, in other words, the damage assessment device 130 may determine a recovery range based on additional data obtained through a drone device or the like, and provide related data to the damage recovery one-stop service device 120. The provided related data may be stored in the DB 120a, and the damage recovery one-stop service device 120 may provide the related data to the insurance company device 140. Related data can be recorded in the group room.

When the insurance company device 140 inputs and provides the insurance policy information when providing basic information, the insurance company device 140 can notify the victim that there has been a building fire and that there is an insurance claim. have. Of course, since the loss adjuster may work within the insurance company, in this case, the data can be shared and processed internally, but in different cases, the data of the assessor may be transmitted to the insurance company device 140. The insurance company device 140 may check related data and pay insurance money according to the victim's claim.

Of course, all the work performed by the damage adjusting device 130 or all the work performed by the insurance company device 140 can be carried out by leaving the record in the group room related to the victim, and even if no record remains in the group room, damage recovery In relation to the, a series of processes performed in relation to the victim are stored as data in the DB 120a. In other words, when the victim accesses the damage recovery one-stop service device 120 and clicks, for example, my case inquiry on My Page, a progress procedure may be generated and provided on the screen in order of time and date along with the basis data. For example, if a loss adjuster requests additional data and shoots using a drone device and provides a photographed image, the victim can check it at any time by providing the photographed image. Of course, the contract is also loaded, so the construction company can check the contents of the contract.

The recovery construction company device 150 includes a computer or server, a smartphone of a related person, a wearable device, etc. used by a recovery construction company. The recovery construction company device 150 may be subscribed to the damage recovery one-stop service device 120 or through partnership. Considering that service users are victims of fire or property damage, it is possible to select and join the optimal company so as not to cause another mental damage to the victim during the construction process. For example, based on the capital stock information, it is possible to select a company that has no legal construction problem and satisfies the capital scale (eg 200 million won). In addition, data related to recent construction performance can be checked. Furthermore, it is possible to judge whether there are financial conditions or administrative sanctions. The status of administrative sanctions can be updated by periodically receiving information in connection with the server of the administrative agency. In addition, in the case of construction performance, the most recent construction performance can be presented. Thereafter, it is possible to evaluate the company by converting to the construction performance performed through the damage recovery one-stop service device 120 of the present invention, and to make a company recommendation through the damage recovery one-stop service device 120 based on this.

3 is a block diagram illustrating a detailed structure of the damage recovery one-stop service device of FIG. 1.

As shown in Figure 3, the damage recovery one-stop service device 120 of Figure 1 according to an embodiment of the present invention includes a communication interface unit 300, a control unit 310, a damage recovery one-stop processing unit 320, a storage unit ( 330).

Here, "including some or all" means that some components such as the storage unit 330 are omitted, or some components such as the damage recovery one-stop processing unit 320 are other components such as the control unit 310 It is intended to mean something that can be integrated and configured in, and will be described as including all in order to help a sufficient understanding of the invention.

The communication interface unit 300 communicates with the victim's user terminal device 100, the damage adjuster 130, the insurance company 140, and the recovery construction company device 150 via the communication network 110 of FIG. 1 do. In the process of performing communication, the communication interface unit 300 may perform scaling operations such as modulation/demodulation, encoding/decoding, muxing/demuxing, and resolution conversion, and this is obvious to those skilled in the art, so further description will be omitted.

The communication interface unit 300 may provide a service screen accordingly when a victim, such as a building fire or a building collapse due to a disaster, requests a one-stop service for damage recovery through the user terminal device 100. When the user terminal device 100 provides basic information related to building damage, the communication interface unit 300 may receive it and transmit it to the control unit 310. Here, the basic information may provide information on a damage situation, a damage scale, a fire site address, and whether or not to subscribe to insurance.

The communication interface unit 300 may provide part or all of the basic information received under the control of the control unit 310 to the damage assessor 130 of FIG. 1. When requesting damage assessment by providing related information to the damage assessment device 130, and to obtain additional data by sending the drone device to the location of the fire, a button to command the call of the drone device is provided on the screen. can do. Of course, such a call can be made in various forms, and when a damage assessment request is made, when the damage assessment device 130 clicks the corresponding URL information by transmitting URL information that can be accessed directly to the damage recovery one-stop service device 120 Basic information for damage assessment can be viewed, and the operation of a drone device can be requested for additional data.

When there is operation of the drone device, the communication interface unit 300 may notify the damage assessment device 130 that the data has been provided again when additional data by the drone device arrives, through which the final calculated Data related to the recovery range may be received and stored in the DB 120a by matching identification information with the victim or the victim's user terminal device 100.

In addition, the communication interface unit 300 may provide the user terminal device 100 with a list of construction companies that can perform recovery work in relation to the determined recovery range, and the recovery construction company device 150 of the construction company selected through this ) To request a restoration plan and construction cost estimate. In the case of the loss adjuster above, the highest level, that is, the wider recovery range can be selected by receiving data on the recovery range through a plurality of loss adjusters, but the average loss adjuster can be evaluated. Likewise, in the case of a construction company, a maximum of 3 to 5 locations may be selected according to the victim's request, and a recovery plan and a construction cost estimate may be received, and the victim may finally select it through the user terminal device 100. Of course, this process is automatically performed by artificial intelligence, and the service screen is provided by omitting the separate process as above, which provides company information by directly receiving and providing recovery plans and construction cost estimates from companies automatically selected by the program. You could do it.

In addition, the communication interface unit 300 may communicate with the user terminal device 100, the damage assessment device 130, the insurance company device 140, and the recovery construction company device 150 in order to provide a one-stop service in relation to damage recovery. . Typically, it is possible to perform an operation to record the transaction process through an automatically generated group room or chat room.

The control unit 310 may be in charge of overall control operations of the communication interface unit 300 of FIG. 3, the damage recovery one-stop processing unit 320, and the storage unit 330. When there is a service request from the user terminal device 100 from the communication interface unit 300, the control unit 310 may transmit the service request to the damage recovery one-stop processing unit 320 to provide a service screen in a specified format. In addition, when basic information related to damage is provided from the user terminal device 100 through the provided service screen, it is provided to the damage assessment device 130 at the request of the damage recovery one-stop processing unit 320 to recover the damage range. Can be asked to decide. The recovery range can be understood as the recovery range of the construction company who will be in charge of the recovery work.

In addition, when the recovery range is determined in connection with the damage recovery one-stop processing unit 320, the control unit 310 generates a list of selected construction companies to select possible construction companies based on this, and then the user terminal device 100 It is possible to control the communication interface unit 300 to provide as. For example, in the process of objection, when a plurality of construction companies are selected from the user terminal device 100 and there is a request for a recovery plan or an estimate, the control unit 310 may request a recovery plan and an estimate from the corresponding recovery construction company device 150. Controls the communication interface unit 300. Further, the control unit 310 is in conjunction with the damage recovery one-stop processing unit 320 when the victim finally selects a construction company after viewing the recovery plan and estimate, the corresponding construction company device 150, the damage adjustment device 130, the insurance company device 140 ) As a group to create a group room or chat room, and then control data processing through it.

The damage recovery one-stop processing unit 320 stores a program for one-stop damage recovery processing according to an embodiment of the present invention and executes the program to perform various operations. In other words, when basic information related to a building fire, etc. is provided through the user terminal device 100 of the victim, a designated process is performed based on this, so that the recovery is completed. First, when the basic information is received, the damage adjuster determines the extent of recovery for the damage scale based on this. In addition, when the recovery range is determined, for example, if there is a specialized field according to the determination, a construction company capable of the corresponding construction is selected, and the user terminal device 100 is requested to select a desired construction company. Of course, multiple construction companies can be selected automatically or ex officio so that they can receive restoration plans and construction estimates. Then, when the victim finally selects a construction company through the user terminal device 100, the damage recovery one-stop processing unit 320 creates a group room or chat room that can coordinate opinions related to construction progress, etc. based on this. Of course, inviting construction companies, loss adjusters, insurance companies, etc. and adding them to the group room or chat room to notify the fact of the objection.

It can be seen that the damage recovery one-stop processing unit 320 performs an operation to record all the processes related to the damage recovery rather than simply proceeding with the conversation through a group room or chat room. For example, if there is no insurance insured, a financial institution can perform an operation to check the victim's asset status, and when it is determined that funds for damage recovery have been prepared, a contract is presented and both the victim and the construction company You can get a signature, and payment can be processed through the escrow service. For example, the escrow service may be performed through a bank used by the operator of the damage recovery one-stop service device 120. For example, if the construction cost is transferred to the account of the corresponding bank, that is, to the escrow account, it may be determined and recorded in the group room. Accordingly, the construction company can proceed with the construction.

Of course, in the embodiment of the present invention, if there is insurance, it is preferable to provide the service through it, but even if there is no insurance subscription, the victim performs the restoration work at their own expense, and in the process of the restoration work, By keeping the contract details in a record and making the payment through escrow payment, it is possible to block the possibility of disputes that may arise through the construction price in advance. In addition, if the construction is interrupted, it may be possible to judge whether or not it is negligent based on the contents of the contract and the conversation related to the damage recovery process. This process can be made possible by analyzing the recorded data of the victim in which the group room was formed through an artificial intelligence program.

In addition, the damage recovery one-stop processing unit 320 may perform follow-up management when construction is completed in addition to operations related to claiming insurance and paying construction costs as a process of recovering damage, and may conduct fire prevention training. Regarding post management, it is possible to perform post management by collecting sensing data of the damaged building and monitoring it. Such follow-up management can be performed only until the period designated by the construction company to perform defect repairs, etc. Accordingly, the damage recovery one-stop processing unit 320 may check the contract details in the contract, confirm the defect repair period, and then perform post management until the corresponding period. Regarding the prevention education, when the damage recovery is completed, the prevention-related video may be provided to the victim's user terminal device 100 or a group room.

The storage unit 330 may store various pieces of information or data processed under the control of the controller 310 and then output them under the control of the controller 310. Of course, the output data may be provided to the damage recovery one-stop processing unit 320 under the control of the control unit 310. Typically, the basic information provided from the user terminal device 100 may be temporarily stored in the storage unit 330 and then provided to the damage recovery one-stop processing unit 320, and the damage recovery one-stop processing unit 320 may transmit the basic information to the victim. By matching the identification information of the user terminal device 100 of, that is, it may be generated in a designated format and stored in the DB 120a of FIG. 1.

In addition to the above, detailed information related to the communication interface unit 300, the control unit 310, the damage recovery one-stop processing unit 320, and the storage unit 330 of FIG. 3 has been sufficiently described with reference to FIG. I want to replace it.

Meanwhile, as another embodiment of the present invention, the control unit 310 of FIG. 3 includes a CPU and a memory, and the CPU and the memory may be configured as one-chip. The control unit 310 may include a control circuit, an operation unit (ALU), a command interpreter, a registry, and the like, and the memory may include RAM. The control circuit may analyze a control operation, an operation unit may perform an operation process of binary bit information, and an instruction analysis unit may analyze which operation the input binary bit information is related to the execution of any operation. Here, the analysis may be that after matching data on the left and right sides of the lookup table (LUT), the control circuit searches for the data on the right based on the data on the left and performs an operation. The registry is involved in software data storage. According to the above configuration, the CPU copies the program of the damage recovery one-stop processing unit 320 when the damage recovery one-stop service device 120 is initially driven, loads the program in the memory, and executes it, thereby rapidly increasing the data processing speed.

4 is a diagram showing a one-stop service process for damage recovery according to an embodiment of the present invention.

As shown in FIG. 4, the user terminal device 100 accesses the service of the damage recovery one-stop service device 120 and receives the accident details (S400). The content of the accident is, for example, basic information on damage related to a fire, and includes information on the damage situation, damage scale, fire site address and insurance coverage.

The damage recovery one-stop service device 120, when the accident details are received from the user terminal device 100, performs an operation for determining the recovery range with the damage assessment device 130 (S410). Of course, if the damage recovery one-stop service device 120 provides basic information related to the accident damage to the damage assessment device 130, the damage assessment device 130 may determine the recovery range based on the information. Of course, you can visit the site to determine the recovery range, but you can determine the damage situation using photos provided by the victim through the user terminal device 100, but if additional data are needed, the drone device can be installed as mentioned above. Can be used. The drone device is sent to the location so that the desired location can be photographed, and the recovery range can be accurately determined based on this.

When the recovery range for any victim is determined, the damage recovery one-stop service device 120 selects a recovery construction company based on the determined recovery range or further utilizes basic information to create a list, through which the user terminal It is possible to perform an operation for selecting the device 100 and the recovery construction company. In this process, when at least one construction company is selected from the user terminal device 100, a recovery plan and a construction cost estimate may be requested from the selected construction company (S420).

Furthermore, when the victim using the user terminal device 100 finally selects one construction company through the requested recovery plan and construction cost estimate, the damage recovery one-stop service device 120 is provided for the construction cost and construction Opinion can be coordinated with respect to the scope and materials used for construction (S430). This process can be done through an automatically generated group room, but conversations can be held together in a group room that records the damage recovery process.

In addition, the damage recovery one-stop service device 120 performs an operation for (fire) insurance claim and construction cost payment from the insurance company 140 during or after construction is in progress (S440). That is, the damage recovery one-stop service device 120 can be seen as a brokerage service for a corresponding task between the user terminal device 100 and the insurance company device 140.

In addition, the damage recovery one-stop service device 120 performs operations such as post management and fire prevention training (S450). Follow-up management may include a monitoring operation for a restored building, and for this purpose, data related to the operation state of a device such as a sprinkler installed in the building may be collected and monitored through it. Such follow-up management can be performed only until the repair period of the construction company. Fire prevention training may be provided with pre-production and stored video, but various coupon services may be provided in order to ensure that the viewing by victims is clear.

5 is a flowchart illustrating a driving process of a one-stop service device for damage recovery according to an embodiment of the present invention.

Referring to FIG. 5 together with FIG. 1 for convenience of explanation, the damage recovery one-stop service device 120 according to an embodiment of the present invention includes an insurance company related to damage from a user terminal device 100 of a victim who suffered property loss, Receives a request for a total care service that connects the person and the recovery construction company (S500). Here, "one-stop" means solving various tasks with a single visit.

In addition, the damage recovery one-stop service device 120 determines the recovery range of the damage adjuster device and the recovery construction company based on the basic information related to damage provided from the user terminal device 100 based on the received request, and the recovery range is When determined, the restoration plan and construction cost estimate of the restoration construction company is provided to the user terminal device 100, and the victim, insurance company, and restoration construction company coordinate their opinions through a group room to determine the construction cost, construction scope, and construction materials. Processes the recovery construction progress, insurance claim and construction cost payment (S510).

In addition to the above, the damage recovery one-stop service apparatus 120 according to an embodiment of the present invention can perform various operations, and other details have been sufficiently described above, and thus the contents will be substituted.

6 to 8 are diagrams for explaining a part of a service screen according to an embodiment of the present invention.

For convenience of explanation, referring to FIGS. 6 to 8 together with FIG. 1, for example, when the user terminal device 100 of the building fire victim requests the damage recovery one-stop service device 120, the same as in FIG. You can receive the screen. When a screen as shown in FIG. 6 is received, basic information related to the damage of fire may be input on the screen and transmitted to the damage recovery one-stop service device 120. Typically, it can provide information on the size of the damage, the extent of the damage, the location of the accident, the history of the accident, and whether to subscribe to insurance. 6 is a diagram for inputting basic information on damage, and is only an example. Therefore, in the embodiment of the present invention, there will be no particular limitation to the screen configuration as shown in FIG. 6.

In addition, of course, since the victim's user terminal device 100 may provide information related to the damage scale or damage range by attaching it if there is a photograph or video, in the embodiment of the present invention, it is simply text-based. There will be no particular limitation on providing information.

In addition, when the victim's user terminal device 100 provides basic information on damage through a screen as shown in FIG. 6, when the damage adjuster determines the recovery range through basic information from the damage recovery one-stop service device 120 It is possible to perform an operation to select a recovery construction company to perform the recovery work, and in the process of this, the damage recovery one-stop service device 120 provides a screen as shown in FIG. 7 so that the victim can directly select the recovery construction company. I can.

The damage recovery one-stop service device 120 may select approximately 5 companies and transmit them to the victim's user terminal device 100 in the form of a list, and if the victim requests'more' or a new recovery construction company, a new 5 Information can be provided in the form of listing information on dog companies. Of course, when a specific company is selected from the list, detailed information related to the company can be viewed, or a link may be made to the company's homepage. In an embodiment of the present invention, when a company participates, it is possible to limit construction companies whose capital does not satisfy the specified conditions, and restrict participation through administrative sanctions, tax arrears, etc., based on the victim's recovery range, etc. It can be said that a construction company is recommended. A typical example is to first recommend construction companies in neighboring regions based on their address. For example, in the case of recommending a construction company in an adjacent area, the victim may ask for a doctor in the form of a pop-up window, and then continue to recommend the construction company when a response is received. In an embodiment of the present invention, when a company in a specific region is selected and displayed on a list, regional information may be exposed on the screen.

In addition, although it is possible to view detailed information related to the performance of the corresponding construction company through the recommendation for the construction company through the screen as shown in FIG. 7, the damage recovery one-stop service device 120 is a screen as in FIG. Instead of allowing you to view detailed information of the construction company at the time of providing it, it is possible to immediately select the optimal construction company from within 5 through the operation of artificial intelligence, etc., and receive a recovery plan and construction cost estimate and provide it. In this case, the victim can see the recovery plans and construction cost estimates of construction companies through the list as shown in FIG. 7. Therefore, the selection process of a construction company as shown in Fig. 7 can be determined according to the intention of the system designer whether to form and program the screen layout in the former form or to form and program the screen layout in the latter form. Therefore, it will not be specifically limited to any one form in the embodiment of the present invention. In other words, the former is serviced in two steps (e.g., providing a list of recommended companies and providing a recovery plan and construction estimate again), and the latter is performed in one step (e.g., multiple constructions selected by artificial intelligence). The latter can be very useful in terms of service simplification because the service is provided to victims after receiving the restoration plan and construction estimate directly from the company.

Further, the damage recovery one-stop service device 120 automatically creates a group room or chat room as shown in FIG. 8 when the recovery construction company is finally selected through the screen as shown in FIG. 7 to determine the damages of the victim, including the victim, Insurance companies and restoration companies can be involved. Of course, loss adjusters may be excluded when forming such group rooms. The group room according to an embodiment of the present invention may be understood as a process for recording a one-stop service process related to damage recovery of a victim's building, etc., rather than simply exchanging only conversations. Therefore, based on this, data analysis can be performed using deep learning of artificial intelligence, and the result of this data analysis can be used as the basis for recommendation of a recovery construction company to another victim. In the embodiment of the present invention, the victim's evaluation of the recovery construction company can be used, but weight is not given thereto, and above all, more weight can be placed on the response time of the recovery construction company to the victim's query. In other words, when the company participates, it is in the state that the recovery construction company that satisfies the designated conditions is selected and subscribed, so it is beneficial to examine other parts such as service aspects rather than the victim's evaluation.

For example, through a group room as shown in FIG. 8, a process of signing a contract between a construction company and a victim may be included, and thus, a process of signing each of both sides may be included. In addition, when a payment for a construction price is required while the construction is in progress, the payment is made in the form of escrow, and a record of this can also be uploaded to the group room as data. Therefore, the construction company can see the information and proceed to the next construction stage, and if there is OK approval from the victim regarding the previous stage construction, the escrow is in the state of being requested, so it is automatically transferred to the recovery construction company's account. Deposits can be processed, and this information can be periodically recorded in the group room. Of course, this operation is performed by the damage recovery one-stop service device 120, and it can be seen that the necessary service operation is performed by recognizing the contents of the group room through a program such as artificial intelligence or through natural language analysis processing when there is a conversation. have. For example, when the contract is made, the victim and the construction company can ask which one to proceed with the contract, and when there is a response, the contract details are uploaded to the group room. In addition, when the contract is signed by both parties, the process can be proceeded to make a prepayment in the form of escrow so that the restoration contractor can start the construction when both signatures are completed. In this way, all procedures can be completed by performing a one-stop service through an artificial intelligence program or an artificial intelligence chatbot.

In addition to the above, the damage recovery one-stop service device 120 according to the embodiment of the present invention can configure various types of screen layouts to be provided to the user terminal device 100 of the victim, and other details are sufficient as described above. Since it has been explained, I will use the contents instead.

On the other hand, even if all the constituent elements constituting an embodiment of the present invention are described as being combined into one or operating in combination, the present invention is not necessarily limited to this embodiment. That is, within the scope of the object of the present invention, all of the constituent elements may be selectively combined and operated in one or more. In addition, although all the components may be implemented as one independent hardware, a program module that performs some or all functions combined in one or more hardware by selectively combining some or all of the components. It may be implemented as a computer program having Codes and code segments constituting the computer program may be easily inferred by those skilled in the art of the present invention. Such a computer program is stored in a non-transitory computer readable media that can be read by a computer and is read and executed by a computer, thereby implementing an embodiment of the present invention.

Here, the non-transitory readable recording medium is not a medium that stores data for a short moment, such as a register, cache, memory, etc., but a medium that stores data semi-permanently and can be read by a device. . Specifically, the above-described programs may be provided by being stored in a non-transitory readable recording medium such as a CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, or the like.

In the above, preferred embodiments of the present invention have been illustrated and described, but the present invention is not limited to the specific embodiments described above, and is generally used in the technical field to which the present invention pertains without departing from the gist of the present invention claimed in the claims. Various modifications are possible by those skilled in the art of course, and these modifications should not be individually understood from the technical idea or perspective of the present invention.

100: user terminal device 110: communication network
120: damage recovery one-stop service device 130: damage adjusting device
140: insurance company device 150: recovery construction company device
300: communication interface unit 310: control unit
320: damage recovery one-stop processing unit 330: storage unit

Claims (14)

One-stop total care service from the user terminal device of the victim who suffered property loss, linking the insurance company, damage adjuster, and recovery construction company related to the damage, from the calculation of the damage to the restoration of the building at once. A communication interface unit for receiving a request of; And
Based on the basic information related to the damage provided from the user terminal device according to the received one-stop total care service request, the damage adjuster and the recovery range are determined, and when the recovery range is determined, the recovery plan and Construction cost estimates are provided to the user terminal device, and the victims, insurance companies, and restoration companies coordinate their opinions through a group room to determine the construction cost, construction scope, and construction materials, and proceed with restoration work, claim insurance, and pay construction cost. Including;
The control unit,
After checking the insurance policy contents from the above basic information to confirm the insurance company's damage adjuster, and when the recovery range is determined by the confirmed damage adjuster, a restoration construction company capable of restoration work is automatically selected according to the above decision, and used as the user terminal device. Provides the user terminal device and performs an operation to select a desired recovery construction company to perform the recovery work,
The control unit,
The victim automatically creates the group room when the insurance company, the damage adjuster, and the desired recovery construction company are selected, and calculates a score through a conversation in the group room or through analysis of the data feedback from the construction company. When there is an inquiry of, the time information is checked to determine whether the answer to the above inquiry was promptly made,
The control unit,
If it is determined that the victim is not insured by checking the contents of the insurance policy in the basic information, the victim's assets are checked, and if there is no asset as a result of the confirmation, a loan is automatically proceeded to the affiliated financial institution,
The control unit,
Service subscribers collect data by performing periodic monitoring operations related to fire based on the address information of the building, and prevent the occurrence of fire in advance based on the collected data, and in the case of buildings where damage is restored, the restored A one-stop service device for damage recovery that collects and monitors the sensing data of the building to perform post management, but checks the contract details in the contract and performs post management until the defect repair period. The method of claim 1,
When the restoration range is determined, the control unit generates a list of a plurality of restoration construction companies selectable by the victim and provides them to the user terminal device, and the restoration received from the restoration construction company selected by the victim on the list Damage recovery one-stop service device that provides a plan and construction cost estimate to the user terminal device. The method of claim 1,
The control unit is a damage recovery one-stop service device for providing a list of recovery construction companies that satisfy specified conditions in relation to the construction performance, financial status, administrative sanctions, and tax arrears of the recovery construction companies participating in the service. The method of claim 1,
The control unit is a damage recovery one-stop service device for automatically generating the group room when a recovery construction company is finally selected based on the recovery plan and construction cost estimate. The method of claim 1,
When it is determined that the victim is not insured based on the basic information, the control unit further determines the state of assets or credits of the victim, and determines the recovery range according to the determination result. The method of claim 1,
The control unit records the progress related to the damage recovery in the group room, and records at least the contents of the construction contract and the payment information for the construction cost of the escrow method. The method of claim 1,
The control unit generates location information on the damaged location based on the basic information and provides it to the drone device, and is provided with a photographed image of the damaged location captured by the drone device, and is further used when determining the recovery range. One-stop service device. The communication interface unit receives a request for a one-stop total care service from the user terminal device of the victim who suffered property loss, by linking the insurance company, damage adjuster, and recovery contractor related to the damage to each other and processing from damage calculation to restoration of the building at once. Step to do; And
The control unit determines the damage adjuster device and the recovery range based on the basic information related to the damage provided from the user terminal device according to the received one-stop total care service request, and when the recovery range is determined, the recovery construction company The recovery plan and construction cost estimate are provided to the user terminal device, and the victim, insurance company, and recovery construction company coordinate their opinions through a group room to determine the construction cost, construction scope and construction materials, and proceed with restoration work, claim insurance, and Including; processing the payment of construction cost;
The control unit checks the insurance policy contents from the basic information to check the insurance company's damage adjuster, and when the range of restoration is determined by the confirmed damage adjuster, according to the determination, a restoration construction company capable of restoration work is automatically selected and reminded. Providing the user terminal device to perform an operation for selecting the user terminal device and a desired recovery construction company to perform the recovery work;
The control unit automatically creates the group room when the insurance company, the damage adjuster, and the desired recovery construction company are selected, and calculates a score through a conversation in the group room or analysis of data feedback from the construction company. In order to do so, when there is an inquiry from the victim, checking and determining time information whether an answer to the inquiry was promptly made;
The control unit checks the contents of the insurance policy in the basic information and, if it is determined that the victim is not insured, checks the victim's assets, and if there is no asset as a result of the confirmation, a loan is automatically made to the affiliated financial institution. Advancing; And
In the case of a service subscriber, the control unit collects data by performing periodic monitoring operations related to fire based on the address information of the building, and prevents the occurrence of fire in advance based on the collected data. In this case, performing post management by collecting and monitoring sensing data of the restored building, but performing post management until the defect repair period by checking the contract details in the contract;
Driving method of the damage recovery one-stop service device further comprising. The method of claim 8,
The processing step,
When the recovery range is determined, generating a list of a plurality of recovery construction companies selectable by the victim and providing the list to the user terminal device; And
Providing a recovery plan and a construction cost estimate received from a recovery construction company selected by the victim on the list to the user terminal device;
Driving method of a one-stop service device for damage recovery including. The method of claim 8,
The processing step,
A method of driving a damage recovery one-stop service device that provides a list of recovery construction companies that meet the specified conditions in relation to the construction performance, financial status, administrative sanctions, and tax arrears of the recovery construction companies participating in the service. The method of claim 8,
The processing step,
A method of driving a damage recovery one-stop service device that automatically generates the group room when a recovery construction company is finally selected based on the recovery plan and construction cost estimate. The method of claim 8,
The processing step,
When it is determined that the victim is not insured based on the basic information, the victim's asset status or credit status is further determined and the recovery range is determined according to a determination result. The method of claim 8,
The processing step,
A method of driving a damage recovery one-stop service device that records the progress related to the damage recovery in the group room, and records at least the contents of a construction contract and payment information for a construction cost in an escrow method. The method of claim 8,
The processing step,
Based on the basic information, the location information on the damaged location is generated and provided to the drone device, and the damage recovery one-stop service device is further used when determining the recovery range by receiving a photographed image of the damaged location photographed by the drone device. Driving method.

Images