KR102527452B1 - A method for providing automatic insurance requesting services based on scraping and an appratus using it - Google Patents

Abstract

A service providing method of a service providing apparatus according to an embodiment of the present invention includes receiving user registration information from a portable terminal; scraping medical treatment history information of a medical institution server by using user registration information received from the portable terminal; Matching the scraped medical treatment detail information with insurance information collected corresponding to the user registration information to extract insurance money information to be automatically claimed from among the medical treatment detail information; and providing information on insurance money subject to automatic claim to the portable terminal.

Description

Scraping-based insurance claim automatic claim service provision method and its device

The present invention relates to a method and apparatus for providing an automatic insurance claim service. More specifically, the present invention relates to a method and apparatus for providing an automatic insurance claim service based on scraping.

Medical insurance refers to an insurance system that aims to pay medical or medical expenses to subscribers (insured persons) or their families (dependents). Medical insurance (health insurance) pays monthly insurance premiums, accumulates them one by one, and pays a part of the medical expenses when something to be treated, such as a disease, occurs. If the cost of treatment is high due to surgery or injury, the cost of the patient's own expenses is high in addition to the medical expenses provided by the state.

Currently, when medical insurance is insured by an insurance company, in case of claiming medical insurance due to necessity, the person (claimant) visits a medical institution, obtains medical documents provided by the medical institution, delivers them directly to the insurance company, or sends them by mail or fax. It is delivered to the insurance company through and the insurance claim is being made.

However, in order to obtain the documents required by the insurance company, the subscriber had to prepare the necessary documents and submit the prepared documents to the insurance company, and there was a problem in that insurance money could not be claimed after a certain period of time.

In order to solve this problem, a method of subscribing to a separate insurance product and receiving a payment card for claiming insurance money and being charged together at the time of payment is also proposed, but this not only requires card membership subscription through a separate financial institution, but also There is a very inconvenient problem because a designated card must be used.

Accordingly, even though the claimable insurance money can be paid with only a copy of the receipt through the actual loss medical insurance in the case of a small amount, cases in which the procedure is cumbersome or the fact that the subscription is not known, so that the payment is not received constantly occurs.

The accumulated financial scale of these issues is also very large, and is being set as a reform task for the Financial Supervisory Service, and omissions have been confirmed, and the total unclaimed insurance money, including medical insurance paid after the fact, reaches 91.6 billion won per year.

The present invention is intended to solve the above problems, in medical insurance, by analyzing and extracting insurance information that has been omitted or unpaid through scraping, providing it to the user and making a claim automatically, preventing substantial insurance payment omission in advance. The purpose of the present invention is to provide a method and device for providing an automatic claim service for missing insurance money based on scraping that can easily receive insurance money without complicated procedures such as a separate card issuance procedure.

A method according to an embodiment of the present invention for solving the above problems is a service providing method of a service providing apparatus, comprising: receiving user registration information from a portable terminal; scraping medical treatment history information of a medical institution server by using user registration information received from the portable terminal; Matching the scraped medical treatment detail information with insurance information collected corresponding to the user registration information to extract insurance money information to be automatically claimed from among the medical treatment detail information; and providing information on insurance money subject to automatic claim to the portable terminal.

In addition, an apparatus according to an embodiment of the present invention for solving the above problems is, in the service providing apparatus, a user management unit for receiving user registration information from a portable terminal; a scraping module for scraping treatment history information of a medical institution server by using the user registration information received from the portable terminal; a target insurance money extraction unit for matching the scraped medical treatment detail information with insurance information collected corresponding to the user registration information and extracting insurance money information to be automatically claimed from among the medical treatment detail information; and a control unit providing information on insurance money subject to automatic claim to the portable terminal.

On the other hand, a method according to an embodiment of the present invention for solving the above problems, in the method of operating a portable terminal, the step of installing an application for automatic claim of missing loss insurance money; Scraping (SCRAPING) treatment history information of a medical institution server by using user registration information registered through the application; Matching the scraped medical treatment detail information with insurance information collected corresponding to the user registration information to extract insurance money information to be automatically claimed from among the medical treatment detail information; and outputting the insurance money information to be automatically claimed.

According to an embodiment of the present invention, in medical insurance, insurance money information that is missing or unpaid is analyzed and extracted through scraping, provided to the user, and among them, insurance money that can be automatically claimed is identified and automatically claimed, so that actual insurance money is claimed. It is possible to provide a scraping-based automatic insurance claim service providing method and device that can prevent omission of payment in advance and easily receive insurance money without a separate complicated procedure.

1 is a conceptual diagram schematically illustrating an entire system according to an embodiment of the present invention.
2 is a block diagram illustrating a service providing apparatus according to an embodiment of the present invention in more detail.
3 is a flowchart illustrating a service providing method according to an embodiment of the present invention.
4 is a flowchart illustrating a service providing method according to another embodiment of the present invention.
5 is a flowchart illustrating a method of extracting insurance money subject to automatic claim according to an embodiment of the present invention.
6 to 9 are diagrams illustrating interface screens output through a portable terminal according to an embodiment of the present invention.

The following merely illustrates the principles of the present invention. Therefore, those skilled in the art can invent various devices that embody the principles of the present invention and fall within the concept and scope of the present invention, even though not explicitly described or shown herein. In addition, all conditional terms and embodiments listed in this specification are, in principle, expressly intended only for the purpose of understanding the concept of the present invention, and should be understood not to be limited to such specifically listed embodiments and conditions. do.

In addition, it should be understood that all detailed descriptions reciting specific embodiments, as well as principles, aspects and embodiments of the present invention, are intended to encompass structural and functional equivalents of these matters. In addition, it should be understood that such equivalents include not only currently known equivalents but also equivalents developed in the future, that is, all devices invented to perform the same function regardless of structure.

Accordingly, all flow diagrams, state transition diagrams, pseudo code, etc. are tangible representations on computer readable media and are to be understood as representing various processes performed by a computer or processor, whether or not the computer or processor is explicitly depicted. .

The functions of various elements shown in the drawings including functional blocks represented by processors or similar concepts may be provided using dedicated hardware as well as hardware capable of executing software in conjunction with appropriate software. When provided by a processor, the functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of separate processors, some of which may be shared.

The above objects, features and advantages will become more apparent through the following detailed description in conjunction with the accompanying drawings, and accordingly, those skilled in the art to which the present invention belongs can easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, if it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted.

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

First, the "portable terminal" described in this specification includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player), a navigation device, and the like. However, the present invention is not limited thereto, and other various devices capable of user input and information display may be used.

1 is a conceptual diagram schematically illustrating an entire system according to an embodiment of the present invention.

Referring to FIG. 1, the entire system according to an embodiment of the present invention includes a receiving beacon device 10, a portable terminal 100, a service providing device 200, a medical institution server 300, and an insurance company server 400. do.

The portable terminal 100 and the service providing device 200 according to an embodiment of the present invention are equipped with a communication module to enable communication network access to a mobile communication network or an Internet network with a medical institution server 300 or an insurance company server 400, and , it is configured to be interconnected through a communication network connection.

First, the mobile terminal 100 may have an application for automatic claim of missing actual loss insurance money installed, and user information for automatic claim of insurance money may be registered in the service providing device 200 through the application.

Here, the user information may include the user's resident registration number, name, and insurance information, and the insurance information may include insurance company information and product information.

In addition, the user information may further include personal information for scraping medical treatment detail information of the medical institution server 300 . Personal information may include, for example, at least one of ID information, password information, or public certificate password information for accessing the medical institution server 300 or the insurance company server 400 from which information is to be collected.

Accordingly, the medical institution server 300 provides medical treatment detail information to the service providing device 200 accessed using the user registration information. For example, the medical institution server 300 may be a public institution server, such as the Health Insurance Corporation, from which overall treatment history information can be collected.

In addition, the insurance company server 400 may provide insurance information corresponding to user registration information to the service providing device 200 . To this end, the service providing device 200 scrapes personal insurance information such as claim history information among insurance information corresponding to user registration information from the insurance company server 400, or general insurance information such as terms and conditions information corresponding to the time of subscription. can be collected

Meanwhile, the service providing device 200 provides a scraping service for scraping medical treatment history information of the medical institution server 300 and claims history information of the insurance company server 400 using registered user information. However, the scraping service according to an embodiment of the present invention is not limited to only medical treatment history information, but includes an email information scraping service that collects email-related information by accessing an email server, and a financial service that collects financial information by accessing a bank server. An information scraping service, a news information scraping service that collects news-related information by connecting to a news server, and the like may be further included.

In addition, the service providing device 200 matches the scraped medical treatment details information with the insurance information collected from the insurance company server 400 in response to the user registration information, extracts insurance money information to be automatically claimed from among the medical treatment details information, and , The automatic claim target insurance money information can be provided to the portable terminal 100 .

To this end, in the service providing device 200, the scraping server 200 collects information to be scraped according to the request of the portable terminal 100, and then transmits the collected information to the portable terminal 100 or the portable terminal 100. It can be stored in a database (DB, DataBase) to provide information to (100).

On the other hand, when the portable terminal 100 receives insurance money information subject to automatic claim, it may obtain evidence information corresponding to the insurance money information subject to automatic claim. Evidence may include, for example, a receipt image, and may be obtained through a camera of the portable terminal 100 or obtained as an image pre-stored from a memory of the portable terminal 100 .

Here, in order to obtain evidence information, the storage location beacon device 10 may be located near the storage location of a hospital or pharmacy, and may transmit a notification signal for photographing a receipt to the portable terminal 100 located at a short distance. For example, when receipt issuance is completed, the storage destination beacon device 10 may provide a notification signal to the portable terminal 100 to provide convenience in inducing a user to capture a receipt image in advance.

And, the portable terminal 100 may transmit the evidence information to the service providing device 200 . Accordingly, the service providing device 200 may receive evidence information corresponding to the automatic claim subject insurance money information from the portable terminal 100, and generate claim data based on the evidence information and the user registration information. It can be transmitted to the insurance company server 400 in real time.

Accordingly, when there is unpaid insurance money due to missing claims, such as insurance money missed by the user, automatic analysis extraction and real-time billing according to mobile scraping through the operation of the portable terminal 100 and the service providing device 200 processing can be performed.

2 is a block diagram illustrating a service providing apparatus according to an embodiment of the present invention in more detail.

Referring to FIG. 2 , the service providing device 200 according to an embodiment of the present invention includes a control unit 210, a communication unit 220, a user management unit 230, a database 240, an automatic claim processing unit 270, and a target insurance amount. An extraction unit 260 and a scraping module 250 may be included.

The control unit 210 may control the overall operation of the service providing device 200 to perform scraping-based extraction of insurance money subject to automatic claim and claim processing using user registration information provided from the portable terminal 100 .

Also, the communication unit 220 may include one or more communication modules for transmitting and receiving information by accessing the portable terminal 100, the insurance company server 400, or the medical institution server 300. In addition, the communication unit 220 may include a short-range communication module for receiving a notification signal of the storage destination beacon device 10 .

Also, the user management unit 230 may process user registration according to user registration information received from the portable terminal 100 and provide a corresponding management service.

In addition, when the user registration information is received from the portable terminal 100, the scraping module 250 scrapes the medical treatment history information of the medical institution server 300 using the user registration information received from the portable terminal 100. ), and the insurance information of the insurance company server 400 may be scraped.

Here, the medical treatment detail information may include at least one of one or more medical treatment date information, workplace information, medical expense item information, payment amount information, medical treatment subject information, medical doctor information, and disease group number information corresponding to user registration information.

In addition, the insurance information may include at least one of subscription time information for one or more insurance products corresponding to user registration information, coverage information (or contract information) of insurance product information, and claim history information.

In addition, the target insurance money extraction unit 260 extracts insurance money information to be automatically claimed from among the medical treatment details information according to the matching process between the insurance information and the medical treatment details information, and transmits the insurance money information to be automatically claimed to the portable terminal 100. can provide

Meanwhile, the automatic claim processing unit 270 may receive evidence information corresponding to the automatic claim target insurance money information from the portable terminal 100 .

In addition, the automatic claim processing unit 270 generates claim data based on the evidence information and the user registration information and transmits it to the insurance company server 400 .

Here, the evidence information may include at least one of receipt image information photographed by the portable terminal 100 and text information extracted from the receipt image information.

To this end, the portable terminal 100 may include one or more camera modules, and the portable terminal 100 has an interface for photographing the receipt image according to a photographing notification signal received from a storage beacon device located nearby. and a display unit for displaying, and a receipt image may be obtained as evidence information through a user input to the interface.

Meanwhile, the text information may include at least one of treatment date information, workplace information, treatment cost item information, payment amount information, treatment subject information, treatment doctor information, and disease group number information extracted from the receipt image. The automatic claim processing unit 270 may generate claim data in the form of a form for claiming missing or unpaid insurance money based on the text information, treatment history information, and claim history information.

In addition, the automatic claim processing unit 270 transmits the claim data to the insurance company server 400 to provide a service for real-time automatic payment of the actual loss insurance money unpaid to the portable terminal user due to missing claims.

Accordingly, the processed insurance information may be provided from the insurance company server 400 to the service providing device 200 or the portable terminal 100 .

Meanwhile, the database 240 may be configured with one or more storage media for storing user management information, scraped medical history information, insurance information, or claim data.

3 is a flowchart illustrating a service providing method according to an embodiment of the present invention.

Referring to FIG. 3, first, an application for automatic insurance claim is installed in the portable terminal 100 (S101).

Then, the portable terminal 100 provides user registration information to the service providing device 200 through an application (S103).

The service providing device 200 registers the received user registration information through the user management unit 230 (S105) and accesses the medical institution server using the registered user information (S107).

If the medical institution server 300 requires an authentication value of a certificate that is uniquely stored in the portable terminal 100 and cannot be provided to the service providing device 200, the medical institution server 300 sends the service providing device 200 Transmission of a certificate authentication value may be requested (S109), and the service providing device 200 may relay the request to the portable terminal 100 (S111).

Then, the portable terminal 100 may perform public certificate authentication corresponding to the authentication value transmission request (S113) and provide the authentication value to the service providing device 200 (S115). The authentication value is provided to the medical institution server 300 again (S117), and accordingly, the service providing device 200 may be allowed to access the medical institution server 300 (S119).

Here, the service providing device 200 may temporarily store the authentication value in the database 240, and delete and discard the temporarily stored authentication value after access is permitted.

Then, the service providing device 200 collects medical treatment detail information corresponding to user registration information of the portable terminal 100 through scraping by the scraping module 250 (S121).

Meanwhile, the service providing device 200 requests and receives insurance information from the insurance company server 400 (S123 and S125).

Here, the claim history information may be scraped through the scraping module 250 of the service providing device 200, or insurance product information corresponding to the user registration information may be indexed and obtained from the insurance company server 400.

Then, the service providing device 200 matches the insurance information and the treatment details information through the target insurance money extraction unit 260 (S113), and calculates the claimable insurance money information according to the matching result (S115).

Here, the claim target insurance money information may include detail information and amount information of unpaid insurance money.

Then, information on the claimable insurance money is provided to the portable terminal 100 (S117).

Then, the mobile terminal 100 may input evidence corresponding to the claim target insurance money information (S119).

For example, a beacon notification from a separate storage beacon device 10 may be provided to the portable terminal 100, and an interface accordingly may be output and evidence including a receipt image may be input.

The input evidence is transmitted to the service providing device 200 (S121), the service providing device 200 extracts text information from the evidence through the automatic claim processing unit 270 (S123), and the extracted text information and Claim data based on the evidence is generated (S125). Here, an optical scan recognition (OCR) method may be used to extract text information.

Then, the service providing device 200 transmits the claim data to the insurance company server 400 through the automatic claim processing unit 270 (S127). Accordingly, the insurance company server 400 may transmit the reception result and payment information to the service providing device 200 or the portable terminal 100 (S129).

4 is a flowchart illustrating a service providing method according to another embodiment of the present invention.

Referring to FIG. 4 , a service providing method according to another embodiment of the present invention may be implemented using the operation of the portable terminal 100 . To this end, all or some functions of the service providing device 200 may be executed in the portable terminal 100 .

Accordingly, first, when an application for automatic insurance claim is installed in the portable terminal 100 (S201), the portable terminal 100 provides user registration information to the service providing device 200 through the application (S203).

Then, when the user registration is completed (S205), the service providing device 200 provides server access information to the portable terminal 100 registered as the user (S206). The server access information may include specific access information of the medical institution server 300 and the insurance company server 400 for scraping.

Then, the portable terminal 100 accesses the medical institution server using the user information (S207).

The medical institution server 300 may request transmission of a certificate authentication value to the portable terminal 100 (S209), and the portable terminal 100 transmits the requested authentication value directly to the medical institution server 300 according to the public certificate authentication (S213). It can be transmitted to (S215). Accordingly, access of the portable terminal 100 to the medical institution server 300 may be allowed (S219).

Then, the portable terminal 100 collects medical treatment history information corresponding to the user registration information of the portable terminal 100 through the scraping function of the application (S221).

Then, the portable terminal 100 requests and receives insurance information from the insurance company server 400 through the function of the application (S223 and S225).

Then, the portable terminal 100 matches the insurance information and the treatment detail information through the application's target insurance money extraction function (S213), and calculates the claim target insurance money information according to the matching result (S215).

And, the portable terminal 100 may be input to the evidence corresponding to the claim target insurance money information (S219).

For example, a beacon notification from a separate storage beacon device 10 may be provided to the portable terminal 100, and an interface accordingly may be output and evidence including a receipt image may be input.

Then, the portable terminal 100 extracts text information from the evidence through the automatic claim processing function of the application (S223), and when claim data based on the extracted text information and the evidence is generated (S225), automatic claim processing The claim data is transmitted to the insurance company server 400 through the function (S227).

Accordingly, the insurance company server 400 may transmit the reception result and payment information to the service providing device 200 or the portable terminal 100 (S229).

5 is a flowchart illustrating a method of extracting insurance money subject to automatic claim according to an embodiment of the present invention.

Referring to FIG. 5 , insurance money to be automatically claimed can be calculated only for an amount that can be substantially claimed as a copy such as a receipt image. In other words, if the amount exceeds a certain amount, the original submission is required, so it can be excluded from automatic billing.

Accordingly, the target insurance money extraction unit 260 or the portable terminal 100 of the service providing device 200 according to an embodiment of the present invention may perform data matching and classification processing corresponding thereto.

Referring to the target insurance money extraction unit 260 as an example, first, the target insurance money extraction unit 260 extracts first medical treatment details information from scraped medical treatment details information (S301).

Then, the target insurance money extraction unit 260 indexes the insurance claim history information that matches the first treatment details information (S303).

If claim history information exists, the target insurance money extraction unit 260 classifies the first medical treatment details information into already-claimed treatment details (S307).

On the other hand, if the claim history information does not exist, the target insurance money extraction unit 260 classifies the first treatment details information as unclaimed treatment details (S309).

Then, the target insurance money extraction unit 260 determines whether the unclaimed amount corresponding to the first treatment detail information is less than or equal to a certain amount (S311).

Here, the unclaimed amount and the certain amount may be different according to product information, subscription time information, and contract information of insurance information.

Then, if the target insurance money extraction unit 260 is less than a certain amount, automatically extracts the claim as the target insurance money (S313).

On the other hand, if the target insurance money extraction unit 260 exceeds a certain amount, the original is classified as required insurance money (S315).

The classification information classified according to this may be provided to the user through the mobile terminal 100, and the user may check the claims of the medical treatment details, the insurance money subject to automatic claim, and the original required insurance money through the application interface. .

6 to 9 are diagrams illustrating interface screens output through a portable terminal according to an embodiment of the present invention.

6 shows a user registration screen. The user of the portable terminal 100 can input name information, resident registration number information, insurance company information, insurance product information, and subscription year and month information, and can input login information, certificate information, and password information as personal information for mobile scraping. .

7 illustrates an auto billing details interface. The portable terminal 100 may output medical treatment detail information through an interface, and among them, information on a scheduled amount to be automatically billed may be displayed together. However, since there is no evidence in FIG. 7 , when the user selects the claim button, the user may move to the evidence data input interface as shown in FIG. 8 . Also, when the user selects the automatic billing setting button, the service providing device 200 may process setting or canceling automatic billing for the current treatment details.

On the other hand, FIG. 8 shows a proof data input interface. The proof data may include receipt image information corresponding to medical treatment detail information, and may be photographed through a camera of the portable terminal 100 or selected from a pre-stored memory. indicates that it can.

And, FIG. 9 shows a photographing interface output according to a notification signal received from the storage destination beacon device 10 through an automatic billing application. As shown in FIG. 9 , the portable terminal 100 receiving a signal from the recipient beacon device 10 may provide an interface capable of capturing a receipt for medical treatment details just paid for through an application. Accordingly, the user can easily recognize the input of evidence, and thus, the inconvenience of finding and inputting a receipt later and the concern of losing the receipt can be prevented in advance.

The above-described scraping service providing method according to the present invention may be produced as a program to be executed on a computer and stored in a computer-readable recording medium. Examples of the computer-readable recording medium include ROM, RAM, and CD-ROM. , magnetic tapes, floppy disks, optical data storage devices, and the like, and also includes those implemented in the form of carrier waves (for example, transmission through the Internet).

The computer-readable recording medium is distributed to computer systems connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the technical field to which the present invention belongs.

In addition, although the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention claimed in the claims. Of course, various modifications and implementations are possible by those skilled in the art, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

Claims (17)

In the service providing method of the service providing device,
Receiving user registration information registered in the service providing device through an application for automatic claim of missing actual loss insurance money from a user's portable terminal;
Scraping treatment history information of a medical institution server by using the user registration information;
matching the scraped medical treatment detail information with insurance information collected in correspondence with the user registration information, and generating automatic claim target insurance money information corresponding to the medical treatment detail information; and
Providing the automatic claim target insurance money information to the portable terminal;
Receiving, from the portable terminal, a receipt image captured by the portable terminal or text information extracted from the receipt image as evidence for claiming insurance money corresponding to the insurance money information subject to automatic claim; and
Further comprising generating and transmitting claim data based on the evidence and the user registration information to an insurance company server,
The portable terminal is located in a storage unit of a hospital or pharmacy and receives a signal informing a capture from a device providing a beacon function in the storage unit and displays an interface for capturing the receipt image, so that the user can A terminal that induces the receipt image to be taken in advance
How We Provide Our Services. delete delete delete According to claim 1,
The text information extracted from the receipt image,
Including treatment date information or business site information or medical expense item information or payment amount information or treatment subject information or doctor information or disease group number information
How We Provide Our Services. According to claim 1,
Insurance information collected in response to the user registration information,
Including billing history information and terms and conditions
How We Provide Our Services. According to claim 1,
The generating step is
When insurance claim history information matching the scraped first treatment detail information does not exist in the insurance information and the treatment amount information of the first treatment detail information is equal to or less than a certain amount, the first treatment detail information Comprising the step of generating the automatic claim target insurance money information matching
How We Provide Our Services. According to claim 1,
The automatic claim target insurance money information includes detail information and amount information of actual loss insurance money unpaid to the portable terminal user due to missing claims
How We Provide Our Services. In the service providing device,
a user manager for receiving user registration information registered in the service providing device through an application for automatic claim of missing actual loss insurance money from a user's portable terminal;
a scraping module for scraping treatment history information of a medical institution server by using the user registration information;
a target insurance money processing unit that matches the scraped medical treatment detail information with insurance information collected in correspondence with the user registration information and generates automatically claimable insurance money information corresponding to the medical treatment detail information; and
And a control unit for providing the automatic claim target insurance money information to the portable terminal,
As evidence for claiming insurance money corresponding to the insurance money information subject to automatic claim, a receipt image photographed by the portable terminal or text information extracted from the receipt image is received from the portable terminal, and the evidence and the user registration are received. Further comprising an automatic claim processing unit for generating information-based claims data and transmitting it to an insurance company server,
The portable terminal is located in a storage unit of a hospital or pharmacy and receives a signal informing a capture from a device providing a beacon function in the storage unit and displays an interface for capturing the receipt image, so that the user can A terminal that induces the receipt image to be taken in advance
Service Provisioning Device. delete According to claim 9,
The text information extracted from the receipt image,
Includes treatment date information or business site information or medical expense item information or payment amount information or treatment subject information or doctor information or disease group number information,
Insurance information collected in response to the user registration information,
Including billing history information and terms and conditions
Service Provisioning Device. According to claim 9,
The target insurance money processing unit,
When insurance claim history information matching the scraped first treatment detail information does not exist in the insurance information and the treatment amount information of the first treatment detail information is equal to or less than a certain amount, the first treatment detail information Generating the automatic claim target insurance money information matching to
Service Provisioning Device. According to claim 9,
The automatic claim target insurance money information includes detail information and amount information of actual loss insurance money unpaid to the portable terminal user due to missing claims
Service Provisioning Device. In the method of operating a portable terminal,
The step of installing the application for automatic claim of the missing actual loss insurance;
Scraping (SCRAPING) treatment history information of a medical institution server by using user registration information registered in a service providing device through the application;
matching the scraped medical treatment detail information with insurance information collected in correspondence with the user registration information, and generating automatic claim target insurance money information corresponding to the medical treatment detail information; and
Including the step of outputting the automatic claim target insurance money information,
obtaining a receipt image captured by the portable terminal or text information extracted from the receipt image as evidence for claiming insurance money corresponding to the insurance money information subject to automatic claim; and
Further comprising generating and transmitting claim data based on the evidence and the user registration information to an insurance company server,
An interface for capturing the receipt image is displayed by receiving a signal notifying capture from a device located at a storage location of a hospital or pharmacy and providing a beacon function at the storage location, so that the user can view the receipt image in advance. Further comprising the step of inducing to shoot
A method of operating a portable terminal. delete delete delete

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