KR20020016064A - The method and apparatus for agreement on compensation in internet - Google Patents

Abstract

PURPOSE: An insurance fee agreeing method using the Internet is provided to always agree an insurance fee through the Internet without the temporal and spatial limits by automatically informing a compensation manger of an electronic agreement and paying the agreed money through an online if the injured shows an intention to agree the decided money and the agreement. CONSTITUTION: The insurance fee agreeing system consists of an injury computer(100) checking the compensation money and the agreement paid by an insurance company and showing an intention to agree, a compensation manager terminal(120) registering the data related to an insurance company to be agreed through the Internet, requesting a calculation of money to be paid as an insurance fee, and transmitting data for requesting to pay the agreed compensation money by receiving the intention to agree from the injury computer, a host computer(130) calculating the compensation money, requesting to pay the insurance fee to an account through a common bank network(150), and converting the agreed accident data into an agreement file, and a web server(110) deciding the connection by displaying the converted agreement to the injury computer and transmitting the intention to agree to the compensation manger terminal.

Description

The method and apparatus for agreement on compensation in internet}

The present invention relates to a technology for expressing an intention by means of an electronic document based on the Internet, and more particularly, by expressing the intention through an electronic document through a series of agreements on payment and receipt of insurance claims between parties involved in an insurance accident. The present invention relates to a method and apparatus for settlement of insurance claims through the Internet which enables not only the convenience of customers but also the efficient handling of insurance personnel.

Recently, due to the rapid development of Internet technology and the spread of use, almost all industries are using the Internet to handle their work more conveniently and quickly. In particular, in response to the use of the Internet in the field of services, it is easily applied to insurance-related tasks, so that customers and insurance managers are receiving a lot of responses.

In addition, various expressions of opinions, such as the conclusion of contracts through electronic documents, are becoming common on the Internet, and social consensus on the legality of the expressions of such expressions through electronic documents is also spreading and realizing.

Conventional insurance-related consensus methods using the Internet technology include an insurance company operating its own website, and constructing a homepage to store various insurance-related forms as well as guides and explanations of various insurance products serviced by the company. It is provided to those who need it.

If a customer who wishes to express his / her intention to agree to a claim agrees to use the Internet, the customer first visits the insurance company's website using a computer connected to the Internet, opens the homepage, and then searches for the agreement form. The agreement form stored in the form of a predetermined document file is downloaded to a predetermined directory of the own computer.

The downloaded agreement form was printed on paper using a printer, and the necessary part of the agreement was filled out and then sent to a representative of the insurance company by fax (FAX), indicating the intention to agree to the insurance money.

However, such a conventional method of settlement of insurance claims using the Internet has been a problem, and the inconvenience is that the settlement party to agree directly writes on the printed agreement form, and a fax device for transmitting the agreement to the insurance officer must be provided.

As another method for the settlement of insurance claims using the conventional Internet, the parties to the agreement can access the Internet by signing electronic documents on the Internet, and then sign and transmit the electronic documents for settlement.

However, this method also had a problem in that the webmaster checks the electronic document and sends it back to each person in need of inconvenience and management personnel.

The present invention is to solve the above-mentioned problems of the prior art, the purpose of which is to access the insurance company via the Internet, if the victim expresses the agreement to the settlement amount and settlement contents, the corresponding electronic document to the compensation process manager By providing automatic notification and depositing settlement amount online, it is possible to settle the agreement at any time through the Internet without time and space constraints, and to provide a method and device for settlement of insurance claims through the Internet to increase the work efficiency of insurance officers and enhance customer convenience. .

1 is a block diagram of a claim settlement apparatus through the Internet according to the present invention,

2 is a schematic flowchart of the insurance settlement process through the Internet according to the present invention,

3 is a detailed flowchart of the insurance settlement process through the Internet according to the present invention,

4A is a view showing a settlement amount calculation screen according to an embodiment of the present invention;

4B is a display diagram of a login screen of an internet consensus system according to an embodiment of the present invention;

4C is a view showing a screen displaying a list of possible Internet agreements according to an embodiment of the present invention;

Figure 4d is a screen display of the content of the Internet agreement according to an embodiment of the present invention,

Figure 4e is a screen display of the Internet agreement in accordance with an embodiment of the present invention,

4F is a screen display diagram of an Internet consensus fact transmission mail according to an embodiment of the present invention.

<Description of Symbols for Major Parts of Drawings>

100: consensus computer 110: web server

120: compensation officer terminal 130: host computer

132: online server 133: settlement calculation unit

136: agreement database

In order to achieve the object of the present invention, the insurance settlement process through the Internet according to the present invention is performed by accessing the insurance company's web server through the Internet from the computer of the contractor who will receive the insurance money from the insurance company. A first step of inputting a second step, a second step of reading agreement contents of an event corresponding to the inputted consensus identification information from an agreement contents database and displaying them on a web browser of the agreement computer; and If the user agrees to the agreement displayed on the web browser, the third step of inputting the account information of the bank to receive the insurance money on the corresponding home page, and inputting data indicating the intention to agree to the agreement, and inputted from the computer of the agreement Disclosure agreement on bank account information and agreement on the computer And a fourth step of transmitting the data to the web server and transmitting the information to the compensation person's terminal, and confirming the agreement of the agreement displayed on the compensation person's terminal and requesting the deposit to the bank account of the settlement party through the host computer. It is characterized by consisting of five steps.

In order to achieve the object of the present invention, the insurance settlement apparatus via the Internet registers the relevant information of the insurance case subject to the Internet settlement, requests the calculation of the insurance payment amount, and receives the settlement doctor data from the settlement computer via the Internet. Compensation terminal for transmitting the payment request data of the compensation amount agreed upon according to the above, and stores the relevant information of the subject of the Internet settlement sent from the compensation terminal, calculates the compensation settlement amount, and deposits the requested insurance payment to the bank account In addition, the host computer for reconstructing the information related to the Internet settlement object and converting the information into a predetermined agreement document file, and registering the agreement converted by the host computer on a predetermined homepage and displaying the information on the agreement computer connected to the Internet, Input via the internet from the consensus computer It is characterized in that it consists of a web server that reads the user identification information to determine whether to connect, and transmits the agreement indication data of the consensus to the compensation manager terminal.

The present invention made as described above will be described in detail with reference to the accompanying drawings.

1 is a block diagram of an insurance payment settlement apparatus through the Internet according to an embodiment of the present invention, the agreement computer (100) connected to the Internet to check the compensation amount and the agreement paid by the insurance company and display the agreement ), The relevant information on the insurance case subject to the Internet settlement, requesting the calculation of the insurance payment amount, and receiving the settlement request data from the settlement computer 100 through the Internet, the payment request data of the agreed compensation Compensation officer terminal 120 for transmitting the information, and the related information of the Internet settlement subject transmitted from the compensation officer terminal 120 to calculate the compensation settlement amount, the payment request insurance premiums through the bank common network 150 In addition to requesting a deposit into the account, the host computer 130 reconstructs the information related to the Internet settlement object and converts the information into a predetermined agreement document file (130). And the agreement form converted by the host computer 130 on the predetermined homepage and displayed on the agreement computer 100 connected to the Internet, and the user identification information input through the Internet from the agreement computer 100 is read. And determine whether to connect, and the web server 110 transmitting the agreement intention display data of the consensus to the compensation manager terminal 120, and the agreement display and settlement account information of the agreement sent from the web server 100 It consists of a mail server 140 to store in the compensation person address of the case.

Here, the host computer 130 is a database for the settlement amount calculation unit 133 for calculating a settlement settlement amount according to the case information input from the compensation officer terminal 120, and the data necessary for the agreement input from the compensation officer terminal 120 The agreement contents database 136 and the settlement contents calculated by the settlement calculation unit 133 and the settlement contents stored in the settlement contents database 136 are converted into a predetermined agreement document file, and the web server 110 is converted into a predetermined agreement document file. In addition to the transmission, it is composed of an online server 132 to transfer the settlement to the bank account of the consensus through the bank common network 150 in response to a request from the compensation officer terminal 120.

The operation according to the embodiment of the present invention configured as described above will be described in more detail with reference to FIGS. 1 to 4F as follows.

First, the insurer receives the accident (S102), the accident investigation and the damage investigation (S104) (S106) and then pay the insurance through the compromise process (S108) agreed with the insured.

If the consensus is willing to agree over the Internet (S110), the consensus checks his insurance premiums and agreement terms after accessing the Internet through the computer 100 to the web server 110 of the insurance company. If the consensus is satisfied, the consensus will be displayed through its own consensus computer. (S114) If the consensus is not willing to agree on the Internet, or if the consensus fails to agree on the terms and conditions confirmed through the Internet, the conventional off-line etc. In this way, when the agreement between the insurer and the consensus is made, the insurer pays the insurer (S118).

Here, the compensation officer in charge of the case of the insurance company to pay the insurance premiums to calculate the insurance payments by accessing the host computer 130 to calculate the insurance money.

That is, the compensation officer accesses the host computer 130 using his terminal 120, inputs the compensation for damages such as injury data, suspension of damage, damage data, funeral expenses, and treatment expenses such as anticipated treatment expenses and future treatment expenses, and then calculates settlement amount. If requested, the settlement amount calculation unit 133 is automatically calculated and displayed on the compensation officer terminal 120. In addition, if the case is a case where the Internet agreement is possible, the compensation officer indicates that the case through the terminal 120 is the case that the Internet agreement is possible. As an example thereof, as shown in FIG. 4A.

The contents of the settlement insurance premium, the personal details of the contractor, the date and place of the accident, the settlement terms related to the payment of the insurance payment, etc., calculated at the request of the compensation officer terminal 120, are recorded in a database for each record, and the contents of the settlement insurance database 136 Save it.

The agreement contents stored in the agreement contents database 136 are read at the request of the web server 110, are automatically converted into a predetermined document file, registered on the homepage, and displayed on the agreement computer 100 through the Internet. .

In this process, the compensation officer finishes the registration of the settlement and the contents of the settlement.

Referring to Figure 3 the process (S110 ~ S114) for the consensus to indicate the consensus on the Internet in Figure 2 as follows.

The contractor who receives the insurance money from the insurance company opens a web browser on the consensus computer 100 via the Internet, accesses the Internet, and then enters the URL (Uniform Resource Locator) of the insurance company. Access to the (110) and display the corresponding homepage on the web browser of the consensus computer (S210).

On the homepage displayed in the web browser of the consensus computer 100, the user identification information, that is, the identity of the consensus, such as a social security number or a name, is checked and then logged in to the Internet consensus system (S214).

As an example, the login screen is displayed on the homepage as shown in FIG. 4B.

The logged in consensus displays a list of events that can be agreed on the Internet. As an example, as shown in FIG. 4C, a single Internet agreement possible event related to a car accident is registered on the homepage of the Internet consensus system, and the outline contents (accident date and time, offender, offender, accident place, etc.) together are included. Display.

The consensus selects an agreement to be agreed on the Internet. (S216) If the selected event is related to an automobile-related accident, the details of the agreement are displayed on the consensus computer 100 (S218).

In the process of displaying the agreement contents on the consensus computer 100, when the Internet consensus event is selected from the consensus computer 100 on the web server 110, the host computer 130 requests consensus-related information of a corresponding case. The online server 132 receiving the request for transmission of the agreement reads a record corresponding to the requested event from the agreement content database 136 and sends the agreement to the web browser of the agreement computer 100 through the web server 110. Display on (S218).

The details of the agreement displayed on the homepage display the victim's / perpetrator's name and address, the date and time of the accident, the location of the accident, the number of the perpetrated vehicle, the amount of the agreement and the terms of the agreement.

If the consensus confirms the displayed agreement and agrees, enter the bank name, depositor's name, and deposit account number in the insurance transfer bank account number entry on one side of the homepage, and click the consent button at the bottom of the homepage. The consent to the agreement is displayed. (S220) (S222)

As an example, a screen as shown in FIG. 4D is displayed on the home page.

If the consensus indicates the intention to agree on the contents of the agreement, an electronic agreement on the case is automatically generated and displayed on the screen of the consensus computer (S223).

Here, the electronic agreement can be prepared by the agreement's unique code for the accident, the name of each victim and the perpetrator and the address of the accident, the location of the accident, the vehicle number of the accident, the agreement details / conditions, the amount of payment, the name of the perpetrator or the agent, the date of settlement, the deposit. Along with the bank account information, the message "Normally agreed" is displayed on the homepage.

As an embodiment of the agreement, a screen as shown in FIG. 4E is displayed on the homepage.

The agreement and automatic agreement generation process converts the data read from the agreement database by the online server 132 into web data using the "CPT (CISS Programer Tool-kit)" technology and transmits it to the web server 110. Display in the designated position of the homepage.

As such, the electronic agreement by the consensus is transmitted to the web server 110 through the Internet, and the web server 110 transmits the compensation agreement terminal 120 corresponding to the agreement.

Information transmission from the web server 110 to the compensation officer terminal 120 uses the in-house mail server 140. That is, the electronic agreement data of the consensus entered in the web server 110 is stored in the mail account of the compensation officer assigned to the mail server 140. The compensation officer checks the electronic agreement stored in his mail account through the mail browser of the terminal 120. (S226)

As an example, as shown in FIG. 4F, a screen for confirming the fact of agreement is displayed on the compensation officer terminal 120.

In order to make a deposit to the bank account number of the consensus registered in the electronic agreement confirmed by the compensation officer terminal 120, the host computer 130 transmits information necessary for account transfer such as a bank name, an account number, an account holder, and a transfer amount. The online server 132 of the host computer 130 requests a deposit through the bank common network 150 according to the received bank transfer information.

Here, if the consensus computer 100 displays the consensus intention on the Internet, in case of accessing the insurance company in the Tellet environment rather than the web environment, the Internet consensus is made through the insurance company's Telnet server (not shown). The agreement contents and agreement document information are transmitted in text so that the intention can be expressed, so that the agreement can be expressed in the agreement even in the telephone environment.

As described above, the method and apparatus for agreeing insurance claims through the Internet according to the present invention can be agreed at any time through the Internet without time and space constraints, thereby increasing the work efficiency of the compensation person and enhancing the convenience of the customer. In case of dispute after settlement, if there is an agreement to prevent post-dispute due to the failure of the agreement and to settle through fax (FAX), it is possible to improve the trouble of sending / receiving faxes of compensation officers and victims.

Claims (7)

A first step of accessing a web server of an insurance company through the Internet from a computer of an agreement that receives the insurance money from the insurance company, and inputting identification information of the agreement on the Internet agreement homepage; A second step of reading the agreement contents of the incident corresponding to the inputted consensus identification information from the agreement contents database and displaying them on a web browser of the agreement computer; A third step of inputting the account information of the bank to receive the insurance money on the corresponding home page after agreeing the agreement displayed on the web browser of the agreement computer, and inputting data indicating the intention to agree to the agreement; A fourth step of displaying the agreement according to the account information and the agreement contents of the bank inputted from the agreement computer on the agreement computer, transmitting it to the web server, and then transmitting the agreement to the compensation officer terminal; And And a fifth step of confirming the agreement of the agreement displayed on the compensation person's terminal and requesting the deposit to the consignor's bank deposit account through a host computer. The method of claim 1, wherein the process of generating and displaying the agreement in the second step comprises the steps of requesting the payment of the insurance premium according to the accident processing expenses by the compensation officer terminal of the insurance company connected to the host computer; Displaying the payment insurance calculation result on the compensation officer terminal and storing data necessary for agreement entered through the compensation officer terminal in the agreement contents database; And When the web server requests the Internet agreement, the insurance money through the Internet comprising the steps of reading the data on the case from the agreement content database, converts it into a predetermined Internet agreement document file and transmits it to the web server. How to agree. The method of claim 2, wherein the agreement is the location of each fixed screen for the personal information of the insurance-related a / the victim, the date and place of the accident, the amount and amount of insurance to be paid, and the terms and conditions of payment related to the insurance payment, which are input through the compensation officer terminal. Claims settlement method via the Internet, characterized in that for generating a document file to display on. The method of claim 1, wherein the agreement of the agreement sent to the web server in the fourth step, and the payment bank account information is stored in the mail account of the compensation officer assigned to the mail server of the insurance company. How to agree on benefits. Compensation terminal device that registers the relevant information of the insurance case subject to Internet settlement, requests the calculation of the insurance payment amount, and transmits the payment request data of the agreed compensation amount when receiving the settlement doctor data from the consensus computer through the Internet. ; It stores the information related to the Internet settlement subject transmitted from the compensation person's terminal, calculates the compensation settlement amount, requests the payment of the requested insurance money to the relevant bank account, and reconstructs the information related to the Internet settlement subject matter to the predetermined agreement document. A host computer for converting to a file; And The agreement converted by the host computer is registered on a predetermined homepage and displayed on the agreement computer connected to the Internet. The agreement computer reads the user identification information input through the Internet to determine whether to connect or not. Claims settlement apparatus over the Internet, characterized in that the web server for transmitting the display data to the compensation manager terminal. The apparatus of claim 5, wherein the host computer comprises: an settlement amount calculator configured to calculate a settlement settlement amount according to event information input from the compensation officer terminal; An agreement content database for storing and storing data necessary for agreement entered from the compensation officer terminal; The settlement amount calculated by the settlement calculation unit and the settlement contents stored in the settlement contents database are converted into a predetermined agreement document file and transmitted to the web server, and at the request of the compensation person's terminal, the settlement partner's bank through the bank common network. Claim settlement apparatus via the Internet, characterized in that it comprises an online server for transferring the settlement to the account. 6. The method of claim 5, further comprising a mail server that assigns an account to a compensation officer to store the settlement intention indication data and settlement account information of the settlement party sent from the settlement computer in addition to the web server. Claim settlement device via internet.