KR20020084654A - Compensation processing method and device through network of auto insurance - Google Patents

Abstract

PURPOSE: A method and device for processing a compensation through a network of a motor insurance is provided to reduce a supply processing time of an insurance money by connecting an insurance company to a maintenance company using a network and transmitting photograph data of a vehicle and estimate contents for checking an accident vehicle rapidly and accurately and managing a repaired vehicle. CONSTITUTION: If a vehicle accident generation is received from an insurance client through a mobile communication device and a wire device, a vehicle maintenance company is designated and an entrance of an accident vehicle is induced. A person in charge of the accident is designated and receives an initial vehicle damage photograph, an image of a maintenance progressing state of the vehicle, and an estimate data from the vehicle maintenance company. The charged person receives the data by operating a web folder connection program, decides a compensation payment, and pays the compensation payment to the vehicle maintenance company by referring to the received data through a web folder in a server(D40). Computers(C10-C30) of the vehicle maintenance company transmit the estimate contents and image data through a network.

Description

Compensation processing method and device through network of auto insurance {omitted}

The present invention relates to the accident handling and insurance payment system of the insurance company's automobile insurance, the photo data management and transmission system of the industrial company, and more specifically, a maintenance company for the identification and management of repaired vehicles and accident vehicle with auto insurance The present invention relates to a method and a device for managing compensation through economic efficiency for managing the repair vehicle's date in a shortest period of time, using the network between the insurance company and the insurance company more reliably and efficiently.

Conventionally, when a car with a car insurance accident occurs and claims insurance, it is essential to check the vehicle in paying the insurance. In this method, a method such as direct travel of employees and e-mail transmission has been used.

Figure 2 is a flow chart of the insurance payment processing process when an accident occurs in a conventional automobile insurance vehicle, described with reference to this as follows.

When a driver who is driving a car insured has a traffic accident, he / she first calls the insurance company of his car insurance using a wired or mobile communication terminal and receives the accident. (C1)

The call center and compensation center of the insurer who received the accident are notified of the accident from the claimant, select an arbitrary maintenance company, and the maintenance company sends a tow vehicle to the accident site to receive the accident vehicle (C2).

Meanwhile, the insurance company checks the contract status such as checking the insurance contract relationship or the coverage of the driver who drove the received accident vehicle. When the insurance contract is confirmed, the team and the person in charge of the treatment center are selected and the case is assigned, and the person in charge investigates the accident by visiting the on-site and auto repair company and checking the vehicle (C3).

In addition, the person in charge visits the repair shop where the accident vehicle is in stock, checks the work process and repair status of the accident vehicle, and takes photographs and leaves the data to continuously manage the repair process during the repair period of the accident vehicle. (C5)

The repair fee for the repaired vehicle (parts, labor, etc.) will be claimed by the repair company that repaired the vehicle. The person in charge of compensation decides the amount of damage and the insurance amount with reference to the insurance repair fee. (C6)

Payment of the decided benefits shall be made using Cash Management Service (CMS) or wire transfer (C7).

After payment of insurance premiums, the insurance process is terminated after confirming that the repaired vehicle is free from defects (C8).

As described above, when an insured vehicle has an accident, the insurance money is determined and paid through the process from receiving the accident to handling the accident.

However, the conventional car insurance process is delayed in checking and repairing damaged vehicles in proportion to the position and distance between the insurance company and the maintenance company until the initial vehicle confirmation after the accident is received. Due to the increase of business expenses such as delay of business process and travel expenses, economic losses are incurred, and it is not possible to revive the service aspect of customers requiring prompt confirmation of damaged vehicles, Due to the difficulty of using the keyboard and the inability to confirm the arrival of the transmission mail, there are problems such as leakage of the work, the economics of the management of the damaged vehicle photo of the auto repair company, and the difficulty of the post-management of the insurance paying vehicle.

The present invention is to solve the above-mentioned problems of the prior art, the purpose of which is to share a single common space using an insurance company and maintenance company network network so that the accident vehicle can be quickly and accurately confirmed and the repair vehicle management It is possible to reduce the manpower consumption by preventing work delays and leaks by shortening the payment processing time of insurance claims and promptly confirming it by sending photo data of the vehicle and sending the estimate contents. In providing.

1 is a block diagram of an automobile insurance compensation processing apparatus according to an embodiment of the present invention;

2 is a flowchart of a compensation process when an automobile accident occurs according to a conventional method;

3 is a flowchart illustrating a compensation process of an automobile insurance according to an embodiment of the present invention.

FIG. 4 is a flowchart illustrating a process of transmitting images and estimate data of an accident handling vehicle in FIG. 3.

※ Explanation of symbols for main parts of drawing

B00: Digital cameras C10 ~ 30: Maintenance companies and partner computers

D40: Data storage server on network

E50: Office computer E60: Mobile communication terminal (CDMA2000, etc.)

E70: Internet connection point such as home and PC room

Compensation process of car insurance according to the present invention to achieve the object of the present invention is to receive a car accident from a customer who has a car insurance over the telephone or the Internet, the registered maintenance company is the first photograph taken with a digital camera and (B) transferring data and quotations of converted image data of the repaired vehicle's repair status to a virtual storage space (hereinafter, abbreviated as "web folder") of the internet and network network (C102). After checking the access repair progress management (C104) and the corresponding picture and estimate data through the Web folder, the premium is paid and managed (C105).

When described in detail with reference to the accompanying drawings an embodiment of the present invention made as follows.

1 is a block diagram of a compensation processing device of a car insurance for implementing the present invention, the compensation processing device of a car insurance maintenance as a vehicle accident is received through a mobile communication device and a wired device for a customer who has a car insurance Designate the company to induce the receipt of the accident vehicle, and the accident handling officer receives a dividend and immediately starts the web folder access program for the first vehicle damage photograph and the image and quotation data of the damaged vehicle repair progress status immediately upon receipt of the accident vehicle from the maintenance company. The server is responsible for determining the amount of compensation through the transmission data downloaded from the web folder access program and providing at least one web folder for paying the amount of compensation to the service provider online (D40). It consists of maintenance company computers C10 to C30 that transmit image data through a network.

Referring to Figures 1 to 4 attached to the operation according to an embodiment of the present invention configured in detail as follows.

First of all, if a customer who has a car insurance has an accident while driving an insurance vehicle, the accident company receives a accident by using a communication device such as a mobile communication device and a landline.

When a customer receives an accident to receive an accident, the receiver receives the accident according to the guidance of an automatic telephone answering system (ARS).

Based on the current location of the customer's car accident, select the maintenance company and request the receipt of the accident vehicle.If there is a request for the receipt of the accident vehicle using the contractor's list of contractors by region, Request a receipt from the mechanic.

On the other hand, the accident handling person according to the company of the accident vehicle is automatically allocated.

The designated maintenance company will send the pre-repair image data of the received vehicle through the web folder after receiving the customer's accident vehicle through the corresponding maintenance computer (C10 ~ C30), and immediately check the damage state of the vehicle before repairing the accident vehicle. Inform the maintenance company's computer of the guarantee of payment such as repair compensation scope.

4 is a process of transmitting data of a damaged part of a corresponding vehicle from a maintenance company computer C10 to C30 to a web folder (D40).

As such, the maintenance company computer C10 to C30 converts the damage state of the vehicle into image data according to the payment guarantee (C201), and transmits it through a web folder provided through the network (D40).

To this end, in the maintenance company computer (C10 ~ C30), after checking the ID and password previously entered through the access program (C202), the prepared web folder is displayed directly on the maintenance company computer. (D40)

The maintenance company computer (C10 ~ C30) transfers data such as photos and other quotations to the web folder displayed on the screen (D40). (C203) It is possible to check the transmitted data and detect an error. It is displayed on the maintenance company computers C10 to C30.

On the other hand, the insurance company checks the ID and password already entered through the access program on the computer (E40 ~ E60) capable of networking such as mobile communication equipment in the same way as the maintenance company, and then accesses the web folder by clicking the access button and the estimated data (C204) Compensation for the case is concluded by determining the damage compensation and payment insurance, and paying it via online deposit or CMS to the company that repaired the accident vehicle.

As described above, according to the present invention, the insurance processing process of the conventional car insurance is delayed in proportion to the distance from the receipt of the accident to the initial vehicle confirmation, and delays in the repair confirmation of the damaged vehicle and frequent business trips. Due to the increase in business expenses such as expenses, it causes economic loss, and it is not revived in the service aspect of customers who need quick confirmation of damaged vehicles, and the difficulty and transmission of the user's keyboard using the text input method of email transmission method Due to the inability to confirm the arrival of the e-mail, the leakage of work is occurring, the economical efficiency of the photo maintenance of the automobile maintenance company, and the problem of the post-management of the insured vehicle were difficult. To manage economic leaks through web folders It is possible to promptly process and manage and reduce the incidence procedures during the repair period, thus enabling more in-depth investigation in the accident investigation and ensuring more precise damage assessment ability for vehicle accidents with high task difficulty. The effect is to maximize.

Claims (3)

In the process of processing and proceeding the insurance accident, the step of creating a shared and storage space on the network to confirm the receipt of the accident vehicle and to exchange data such as compensation or burn and estimate data between the maintenance company and the insurance company: The use of shared and storage space on the network in the insurance company's management of insurance accidents and repairs of accident vehicles: In claim 1, in the process of insurance accident management and management, an access program and a keyword for creating a connection program for accessing the virtual space without running a web browser (Explorer, Netscape, etc.) at the stage of the Internet connection to access the virtual space. step: In claim 1, in order to access a virtual space in insurance accident processing and management, a web browser (Explorer, Netscape, etc.) is run at the stage of Internet access, and the user is connected to the corresponding homepage to confirm his / her identity by manipulating keywords. Steps to Handle and Manage Insurance Incidents: All steps to confirm, repair and determine the repair of the accident vehicle through data such as burns and estimates sent from the maintenance company in insurance accidents through claims 1 and 2: Any step of organizing a web folder between the insurer and the maintenance company to use claim 2