KR20030053243A - Online Insurance Claim System - Google Patents

Abstract

PURPOSE: A system for claiming insurance through the online is provided to enable a user to always read a stipulation of the insurance contracted by a user on the online, to automatically calculate the claim amount and range, and to minimize the time/financial cost by making a policyholder pay the premium and claim the insured money through the online. CONSTITUTION: A member(2) registers a contract condition to the database(6) of an online insurance claim system(4) by connecting to the system(4) through an RA(Registration Authority) certificate. The system(4) confirms the correct insurance contract information by inquiring to an insurance company, stored it in the database(6), and informs it to the member(2). The member(2) registers the insurance contract information to the system(4). When the member(2) requests the insured money to the system(4), the system(4) requests an insurance claim related document to an insurance claim related document issuance organization(8). The system(4) fixes a claim standard and a claimed insured money, and requests the insured money to an insured company. The insurance company pays the insured money by comparing the insurance claim related document, a claim document, a claimed insured money, the RA certificate, and a CA certificate.

Description

Online Insurance Claim System {Online Insurance Claim System}

In the case of the existing claim, the insurer visits the relevant institution and receives the insurance claim documents, visits each insurance company, fills out the insurance claim documents and claims application form, and makes a claim with the seal and bankbook. It was only possible.

In order for the insured to obtain insurance claim documents such as a fact checker or medical certificate from the National Police Agency or a hospital, the insured had to request in person or to send it in the mail. Therefore, in order to issue the insurance claim documents, the insured had to pay the time / monetary cost to visit the agency for issuing the insurance claim documents, and it required a lot of time to receive the claim documents by mail. There was also the hassle of going to a financial institution to remit the issuance fee.

Even if the insured had been issued a claim document, he had to visit the insurance company to claim the claim and submit a claim, bankbook, and claim document. Therefore, the insured must pay time / monetary costs because the insured had to prepare each claim-related document when the insurer had several insurance contracts covering the reasons for the claim, and had to visit the issuer to obtain a seal certificate. I had to.

If the insured was unable to act, the claim had to be delegated to the delegator who had to pay the time and money to visit each of the document issuers to prepare the delegation documents for the claim.

Due to the nature of claims being paid only after the application, the insured had a subscription insurance for the reason for the claim. However, the insured had forgotten the insured insurance, so many cases were missed in the claim. Due to the small amount, the claimant was issued with the claim documents, and it was difficult to pay the time / monetary cost of visiting the insurance company.

Even if the insured found out that the insured insurance could be claimed, the insured had to be issued a claim document and suffer the time / monetary cost and inconvenience of visiting the insurer.

In addition, depending on the type of insurance covered, the benefits may be paid in installments, or the insurer may fully cover medical or repairs, so that the insured can receive the benefits without paying for them, or use the insured's own expenses for treatment or repair. In many cases, the insured did not know about various forms of payment, such as making a temporary claim to an insurance company.

The present invention provides the insurer with the time / monetary costs associated with issuing insurance claims, the time / monetary costs required to visit the insurance company for claims, and the time / monetary costs incurred in preparing documents to prove delegation if the delegate is delegated. Costs, damages for which you have forgotten your insurance or don't know the terms and conditions, missed claims due to more time / monetary costs associated with claims, and lost documents due to missing claims. In order to solve the problem of financial and financial difficulties in not knowing the time / monetary costs and insurance payment forms for issuing documents, the application and receipt of insurance claim documents are issued online. Application and receipt of documents can be made by email or online using CA or RA certificates. Given the proven security and functionality, and minimize the time and shorten documents the issuing authority and the monetary cost of the documents issued in the applicant claims to receive.

The problem of delegating delegates can be solved by proving that the online insurance claim system acts on behalf of the insured through the CA, RA certificate.

Missing claims arising from the insured's not knowing the insurance or not knowing the terms and conditions will make each insurer's database available to the subscriber through this online insurance claim system collectively. Introduces search and retrieval of indemnity provisions and terms and conditions of insurance products from the current insurance company-oriented application to subscriber-oriented, so that insured users can easily search and inquire online so that insureds can search their contract terms and conditions from time to time. do. In addition, the online insurance billing system searches each insurer's subscription insurance based on the information entered by the insured, notifies the insured's contract terms and conditions, and easily finds a billable insurance contract that could not be managed. To make it work.

Based on the information provided by the insurer, the online insurance claiming system extracts and stores the contractual terms and conditions of the insurer and receives them online using CA and RA certificates when the insurer has a reason for claiming insurance. Inform the insured person of the claim amount calculated on the basis of the proof of claim claim online using the CA or RA certificate, invoice the insurer, and receive the insurance claim online and remit it to the insured's account online. Minimize the time / monetary costs of billing.

If the insured person gives up the claim due to a small amount of the claim to be claimed, the amount of time the insured person takes to issue the missing claim document if the insured person does not know the form of payment and does not know if he or she must use the funds at a later date. Monetary costs can be solved by minimizing the time and monetary costs of the online insurance claim system and by automatically providing insurance subscribers with the form of automatic payment and payment.

1 is a configuration diagram of an online insurance claim system service.

2 is a flowchart of an online insurance claim system.

3 is a flowchart of membership registration and certificate issuance.

4 is a flowchart for registering a member's subscription insurance account.

5 is a flow chart for bank account registration.

Figure 6 is a flow chart for the application for insurance claims related documents using the certificate.

7 is a flow chart for claim claims using a certificate between a member and an online insurance claim system.

8 is a flowchart of claims using the certificate between an online insurance claim system and an insurance company.

Fig. 9 is a flow chart of a corporate payment arrangement for charging the cost of medical care or repair insured at a hospital or a maintenance factory.

Explanation of symbols on the main parts of the drawings

1: General / Corporate member wishing to join the online insurance claim system

2: General / corporate member with online insurance claim system

3: server responsible for the Internet service of the online insurance claim system

4: System that consists of member management server, DB, RA server for member management and insurance claim receipt and billing agency

5: Server that manages and operates the member information

6: Database to store membership information and insurance related matters

7: Registration Authority (RA) Certificate and Electronic Signature Issuance / Management / Certification Server which authenticates the application of documents not related to money transaction, sending / receiving documents, notification of processing result, etc.

8: Agency for issuing insurance claims related to insurance claims, such as the National Police Agency, which issues proof of facts such as traffic accident checkers, hospitals that issue proof of facts, etc., and repair shops that calculate vehicle damage and repair costs

9: Online bank account using other currency / electronic banking / local bank joint network

10: Bank account of foreign bank, not domestic bank

11: insurance company of the member's insurance

12: Certification server of the authority in charge of issuing, managing, and authenticating a Certificate Authority (CA) certificate and electronic signature that is certified as a function of remittance, receipt of money transactions, and seal of other documents.

M1: Membership and Certificate Issuance Module

M2: Member's Subscription Insurance Account Registration Module

M3: Bank Account Registration Module

M4: module for applying for documents related to insurance claims using certificates

M5: Claims module using certificates between members and online insurance claim system

M6: claim module using certificate between online insurance claim system and insurance company

M7: Corporate payment configuration module that charges for insured medical or repairs in hospitals or maintenance shops, etc.

* SWIFT (Society for Worldwide Interbank Financial Telecommunication): Interbank Information, which has been in operation since 1977, established in 1973 in Europe and North America, to handle payments and message exchanges with foreign banks quickly, cheaply and securely. Currently, 6683 banks in over 200 countries are participating in the network.

* CA (Certification Authority): An institution that has a certification system, manpower, and technology that can fairly and safely perform certificate issuance and certification-related records according to the Digital Signature Act. Is an accredited certification body that issues a public certificate to prove that it matches a digital signature generation key owned by the certificate subscriber.

* RA (Registration Authority): An organization that performs tasks such as issuing certificates, suspending the certificate, resuming the certificate, revoking the certificate, and accepting the certificate. For example, an institution, such as a bank or branch office, that provides services for Internet banking and issues certificates for Internet banking.

1 is a representation of the overall service progress.

The general member or the company member joining applicant 1 accesses the Internet service server 3 and registers as a member 2 in the member management server 5 and registers the member information in the DB 6. If membership registration is confirmed, RA certificate is given from RA server 7. The member 2 accesses the online insurance claim system 4 with the RA certificate and registers the contract terms of the insurance he has subscribed to in the DB 6 of the online insurance claim system 4.

Once registered, the online insurance claiming system uses the RA certificate issued from the RA server 7 and the CA certificate issued from the CA server 12 of the CA certification authority to inquire the insurance company 11 and register the member. (2) Check the accurate insurance contract information and the terms and conditions of the contract, store them in the DB (6), and notify the general member or corporate member (2).

The general member or the corporate member 2 confirms the inquired insurance contract information and finally registers it in the online insurance claim system 4.

When claiming a claim, a general member or corporate member (1) sends a claim request including an RA certificate to the online insurance claim system (4). The online insurance claim system (4) provides insurance for police, hospitals, and maintenance shops. The request for issuance of insurance claims, including the RA certificate, is sent to the claim issuing authority 8. Documents issued by the insurance issuing document issuing agency 8 are sent to the online insurance claim system 4 including the RA certificate. The online insurance claim system (4) then determines the billing criteria and billing insurance amount against the member's insurance contract information based on the issued insurance claim-related documents. Including insurance claims to the insurance company (11).

The insurance company 11 examines the insurance related documents, invoices, claims insurance amount, RA certificate and CA certificate sent by the online insurance claim system 4 and pays the insurance money to the account registered in the online insurance claim system 4. The online insurance claim system 4 transfers the received insurance money using the bank common network 9 to the member's 2 bank account, including the RA certificate and CA certificate, and notifies the member 2 of the processing result. If the member's bank account is an overseas bank, the funds are sent through the SWIFT network.

2 is a flowchart of an online insurance claim system.

The general member or the corporate member desiring member 1 connects to the Internet (S1) and selects a non-member menu (S2). Then, go to membership and select a member to register among corporate members, certificate issuing members, and general members (S3).

The applicant (1) who wishes to apply to the insurance company for the insurance company or the medical institution who has to charge the insurance company for the job is to join the company, and the RA certificate required to apply for documents or claims from the RA server (7) and CA of the CA certification authority. The server 12 receives a CA certificate to be used for seal or monetary application and transaction (M1). After that, install the claim document writing program (S4), charge for the repair or medical service, and register the bank account in the DB (6) to receive (M3) and choose whether to continue or stop using the service ( If you continue to use the service (S5) to log in as a member (2) (S2) or otherwise ends (S8).

Issuance of Documents Related to Insurance Claims The applicant (1) must become a member of the certificate issuer and use the RA certificate to be used for issuance and application of the certificate from the RA server (7) and the issuance fee and financial transactions from the CA server (12) of the CA certification authority. A CA certificate is issued (M1) and a bank account used for issuance fees and monetary transactions is registered in the DB 6 (M3). After that, if you continue to use the service as a member (2) to log in (S2) or use (S8).

The general membership applicant (1) registers as a general member and uses the RA certificate to be used for application and document requests from the RA server (7) and the CA (6) certificate to be used for financial transactions such as claims and payments from the CA server (12). Get issued (M1). Thereafter, the member subscriber registers the insurance account subscribed to the insurance company 11 in the DB 6 (M2) and registers a bank account in the DB 6 to manage the claims and the monetary transaction (M3). After that, if you continue to use the service as a member (2) to log in (S2) or use (S8).

The member 2 accesses the Internet (S1), selects a member among the nonmember 1 and the member (2), selects the member (S2), and checks the member information (S6). When the member information is confirmed and enters the service, one of the claims is claimed, a claim is required to charge the insurer at work, and one of the issuance of a certificate for issuing a document related to the insurance claim is selected (S7).

If member (2) chooses to issue a certificate, he / she will be issued a document related to insurance claim (M4) using the certificate. Claim claim M5 using the certificate between (4) proceeds, followed by claim claim M6 using the certificate between the online insurance claim system 4 and the insurance company 11. When the corporate member (2) who charges for an act of repair or medical service proceeds with the charge, the company's cost insurance claim (M7) proceeds.

3 is a flowchart of membership registration and certificate issuance M1.

The applicant 1 wishes to join the Internet service server 3 online via the Internet (M1S1). The member-subscriber 1 who has connected to the Internet service server 3 makes an application for membership and submits it to the member management server 5 (M1S2). The member information of the member wishing applicant 1 received in the member management server 5 is registered in the DB 6 (M1S3). After the registration is completed in the member management server 5 and the DB 6, the member-subscriber 1 is notified that the user is registered as the member 2 (M1S4). The member 2 logs in to the member management server 5 via the Internet service server 3 with the ID and PASSWORD registered at the time of member registration (M1S5). The member 2 applies for CA and RA certificate for e-mail / insurance / bank for use in the member management server 5 (M1S6). The member management server 5 requests the RA server 7 to issue an RA certificate for email / insurance / banking (M1S7). The RA server 7 issues an RA certificate and applies for issuance of a CA certificate for email / insurance / banking to the CA server 12 of the CA certification authority through the member management server 5 (M1S8). The authorization code and reference number are transmitted from the CA server 12 of the CA certification authority to the RA server 7 (M1S9). The CA server 12 of the CA certification authority registers the certificate issuing application member 2 as a subscriber (M1S10). The RA server 7 transmits the authorization code and reference number received from the CA server 12 of the CA certification authority to the member management server 5 (M1S11). The member management server 5 transmits the authorization code and the reference number received from the RA server 7 to the member 2 (M1S12). The member 2 generates a key pair through the received authorization code and reference code (M1S13). The member 2 requests the issuance of a certificate from the CA server 12 of the CA certificate authority using the generated key pair (M1S14). The CA server 12 of the CA certification authority issues a certificate to the member 2 (M1S15). The CA server 12 of the CA certification authority confirms receipt of the certificate issuance of the member 2 (M1S16). The member 2 and the CA server 12 store the certificate for use (M1S17).

4 is a flowchart for registering a member's subscription insurance account (M2).

The member 2 logs in with the registered ID and PASSWORD when registering with the Internet service server 3 (M2S1). When the member 2 connects to the Internet service server 3, the Internet service server 3 inquires the member 2 information connected to the member information DB 6 (M2S2). When the member 2 connected in the member information in the DB 6 is identified as the subscriber, the member management server 5 is notified that the subscriber is the subscriber (M2S3). The member management server 5 requests the member 2 to input the electronic signature PASSWORD of the certificate to be used for insurance management (M2S4). The member 2 inputs the electronic signature PASSWORD of the certificate to be used for insurance management and transmits it to the member management server 5 (M2S5). The member management server 5 makes a request for verification of the PASSWORD and the certificate inputted by the member 2 to the RA server 7 (M2S6). The RA server 7 notifies the member management server 5 of the confirmation result (M2S7). When the member 2 is authenticated with a PASSWORD and a certificate, the member management server 5 requests the member 2 to register the insurance contents contracted with the insurance contract account subscribed to the insurance company 11 (M2S8). The member 2 inputs the insurance contract account and the insurance contents thereof subscribed to the member management server 5 and stores it in the member information DB 6 (M2S9). The member management server 5 requests the insurance company 11 server to inquire the insurance contract account and the guarantee contents and the member 2 information (M2S10). The insurance company 11 server notifies the member management server 5 of all the subscribed insurance contract accounts and the guarantee contents of the member 2 (M2S11). The member management server 5 compares the insurance contract account and the insurance contents information input by the member 2 in the member information DB 6 with the insurance contract account and the insurance contents information notified by the insurance company 11 (M2S12). . The member management server 5 notifies the member 2 of the comparison (M2S13). If there is a difference between the input of the member 2 and the inquiry of the insurer 11, the result of the comparison is requested to the member for final confirmation so that the member 2 corrects the matters requiring correction and performs final registration (M2S14). If the member 2 approves the final registration, the insurance contract account and the guarantee contents are finally registered in the member information DB 6 (M2S15).

5 is a flowchart for bank account registration M3.

Member 2 logs in with ID and PASSWORD registered when joining the Internet service server 3 (M3S1). When the member 2 connects to the Internet service server 3, the Internet service server 3 inquires the member 2 information connected to the member information DB 6 (M3S2). When the member 2 connected in the member information in the DB 6 is identified as the subscriber, the member management server 5 is notified that the subscriber is the subscriber (M3S3). The member management server 5 requests the member 2 to input the electronic signature PASSWORD of the certificate to be used for bank account management (M3S4). The member 2 inputs the electronic signature PASSWORD of the certificate to be used for bank account management and transfers it to the member management server 5 (M3S5). The member management server 5 makes a request for confirming the PASSWORD and the certificate inputted by the member 2 to the RA server 7 (M3S6). The RA server 7 notifies the member management server 5 of the confirmation result (M3S7). When the member 2 is authenticated with a PASSWORD and a certificate, the member management server 5 requests the member 2 to register a bank account to be traded online (M3S8). The member 2 inputs a bank account to be used for deposit and withdrawal of money and financial transactions in the member management server 5 and stores it in the member information DB 6 (M3S9). The member management server 5 requests the insurance company 11 server and the bank 9, 10 server for inquiry of the bank account requested by the member and transaction registration (M3S10). The bank 9, 10 server and the insurance company 11 server notify the member management server 5 of the bank account confirmation and transaction registration of the member 2 (M3S11). The member management server 5 registers the online bank transaction account in the member information DB 6 (M3S12). The member management server 5 notifies the member of bank account verification and transaction registration (M3S13). The member 2 reviews the confirmation of the bank account and the transaction registration result notified by the member management server 5, and if there is no abnormality, requests for registration (M3S14). When the member 2 approves the final registration, the bank account to be traded online is finally registered in the member information DB 6 (M3S15).

Fig. 6 is a flowchart of the insurance claim related document application M4 using the certificate.

The member 2 connects to the Internet service server 3 (M4S1). The member 2 logs in with the ID and PASSWORD registered at the time of joining with the Internet service server 3, and notifies the member management server 5 that the member 2 is connected to the member management server 5 if the member 2 is confirmed as a subscriber. Permission to apply for the documents (M4S2). The member 2 prepares an application for issuing insurance claims related documents to be submitted to the insurance claim-related document issuing agency 8 and confirming that the online insurance claim system 4 is in charge of applying for the documents (M4S3). The member (2) uses the private key to enter the document issuance application and the power of attorney with the member RA certificate, and replaces the seal with the CA application, enters the password, and electronically signs and sends it to the online insurance claim system (M4S4). ). The online insurance claim system 4 receives an application for issuing insurance claim documents and an electronic signature (M4S5). The online insurance claim system 4 receives the power of attorney for issuing insurance claims and the electronic signature (M4S6). The online insurance claim system 4 checks the private key and the electronic signature of the received member 2 to confirm whether the application for issuing insurance claims and the power of attorney belong to the member 2 (M4S7). The online insurance claim system 4 forwards a request for issuing insurance claim documents, including a power of attorney, to the insurance claim document issuing agency 8 using e-mail and electronic signature (M4S8). The insurance claim-related document issuing agency 8 sends the issued insurance claim-related document to the online insurance claim system 4 using an e-mail and an electronic signature (M4S9). The online insurance claim system (4) stores the insurance claim documents issued from the insurance claim-related document issuing agency (8) in the DB (6) and also applies to the member (2) who applied for document issuance using e-mail and electronic signature. One insurance claim related document is sent (M4S10).

7 is a flow chart for claims claim M5 using a certificate between the member 2 and the online insurance claim system 4.

The member 2 accesses the online insurance claim system 4 via the Internet service server 3 (M5S1). After accessing the online insurance claim system (4), the member (2) logs in with the ID and PASSWORD registered when registering with the member management server (5), and the member (2) connected from the member information in the DB (6) confirms as a subscriber. If the member management server (5) is notified that the subscriber and the insurance claims are given (M5S2). The member 2 prepares an insurance claim (M5S3). After completing the claim form, the member (2) enters the password using the private key to prove the claim with the RA certificate and replace the seal with the CA application (M5S4). And the electronic signature for the certificate are sent to the online insurance claim system 4 (M5S5). The private key and the electronic signature of the member 2 received in the online insurance claim system 4 are checked to confirm the identity of the member receiving the insurance claim (M5S6). Signature verification of the private key and the electronic signature of the member 2 received in the online insurance claim system 4 using the public key (M5S7). After the signature verification is completed, the online insurance claim system (4) receives the claim application form of the member (2), stores it in the DB (6), compares it with the insurance contract in the DB (6), The process of calculating the insurance amount to be claimed is performed (M5S8). The online insurance claim system 4 informs the member 2 of the contractual subject matter of the insurance to be claimed and the amount of insurance to be claimed (M5S9).

8 is a flow chart for claims claim M6 using a certificate between the online insurance claim system 4 and the insurance company 11.

The online insurance claim system 4 makes a connection with the server of the insurance company 11 (M6S1). The insurance company 11 logs in with the ID and PASSWORD assigned to the online insurance claim system 4 (M6S2). The online insurance claim system 4 extracts the insurance bills and certificates of the members 2 stored in the DB 6, the documents and certificates related to the claims, and the documents and certificates related to the delegation of claims for the members of the insurance company. 11) prepare to submit (M6S3). The online insurance claim system 4 inputs the electronic signature password of the certificate to be used for insurance claiming and transmits it to the insurance company 11 server to confirm the connection (M6S4). Once the connection between the online insurance claim system (4) and the insurance company (11) server is verified, the claim is ready to be submitted, the claim-related documents, the claim application and the private RA certificate to prove the application and replace the seal with the CA application. Use the digital signature to enter the password using the digital signature, the insurance billing mandate documents to the insurance company (11) server using the electronic signature of the certificate used between the online insurance claim system (4) and the insurance company (11) server (M6S5). The insurance company 11 server verifies the identity of the online insurance claim system 4 and the claim member 2 through the certificate and electronic signature sent from the online insurance claim system 4 (M6S6). The public key is used to verify the password signature of the online insurance claim system 4 and the claimant member 2 (M6S7). The member's request for insurance claim is confirmed by the member's personal certificate and electronic signature verification in the member's insurance claim delegation document (M6S8). The server of the insurance company 11 receives the insurance application with the certified electronic signature and documents and processes the insurance payment (M6S9). The insurance company 11 server electronically signs the certificate of the processing result of the insurance claim and notifies the online insurance claim system 4 (M6S10). The insurance company 11 transfers the insurance money of the members 2 who have been paid out to the collection account of the online insurance claim system (M6S11). The online insurance claim system 4 searches the DB (6) for the bank (9.10) account of each member (2) that has been determined to pay the deposit deposited from the insurance company (11) to the collection account, and the bank of the member (2) ( 9,10) Remittance of insurance money paid to the account (M6S12).

FIG. 9 is a flowchart of an enterprise payment arrangement M7 for charging a fee through insurance or medical treatment insured at a hospital or a maintenance factory.

The corporate member 2 connects to the ID and PASSWORD registered on the Internet service server 3, and issues a payment guarantee issuance request to the Internet service server 3 that the insurer pays for medical treatment or repair (M7S1). The Internet service server 3 requests the issuance of a payment guarantee from the online insurance claim system 4 (M7S2). The online insurance claim system 4 requests issuance of a guarantee of payment to the server of the insurance company 11 (M7S3). The server of the insurance company 11 that has been requested to issue the payment guarantee checks whether the member 2 who made the request corresponding to the payment guarantee is its customer and whether the case has been received (M7S4). The insurance company 11 server confirming the fact issues a payment guarantee certificate and sends it to the online insurance claim system 4 (M7S5). The online insurance claim system 4 delivers the payment guarantee to the Internet service server 3 and stores the payment guarantee in the DB 6 (M7S6). The Internet service server 3 sends the payment guarantee document to the corporate member 2 who requested the issuance of the payment guarantee letter (M7S7). The corporate member writes to the Internet service server 3 the human and material cost expenses that are listed in the payment guarantee certificate and the insurance company guarantees the payment (M7S8). The Internet service server 3 forwards the invoice and the statement to the online insurance billing system 4 (M7S9). The online insurance billing system 4 stores the bill and the statement in a DB 6 and charges the bill and the statement. It sends to the insurance company 11 server (M7S10). After the examination of the claim amount is finished, the insurance company 11 deposits the amount into a collection account (stored as a virtual account for each corporate member) (M7S11). The billing amount for each corporate member 2 is deposited into a bank transaction account for each corporate member stored in the DB 6 (M7S12).

According to the present invention, a claim system of an insurance process that is processed online is configured to claim and pay online, which is carried out offline, so that the insured or the commissioner visits the relevant insurance claim documents to the relevant institution in order for the insured to claim the insurance. The number of insurance accounts to be claimed was issued, and the claims had to be visited and claimed by each insurance company. Therefore, although much time / monetary cost was required, this invention can be processed quickly online and the monetary cost such as transportation cost can be reduced, thereby minimizing time / monetary cost.

It can also contribute to the dissemination of certificates that provide certification and security online, and can replace existing insurance-centered insurance payments with insurance-centered insurance payments. In addition, you can check the terms and conditions of your insurance accounts and terms and conditions at any time, and the online insurance claim system automatically manages the claims calculation and claims coverage, preventing you from missing insurance accounts or claims that are unfavorable to you. Can be. In addition, you can view and manage your insurance subscription information, insurance payment details, and maintenance of the contract, so that you can prevent automatic termination of insurance that is not recognized by the insured. Can be prevented.

In addition, all monetary movements can be made online, contributing to the dissemination of virtual money, and all documents are processed online using certificates, minimizing the manpower and costs required for distributing electronic documents and issuing documents.

Claims (13)

Online insurance claiming system consisting of Internet Service Server, Member Management Server, DB, RA Server, etc. In the method of claiming insurance online, A member registration step of accessing the online insurance claim system by registering a member to obtain a certificate and register as a member; An authentication step of authenticating and activating a certificate to be used by a member newly enrolled in the online insurance claim system at a CA server and a RA server; A bank / insurance account registration step of registering a bank account for use with an insurance account subscribed to by a member whose CA and RA certificate are certified in the online insurance claim system; A certificate issuing step in which a member registered in the online insurance claim system issues an insurance claim-related document through the Internet; A claim application step of applying a claim to the online insurance claim system by a member entrusting the claim to the online insurance claim system using the insurance claim-related documents and certificates issued online by a member registered in the online insurance claim system; The amount of claims and scope of claims that can be claimed to an insurance company by comparing member information, subscription insurance information, contract terms, and reimbursement conditions stored in the DB with the insurance claim documents and certificates of the member who entrusted the claim by the online insurance claim system. Compensation claim calculation step of extracting; The online insurance claim system uses the member's certificate and the certificate of the online insurance claim system, including the documents, certificates, membership information, insurance contract terms, reimbursement conditions, claims, and claims of the claim, to pay the insurance company. Claim delegation step of the online insurance claim system for claiming; Issuing a premium payment guarantee certificate which is issued to a corporate member by receiving a premium payment guarantee from an insurer for services such as medical care and repair of an insured or beneficiary provided by a corporate member subscribed to the online insurance claim system; An insurance claim step in which an on-line insurance billing system bills an insurance company for services such as medical services and repairs provided to an insured or a beneficiary whose guarantee is specified in a payment guarantee certificate by a company member who subscribes to the online insurance billing system; An insurance payment step in which the online insurance claim system receives an insurance money paid from an insurance company to a collection account, and transfers the insurance money to the member who claimed the insurance money; An inquiry step for always inquiring insurance account information, contract conditions, terms and conditions, etc. of a member subscribed to the online insurance claim system from an insurance company server using a certificate; And If a member has a reason for claiming insurance, an insurance document issuance of the reason for the claim is issued by the document issuing agency. To calculate the amount of insurance, claim a claim to the insurer for the insurance account using the member's certificate and the certificate of the online insurance claim system, and receive the payment and remit it to the member. The member registration method of claim 1, further comprising: a certificate using a network which registers and registers a CA / RA certificate to be used in the member registration step, and authenticates and activates the CA server and the RA server in the authentication step. 2. The bank of claim 1, wherein the bank / insurance account registration step includes a certificate using a network for inquiring a registered insurance account and a bank account to be used by a CA / RA certificate at each insurance company and a bank and registering in a DB. How to Inquire and Register Your Insurance Account. The method for issuing and receiving insurance-related electronic documents according to claim 1, comprising a certificate using a network for requesting issuance of an electronic document to an insurance claim-related document issuing agency using a CA / RA certificate in the certificate issuing step. The method of claim 1, wherein the claim application step uses a CA / RA certificate to replace the seal of the claim applicant and delegates the claim along with the claim related documents. According to claim 1, Claim amount and claim range is extracted by comparing the claim claim documents and the member information, subscription insurance information, contract terms, and reimbursement conditions stored in the DB with the claim claim documents in the claim claim calculation step How to calculate the insurance billable amount using the network. The network of claim 1, wherein in the claim delegation claim step, a claim delegation claim, a claim amount, a claim basis, and a certificate in place of a member's seal are used for a certificate delegation claim using a certificate in place of a seal in an online claim claim system. Claim delegation claim method. The method of claim 1, wherein the insurance payment guarantee certificate of the medical and repair provided by the corporate member is confirmed and the insurance payment guarantee certificate is issued in a step of issuing the insurance payment guarantee certificate. The online billing system of claim 1, wherein the online billing system provides the insurance member or beneficiary with the costs of the medical and repair services provided by the corporate member to the insured or beneficiary specified in the insurance claim. A method for delegating insurance processing costs using a network that uses a billing system's CA / RA certificate to make delegation claims to insurers. The method of claim 1, wherein the claim received from the insurance company in the step of paying the claim is paid to a collection account, and the claim is paid using the network to transfer the claim to the member. The method of claim 1, wherein the insurance company server uses the CA / RA certificate to inquire insurance company information, contract terms, terms and conditions, insurance details, and the like from the insurance company server. The method of claim 11, wherein the insurance member is inquired at all times and the contract conditions are checked and stored in a DB so that the member forgets the insurance after the insurance or the insurance claim is missing due to not knowing the contract terms clearly. How to check insurance contracts using a preventable network. In the online insurance claim system using a network, Membership applicants, members, document issuing agencies, CA certification bodies, domestic banks using the bank's common network, overseas banks using SWIFT, insurance companies, Internet service servers, membership management servers, DB and RA servers Includes a communication network that interconnects using The member management server includes determining means for reading the information stored in the DB for authentication of a member connected from the member's Internet service server and comparing the certificate in the RA server to determine the authentication; The member management server may include: issuing means for requesting a claim-related document online from a document issuing agency and issuing an electronic document at the request of a member; The member management server may include calculating means for calculating an insurance claim amount and a claim basis by comparing the insurance related information stored in a DB with an electronic document issued at the request of a member; The member management server may further include: claim means for claiming an insurance company, including a claim amount, a billing standard, an electronic document related to a claim, a CA / RA certificate of a member and a system; The member management server may be a remittance means for remitting the insurance money received from the insurance company to the collection account; The member management server stores the CA / RA certificate information issued by the member in a DB, and management means for reading CA / RA certificate information from the DB if necessary; The RA server issuing a member's RA certificate, authentication means for authenticating compared to the certificate that the member has; And Using the certificate, you can receive insurance claim-related documents, look up the insurance company's member information, calculate the claim and the basis of the claim, make a claim on behalf of the member, and receive the payment from the insurer and transfer it to the member. Insurance claim system using a network.