KR20070080423A - The automatic application system of the insurance benefits at remote and the method thereof - Google Patents

Abstract

A system and a method for automatically requesting insurance benefits in a remote place are provided to enable a patient or an agent to automatically receive a medical certificate or other certificates in a terminal such as a kiosk terminal, and automatically transmit the issued certificates to an insurance company together with an application. A hospital server(200) stores patient information and the medical certificates. An automatic certificate issuer(100) automatically issues the certificates and automatically/remotely requests the insurance benefits by connecting to the hospital server. An administrative network server(920) includes a fingerprint database(921) and a certificate database(922) by connecting to a remote civil application service server(910). The automatic certificate issuer identifies a requestor by connecting to the administrative network server if the requestor is authenticated, issues the certificates required for requesting the insurance benefits from the hospital server, and automatically requests the insurance benefits to an insurance company server(700) through an insurance benefit relay server(600).

Description

The automatic application system of the insurance benefits at remote and the method

1 is a flow chart of a conventional insurance benefit application.

2A to 2C are flowcharts illustrating a conventional online insurance claim system.

3 is a schematic diagram of a system for automatically providing a remote payment benefit of the present invention.

4 is a schematic diagram of a certificate issuing machine in the system according to the present invention.

5 is a schematic configuration diagram of an application in the certificate issuing machine of the present invention.

6 is a flowchart illustrating an embodiment of a method for automatically applying an insurance benefit remotely according to the present invention.

7 is a flowchart illustrating an embodiment of an applicant remote authentication method using a routing server of the present invention.

8 is a flowchart of an embodiment of an agent authentication processing procedure using insurance information of the present invention.

9 is a flowchart illustrating a certificate remote issue and insurance company automatic transmission procedure using the network of the present invention.

10 is a flowchart illustrating a family agent authentication processing method using a routing as another embodiment of the present invention.

FIG. 11 is a system diagram provided with a non-receipt certificate recovery device as another embodiment of the present invention. FIG.

<Description of Major Symbols in Drawing>

100: Certificate automatic issuing machine

120: control unit

125: hospital server I / F control module

130: certificate issuance control module

135: identity control module

140: payment I / F module

145: storage control module

150: insurance qualification inquiry I / F module

155: line I / F module

160: I / F module for remote insurance benefits

200: hospital server 300: certificate management server

400: electronic payment server 500: industrial qualification inquiry server

600: insurance salary relay server 700: insurance company server

800: line application server

900: administrative computer network

910: remote civil service server 920: routing server

The present invention relates to a system for automatically applying an insurance benefit and a method of verifying identity for the service, in which a patient automatically applies and issued a certificate required for insurance claim at a hospital and automatically transmits it to a designated insurance company through a communication network. .

1 is a flowchart of a business process for applying for insurance benefits after a current patient is treated. As shown in FIG. 1, after the doctor or his / her agent makes a medical appointment at the hospital, the doctor conducts an e-signature or prints a certificate, and passes it to the nurse. The nursing assistant sends the certificate to the certificate issuance window, and the patient moves to the certificate issuance window, collects the fee, and receives the certificate. In order to obtain a medical certificate or certificate, the person in charge of the counter shall check the photo and the actual image of the resident registration card to verify that he / she is himself / herself, and issue the certificate. A copy or a copy of a person's family register must be submitted at the same time. The person in charge of the certificate office of the hospital must check the certificate and confirm the eligibility of the certificate or certificate, issue it to the customer, and provide the relevant documentary evidence submitted from the customer. Keep in place.

In order for a patient or an agent to receive a medical certificate and certificate at the hospital and then claim the insurance, he or she must bring the medical certificate and certificate issued by the hospital, visit the insurance company's office or the head office, fill out an application form, and submit it together. You will complete the application. At this time, if the medical certificate or certificate is wrong, the doctor should revisit the hospital and reissue it.

In the present benefit application method of the above patient,

First, the patient visits the hospital, receives the medical certificate and certificate, goes to the insurance company, fills out the application form, and submits the application form again.If not, he / she visits the city and district office before visiting the hospital. As you have to prepare all the documents such as a letter of attorney, and then visit the hospital, and then visit the insurance company to apply for insurance benefits, it takes a lot of time and costs for the transportation. In this case, there is a problem of repeating the above.

Secondly, the insurance company needs excessive manual work to receive insurance benefits, and it is inconvenient to report the received application from the business office to the head office or to send a fax report. If the purpose or content of the certificate is wrong, it must be visited and reissued. Customer complaints can increase, and when connecting with the hospital network to provide patient medical information, it can raise social concerns about personal information security issues, and establish a branch office in the hospital for customer service. In this case, enormous expenses such as labor costs and office maintenance costs are entailed.

Third, as the number of private insurance companies increases, the amount of certificates or certificates to be issued increases, and the number of management forms increases, especially at the end of the year. It is a situation that needs to be increased, and accidents due to negligence due to an increase in work are increasing, and there is a problem that the work for identity verification and agent verification is increasing.

As an evolved method in view of the problems of the conventional method, an online insurance claim system of Patent Registration No. 10-0464851 (December 24, 2004) is disclosed.

2A to 2C are flowcharts of a business process of the online insurance claim system of the registered patent invention.

Figure 2a is a flow chart for applying for insurance claim related documents using the certificate. The member accesses the Internet service server (M4S1). When a member logs in with ID and PASSWORD registered at the Internet service server and the member connected from the member information in the DB is confirmed as a subscriber, the member is notified to the member management server and permission for application for documents is given (M4S2). The member prepares an application for issuance of claims-related documents to be submitted to the issuance agency for insurance claims and the issuance of a letter of authorization confirming that the online insurance claim system acts for the application (M4S3). Members use the private key to enter the document issuance application and power of attorney with a member RA certificate and replace the seal with the CA application, enter a password, and electronically sign and send it to the online insurance claim system (M4S4). The online insurance claim system receives an application for issuing insurance claims and an electronic signature (M4S5). The online insurance claim system accepts an electronic signature and power of attorney for issuing a document relating to insurance claims (M4S6). The online insurance claim system checks the received member's private key and electronic signature to confirm that the application for issuing insurance claims and the power of attorney belong to the member (M4S7). The online insurance billing system uses emails and electronic signatures to forward a request for issuing insurance claims, including a power of attorney, to the insurance claims issuing agency (M4S8). The insurance claim document issuing agency sends the issued insurance claim document to the online insurance claim system using e-mail and electronic signature (M4S9). The online insurance claim system stores the insurance claim documents issued by the insurance claim-related document issuing agency in the DB, and sends the insurance claim-related documents applied by e-mail and electronic signature to the member who applied for the document issuance (M4S10).

2B is a flow chart for claim claims using a certificate between a member and an online insurance claim system. The member accesses the online insurance claim system through the Internet service server (M5S1). After accessing the online insurance claim system, the member logs in with the ID and PASSWORD registered at the membership management server, and if the connected member is confirmed as a member in the DB, the member management server is notified as a subscriber and the permission for claim is granted. Is given (M5S2). The member completes a claim form (M5S3). After completing the claim, the member enters his / her password using his private key to prove his claim with the RA certificate and to replace the seal with the CA application. (M5S4) Electronic signature of the claim and certificate created by the member Is sent to the online insurance claim system (M5S5). The identity of the member receiving the insurance claim is verified by checking the member's private key and the electronic signature received in the online insurance claim system (M5S6). Signature verification of the member's private and electronic signatures received in the online insurance claim system using the public key (M5S7). After the signature verification is completed, the online insurance claim system receives the member's claim application form, stores it in the DB, and compares the insurance contract matters in the DB with the process of calculating the corresponding contract of the insurance to be claimed and the amount of insurance to be charged (M5S8). ). The online insurance claim system notifies the member of the insurance contract to be claimed and the amount of insurance to be claimed (M5S9).

2C is a flow chart for claim claims using certificates between an online insurance claim system and an insurer. The online insurance claim system connects with the insurance company's server (M6S1). Log in with ID and PASSWORD assigned by the insurance company server to the online insurance claim system (M6S2). The online insurance claiming system extracts the member's insurance bills and certificates, insurance claim documents and certificates, and member's insurance claim delegation documents and certificates stored in the DB and prepares them for submission to the insurance company (M6S3). The online insurance billing system enters the electronic signature password of the certificate to be used for insurance claims and transmits it to the insurance company server to check the access (M6S4). Once the connection between the online insurance claim system and the insurer's server is verified, the claim is ready to be submitted, the claim claim document, the claim application, and the password is entered using the private key to prove the application with the member RA certificate and replace the seal with the CA application. Then, the electronically signed certificate, the electronic signature, and the documents of the insurance claim mandate are transferred to the insurance company server using the electronic signature of the certificate used between the online insurance claim system and the insurance company server (M6S5). The insurance company server verifies the identity of the online insurance claim system and the claim member through a certificate and an electronic signature sent from the online insurance claim system (M6S6). The public key is used to verify the password signature of the online claiming system and the claiming member (M6S7). The member's claim for claims is verified by verifying the member's personal certificate and electronic signature in the member's claim delegation document (M6S8). The insurance company's server receives the insurance application with the certified electronic signature and documents and processes the insurance payment (M6S9). The insurance company server notifies the online insurance claim system by digitally signing the certificate of the processing result of the insurance claim (M6S10). The insurer remits the benefits of the members who have been paid to the collection account of the online insurance claim system (M6S11). The online insurance claim system retrieves the bank account of each member whose insurance payment is deposited from the insurer to the collection account in the DB and remits the money paid to the member's bank account (M6S12).

According to the patent invention, the insurance billing system and the insurance billing system, which is processed online, configures the claims and payments that were performed offline, so that the insured or the agent visits the relevant insurance billing documents to the relevant institution in order for the insured to claim the insurance. As the number of insurance accounts to be claimed, the number of insurance accounts were issued, and the insurance 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 the 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 own insurance information, payment details, and maintenance of the contract, preventing automatic termination of insurance that is not recognized by the insured. Can be prevented. In addition, all monetary movements can be contributed to the dissemination of virtual money by moving online, and all documents are processed online using certificates, thus minimizing manpower and costs required for disseminating electronic documents and issuing documents.

However, the patent invention uses a method of verifying the identity of the applicant applying for insurance benefits by issuing a certificate depending on the ID and password of the registered member at the time of membership registration and using the certificate. In view of the development of computer programs and highly intelligent insurance crimes, there is a problem that cannot be verified accurately in the identification of the person applying for insurance benefits online. And method.

In addition, the patent invention is inconvenient because the one-stop service for claiming the claim is not possible because a new act must be performed for each required process, such as receiving and receiving the claim-related document, and creating and sending the downloaded document for the claim. There is a problem, and it is impossible to process real-time business at the time of issuance of the certificate of proof and the application of insurance benefits, and it is necessary for the customer to wait for a long time until the application is processed step by step. Since it is necessary to repeatedly connect to the system, fill out an application form, and send it, the burden of the work to be processed at the customer's entrance is quite large, and there is a preliminary process such as downloading and installing certificate related programs in advance. Fundamental limitations Can.

In addition, the patent invention is a medical-related insurance application that allows the patient to issue a certificate, issue a certificate, and apply for insurance benefits at the hospital, because the patient can not apply directly to the hospital in relation to the application for medical benefits. There is a problem that is not applicable.

In addition, the above invention is a business model centered on the ON LINE insurance claim system, which requires the customer to apply for insurance benefits through the program of a third service company called ON LINE insurance claim system. This third-party ON LINE insurance claim system requires a separate membership, pays a membership fee, and personal information from third parties' involvement in obtaining a certificate and applying for insurance benefits. There is a big problem of accidents such as leakage of data and manipulation of data, and there is a social problem that the third party may accumulate the information of the members separately and sell or distribute the customer information for purposes other than the original purpose.

The present invention is to solve the problems of the prior art, an object of the present invention is a system and method for applying for insurance benefits remotely using a communication network, the patient or agent is unattended directly in the hospital without the intervention of a third party The present invention provides an automatic certificate issuance and automatic insurance benefit application system that automatically receives a medical certificate or a certificate through a terminal such as a kiosk, and then automatically transmits the application with the application in real time in real time.

Another object of the present invention is a system and method for applying for insurance benefits remotely using a communication network, by adopting a credible and reliable identity verification method, insurance benefits can be applied for remote payments in real time in a hospital. A system and method are provided.

Another object of the present invention is to prevent the leakage of personal information by a third party by developing a means for providing the insurance company with the information directly required by the patient in the system and method for applying for insurance benefits remotely using a communication network. The present invention provides a system and method for automatically applying an automatic payment of benefits, which can eliminate the user's burden of paying the benefits.

Another object of the present invention is to provide a system and method for automatically applying an insurance benefit having a management system for managing the history of certificate issuance and automatic insurance benefit remote application in a system and method for applying for insurance benefits remotely using a communication network. There is.

Another object of the present invention is a system and method for applying for insurance benefits remotely using a communication network, when a certificate other than a person is issued by a family other than the person and when another person is a representative, a credible authentication method for the agent It is to provide a system and method for automatically paying remote benefits.

As a technical idea for achieving the object of the present invention, in the present invention, a hospital server, an electronic payment server, an industrial qualification inquiry server, a certificate management server, an insurance salary relay server and a communication network are connected to a hospital where a patient is treated. A certificate automatic issuing machine connected through an administrative computer network and an Internet network;

After entering the patient's or his / her agent's fingerprint and photo information into the certificate automatic issuing machine, the identity verification process is performed using the fingerprint comparison result data of the administrative computer network, and a certificate such as a medical certificate is issued to apply for insurance benefits to the insurance company selected by the patient. Provided is a system and method for automatically applying a remote benefit payment system.

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the invention for the embodiment of the present invention will be described in detail.

3 is a schematic system diagram for explaining an embodiment of the present invention.

As shown in FIG. 3, the present invention automatically issues a certificate and a certificate to the patient unattended, and serves to transmit the application form in electronic form to the selected insurance company and the selected insurance company for the patient to claim the insurance on their own. Certificate automatic granting machine 100 and;

A hospital server 200 connected to the automatic certificate issuing machine 100 through a communication network to control a prescription delivery function and a certificate issue function;

A certificate management server (300) installed at a first certificate issuing window of a hospital and for automating a certificate issuing service connected to the certificate automatic issuing machine (100) through a communication network;

An electronic payment server 400 connected to the certificate automatic issuing machine 100 and communicating with a communication network to perform credit card approval and cash payment cash receipt approval;

A certificate qualification inquiry server 500 connected to the certificate automatic issuing machine 100 and installed in the insurance corporation for the agent authentication function using the insured information;

An insurance benefit relay server 600 for automatically transmitting an application details and a medical certificate or a second certificate and an application to a selected insurance company when a patient selects an insurance company on an automatic insurance benefit application screen of the certificate automatic issuing machine 100;

An insurance company server 700 which receives data transmitted from a patient from a hospital via the insurance benefit relay server 600 of the VAN company and performs business processing;

An electronic application server 800 for requesting and receiving remotely applying for and receiving a resident registration issued by an administrative agency to verify the identity of the person or his / her agent;

The administrative electronic network 800 is connected to the electronic application server 800 through the communication network.

In addition, the administrative computer network 900 is for processing complaints applied by the electronic application server 800, which is installed outside the firewall, and the security module 911, the identity verification module 912, and the certificate remote. A remote civil service server 910 inside the firewall including an issuing module 913; The routing server 920 includes a fingerprint DB 921 and a certificate DB 922.

The certificate management server 300 includes a client I / F for connecting with the certificate automatic issuing machine 100, a scanner for storing images of the certificate history DB and documents.

The insurance benefit relay server 600 is a client I / F for connecting with the insurance payment remote application I / F module 160 of the certificate automatic issuance and insurance benefits remote application application, and for connecting to the insurance company server 700 It includes private insurance I / F module.

4 is a schematic system diagram of a certificate issuing machine 100 which is an unmanned kiosk installed in the hospital.

As shown in FIG. 4, the automatic certificate issuing machine 100 includes a central control module 101 for controlling the entire system; A touch screen 102 which displays various information to the customer and displays a menu so that the customer can make a selection by a touch method; A fingerprint reader 103 for receiving a user's fingerprint for identification of the user; A card reader 104 for inserting a medical card or a resident card, etc. to input a medical number or social security number of a patient, or paying a medical fee or a certificate or a fee for issuing a certificate with a credit card; A cash controller (105) for controlling cash receipt of medical expenses or medical certificate or fee for issuing a certificate; A cash dispenser (106) of banknotes and coins connected to the cash controller (106) to receive actual bills and cash from customers and to release change money; A receipt printer 107 for printing the fee storage details and a receipt; A certificate printer 108 for outputting a medical certificate or a certificate; A paper discharge device 109 for discharging the issued documents in a batch; And a communication unit 111 capable of connecting the camera 110 device for taking and storing a picture of the customer and an external device through a communication network.

5 is a schematic configuration diagram of an insurance benefit remote automatic application application mounted on the central control module 101 of the certificate automatic issuing machine 100 to perform various functions to be implemented in the present invention.

As shown in FIG. 5, the insurance benefit remote automatic application application includes a hospital server I / F module 125 for controlling communication connection and data transmission and reception with the hospital server 200; A certificate issuing control module 130 for displaying a patient's information received from the hospital server 200 and controlling a series of processes of printing, authenticating and then discharging the selected certificate or certificate; A storage module 145 for displaying a medical certificate or a certificate issuance fee on the screen and controlling the fee when the patient receives the card or cash; A card and cash payment I / F module 140 connected to the electronic payment server 400 for controlling the operation of hardware related to a card or cash input for fee storage; An identity verification module 135 for controlling all matters related to identity verification when identity verification is required for issuing a medical certificate or certificate; An insurance qualification inquiry I / F module 150 which performs an insurance qualification and identity verification request of the applicant and a result receiving result by interworking with the identity verification module 135 to the industrial qualification inquiry server 500; And a travel network I / F module 155 for remotely applying for a certificate which should be issued and submitted from a government office such as identity verification and resident registration through verification of a fingerprint, and remotely receiving in real time in the form of an electronic document. And an insurance benefit remote application I providing an I / F with the insurance brokerage server 600, which serves to deliver a diagnosis certificate, a certificate, and a benefit payment application issued by the hospital to the insurance company server 700 selected by the patient. / F module 160 is included.

The automatic application for insurance benefit remotely is installed inside the firewall of the administrative computer network 900 through the route electronic application server 800 installed outside the firewall of the city and district through the Internet to process various services remotely requested from the hospital. The main is connected to a remote civil service server 910 that serves.

Hereinafter, the operation of the system of the present invention will be described.

In the embodiment of the present invention using the system, the patient visits the city and district office to apply for private insurance benefits, issued the first certificate, then goes back to the hospital, receives the medical certificate or the first certificate from the doctor, and then returns to the insurance company to create an application. In order to alleviate the inconvenience of applying for a patient, the patient visits only one hospital and the patient automatically operates the certificate automatic granting machine 100 of the present invention to apply for insurance benefits remotely.

However, when a patient makes an appointment for medical treatment, receives a check-in at the reception desk, receives the medical examination necessary for issuance of a certificate, and then applies for a medical certificate or certificate, the doctor stamps the electronic certificate or handwritten signature on the medical certificate or certificate requested by the patient. The operation of storing in the hospital server 200 is an essential task that should be performed by a patient or a doctor directly and is excluded from the scope of the present invention as a part that cannot be automated, and an embodiment of the present invention is completed after the series of processes are completed. The patient moves to the certificate automatic issuing machine 100 of the present invention and starts by selecting a certificate issuing menu on the screen on the certificate automatic issuing machine 100, and is generally composed of three processes.

First, the certification process of authenticating the applicant's own applicant who wants to issue a certificate, and then double-certifying whether the applicant is the patient or the agent;

Secondly, a process of automatically issuing a certificate selected by the patient and outputting the certificate;

Third, the insurance application is automatically made by using the certificate information issued in the second process and the patient's information obtained in the first process, and automatically sent to the insurer to apply for insurance benefits remotely.

Hereinafter, the insurance benefit remote automatic application process using the system of the present invention will be described in detail with reference to the above-described system and FIG.

6 is a flowchart of a method for automatically applying for insurance benefits remotely using the system of the present invention.

The present invention includes the step of recognizing the patient in the certificate automatic granting machine 100 when a key input for selecting a certificate to be issued on the menu screen of the touch screen (102) (S01);

An identity verification determination step (S02) of determining whether the certificate selected by the patient in the certificate automatic granting device 100 is a medical certificate or a certificate requiring identity verification;

An applicant authentication step (S03) for authenticating the applicant who has applied for certificate issuance, if it is determined that the identity needs to be verified in step S02;

The person or agent authentication step (S04) that performs authentication by distinguishing whether the person who has completed the applicant authentication in the applicant authentication step is the person or the agent;

A certificate number selection step (S05) of inputting the number of certificate numbers to be issued after passing through the person or agent authentication step;

An insurance company selecting step (S06) of selecting an insurance company to transmit the issued certificate and insurance benefit remote application;

A fee input step of storing a fee required for issuing the certificate (S07);

A fee storing step (S08) of transferring or storing the fee received in the fee storing step to a hospital or a corresponding municipality;

A receipt and certificate issuing step (S09) of accessing the hospital server 200, withdrawing data corresponding to the requested certificate, issuing a certificate and issuing a certificate automatically when the storing processing is completed;

Insurance application form for automatically filling the insurance application to be sent to the insurance company using the information of the applicant obtained in the step S03 and the receipt and certificate issuing step (S09) and the insurance company information obtained in the insurance company selection step (S06) An automatic creation step (S10);

An automatic insurance benefit remote application step (S11) of automatically transmitting the updated insurance benefit application to the corresponding insurance company server 700 and updating and receiving a response to record and manage the processing result and automatically outputting a receipt;

If there is a city or district certificate that needs to be additionally submitted when applying for insurance benefits, apply to the city and district district remotely, receive the certificate issued remotely from the city and district, and submit it to the hospital automatically. Doing is made, including the remote office issuance of the first proof and insurance company step (S12).

If more detailed description of the performance of each step as follows.

In the present invention, the authentication process is performed by dividing into two stages of the applicant authentication step (S03) and the self and the agent authentication step (S04) for the credible authentication.

First, in the applicant authentication step (S03), the applicant's resident registration card is read from the card reader 104 of the certificate automatic issuing machine 100 to extract the applicant's resident registration number and fingerprint information, and the applicant using the camera 110. Takes a picture of the face and stores it in a separate database, and receives the applicant's fingerprint through the fingerprint reader 103 and compares it with the fingerprint on the resident registration card read from the card reader 104. Judging from the same thing.

In this process, in order to prevent the applicant from counterfeiting the fingerprint registration information on the stolen person's resident registration card, in the present invention, the fingerprint information registered in the fingerprint server (administrative computer network) of the Ministry of Government Administration and Home Affairs is nationally verified. In contrast, a double security measure was devised to prepare for the above tampering in the identity verification process, and the detailed method is as described below.

7 is a flowchart illustrating an embodiment of an applicant remote authentication method using the routing server of the present invention.

In the present invention, the information such as the resident registration number and fingerprint image information obtained in the applicant authentication step and the e-mail address to be returned are installed and operated outside the administrative computer network firewall of the city and county district where the remote civil service server 910 of the present invention is installed. Remote fingerprint verification request step (S03A1) for transmitting to the destination electronic application server 800;

Updating the applicant's social security number and fingerprint image information and an e-mail address to be returned to the Internet server (S03A2);

The security module 911 of the remote civil service server 910, which is installed in the firewall of the administrative computer network and performs a role of automatically handling all civil complaints remotely applied, is remotely applied to the electronic application server 800 that is outside the firewall. A request information uploading step (S03A3) of searching for information in real time and uploading the content into the firewall if there is a remote request content;

A fingerprint inquiry request step (S03A4) of requesting fingerprint information inquiry request to the routing server 920 through the identity verification module 912 using the applicant's resident registration number among the uploaded application information;

Fingerprint search step (S03A5) to provide the fingerprint information to the remote civil service server 910 by searching the fingerprint DB (921) by using the resident registration information;

A fingerprint information receiving step (S03A6) in which the remote civil service server 910 records fingerprint information returned from the routing server 920 in a separate place;

A fingerprint information comparing step (S03A7) of comparing the fingerprint information of the applicant applied for by the hospital, comparing the match with the fingerprint information, and returning only the result to the e-mail address sent by the applicant;

When the fingerprint matching result is received and the fingerprint is matched in the certificate automatic issuing machine 100, the authentication proceeds to the identity of the agent and the agent (S04).

When the applicant is completed through the above process, the applicant and the agent authentication step (S04) to perform the agent authentication is performed by distinguishing whether the person who completed the applicant authentication or the agent will be described in detail with reference to FIG. 8. Shall be.

8 is a detailed flowchart illustrating a step of authenticating whether the person who has been authenticated as an applicant or an agent is an embodiment of the present invention.

In the applicant authentication step (S03), if the applicant who is currently applying is authenticated as his / her identity, then the step (S04) of authenticating whether the certificate issuance target person or agent is performed.

In this step, first of all, the applicant information obtained in the applicant authentication step (S03) matches the patient name on the certificate selected in the certificate selection step (S01). Proceeding to the input step (S05), if not the person or agent classification step (S041) to proceed with the agent authentication step;

In step S041, if it is determined that the applicant is not the person, the patient information input step (S042) of inputting the resident registration number or the name of the patient to be issued;

Family determination step (S043) and judging whether or not the applicant is a patient and the family by comparing the patient information registered in the hospital server 200 by using the issuer information input in the patient information input step; ;

If the applicant is a family of the patient to be issued, the applicant determines whether the applicant is a family member under medical insurance by using the member's information of the reviewer, and if the family representative is correct, proceeds to the next step of inputting the issuance number (S05). Family agent authentication step (S044) for controlling to return to;

In the step of determining whether the family is not a family, the agent authentication number input step (S045) to send the authentication number to the mobile phone of the patient stored in the hospital so that the agent enters the authentication number;

Comparing the entered agent information with the agent authentication number registered in advance in the hospital server 200, if the authorized agent proceeds to the next step issuing step input step (S05), otherwise control to return to the initial screen (SO46 )

On the other hand, the authentication step for the family agent, as shown in Figure 8, if it is determined that the family in the family determination step (S043), using the resident registration number of the patient in the hospital server 200 to query the patient information of the patient Requesting hospital member information inquiry step (S0441);

A subscriber information retrieval step (S0442) stored in a hospital for retrieving the subscriber information of the corresponding patient from the hospital server 200 and sending it to the certificate issuing machine 100;

A certificate server inquiry request step (S0443) of the certificate automatic issuing machine 100 requesting the agent's subscriber information inquiry to the health insurance corporation server of the health care corporation using the agent's resident registration number;

A health care corporation server subscriber information retrieval step (S044) in which the health care corporation server retrieves subscriber information of the corresponding customer by using the requested social security number of the agent and returns the certificate to the hospital automatic certificate issuing machine (100);

The subscriber information of the patient acquired through the subscriber information search step (S0442) subscribed to the hospital and the subscriber of the agent acquired through the health care server server subscriber information search step (S0443), the agent compares the information to the patient subject to issue If it is confirmed that the family of the family agent is the next step issuing the number of issue selection step (S05), or otherwise comprises a subscriber information comparison step (S0445) to control to return to the initial screen.

On the other hand, the fee input step (S07) for storing the fee required for issuing the certificate is a storage method selection step (S071) for selecting whether the card storage or cash storage;

A card input step S072 for inserting a card when the card is stored;

In the case of cash storage is made of a cash input step (S073) to insert cash.

 The fee storage step (S08) of transferring or storing the fee received in the fee input step to the hospital or the corresponding city county district;

In the case of storing the card, the card / cash payment I / F module 150 transmits the approval information to the electronic payment server 400, obtains the approval from the financial institution via the VAN network, and the contents of the hospital server 200. Update to the hospital server via the card / cash payment I / F module 150 in the case of cash storage and transmit the cash payment details to the National Tax Service via the electronic payment server 400, If there is a certificate that needs to be applied for, the fee is automatically transferred to the account previously negotiated with the relevant office, and the history is updated in the order of updating the certificate management server 300.

The operation described so far to solve the inconvenience of the patient having to repeatedly visit administrative agencies such as the municipal offices and hospitals and insurance companies to apply for private insurance benefits described the steps to remotely apply for insurance benefits to insurance companies within the hospital. In this process, if the certificate of the municipal office is additionally needed in some cases, the remote application of the government office certificate and the automatic transmission of the insurance company allow the patient to submit the application and insurance company remotely from the hospital without visiting the relevant city and district office (S12). ) Is as follows.

After completing the steps from S01 to S11, the patient authenticates the applicant at the hospital and authenticates himself or her agent.Then, the certificate is automatically issued and the insurance application is automatically filled out. According to the hospital or insurance company requests the first certificate of the city and district offices by reference, the certificate automatic granting machine of the present invention automatically determines whether or not the certificate of the city and district offices of the pre-registered certificate needs to be attached to the administrative computer network of the corresponding city and district office (900). The certificate of the certificate management server 300 is transmitted to the electronic application server 800 installed outside the firewall to send the certificate of the issuing party's first certificate issuance request information and the e-mail address information to be returned, and to apply for the second certificate remote issuance. Certificate remote application step (S121) for updating the history DB;

An application information updating step (S122) of receiving the remote application information of the municipal office and temporarily recording the electronic application server on the route;

The security module 911 of the remote civil service server 910 installed in the firewall of the administrative computer network 900 searches for real-time whether there is a new remotely requested application on the route electronic application server 800, If there is a request for application information uploaded to the inside of the firewall through the security authentication procedure (S123) and;

Certificate remote certificate module 913 of the remote civil service server 910 to automatically apply for the issuance of the certificate to the certificate DB 922 of the routing server 920 by using the uploaded first certificate issuance application data Issuing application step (S124);

An information retrieval step (S125) by which the city and district administrative server 920 searches for the certificate DB 922 using the certificate issuing application information and transmits the requested certificate data to the remote civil service server (S125);

A certificate output step (S126) of receiving the certificate data transmitted from the queue server 920 at the remote civil service server 910 and outputting the certificate data in a form of the certificate to a printer;

A certificate automatic authentication step (S127) for automatically processing all authentication processes corresponding to the output certificate in the remote civil service server (910);

An SMS notification step (S128) of notifying the complainant of the completion of issuance preparations in a mobile phone text message (SMS) when all the certificates applied by the remote complaint service server 910 are prepared;

An Internet transmission step (S129) of automatically transmitting in a file state by performing authentication processing for each document to the e-mail address of the destination received at the time of applying for the first certificate that has been authenticated by the remote complaint service server 910;

A certificate receiving and information updating step of receiving the first certificate from the remote civil service server 910 in the certificate automatic issuing machine 100 to update the received information and automatically submitting the certificate to the hospital (S130);

An insurance company server transmitting step (S131) of automatically transmitting the received certificate from the certificate automatic issuing machine (100) to a corresponding insurance company server (700);

It includes a certificate management history update step (S132) of updating the certificate history DB of the certificate management server 300 with the result of the application and reception of the certificate and the insurance company automatic transmission results to the public office.

In the present invention, the identity and agent authentication method in addition to the identity and agent authentication method of the present invention utilizing the internal data of the hospital and the subscriber information of the health care corporation server in order to more secure the reliability of the authentication, the city and district's travel data In addition, it secured additional methods for authenticating one's own and representatives. That is, if it is determined that the agent is a family agent, the subscriber information of the registered patient in the hospital server is compared to the subscriber information of the agent registered in the health care server server, and the agent is registered on the hung server instead of authenticating that the agent is the patient's family. This is a way to verify that the agent is the patient's family by comparing the patient's householder's head of household information.

10 is a flowchart illustrating a method for processing family agent authentication utilizing the routing of the present invention.

The identity and agent authentication method performed by using the data of the destination includes the steps of inputting patient information in the certificate automatic issuing machine 100 (S042) and determining whether or not a family is present (S043);

 If determined to be a family agent, outside the city firewall of the city district where the remote civil service server 910 is installed on the Internet together with an e-mail address to which the information patient's information obtained from the certificate automatic issuing machine 100 is returned. An agent householder information request step (S044B1) for transmitting to an on-going electronic application server 800 for installation and operation;

Updating an e-mail address or the like to which the agent's information patient's information is returned to the destination electronic application server 800 (S044B2);

The security module 911 of the remote civil service server 910, which is installed in the firewall of the administrative computer network 900 and performs a role of automatically handling all civil complaints remotely applied, is located on the electronic application server 800 outside the firewall. A request for uploading step (S044B3) for retrieving in real time whether there is a remote request in the remote application and uploading the content into the firewall;

Resident registration reading application step (S044B4) for requesting to read the copy of the resident through the certificate remote issuance module 912 using the resident registration numbers of the patient and the agent of the uploaded application information (S044B4);

An information retrieval step (S044B5) of retrieving the certificate DB 922 by using the resident registration number and transmitting the corresponding resident registration copy information to the remote civil service server 910;

Resident copy reading step (S044B6) that the remote civil service server 910 records the resident registration copy data returned from the routing server 920 in a separate place and analyzes the contents;

Householder information comparison step (S044B7) of comparing the householder information of the patient and the agent on the basis of the results of the resident copy reading and returning only the comparison result to the applicant's e-mail address;

By comparing the information returned from the remote civil service server 910 to determine whether the head of the patient and the head of the agent is the same person, if it is the same person to determine the family representative proceeds to the next step of the certificate passing selection step (S04), and match Otherwise, the process returns to the initial screen (S044B8).

By using the above-described method, the official data of the national institution can be used by comparing the results of the method of authenticating a family representative by comparing whether the subscriber of the patient on the hospital server and the subscriber of the agent on the health care server are the same person. / Provide a way to obtain credible results in proxy certification.

11 is a block diagram of another embodiment of a certificate issuing machine of the present invention.

As shown in Fig. 11, the certificate automatic issuing machine 100 further includes a certificate retrieval device 112 connected to the paper discharge device 109, so that the customer can apply for and receive a certificate or a certificate. If a certain time has elapsed, the user can automatically collect and store the certificate, so that the certificate is automatically received in the certificate issuing machine 100. It is not to be used for unpleasant purposes.

The protection scope of the present invention is an embodiment of the present invention described above corresponds to one example included in the technical idea of the present invention, in addition to the various embodiments of the scope included in the technical idea of the present invention.

In other words, the insurance benefits remote automatic application service of the present invention stores the medical certificate or the certificate issued by the doctor in the hospital server 100, and then issued by the unmanned certificate using the certificate of the present invention unattended electronic chart system of the hospital If the medical department issues a certificate or certificate and the nurse or nursing staff delivers the paper document to the existing incentive window and the patient moves to the induction certificate window and processes it, By utilizing the equipment can be carried out in the same manner as the above-described embodiment by installing only the certificate automatic issuance and insurance benefits remote application application.

In addition, the method of authenticating the applicant by reading the applicant's resident registration card and receiving the fingerprint of the applicant in the certificate automatic issuing machine 100 of the present invention is an integrated IC in which the fingerprint of the user is embedded on the electronic resident card or the IC card. Applicants can be authenticated at one time by inserting the card without fingerprint input at the time the card is implemented.

In addition, as another embodiment of the present invention, the hospital scans the document using equipment such as a scanner without manually issuing a certificate or certificate at the inducement window, and then the following process is described above. The automatic issuer 100 may perform the same process as the above-described embodiment. In addition, if a mandate is required to be submitted, the scanner can be scanned and stored in the form of a document file.

In the present invention, other various embodiments will be included as follows.

First, in the above-described embodiment of the present invention, the display of all data is based on a touch screen display method, but the input of various data may be performed by using a keyboard or a mouse. It can also be configured to provide additional functionality.

Second, medical card or social security number input can be used for patient identification, and one or more security functions such as facial recognition using a surveillance camera can be added as needed by the hospital.

Third, the storage method may use cash or credit card payment and prepaid cards, and may be adopted by designing the module to be selected according to the specifications desired by the hospital.

Fourth, the receipt can be printed in the form of a receipt to minimize the waste of paper, and can also improve the efficiency of work by outputting the entire details when the certificate is issued.

Fifth, the doctor's signature is printed as an image so that the issuing hospital's prescription doctor can be confirmed to achieve the purpose of supporting the medical certificate and proof of payment for the year-end settlement. In the above case, all or part of the physical certification function may be selectively employed depending on the needs of the hospital, so as to confirm that the same document is perforated and sewn out.

Sixth, in order to facilitate accident tracking when authenticating or issuing a medical certificate, a function of taking a picture and storing it may be employed.

According to the present invention, when a patient applies for insurance benefits, the conventional problem of visiting at least three institutions, such as the municipal office, a hospital, and an insurance company, and manually filling out and submitting various applications, is completely solved. Certificate Unmanned Issuance and Insurance Benefits Automatically issue a medical certificate or certificate required to apply for insurance benefits in a one-stop remote automatic application system, and automatically transmit it through the network to the insurance company of your choice. There is an effect that can eliminate the inconvenience.

Looking at the effects of the present invention in detail,

First, the patient visits only one hospital and automatically issues a medical certificate and certificate, automatically processing the application for insurance benefits remotely in real time.

end. You can save time and transportation costs by visiting the municipal offices, hospitals, and insurance companies to apply for insurance benefits.

I. In particular, if you are an agent, you will be able to completely eliminate time and transportation costs and inconveniences by eliminating all the preparations that were inevitably required to prepare various certificates in advance.

All. Even if you need to apply through an agency, you can verify whether you are an authorized representative and keep records to protect your patients from problems such as insurance claims' unfair claims and personal information leaks.

la. In addition, it is possible to completely eliminate the discomfort of patients due to the manual application by omitting the application process, which is essential to visit the city and district offices, hospitals and insurance companies to apply for work.

hemp. It is also necessary to subscribe to a third service system as in the prior invention.

There is no need to pay any service fees for applying for benefits.

      bar. You don't have to go directly to the system, fill out your certificate, fill out an application, and go through several steps through a third-party service system. You simply check your or agent information and choose only the insurance company you want. The system of the present invention automatically handles all subsequent work and automatically applies directly to the insurance company in real time without passing through the third system, so that the business can be easily processed in real time at the customer's entrance. Even if you do not know anyone has the advantage that can be easily used in real time.

Second, in the hospital,

end. By changing the issuance of a certificate or a certificate to a patient's application and issuance process directly from the certificate issuing machine of the present invention rather than the existing manned window, the manual burden on the manned teller is greatly reduced.

I. As a result, we have achieved a reduction in hospital expenses by reducing manpower and equipment.

All. It is necessary to completely solve the applicant's identity verification problem that is necessary for issuance of the certificate, and to secure a means of taking and storing the applicant's photo to provide a thorough countermeasure for tracking when an accident occurs due to the automation of work. And solved the security problem, the biggest obstacle,

la. In addition, the burden on the development and management of the forms increased as the type of medical certificate or certificate increases with the increase of private insurance, and the management burden was reduced by utilizing the standard forms provided by the present invention.

hemp. By storing the certificate in the form of an electronic document instead of paper, it is possible to exclude the burden of paper document management and place securing costs for archiving the original for future re-issuance. There is an effect that can be secured.

Third, for insurers,

end. Instead of receiving the insurance application, processing the inputs and entering the application details, and using the data transmitted from the automatic insurance payment remote application system of the present invention instead of storing the original paper, the burden of manual work can be greatly reduced. Has improved dramatically, greatly improving customer convenience.

I. By drastically reducing the manpower and equipment for the insurance benefits processing, it is possible to drastically reduce expenses.

All. By saving insurance application forms in the form of electronic documents rather than paper, it improves the management efficiency, reduces the cost of the management place according to paper document storage, and makes searching easier when necessary.

la. If the purpose or content of the certificate is wrong, we have solved the inconvenience of visiting and reissuing the hospital.

hemp. When you connect with the hospital's network to receive the medical information of the patient, you can select the insurance company that you want the social problem of personal information security problem, and let the patient send the information directly. To solve it,

bar. In order to solve the inconvenience of the patients who visit the head office for the application for insurance benefits, there is a huge cost saving effect by unmanning the huge cost in the case of establishing an office directly in the hospital.

As described above, the present invention provides a patient by automatically transmitting data necessary for a salary sent directly to the insurer desired by the patient or the patient's agent without a third party's intervention in applying for insurance in the hospital. Alternatively, the benefits of the service of the present invention can be improved by greatly improving the inconvenience of claimants such as patient representatives, and by automating the work of issuance of the first manual certification part of the hospital and unmanning the insurance company's claim application. Non-third party patients, hospitals and insurers can be equally benefited, and it is possible to fundamentally eliminate the problem of personal information leakage caused by third party intervention.

Claims (25)

A hospital server located in a hospital having patient information and a medical certificate; A certificate automatic issuing unit connected to the hospital server through a communication network and installed in the hospital to automatically issue the first certificate and the automatic payment of insurance benefits; An insurance benefit relay server connected through the certificate automatic issuing machine and a communication network; An insurance company server connected to the insurance benefit relay server through a communication network; A routing network application server installed outside the firewall of the administrative computer network connected through the automatic certificate issuing machine and the Internet network; A remote civil service server of an administrative computer network connected to the electronic application server of the network and installed in a firewall of an administrative computer network; A routing server of an administrative computer network connected to the remote civil service server and including a fingerprint DB and a certificate DB installed in a firewall of the administrative computer network; The certificate automatic issuing machine, when the applicant is authenticated in the applicant's authentication process, accesses the network server, performs the applicant's identity verification, and after the applicant's identity verification is completed, the hospital server receives the certificate required for the insurance application through the communication network. Insurance benefits remote automatic application system, characterized in that the automatic payment of insurance benefits in real time to the insurance company server via the insurance benefits relay server. The method according to claim 1, The certificate issuing machine includes a card reader and a fingerprint reader; The applicant authentication is stored in the card reader by reading the resident registration number or fingerprint image from the applicant's resident registration card or resident card, and recognizes the applicant's fingerprint in the fingerprint reader to recognize the fingerprint image read from the card reader and the fingerprint reader Insurance payment remote automatic application system, characterized in that performed for one fingerprint. The method according to claim 2, The certificate issuing unit further comprises a photographing means; The card reader reads the applicant's resident registration card or resident registration number from the resident card, and photographs the applicant's face in the photographing means, and stores the read resident registration number and the photographic image. The method according to claim 2, The identity verification of the applicant at the server; The certificate automatic granting machine transmits the applicant's resident registration number and fingerprint image to the route electronic application server, and the route electronic application server transmits the applicant's resident registration number and fingerprint image to a remote civil service server in the administrative computer network. The remote civil service server compares the fingerprint image of the applicant using the fingerprint DB of the network server, and transmits the result data on whether or not the certificate is automatically transmitted to the certificate automatic issuing system. The method according to claim 1, It is further provided with an industrial qualification inquiry server connected through the certificate automatic issuing machine and a communication network; When the applicant is a family agent at the time of authentication of the applicant in the certificate automatic issuing machine, insurance benefits are remotely performed by comparing the subscriber information stored in the hospital server with the subscriber information stored in the industrial qualification inquiry server. Automated Application System. The method according to claim 1, When the applicant is authenticated by the certificate automatic issuing machine, if the applicant is a family member, the insurance benefits remote automatic application system, characterized in that to perform the comparison of the head of household information to the destination server. The method according to claim 1, Insurance payment remote automatic application system further comprises a certificate management server for managing the certificate issuance history and the like connected through the communication network to the automatic certificate issuer. The method according to claim 1, And an electronic payment server connected to the certificate automatic issuing machine through a communication network, the electronic payment server for paying a fee required for issuance of a certificate and the like in the certificate automatic issuing machine. The method according to claim 1, The remote civil service server includes an identity verification module for receiving and processing the applicant's identity verification request from the certificate automatic issuing machine, and a certificate remote issuing module for processing the issuance of the first certificate applied by the certificate automatic issuing machine. Benefits remote automatic application system characterized by. The method according to claim 1, The certificate automatic issuing machine includes a central control module for controlling the entire system; Display and input means for displaying various information to a customer and for inputting information; A fingerprint reader for receiving a user's fingerprint for identification of the user; A card reader capable of inserting a medical card or a resident card to enter a patient's medical number or social security number, or paying a medical fee or medical certificate or fee for issuing a certificate with a credit card; A cash controller for controlling cash receipt of medical expenses or medical certificate or fee for issuing a certificate; A cash withdrawal machine for banknotes and coins connected to the cash controller for inputting real banknotes and cash from customers and discharging change money; A receipt printer for printing fee receipts and receipts; A certificate printer for outputting a medical certificate or a certificate; A paper discharge device for discharging the issued documents collectively; Camera device for taking a picture of the customer to store; And Automatic insurance benefit remote application system comprising a communication means that can be connected to the external device through a communication network. The method according to claim 10, The insurance payment remote automatic application system, characterized in that the display and input means is a touch screen. The method according to claim 10, And a certificate retrieval device for retrieving a non-receipt certificate connected to the paper discharge device. The method according to claim 1, The certificate issuing machine includes an insurance benefit remote automatic application application; The insurance benefit remote automatic application application and the hospital server I / F module for controlling the communication connection and data transmission and reception with the hospital server; A certificate issuing control module for displaying a patient's information received from the hospital server and controlling a series of processes for printing, authenticating and then discharging the selected certificate or certificate; A storage module for displaying a medical certificate or a certificate issuance fee on the screen and controlling the fee when the patient receives the card or cash; A card and cash payment I / F module connected to the electronic payment server for controlling the operation of hardware related to card or cash input for fee storage; An identity verification module for controlling all matters related to identity verification when identity verification is required for issuance of a medical certificate or certificate; An insurance qualification inquiry I / F module which performs the role of requesting the insurance qualification and the identity verification request of the applicant to the industrial qualification inquiry server in association with the identity verification module; A routing network I / F module for remotely applying for a certificate that must be issued and submitted from a government office such as identity verification and resident registration through verification of a fingerprint, and remotely receiving in real time in the form of an electronic document; It includes an insurance benefits remote application I / F module that provides I / F with the insurance relay server that performs the role of delivering the medical certificate issued by the hospital and the certificate and insurance payment application to the insurance server server selected by the patient Benefits remote automatic application system, characterized in that. Authenticating the applicant for insurance benefit application in a certificate automatic grant machine installed in the hospital; Receiving, by the certificate automatic issuing machine, a first certificate such as a medical certificate issued by a hospital for insurance benefit application as an electronic document; Automatically generating, by the certificate automatic issuing machine, an application for insurance application based on the electronic document of the certificate such as the applicant authentication information and the received medical certificate; And automatically transmitting the prepared insurance benefit application and the first certificate to the insurance company server through the communication network. Receiving a key input signal for selecting the certificate to be issued by the applicant in a certificate automatic issuing machine installed in the hospital; Determining whether an authentication of an applicant is necessary at the certificate issuing machine; Performing applicant authentication in the certificate automatic issuing machine if it is determined that the applicant authentication is necessary; Determining whether the applicant is a person or an agent by the certificate automatic issuing machine after the applicant authentication is completed; Receiving the selection key input signal of the certificate issuance head at the certificate automatic issuing machine after the agent authentication is performed or if the applicant is the agent; Receiving a key input signal for selecting an insurance company to apply for insurance benefits in the certificate automatic issuing machine; Recognizing completion of payment of a processing fee in the certificate automatic issuing machine; Outputting a receipt for the payment and the applied certificate in the certificate automatic issuing machine; Automatically filling in the insurance benefit application form in the certificate automatic issuing machine; And automatically transmitting the insurance application and certificate through the communication network from the certificate automatic issuing machine to the selected insurance company. The method according to claim 15, Said attorney certification; A patient information input step of inputting a resident registration number or name of the patient to be issued; A family determination step of determining whether the applicant is a patient and a family by comparing the patient information registered in the hospital server with family information using the issuer information input in the patient information input step; If the applicant is a family of the patient to be issued, performing the authentication by using the subscriber information of the reviewer, whether or not the applicant is a family member in the medical insurance plan; In the step of determining whether the family is not a family, the agent authentication number input step of sending the authentication number to the mobile phone of the patient stored in the hospital server for the agent to enter the authentication number; And comparing the input agent authentication number with the agent authentication number previously registered on the hospital server to determine whether the agent is an authorized agent, and performing authentication. The method according to claim 15, Said attorney certification; Receiving the inputted patient information when the resident registration number or the name of the patient to be issued is input by the automatic certificate issuing machine; Determining whether the applicant is a patient and a family by comparing the patient information registered in the hospital server with the patient information input from the patient information received from the certificate automatic issuing machine; If the applicant is a family of the patient to be issued, requesting representative householder information from the certificate automatic issuing machine and receiving the householder information to be input; Requesting confirmation by transmitting householder information received from the certificate automatic issuing machine to an administrative computer network through the Internet; Transmitting only the result data for the match or inconsistency to the certificate automatic issuing machine in comparison with the head of household information retrieved from the administrative computer network based on the head of household information received from the administrative computer network; And automatically performing the agent authentication based on the result data received from the certificate automatic issuing machine. The method according to claim 15, Performing the applicant authentication in the certificate automatic grant machine; Reading the resident registration number and fingerprint image of the applicant in a card reader provided in the automatic certificate issuing machine; Recognizing the fingerprint of the applicant in a fingerprint reader provided in the certificate issuing machine; And automatically comparing the fingerprint image read by the card reader with the fingerprint recognized by the fingerprint reader and performing authentication according to whether the certificate is automatically issued by the certificate automatic issuing machine. The method according to claim 18, Comparing the fingerprint image read by the card reader with the fingerprint recognized by the fingerprint reader in the automatic certificate issuing machine, and in the step of performing authentication according to whether the fingerprint appears to match; Transmitting, at the certificate automatic issuing machine, the applicant's resident registration number and fingerprint image to an administrative computer network through an internet network; Searching the fingerprint information in a fingerprint DB based on the resident registration number of the applicant received from the administrative computer network and comparing the fingerprint information with the fingerprint image of the applicant; Generating only the result data of the match or inconsistency of the applicant's fingerprint image and the retrieved fingerprint information in the comparing step in the administrative computer network and transmitting the result data to the automatic certificate issuing machine; And automatically applying the certificate of claim based on the received result data in the certificate automatic issuing machine. The method according to claim 19, In the certificate automatic granting machine, transmitting the resident registration number and fingerprint image of the applicant to the administrative computer network through the Internet network; Transmitting, at the certificate automatic issuing machine, the resident registration number and fingerprint image of the applicant to an electronic application server installed at an outside of an administrative computer network firewall connected through an internet network; Reading, by the remote civil service server in the administrative computer network within the firewall, the resident registration number and fingerprint image of the applicant at the electronic application server in the network; And requesting an inquiry of fingerprint information to a travel server having a fingerprint DB by using the resident registration number of the applicant received from the remote civil service server. The method according to claim 19, Matching or mismatching the fingerprint image of the applicant and the fingerprint information retrieved in the comparison step in the comparison step in the fingerprint database by searching the fingerprint information in the fingerprint DB based on the applicant's resident registration number received from the administrative computer network Generating only the result data for the certificate and transmitting the result data to the certificate issuing machine; Retrieving a fingerprint DB of the network server by using the social security number from the network server and transmitting the fingerprint information to the remote civil service server; Storing fingerprint information transmitted from the routing server at the remote civil service server; The remote complaint service server compares the fingerprint information of the applicant sent from the certificate automatic issuing machine with the fingerprint information transmitted from the network server, compares the match and transmits only the result data of the match or the inconsistency to the certificate issuing machine. Insurance benefits remote automatic application method, characterized in that consisting of a step. The method according to claim 15, Transmitting the insurance application and certificate through the communication network from the certificate automatic issuing machine to the selected insurance company; Automatically determining whether a certificate issued by a municipal office is required from among certificates previously registered by the automatic certificate issuing machine; If it is determined that there is a second certificate to be attached, remotely requesting the second certificate from the certificate automatic issuing machine to the administrative computer network of the municipal office through the Internet; Transmitting the first certificate in the form of a file issued from the administrative computer network of the municipal office to the certificate automatic issuing machine; Automatically transmitting the first certificate file received by the certificate automatic issuing machine to a corresponding insurance company server; And automatically updating the first certificate application item, the first certificate reception item, the third certificate insurance company transmission item, and the like to the certificate management server in the certificate automatic issuing machine. The method according to claim 14 or 15, The certificate automatic issuing machine includes a network I / F module, and includes a remote civil service server and a network server in a firewall of an administrative computer network of the municipal office which is connected through the network I / F module and the Internet network; Automatically applying from the remote civil service server to the network server according to the application of the certificate automatic issuing machine; And automatically transmitting, in the form of a file, all information and a certificate such as a fingerprint verification result obtained by comparing the information retrieved from the network server to the certificate automatic issuing machine or the e-mail address specified in the application. Featured automatic remote payment application method. The method according to claim 23, After performing the file transfer step in the remote civil service server, the insurance payment remote automatic application method further comprising the step of real-time transmission of the processing result by SMS text message to the mobile phone of the applicant. The method according to claim 14 or 15, The certificate automatic issuing unit includes a paper ejecting means and a certificate collecting means connected to the paper ejecting means; And recovering the first certificate output from the certificate collection means if the first certificate, etc., outputted to the paper discharge means is not received until a predetermined time has elapsed.

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