KR20150142407A - Non-Life insurance Other damage part Integrated process system - Google Patents

Abstract

The present invention relates to an integrated processing system for compensation in an others. The present invention is to remarkably improve work efficiency and to secure reliability between a liability insurance company (user) asking restoration of damaged object in others and a restoration operator (supplier) directly restoring a damaged object in others, a field of compensation of a liability insurance company. According to the present invention, first, it is very easy to perform an estimation process for restoration of damaged objects in others by restoration operator (supplier) who is a supplier. In other words, conventionally, compensation (restoration cost) is subjectively claimed without objective criteria standardized in items, but in the present invention, an estimate is written by using an estimation program based on a systematically coded database, and compensation is claimed, thereby significantly improving convenience, objectivity, and reliability of estimation. Second, in a case where a liability insurance compensation manager (user) who is a user performs investigation for compensation in others of liability insurance, detailed information or error about estimation items of an estimate written by the restoration operator (supplier) is verified by the present invention and provided, thereby providing the investigation with higher reliability. In other words, objective data collection for estimation items of damaged objects, which was impossible hitherto since the kinds damaged objects belong to others of liability insurance vary widely, is now possible through the present invention, and thus work efficiency is drastically improved in others in liability insurance. In addition, there is also an effect of preventing loss of fund for compensation for the primary purpose of public interest.

Description

{Non-life insurance Other damage part integrated process system}

The present invention relates to an integrated processing system for a car accident insurance and other object areas, and provides a standard in which objectivity is secured with respect to a quote item of another object compensation field that is not standardized, so that a restoration company (supplier) The compensation system of the compensation system of the compensation system for the automobile insurance and the compensation system of the compensation system for the compensation system for the compensation system for the compensation system for the compensation system for the compensation system.

There are about 100,000 cases of damages, such as buildings, roads, traffic facilities, street lights, general facilities, etc., except automobiles, , And the recovery amount is more than KRW 200 billion.

In the course of such a large number of incidents, the damage insurance company (the user) and the restoration company (the supplier) directly recovering the damage occur mutual transactions. However, the damage to other objects is so diverse that there is no standardized quotation item, so the restoration company (supplier) creates a quotation based on a very subjective standard and claims the insurance claim, and the quotation is prepared by a plurality of restorers It is a reality that damage assessment for other object matter is also decided by the subject of compensation person (user) of the damage insurance company and it pays insurance money.

As the situation suggests, the restoration company (supplier) is overvaluing the restoration costs of other matters, and the purpose of the insurance is being damaged for the sake of the public interest.

On the contrary, the damage insurer (user) is in conflict with the restoration company (supplier) due to the inevitable excessive damage assessment due to the impossibility of objective damage assessment.

In the case of non-life insurers, which are aimed at the public interest of the society, there is a lot of investment to provide fair insurance money for the automobile repair part, which accounts for 95% of the total object reward processing.

For example, in the application No. 10-2008-0095522 (Apr. 07, 2010), the integrated insurance system for car insurance and its method are disclosed.

As in the present invention, the present invention is an invention for compensating an automobile in the field of the automobile-liability insurance objective compensation system, which carries out insurance processing for an accident vehicle through a network, acquires accident acceptance information for a predetermined accident vehicle, According to a request from a maintenance company apparatus, a repair cost estimate for the accident vehicle is prepared based on the accident reception information.

In the case of this technology, damage is limited to automobiles, so no estimates can be made for damages other than automobiles.

Therefore, it is required to develop a specialist specialization system that can improve the reliability between the supplier and the user in the other object field and prevent the loss of the insurance money.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a system and method for performing an integration process for restoring an object damaged by a vehicle collision to a restoration company (supplier) And a method thereof.

The technical problem to be solved by the invention is to make it possible for the restoration company to easily prepare restoration estimates for restoration damage.

In addition, the technical problem to be solved by the invention is to enable the damage insurer to more accurately and easily estimate the damage to the object restoration claim.

In order to achieve the object of the present invention, the present invention provides an insurance system for compensating for other fields of an automobile, such as automobile insurance, which includes one or more non-life insurance company terminals providing other objects to be recovered.

In order to accomplish the object of the present invention, the present invention provides at least one restoration provider (supplier) terminal for providing basic information on other objects to be restored to the object; A quote program for claiming restoration damage; And the contents of the insurance payment; A machining program for processing cumulative data for a quotation item; And a damage assessment program that can make it easier for the damage insurance (user) to assess the damage.

According to the example used in the automobile-related-accident insurance system of the present invention, the damage insurance company and the restoration company can quickly and conveniently The reception information for the restoration object, the field information about the restoration object, and the restoration process can be easily shared.

In addition, the restoration company can easily make the estimate necessary for restoration of damage.

In addition, a non-life insurance company that assesses damages restoration estimates at an appropriate amount will be provided with detailed information on the quote items, such as cumulative average unit price, maximum value, minimum value, and image, have.

In addition, it is effective to prevent the restoration in advance by grasping the overcharging tendency of the victim restoration company, selecting the clients, and requesting the restoration work.

1 is an overall conceptual diagram of an integrated processing system for compensation of an automobile-related-loss insurance and other objects according to an embodiment of the present invention
FIG. 2 is a block diagram of a first database server of an integrated system for compensation of an automobile-related-loss insurance and other object sectors according to an embodiment of the present invention
FIG. 3 is a block diagram of a second database server of an integrated system for compensation of car damage insurance and other object sectors according to an embodiment of the present invention
FIG. 4 is a block diagram of an estimation program of an integrated processing system for compensation of an automobile-related-loss insurance and other objects according to an embodiment of the present invention
FIG. 5 is a block diagram of a damage assessment program of an integrated processing system for compensation of automobile damage insurance and other objects according to an embodiment of the present invention
FIG. 6 is a block diagram of a database processing program of an integrated processing system for compensation of automobile damage insurance and other objects according to an embodiment of the present invention
FIG. 7 is a view showing a screen for providing a quotation program for the integrated damage processing system of the automobile insurance and other fields according to the embodiment of the present invention
FIG. 8 is a view showing an example of a damage assessment program providing screen of an integrated system for compensation of automobile damage insurance and other objects in accordance with an embodiment of the present invention
FIG. 9 is a view showing a screen for providing a personnel cost item management screen of a first database server of an automobile-related-loss insurance and other object sector compensation processing integrated processing system according to an embodiment of the present invention
FIG. 10 is a view showing an integrated DB processing section provided in the database processing program of the integrated damage processing system of the automobile damage insurance and other fields according to the embodiment of the present invention
FIG. 11 is a view showing the material cost DB of the database processing program of the integrated damage processing system of the automobile damage insurance and other fields according to the embodiment of the present invention.

Hereinafter, a detailed description will be given of an integrated system for compensation of an automobile-related-loss insurance and other objects according to an embodiment of the present invention with reference to the drawings.

First, the present invention provides an integrated processing system for compensation of automobile damage insurance and other object sectors.

1 is a general conceptual diagram for explaining an integrated system for compensation of an automobile-related-loss insurance and other fields by a temporal example of the present invention.

Referring to FIG. 1, an automobile-related-loss insurance and other field-based compensation processing integrated processing system according to the present embodiment includes at least one terminal 800 of a restoration provider (supplier), an intranet communication server 200, a central processing server 100, A damage database 600, a database processing program 700, a first database server 300, and a second database server 400. The non-life insurance company (user) terminal 900, the quotation program 500, the damage assessment program 600,

Hereinafter, each component will be described in detail with reference to the drawings.

Referring to FIG. 1, the automobile-related-loss insurance system and the other-field-based compensation processing integrated processing system according to the present embodiment includes a non-life insurance company (user) terminal 900.

The non-life insurance company (user) terminal 900 is a terminal for requesting a non-life insurance company representative to request a restoration of other objects. The terminal includes an insurance company reception number, a guarantee guarantee range, Number, type of insurance, accident date, damage type, damage location, victim information, driver information, and other requested information.

The reception information is transmitted to the restoration company through the restoration company (supplier) terminal 800 by using the intranet communication server 200. [

Since the restoration damage is a facility caused by a vehicle collision, it is urgent. Therefore, the receipt information provided by the non-life insurance company must be delivered to the restoration company in real time. The intranet communication server 200 automatically sends SMS text information to the business operator.

The restoration company visits the site where the restoration object is located, and uses the restoration company (supplier) terminal 800 to search for the situation of the site, Estimated repair cost information, and restoration schedule information to the intranet communication server 200, and the non-life insurer person (user) uses the non-life insurance company (user) terminal 900 to share the uploaded information.

Referring to FIG. 1, the automobile-related-loss insurance system and other field-based compensation processing integrated processing system according to the present embodiment includes a central processing server 100.

When the central processing server 100 creates a quotation using the quotation program 500 to be described later by the at least one restoration provider (supplier), the central processing server 100 transmits the quotation item data requested by the restoration company (provider) (300) in an optimal condition.

In addition, the one or more non-life insurers compensation managers (users) present detailed information on the cost of materials, labor, equipment, and other boiling requested by the damage assessment program 600, which will be described later, It plays a role.

Referring to FIG. 1, the automobile-related-loss insurance and other field-based compensation processing integrated processing system according to the present embodiment includes a quotation program 500.

The quotation program 500 serves to facilitate the creation of quotations for restoration damage through one or more restoration provider (supplier) terminals 800.

4, the estimating program 500 includes an estimating unit 510, a purchaser input unit 520, a quotation output unit 530, and a quotation computation unit 540 in order to facilitate such a role have.

The estimator 510 can select a quote item intended by a person who creates a quotation through one or more restoration provider (supplier) terminals 800 by a keyword search method and a sequential search method.

The vendor input unit 520 inputs vendor information on a material cost from the quotation items created by the quotation creation unit 510 and converts the input information into a database.

The quotation calculation processing unit 540 serves to calculate a result value of the quotation item created by the quotation creation unit 510 and the quotation output unit 530 serves to output the quotation by the designated output apparatus.

The first database server 300 stores and manages standard quotation items and quotation data values provided when the quotation is created through one or more restoration provider (provider) terminals.

2, an absolute value managed by the material cost item management unit 310, the labor cost item management unit 320, the equipment cost item management unit 330, and other non-item management unit 340 is stored in the first database server 300 .

Referring to FIG. 1, the automobile-related-loss insurance system and other field-based compensation processing integrated processing system according to the present embodiment includes a damage assessment program 600.

The damage assessment program 600 serves to accurately and easily make a loss assessment on a restoration estimate of restoration damage created by one or more restoration companies (suppliers).

5, the damage assessment program 900 includes a damage assessment input unit 610, an evaluation input unit 620, a reference unit price inspection unit 630, and a damage assessment calculation processing unit 640 .

The damage assessment input unit 610 serves to input a damage assessment amount for a quote (billing) amount for each quote item input through one or more restoration provider (supplier) terminals 800. [

The loss assessment standard unit price inspection unit 630 serves to show detailed information about one or more estimation items to the damage insurer manager (user) in an optimum condition.

In other words, since the detailed information about the items estimated by the restoration provider (supplier) can be checked in real time, it can be easily grasped if the estimate amount (billing) exceeds or falls below the reference unit price, It plays a role.

The damage assessment processing unit 640 calculates a value created by the damage assessment input unit 610. [

Referring to FIG. 1, an automobile-related-loss insurance and other field-based compensation processing integrated processing system according to the present embodiment includes a database processing program 700.

The database processing program 700 processes the data stored in the second database server 400 according to the requirements of the user and provides the processed data to the user.

3, the second database server 400 includes a material purchaser information DB management unit 410, a quotation history information DB management unit 420, and a damage assessment information DB management unit 430 have.

Referring to FIG. 6, the database processing program 700 includes a material cost DB search unit 710, an incident DB processing unit 720, a row-by-row DB processing unit 730, and an integrated DB processing unit 740.

The material cost DB searching unit 710 serves to provide detailed information on a material cost item requested by a user in a searching method using a DB stored in the second database server 400. [

The detailed information on the material cost item is detailed information for verifying the accuracy of the estimated price of the material cost item provided from the at least one restoration provider (supplier) terminal 800. The detailed information about the material cost item is a maximum value and a minimum value , Suggesting a recommended price using an average value, and including purchase area, purchaser, image, and the like.

That is, the damage assessment program 600 can check an error or the like of the estimate amount provided from the one or more restoration provider (supplier) terminal 800 based on the detailed information on the material cost item.

Furthermore, the damage assessment program 600 serves to provide a credit rating of the restoration provider (supplier) by converting the reliability of the restoration provider (supplier) into a database.

The reason why the credit rating of the restoration company (supplier) is given in this way is to allow the non-life insurance company (user) to make a selection based on the credit rating at the stage of designating the restoration company.

The incident DB processing unit 720 processes the accumulated data information accumulated in the estimate history information management unit 420 and the damage assessment information management unit 430 stored in the second database server 400 in accordance with the requirements of the user Processing and providing to the user.

The DB-processing unit 730 processes the data information accumulated in the estimate history information management unit 420 and the damage assessment information management unit 430 stored in the second database server 400 in accordance with the requirements of the user And provides it to the user.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, .

100: central processing server
200: Intranet Communications Server
300: first database server
400: Second database server
500: Estimate Program
600: Damage Assessment Program
700: Database part program
800: Restoration operator (supplier) terminal
900: Non-life insurance company (user) terminal

Claims (1)

In the case of automobile loss insurance and other object sector compensation processing integrated processing system,
Other Objective Compensation Processing List of work selection information including at least one of field information management for damage restoration reception, damage assessment management, restoration company management, report management, and material search management from integrated processing service means A non-life insurance company (user) terminal 900 provided with a non-life insurance company (user) terminal;
Other Objective Compensation Processing At least either of the damage recovery request information, damages site information report management, buyer management, quotation management, payment guarantee information management, insurance payment history information management, overall progress status management, A restoration provider (supplier) terminal 800 that receives task selection list information including at least one task selection list information;
An intranet communication server 200 for connecting business information of a restoration company (provider) and a non-life insurance company (user);
A quotation program 500 for estimating restoration contents by the restoration provider (supplier);
An estimate creating unit 510 for calculating a restoration ratio based on a standard estimate item provided by the first database server,
A vendor input unit 520 for registering and managing basic information of a company that purchased the restoration material,
An estimate output unit 530 that can output the calculated quotation content through an external device,
A quotation calculation processing unit 540 for finally calculating a quotation amount according to the quotation contents,
A damage assessment program (600) for allowing the damage insurance manager (user) to facilitate the damage assessment of the estimate submitted by the recovery provider (supplier);
A damage assessment input unit 610 for making an estimate amount of a quotation item adjusted by a reasonable amount,
The evaluation input unit 620 for evaluating the ability of the restoration company (supplier) to perform the task,
A reference unit price browsing unit 630 for providing detailed information and error information about a quotation item requested by the restoration company (supplier)
A loss calculation processing unit 640 for calculating a final amount by reflecting an amount to be paid for fixing the damage assessment result value and an adjustment amount for each item,
A first database server (300) for storing standard quotation items for each field in order to create an objectionable quotation by the restoration provider (supplier) and automatically providing the result value at the request of the quote creator;
A material cost item management unit 310 for encoding and managing a material cost item for estimating a purchase cost for the material used for restoration of the object damage,
A labor cost item management unit 320 for encoding and managing a labor cost item for estimating a labor cost for a workforce used for restoration of other object damage,
A equipment cost item management unit 330 for encoding and managing equipment cost items for estimating the equipment cost of the equipment used for restoration of other object damage,
Other non-item management unit 340 that codes other non-items to estimate other items other than those items used for restoration of other damage items,
A supplier DB management unit 350 for managing detailed information of the restoration company (supplier)
A user DB management unit 360 for managing basic information of a non-life insurer person (user)
A second database server 400 for storing and managing a quotation and a damage assessment record created by a non-life insurer person (user) and a restoration company (supplier) in a database,
A material purchaser information DB management unit 410 for classifying, storing and managing detailed information of the purchasers purchasing the materials,
A quotation history DB management unit 420 for classifying and storing the quotation details by type,
A damage assessment DB management unit 430 for classifying, storing and managing damage assessment results,
A database processing program 700 for processing the database information stored in the second database server to meet the requirements of the user;
A material cost DB search unit 710 for processing the accumulated material cost item data and providing the contents of the detailed information about the material requested by the user so as to be able to be searched,
A collective DB processing unit 720 for extracting the accumulated quotation data for each estimated quotation and processing it according to the requirements of the user,
A row-by-row DB processing unit 730 for extracting the accumulated quotation contents for each row of the quotation item, processing the same in accordance with the requirements of the user,
And an integrated DB processing unit 740 for processing and providing all information generated in the system in accordance with the requirements of the user.

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