KR20200025987A - Apparatus and method for providing coverage information of insurance - Google Patents

Abstract

According to an embodiment of the present invention, a method for providing insurance coverage information performed by an apparatus for providing insurance coverage information comprises the steps of: receiving a request to provide insurance coverage information; collecting insurance registration information of a user; identifying an insurance the user has registered to based on the collected insurance registration information; searching for a coverage item corresponding to a treatment item inputted by the user in policies of the identified insurance; and extracting coverage information related to the coverage item from the policies of the identified insurance and providing the coverage information to the user.

Description

Apparatus and method for providing insurance coverage information {APPARATUS AND METHOD FOR PROVIDING COVERAGE INFORMATION OF INSURANCE}

The present invention relates to an apparatus and method for providing insurance guarantee information. More specifically, the present invention relates to a device and a method for providing insurance coverage information, which can provide a subscriber with specific insurance items or conditions of coverage of his insurance.

It is difficult for the insured to know the specific coverage items or conditions of coverage. In particular, those who have incurred loss insurance or dental insurance may not be able to receive the benefits even though they do not know the details of the insurance and take the cost to treat the diseases covered by the payment items. There are frequent cases where claims have been claimed after treatment of a disease that is not covered, but the payment is refused.

Therefore, the insureds need a means to identify the insurance items and specific coverage conditions of the insurance they have insured, and to plan a disease treatment plan or to make a claim for an already treated disease.

In addition, it is difficult for the health care providers to plan the treatment with the patient because it is difficult to know in advance whether the client or the patient is insured or the details of specific coverage items. For example, when a patient's teeth require multiple prosthetic treatments, a health care provider may be able to suggest the most effective treatment method and timeframe within the scope of coverage if he or she can identify the patient's dental insurance coverage prior to treatment. .

Furthermore, various medical terms described in the terms and conditions of insurance products are written differently between insurance companies and insurance products or when they are insured, and the sentences of the terms and conditions are often difficult for the general public to understand. In addition, the terms that refer to each disease or treatment in actual hospitals are not uniform. Therefore, in the case of actual disease treatment, subscribers often do not know whether the disease they want to treat corresponds to the coverage item, but do not understand the terms.

This not only provides you with information about your coverage and terms of coverage for your coverage, but also ensures the consistency of the terms in your insurance policy or the terms used by your health care providers. There is a need for a technical solution to ensure that the items match.

On the other hand, the background art described above is technical information that the inventors possessed for the derivation of the present invention or acquired in the derivation process of the present invention, and is not necessarily a publicly known technique disclosed to the general public before the present application of the present invention. .

Embodiments disclosed herein are intended to provide an apparatus and method for providing insurance coverage information that can provide insurance coverage or insurance conditions to an insured subscriber.

Embodiments disclosed herein are intended to provide an apparatus and method for providing insurance coverage information capable of establishing a disease treatment plan or performing a claim for a treated disease.

Embodiments disclosed herein are intended to provide an apparatus and method for providing insurance coverage information capable of proposing a treatment method or time period based on insurance correction information of an insurance subscriber.

Embodiments disclosed herein are intended to provide an apparatus and method for providing insurance coverage information that can confirm whether or not the actual treatment items and insurance coverage items coincide with various medical terms described in the terms of insurance products. .

As a technical means for achieving the above-described technical problem, according to an embodiment, the insurance coverage information providing apparatus collects insurance subscription information of the user, and identifies the insurance subscribed by the user based on the collected insurance subscription information A control unit for searching for the insurance item corresponding to the treatment item input by the user in the terms of the identified insurance, and detecting the insurance information related to the insurance item in the terms of the identified insurance, and providing the detected insurance information to the user. It includes an input / output unit.

According to another embodiment, the insurance coverage information providing method performed by the insurance coverage information providing apparatus may include receiving a request for providing insurance coverage information, collecting insurance coverage information of the user, and collecting the insurance coverage information. Identifying insurance that the user has subscribed to, searching for coverage items corresponding to the treatment item input by the user in the terms of the identified insurance, and extracting coverage information related to the coverage from the terms of the identified insurance Providing to the user.

According to another embodiment, a computer-readable recording medium having a program for executing the method for providing insurance coverage information recorded therein, the insurance coverage information providing method comprising: receiving a request for providing insurance coverage information, insurance subscription information of a user Collecting the insurance, identifying the insurance subscribed to by the user based on the collected insurance information, retrieving the insurance items corresponding to the treatment items input by the user from the terms of the identified insurance, and And extracting insurance information related to the insurance item from the insurance policy and providing the same to the user.

According to yet another embodiment, a computer program executed by a device for providing insurance information and stored in a medium for performing the method for providing insurance information, the method for providing insurance information includes receiving a request for providing insurance information of insurance; Step of collecting insurance information of the user, identifying the insurance subscribed to by the user based on the collected insurance information, and identifying the insurance items corresponding to the treatment items input by the user in terms of the identified insurance Searching, and extracting insurance information related to the insurance item from the identified insurance terms and providing the same to the user.

According to any one of the above-described problem solving means of the present invention, embodiments can provide an insurance coverage information providing apparatus and method that can provide insurance coverage or insurance conditions to the insured subscriber.

According to any one of the problem solving means of the present invention, it is possible to provide a device and method for providing insurance coverage information that can establish a disease treatment plan or claim insurance for the treated disease.

According to any one of the problem solving means of the present invention, it is possible to provide an insurance coverage information providing apparatus and method that can propose a treatment method or time period based on the insurance correction information of the insured.

In addition, according to any one of the problem solving means of the present invention, there is provided an apparatus and method for providing insurance coverage information that can confirm whether or not the actual treatment items and insurance coverage items match the various medical terms described in the terms of the insurance products Can present

Effects obtained in the present invention are not limited to the above-mentioned effects, and other effects not mentioned above may be clearly understood by those skilled in the art from the following description. will be.

1 is a diagram illustrating a system for providing insurance guarantee information according to an exemplary embodiment.
2 is a block diagram illustrating an apparatus for providing insurance guarantee information according to an exemplary embodiment.
3 is a diagram illustrating a reference layer according to an exemplary embodiment.
4 is a diagram for describing an operation of extracting text from insurance policy data using a reference layer, according to an exemplary embodiment.
5 is a diagram for describing terms of reference data according to an exemplary embodiment.
6 is a diagram illustrating a screen of a user terminal for providing insurance guarantee information, according to an exemplary embodiment.
7 is a flowchart illustrating a method of providing insurance guarantee information performed by the apparatus for providing insurance guarantee information according to an embodiment.

Hereinafter, various embodiments will be described in detail with reference to the accompanying drawings. The embodiments described below may be embodied in various different forms. In order to more clearly describe the features of the embodiments, detailed descriptions of the matters well known to those skilled in the art to which the following embodiments belong are omitted. In the drawings, parts irrelevant to the description of the embodiments are omitted, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a configuration is "connected" to another configuration, this includes not only 'directly connected', but also 'connected with another configuration in the middle'. In addition, when a configuration "includes" a certain configuration, this means that, unless specifically stated otherwise, it may further include other configurations other than the other configuration.

Hereinafter, exemplary embodiments will be described in detail with reference to the accompanying drawings.

However, before describing this, the meanings of the terms used below are first defined.

'Insurance information' refers to information related to the insurance you have, such as the insurance company of the insurance you have, the type of insurance, the time of the insurance, the expiration of the insurance, the monthly payment and the total amount paid, and the type of rider you have selected when you purchased the insurance. Or content.

The insurance policy data may be collected from an insurance company server or the like as data corresponding to each type of insurance product. The insurance policy data may be posted or included on a web page provided by each insurance company server in a file format that specifies insurance policies that are common to all insurers of each insurance product.

The reference layer may be an image in which a scale is displayed for each horizontal and vertical unit coordinate intervals so that horizontal and vertical coordinate values can be identified on each page of the insurance policy data. In addition, the portion outside the scale of the reference layer may be composed of an image having high transparency and may be overlaid on each page of the insurance policy data. The reference layer refers to an object in the form of an image used for extracting data in a desired coordinate region within the insurance policy.

1 is a diagram illustrating an apparatus for providing insurance guarantee information according to an exemplary embodiment.

Referring to FIG. 1, the insurance coverage information providing system 10 may include user terminals 21 and 22 and the insurance coverage information providing apparatus 100. Additionally, the insurance coverage information providing system 10 may include insurance company servers 31 and 32 and a medical person terminal 23.

The user terminals 21 and 22 mean terminals used by the user. In particular, the user terminal may be an electronic terminal used by insured subscribers, but may also be an electronic terminal used by an insurance payer (or insurance planner, etc.) as necessary. In more detail, the electronic terminal may be implemented as a computer, a portable terminal, a wearable device, or the like, connected to a remote server through a network N or connected to another terminal and the server. Here, the computer includes, for example, a laptop, desktop, laptop, etc., equipped with a web browser, and the portable terminal is, for example, a wireless communication device that ensures portability and mobility. , Personal Communication System (PCS), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Global System for Mobile communications (GSM), International Mobile Telecommunication (IMT) -2000, CDMA (Code) Division Multiple Access (2000), all types of handhelds such as WCode Division Multiple Access (W-CDMA), Wireless Broadband Internet (Wibro), Smart Phones, Mobile Worldwide Interoperability for Microwave Access (WiMAX), etc. ) May include a wireless communication device.

In addition, the medical personnel terminal 23 is an information processing apparatus used by medical service providers, and may be implemented as an electronic terminal such as the user terminal described above.

The insurer servers 31 and 32 are computing devices commonly used by insurers, and upon receiving requests from users through a network, may provide web services in response to the requests. Specifically, the insurer servers 31 and 32 display the terms and conditions of all kinds of insurance products operated by the insurer as web pages or other file formats, for example, files such as Portable Document Format (PDF). Can be provided to

In addition, the insurance company server (31, 32) holds the insurance subscription information of each user, it can provide insurance subscription information at the request of the user who has undergone the authentication process.

The insurance guarantee information providing apparatus 100 may collect insurance policy data corresponding to each type of insurance product from an insurance company server. The insurance coverage information providing apparatus 100 may collect insurance policy data for each insurance product provided by each insurance company.

The insurance coverage information providing apparatus 100 is an information processing apparatus that can communicate with the user terminals 21 and 22, the medical personnel terminal 23, and the insurance company servers 31 and 32 through a network, and operates the insurance coverage information providing service. It is a computing means used by. The insurance coverage information providing apparatus 100 functions as a server apparatus of a typical client-server system, and is linked to a user program and / or a medical person in association with client programs installed in the user terminals 21 and 22 and the medical staff terminal 23, respectively. Insurance coverage information can be provided.

According to an embodiment, the insurance coverage providing apparatus 100 collects insurance subscription information of a user (ie, an insurance subscriber). The insurance coverage information providing apparatus 100 may identify the insurance subscribed by the user based on the collected insurance subscription information, and search for the insurance coverage corresponding to the treatment item input by the user in the insurance contract, that is, the insurance contract data. can do.

The insurance coverage information providing apparatus 100 may detect and provide coverage information such as coverage or coverage related to a coverage item in the terms of the identified insurance and provide the same to the user.

2 is a block diagram illustrating an apparatus for providing insurance guarantee information according to an exemplary embodiment.

2, the insurance coverage information providing apparatus 100 may include an input / output unit 110, a communication unit 120, a storage unit 130, and a control unit 140.

The input / output unit 110 may include an input unit for receiving an input from a user, and an output unit for displaying information such as a result of performing a task or a state of the insurance guarantee information providing apparatus 100. For example, the input / output unit 110 may include an operation panel for receiving a user input and a display panel for displaying a screen.

In detail, the input unit may include devices capable of receiving various types of user input, such as a keyboard, a physical button, a touch screen, a camera, or a microphone. In addition, the output unit may include a display panel or a speaker. However, the present invention is not limited thereto, and the input / output unit 110 may include a configuration that supports various input / output.

The communicator 120 may perform wired or wireless communication with another device or a network. To this end, the communication unit 120 may include a communication module supporting at least one of various wired and wireless communication methods. For example, the communication module may be implemented in the form of a chipset.

The wireless communication supported by the communication unit 120 may be, for example, Wi-Fi (Wireless Fidelity), Wi-Fi Direct, Bluetooth, Ultra Wide Band (UWB), or Near Field Communication (NFC). In addition, the wired communication supported by the communication unit 120 may be, for example, USB or High Definition Multimedia Interface (HDMI). The above-described communication is only an example, and various communication techniques are possible for the insurance guarantee information providing apparatus 100 to perform communication.

Through this, the communicator 120 may communicate with the user terminals 21 and 22, the medical personnel terminal 23, and the insurance company servers 31 and 32, respectively.

The storage unit 130 may install and store various types of data such as files, applications, and programs. The data stored in the storage 130 may be accessed and used by the controller 140 to be described later, or new data may be stored by the controller 140. In addition, the storage unit 130 may store a program that may be executed by the controller 140.

According to one embodiment, the storage unit 130 may store the insurance subscription information for the user account, where the insurance information is insurance company, the type of insurance, the time of insurance, insurance maturity, monthly payment, Information related to the insurance possessed by the user, such as the total amount of payment, and the type or content of the special contract selected by the user when the insurance is included, may be stored in fields. The storage unit 130 may store information about a coordinate region in which text is to be extracted from each page of the insurance policy data when the reference layer is used. The storage unit 130 may store a program that can provide insurance information of insurance corresponding to the treatment item of the user.

The controller 140 may control the overall operation of the insurance guarantee information providing apparatus 100 and may include a processor such as a CPU. The controller 140 may control other components included in the insurance guarantee information providing apparatus 100 to perform an operation corresponding to a user input received through the input / output unit 110.

According to the present embodiment, the controller 140 may communicate with a client program installed in a user terminal to allow a user to access the corresponding user account of the insurance company server using the acquired personal information. For example, the insurance coverage information providing apparatus may register an accredited certificate from a user and access the corresponding user account of a plurality of insurers using the registered accredited certificate. In this case, the controller 140 may access an insurance company server using an official certificate registered by a user using an application installed in the user terminal. Of course, the insurance coverage information providing apparatus may access each user account using an API provided by the insurance company server.

When insurance subscription information exists for the corresponding user account, the controller 140 may scrape and record the insurance subscription information in the storage 130.

In this case, the controller 140 records the insurance subscription information scraped in association with the corresponding user's account. At this time, the control unit 140 may create an account for each user in providing services to the users through the user terminal, and insurance subscription information of each user scraped from the insurance company server in association with the account identification information of each user. Can be recorded.

Meanwhile, the controller 140 may collect insurance policy data corresponding to each type of insurance product from the insurance company server. In this case, the insurance policy data may be posted or included on a web page provided by each insurance company server in a file format in which the insurance policy applies to all subscribers of each insurance product, and the controller 140 may provide the insurance policy. Collect insurance policy data for each insurance product. In this case, since each insurance policy data is not unique to a specific user, the controller 140 may collect insurance policy data without using an account of a specific user.

In addition, the controller 140 may analyze the collected insurance policy data to extract information about the insurance items and the insurance conditions that are guaranteed by each insurance product.

In this case, the controller 140 may use various methods to separately extract only information related to the guaranteed item and the guaranteed condition from the contents described in the insurance policy data.

For example, the controller 140 may parse and extract all texts included in the insurance policy data, and extract information on the guaranteed item and the insurance condition through contextual analysis.

Alternatively, the controller 140 may extract only the text of the preset area to extract information about the guaranteed item and the guaranteed condition. To this end, the controller 140 may first overlay the reference layer on each page of the insurance policy data, and then extract only the text of the specific coordinate region by referring to the coordinate value on the reference layer.

In this case, the reference layer may be an image in which a scale is displayed for each horizontal and vertical unit coordinate interval so that the horizontal and vertical coordinate values can be identified on the page. The non-gradation part of the reference layer may be composed of a highly transparent image and may be overlaid on each page of the insurance policy data. A detailed description of the reference layer will be described with reference to FIG. 3 below.

On the other hand, the control unit 140 may hold and continuously update the information on the coordinate region and the extraction region information from which the text should be extracted from each page of the insurance policy data. Of course, since insurance policy data generally includes a plurality of pages, extraction area information may be set for each page. Coordinate areas may not be set for some pages, and two or more different coordinate areas may be set for some pages.

On the other hand, the control unit 140 may have different extraction area information for each insurance company and further for each insurance company's insurance product type. When abnormal data is detected as a result of extracting text from insurance policy data using specific extraction area information, an error of extraction area information corresponding to the insurance policy data may be reported to an operator of the controller 140 in the form of an alarm or the like. .

For example, in analyzing insurance policy data of B insurance company's dental insurance product B, as a result of extracting text using the extraction area information applied to all A insurance company's dental insurance product groups, insurance item information of insurance should be extracted. If the area does not contain any data related to the insurance item name of the insurance, the extraction area information may be updated by reporting an error of the extraction area information.

The text information extracted by setting the extraction area information may include an insurance company name, an insurance product name, a guaranteed item main name, a guaranteed item sub name, a guaranteed condition, and the like. For example, the insurance company name and the insurance product name are for identifying the insurance product and checking whether the insurance product corresponds to the insurance product subscribed by the user, and may be set as 'XX maritime', 'dividend free OOO dental insurance', and the like. For example, the guaranteed item main name and the sub name may be an upper category name and a sub category name, such as 'tooth preservation therapy' and 'amalgam'. In addition, the guarantee condition may be composed of text data, for example, may be composed of a written statement such as 'when calculus scaling treatment for the purpose of treating periodontal disease gum disease after the start of the guarantee'. Furthermore, in relation to the guarantee condition, a plurality of different data fields may be configured. For example, the basic guarantee condition and the payment rate may be set to be extracted as information to be written in different data fields. Relevant terms of coverage may also include, for example, non-guaranteed and non-guaranteed payment rates. That is, it may include data indicating the period and numerical information indicating the payment rate whether the premium is not paid or only partially paid for the corresponding insurance item until after the insurance. For example, the data may include 90 days of coverage and 0% coverage if implant treatment is not covered for 90 days after insurance. Furthermore, the information on the condition for excluding insurance or insurance exemption may also be set to be extracted.

In other words, with regard to the conditions of coverage, the rider classification, cause of treatment, renewal, preconditions for coverage, subscription amount, basic payment rate, non-coverage period, non-coverage period payment rate, reduction period, reduction period payment rate, limitation, limit of payment, conditions for out of coverage, treatment In case of duplication, information such as insurance payment condition, insurance payment exclusion condition, sale start date and expiration period can be extracted.

Meanwhile, the extracted text data may include insurance company names, insurance product names, guaranteed item main names, guaranteed item sub names, and guaranteed conditions in different data fields, but may be written in association with each other. Accordingly, as a result of analyzing the respective insurance policy data, the controller 140 converts the insurance policy data into structured data such as insurance company name, insurance product name, insurance item main name, insurance item sub name, and insurance condition. Create and save data. In this case, each of the terms and conditions reference data may be generated based on the guaranteed item sub name. That is, since the guaranteed conditions are set differently for each guaranteed item sub-name, data can be written by generating different rows or columns for each guaranteed item sub-name.

In this case, when generating and storing the terms and conditions reference data, the controller 140 may standardize and store the names of the guaranteed items included in the terms and conditions reference data of each insurance product, in particular, the items of the guaranteed items. The sub-name of the coverage item may be expressed differently for each insurance company. However, since the sub-name corresponds to the actual disease or treatment name, the standardization of the sub-name may provide the insurance information by comparing the standard data of the agreement with the actual treatment item. For example, 'implant treatment' may be expressed differently, such as 'tooth implantation'. Thus, the standardized data for terms and conditions may be generated through a process of standardizing these synonyms or similar words into a unified vocabulary.

3 is a diagram illustrating a reference layer according to an exemplary embodiment.

Referring to FIG. 3, the reference layer 200 may be an image in which a scale is displayed for each unit coordinate interval of the horizontal axis 210 and the vertical axis 220.

For example, the reference layer 200 may have a positive portion of the right side of the horizontal axis 210 based on the central portion where the horizontal axis 210 and the vertical axis 220 intersect (eg, set to the coordinate value '0'). +1, +2, +3,…), the left part may have a value that increases in order of negative numbers (−1, −2, −3,…), and the upper part of the vertical axis 220 may have a positive value (+1). , +2, +3, ...) and the lower part can be set to negative numbers (-1, -2, -3, ...).

In addition, in the reference layer 200, the scale is displayed in red for each unit coordinate interval of the horizontal axis 210 and the vertical axis 220. In the insurance guarantee information providing apparatus 100, portions other than the scale are overlaid with high transparency. Detection of insurance policy data can be facilitated.

The insurance coverage information providing apparatus 100 may set information on an extraction area region for extracting text for each page of insurance policy data, based on the unit coordinates of the horizontal axis 210 and the vertical axis 220. The insurance coverage information providing apparatus 100 may set extraction region information for each page, and may continuously update the extraction region information according to whether the insurance policy data is changed.

4 is a diagram for describing an operation of extracting text from insurance policy data using a reference layer, according to an exemplary embodiment.

Referring to FIG. 4, an enlarged view of the region 201 in the reference layer 200 illustrated in FIG. 3 is illustrated.

In the region 201, a coordinate value may be set around a point where the horizontal axis and the vertical axis intersect, and the coordinate value may be expressed as '(coordinate value of the horizontal axis, coordinate value of the vertical axis)'. For example, the insurance coverage information providing apparatus 100 may include text of 'dividend free xx tooth insurance' included in a coordinate area from the first coordinates 1 and 3 to the second coordinates 5 and 3 of the insurance policy data. Extraction area information may be set to extract 230. In addition, the insurance coverage information providing apparatus 100 is included in the coordinate area from the third coordinate (-4, -5) to the fourth coordinate (-2, -3) of the insurance policy data 'reduction period: 365 days, Reduction rate: The extraction area information can be set to extract the text 240 of 50% '.

In this case, the insurance guarantee information providing apparatus 100 does not extract the text 250 of the 'insurance policy' or the text 260 of the 'guarantee analysis' from the insurance policy data because it is not set as the extraction area information.

5 is a diagram for describing terms of reference data according to an exemplary embodiment.

Referring to FIG. 5, the insurance coverage information providing apparatus 100 has the insurance subscription information and the term reference data 300 of each user as described above, and the type of insurance product identified in the insurance subscription information of each user. Check the terms and conditions reference data 300 corresponding to.

The terms and conditions reference data 300 may include information on the guarantee item 310 and the guarantee condition 320.

For example, when it is confirmed that a specific user has subscribed to insurance B of insurance company A, insurance coverage information providing apparatus 100 checks the conditional reference data of insurance insurance B of insurance company A and responds to each insurance item sub-name and its corresponding. It is possible to calculate the amount of insurance payments and the amount of payment to the corresponding user in advance to data. Of course, it is not necessary to calculate data such as the availability and payment amount of each insurance item for each user in advance, and it is possible to perform the calculation only when the user's request is received. Therefore, the information related to the insurance for each insurance coverage item may be generated in advance so that the operation speed may be improved when a user request is received later.

6 is a diagram illustrating a screen of a user terminal for providing insurance guarantee information, according to an exemplary embodiment.

Referring to FIG. 6, the insurance coverage providing apparatus 100 may receive a request for providing insurance coverage information from a user in association with an application installed in the user terminal 410. For example, an application installed in the user terminal 410 may output insurance information subscribed to by the user, and may provide a user interface 411 that may additionally input treatment items to be recently treated or to be treated. . The information input through the user interface 411 may be transferred to the insurance coverage information providing apparatus 100.

In this case, the request for providing insurance coverage information may include information such as a treatment name, the number of treatments, a cause of treatment (disease or injury), a diagnosis date, and an anticipated completion date of treatment.

The insurance coverage information providing apparatus 100 having received the insurance coverage information provision request is illustrated in FIG. 5 in correspondence with the insurance to which the corresponding user subscribes a coverage item corresponding to the “treatment name” included in the insurance coverage information provision request. Can be searched in the guaranteed item sub-name recorded in the standard terms and conditions data 300. Accordingly, the insurance coverage information providing apparatus 100 may determine a coverage condition associated with the coverage item sub-name corresponding to the treatment name and calculate a final expected coverage. That is, the insurance coverage information providing apparatus 100 checks the coverage items that the user can be covered based on the insurance subscription information of the user and the standard data of the terms, and displays the treatment name and other information included in the insurance coverage information request. With reference, specific guarantees and amounts can be calculated.

The insurance coverage information providing apparatus 100 may output information on whether coverage and the calculated amount are displayed through the screen 421.

7 is a flowchart illustrating a method of providing insurance guarantee information performed by the apparatus for providing insurance guarantee information according to an embodiment.

Referring to FIG. 7, the insurance coverage information providing apparatus 100 receives a request for providing insurance coverage information (S510). For example, the insurance coverage information providing apparatus 100 may receive a request for providing coverage information from a user terminal or a healthcare provider terminal.

The insurance coverage information providing apparatus 100 may collect insurance subscription information for a user (S520). The insurance information of the user may be scraped and stored in association with the user's account.

The insurance guarantee information providing apparatus 100 may identify the insurance subscribed by the user (S530). In this case, the insurance coverage information providing apparatus 100 may check the insurance product identified in the insurance subscription information of the user.

The insurance guarantee information providing apparatus 100 may search for the supplementary item in the terms of the identified insurance (S540). The insurance guarantee information providing apparatus 100 may check the condition reference data corresponding to the type of the insurance product to be identified.

The insurance guarantee information providing apparatus 100 may detect whether a claim item exists (S550). The insurance guarantee information providing apparatus 100 may analyze insurance policy data of the insurance to extract information on the insurance item and the insurance condition guaranteed by the insurance product. In this case, the insurance coverage providing apparatus 100 may parse and extract all texts included in the insurance policy data and then analyze the context or extract only the text of a predetermined area. When the insurance coverage information providing apparatus 100 extracts only the text of the preset area, the insurance coverage information providing apparatus 100 may overlay only the reference layer having the preset coordinate value and then extract only the specific text using the coordinate value on the reference layer.

As a result of the determination in step S550, if the insurance item exists, the insurance coverage information providing apparatus 100 proceeds to step S560.

The insurance coverage information providing apparatus 100 may provide coverage information related to the coverage item to the user (S560). The insurance guarantee information providing apparatus may provide the user with at least one of information about whether the insurance is guaranteed and information about the amount of the insurance. Through this, the user can check the coverage and the amount of coverage corresponding to the treatment item based on his insurance information.

As a result of the determination in step S550, if there is no guarantee item, the insurance coverage information providing apparatus 100 ends the process.

The term '~ part' used in the present embodiment refers to software or a hardware component such as a field programmable gate array (FPGA) or an ASIC, and the '~ part' performs certain roles. However, '~' is not meant to be limited to software or hardware. '~ Portion' may be configured to be in an addressable storage medium or may be configured to play one or more processors. Thus, as an example, '~' means components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, procedures, and the like. Subroutines, segments of program patent code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables.

The functionality provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or separated from additional components and 'parts'.

In addition, the components and '~' may be implemented to play one or more CPUs in the device or secure multimedia card.

In addition, the insurance coverage information providing method according to an embodiment of the present invention may be implemented as a computer program (or computer program product) including instructions executable by a computer. The computer program includes programmable machine instructions processed by the processor and may be implemented in a high-level programming language, an object-oriented programming language, an assembly language, or a machine language. . Computer programs may also be recorded on tangible computer readable media (eg, memory, hard disks, magnetic / optical media or solid-state drives, etc.).

Therefore, the insurance guarantee information providing method according to an embodiment of the present invention can be implemented by executing the computer program as described above by the computing device. The computing device may include at least a portion of a processor, a memory, a storage device, a high speed interface connected to the memory and a high speed expansion port, and a low speed interface connected to the low speed bus and the storage device. Each of these components are connected to each other using a variety of buses and may be mounted on a common motherboard or otherwise mounted in a suitable manner.

Here, the processor may process instructions within the computing device, such as to display graphical information for providing a graphical user interface (GUI) on an external input, output device, such as a display connected to a high speed interface. Instructions stored in memory or storage. In other embodiments, multiple processors and / or multiple buses may be used with appropriately multiple memories and memory types. The processor may also be implemented as a chipset consisting of chips comprising a plurality of independent analog and / or digital processors.

The memory also stores information within the computing device. In one example, the memory may consist of a volatile memory unit or a collection thereof. As another example, the memory may consist of a nonvolatile memory unit or a collection thereof. The memory may also be other forms of computer readable media, such as, for example, magnetic or optical disks.

The storage device can provide a large storage space to the computing device. The storage device may be a computer readable medium or a configuration including such a medium, and may include, for example, devices or other configurations within a storage area network (SAN), and may include a floppy disk device, a hard disk device, an optical disk device, Or a tape device, flash memory, or similar other semiconductor memory device or device array.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

10: insurance coverage information providing system 21, 22: terminals
31, 32: insurance company servers 100: insurance coverage information providing device
110: input and output unit 120: communication unit
130: storage unit 140: control unit

Claims (24)

Collect insurance information of the user, identify the insurance subscribed by the user based on the collected insurance information, and search for the insurance items corresponding to the treatment items entered by the user in the terms of the identified insurance; A control unit which extracts insurance information related to the insurance item from the insurance policy; And
Insurance coverage information providing device comprising an input and output unit for providing the coverage information to the user. The method of claim 1,
The control unit,
Insurance coverage information providing apparatus for detecting the coverage information including at least one of information on whether the coverage of the insurance and information on the amount of coverage. The method of claim 1,
The insurance guarantee information providing apparatus,
Further comprising a storage unit,
The control unit,
Insurance insurance information providing apparatus for scraping the insurance subscription information of the user from the insurance company server and stored in the storage unit in association with the user account. The method of claim 1,
The control unit,
Insurance coverage information providing device for analyzing the insurance policy data of the insurance to extract information on the guaranteed items and coverage conditions covered by the insurance product. The method of claim 4, wherein
The control unit,
Insurance parsing information providing apparatus for parsing and extracting all the texts included in the insurance policy data, and analyzing the context to extract information about the insurance item and the insurance condition. The method of claim 4, wherein
The control unit,
Insurance coverage information providing device for extracting the information on the coverage item and the coverage conditions by extracting only the text of the predetermined area from the insurance policy data. The method of claim 4, wherein
The control unit,
After overlaying a preset reference layer on each page of the insurance policy data, extracting only text of a specific coordinate region by referring to coordinate values on the reference layer,
The reference layer,
An insurance guarantee information providing apparatus comprising a scaled image for every unit coordinate interval in order to identify coordinate values of a horizontal axis and a coordinate of a vertical axis on the page, and portions other than the scale include an image in which transparency is set above a predetermined reference value. The method of claim 7, wherein
The control unit,
Insurance coverage information providing device which sets in advance extraction region information for extracting said text for each page of said insurance policy data and continuously updates it according to a change of said insurance policy data. The method of claim 4, wherein
The control unit,
Insurance coverage information providing device for notifying the error of the extraction area information corresponding to the insurance policy data when the abnormal data is detected as a result of extracting the text from the insurance policy data. The method of claim 4, wherein
The control unit,
The insurance guarantee information providing apparatus analyzing the insurance policy data and generating the policy data based on the converted condition data, and stores the generated policy data. The method of claim 10,
The control unit,
Insurance guarantee information providing apparatus for standardizing and storing synonyms or similar words in a predetermined vocabulary when generating the terms and conditions reference data. In the insurance coverage information providing method performed by the insurance coverage information providing apparatus,
Receiving a request for providing insurance coverage information;
Collecting insurance information of the user;
Identifying the insurance subscribed to by the user based on the collected insurance information;
Retrieving a coverage item corresponding to the treatment item input by the user from the terms of the identified insurance; And
A method of providing insurance coverage information, comprising the step of extracting coverage information related to the coverage from the terms of the identified insurance and providing it to the user. The method of claim 12,
Providing the guarantee information to the user,
And providing the insurance information to the user, the insurance information including at least one of information on whether the insurance is insured and information on the amount of the insurance. The method of claim 12,
Collecting insurance subscription information of the user,
And insurance insurance information of the user is scraped from an insurance company server and stored in association with a user account. The method of claim 12,
Searching for the coverage in the terms of the identified insurance,
And analyzing the insurance policy data of the insurance and extracting information on the guaranteed items and the insurance conditions covered by the insurance product. The method of claim 15,
The extracting step,
And parsing and extracting all texts included in the insurance policy data and analyzing context to extract information about the insurance item and the insurance condition. The method of claim 15,
The extracting step,
And extracting only text of a predetermined area from the insurance policy data to extract information about the insurance item and the insurance condition. The method of claim 15,
The extracting step,
And overlaying a preset reference layer on each page of the insurance policy data and extracting only text of a specific coordinate region by referring to coordinate values on the reference layer,
The reference layer,
A method of providing insurance insurance information, wherein a scale is displayed for every unit coordinate interval in order to check the coordinate value of the horizontal axis and the coordinate value of the vertical axis on the page. The method of claim 18,
Extracting only the text of the specific coordinate area,
Pre-setting extraction area information for extracting the text for each page of the insurance policy data, and continuously updating the insurance policy data according to the change of the insurance policy data. The method of claim 15,
If the abnormality data is detected as a result of extracting the text from the insurance policy data, insurance insurance information providing method further comprising the step of notifying the error of the extraction area information corresponding to the insurance policy data. The method of claim 15,
And analyzing the insurance policy data to generate the policy data based on the structured data, and storing the generated policy data. The method of claim 21,
The storing of the terms and conditions reference data,
Standardizing and storing synonyms or similar words in a predetermined vocabulary when generating the terms and conditions reference data. A computer-readable recording medium having recorded thereon a program for performing the method of claim 12. A computer program executed by an insurance coverage information providing apparatus and stored in a medium for performing the method according to claim 12.

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