KR20220068024A - System for providing insurance information using artificial intelligence and personal health records and method thereof - Google Patents

Abstract

Disclosed are a system for providing insurance information by using artificial intelligence and personal health records and a method thereof. The present invention identifies claimable insurance information according to the use of hospitals and clinics by individuals based on personal health records including electronic health records of medical institutions and health records collected by individuals and on insurance product information related to the individuals, provides the identified information to the individuals, and automatically claims the insurance money in connection with an insurance company server according to the identification of the individuals, thereby improving the convenience of users in accordance with insurance claims, increasing the operational efficiency of the entire processing system related to the insurance claims, provides financial benefits to the users of a health record platform provided by a server, and provide expansion and reproduction of a personal health record business using terminals. The system comprises: a user terminal; a medical institution server; and a server for storing individual health records and transmitting the same to the user terminal.

Description

System for providing insurance information using artificial intelligence and personal health records and method thereof

The present invention relates to a system and method for providing insurance information using artificial intelligence and personal health records, and in particular, based on personal health records including electronic health records of medical institutions and health records collected by individuals and insurance product information related to individuals The insurance information providing system and method using artificial intelligence and personal health record that checks the insurance information that can be claimed according to the individual's use of the hospital and provides it to the individual, and automatically claims the insurance money by linking with the insurance company server according to the individual's confirmation. it's about

Since the management of personal medical information is centered on medical institutions, not individuals, there is an active movement to manage personal medical information as an individual. Interest and research on the Personal Health Records (PHR) system, which is managed as a subject, is being actively carried out.

However, there are difficulties in developing a sharing system for personal health records due to problems with standardization of medical data, concerns about leakage of personal information or misuse of medical information, and opposition from medical institutions that currently manage medical information.

Medical data standardization, which has been a problem in the past, has been solved to some extent by the introduction of EHR (Electronic Health Records) for network sharing of EMR (Electronic Medical Records) used inside medical institutions and the spread of the PHR system, which has grown worldwide interest. However, there are still difficulties in developing a PHR sharing system due to information leakage, misuse of medical information, and non-cooperation with medical institutions currently managing medical information.

In addition, personal health records provided to individuals are simply provided to individuals, and discussion about their use is required.

Korean Patent Laid-Open Patent No. 10-2018-0106243 [Title: Personal Medical Information Data Management Method and System]

It is an object of the present invention to identify and provide claimable insurance information to individuals based on personal health records including electronic health records of medical institutions and health records collected by individuals and insurance product information related to individuals, , to provide an insurance information providing system and method using artificial intelligence and personal health records that automatically claim insurance money in conjunction with an insurance company server according to an individual's confirmation.

Another object of the present invention is to provide an insurance information providing system and method using artificial intelligence and personal health record that encrypts and manages personal health records provided to a terminal owned by an individual based on a quantum random number generator and a quantum key distributor. have.

An insurance information providing system using artificial intelligence and personal health record according to an embodiment of the present invention includes: a user terminal for transmitting health information and sharing level information related to an individual of the user terminal; Medical institution server for transmitting personal-related medical information and sharing level information; and mapping the health information and sharing level information transmitted from the user terminal with the identification information of the user terminal, storing it as a personal personal health record (PHR), and storing medical information and sharing level information transmitted from one or more medical institution servers as medical information and a server for storing the personal health record of an individual as a target of the user terminal, and transmitting the updated personal health record relating to the individual of the user terminal to the user terminal when the personal health record related to the individual of the user terminal is updated and, the user terminal may receive the personal health record transmitted from the server, and encrypt and store the received personal health record.

As an example related to the present invention, an insurance company server that provides personal insurance product information and public interest insurance product information related to the user terminal according to a request from the server to the server, wherein the server is configured to receive the information from the medical institution server When receiving medical information related to an individual, the personal information of the user terminal is linked with one or more insurance company servers based on the personal information entered when signing up for the server to check the insurance product information subscribed by the individual, and Based on the information, the public interest insurance product information related to the individual is checked among one or more public interest insurance product information registered in the server in advance, and the personal health record of the individual according to machine learning and insurance product information related to the identified individual through the analysis, at least one insurance product information that can be claimed for the medical information among the one or more insurance product information related to the identified individual is checked, and the individual's personal health record and the confirmation according to machine learning Through the analysis of the public interest insurance product information related to the identified individual, at least one public interest insurance product information that can be claimed for the medical information case among the one or more public interest insurance product information related to the identified individual is confirmed, and the confirmation transmits to the user terminal at least one of the at least one insurance product information and the confirmed at least one public interest insurance product information, wherein the user terminal includes the at least one insurance product information transmitted from the server and the at least one Display at least one of the public interest insurance product information of can be performed.

As an example related to the present invention, the insurance claim request information includes information on at least one of personal information collection and use consent information, at least one insurance product information to claim insurance money, and at least one public interest insurance product information, and insurance money Claim application information may be included.

As an example related to the present invention, the insurance company server pays insurance based on at least one of an insurance claim, power of attorney, medical expense receipt, medical certificate, and detailed calculation statement for medical expenses transmitted from the server according to the performance of the individual-related insurance claim function. When an insurance payment is determined as a result of the insurance payment review process, the insurance amount is calculated according to the insurance payment review, the calculated insurance money is transferred to the bank account related to the user terminal, and the insurance payment information is provided for medical treatment. It can be transmitted to the relevant institution server.

As an example related to the present invention, the medical institution server checks medical information related to the insurance payment case by interworking with the medical institution server corresponding to the accident information included in the insurance payment information based on the insurance payment information, The user terminal and the server verify whether or not an insurance claim is over-claimed based on the insurance payment information and medical information related to the insurance payment case and in conjunction with the insurance company server, it is possible to perform a refund processing function for overcharged insurance money.

The insurance information providing method using artificial intelligence and personal health record according to an embodiment of the present invention maps health information and sharing level information transmitted from a user terminal to identification information of a user terminal by a server to map an individual's personal health record ( PHR); storing, by the server, medical information and sharing level information transmitted from one or more medical institution servers as a personal health record of an individual subject to medical information; when the personal health record related to the individual of the user terminal is updated, transmitting, by the server, the updated personal health record related to the individual of the user terminal to the user terminal; receiving, by the user terminal, the personal health record transmitted from the server; and encrypting and storing the received personal health record by the user terminal.

As an example related to the present invention, the step of encrypting and storing the received personal health record may include: generating, by a quantum random number generator installed in the user terminal, a random random number in which pattern analysis is impossible; generating an encryption key that cannot be eavesdropped on the basis of the generated random number by a quantum key distributor installed in the user terminal; and encrypting and storing the personal health record based on the generated encryption key.

As an example related to the present invention, when receiving medical information related to the individual from the server of the medical institution, by the server, one or more insurance company servers and checking the insurance product information subscribed by the individual by interworking; checking, by the server, information on public interest insurance products related to the individual from among one or more public interest insurance product information previously registered in the server on the basis of the personal information; By the server, through the analysis of the personal health record of the individual and the insurance product information related to the identified individual according to machine learning, the insurance money for the medical information case among one or more insurance product information related to the identified individual checking at least one insurance product information that can be claimed; By the server, through the analysis of the personal health record of the individual and the public interest insurance product information related to the identified individual according to machine learning, the medical information case from one or more public interest insurance product information related to the identified individual checking at least one public interest insurance product information for which insurance claims can be made; transmitting, by the server, at least one of the identified at least one insurance product information and the identified at least one public interest insurance product information to the user terminal; displaying, by the user terminal, at least one of the at least one insurance product information and the at least one public interest insurance product information transmitted from the server; transmitting, by the user terminal, insurance claim request information and identification information of the user terminal to the server for an insurance claim; and performing, by the server, an insurance claim function by interworking with the user terminal, the medical institution server, and the insurance company server.

As an example related to the present invention, the step of performing the insurance claim function may include, by the server, interlocking with the user terminal, creating an insurance claim in the form of an electronic document necessary for claiming insurance based on the insurance claim request information process; requesting, by the server, at least one of a medical expense receipt, a medical certificate, and a detailed calculation statement of medical expenses necessary for an insurance claim, to the medical institution server based on the insurance claim request information; receiving, by the server, at least one of a medical expense receipt, a diagnosis, and a detailed calculation statement for medical expenses transmitted from the medical institution server in response to the request; transmitting, by the server, at least one of the created insurance claim, power of attorney, and the received medical expense receipt, diagnosis, and detailed calculation statement of medical expenses to the insurance company server to perform an insurance claim function; generating, by the server, an insurance claim function progress result according to the execution of the insurance money claim function, and transmitting the generated insurance money claim function progress result to the user terminal; and displaying, by the user terminal, an insurance claim function progress result transmitted from the server.

As an example related to the present invention, insurance money based on at least one of an insurance claim, power of attorney, medical expense receipt, medical certificate, and detailed calculation statement for medical expenses transmitted from the server according to the performance of the individual-related insurance claim function by the insurance company server conducting a payment review process; calculating, by the insurance company server, an insurance amount according to the insurance payment review when the insurance payment is determined as a result of performing the insurance payment review process; depositing, by the insurance company server, the calculated insurance money into a bank account related to the user terminal; transmitting, by the insurance company server, insurance payment information to a medical-related institution server; checking, by the medical institution server, medical information related to an insurance payment case by interworking with a medical institution server corresponding to the accident information included in the insurance payment information based on the insurance payment information; verifying, by the server of the medical institution, whether or not the insurance claim is overcharged based on the insurance payment information and medical information related to the insurance payment case; and, as a result of verification, when it is verified that the insurance money is overcharged for the insurance payment case, the medical institution server interworks with the user terminal, the server, and the insurance company server to refund the overcharged insurance money It may further include the step of performing a processing function.

The present invention identifies and provides to individuals claimable insurance information according to the individual's use of hospitals and clinics on the basis of personal health records including electronic health records of medical institutions and health records collected by individuals and insurance product information related to individuals; By automatically claiming insurance money in conjunction with the insurance company server according to the confirmation of the It has the effect of providing human benefits and providing the expansion and reproduction of the personal health record business using the terminal.

In addition, the present invention has the effect of strengthening the protection of personal information by encrypting and managing the personal health record provided to the terminal possessed by the individual based on the quantum random number generator and the quantum key distributor.

1 is a block diagram showing the configuration of an insurance information providing system using artificial intelligence and personal health record according to an embodiment of the present invention.
2 is a conceptual diagram for explaining the concept of setting a PHR sharing level according to an embodiment of the present invention.
3 to 4 are flowcharts illustrating a method of providing insurance information using artificial intelligence and personal health records according to an embodiment of the present invention.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be interpreted as meanings generally understood by those of ordinary skill in the art to which the present invention belongs, unless otherwise specifically defined in the present invention, and excessively comprehensive It should not be construed in the meaning of a human being or in an excessively reduced meaning. In addition, when the technical term used in the present invention is an incorrect technical term that does not accurately express the spirit of the present invention, it should be understood by being replaced with a technical term that can be correctly understood by those skilled in the art. In addition, the general terms used in the present invention should be interpreted according to the definition in the dictionary or according to the context before and after, and should not be interpreted in an excessively reduced meaning.

Also, the singular expression used in the present invention includes the plural expression unless the context clearly dictates otherwise. In the present invention, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various components or various steps described in the invention, and some components or some steps may not be included. It should be construed that it may further include additional components or steps.

Also, terms including ordinal numbers such as first, second, etc. used in the present invention may be used to describe the elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are assigned the same reference numerals regardless of reference numerals, and redundant description thereof will be omitted.

In addition, in the description of the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, it should be noted that the accompanying drawings are only for easy understanding of the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

1 is a block diagram showing the configuration of an insurance information providing system 10 using artificial intelligence and personal health record according to an embodiment of the present invention.

As shown in FIG. 1 , the insurance information providing system 10 using artificial intelligence and personal health record includes a user terminal 100 , a medical institution server 200 , a server 300 , a medical institution server 400 , and a medical service provider. It consists of an information use terminal 500 and an insurance company server 600 . Not all of the components of the insurance information providing system 10 shown in FIG. 1 are essential components, and the insurance information providing system 10 may be implemented by more components than the components shown in FIG. The insurance information providing system 10 may be implemented with fewer components.

The user terminal 100 and the medical information use terminal 500 are a smart phone, a portable terminal, a mobile terminal, a foldable terminal, and a personal information terminal. Digital Assistant: PDA, PMP (Portable Multimedia Player) Terminal, Telematics Terminal, Navigation Terminal, Personal Computer, Notebook Computer, Slate PC, Tablet PC, Ultrabook, wearable device (including, for example, watch-type terminal (Smartwatch), glass-type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro (Wibro) terminal, IPTV (Internet Protocol Television) terminals, smart TVs, digital broadcast terminals, AVN (Audio Video Navigation) terminals, A/V (Audio/Video) systems, flexible terminals, digital signage devices, and the like can be applied to various terminals.

The medical institution server 200 , the server 300 , the medical institution server 400 , and the insurance company server 600 may be implemented in the form of a web server, a database server, a proxy server, or the like. In addition, the medical institution server 200 , the server 300 , the medical institution server 400 , and the insurance company server 600 include a network load balancing mechanism, or the medical institution server 200 , the corresponding server 300 , One or more of various software that enables the corresponding medical institution server 400 and the corresponding insurance company server 600 to operate on the Internet or other networks may be installed, and may be implemented as a computerized system through this. Also, the network may be an http network, and may be a private line, an intranet, or any other network. Furthermore, the connection between the user terminal 100 , the medical institution server 200 , the server 300 , the medical-related institution server 400 , the medical information use terminal 500 and the insurance company server 600 is that data is It can be connected to a secure network so that it is not attacked by a third party. In addition, the medical institution server 200 , the server 300 , the medical institution server 400 , and the insurance company server 600 may include a plurality of database servers, and these database servers implement a distributed database server architecture. It may be implemented in such a way that it is separately connected to the medical institution server 200 , the server 300 , the medical-related institution server 400 , and the insurance company server 600 through any type of network connection including.

Each of the user terminal 100 , the medical institution server 200 , the server 300 , the medical-related institution server 400 , the medical information use terminal 500 , and the insurance company server 600 communicates with other terminals A communication unit (not shown) for performing a communication function of a storage unit (not shown) for storing various information and programs (or applications), a display unit (not shown) for displaying various information and program execution results, the various It may include a voice output unit (not shown) for outputting information and voice information corresponding to a result of executing the program, and a controller (not shown) for controlling various components and functions of each terminal.

The user terminal 100 communicates with the medical institution server 200 , the server 300 , the medical institution server 400 , the medical information use terminal 500 , the insurance company server 600 , and the like.

In addition, the user terminal 100, by interworking with the server 300, health information registration function, personal health record storage function, insurance claim function through a dedicated app and/or website provided by the server 300 , and registers as a user to receive a current status check function, etc., and registers personal information and the like in the server 300 . In this case, the personal information includes ID, e-mail address, password (or password), name, gender, date of birth, contact information (or phone number), address (or address information), part of resident registration number, and the like.

In addition, the user terminal 100 may sign up as a user to the server 300 using SNS account information or mobile messenger account information registered by the user of the user terminal 100 . Here, the SNS account may be information related to Facebook, Twitter, Kakao, Naver, Instagram, Google, and the like. In addition, the mobile messenger account is information related to KakaoTalk, line, viber, wechat, whatsapp, Telegram, snapchat, etc. can

In addition, when performing the membership registration procedure, the user terminal 100 must complete the authentication function through a self-authentication means (eg, mobile phone, credit card, i-Pin, etc.) to complete the membership registration procedure for the server 300 can be completed normally.

In addition, after membership registration is completed, the user terminal 100 receives a dedicated app (or application/application program/specific app) provided from the server 300 in order to use the service provided by the server 300 . It is installed in the corresponding user terminal 100 . In this case, the dedicated app may be an app for performing a health information registration function, a personal health record storage function, an insurance claim function, a status check function, and the like.

In addition, the user terminal 100 collects health information in relation to the customer (or user) of the user terminal 100 . Here, the health information (or health record) is measured information collected in relation to an individual (or user) of the user terminal 100 using a scale, body fat meter, blood sugar meter, blood pressure meter, pulse meter, etc. weight, body fat, blood sugar, It includes health-related information such as blood pressure, pulse, and the like, information on food, information on eating, which is information related to food consumed by a corresponding individual according to a user input, and information on exercise.

In addition, the user terminal 100 receives sharing level information including information on ownership and sharing information on the corresponding health information according to a customer input (or customer/user selection/touch/control). Here, the sharing level information (or sharing level information on use policy/health information) includes sharing information on the health information, information on ownership of the health information, etc. Includes information about subjects, etc.

In addition, the user terminal 100 transmits the collected health information, the received sharing level information, identification information of the user terminal 100, and the like to the server 300 . Here, the identification information of the user terminal 100 includes a mobile directory number (MDN), mobile IP, mobile MAC, subscriber identity module (Sim) card unique information, serial number, and the like.

In addition, when the personal health record related to the individual of the user terminal 100 is updated in the server 300 , the user terminal 100 is transmitted from the server 300 to the individual of the user terminal 100 and Receive relevant personal health records. Here, the user terminal 100 performs the identity authentication process through the server 300 only when the customer of the user terminal 100 and the individual corresponding to the personal health record match each other, the server A personal health record related to an individual of the corresponding user terminal 100 transmitted from the 300 may be received.

In addition, the user terminal 100 stores the received personal health record in the user terminal 100 . At this time, when the personal health record is stored in the user terminal 100, the user terminal 100 is based on a quantum random number generator (not shown) and a quantum key distributor (not shown) installed in the user terminal 100. Encrypt and store (or manage) health records. Here, the quantum random number generator (QRNG) generates a random random number that cannot be analyzed for a pattern. In addition, the quantum key distributor (Quantum Key Distributor: QKD) generates an encryption key that cannot be eavesdropped on the basis of the random number generated by the quantum random number generator. In addition, the user terminal 100 encrypts and stores the personal health record based on the encryption key generated by the quantum key distributor.

In addition, after the customer of the user terminal 100 visits a medical institution due to disease, injury, traffic accident, etc., the medical institution server 200 corresponding to the medical institution transmits the customer's medical information to the server 300 . In the case where insurance product information and/or public interest insurance product information that can claim insurance money related to the customer is checked, the user terminal 100 transmits at least one insurance product information transmitted from the server 300, Receive insurance product information, etc. Here, the insurance product information includes life insurance subscription information, non-life insurance subscription information, etc., insurance company information, insurance type, contract number, expiration information, insurance solicitor information, terms and conditions information, main coverage details, contract status (eg, For example, retention, expiration, expiration, etc.) and subscriber information (including, for example, contractor, insured, beneficiary, legal heir, etc.), etc. In addition, the above public interest insurance product information is an insurance (or insurance product) automatically purchased by a local government corresponding to the region in consideration of the region in which the specific individual actually resides (or on the copy of resident registration) and the age of the specific individual. ) may be related to

In addition, the user terminal 100 displays (or outputs) the received at least one insurance product information, at least one public interest insurance product information, and the like.

In addition, when the customer of the corresponding user terminal 100 who has confirmed the at least one insurance product information and the at least one public interest insurance product information wants to claim an insurance money, the user terminal 100 provides the insurance claim request information, the user The identification information of the terminal 100 and the like are transmitted to the server 300 . Here, the insurance claim request information includes personal information collection and use consent information, at least one insurance product information and/or at least one public interest insurance product information, and insurance claim application information.

In addition, the user terminal 100 performs an insurance claim function by interworking with the server 300 , the medical institution server 200 , and the insurance company server 600 .

That is, the user terminal 100 interworks with the server 300 to claim insurance money through the server 300. Based on the received insurance claim request information, the user terminal 100 forms an electronic document required for claiming insurance money. Fill out (or create) an insurance claim form.

In addition, when the user terminal 100 fails to perform the insurance claim function performed in conjunction with the server 300 , the medical institution server 200 , the insurance company server 600 , etc., the user terminal 100 transmits the previous In response to the received insurance claim request information and the like, information indicating that the execution of the insurance claim function has failed, transmitted from the server 300 is received.

Also, the user terminal 100 displays (or outputs) information indicating that the received insurance claim function has failed.

In this way, when the insurance claim function fails to perform, the user terminal 100 checks the failure contents included in the information indicating that the insurance claim function has failed, and supplements the checked failure contents, so that the server 300 ), etc., can perform the insurance claim function again.

In addition, when the user terminal 100 succeeds in performing the insurance claim function performed in conjunction with the server 300 , the medical institution server 200 , the insurance company server 600 , etc., the user terminal 100 transmits the previous Receives an insurance claim function progress result transmitted from the server 300 in response to the received insurance claim request information.

In addition, the user terminal 100 displays (or outputs) the result of the received insurance claim function progress. Here, the result of the insurance claim function process is the insurance claim, claim date, recipient information, progress information (e.g., insurance claim, accident receipt confirmation, document review, on-site review, review and approval, completion of processing-insurance payment, etc.), etc. includes

In addition, when the user terminal 100 succeeds in performing the insurance claim function performed in conjunction with the server 300 , the medical institution server 200 , the insurance company server 600 , etc., the user terminal 100 is the insurance company The insurance money is received from the server 600 to the bank account (or the insurance money receiving account information) related to the corresponding user terminal 100 .

In addition, the user terminal 100 receives insurance payment information transmitted from the insurance company server 600 . Here, the insurance payment information includes accident information, insurance company information, claim date, recipient information, medical expenses receipt, medical certificate, detailed medical expenses calculation statement, insurance money information, insurance payment status information, and the like.

In addition, the user terminal 100 displays (or outputs) the received insurance money payment information.

In addition, when insurance payment is failed (or rejected) as a result of performing the insurance payment examination process in the insurance company server 600, the user terminal 100 responds to the previously transmitted insurance claim request information, etc., to the insurance company server 600 ), information indicating that the examination of the insurance claim applied by the corresponding user terminal 100 has failed (or rejected) is received.

In addition, the user terminal 100 displays (or outputs) information indicating that the received examination of the insurance claim filed by the corresponding user terminal 100 has failed (or rejected).

In addition, as a result of verification by the medical institution server 400 for the insurance money paid from the insurance company server 600 to the user terminal 100, when it is verified that the insurance money is overcharged for the insurance money payment case , the user terminal 100 performs a refund processing function for the overcharged insurance in conjunction with the server 300 , the insurance company server 500 , the medical-related institution server 400 , and the like.

In addition, the user terminal 100 periodically or irregularly provides information on public welfare social insurance provided from the server 300 according to the user's location information (or real residence information on the resident registration copy) of the user terminal 100 . may be provided as

In addition, the user terminal 100 provides a chronic disease management function by a specialist by interworking with the medical institution server 200 and the server 300 based on health information related to the user of the user terminal 100 . you may receive

In addition, when the customer of the user terminal 100 downloads and stores personal health records (PHR) provided from the server 300 through the new user terminal 100, the user terminal 100 may forcibly delete personal health records related to the customer previously stored in the user terminal 100 under the control of the server 300 to protect personal information.

For example, with respect to the first user terminal 100 possessed by Gil-dong Hong, after the corresponding Hong Gil-dong purchases a new second user terminal 100 according to the loss (or terminal change) of the first user terminal, the second When the health record information related to the Hong Gil-dong provided from the server 300 through the user terminal is stored in the second user terminal, the first user terminal turns on the power of the first user terminal. In the maintained state, the health record information deletion request information related to Hong Gil-dong transmitted from the server 300 is received, and the corresponding information being stored in the first user terminal based on the received health record information deletion request information related to Hong Gil-dong is received. The health record information related to Hong Gil-dong will be deleted.

In addition, the user terminal 100 may be configured to store only the personal health record related to the customer of the user terminal 100 authenticated by the server 300 in the user terminal 100 .

That is, the user terminal 100 may be configured to store only personal health records related to the customer of the corresponding user terminal 100 authenticated by the server 300, and not to store personal health records related to other users. .

Accordingly, the user terminal 100 can store only one personal health record related to the customer of the user terminal 100 , and when it is desired to store a plurality of personal health records, it is necessary to perform an authentication process with the server 300 . Accordingly, the personal health record unrelated to the customer of the user terminal 100 may be discarded, and only the personal health record related to the customer of the user terminal 100 may be stored.

In the embodiment of the present invention, it is described that the user terminal 100 performs a health information registration function, a personal health record storage function, an insurance claim function, a status check function, etc. in the form of a dedicated app, but is not limited thereto, In addition to the dedicated app, the health information registration function, the personal health record storage function, the insurance claim function, the status check function, etc. may be performed through a website provided by the server 300 .

The medical institution server 200 communicates with the user terminal 100 , the server 300 , the medical institution server 400 , the medical information use terminal 500 , the insurance company server 600 , and the like.

In addition, the medical institution server 200 may be a server related to a medical institution, such as a hospital, a clinic, a midwife. In this case, the medical institution server 200 may be a server related to a health examination center, a clinical examination institution, and the like.

In addition, the medical institution server 200 manages (or stores/collects) medical information in relation to the customer (or user) of the user terminal 100 . Here, the medical information includes electronic medical record (EMR) information, electronic health record (EHR) information, etc., and patient personal information (eg, simple personal information, existing medical history, etc.) , the patient's simple examination information (including, for example, the contents of the questionnaire, measurements according to the simple examination, medical images, etc.), opinions including medical professional expertise (including, for example, diagnosis), detailed medical records (eg, prescriptions) , including medical data for treatment, surgery, hospitalization, etc.)

In addition, the medical institution server 200 receives sharing level information including sharing information and ownership information for the corresponding medical information according to a manager input (or manager/medical person selection/touch/control). Here, the sharing level information (or sharing level information on use policy/health information) includes sharing information on the medical information, information on ownership of the medical information, etc. Includes information about subjects, etc.

In addition, the medical institution server 200 transmits medical information about an identifiable individual under management, sharing level information, identification information of the medical institution server 200 , and the like to the server 300 . Here, the identification information of the medical institution server 200 includes a unique code (or unique identification information) of the corresponding medical institution.

In addition, the medical institution server 200 interworks with the user terminal 100 , the server 300 , and the insurance company server 600 to perform an insurance claim function in response to an insurance claim request from the user terminal 100 . do.

That is, the medical institution server 200 transmits from the server 300 to the individual of the user terminal 100. Request information such as a medical expense receipt, a medical certificate, and a detailed calculation statement of medical expenses in the form of an electronic document required for an insurance claim receive

In addition, the medical institution server 200 is, according to the request information, from among the individual medical expenses receipt, diagnosis, and detailed calculation statement of medical expenses stored in the corresponding medical institution server 200 according to the request information, medical expenses receipt related to the individual of the user terminal 100, a medical certificate, Check the detailed calculation statement of medical expenses, etc.

In addition, the medical institution server 200 transmits the confirmed medical expenses receipt, diagnosis, detailed calculation statement of medical expenses, and the like to the server 300 .

The server (or PHR platform system) 300 includes the user terminal 100 , the medical institution server 200 , the medical-related institution server 400 , the medical information use terminal 500 , and the insurance company server 600 . communicate with, etc.

In addition, the server 300 performs a membership registration procedure for users of the user terminal 100 , the medical information use terminal 500 , and the like.

In addition, the server 300 registers personal information related to users of the user terminal 100 , the medical information use terminal 500 , and the like. In this case, the server 300 may register (or manage) the corresponding personal information in a DB server (not shown).

In addition, the server 300 performs a member management function for users such as the user terminal 100 and the medical information use terminal 500 .

In addition, the server 300 provides a dedicated app and/or website providing a health information registration function, a personal health record storage function, an insurance claim function, a status check function, a personal health record use/share function, etc. to the user terminal ( 100), provided to the medical information use terminal 500 and the like.

In addition, the server 300 provides a bulletin board function for announcements, events, and the like.

In addition, the server 300 receives health information, sharing level information, and identification information of the user terminal 100 transmitted from the user terminal 100 . Here, the health information (or health record) is measured information collected in relation to an individual (or user) of the user terminal 100 using a scale, body fat meter, blood sugar meter, blood pressure meter, pulse meter, etc. weight, body fat, blood sugar, It includes health-related information such as blood pressure, pulse, and the like, information on food, information on eating, which is information related to food consumed by a corresponding individual according to a user input, and information on exercise. In addition, the sharing level information (or sharing level information on use policy/health information) includes sharing information on the health information, information on ownership of the health information, etc. Includes information about subjects, etc. In addition, the identification information of the user terminal 100 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card unique information, serial number, and the like.

In addition, the server 300 maps the received health information, sharing level information, etc. with identification information of the corresponding user terminal 100 (or account information corresponding to the identification information of the corresponding user terminal 100) (or By matching/interlocking), it is accumulated and stored as an individual's personal health record (PHR). At this time, the server 300 may store the corresponding health information, sharing level information, identification information of the corresponding user terminal 100, etc. as a personal health record in a block chain manner. Here, the server 300 may store information specified through sharing level information or a health information use policy set based on the information as a smart contract in the block chain.

Health information provided by the user through the user terminal 10 may be shared by the user and may be owned. The user's basic health information may include opinions of medical personnel or experts (nutritionists, exercise experts, etc.) based on such personal health information. In this case, the ownership of the information may be divided between the user and the relevant medical practitioner or specialist. Although the health information provided by these users has low professionalism and precision compared to medical information, it may be needed by various users of medical information in that it is personalized, massive and continuous daily information, and medical institutions 30 utilize the information Therefore, it can be used to check health policies or the state of national health.

On the other hand, the personal user terminal 10, which is the owner of personal identification information, which is the standard for integrating PHR information, has access rights and sharing rights to PHR information below a certain sharing level or PHR information provided by itself, but the medical institution server 20 ) of the information provided at a high level of sharing (things that require cost or permission to use) can be confirmed or shared only after paying the cost or requesting confirmation or sharing permission from the relevant institution.

In this way, the server 300 provides the personal user terminal 100 with the selected PHR according to the sharing level of the request and the target PHR information to the individual user terminal 10 request, which is the PHR information integration standard, or It is transmitted to a specified target, and when the sharing level is high, the PHR information can be provided to the user terminal 10 or transmitted to the specified target only when the health information policy set for the sharing level is satisfied.

In addition, the server 300 receives medical information about an identifiable individual transmitted from one or more medical institution servers 200 , sharing level information, identification information of the medical institution server 200 , and the like. Here, the medical information includes electronic medical record (EMR) information, electronic health record (EHR) information, etc., and patient personal information (eg, simple personal information, existing medical history, etc.) , the patient's simple examination information (including, for example, the contents of the questionnaire, measurements according to the simple examination, medical images, etc.), opinions including medical professional expertise (including, for example, diagnosis), detailed medical records (eg, prescriptions) , including medical data according to treatment, surgery, hospitalization, etc.), and the owner may be different or duplicated depending on each generation factor. In addition, the sharing level information (or sharing level information on use policy/medical information) includes sharing information on the medical information, information on ownership of the medical information, etc. Includes information about subjects, etc.

As shown in FIG. 2, the sharing level setting information for the medical information divides the sharing level into 1 to 4 for each of the four pieces of information to be transmitted, and the subject of ownership and use permission for each sharing level, etc. may be specified.

For example, as shown in FIG. 2, the patient personal information is set to sharing level 1, ownership is set to be owned by the patient who requires patient consent, and the simple examination information of the patient is set to sharing level 2, , patient consent is required, the patient and the medical institution establish 8 to 2 ownership, the information containing the medical personnel's expertise is set to sharing level 3, the consent of the medical institution is required, and the patient and the medical institution establish 2 to 8 ownership may be set, the detailed medical record information may be set to sharing level 4, and the ownership may be set to be owned by a medical institution requiring medical institution consent.

This sharing level setting information includes the degree of sharing of ownership and permission. As information about the degree of sharing, the medical information can be shared without restrictions (for example, with the prior permission of the owner), and the For re-sharing of medical information, personal permission is required, for re-sharing of the medical information, permission from the medical institution that created it is required, and for re-sharing of the medical information, permission from both the target individual and medical institution is required It can be shared with medical institutions, it can be shared according to other standards without sharing even with medical institutions, and it can be shared under limited conditions (eg, deletion of personal information, deletion of some information, etc.) Promises can set different types of sharing methods or restrictions, such as to allow. Of course, in addition to these sharing methods and restrictions, information on the number of times of use, disposal period, cost, etc. may be included in the sharing degree information. As a specific example, it is free only once for the corresponding personal user terminal 100 to check the corresponding medical information, and a cost is incurred for subsequent confirmation, or when the user terminal 100 transmits it to another destination, the cost is It is also possible to set a condition such as the occurrence of this as the sharing degree information.

In the case of ownership, if the subject individual owns all the titles according to the type of medical information, if the ownership of medical information is divided between the individual and the medical institution due to the participation of the medical institution As such, ownership of the corresponding medical information can be determined, and such ownership can be a criterion for profit distribution when using the corresponding medical information or permitting the use of the medical information use terminal 500 and obtaining a profit.

In addition, the server 300 accumulates and stores the received medical information about the individual, sharing level information, and the like as a personal health record (PHR) of an individual as a target of the corresponding medical information. In this case, the server 300 may store the corresponding medical information, sharing level information, etc. as a personal health record in a block chain manner. Here, the server 300 may store information specified through sharing level information or a health information use policy set based on the information as a smart contract in the block chain.

In this way, the server 300 provides health information provided from the user terminal 100, sharing level information for the health information, and the individual ( Alternatively, medical information related to the user) and sharing level information for the corresponding medical information may be accumulated as a personal health record related to the individual.

That is, the server 300 stores a personal health record (PHR) including the health information provided by the user terminal 100 and/or the medical information provided by the medical institution server 200 in a block chain, and the By setting different usage restrictions according to the sharing level and ownership according to the sharing level as a smart contract, use is automatically determined according to the contract contents, and the usage details are stored in the block chain.

In this way, the server 300 cannot be modified through the block chain, and it is possible to prevent misuse of the information by storing the PHR in a safe manner and storing various details of its use. In addition, the server 300 sets the standards for sharing information on the sharing degree and ownership according to the sharing level and the standards for cost and settlement in a smart contract method, so that the satisfaction of these standards with the contents of the smart contract Through preparation, it is automatically determined and shared, and the history of sharing is also recorded in the block chain, so that the storage of medical information and the execution and sharing of smart contracts can be transparently checked, and charges are charged according to the contents. and settlement can be processed automatically.

In addition, when the personal health record related to the individual of the user terminal 100 is updated, the server 300 records the updated (or up-to-date) personal health record related to the individual of the user terminal 100 to the user. It is transmitted to the terminal 100 .

In addition, when the server 300 receives new medical information related to a specific individual from the medical institution server 200 , the server 300 interworks with one or more insurance company servers 600 to perform machine learning according to artificial intelligence. Personal information (eg, name, part of resident registration number, address information, phone number, etc.) entered (or registered) by an individual of the user terminal 100 when signing up for the server 300 using Inquire (or confirm) the insurance product information related to the specific individual based on the consent to collection and use of personal information (or consent). Here, the insurance product information includes life insurance subscription information, non-life insurance subscription information, etc., insurance company information, insurance type, contract number, expiration information, insurance solicitor information, terms and conditions information, main coverage details, contract status (eg, For example, retention, expiration, expiration, etc.) and subscriber information (including, for example, contractor, insured, beneficiary, legal heir, etc.), etc. In addition, the server 300 interlocks with the user terminal 100 corresponding to the specific individual, and performs a consultation function in the form of an electronic document for personal information collection and use consent information for insurance product information inquiry in advance. state may be

At this time, the server 300 retrieves the public interest insurance product information related to the specific individual from among one or more public interest insurance product information previously registered in the server 300 based on the personal information and the personal information collection and use consent information. You can also check Here, the insurance product information for the public interest refers to the insurance (or insurance product) automatically purchased by the local government corresponding to the region in consideration of the region in which the specific individual actually resides (or on a copy of resident registration) and the age of the specific individual. ) may be related to

In an embodiment of the present invention, when the server 300 receives medical information related to the specific individual, the server 300 interworks with the insurance company server 600 to check insurance product information related to the specific individual. However, it is not limited thereto, and the server 300 works in conjunction with the one or more insurance company servers 600 by consultation (or contract) with the user terminal 100 related to the specific individual in advance. , after inquiring (or confirming) the insurance product information related to the specific individual of the user terminal 100, and storing the insurance product information related to the specific individual in the corresponding server 300, from the medical institution server 200 When medical information related to a specific individual is newly received, insurance product information related to the specific individual stored in advance in the server 300 may be checked.

In addition, the server 300 uses machine learning based on artificial intelligence to use the specific individual's personal health record and insurance product information related to the identified specific individual for the use of a specific individual's hospital, clinic, midwife, etc. At least one claimable insurance product information is checked. Here, the hospital includes general hospitals, dental hospitals, oriental medicine hospitals, nursing hospitals, general hospitals, and the like, and the clinics include general clinics, dental clinics, oriental medicine clinics.

That is, the server 300 analyzes the personal health record of the specific individual according to machine learning and the insurance product information (or insurance contract details included in the insurance product information) related to the identified specific individual, Among the one or more insurance product information related to the specified individual, at least one insurance product information (or one or more insurance payment items payable to the customer) that can be claimed for insurance for the relevant personal health record (or the medical information) is checked.

In addition, the server 300 analyzes the personal health record of the specific individual according to machine learning and one or more public interest insurance product information (or insurance contract details included in the public interest insurance product information) related to the identified specific individual. At least one information on public interest insurance products that can claim insurance for the relevant personal health record (or the medical information) among one or more information on public interest insurance products related to the identified specific individual (or one or more insurance money items payable to customers) ) is checked.

In addition, the server 300 transmits the confirmed at least one insurance product information, the confirmed at least one public interest insurance product information, and the like to the user terminal 100 of a specific individual.

Here, the server 300 can store the raw data including the personal health record of the specific individual, one or more insurance product information, and one or more public interest insurance product information in parallel and distributed, and is included in the stored raw data. It is possible to refine unstructured data, structured data, and semi-structured data, and perform preprocessing including classification as meta data.

In addition, after performing data mining (DataMining) on the preprocessed data, the server 300 divides it into a training dataset (DataSet) and a test dataset, and can learn with at least one type of artificial intelligence algorithm, , it is possible to build big data learned with at least one kind of artificial intelligence algorithm.

Here, the data mining discovers the inherent relationship between the preprocessed data and learns a training data set with a known class to predict a class of new data or clustering that groups data based on similarity without class information (Clustering) may include performing. Of course, various other mining methods may exist, and mining may be performed differently depending on the type of big data to be collected and stored or the type of query to be requested later. The big data constructed in this way can be verified through artificial neural network deep learning or machine learning. Here, artificial neural network deep learning may be useful when analyzing vector data such as motion data. In this case, the at least one artificial intelligence algorithm may include machine learning (machine learning), and the machine learning is supervised learning, semi-supervised learning, and unsupervised learning. Learning), and reinforcement learning (Reinforcement Learning) may include any one or a combination of at least one.

In this case, the artificial neural network may use a CNN (Convolutional Neural Network) structure. CNN is a network structure using a convolutional layer and is suitable for image processing, and classifies images based on features in the image by inputting image data. because you can In addition, text mining is a technology for the purpose of extracting and processing useful information from non/semi-structured text data based on natural language processing technology. Through text mining technology, it is possible to extract meaningful information from a large collection of texts, to understand the linkage with other information, to find the category of text, or to obtain results beyond simple information search. Using this, in the motion identification service according to an embodiment of the present invention, large-capacity language resources and statistical and regular algorithms can be used to analyze an identifier or natural language input as a query, and to discover information hidden therein. In addition, cluster analysis can be used to finally discover groups of similar characteristics while merging objects with similar characteristics.

Also, the server 300 receives insurance claim request information and identification information of the user terminal 100 transmitted from the user terminal 100 .

In addition, the server 300 performs an insurance claim function by interworking with the user terminal 100 , the medical institution server 200 , and the insurance company server 600 .

That is, the server 300 prepares (or generates) an insurance claim in the form of an electronic document necessary for claiming insurance based on the received insurance claim request information. In this case, the server 300 may work with the user terminal 100 to create an insurance claim in the form of an electronic document required for the insurance claim. Here, for the electronic contract, the insurance claim form includes personal information (for example, the name of the insured person, resident registration number, etc.) according to the user input of the user terminal 100, the date of occurrence of the event (or the date/time of occurrence of the accident), Location of incident (or place of accident), classification of receipt (including, for example, new, added, etc.), information on the type of accident (including, for example, illness, injury, traffic accident, property, compensation, etc.), information on the type of treatment (eg, hospitalization) , hospitalization, etc.), claim collateral information (including actual medical expenses, daily hospitalization, diagnosis, surgery, disability, death, etc.), treatment details (or accident details), hospital name and department, vehicle number in case of a traffic accident , In case of a traffic accident, the boarding location (including driver's seat, front passenger's seat, back seat, etc.), insurance payment account information (including financial institution name, account number, account holder, etc.), hospital treatment information, hospital diagnosis information, etc. do. In addition, the injury accident proof document is in the form of an electronic document for an electronic contract, and includes an admission and hospitalization medical expense receipt, a medical certificate, a diagnosis of aftereffects, a detailed (calculation) statement of medical expenses, a confirmation of admission and discharge, a prescription, and the like.

In addition, the server 300 requests the medical institution server 200 for a medical expense receipt, a medical certificate, a detailed calculation statement of medical expenses, etc. in the form of an electronic document required for an insurance claim based on the received insurance claim request information, and the request In response, a receipt for medical expenses related to a specific individual of the user terminal 100 provided from the medical institution server 200, a diagnosis, a detailed calculation statement for medical expenses, and the like are received. At this time, the server 300 interworks with the medical institution server 200 and the insurance company server 600 to provide a receipt for medical expenses, a medical certificate, a detailed calculation statement for medical expenses, etc. necessary for claiming insurance money related to the specific individual to the medical institution server ( 200) may be configured to directly provide (or receive/transmit) to the insurance company server 600 .

In addition, the server 300 includes the prepared insurance claim, power of attorney, medical expense receipt in the form of an electronic document required for insurance claim provided from the medical institution server 200, medical certificate, detailed calculation statement for medical expenses, and the received insurance claim request information. etc. are transmitted (or provided/received) to the insurance company server 600 to perform an insurance claim function on behalf of the customer of the user terminal 100 . Here, the power of attorney is in the form of an electronic document for an electronic contract, and includes seal information, personal information, and delegation details of the user (or insurance claimant) of the user terminal 100 .

In addition, the server 300 generates an insurance money claim function progress result according to the execution of the insurance money claim function, and transmits the generated insurance money claim function progress result to the user terminal 100 . Here, the result of the insurance claim function process is the insurance claim, claim date, recipient information, progress information (e.g., insurance claim, accident receipt confirmation, document review, on-site review, review and approval, completion of processing-insurance payment, etc.), etc. includes

In addition, when the server 300 fails to perform the insurance claim function performed in conjunction with the user terminal 100 , the medical institution server 200 , the insurance company server 600 , etc., the server 300 makes a corresponding insurance claim Information indicating that the insurance claim function has failed according to the request information (eg, including essential documents not attached, duplicate application, etc.) is transmitted to the user terminal 100 .

In addition, when insurance payment is failed (or rejected) as a result of performing the insurance payment examination process in the medical institution server 400 , the server 300 transmits the corresponding user terminal 100 from the insurance company server 600 . ) receives information indicating that the examination of the insurance claim has failed (or rejected).

In addition, the server 300 transmits to the user terminal 100 information indicating that the received examination of the insurance claim filed by the user terminal 100 has failed (or rejected).

In addition, if the insurance payment is successful as a result of performing the insurance payment examination process in the medical institution server 400 , the server 300 receives insurance payment information related to a specific individual transmitted from the insurance company server 600 . .

In addition, the server 300 accumulates and stores the received insurance money payment information as a personal health record of the specific individual. In this case, the server 300 may store the corresponding insurance payment information as a personal health record in a block chain manner.

In addition, as a result of verification by the medical institution server 400 for the insurance money paid from the insurance company server 600 to the user terminal 100, when it is verified that the insurance money is overcharged for the insurance money payment case , the server 300 interworks with the user terminal 100 , the insurance company server 500 , the medical institution server 400 , and the like to perform a refund processing function for overcharged insurance money.

In addition, the server 300 is based on the ownership of the PHR information managed by the server 300, the PHR information that the medical institution owns (eg, information about treatment and prescription) is the medical institution server 400 ), and may provide PHR information below the sharing level set to be disclosed to the medical-related institution server 400 among the PHR information according to the request of the medical-related institution server 400 . For example, in the past, only information about treatment or prescription was provided to the medical-related institution server 400 for insurance claims, but general patient visit time information and simple examination information not related to such insurance claims were provided. However, it is possible to enable the medical-related institution server 400 to collect such information in order to identify medical trends or health information. Furthermore, in the case of the medical institution server 200, if the PHR information is provided to the server 300 only once, the information on the insurance claim among the information is transmitted to the medical institution server 400, and related information can be provided at any time as needed. This can reduce the administrative burden for insurance claims. In addition, erroneous or duplicate information can be easily filtered by double checking of the medical institution server 200 and the user terminal 100 .

In addition, when the server 300 stores information about the smart contract and receives a corresponding PHR use request, the smart contract is automatically checked and processed according to the health information policy set in the smart contract, but permission is not provided according to the smart contract If necessary, request permission from the owner of the corresponding PHR (user terminal 100 or medical institution server 200), check the permission (approval), and execute the smart contract. It can be paid to the owner. In this case, the reception of the permission request and the permission accordingly may be automatically checked and processed according to the settings of the corresponding user terminal 100 or the medical institution server 200 .

In addition, the server 300 transmits the selected PHR information according to the request of the medical information using terminal 500 to use the medical information and whether the smart contract is implemented according to the PHR sharing level in a preset method (eg, API (Application) programming interface), web link, cloud server link, information including specific code, etc.), but when the use of the PHR expires, the right to use can be revoked and this can be recorded in the blockchain. The expiration of the PHR use can be a period or a number of uses, which can be identified by checking the contract period, by checking the number of API calls or link use, or by checking the number of uses through the included code, Revocation can be accomplished by suspending access to the corresponding API, discarding link information, executing a revocation code included in shared information, and receiving revocation confirmation information.

The block chain used in the server 300 according to the embodiment of the present invention may be a public block chain and/or a private block chain according to a designer's design.

In addition, the server 300 is a set sharing level and ownership of PHR information set in advance among the user terminal 100 , the medical institution server 200 , and the medical information use terminal 500 that want to use the PHR information. According to the health information policy based on various types of information, such as, PHR can be checked, transmitted to another target, or the use of another target can be permitted, and cost or profit distribution is handled according to the setting including ownership.

For example, the server 300 may be configured to incur a cost when reading the corresponding PHR information according to the sharing level set by the medical institution, even for individuals who are the identification subject of the PHR, and when sharing it with other medical institutions In some cases, it is structured to incur costs or obtain permission from a medical institution. Conversely, even a medical institution may be structured to obtain the user's permission in order to view or transmit personal information in the PHR to other medical institutions. can Furthermore, when a third party (eg, other medical institution, medical information user, or medical-related institution) wants to use the PHR, the server 300 sets freely available information according to the sharing level or grants permission. It is also possible to set the information to be obtained (or automatic permission according to the smart contract standard, permission according to the permission criteria set in the node of the user terminal or medical institution server, permission after manual confirmation, etc.) or information to be paid for. In the case of these costs, the server 300 may be configured to distribute revenue according to the owner of the corresponding PHR information, and some of these may be configured to be processed as fees for service operation.

In addition, the server 300 may share the PHR with a third party other than an individual user who is the direct subject of the PHR or a medical institution that generates the PHR information (for example, another medical institution, a medical information user, or a medical-related institution). In this case, it is possible to set information on the expiration of use for sharing the PHR, and manage the disposal of the use right or delivery information accordingly.

For example, the server 300 sets whether to implement a smart contract according to the request of the medical information use terminal 500 to use medical information and the PHR sharing level (or permission or payment, type of use, expiration date, etc.) However, the PHR information selected in accordance with the additional smart contract for implementation, etc.) is used in a preset manner through the health information use interface unit (not shown) (for example, API, web link, cloud server link, including specific code). information, etc.), and when the use of this shared PHR expires, the right to use can be revoked and this can be recorded on the blockchain.

On the other hand, the expiration of the PHR use can be a period or a number of uses. It can be identified through the method, and disposal can be accomplished by stopping access to the corresponding API, discarding link information, executing a revocation code included in shared information, and receiving revocation confirmation information. In addition, the server 300 can prevent misuse while activating fair sharing of the PHR by managing all of the information on sharing and discarding with a block chain.

In addition, when there is a request for use of PHR information by a specific individual user terminal, the server 300 can freely use it according to the sharing level of the requested PHR, that is, health information use policy and smart contract contents (to the corresponding user terminal). The PHR information can be used (transmitted to the user terminal or sent to the designated destination) after the transmission or transmission to a designated destination) or satisfying a specific policy or contract condition (paying a fee or obtaining permission, etc.). If a cost is required, the server 300 may process the cost and set the cost according to the setting, and the request for use, the result, and the sharing details may be stored in a block chain.

In addition, the server 300 may additionally provide disease management tools, health management applications, clinical research management tools, social networking tools, etc. utilizing the personal health record to the user terminal 100 through the dedicated app. have.

In addition, the server 300 provides, based on personal health records and insurance product information related to a particular individual, when the particular individual does not subscribe to any insurance product, the specific individual customized insurance according to the personal health record. Product information may be recommended to the user terminal 100 .

Accordingly, when the user terminal 100 subscribes to the insurance product recommended by the server 300, the server 300 provides information on the insurance product purchased by the user terminal 100. The corresponding insurance company server ( 600) may receive an amount corresponding to a certain fee.

In addition, the server 300 interlocks with the medical institution server 400 based on personal health records, work status, age, etc. related to a specific individual, and provides free health checkup information to a user corresponding to the specific individual. It may be provided to the terminal 100 .

The medical institution server 400 communicates with the user terminal 100 , the medical institution server 200 , the server 300 , the medical information use terminal 500 , the insurance company server 600 , and the like. In this case, the medical-related institution server 400 may be a server provided in a medical-related institution such as the Health Insurance Review and Assessment Service and the Health Insurance Corporation.

In addition, the medical institution server 400 receives insurance payment information related to a specific individual transmitted from the insurance company server 600 .

In addition, the medical institution server 400 interworks with the medical institution server 200 corresponding to the accident information included in the insurance payment information based on the received insurance payment information to provide medical information related to the insurance payment case. Check it.

In addition, the medical institution server 400 verifies whether or not the insurance claim is overcharged based on the received insurance money payment information and the received medical information related to the received insurance money payment case.

As a result of the verification, if the insurance money is normally claimed for the insurance money payment case, the medical-related institution server 400 processes the insurance money payment case in a state in which the insurance money payment is normally claimed.

In addition, as a result of the verification, if the insurance amount is overcharged for the insurance payment case, the medical institution server 400 interworks with the user terminal 100, the server 300, the insurance company server 500, etc. Executes the refund processing function for the claimed insurance money.

The medical information use terminal 500 communicates with the user terminal 100 , the medical institution server 200 , the server 300 , the medical-related institution server 400 , the insurance company server 600 , and the like. In this case, the medical information use terminal 500 may be a terminal possessed by a medical information user who generates various additional information or provides additional services by utilizing personal health records.

In addition, the medical information use terminal 500 transmits personal health record request information for requesting a personal health record (PHR) related to a specific individual to the server 300 .

In addition, the medical information use terminal 500 receives a personal health record related to a specific individual transmitted from the server 300 in response to the personal health record request information, and additional information using the received personal health record or provide additional services to other user terminals 100 , other medical institution servers 200 , and the like.

In addition, when the right to the personal health record related to the specific individual is not set in the medical information use terminal 500 for the requested information, the medical information use terminal 500 is transmitted from the server 300 Receives information indicating that there is no authority for the personal health record request information, and displays (or outputs) information indicating that there is no authority for the received personal health record request information.

The insurance company server 600 communicates with the user terminal 100 , the medical institution server 200 , the server 300 , the medical-related institution server 400 , the medical information use terminal 500 , and the like.

In addition, when the server 300 receives new medical information related to a specific individual from the medical institution server 200 , the insurance company server 600 interworks with the server 300 to perform machine learning according to artificial intelligence. Personal information (eg, name, part of resident registration number, address information, phone number, etc.) entered (or registered) by an individual of the user terminal 100 when signing up for the server 300 using Inquire (or confirm) the insurance product information related to the specific individual based on the consent to collection and use of personal information. Here, the insurance product information includes life insurance subscription information, non-life insurance subscription information, etc., insurance company information, insurance type, contract number, expiration information, insurance solicitor information, terms and conditions information, main coverage details, contract status (eg, For example, retention, expiration, expiration, etc.) and subscriber information (including, for example, contractor, insured, beneficiary, legal heir, etc.), etc. In addition, the server 300 interlocks with the user terminal 100 corresponding to the specific individual, and performs a consultation function in the form of an electronic document for personal information collection and use consent information for insurance product information inquiry in advance. state may be

In addition, the server 300 performs an insurance claim function by interworking with the user terminal 100 , the medical institution server 200 , and the insurance company server 600 .

In addition, the insurance company server 600 shares various information through a business agreement with the server 300 .

In addition, the insurance company server 600 performs an insurance contract function with the user terminal 100 .

In addition, the insurance company server 600 performs an insurance contract function for public interest insurance products for a region related to the local government according to a business agreement with the local government.

In addition, when a cause for payment of insurance money occurs according to an insurance contract, the insurance company server 600 performs an insurance payment function according to the insurance contract.

In addition, the insurance company server 600 receives the insurance claim, power of attorney, medical expense receipt, medical certificate, detailed calculation statement of medical expenses, insurance claim request information, etc. transmitted from the server 300 .

In addition, the insurance company server 600 performs the insurance claim function in the user terminal 100 related to a specific individual, and the received insurance claim, power of attorney, medical expenses receipt, medical certificate, detailed calculation statement of medical expenses, insurance claim request information, etc. Based on this, the insurance payment review process is carried out. In this case, the insurance company server 600 interworks with the server 300 and the user terminal 100 , and is a damage adjuster by the user terminal 100 and/or another damage adjuster by the insurance company server 600 . may be selected, and a damage assessment form may be prepared for the insurance payment case by linking with the damage adjuster terminal (not shown) possessed by the selected damage adjuster and/or other damage adjuster. In addition, the insurance company server 600 performs the insurance payment review process according to the written damage assessment.

When the insurance payment is determined as a result of the insurance payment review process, the insurance company server 600 calculates (or calculates/calculates) the insurance money according to the insurance payment review. In this case, the insurance money may be information included in the damage assessment report.

In addition, the insurance company server 600 transfers the calculated insurance money to a bank account related to the user terminal 100 .

In addition, the insurance company server 600 transmits insurance payment information to the user terminal 100 , the server 300 , the medical institution server 400 , and the like. Here, the insurance payment information includes accident information, insurance company information, claim date, recipient information, medical expenses receipt, medical certificate, detailed medical expenses calculation statement, insurance money information, insurance payment status information, and the like.

In addition, as a result of performing the insurance payment review process, when the insurance payment fails (or rejects), the insurance company server 600 fails (or rejects) the examination of the insurance claim filed by the user terminal 100 . It transmits the information indicating that the user terminal 100 to the user terminal 100 via the server 300 .

In addition, as a result of verification by the medical institution server 400 for the insurance money paid from the insurance company server 600 to the user terminal 100, when it is verified that the insurance money is overcharged for the insurance money payment case , the insurance company server 600 performs a refund processing function for overcharged insurance in conjunction with the user terminal 100 , the server 300 , the medical institution server 400 , and the like.

In this way, on the basis of personal health records, including electronic health records of medical institutions and health records collected by individuals, and insurance product information related to individuals, claimable insurance information according to individual use of hospitals and clinics is checked and provided to individuals; According to the confirmation of the insurance company, the insurance can be automatically claimed by linking with the server of the insurance company.

In addition, in this way, the personal health record provided to the terminal possessed by the individual can be encrypted and managed based on the quantum random number generator and quantum key distributor.

Hereinafter, a method for providing insurance information using artificial intelligence and personal health record according to the present invention will be described in detail with reference to FIGS. 1 to 4 .

3 to 4 are flowcharts illustrating a method of providing insurance information using artificial intelligence and personal health records according to an embodiment of the present invention.

First, the server 300 receives health information, sharing level information, and identification information of the user terminal 100 transmitted from the user terminal 100 . Here, the health information (or health record) is measured information collected in relation to an individual (or user) of the user terminal 100 using a scale, body fat meter, blood sugar meter, blood pressure meter, pulse meter, etc. weight, body fat, blood sugar, It includes health-related information such as blood pressure, pulse, and the like, information on food, information on eating, which is information related to food consumed by a corresponding individual according to a user input, and information on exercise. In addition, the sharing level information (or sharing level information on use policy/health information) includes sharing information on the health information, information on ownership of the health information, etc. Includes information about subjects, etc. In addition, the identification information of the user terminal 100 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card unique information, serial number, and the like.

In addition, the server 300 maps the received health information, sharing level information, etc. with identification information of the corresponding user terminal 100 (or account information corresponding to the identification information of the corresponding user terminal 100) (or By matching/interlocking), it is accumulated and stored as an individual's personal health record (PHR). At this time, the server 300 may store the corresponding health information, sharing level information, identification information of the corresponding user terminal 100, etc. as a personal health record in a block chain manner. Here, the server 300 may store information specified through sharing level information or a health information use policy set based on the information as a smart contract in the block chain.

As an example, the server 300 collects the first weight, the first body fat, and the first weight collected around 10:00 am on November 10, 2020 in relation to the corresponding Hong Gil-dong transmitted from the first user terminal 100 possessed by the Hong Gil-dong. Blood sugar, 1st blood pressure, 1st pulse, 1st eating information on food consumed around 8:00 am on November 10, 1st exercise information for 30 minutes on November 10th about 9 am 1 health information, first sharing level information (eg, including patient simple health information for the first health information, possession of the patient for the first health information, etc.), identification information of the first user terminal, and the like are received.

In addition, the server 300 maps the received first health information, the first sharing level information, etc. with the identification information of the first user terminal and stores it as a personal health record of the corresponding Hong Gil-dong in a block chain manner (S310) .

In addition, the server 300 receives medical information about an identifiable individual transmitted from one or more medical institution servers 200 , sharing level information, identification information of the medical institution server 200 , and the like. Here, the medical information includes electronic medical record (EMR) information, electronic health record (EHR) information, etc., and patient personal information (eg, simple personal information, existing medical history, etc.) , the patient's simple examination information (including, for example, the contents of the questionnaire, measurements according to the simple examination, medical images, etc.), opinions including medical professional expertise (including, for example, diagnosis), detailed medical records (eg, prescriptions) , including medical data for treatment, surgery, hospitalization, etc.) In addition, the sharing level information (or sharing level information on use policy/medical information) includes sharing information on the medical information, information on ownership of the medical information, etc. Includes information about subjects, etc.

In addition, the server 300 accumulates and stores the received medical information about the individual, sharing level information, and the like as a personal health record (PHR) of an individual that is a target of the corresponding medical information. In this case, the server 300 may store the corresponding medical information, sharing level information, etc. as a personal health record in a block chain manner. Here, the server 300 may store information specified through sharing level information or a health information use policy set based on the information as a smart contract in the block chain.

In this way, the server 300 provides health information provided from the user terminal 100, sharing level information for the health information, and the individual ( Alternatively, medical information related to the user) and sharing level information for the corresponding medical information may be accumulated as a personal health record related to the individual.

As an example, the server 300 is the first medical information related to the Hong Gil-dong transmitted from the first medical institution server 200 (eg, medical information related to treatment due to a bicycle accident around 2 pm on November 6, 2020) , first sharing level information, identification information of the first medical institution server, and the like are received.

In addition, the server 300 stores the received first medical information, the first sharing level information, etc. as a personal health record of Hong Gil-dong, which is the subject of the corresponding medical information, in a block chain method (S320).

Then, when the personal health record related to the individual of the user terminal 100 is updated, the server 300 records the updated (or up-to-date) personal health record related to the individual of the user terminal 100 to the user. It is transmitted to the terminal 100 .

In addition, the user terminal 100 receives a personal health record related to an individual of the user terminal 100 transmitted from the server 300 .

In addition, the user terminal 100 stores the received personal health record in the user terminal 100 . At this time, when the personal health record is stored in the user terminal 100, the user terminal 100 is based on a quantum random number generator (not shown) and a quantum key distributor (not shown) installed in the user terminal 100. Encrypt and store (or manage) health records.

For example, personal health records related to the corresponding Hong Gil-dong, such as first health information and first sharing level information transmitted from the first user terminal, and first medical information and first sharing level information transmitted from the first medical institution server When this is updated, the server 300 transmits the first personal health record related to the last updated state of the Hong Gil-dong to the first user terminal.

In addition, the first user terminal receives the first personal health record transmitted from the server (300).

In addition, the first user terminal encrypts the received first personal health record using a quantum random number generator and a quantum key distributor installed in the first user terminal in advance and stores it on one side of the storage space of the first user terminal ( S330).

In addition, when the server 300 receives new medical information related to a specific individual from the medical institution server 200 , the server 300 interworks with one or more insurance company servers 600 to perform machine learning according to artificial intelligence. Personal information (eg, name, part of resident registration number, address information, phone number, etc.) entered (or registered) by an individual of the user terminal 100 when signing up for the server 300 using Inquire (or confirm) the insurance product information related to the specific individual based on the consent to collection and use of personal information (or consent). Here, the insurance product information includes life insurance subscription information, non-life insurance subscription information, etc., insurance company information, insurance type, contract number, expiration information, insurance solicitor information, terms and conditions information, main coverage details, contract status (eg, For example, retention, expiration, expiration, etc.) and subscriber information (including, for example, contractor, insured, beneficiary, legal heir, etc.), etc. In addition, the server 300 interlocks with the user terminal 100 corresponding to the specific individual, and performs a consultation function in the form of an electronic document for personal information collection and use consent information for insurance product information inquiry in advance. state may be

At this time, the server 300 retrieves the public interest insurance product information related to the specific individual from among one or more public interest insurance product information previously registered in the server 300 based on the personal information and the personal information collection and use consent information. You can also check Here, the insurance product information for the public interest refers to the insurance (or insurance product) automatically purchased by the local government corresponding to the region in consideration of the region in which the specific individual actually resides (or on a copy of resident registration) and the age of the specific individual. ) may be related to

For example, when the server 300 receives the first medical information related to Hong Gil-dong from the first medical institution server, the server 300 sends the user of the first user terminal Hong Gil-dong to the server 300 . The first personal information entered at the time of registration (including, for example, Hong Gil-dong, 900101-1 part of the resident registration number, 456 Samseong-ro 123-gil, Gangnam-gu, Seoul, 010-1234-5678, etc.) Based on the collection and use consent information, etc., in conjunction with one or more insurance company servers 600, the first insurance product information (eg, including ABCDE Life Indemnity Medical Insurance, etc.) related to the corresponding Hong Gil-dong is checked.

In addition, when the server 300 receives the first medical information related to Hong Gil-dong from the first medical institution server, the server 300 provides the first personal information, the first personal information collection and use agreement information, etc. Based on the one or more public interest insurance product information previously registered in the server 300, the first public interest insurance product information related to the Hong Gil-dong (including, for example, Seoul bicycle insurance, etc.) is checked (S340).

Thereafter, the server 300 uses machine learning according to artificial intelligence to use a specific individual's hospital, clinic, midwife, etc. At least one claimable insurance product information is checked. Here, the hospital includes general hospitals, dental hospitals, oriental medicine hospitals, nursing hospitals, general hospitals, and the like, and the clinics include general clinics, dental clinics, oriental medicine clinics.

That is, the server 300 analyzes the personal health record of the specific individual according to machine learning and the insurance product information (or insurance contract details included in the insurance product information) related to the identified specific individual, Among the one or more insurance product information related to the specified individual, at least one insurance product information (or one or more insurance payment items payable to the customer) that can be claimed for the relevant personal health record (or the medical information) case is checked.

In addition, the server 300 analyzes the personal health record of the specific individual according to machine learning and one or more public interest insurance product information (or insurance contract details included in the public interest insurance product information) related to the identified specific individual. At least one public interest insurance product information (or one or more insurance money items payable to customers) that can claim insurance for the relevant personal health record (or the medical information) among the one or more public interest insurance product information related to the identified specific individual through ) is checked.

In addition, the server 300 transmits the confirmed at least one insurance product information, the confirmed at least one public interest insurance product information, and the like to the user terminal 100 of a specific individual.

As an example, the server 300 analyzes the first personal health record of Hong Gil-dong and the confirmed first insurance product information according to machine learning, and provides information on the first medical information included in the first personal health record. In this case, it is confirmed that claims can be made based on the first insurance product information, and the first insurance product information, which is a claimable insurance according to the use of a first medical institution (not shown) corresponding to the first medical institution server of the corresponding Hong Gil-dong, is checked. .

In addition, the server 300 analyzes the first personal health record of the Hong Gil-dong according to machine learning and the confirmed first public interest insurance product information, and provides the first medical information included in the first personal health record. In this case, it is confirmed that insurance claims can be made according to the first public interest insurance product information, and the first public interest insurance product information, which is a claimable insurance according to the use of the first medical institution corresponding to the first medical institution server of the corresponding Hong Gil-dong, is checked.

In addition, the server 300 provides the verified first insurance product information (eg, ABCDE Life Indemnity Medical Insurance), the verified first public interest insurance product information (eg, including bicycle insurance in Seoul), and the like. 1 It is transmitted to the user terminal (S350).

Thereafter, the user terminal 100 receives at least one insurance product information and at least one public interest insurance product information transmitted from the server 300 .

In addition, the user terminal 100 displays (or outputs) the received at least one insurance product information, at least one public interest insurance product information, and the like.

In addition, when the customer of the corresponding user terminal 100 who has confirmed the at least one insurance product information and the at least one public interest insurance product information wants to claim an insurance money, the user terminal 100 provides the insurance claim request information, the user The identification information of the terminal 100 and the like are transmitted to the server 300 . Here, the insurance claim request information includes personal information collection and use consent information, at least one insurance product information and/or at least one public interest insurance product information, and insurance claim application information.

For example, the first user terminal receives the first insurance product information transmitted from the server 300, the first public interest insurance product information related to the Hong Gil-dong (eg, including bicycle insurance in Seoul), and the like.

In addition, the first user terminal displays the received first insurance product information, first public interest insurance product information related to the corresponding Hong Gil-dong (including, for example, Seoul bicycle insurance), and the like.

In addition, when applying for insurance according to the first insurance product information and the first public interest insurance product information, the first user terminal claims a first insurance claim including information on consent to collection and use of personal information according to user input The request information, identification information of the first user terminal, etc. are transmitted to the server 300 (S360).

Thereafter, the server 300 receives insurance claim request information and identification information of the user terminal 100 transmitted from the user terminal 100 .

In addition, the server 300 performs an insurance claim function by interworking with the user terminal 100 , the medical institution server 200 , and the insurance company server 600 .

That is, the server 300 prepares (or generates) an insurance claim in the form of an electronic document necessary for claiming insurance based on the received insurance claim request information. In this case, the server 300 may work with the user terminal 100 to create an insurance claim in the form of an electronic document required for the insurance claim. Here, for the electronic contract, the insurance claim form includes personal information (for example, the name of the insured person, resident registration number, etc.) according to the user input of the user terminal 100, the date of occurrence of the event (or the date/time of occurrence of the accident), Location of incident (or place of accident), classification of receipt (including, for example, new, added, etc.), information on the type of accident (including, for example, illness, injury, traffic accident, property, compensation, etc.), information on the type of treatment (eg, hospitalization) , hospitalization, etc.), claim collateral information (including actual medical expenses, daily hospitalization, diagnosis, surgery, disability, death, etc.), treatment details (or accident details), hospital name and department, vehicle number in case of a traffic accident , In case of a traffic accident, the boarding location (including driver's seat, front passenger's seat, back seat, etc.), insurance payment account information (including financial institution name, account number, account holder, etc.), hospital treatment information, hospital diagnosis information, etc. do. In addition, the injury accident proof document is in the form of an electronic document for an electronic contract, and includes an admission and hospitalization medical expense receipt, a medical certificate, a diagnosis of aftereffects, a detailed (calculation) statement of medical expenses, a confirmation of admission and discharge, a prescription, and the like.

In addition, the server 300 requests the medical institution server 200 for a medical expense receipt, a medical certificate, a detailed calculation statement of medical expenses, etc. in the form of an electronic document required for an insurance claim based on the received insurance claim request information, and the request In response, a receipt for medical expenses related to a specific individual of the user terminal 100 provided from the medical institution server 200, a diagnosis, a detailed calculation statement for medical expenses, and the like are received.

In addition, the server 300 includes the written insurance claim, power of attorney, medical expense receipt in the form of an electronic document required for insurance claim provided from the medical institution server 200, medical certificate, detailed calculation statement for medical expenses, and the received insurance claim request information. etc. are transmitted (or provided/received) to the insurance company server 600 to perform an insurance claim function on behalf of the customer of the user terminal 100 . Here, the power of attorney is in the form of an electronic document for an electronic contract, and includes seal information, personal information, and delegation details of the user (or insurance claimant) of the user terminal 100 .

In addition, the server 300 generates an insurance money claim function progress result according to the execution of the insurance money claim function, and transmits the generated insurance money claim function progress result to the user terminal 100 . Here, the result of the insurance claim function process is the insurance claim, claim date, recipient information, progress information (e.g., insurance claim, accident receipt confirmation, document review, on-site review, review and approval, completion of processing-insurance payment, etc.), etc. includes

In addition, the user terminal 100 receives the insurance claim function progress result transmitted from the server 300 in response to the previously transmitted insurance claim request information, and displays (or outputs) the received insurance money claim function progress result. do.

For example, the server 300 receives first insurance claim request information transmitted from the first user terminal, identification information of the first user terminal, and the like.

In addition, the server 300 creates a first insurance claim in the form of an electronic document necessary for claiming insurance money in conjunction with the first user terminal. In this case, the server 300 may create individual insurance claims for the medical insurance for physical loss and the bicycle insurance in Seoul, or may create one insurance claim in combination.

In addition, the server 300 requests the first medical institution server for a medical expense receipt, a medical certificate, a detailed calculation statement of medical expenses, etc. in the form of an electronic document required for an insurance claim based on the received first insurance claim request information, and the In response to the request, a first medical expense receipt, a first diagnosis, and a first detailed calculation statement for medical expenses are received according to the first medical information related to the corresponding Hong Gil-dong transmitted from the server of the first medical institution.

In addition, the server 300 receives the received first insurance claim request information, the written first insurance claim, a first power of attorney, a first medical bill receipt according to the received first medical information related to Gil-dong Hong, and a first medical certificate. , and transmits the first medical expense detailed calculation statement, etc. to the first insurance company server 600 related to the first insurance product information of the ABCDE Life Indemnity Medical Insurance and the first public interest insurance guide information of the Seoul bicycle insurance (S370).

Thereafter, the insurance company server 600 receives the insurance claim, power of attorney, medical expense receipt, medical certificate, detailed calculation statement of medical expenses, insurance claim request information, etc. transmitted from the server 300 .

In addition, the insurance company server 600 performs the insurance claim function in the user terminal 100 related to a specific individual, and the received insurance claim, power of attorney, medical expenses receipt, medical certificate, detailed calculation statement of medical expenses, insurance claim request information, etc. Based on this, the insurance payment review process is carried out. In this case, the insurance company server 600 interworks with the server 300 and the user terminal 100 , and is a damage adjuster by the user terminal 100 and/or another damage adjuster by the insurance company server 600 . may be selected, and a damage assessment form may be prepared for the insurance payment case by linking with the damage adjuster terminal (not shown) possessed by the selected damage adjuster and/or other damage adjuster. In addition, the insurance company server 600 performs the insurance payment review process according to the written damage assessment.

When the insurance payment is determined as a result of the insurance payment review process, the insurance company server 600 calculates (or calculates/calculates) the insurance money according to the insurance payment review. In this case, the insurance money may be information included in the damage assessment report.

In addition, the insurance company server 600 transfers the calculated insurance money to a bank account related to the user terminal 100 .

In addition, the insurance company server 600 transmits insurance payment information to the user terminal 100 , the server 300 , the medical institution server 400 , and the like. Here, the insurance payment information includes accident information, insurance company information, claim date, recipient information, medical expenses receipt, medical certificate, detailed medical expenses calculation statement, insurance money information, insurance payment status information, and the like.

In addition, the user terminal 100 receives the insurance money payment information transmitted from the insurance company server 600 and displays (or outputs) the received insurance money payment information.

For example, the first insurance company server may include the first insurance claim request information transmitted from the server 300, the first insurance claim, a first medical fee receipt according to the first medical information related to the corresponding Hong Gil-dong, a first medical certificate, Receive the detailed calculation statement of the first medical expenses.

In addition, the first insurance company server performs the insurance payment review process based on the received first insurance claim request information, the first insurance claim, the first medical expense receipt, the first diagnosis, the first detailed calculation statement for medical expenses, etc. do.

In addition, when the insurance payment is determined for the relevant insurance claim, the first insurance company server sends the first insurance amount (for example, 500,000 won) according to ABCDE Life Indemnity Medical Insurance’s actual loss medical expenses and injury surgery expenses according to the insurance payment review. The total insurance amount (for example, 1 million won) including the second insurance amount (for example, 500,000 won) according to the bicycle insurance is calculated.

In addition, the first insurance company server transfers the calculated total insurance money to the first bank account related to the first user terminal.

In addition, the first insurance company server generates first insurance money payment information related to the insurance money paid to the corresponding Hong Gil-dong, and transmits the generated first insurance money payment information to the first user terminal, the server 300, and the medical institution. It is transmitted to the server 400 and the like.

In addition, the first user terminal receives the first insurance money payment information transmitted from the first insurance company server, and displays the received first insurance money payment information (S380).

Thereafter, the server 300 receives insurance payment information related to a specific individual transmitted from the insurance company server 600 .

In addition, the server 300 accumulates and stores the received insurance money payment information as a personal health record of the specific individual. In this case, the server 300 may store the corresponding insurance payment information as a personal health record in a block chain manner.

For example, the server 300 receives first insurance money payment information related to Gil-dong Hong transmitted from the first insurance company server.

In addition, the server 300 stores the received first insurance payment information and the like as a personal health record of the corresponding Hong Gil-dong in a block chain manner (S390).

In addition, the medical institution server 400 receives insurance payment information related to a specific individual transmitted from the insurance company server 600 .

In addition, the medical institution server 400 interworks with the medical institution server 200 corresponding to the accident information included in the insurance payment information based on the received insurance payment information to provide medical information related to the insurance payment case. Check it.

For example, the medical institution server 400 receives first insurance payment information related to Gil-dong Hong transmitted from the first insurance company server.

In addition, the medical-related institution server 400 requests the first medical institution server to transmit medical information related to the corresponding Hong Gil-dong based on the received first insurance payment information, and in response to the request, from the first medical institution server The first medical information related to the provided Hong Gil-dong is received (S400).

Thereafter, the medical institution server 400 verifies whether or not the insurance claim is overcharged based on the received insurance money payment information and the received medical information related to the received insurance money payment case.

As a result of the verification, if the insurance money is normally claimed for the insurance money payment case, the medical-related institution server 400 processes the insurance money payment case in a state in which the insurance money payment is normally claimed.

In addition, as a result of the verification, when the insurance money is overcharged for the insurance payment case, the medical institution server 400 interworks with the user terminal 100 , the server 300 , the insurance company server 500 , and the like, It performs the function of refund processing for overcharged insurance money.

For example, the medical institution server 400 verifies whether the insurance money is overcharged based on the received first insurance money payment information, the first medical information, and the like.

As a result of the verification, when it is verified that the insurance money is normally claimed for the insurance money payment case, the medical-related institution server 400 processes the insurance money payment status as the normal insurance money payment status for the insurance money payment case (S410).

As described above, the embodiment of the present invention provides claimable insurance information according to an individual's use of a hospital based on personal health records including electronic health records of medical institutions and health records collected by individuals and insurance product information related to individuals. is provided to the individual, and automatically claims the insurance money in connection with the insurance company server according to the individual's confirmation, thereby improving the user's convenience according to insurance claims, increasing the operational efficiency of the entire processing system related to insurance claims, and using the server It is possible to provide financial benefits to users of the provided health record platform, and to provide expansion and reproduction of personal health record business using terminals.

In addition, as described above, the embodiment of the present invention can enhance the protection of personal information by encrypting and managing personal health records provided to a terminal owned by an individual based on a quantum random number generator and a quantum key distributor.

Those of ordinary skill in the art to which the present invention pertains may modify and modify the above-described contents without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed in the present invention are not intended to limit the technical spirit of the present invention, but to explain, and the scope of the technical spirit of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present invention.

10: Insurance information provision system using artificial intelligence and personal health record
100: user terminal 200: medical institution server
300: Server 400: Medical-related institution server
500: medical information use terminal 600: insurance company server

Claims (10)

a user terminal for transmitting health information and sharing level information related to an individual of the user terminal;
Medical institution server for transmitting personal-related medical information and sharing level information; and
The health information and sharing level information transmitted from the user terminal are mapped with the identification information of the user terminal and stored as a personal personal health record (PHR), and the medical information and sharing level information transmitted from one or more medical institution servers are stored in the medical information. and a server for storing the personal health record of the target individual, and transmitting the updated personal health record related to the individual of the user terminal to the user terminal when the personal health record related to the individual of the user terminal is updated. ,
The user terminal is
An insurance information providing system using artificial intelligence and personal health records for receiving personal health records transmitted from the server, and encrypting and storing the received personal health records. The method of claim 1,
Further comprising an insurance company server that provides insurance product information and public interest insurance product information related to the individual of the user terminal to the server in response to the server's request,
The server is
When receiving medical information related to the individual from the medical institution server, based on the personal information entered by the individual at the time of signing up for the server, the user terminal interworks with one or more insurance company servers to retrieve the insurance product information the individual has subscribed to. Check, check the public interest insurance product information related to the individual from one or more public interest insurance product information previously registered in the server based on the personal information, and check the personal health record of the individual according to machine learning and the identified individual Through analysis of related insurance product information, at least one insurance product information that can claim insurance money for the medical information case is identified among one or more insurance product information related to the identified individual, and the individual's individual according to machine learning Through analysis of health records and public interest insurance product information related to the identified individual, at least one public interest insurance product information that can be claimed for the medical information among one or more public interest insurance product information related to the identified individual and transmits at least one of the confirmed at least one insurance product information and the confirmed at least one public interest insurance product information to the user terminal,
The user terminal is
Displaying at least one of the at least one insurance product information and the at least one public interest insurance product information transmitted from the server, and transmitting insurance claim request information and identification information of a user terminal to the server for claiming insurance money, and An insurance information providing system using artificial intelligence and personal health record, characterized in that it performs an insurance claim function by interworking with a server, the medical institution server, and the insurance company server. 3. The method of claim 2,
The insurance claim request information is,
Artificial intelligence and individuals comprising personal information collection and use consent information, information on at least one of at least one insurance product information and at least one public interest insurance product information, and insurance claim application information Insurance information provision system using health records. 3. The method of claim 2,
The insurance company server,
In accordance with the performance of the insurance claim function related to the individual, the insurance payment review process is performed based on at least one of the insurance claim, power of attorney, medical expense receipt, medical certificate, and detailed calculation statement for medical expenses transmitted from the server, and the result of the insurance payment review process , when an insurance payment is decided, calculates the insurance amount according to the insurance payment review, deposits the calculated insurance money into a bank account related to the user terminal, and transmits the insurance payment information to a server of a medical institution and an insurance information provision system using personal health records. 5. The method of claim 4,
The medical-related institution server,
Based on the insurance payment information, in conjunction with a medical institution server corresponding to the accident information included in the insurance payment information, medical information related to the insurance payment case is checked, and the insurance payment information and medical information related to the insurance payment case are checked. Verification of whether or not the insurance is overcharged based on the basis of the verification, and the verification result, when it is verified that the insurance amount is overcharged for the insurance payment case, it is linked with the user terminal, the server and the insurance company server to Insurance information providing system using artificial intelligence and personal health record, characterized in that it performs a refund processing function. mapping, by the server, health information and sharing level information transmitted from the user terminal with identification information of the user terminal, and storing it as a personal personal health record (PHR);
storing, by the server, medical information and sharing level information transmitted from one or more medical institution servers as a personal health record of an individual subject to medical information;
when the personal health record related to the individual of the user terminal is updated, transmitting, by the server, the updated personal health record related to the individual of the user terminal to the user terminal;
receiving, by the user terminal, the personal health record transmitted from the server; and
The insurance information providing method using artificial intelligence and personal health record, comprising the step of encrypting and storing the received personal health record by the user terminal. 7. The method of claim 6,
The step of encrypting and storing the received personal health record comprises:
generating, by a quantum random number generator installed in the user terminal, a random random number that cannot be analyzed for a pattern;
generating an encryption key that cannot be eavesdropped on the basis of the generated random number by a quantum key distributor installed in the user terminal; and
The insurance information providing method using artificial intelligence and personal health record, comprising the step of encrypting and storing the personal health record based on the generated encryption key. 7. The method of claim 6,
When receiving medical information related to the individual from the medical institution server, by the server, the individual of the user terminal is linked with one or more insurance company servers based on the personal information entered when signing up for the server, and the individual subscribes checking one insurance product information;
checking, by the server, information on public interest insurance products related to the individual from among one or more public interest insurance product information previously registered in the server on the basis of the personal information;
By the server, through the analysis of the personal health record of the individual and the insurance product information related to the identified individual according to machine learning, the insurance money for the medical information case among one or more insurance product information related to the identified individual checking at least one insurance product information that can be claimed;
By the server, through the analysis of the personal health record of the individual and the public interest insurance product information related to the identified individual according to machine learning, the medical information case from one or more public interest insurance product information related to the identified individual checking at least one public interest insurance product information for which insurance claims can be made;
transmitting, by the server, at least one of the identified at least one insurance product information and the identified at least one public interest insurance product information to the user terminal;
displaying, by the user terminal, at least one of the at least one insurance product information and the at least one public interest insurance product information transmitted from the server;
transmitting, by the user terminal, insurance claim request information and identification information of the user terminal to the server for an insurance claim; and
The method of providing insurance information using artificial intelligence and personal health record, further comprising the step of performing, by the server, an insurance claim function by interworking with the user terminal, the medical institution server, and the insurance company server. 7. The method of claim 6,
The step of performing the insurance claim function comprises:
creating, by the server, an insurance claim in the form of an electronic document necessary for claiming insurance money based on the insurance claim request information, in conjunction with the user terminal;
requesting, by the server, at least one of a medical expense receipt, a medical certificate, and a detailed calculation statement of medical expenses necessary for an insurance claim, to the medical institution server based on the insurance claim request information;
receiving, by the server, at least one of a medical expense receipt, a diagnosis, and a detailed calculation statement for medical expenses transmitted from the medical institution server in response to the request;
transmitting, by the server, at least one of the written insurance claim, power of attorney, and the received medical expense receipt, diagnosis, and detailed calculation statement of medical expenses to the insurance company server to perform an insurance claim function;
generating, by the server, an insurance claim function progress result according to the execution of the insurance money claim function, and transmitting the generated insurance money claim function progress result to the user terminal; and
and displaying, by the user terminal, a result of the insurance claim function transmitted from the server. 7. The method of claim 6,
performing an insurance payment review process based on at least one of an insurance claim, power of attorney, medical expense receipt, medical certificate, and detailed calculation statement for medical expenses transmitted from the server according to the performance of the insurance claim function related to the individual by the insurance company server; ;
calculating, by the insurance company server, an insurance amount according to the insurance payment review when the insurance payment is determined as a result of performing the insurance payment review process;
depositing, by the insurance company server, the calculated insurance money into a bank account related to the user terminal;
transmitting, by the insurance company server, insurance payment information to a medical-related institution server;
checking, by the medical institution server, medical information related to an insurance payment case by interworking with a medical institution server corresponding to the accident information included in the insurance payment information based on the insurance payment information;
verifying, by the server of the medical institution, whether or not the insurance claim is overcharged based on the insurance payment information and medical information related to the insurance payment case; and
As a result of verification, when it is verified that the insurance money is overcharged for the insurance payment case, the medical institution server interworks with the user terminal, the server and the insurance company server to process a refund for the overcharged insurance money Insurance information providing method using artificial intelligence and personal health record, characterized in that it further comprises the step of performing a function.

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