KR20230001848A - Method for acquiring insurance information WITH DUAL-ROUTE - Google Patents

Abstract

According to an embodiment of the present disclosure, a method for obtaining insurance information based on a dual route performed by a computing device is provided. The method may comprise the steps of: obtaining first insurance information of a user through a first route with a server of an insurance-related institution; obtaining second insurance information of the user through a second route with a user terminal of the user; and providing unclaimed insurance money information associated with the user to the user terminal based on at least a part of the first insurance information and the second insurance information.

Description

Dual route-based insurance information acquisition method {Method for acquiring insurance information WITH DUAL-ROUTE}

The present disclosure relates to a method for acquiring insurance information based on a dual route, and more specifically, to a method for automatically acquiring insurance information of a user through a dual route.

Recently, as society becomes more complex and anxiety about the future increases, the number of people who purchase insurance as a part of relieving uncertainty about the future is greatly increasing. As numerous insurance products that can be customized according to the gender, age, or occupation of the policyholder are released, it is common for one consumer to subscribe to multiple insurance products, and even the policyholder Considering other people's insurance or insurance that is subscribed to through travel agency events, it is not easy for consumers to figure out all the insurances that they are insured against.

Accordingly, services are emerging to provide consumers with comprehensive insurance information, but these services only provide insurance information from 2000 onwards, that is, relatively recent insurance information reflected in the insurance company's system, or provide policyholders who are not insured. It is limited to providing insurance information, and the accuracy of the insurance information they provide is not sufficiently guaranteed.

As such, as a result of a joint survey conducted by the Financial Services Commission and the Health and Welfare Service (conducted in December 2018), it was found that the percentage of non-claims for indemnity insurance subscribers reached 47.5%.

Accurately identifying the insurance information that the consumer is the insured is an essential step to exercise the consumer's legitimate right to claim insurance money and reduce the rate of unclaimed insurance money. Accordingly, there is a need in the art to easily and accurately obtain insurance information held.

Republic of Korea Patent Publication No. 2021-0049382

The present disclosure has been made in response to the above background art, and relates to a method for acquiring insurance information based on a dual route.

The technical problems of the present disclosure are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those skilled in the art from the following description.

A method for obtaining insurance information based on a dual route performed by a computing device for solving the above problems, the method comprising: obtaining first insurance information of a user through a first route with a server of an insurance related institution; doing; obtaining second insurance information of the user through a second route with a user terminal of the user; and based at least in part on the first insurance information and the second insurance information, providing unclaimed insurance money information associated with the user to the user terminal; can include

A computer program stored in a computer readable storage medium for solving the above problems, wherein the computer program includes instructions to perform a method for obtaining insurance information when executed by one or more processors of a computing device, the instructions comprising: obtaining first insurance information of a user through a first route with a server of an insurance-related institution; obtaining second insurance information of the user through a second route with a user terminal of the user; and based at least in part on the first insurance information and the second insurance information, providing unclaimed insurance money information associated with the user to the user terminal; can include

A computing device performing a dual-route-based insurance information acquisition method for solving the above problems, the computing device comprising: a processor including one or more cores; and network unit; The processor: obtains the user's first insurance information through a first route with a server of an insurance-related institution, and obtains the user's second insurance information through a second route with a user terminal of the user. Obtain and, based at least in part on the first insurance information and the second insurance information, provide unclaimed insurance amount information associated with the user to the user terminal.

The technical solutions obtainable in the present disclosure are not limited to the above-mentioned solutions, and other solutions not mentioned will become clear to those skilled in the art from the description below. You will be able to understand.

According to some embodiments of the present disclosure, a method for acquiring insurance information based on a dual route may be provided.

Effects obtainable in the present disclosure are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below. .

Various aspects are now described with reference to the drawings, wherein like reference numbers are used to collectively refer to like elements. In the following embodiments, for explanation purposes, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will be apparent that such aspect(s) may be practiced without these specific details.
1 is a block diagram illustrating a computing device providing a method for acquiring insurance information based on a dual route according to some embodiments of the present disclosure.
2 is a flowchart for providing a method for acquiring insurance information based on a dual route according to some embodiments of the present disclosure.
3 is a diagram illustrating a user interface related to acquisition of first insurance information according to some embodiments of the present disclosure by way of example.
4 is a diagram exemplarily illustrating a user interface related to acquisition of second insurance information according to some embodiments of the present disclosure.
5 is a diagram illustrating a user interface related to acquisition of medical history information according to some embodiments of the present disclosure by way of example.
6 is a diagram illustrating a user interface providing unclaimed insurance money information according to some embodiments of the present disclosure by way of example.
7 is a simplified and general schematic diagram of an example computing environment in which some embodiments of the present disclosure may be implemented.

Various embodiments are now described with reference to the drawings. In this specification, various descriptions are presented to provide an understanding of the present disclosure. However, it is apparent that these embodiments may be practiced without these specific details.

"Example", "example", "aspect", "exemplary", etc., used herein should not be construed as preferred or advantageous over any aspect or design described. .

The term “or” is intended to mean an inclusive “or” rather than an exclusive “or”. That is, unless otherwise specified or clear from the context, “X employs A or B” is intended to mean one of the natural inclusive substitutions. Also, the term "and/or" as used herein should be understood to refer to and include all possible combinations of one or more of the listed related items.

Also, the terms "comprises" and/or "comprising" should be understood to mean that the features and/or components are present. However, it should be understood that the terms "comprises" and/or "comprising" do not exclude the presence or addition of one or more other features, elements, and/or groups thereof. Also, unless otherwise specified or where the context clearly indicates that a singular form is indicated, the singular in this specification and claims should generally be construed to mean "one or more".

The description of the presented embodiments is provided to enable any person skilled in the art to use or practice the present invention. Various modifications to these embodiments will be apparent to those skilled in the art of this disclosure. The general principles defined herein may be applied to other embodiments without departing from the scope of this disclosure. Thus, the present invention is not limited to the embodiments presented herein. The present invention is to be accorded the widest scope consistent with the principles and novel features set forth herein.

In the present disclosure, the term "insurance information" may be used as a term meaning information about one or more insurance contracts possessed by a user. In particular, in the present disclosure, the term insurance information may be used as a term meaning information about one or more insurance contracts of which a user is an insured person. That is, even if an insurance contract is signed by someone other than the user, if the user is the insured of the insurance contract, information about the insurance contract may be included in the insurance information in the present disclosure.

Specifically, the term insurance information in the present disclosure may include at least one of insurance company identification information, guaranteed item information, guaranteed amount information, insurance policy information, and payment history information regarding an insurance contract in which the user is the insured.

For example, any one of the insurance information allows the user to pay hospitalization medical expenses for hospitalization (ie, "insurance item information") among insurance products of Samsung Life Insurance Co., Ltd. (ie, "insurance company identification information") within a limit of 50,000,000 won. You have an insurance product that compensates for 80% of your out-of-pocket costs (i.e., “Coverage Amount Information”) for hospitalization from April 11, 2018 to April 30, 2018, and June 2020 Hospitalization from the 1st to June 5th, 2020, that is, information that you have received insurance money of 250,000 won and 60,000 won respectively from Samsung Life Insurance Co., Ltd. (i.e., "Payment History Information") can include

Here, "payment history information" may include one or more payment information. For example, in the above example, the payment history information is two payment information - that is, information on which insurance money of 250,000 won was paid according to hospitalization from May 11, 2018 to April 30, 2018 (i.e., "Payment information") and information on which insurance money of 60,000 won was paid according to hospitalization from June 1, 2020 to June 5, 2020 (ie, "payment information"). The foregoing is merely an example and does not limit the present disclosure.

Meanwhile, in the present disclosure, the term insurance information may be classified into “first insurance information” and “second insurance information” according to a route (ie, route or method) in which each insurance information is obtained. .

Specifically, in the present disclosure, the first insurance information is insurance information obtained through a first route with a server of an insurance-related institution (eg, one or more insurance companies, Korea Credit Information Service, Life Insurance Association, General Insurance Association, etc.) , And the second insurance information may be used as a term meaning insurance information obtained through the second route with the user terminal. A more detailed description of the route through which insurance information is obtained will be described later with reference to FIGS. 2 to 4 .

In the present disclosure, the term "medical history information" may be used as a term meaning information about one or more medical treatments received by a user. Here, the medical treatment history information may include one or more medical treatment information. Each medical treatment information may include information about each medical treatment received by the user, such as medical institution, treatment course code, disease code (KCD), number of days of treatment, claim amount, and start date of treatment. For example, the medical history information is the treatment information in which the user received a prescription at Anse Pharmacy on October 11, 2019 and paid 3,000 won, and the user received general outpatient treatment at Nonhyeon Dental Clinic on November 1, 2019 and paid 23,500 won. It can include paid treatment information and treatment information paid for 9,000 won after receiving general outpatient treatment at Nonhyeon Dental Clinic on July 5, 2020. The foregoing is merely an example and does not limit the present disclosure.

Meanwhile, in the present disclosure, the term medical history information may be classified into “first medical history information” and “second medical history information” according to a route through which each medical history information is obtained.

Specifically, in the present disclosure, the first medical history information is medical history information obtained through a first route with a server of a medical information related institution (eg, the National Health Insurance Service, etc.), and the second medical history information is Each may be used as a term meaning medical history information obtained through the second route with the user terminal. A more detailed description of the route through which the medical history information is obtained will be described later with reference to FIG. 5 .

Meanwhile, the user's medical history information (and one or more medical information included therein) may have a substantially matching relationship with payment history information (and one or more payment information included therein) among the insurance information of the user described above. That is, when a user receives medical treatment, insurance money may be claimed by the user and/or medical institution, and accordingly, insurance money payment information matched to the medical treatment may be generated.

However, the user's medical history information may not completely match the user's payment history information. For example, if a user omit an insurance claim for a specific treatment (i.e., unclaimed insurance), payment information matching the treatment information (hereinafter referred to as "first treatment information") for that treatment exists in the payment history information. In this case, unclaimed insurance money information may be generated based at least on the first medical treatment information, and information on the missing insurance money claim may be provided to the user.

In the present disclosure, the term "unclaimed insurance money information", as described above, means information about insurance money for which claims are omitted, and in particular, information provided to users so that they can claim insurance money without omission in this disclosure can be used as a term meaning

The unclaimed insurance money information may include at least information about identification information of an insurance company capable of claiming insurance money related to the first treatment information (ie, treatment information on a specific treatment for which an insurance claim was omitted) and information about an estimated amount of insurance money to be paid. That is, unclaimed insurance money information may be generated based on the first medical treatment information and the user's insurance information.

For example, a user has an insurance contract of Samsung Life Insurance Co., Ltd. and an insurance contract of DB Insurance Co., Ltd., and on the other hand, the user pays insurance money for hospitalization from May 11, 2018 to April 30, 2018 Samsung In the case of receiving payment from Life Insurance Corporation but not receiving payment from DB Insurance Corporation, unclaimed insurance amount information may be provided to the user to claim the missing insurance money against DB Insurance Corporation. In this case, the unclaimed insurance money information is related to the hospitalization from May 11, 2018 to April 30, 2018 (i.e., "first treatment information") to DB Insurance Co., Ltd. (i.e., "insurance company identification information") ), and in this case, it may include at least information that 250,000 won can be paid (ie, "information on the amount of insurance money expected to be paid").

Meanwhile, the unclaimed insurance money information may further include information on procedures and/or proof documents necessary for claiming the missing insurance money, and through this, the user can immediately claim the missing insurance money. The foregoing is merely an example and does not limit the present disclosure.

In the present disclosure, the term "data scraping" may be used as a term denoting a technique of extracting data necessary for information provision from distributed data and providing the data to the user without the user's web browsing.

Among them, web scraping (or screen scraping) may be a data scraping method in which data displayed on a screen through a display device, that is, information generally displayed on a website, is collected and provided. Web scraping programs may be installed and operated in a server, installed and operated in a client, or installed and operated in a combination of a server and a client.

In the present disclosure, data scraping may be used for the purpose of acquiring first insurance information from a server of an insurance-related institution and/or for obtaining first medical history information from a server of a medical care-related institution. For example, the user's first insurance information may be obtained through scraping of each of the websites of one or more insurance companies, and the user's first medical history information may be obtained through scraping of the National Health Insurance Corporation website. there is. The foregoing is merely an example and does not limit the present disclosure.

In the present disclosure, the term "chatbot interface" may be used as a term meaning an interface, program, or system capable of conducting a conversation with a user in everyday language using voice or text. For example, a chatbot may be implemented by searching for a response matching a keyword in a message in a database based on a predetermined response rule and providing it, and/or using a more sophisticated natural language processing system. Chatbots can be used for various purposes, including customer service or information acquisition. In one embodiment of the present disclosure, a chatbot may be implemented based on machine learning or deep learning networks.

In the present disclosure, the chatbot interface is provided to a user terminal and may be used for the purpose of acquiring second insurance information. For example, through a chatbot interface, a query about the existence of insurance that the user has subscribed to, which is not included in the first insurance information (for example, "Hello customer, do you have more insurance?" or " If you have an insurance policy file or photo, please upload", etc.) to the user terminal, receive a response to the query ("additional insurance information" in this disclosure), and obtain second insurance information based thereon .

In addition, in the present disclosure, the chatbot interface may be provided to a user terminal and used for the purpose of acquiring second medical history information. For example, through a chatbot interface, an inquiry about whether or not the user has received a medical history that is not included in the first medical history information (eg, "Do you want to check additional medical information?", " When is the hospitalization period and time you remember?", etc.) can be transmitted to the user terminal, a response to the inquiry ("additional medical history information" in the present disclosure) is received, and based on this, second medical history information is obtained. can do. The foregoing is merely an example and does not limit the present disclosure.

1 is a block diagram illustrating a computing device providing a method for acquiring insurance information based on a dual route according to an embodiment of the present disclosure.

The configuration of the computing device 100 shown in FIG. 1 is only a simplified example. In one embodiment of the present disclosure, the computing device 100 may include other components for performing a computing environment of the computing device 100, and only some of the disclosed components may constitute the computing device 100.

According to some embodiments of the present disclosure, the computing device 100 may be a user terminal or a server for providing a method for acquiring insurance information based on a dual route to a user. For example, the user terminal may be a terminal in which a program for providing a method for acquiring insurance information based on a dual route is stored in the memory 130, or a terminal for receiving insurance information from a server providing a method for acquiring insurance information based on a dual route. The terminal may have a program stored in the memory 130, or may be a terminal without a separate program installed and receiving insurance information by accessing a server that provides a method for acquiring insurance information based on a dual route.

A computing device 100 according to an embodiment of the present disclosure may include a network unit 110 , a processor 120 and a memory 130 . However, since the above-described components are not essential to implement the computing device 100, the computing device 100 may have more or fewer components than the components listed above.

The computing device 100 according to embodiments of the present disclosure may include a personal computer (PC), a note book, a mobile terminal, a smart phone, a tablet PC, and the like. It may include all types of systems or terminals capable of accessing wired/wireless networks, such as microprocessors, mainframe computers, digital processors, portable devices and device controllers.

In the present disclosure, the network unit 110 may communicate with a server of an external organization and transmit/receive data in order to perform a method for acquiring insurance information based on a dual route according to some embodiments of the present disclosure. For example, the network unit 110. The user's first insurance information may be received by communicating with a server of an insurance-related institution, and/or the user's first medical treatment history information may be received by communication with a server of a medical care-related institution.

In addition, the network unit 110 may communicate with a user terminal and transmit/receive data when the computing device 100 for providing the method for obtaining insurance information based on a dual route according to the present disclosure is a server. For example, the network unit 110 transmits the first insurance information and/or the first medical history information to the user terminal, or the second insurance information and/or the second medical history information that can be obtained from the user terminal, or A user input for generating this may be received, or unclaimed insurance money information generated based on insurance information and medical history information may be transmitted and received. The foregoing is only one embodiment and does not limit the present disclosure.

In the present disclosure, the network unit 110 may be configured regardless of its communication mode, such as wired and wireless, and may be configured with various communication networks such as a personal area network (PAN) and a wide area network (WAN). can In addition, the network may be the known World Wide Web (WWW), or may use a wireless transmission technology used for short-range communication, such as Infrared Data Association (IrDA) or Bluetooth. The techniques described herein may be used in the networks mentioned above as well as other networks.

In the present disclosure, the processor 120 typically controls the overall operation of the computing device 100 . The processor 120 operates at least some of the components of the computing device 100 to drive an application program stored in the memory 130 (for example, an application program related to providing a method for acquiring insurance information based on a dual route). Control, and / or at least two or more can be controlled to operate in combination with each other.

The processor 120 may read the computer program stored in the memory 130 to provide a method for acquiring insurance information based on a double route according to an embodiment of the present disclosure. For example, the processor 120 according to an embodiment of the present disclosure obtains first insurance information through a first route with a server of an insurance-related institution and uses an interface unit (not shown) provided in a user terminal. Through this, a user input may be received to generate the second insurance information. In addition, the processor 120 may generate unclaimed insurance money information based at least in part on the first insurance information and the second insurance information described above, and output the unclaimed insurance money information through a display unit (not shown) provided in the user terminal. there is. The foregoing is only one embodiment and does not limit the present disclosure.

The processor 120 according to an embodiment of the present disclosure may include one or more cores, and includes a central processing unit (CPU), a general purpose graphics processing unit (GPGPU), It may include a processor for data analysis, deep learning, and/or provision of a user interface, such as a tensor processing unit (TPU).

The memory 130 according to an embodiment of the present disclosure may store any type of information generated or determined by the processor 120 and any type of information received by the network unit 110 . Specifically, the memory 130 stores a program for operation of the processor 120, data generated or determined by the processor 120 reading a program, and/or data input/output through the network unit 110. It can also be stored temporarily or permanently.

The memory 130 of the computing device 100 according to some embodiments of the present disclosure may store a program for the processor 120 to perform a method for acquiring insurance information based on a dual route. In addition, the memory 130 of the present disclosure stores first insurance information and/or first medical history information received through the network unit 110, or stores information received through an interface unit (not shown) provided in the user terminal. Storing user input and/or second insurance information and/or second medical history information generated by the processor 120 based thereon, or based at least in part on the first insurance information and second insurance information described above Unclaimed insurance money information generated by the processor 120 may be stored. The foregoing is only one embodiment and does not limit the present disclosure.

The memory 130 according to an embodiment of the present disclosure may be a flash memory type, a hard disk type, a multimedia card micro type, or a card type memory (eg, SD or XD memory, etc.), RAM (Random Access Memory, RAM), SRAM (Static Random Access Memory), ROM (Read-Only Memory, ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory) Only Memory), a magnetic memory, a magnetic disk, and an optical disk may include at least one type of storage medium. The computing device 100 may operate in relation to a web storage that performs a storage function of the memory 130 on the Internet. The above description of the memory is only an example, and the present disclosure is not limited thereto.

2 is a flowchart for providing a method for automatically acquiring insurance information based on a dual route according to some embodiments of the present disclosure.

3 is a diagram illustrating a user interface related to acquisition of first insurance information according to some embodiments of the present disclosure by way of example.

4 is a diagram exemplarily illustrating a user interface related to acquisition of second insurance information according to some embodiments of the present disclosure.

5 is a diagram illustrating a user interface related to acquisition of medical history information according to some embodiments of the present disclosure by way of example.

6 is a diagram illustrating a user interface providing unclaimed insurance money information according to some embodiments of the present disclosure by way of example.

Referring to FIG. 2 , a method for acquiring insurance information based on a dual route according to some embodiments of the present disclosure includes obtaining first insurance information of a user through a first route with a server of an insurance-related institution; obtaining second insurance information of a user through a second route with a user terminal of the user; and based at least in part on the first insurance information and the second insurance information, providing unclaimed insurance money information associated with the user to the user terminal; can include However, the above-described components are not essential in implementing the dual-route-based insurance information acquisition method, so the dual-route-based insurance information acquisition method may have more or fewer components than the components listed above. there is.

First, the computing device 100 may acquire first insurance information of a user through a first route with a server of an insurance-related institution (S110).

The first insurance information and the second insurance information, which will be described later, are information about the insurance of which the user is the insured, and may include at least one of insurance company identification information, guaranteed item information, guaranteed amount information, insurance policy information, and payment history information. there is.

Acquiring the first insurance information may include acquiring the first insurance information from a server of an insurance-related institution by using a data scraping technique. For example, the first insurance information may be acquired through web scraping of a website of an insurance-related institution. However, it is not limited thereto.

Here, the insurance-related institution means an entity that stores, manages, or processes insurance information, and for example, such insurance-related institution may be one or more of one or more insurance companies, Korea Credit Information Service, Life Insurance Association, or Property & Casualty Insurance Association. . That is, through scraping of distributed websites such as one or more insurance companies, Korea Credit Information Service, Life Insurance Association, and/or Non-Life Insurance Association, the user can collect information about the insurance insured and obtain primary insurance information. there is.

In the present disclosure, a route may refer to a method of acquiring data or a communication path between two or more entities acquiring data. As such, the first route may refer to a communication path or data acquisition method between a computing device (eg, an insurance company server or terminal, or a user terminal) for obtaining first insurance information according to the present disclosure and an insurance-related institution.

Meanwhile, reference may be made to FIG. 3 as an example of a user interface for displaying the obtained first insurance information on a user terminal. The user interface 210 shown in FIG. 3 may be, for example, one of the screens of an application installed in a user terminal to provide a method for acquiring insurance information based on a dual route according to the present disclosure.

The user interface 210 displaying the first insurance information includes information included in the first insurance information, that is, insurance company identification information about an insurance contract in which the user is an insured person obtained through data scraping, guaranteed item information, guaranteed amount information, At least some of insurance policy information and payment history information may be displayed, and in particular, at least some of these information may be displayed using user-friendly graphic elements such as text type, graph type, list type, and table type.

For example, referring to FIG. 3 , the user interface 210 for displaying first insurance information includes the number of insurance contracts 211 included in the first insurance information obtained through data scraping, and the number of insurances included in the first insurance information. A graph 212 on the current status of each major guarantee of the contract, a table 213 of one or more insurance contracts included in the first insurance information, and whether or not second insurance information not included in the above first insurance information was obtained It may include an element 214 capable of receiving user input. However, it is not limited thereto.

The graph 212 on the current status of each major guarantee of insurance contracts included in the first insurance information shows that one or more insurance contracts included in the first insurance information cover each of the main guaranteed items - loss, death, disability, etc. - to what extent. It can be a graph that intuitively shows information about whether it is possible. Such information on the current state of each major guarantee may be used to recommend insurance for insufficient guarantee to the user (ie, to provide insurance recommendation information).

According to an embodiment of the present disclosure, the size or shape of the graph 212 relating to the current state of each major guarantee of an insurance contract may be determined based on insurance-related factors included in insurance information. Each index constituting the graph may include insurance-related factors. The graph 212 displays a graph of a specific individual along with an upper limit point, a lower limit point, and/or a reference range (eg) according to other people's guarantee status information according to statistical information, thereby providing a relative view of the specific individual's status by guarantee. Evaluation can be presented intuitively.

The table 213 of one or more insurance contracts included in the first insurance information includes a claim reason 213a, guarantee content 213b, and guaranteed amount 213c for each of the one or more insurance contracts included in the first insurance information. It may be a table shown as a standard. However, it is not limited thereto, and one or more insurance contracts may be shown together with their respective insurance company identification information or insurance product name.

The element 214 capable of receiving a user input regarding whether or not the second insurance information has been acquired includes an element capable of receiving a user input for obtaining the second insurance information (eg, a “add additional input” button) and a second insurance An element capable of receiving a user input for moving to the next step without acquiring information (eg, a "skip" button) may be included.

For example, when a user input for “add additional input” is received, a user interface for acquiring second insurance information may be displayed. The user interface for obtaining the second insurance information will be described in more detail with reference to FIG. 4 below.

Meanwhile, when a user input for "skip" is received, a user interface for generating and providing unclaimed insurance money information based on the first insurance information may be displayed. A user interface for generating and providing unclaimed insurance money information will be described in more detail below with reference to FIGS. 5 and 6 .

Next, the computing device 100 may obtain the user's second insurance information through a second route with the user's user terminal (S120).

Acquiring the second insurance information may include acquiring the second insurance information from the user terminal through a chatbot interface provided to the user terminal. However, the present invention is not limited thereto, and the second insurance information may be obtained from the user terminal through a text-based user interface and/or a graphic user interface (GUI) in addition to an interactive user interface such as a chatbot.

That is, in this case, the second route is a communication path between a computing device (eg, an insurance company server or terminal, or a user terminal) for acquiring second insurance information according to the present disclosure and a user interface provided to the user terminal or a data acquisition method. can mean

In detail, the step of acquiring the second insurance information may include: transmitting a query on whether or not there is insurance associated with the user, which is not included in the first insurance information, to the user terminal through a chatbot interface; Receiving additional insurance information of a user through a chatbot interface; and acquiring second insurance information of the user based on the additional insurance information. can include

Here, the additional insurance information may include image type information, text type information, file type information, voice type information, or any other type of information. For example, additional insurance information of an image type may be an insurance policy image associated with a user (ie, the user is an insured person) photographed through a user terminal. Alternatively, the additional insurance information of the file type may be in an arbitrary format such as PDF, and may be an insurance policy file associated with the user.

More specifically, the acquiring of the second insurance information of the user based on the additional insurance information may include extracting text data from the additional insurance information through Optical Character Recognition (OCR) for the additional insurance information; and acquiring second insurance information based on the extracted text data. can include

For example, if the additional insurance information is an insurance policy image, text data is extracted from the insurance policy image through OCR on the insurance policy image received through the chatbot interface, and second insurance information is obtained based on the extracted text data can do.

Here, the text data extracted through OCR may include insurance company identification information, guaranteed item information, guaranteed amount information, insurance policy information, etc. included in the insurance policy image (ie, additional insurance information), and these extracted information In combination, the second insurance information may be obtained.

Alternatively, based on the text data extracted through OCR and the extracted text data, data may be acquired from an external server, etc., and the second insurance information may be obtained by synthesizing them. For example, text data including insurance company identification information, guaranteed item information, and/or guaranteed amount information is extracted from an insurance policy image through OCR, and based on these extracted text data, access is made to a server of an insurance-related institution, and insurance Terms and conditions information and/or payment history information may be additionally obtained. The above description of the method for obtaining the second insurance information of the user based on the additional insurance information is only an example and does not limit the present disclosure.

In this way, by obtaining the user's insurance information through a dual route, that is, the user's insurance information is doubled through the data scraping of the server of the relevant institution (first route) and the chatbot interface provided to the user terminal (second route) By acquiring, it is possible to determine the user's insurance information with high accuracy.

In particular, by supplementing insurance information through a chatbot interface in addition to scraping the server of the relevant institution, insurance information that does not exist on the insurance company system after a long period of time has elapsed from the time of insurance subscription, or that the user did not directly sign up for , the user is not the policyholder) insurance information can also be grasped without omission.

Furthermore, the first insurance information is acquired through scraping of the server of the relevant institution, and then the second insurance information is acquired. As a user, only the insurance information missing from the first insurance information needs to be supplemented. This can save you the trouble of having to type it yourself. In addition, since the second insurance information is acquired using everyday language through the chatbot interface, user convenience as well as accuracy of insurance information can be greatly improved.

Meanwhile, reference may be made to FIG. 4 as an example of a user interface for acquiring the second insurance information. The user interface 220 shown in FIG. 4 may be one of the screens of an application installed in a user terminal to provide a method for acquiring insurance information based on a dual route according to the present disclosure.

More specifically, FIG. 4(a) may be a screen displayed according to reception of a user input for “add additional input” in the user interface 210 of FIG. 3, and FIG. 4(b) may be a screen displayed in FIG. 4(a) It may be a screen for displaying second insurance information obtained from the additional insurance information to the user, which is displayed as the user inputs additional insurance information in the user interface 220 of .

Referring to FIG. 4(a) , the chatbot interface may query whether or not there is insurance associated with the user using everyday language and may guide the user to input additional insurance information. For example, a query in the chatbot interface may include a message using everyday language, such as "If you have an insurance policy file or photo, please upload it."

In particular, the chatbot interface may query using an appropriate message according to the content of the user's response. For example, when an insurance policy file and/or image is received from the user (222a), the chatbot interface queries using a message such as “Do you have any more insurance policies to add?” (221b), allowing the user to Inputting two or more pieces of additional insurance information or terminating input of additional pieces of insurance information may be guided.

Alternatively, when receiving only text and/or voice such as “Yes, there is one more” from the user (222b), the chatbot interface queries using a message such as “Yes, please upload all of them” (2221c), may be guided to input additional insurance information suitable for obtaining the second insurance information.

On the other hand, if the user has completed entering additional insurance information (for example, in response to the chatbot interface's query "Do you have any more insurance policies to add?", the user has entered the text "No", etc.) , Second insurance information obtained from the additional insurance information previously input by the user may be displayed.

Referring to FIG. 4(b) , the obtained second insurance information 223 is displayed in a table form with a claim reason 223a, guaranteed content 223b, and guaranteed amount 223c as columns. can However, it is not limited thereto, and the obtained second insurance information may be displayed using any user-friendly graphic element such as a graph type, a list type, or a text type.

Meanwhile, the user interface displaying the acquired second insurance information may further include an element 224 capable of receiving a user input to provide unclaimed insurance money information based on the previously obtained insurance information. Here, the element 224 capable of receiving a user input may be, for example, a "next" button. However, it is not limited thereto.

For example, when receiving a user input for a “next” button, a user interface for generating unclaimed insurance amount information based on acquired insurance information (ie, first insurance information and second insurance information) may be displayed. A user interface for generating unclaimed insurance money information will be described in more detail below with reference to FIG. 5 .

Next, the computing device 100 may provide unclaimed insurance money information related to the user to the user terminal based at least in part on the first insurance information and the second insurance information (S130).

Unclaimed insurance money information is information about insurance money for which claims have been omitted, and can be generated based on the user's insurance information (including first insurance information and second insurance information) described above, and medical history information to be described later. .

The medical treatment history information is information about one or more medical treatments received by the user, and may include one or more medical treatment information. Each medical treatment information may include information about each medical treatment received by the user, such as medical institution, treatment course code, disease code (KCD), number of days of treatment, claim amount, and start date of treatment. However, it is not limited thereto.

Medical history information may be acquired in substantially the same way as the method of obtaining insurance information described above. In other words, the medical history information includes obtaining first medical history information from a server of a medical information related institution using a data scraping technique, and obtaining second medical history information of a user through a chatbot interface provided to a user terminal. It can be obtained through steps, ie through a double route.

Here, the medical information-related institution may include the National Health Insurance Service. That is, the user's first medical history information may be acquired through, for example, scraping of the website of the National Health Insurance Corporation.

Meanwhile, the acquiring of the second medical history information may include receiving additional medical history information of a user through a chatbot interface; extracting a keyword from additional medical history information and determining a disease code (KCD) corresponding to the extracted keyword; and acquiring second medical history information based on the determined disease code. can include

Here, the additional medical history information may include image type information, text type information, file type information, voice type information, or any other type of information. For example, the text-type additional medical history information may be a message describing the contents of medical treatment received by the user in ordinary language.

As another example, the additional medical history information of the image type may be a prescription of medical treatment received by the user, photographed through the user terminal. When additional medical history information of an image type is input, text data is obtained from the additional medical history information through optical character recognition (OCR) for the additional medical history information, and a disease code is used using keywords extracted from the obtained text data. (KCD) can be determined. The above description of the additional medical history information is only an example and does not limit the present disclosure.

5 may be referred to as an example of a user interface for acquiring medical history information. The user interfaces 230 and 240 shown in FIG. 5 may be, for example, one of the screens of an application installed in a user terminal to provide a method for acquiring insurance information based on a dual route according to the present disclosure.

More specifically, FIG. 5(a) is an example of a user interface for displaying the obtained first medical history information on a user terminal, and is related to reception of a user input for “skip” in the user interface 210 of FIG. 3 . It may be displayed according to the user interface 220 of FIG. 4 or may be a screen displayed according to reception of a user input for “next” in the user interface 220 of FIG. 4 .

Referring to FIG. 5 (a), the user interface 230 displaying the first medical history information includes a list 231 of one or more medical information items included in the first medical history information obtained through scraping, and second medical history information. It may include elements 232 and 233 capable of receiving a user input regarding whether to obtain medical history information. However, it is not limited thereto, and the user interface 230 may have more or less elements than the elements listed above.

The list 231 of one or more pieces of medical information included in the first medical history information may display payment amount information, medical institution information, and the like included in each medical information. 5(a) shows an example in which one or more pieces of medical information are sorted and displayed in the order of the date of treatment, but is not limited thereto. It can also be sorted and displayed according to prescriptions, general outpatients, etc.).

The elements 232 and 233 capable of receiving a user input regarding whether or not the second medical history information has been acquired are the elements 233 capable of receiving a user input for acquiring the second medical history information (for example, "find more medical information"). A view" button) and an element capable of receiving a user input for moving to the next step without acquiring the second medical history information (eg, a "go to insurance claim right away" button).

For example, when a user input for “go to claim insurance money” is received, a user interface for generating and providing unclaimed insurance money information based on previously obtained insurance information and first medical history information may be displayed. This will be described later in detail with reference to FIG. 6 .

Meanwhile, when a user input for "find more medical information" is received, a chatbot interface for obtaining second medical history information as shown in FIG. 5( b ) may be displayed.

Referring to FIG. 5(b) , the chatbot interface may guide the user to input additional medical history information using everyday language. In particular, the chatbot interface may communicate with the user using a message suitable for obtaining the second medical history information according to the content of the user's response.

For example, if a message such as "Hmm?? My back hurt in the year of production and I had an excision operation at the hospital" (241a) is received from the user, "waist", "resection", and/or "surgery" are received from the message. Keywords are extracted, and based on them, a disease code (KCD) corresponding to MED (Micro Endoscopic Disectomy) can be determined.

Alternatively, if the message received from the user is missing information necessary for obtaining the second medical history information, "Please select hospitalization/outpatient" (242a), "What is the hospitalization period and time you remember?" (242c) It is possible to communicate with the user using an appropriate message in order to obtain the second medical history information, such as, for example. The above description is only an example of a method of obtaining the second medical history information through the chatbot interface, and does not limit the present disclosure.

Meanwhile, the user's medical history information (and one or more medical information included therein) may have a substantially matching relationship with payment history information (and one or more payment information included therein) among the insurance information of the user described above. That is, when a user receives medical treatment, insurance money may be claimed by the user and/or the medical institution, and accordingly, payment information matching the corresponding medical treatment (and medical treatment information corresponding thereto) may be generated.

Specifically, the generating of unclaimed insurance money information may include matching treatment history information with payment history information included in the first insurance information and the second insurance information; identifying the first medical treatment information when payment information matching the first medical treatment information does not exist in the payment history information among one or more pieces of medical information included in the medical treatment history information; and generating unclaimed benefit information based at least in part on the first medical care information; can include

6 may be referred to as an example of a user interface for displaying generated unclaimed insurance money information on a user terminal. The user interface 250 shown in FIG. 6 may be, for example, one of the screens of an application installed in a user terminal to provide a method for acquiring insurance information based on a dual route according to the present disclosure.

Specifically, FIG. 6(a) may be a user interface displaying unclaimed insurance money information about a user, and FIG. 6(b) shows that when a user selects specific unclaimed insurance money information in FIG. It may be a user interface that displays detailed information about 6(b) shows an example in which detailed information on specific unclaimed insurance money information is overlaid in the form of a pop-up window 253, but is not limited thereto.

The user interface 250 for displaying unclaimed insurance money information includes unclaimed insurance money information 251a, information on the estimated amount of insurance money to be paid 251b, and an element 252 capable of receiving a user input for claiming insurance money. (refer to FIG. 6(a)), and other detailed unclaimed insurance money information, such as insurance company identification information (253a), information on the estimated amount of insurance money to be paid by insurance company (253b), and payment completion by insurance company information 253c about whether or not it is present may be included (see FIG. 6(b)). However, it is not limited thereto.

The unclaimed insurance money information 251a, when matching the medical treatment history information and the payment history information, provides medical treatment information (“first medical treatment information” in the present disclosure) for which payment information matching therewith does not exist in the payment history information. identified, and generated based at least in part on the corresponding first medical information.

For example, if the treatment information for general outpatient treatment at Nonhyeon Dental Clinic on November 1, 2019 exists in the treatment history information, but the payment information for which insurance money has been paid for that treatment does not exist in the payment history information, Nonhyeon Dental Clinic On November 1, 2019, treatment information for general outpatient treatment may be identified as first treatment information.

In addition, based on the previously obtained first insurance information and second insurance information, information on insurance company identification information 253a and expected payment amount of insurance money 251b and 253b related to the first medical treatment information may be claimed. By doing so, it is possible to generate unclaimed insurance money information corresponding to the first medical treatment information.

In other words, unclaimed insurance money information is based on first medical information identified by matching medical history information with payment history information (included in insurance information), and insurance information including the first insurance information and the second insurance information. can be created That is, in order to provide accurate unclaimed insurance money information to the user, it is essential to acquire first insurance information and second insurance information with high accuracy.

As described above, the insurance information acquisition method according to the present invention obtains the user's insurance information through a dual route, specifically, data scraping of the user's insurance information to the server of the relevant institution (ie, the first route). And by obtaining the duplicate through the chatbot interface (ie, the second route) provided to the user terminal, it is possible to determine the user's insurance information with high accuracy.

In particular, by supplementing insurance information through a chatbot interface in addition to scraping the server of the relevant institution, insurance information that does not exist on the insurance company system after a long period of time has elapsed from the time of insurance subscription, or that the user did not directly sign up for , the user is not the policyholder) insurance information can also be grasped without omission. Accordingly, the insurance information acquisition method according to the present invention can ultimately provide users with highly accurate unclaimed insurance money information.

Meanwhile, the element 252 capable of receiving a user input for claiming insurance money may be, for example, a “claim” button. The user may input an insurance claim request through the user terminal by selecting one or more pieces of unclaimed insurance money information 251a on the user interface 250 and selecting a “claim” button.

In response to receiving the user's insurance claim request, the computing device 100 may transmit claim information for processing the insurance claim request to a server of an insurance company corresponding to the corresponding unclaimed insurance money information. Claim information may include, for example, first medical information corresponding to corresponding unclaimed insurance money information, and/or certification documents that may be additionally received from the user (eg, diagnosis, hospitalization and discharge confirmation, emergency room visit, etc.) can However, it is not limited thereto.

In addition to the above-described provision of unclaimed insurance money information and/or processing of insurance claim requests, various insurance-related services may be provided to the user based on at least the first insurance information and the second insurance information obtained through the dual route.

For example, insurance recommendation information for recommending insurance products for insufficient coverage may be provided to the user based on the current status analysis information for each guarantee (see FIG. 3) based on the first insurance information and the second insurance information. . Alternatively, the user's insurance information and medical history information may be analyzed, and based on this, a customized insurance product suitable for the user may be provided.

7 is a simplified and general schematic diagram of an exemplary computing environment in which embodiments of the present disclosure may be implemented.

Although the present disclosure has been described above as being generally embodied by a computing device, those skilled in the art will understand that the present disclosure may be combined with computer-executable instructions and/or other program modules that may be executed on one or more computers and/or may be implemented in hardware and software. It will be appreciated that it can be implemented as a combination.

Computers typically include a variety of computer readable media. Computer readable media can be any medium that can be accessed by a computer, including volatile and nonvolatile media, transitory and non-transitory media, removable and non-transitory media. Includes removable media. By way of example, and not limitation, computer readable media may include computer readable storage media and computer readable transmission media. Computer readable storage media includes, but is not limited to, any other media that can be accessed by a computer and used for storing desired information.

An exemplary environment 1100 implementing various aspects of the present disclosure is shown including a computer 1102, which includes a processing unit 1104, a system memory 1106, and a system bus 1108. do. System bus 1108 couples system components, including but not limited to system memory 1106 , to processing unit 1104 . Processing unit 1104 may be any of a variety of commercially available processors. Dual processor and other multiprocessor architectures may also be used as the processing unit 1104.

System bus 1108 may be any of several types of bus structures that may additionally be interconnected to a memory bus, a peripheral bus, and a local bus using any of a variety of commercial bus architectures. System memory 1106 includes read only memory (ROM) 1110 and random access memory (RAM) 1112 . A basic input/output system (BIOS) is stored in non-volatile memory 1110, such as ROM, EPROM, or EEPROM, and is a basic set of information that helps transfer information between components within computer 1102, such as during startup. contains routines. RAM 1112 may also include high-speed RAM, such as static RAM, for caching data.

The computer 1102 also includes an internal hard disk drive (HDD) 1114 , a magnetic floppy disk drive (FDD) 1116 , and an optical disk drive 1120 . The hard disk drive 1114, magnetic disk drive 1116, and optical disk drive 1120 are connected to the system bus 1108 by a hard disk drive interface 1124, magnetic disk drive interface 1126, and optical drive interface 1128, respectively. ) can be connected to The interface 1124 for external drive implementation includes at least one or both of USB (Universal Serial Bus) and IEEE 1394 interface technologies.

These drives and their associated computer readable media provide non-volatile storage of data, data structures, computer executable instructions, and the like. In the case of computer 1102, drives and media correspond to storing any data in a suitable digital format.

A number of program modules may be stored on the drive and RAM 1112, including an operating system 1130, one or more application programs 1132, other program modules 1134, and program data 1136. All or portions of the operating system, applications, modules and/or data may also be cached in RAM 1112. It will be appreciated that the present disclosure may be implemented in a variety of commercially available operating systems or combinations of operating systems.

A user may enter commands and information into the computer 1102 through one or more wired/wireless input devices, such as a keyboard 1138 and a pointing device such as a mouse 1140. Although these and other input devices are often connected to the processing unit 1104 through an input device interface 1142 that is connected to the system bus 1108, a parallel port, IEEE 1394 serial port, game port, USB port, IR interface, may be connected by other interfaces such as the like.

A monitor 1144 or other type of display device is also connected to the system bus 1108 through an interface such as a video adapter 1146. In addition to the monitor 1144, computers typically include other peripheral output devices (not shown) such as speakers, printers, and the like.

Computer 1102 may operate in a networked environment using logical connections to one or more remote computers, such as remote computer(s) 1148 via wired and/or wireless communications. Remote computer(s) 1148 may be a workstation, computing device computer, router, personal computer, handheld computer, microprocessor-based entertainment device, peer device, or other common network node, and generally includes It includes many or all of the components described for, but for simplicity, only memory storage device 1150 is shown.

Those skilled in the art will understand that the various illustrative logical blocks, modules, processors, means, circuits, and algorithm steps described in connection with the embodiments disclosed herein are electronic hardware, (for convenience) , may be implemented by various forms of program or design code (referred to herein as software) or a combination of both. To clearly illustrate this interchangeability of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described above generally in terms of their functionality.

Various embodiments presented herein may be implemented as a method, apparatus, or article of manufacture using standard programming and/or engineering techniques. The term "article of manufacture" includes a computer program, carrier, or media accessible from any computer-readable storage device.

It is to be understood that the specific order or hierarchy of steps in the processes presented is an example of example approaches. Based upon design priorities, it is to be understood that the specific order or hierarchy of steps in the processes may be rearranged within the scope of this disclosure. The accompanying method claims present elements of the various steps in a sample order, but are not meant to be limited to the specific order or hierarchy presented.

The description of the presented embodiments is provided to enable any person skilled in the art to make or use the present disclosure. Various modifications to these embodiments will be apparent to those skilled in the art of this disclosure, and the general principles defined herein may be applied to other embodiments without departing from the scope of this disclosure. Thus, the present disclosure is not to be limited to the embodiments presented herein, but is to be interpreted in the widest scope consistent with the principles and novel features presented herein.

Claims (15)

A method for obtaining insurance information based on a double route performed by a computing device,
obtaining first insurance information of a user through a first route with a server of an insurance-related institution;
obtaining second insurance information of the user through a second route with a user terminal of the user; and
based at least in part on the first insurance information and the second insurance information, providing unclaimed insurance money information associated with the user to the user terminal;
including,
How to obtain insurance information.
According to claim 1,
Obtaining the first insurance information,
obtaining the first insurance information from a server of the insurance-related institution by using a data scraping technique;
including,
How to obtain insurance information.
According to claim 1,
Obtaining the second insurance information,
Obtaining the second insurance information from the user terminal through a chatbot interface provided to the user terminal;
including,
How to obtain insurance information.
According to claim 3,
Obtaining the second insurance information,
Transmitting, through the chatbot interface, a query on whether or not there is an insurance associated with the user, which is not included in the first insurance information, to the user terminal;
receiving additional insurance information of the user through the chatbot interface; and
acquiring the second insurance information of the user based on the additional insurance information;
including,
How to obtain insurance information.
According to claim 4,
The above additional insurance information is:
Including an insurance policy image associated with the user taken through the user terminal, or an insurance policy file associated with the user,
How to obtain insurance information.
According to claim 4,
Obtaining the second insurance information of the user based on the additional insurance information,
extracting text data from the additional insurance information through Optical Character Recognition (OCR) for the additional insurance information; and
obtaining the second insurance information based on the extracted text data;
including,
How to obtain insurance information.
According to claim 1,
The first insurance information and the second insurance information,
Including at least one of insurance company identification information, guaranteed item information, guaranteed amount information, insurance policy information, and payment history information related to the insurance of which the user is the insured.
How to obtain insurance information.
According to claim 7,
Providing unclaimed insurance money information associated with the user to the user terminal,
acquiring medical treatment history information of the user, wherein the medical treatment history information includes one or more medical treatment information;
matching the treatment history information with the payment history information included in the first insurance information and the second insurance information, wherein the payment history information includes one or more payment information;
identifying the first medical treatment information when payment information matching the first medical treatment information among the medical treatment information does not exist in the payment history information; and
generating the unclaimed insurance benefit information based at least in part on the first medical treatment information;
including,
How to obtain insurance information.
According to claim 8,
The unclaimed insurance amount information,
Including information on the insurance company identification information that can claim insurance money related to the first treatment information and information on the expected amount of insurance money to be paid,
How to obtain insurance information.
According to claim 8,
Obtaining the user's medical history information,
obtaining first medical history information of the user from a server of a medical treatment information related institution by using a data scraping technique; and
obtaining second medical history information of the user through a chatbot interface provided to the user terminal;
including,
How to get insurance information.
According to claim 10,
Obtaining the second medical history information of the user,
receiving additional medical history information of the user through the chatbot interface;
extracting a keyword from the additional medical history information and determining a disease code (KCD) corresponding to the extracted keyword; and
acquiring the second medical history information based on the determined disease code;
including,
How to obtain insurance information.
According to claim 1,
receiving the user's insurance claim request regarding the unclaimed insurance money information through the user terminal; and
Transmitting claim information for processing the insurance claim request to a server of an insurance company corresponding to the unclaimed insurance payment information;
Including more,
How to obtain insurance information.
According to claim 1,
providing insurance recommendation information to the user terminal based on the first insurance information and the second insurance information;
Including more,
How to obtain insurance information.
A computer program stored on a computer-readable storage medium, the computer program comprising instructions for performing a method for acquiring insurance information based on a dual route when executed by one or more processors of a computing device, the instructions comprising:
obtaining first insurance information of a user through a first route with a server of an insurance-related institution;
obtaining second insurance information of the user through a second route with a user terminal of the user; and
based at least in part on the first insurance information and the second insurance information, providing unclaimed insurance money information associated with the user to the user terminal;
including,
A computer program stored on a computer readable storage medium.
A computing device performing a dual route-based insurance information acquisition method, the computing device comprising:
a processor comprising one or more cores; and
network unit;
including,
The processor:
Obtaining the user's first insurance information through the first route with the server of the insurance-related institution;
obtaining second insurance information of the user through a second route with the user terminal of the user; and
Based at least in part on the first insurance information and the second insurance information, providing unclaimed insurance money information associated with the user to the user terminal,
A computing device that performs a method for acquiring insurance information based on a dual route.

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