KR20230001849A - Method for REQUESTING INSURANCE - Google Patents

Abstract

According to an embodiment of the present disclosure, in an insurance claim method performed by a computing device, the method includes the steps of: obtaining payment history information of a first user; and providing an insurance claim-related notification to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user, based on the payment history information.

Description

Insurance claim method {Method for REQUESTING INSURANCE}

The present disclosure relates to an insurance claim method, and specifically, to a method of claiming a user's insurance money without omission.

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 are released, it is common for one consumer to subscribe to multiple insurance products, but due to the hassle of insurance claim procedures, the unclaimed rate of indemnity insurance subscribers is found to reach 47.5% (Financial Services Commission) and the Ministry of Health and Welfare joint survey (conducted in December 2018)).

Companies that provide insurance claim notifications or automatic insurance claim services to consumers are emerging, but these services are usually provided based on the data of the National Health Insurance Service, which stores only the consumer's payroll medical records, so insurance claim for non-covered treatment is provided. , or insurance claim for treatment incorrectly recorded as non-reimbursed treatment by the hospital, even though it is a reimbursed treatment, can easily be omitted, and as a result, the accuracy of the service cannot be guaranteed.

Accordingly, there is a demand in the art for an insurance claim method in which consumers can more accurately and conveniently claim insurance money without omission.

Republic of Korea Patent Publication No. 2021-0049382

The present disclosure has been made in response to the above background art, and relates to an insurance claim method.

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.

An insurance claim method performed by a computing device for solving the above problem, the method comprising: obtaining payment history information of a first user; and providing an insurance claim-related notification to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user, based on the payment history information. can include

A computer program stored in a computer readable storage medium for solving the above problems, the computer program comprising instructions for performing an insurance claim method when executed by one or more processors of a computing device, the instructions comprising: 1 Acquiring user's payment history information; and providing an insurance claim-related notification to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user, based on the payment history information. can include

A computing device for performing an insurance claim method for solving the above problem, the computing device comprising: a processor including one or more cores; and network unit; wherein the processor: obtains payment history information of a first user through the network unit, and based on the payment history information, a first user terminal of the first user and a second user terminal different from the first user; An insurance claim-related notification may be provided to at least one of the user's second user terminals.

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, an insurance claim method 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 an insurance claim method according to some embodiments of the present disclosure.
2 is a flowchart for providing an insurance claim method according to some embodiments of the present disclosure.
3 is a flowchart for providing notification related to an insurance claim according to an embodiment of the present disclosure.
4 is a diagram illustrating a user interface providing a notification related to an insurance claim according to an exemplary embodiment of the present disclosure.
5 is a flowchart for providing notification related to an insurance claim according to another embodiment of the present disclosure.
6 is a diagram exemplarily illustrating a user interface providing a notification related to an insurance claim according to another embodiment of the present disclosure.
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.

References to “embodiment,” “example,” “aspect,” “exemplary,” etc., as used herein, should not be construed as indicating that any aspect or design described is preferable to or advantageous over other aspects or designs. .

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 “payment history information” may be used as a term meaning information about a history of payment of medical expenses by a first user. Here, the payment history information may include one or more payment information. Each payment information may include at least payment time information about the time of payment, payment institution information about a payment institution (a specific hospital, clinic, pharmacy, etc.), and/or payment amount information. For example, the arbitrary payment information includes information that the first user paid 3,000 won at the Anse Pharmacy (ie, payment institution information) on October 11, 2019 (ie, payment time information) (ie, payment amount information) can do.

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

Specifically, in the present disclosure, the first payment history information is payment history information acquired through a first route with a server of a financial institution (eg, one or more credit card companies, Korea Credit Information Service, etc.), and second payment history information. Information may be used as a term meaning payment history information obtained through the second route with the user terminal.

In the present disclosure, the term "insurance claim related notification" may be used as a term meaning a notification provided to a user terminal for the purpose of making an insurance claim.

For example, an insurance claim-related notice is information that guides you through the process and/or required supporting documents for making a claim, information that guides insurance companies that can make a claim and expected insurance payout amount, or insurance claim for specific payment information. It may be a query to confirm whether or not to claim, or a notification (push notification, etc.) notifying that an insurance claim is possible or necessary. Various embodiments of insurance claim-related notifications will be described later in more detail with reference to FIGS. 3 to 6 .

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 the date and time of treatment, 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 and paid 3,000 won on October 11, 2019, and received general outpatient treatment at Nonhyeon Dental Clinic on July 5, 2020 and paid 9,000 won. medical information may be included.

Meanwhile, in the present disclosure, medical history information may be obtained through a first route with a server of a medical information-related institution (eg, National Health Insurance Corporation, etc.) and/or a second route with a user terminal. can

Meanwhile, the user's medical history information (and one or more medical information included therein) may have a substantially matching relationship with the previously described user's payment history information (and one or more payment information included therein). That is, when a user receives medical treatment, medical expenses may be paid by the user, and accordingly, medical expense payment information matched to the corresponding medical treatment may be generated.

However, the user's medical history information may not completely match the user's payment history information. For example, when a user receives non-insured medical treatment, medical expense payment information for the corresponding medical treatment is generated, but a record of the corresponding medical treatment may not be generated in a server of an institution related to medical treatment information. Alternatively, if a user receives reimbursed treatment but the medical institution erroneously records it as non-covered treatment, medical bill payment information for the corresponding treatment is created, but a record of the corresponding treatment may not be created in the server of the medical treatment information-related institution. Alternatively, when the first user pays for treatment of another person, such as a family member ("second user" in this disclosure), payment information for the first user is generated, but the server of the institution related to the treatment information Only medical information of the second user, not medical information of the second user, may be generated.

In this way, even when the user's medical history information does not match the payment history information, the above-described insurance claim related notification may be provided to the user so that the user's insurance claim is not omitted.

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 obtaining first payment history information from a server of a financial-related institution and/or for the purpose of obtaining medical history information from a server of a medical-related institution. For example, first payment history information of a user may be acquired through scraping of each website of one or more credit card companies, and medical history information of the user may be acquired through scraping of the website of the National Health Insurance Corporation. . 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 payment history information. For example, a query using everyday language regarding the existence of medical expenses paid by the user, which are not included in the first payment history information, may be transmitted to the user terminal, and a response to the query (in the present disclosure, “additional payment history”) information") may be received, and based on this, second payment history information may be obtained.

In addition, in the present disclosure, the chatbot interface may be provided to a user terminal and used for the purpose of obtaining medical history information. For example, it is possible to transmit a query using everyday language about whether there is a medical history that the user has received, which is missing from medical history information obtained through data scraping, to the user terminal, and a response to the inquiry is received and based thereon. Thus, additional treatment history information can be acquired. The foregoing is merely an example and does not limit the present disclosure.

1 is a block diagram illustrating a computing device providing an insurance claim method 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 user with an insurance claim method. For example, the user terminal may be a terminal in which a program for providing an insurance claim method is stored in the memory 130, or a program for receiving an insurance claim related notification from a server providing an insurance claim method is stored in the memory 130. It may be a stored terminal.

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 an insurance claim method according to some embodiments of the present disclosure. For example, the network unit 110. The user's first payment history information may be received by communicating with a server of a financial-related institution, and/or the user's medical treatment history information may be received by communicating with a server of a medical-related institution.

In addition, when the computing device 100 for providing the insurance claim method according to the present disclosure is a server, the network unit 110 may communicate with the user terminal and transmit/receive data. For example, the network unit 110 transmits first payment history information and/or medical history information to a user terminal, second payment history information and/or medical history information that can be acquired from a user terminal, or generates them. A user input for doing so may be received, or a notification related to an insurance claim generated based on the payment history information and the medical history information may be transmitted to the user terminal. 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 controls at least some of the components of the computing device 100 in order to drive an application program stored in the memory 130 (eg, an application program related to providing an insurance claim method), and / or at least two or more may be controlled to operate in combination with each other.

The processor 120 may read the computer program stored in the memory 130 to provide an insurance claim method according to an embodiment of the present disclosure. For example, the processor 120 according to an embodiment of the present disclosure obtains first payment history information through a first route with a server of a financial institution, and an interface unit (not shown) provided in a user terminal Second payment history information may be generated through a second route receiving a user input through . In addition, the processor 120 determines to provide an insurance claim-related notification to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user based on the above-described payment history information. And, it is possible to output an insurance claim-related notification through a display unit (not shown) provided in the user terminal. 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 an insurance claim method. In addition, the memory 130 of the present disclosure stores first payment history information and/or medical treatment history information received through the network unit 110 or user received through an interface unit (not shown) provided in the user terminal. Input and/or storing the second payment history information and/or medical history information generated by the processor 120 based thereon, or based on the above-described payment history information, among the first user terminal and the second user terminal In order to be provided to at least one, the notification generated by the processor 120 and/or provided to at least one of the first user terminal and the second user terminal 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 an insurance claim method according to some embodiments of the present disclosure.

Referring to FIG. 2 , an insurance claim method according to some embodiments of the present disclosure may include obtaining payment history information of a first user; and providing an insurance claim-related notification to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user based on the payment history information. can include However, the above-described components are not essential for implementing the insurance claim method, so the insurance claim method may have more or fewer components than the components listed above.

First, the computing device 100 may obtain payment history information of the first user (S210).

Acquiring payment history information of a first user may include: obtaining first payment history information of the first user through a first route with a server of a financial institution; and acquiring second payment history information of the first user through a second route with the first user terminal. can include

In the present disclosure, a route may refer to a method of obtaining data or a communication path between two or more entities obtaining data.

More specifically, the first payment history information of the first user may be obtained from a server of a financial institution using a data scraping technique.

That is, in this case, 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) obtaining the first payment history information according to the present disclosure and a financial institution. .

Here, the financial-related institution refers to an entity that stores, manages, or processes financial information. For example, the financial-related institution may be at least one of one or more credit card companies or the Korea Credit Information Service. That is, the first payment history information of the first user may be obtained by collecting information on the payment history of the first user through scraping of one or more credit card companies and/or distributed websites such as the Korea Credit Information Service.

Meanwhile, the second payment history information of the first user may be obtained from the first user terminal through a chatbot interface provided to the first user terminal. However, the present invention is not limited thereto, and the second payment history information may be obtained from the user terminal through a text-based user interface and/or a graphical 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) obtaining second payment history information according to the present disclosure and a user interface provided to the user terminal or a data acquisition method. can mean

Specifically, acquiring the second payment history information may include acquiring additional payment history information of the first user through a chatbot interface; Extracting text data for additional payment history information through Optical Character Recognition (OCR) for the additional payment history information; and acquiring second payment history information based on the extracted text data. can include

Here, the additional payment history information may include image type information, text type information, file type information, voice type information, or any other type of information.

For example, additional payment history information of an image type may be an image of a medical expense payment receipt captured through the first user terminal. In this case, text data may be extracted from the receipt image through OCR on the image of the medical expense payment receipt received through the chatbot interface, and second payment history information may be obtained based on the extracted text data.

Here, the text data extracted through OCR may include payment time information, payment institution information, payment amount information, etc. included in the corresponding receipt image (ie, additional payment history information), and the extracted information is combined 2 Payment history information can be obtained.

However, it is not limited to this, and if additional payment history information of text type or voice type information is obtained (for example, a message such as “I received treatment at Nonhyeon Dental Clinic about a month ago and paid about 10,000 won” is input through the chatbot interface ), keywords such as “a month ago”, “Nonhyeon dental clinic”, and 10,000 won” may be extracted from the corresponding additional payment history information, and the second payment history information may be obtained by combining them.

Next, the computing device 100 notifies at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user based on the payment history information of the first user. may be provided (S220).

3 and 4 may be referred to as an embodiment of a notification related to an insurance claim.

3 is a flowchart for providing notification related to an insurance claim according to an embodiment of the present disclosure.

4 is a diagram illustrating a user interface providing a notification related to an insurance claim according to an exemplary embodiment of the present disclosure.

According to an embodiment of the present disclosure, when the first payment information included in the payment history information of the first user does not match the medical treatment history information of the first user, the insurance claim-related notification is related to the first payment information. It may be a notification provided for the purpose of making a claim for insurance money.

For example, when a user receives non-insured medical treatment, payment information for the corresponding medical treatment is generated, but treatment information for the corresponding medical treatment may not be generated in the server of the institution related to the medical treatment information. Alternatively, when a user receives paid medical treatment but the medical institution incorrectly records it as non-covered medical treatment, payment information for the corresponding medical treatment is generated, but treatment information for the corresponding medical treatment may not be generated in the server of the medical treatment information-related institution. Alternatively, when the first user pays for treatment of another person, such as a family member ("second user" in this disclosure), payment information for the first user is generated, but the server of the institution related to the treatment information Only medical information of the second user, not medical information of the second user, may be generated.

In this way, even when the user's medical history information does not match the payment history information, an insurance claim-related notification may be provided to the user so that the user's insurance claim is not omitted.

In this case, the notification related to the insurance claim may include a query for confirming whether the first payment information is generated according to medical treatment received by the first user or by a second user different from the first user, In addition, information for the first user or the second user to claim insurance money for medical treatment related to the corresponding first payment information may be included.

First, referring to FIG. 3 , a method for providing a notification related to an insurance claim according to an embodiment of the present disclosure includes obtaining medical history information of a first user; matching payment history information of a first user with medical treatment history information; identifying first payment information when medical treatment information matching the first payment information included in the payment history information does not exist in the medical treatment history information; determining which one of the first user's medical treatment and the second user's medical treatment is associated with the first payment information; and providing an insurance claim related notification to at least one of the first user terminal and the second user terminal based at least in part on the first payment information; can include

First, the computing device 100 may obtain medical history information of a first user (S310).

The medical treatment history information is information about one or more medical treatments received by the first user, and may include one or more medical treatment information. Each treatment information may include information on each treatment received by the first user, for example, information such as treatment time information, treatment institution information, treatment course code, disease code (KCD), number of days of treatment, claim amount, and start date of treatment. can

Medical history information may be obtained in substantially the same way as the payment history information described above. In other words, the medical history information can be obtained using a data scraping technique from a server of a medical information-related institution (eg, National Health Insurance Corporation), and through a chatbot interface provided to a user terminal, that is, through a double route can be obtained through

In particular, in the case where medical history information is obtained through a chatbot interface provided to a user terminal, the user may input information about the medical treatment received by the user using everyday language, and the computing device 100 may input the information entered by the user. By extracting keywords from information and determining a disease code (KCD) corresponding to the extracted keywords, it is possible to obtain medical history information from information input by a user in everyday language.

Next, the computing device 100 may match the payment history information of the first user with medical treatment history information (S320).

The first user's payment history information (and one or more payment information included therein) may have a substantially matched relationship with the first user's medical treatment history information (and one or more medical treatment information included therein). That is, when the first user receives medical treatment, medical expenses may be paid by the first user, and accordingly, payment information matched with the medical treatment may be generated.

In this case, the payment history information and the medical treatment history information may be matched based on, for example, at least one of payment time information and payment institution information included in each payment information. More specifically, it may be determined whether medical information matching payment time information included in each payment information, ie, medical treatment information having treatment time information matching payment time information, exists in the medical history information. Alternatively, it may be determined whether medical information matching the payment institution information included in each payment information, that is, medical treatment information having the medical institution information matching the payment institution information exists in the medical history information.

For example, in order to match payment information for paying 10,000 won on November 1, 2019 (ie, payment time information) at Nonhyeon Dental Clinic (ie, payment institution information) with treatment history information, Nonhyeon Dental Clinic (ie, treatment institution information), it is possible to determine whether medical treatment information received on November 1, 2019 (ie, medical treatment time information) exists in the medical history information. The foregoing is merely an example and does not limit the present disclosure.

Next, the computing device 100 may identify the first payment information when the medical treatment information matching the first payment information among the payment information does not exist in the medical treatment history information (S330).

For example, referring to the above example, the payment information for paying 10,000 won on November 1, 2019 at Nonhyeon Dental Clinic is present in the payment history information, but the treatment information matching it, for example, Nonhyeon Dental Clinic on November 1, 2019 When treatment information received for treatment does not exist in the treatment history information, payment information for paying 10,000 won at Nonhyeon Dental Clinic on November 1, 2019 may be identified as first payment information. The foregoing is merely an example and does not limit the present disclosure.

Next, the computing device 100 may determine which of the first user's medical treatment and the second user's medical treatment is associated with the identified first payment information (S340).

The step of determining which of the first user's medical treatment and the second user's medical treatment is related to the first payment information may include transmitting a query about the first payment information to the first user terminal, and responding to the query by the first user. Based on the response, it may include determining which one of the first user's medical treatment and the second user's medical treatment is associated with the first payment information.

For example, for the first payment information that does not match the medical history information, the computing device 100 determines whether the first payment information is generated according to the non-covered medical treatment received by the first user or generated according to the medical treatment received by the second user. The first user may be queried as to whether the medical expenses are generated when the first user pays for them instead.

When the first user responds to the query that the first payment information is generated according to the non-covered medical treatment received by the first user, the computing device 100 determines that the first payment information is related to the medical treatment of the first user. can do. Alternatively, when the first user responds to the query that the first payment information is generated according to medical treatment received by the second user (eg, a family member of the first user), the computing device 100 It may be determined that the payment information is related to medical treatment of a second user different from that of the first user.

The above-described query and / or response (ie, the query and / or response for determining which of the first user's medical treatment and the second user's medical treatment is related to the first payment information) is provided through, for example, the first user terminal This can be done through a chatbot interface. That is, the queries and/or responses described above may be provided and/or received using common language.

For example, the computing device 100, when the first payment information for paying 10,000 won at Nonhyeon Dental Clinic on November 1, 2019 is identified, “The record of payment at Nonhyeon Dental Clinic on November 1, 2019 has been confirmed. Check whether it is medical treatment and receive insurance benefits." may be provided to the first user terminal through the chatbot interface. In response to this query, the first user may input a response such as “Yes, this is the treatment I received directly” or “This is not the treatment I received” through the chatbot interface.

However, it is not limited to this, and the step of determining which of the first user's medical treatment and the second user's medical treatment is related to the first payment information is an arbitrary interface such as a text-based interface or a graphic interface (GUI) rather than a chatbot interface It can also be done through Alternatively, the step of determining which of the first user's medical treatment and the second user's medical treatment is related to the first payment information may be automatically performed without providing an inquiry and/or receiving a response. For example, if payment information similar to the first payment information exists in the payment history information of the first user (referring to the above example, another payment information paid at Nonhyeon Dental Clinic is one or more payment history information of the first user exists), the computing device 100 may automatically determine that the first payment information is related to the medical treatment of the first user. The foregoing description of the various methods for determining which of the first user's medical treatment and the second user's medical treatment is associated with the first payment information is only an example and does not limit the present disclosure.

Next, the computing device 100 provides an insurance claim-related notification to the first user terminal when the first payment information is associated with medical treatment of the first user, and when the first payment information is associated with medical treatment of the second user. , It is possible to provide a notification related to insurance claims to the second user terminal (S350).

For example, in response to a first query about which of the first user's medical treatment and the second user's medical treatment the first payment information is related to, the first user responds that the first payment information is generated according to the non-covered medical treatment directly received. In this case, the computing device 100 may determine that the first payment information is related to medical treatment of the first user.

In this case, the computing device 100 may provide an insurance claim related notification to the first user terminal. In this case, the insurance claim-related notification may include information for the first user to claim insurance money for medical treatment related to the first payment information.

For example, insurance claim-related notifications include information on procedures and/or necessary proof documents for claiming insurance money for treatment related to the first payment information, insurance companies that can claim insurance money for treatment related to the first payment information, and It may be information about an expected insurance payment amount, or to confirm to the first user whether or not to claim insurance money for treatment related to the first payment information, or to request insurance money for treatment related to the first payment information. may be announcing

Or, as the first user pays for the medical treatment received by the second user with the first payment information in response to the first query regarding which of the medical treatment of the first user and the medical treatment of the second user the first payment information is related to. When responding that it is generated, the computing device 100 may determine that the first payment information is related to medical treatment of a second user different from that of the first user.

In this case, the computing device 100 may provide an insurance claim-related notification to the second user terminal, and/or provide a preceding notification to the first user terminal to provide an insurance claim-related notification to the second user terminal. there is. In this case, the insurance claim-related notification may include information for the second user to claim insurance money for medical treatment related to the first payment information. In this case, the information that can be included in the notification related to insurance claims has been described in detail in the description of the notification related to insurance claims that can be provided to the first user terminal, and the description thereof is omitted here to avoid redundancy.

On the other hand, providing a preceding notification to the first user terminal in order to provide a notification related to insurance claims to the second user terminal is, for example, seeking consent from the first user to provide notification related to insurance claims to the second user terminal. can For example, a notification such as “Check the insurance benefits of family members” may be provided to the first user terminal.

In this regard, reference may be made to FIG. 4 . 4 may be an example of a user interface 310 that provides a preceding notification to a first user terminal in order to provide a notification related to an insurance claim to a second user terminal.

Referring to FIG. 4 , the computing device 100 may provide a notification such as “Check the insurance benefits of family members” 311 to the first user terminal, and according to the first user's response (eg, For example, “go to check”) Provides insurance claim-related notifications to the second user terminal, or provides necessary information (identification information of the second user, contact information, etc.) to provide insurance claim-related notifications to the second user terminal. 1 You may query the user terminal. The foregoing is merely an example and does not limit the present disclosure.

In this way, by matching the first user's payment history information and medical treatment history information and providing insurance claim-related notifications, consumers including the first user and the second user can claim insurance money for the treatment they have received without omission. can induce Furthermore, the insurance company can secure new customers such as the second users by providing services to the first users who are existing customers.

Meanwhile, reference may be made to FIGS. 5 and 6 as another embodiment of notification related to an insurance claim.

5 is a flowchart for providing notification related to an insurance claim according to another embodiment of the present disclosure.

6 is a diagram exemplarily illustrating a user interface providing a notification related to an insurance claim according to another embodiment of the present disclosure.

According to another embodiment of the present disclosure, when the payment information most recently obtained for the first user deviate from the payment pattern of the first user, the notification related to the insurance claim is sent to the medical treatment associated with the most recently obtained payment information. It may be a notification provided for the purpose of causing an insurance claim to be made.

Referring to FIG. 5 , a method for providing a notification related to an insurance claim according to another embodiment of the present disclosure includes generating a payment pattern of a first user based on the payment history information; comparing payment information most recently obtained for the first user with a payment pattern; And based on the comparison result, providing a notification related to the insurance claim to a first user terminal; can include

First, the computing device 100 may generate a first user's payment pattern based on the first user's payment history information (S410).

The first user's payment pattern may be generated by analyzing the first user's payment history information obtained through the dual route described in FIG. 2 . The processor 120 may learn payment history information based on, for example, machine learning, and generate one or more payment patterns for the first user. For example, if one or more payment information for paying 10,000 won at Nonhyeon Dental Clinic every week for 6 months is included in the payment history information of the first user, the first user who pays 10,000 won at Nonhyeon Dental Clinic every week from the payment history information You can create a payment pattern. The foregoing is merely an example and does not limit the present disclosure.

Next, the computing device 100 may compare payment information most recently obtained for the first user with a payment pattern (S420).

Referring to the above example, for the first user having a payment pattern of paying 10,000 won at Nonhyeon Dental Clinic every week, payment information for paying 60,000 won at Nonhyeon Dental Clinic can be obtained (ie, the most recently obtained payment Information). In this case, the computing device 100 may compare the payment information most recently obtained for the first user with the payment pattern of the first user, and the payment information most recently obtained for the first user may be compared with the payment pattern of the first user. You can decide whether or not to break the pattern.

For example, first amount information on a payment pattern is compared with second amount information on the most recently obtained payment information, and when the first amount information and the second amount information are different from each other, the most recently acquired first user It can be determined that the received payment information is out of the payment pattern. Alternatively, when the difference between the first amount information and the second amount information exceeds a preset threshold, it may be determined that the most recently obtained payment information of the first user is out of a payment pattern.

Meanwhile, in this case, the first amount information about the payment pattern is the average value, maximum value, median value, minimum value, or mode value of each amount information of one or more pieces of payment information that generated the payment pattern, or It may be an arbitrary representative value calculated from amount information of each of one or more pieces of payment information. For example, in the above example, the first amount of money information on the payment pattern of the first user may be 10,000 won.

Next, the computing device 100 may provide an insurance claim-related notification to the first user terminal based on the comparison result (S430).

For example, the computing device 100 may provide an insurance claim related notification to the first user terminal based on a comparison result indicating that the most recently obtained payment information is out of a payment pattern.

In this case, the notification related to the insurance claim compares the first amount information related to the payment pattern and the second amount information related to the most recently obtained payment information, and the difference between the first amount information and the second amount information obtained through the comparison It may include information for claiming insurance money for the amount.

More specifically, in this case, the insurance claim-related notification may be to inform the first user that a payment outside the payment pattern has occurred and that additional insurance money can be claimed for this, and/or a difference amount from the payment pattern ( Referring to the above example, the difference amount may be 50,000 won) to provide information on insurance products that can be guaranteed, information on insurance companies that can claim insurance money, or information on expected insurance money payments. can However, it is not limited thereto.

In this regard, reference may be made to FIG. 6 . 6 may be an example of a user interface 320 providing a notification related to an insurance claim to a first user terminal based on a comparison between a payment pattern of a first user and payment information most recently obtained for the first user. .

Referring to FIG. 6 , the computing device 100, based on the comparison result that the most recently acquired payment information is out of the payment pattern, sends a message to the first user terminal, “The medical expense pattern has changed. If you have an additional disease, we will analyze the insurance you will be covered” (321).

In addition, according to the first user's response to the notification (eg, “search”), insurance money related to the difference between the first amount information and the second amount information, for example, insurance money for additional diseases can be claimed We can analyze and provide information about insurance.

In this way, by providing an insurance claim-related notification based on a payment pattern generated by analyzing payment history information of the first user, it is possible to induce the first user to claim insurance money without omission for additional medical treatment received by the first user. Furthermore, when an additional disease occurs to the first user, an insurance product for guaranteeing the additional disease may be recommended to the first user, and thus an insurance company may induce a new subscription to an insurance product.

In FIGS. 4 and 6, an example in which an insurance claim-related notification is provided in the form of a messenger message is shown, but is not limited thereto. For example, a notification related to an insurance claim may be provided in the form of a pop-up notification or a push notification on a display of a user terminal through an application installed in the user terminal. And/or, notification related to insurance claims may be provided along with notifications such as sound or vibration.

Meanwhile, the insurance claim method according to the present disclosure and the notification related to the insurance claim provided through the method may be provided in real time as soon as the user pays medical expenses (ie, as soon as new payment information is obtained for the user), or to the user. It may be provided periodically according to a period set by an insurance company or a predetermined period (eg, payment history information and/or medical treatment history information for a user is collected on a monthly basis). However, it is not limited thereto.

In addition to the aforementioned examples of insurance claim-related notifications, various insurance claim-related notifications may be provided to the user based on the user's payment history information and/or medical treatment history information. For example, it may recommend an insurance product for insufficient coverage to the user, provide a customized insurance product suitable for the user, or provide health care information on the user's medical treatment or disease as an insurance claim-related notification.

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.

A computer typically includes 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 to store 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 (13)

An insurance claim method performed by a computing device, comprising:
obtaining payment history information of a first user; and
providing an insurance claim-related notification to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user, based on the payment history information;
including,
How to claim insurance money.
According to claim 1,
Obtaining payment history information of the first user,
obtaining first payment history information of the first user through a first route with a server of a financial institution; and
obtaining second payment history information of the first user through a second route with the first user terminal;
including,
How to claim insurance money.
According to claim 2,
Obtaining the first payment history information,
obtaining the first payment history information from a server of the financial institution by using a data scraping technique;
including,
Obtaining the second payment history information,
obtaining the second payment history information from the first user terminal through a chatbot interface provided to the first user terminal;
including,
How to claim insurance money.
According to claim 3,
Obtaining the second payment history information,
obtaining additional payment history information of the first user through the chatbot interface;
extracting text data for the additional payment history information through Optical Character Recognition (OCR) for the additional payment history information; and
obtaining the second payment history information based on the extracted text data;
including,
The additional payment history information,
Including a receipt image taken through the first user terminal,
How to claim insurance money.
According to claim 1,
The step of providing a notification related to the insurance claim,
acquiring medical history information of the first user, wherein the medical history information includes one or more medical records;
matching the payment history information with the medical history information, wherein the payment history information includes one or more payment information;
identifying the first payment information when the medical treatment information matching the first payment information among the payment information does not exist in the treatment history information; and
providing an insurance claim related notification to at least one of the first user terminal and the second user terminal based at least in part on the first payment information;
including,
How to claim insurance money.
According to claim 5,
The step of matching the payment history information with the medical history information,
Based on at least one of payment time information or payment institution information included in each of the one or more payment information, determining whether medical information matching each of the one or more payment information exists in the medical history information,
How to claim insurance money.
According to claim 5,
The notification related to the insurance claim,
Including information for claiming insurance money for treatment associated with the first payment information,
How to claim insurance money.
According to claim 5,
Based on the first payment information, providing an insurance claim-related notification to at least one of the first user terminal and the second user terminal,
determining which of the first user's medical treatment and the second user's medical treatment is associated with the first payment information; and
When the first payment information is associated with the medical treatment of the first user, the first user terminal is provided with a notification related to the insurance claim, and when the first payment information is associated with the medical treatment of the second user, the second Providing a notification related to the insurance claim to a user terminal;
including,
How to claim insurance money.
According to claim 8,
The step of determining which of the first user's medical treatment and the second user's medical treatment is related to the first payment information,
An inquiry about the first payment information is transmitted to the first user terminal, and based on a response of the first user to the inquiry, which one of the first user's medical treatment and the second user's medical treatment is associated with? to judge,
How to claim insurance money.
According to claim 1,
The step of providing a notification related to the insurance claim,
generating a payment pattern of the first user based on the payment history information;
comparing payment information most recently obtained for the first user with the payment pattern; and
Based on the comparison result, providing a notification related to the insurance claim to the first user terminal;
including,
How to claim insurance money.
According to claim 10,
The notification related to the insurance claim,
Comparing the first amount information on the payment pattern with the second amount information on the most recently acquired payment information, and for a difference amount between the first amount information and the second amount information obtained through the comparison including information for claiming insurance money;
How to claim insurance money.
A computer program stored on a computer readable storage medium, the computer program comprising instructions that when executed by one or more processors of a computing device cause performing an insurance claim method, the instructions comprising:
obtaining payment history information of a first user; and
providing an insurance claim-related notification to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user, based on the payment history information;
including,
A computer program stored on a computer readable storage medium.
A computing device that performs an insurance claim method, the computing device comprising:
a processor comprising one or more cores; and
network unit;
including,
The processor:
obtaining payment history information of a first user through the network unit; and
Based on the payment history information, providing a notification related to insurance claims to at least one of a first user terminal of the first user and a second user terminal of a second user different from the first user,
A computing device that performs an insurance claim method.

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