TWM549393U - Device and system for insurance claim - Google Patents
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Description
本新型屬於保險理賠領域，特別是一種理賠作業裝置，以及含所述裝置的理賠作業系統。 The present invention belongs to the field of insurance claims, in particular to a claim operation device, and a claims operation system including the device.
傳統的保險理賠作業流程複雜且繁瑣，理賠作業流程除了填寫相關基本資料外，為因應理賠類型不同，還需要提供相對應的文件及資訊。在理賠案件處理過程，常因資訊填寫不正確或文件提供不完全，導致需要再次補件的狀況發生，不僅造成客戶困擾，亦降低保險公司辦理理賠業務的效率。再者，在目前報案的過程中亦存在著許多問題，於理賠過程中報案登記輸入過程為理賠流程的關鍵，若登打不完善或事故態樣選擇錯誤，都將影響案件系統分流，提供錯誤的資訊往往導致文件需來往寄送，影響客戶權益。 The traditional insurance claims operation process is complicated and cumbersome. In addition to filling in the relevant basic information, the claims operation process needs to provide corresponding documents and information in response to different types of claims. In the processing of claims cases, often due to incorrect information filling or incomplete documentation, the need for re-fixing occurs, which not only causes problems for customers, but also reduces the efficiency of insurance companies in handling claims. Furthermore, there are still many problems in the current reporting process. In the process of claim settlement, the process of registration and input is the key to the settlement process. If the registration is not perfect or the accident is wrong, the system will be affected and the error will be provided. The information often leads to documents to be sent and received, affecting customer rights.
此外，保險種類繁多也使得相對應的理賠程序更加複雜繁瑣，目前大多以書面紙本管理管理各種類型的理賠案件，保險公司於案件理賠管理上耗費相當大的人力成本，至今仍無法有效提升案件管理效率。 In addition, the wide variety of insurances makes the corresponding claims procedures more complicated and cumbersome. At present, most of them manage and manage various types of claims in written paper. Insurance companies spend considerable labor costs on case claims management, and still cannot effectively improve the case. Management efficiency.
有鑑於此，本領域亟需一種改良的理賠作業系統，以改善先前技術的不足。 In view of this, there is a need in the art for an improved claims operating system to improve the deficiencies of the prior art.
新型內容旨在提供本揭示內容的簡化摘要，以使閱讀者對本揭示內容具備基本的理解。此新型內容並非本揭示內容的完整概述，且其用意並非在指出本新型實施例的重要/關鍵元件或界定本新型的範圍。 The novel content is intended to provide a simplified summary of the disclosure in order to provide a basic understanding of the disclosure. This Summary is not an extensive overview of the disclosure, and is not intended to identify key/critical elements of the novel embodiments or the scope of the invention.
金融科技時代來臨，為提升保險理賠的便利性，簡化過去繁瑣的理賠複雜程序，本新型的一態樣提出一種理賠作業裝置，此種理賠作業裝置可與伺服器通訊連通。所述理賠作業裝置可用以建立理賠案件，進行案件分類，讓使用者能夠快速且準確執行理賠業務，即時上傳理賠案件，有效進行案件分流，簡化傳統紙本作業流程，提升理賠作業效率。具體而言，所述理賠作業裝置包括顯示模組、輸入模組、記憶體和處理器；上述元件彼此電性耦接，其中所述記憶體儲存有一電腦可讀取指令，且所述處理器用以執行電腦可執行指令，以進行以下步驟：(a)建立一理賠申請表於該顯示模組上；(b)利用該輸入模組輸入一事故資訊至該理賠申請表中；(c)基於該事故資訊產生相對應的至少一簽名文件於該顯示模組上；(d)經由該輸入模組接收一電子簽名並定位至該簽名文件的一指定位置中；以及(e)合併該理賠申請表和該簽名文件產生一理賠案件。 With the advent of the financial technology era, in order to improve the convenience of insurance claims and simplify the complicated procedures for complex claims in the past, this aspect of the present invention proposes a claim operation device, which can communicate with the server. The claim operation device can be used to establish a claim case, classify the case, enable the user to quickly and accurately execute the claim service, instantly upload the claim case, effectively carry out the case split, simplify the traditional paper work process, and improve the efficiency of the claim work. Specifically, the claim operation device includes a display module, an input module, a memory, and a processor; the components are electrically coupled to each other, wherein the memory stores a computer readable command, and the processor uses Executing computer executable instructions to perform the following steps: (a) creating a claim application form on the display module; (b) using the input module to input an accident information into the claim application form; (c) based on The accident information generates at least one signature file corresponding to the display module; (d) receiving an electronic signature via the input module and locating to a specified location of the signature file; and (e) merging the claim application The form and the signature file generate a claim case.
本新型另一態樣係有關於一種理賠作業系統，其包含伺服器和理賠作業裝置。所述伺服器用以管控多筆理賠案件，讓使用者能確實掌握各理賠案件的進度，以提升工作效率。 Another aspect of the present invention relates to a claims operating system that includes a server and a claims operating device. The server is used to control multiple claims cases, so that the user can surely grasp the progress of each claim case to improve work efficiency.
依據本新型一實施方式所述的理賠作業系統包含一伺服器和一理賠作業裝置，兩者彼此通訊連通，其中所述伺服器包括一資料庫，此資料庫包含至少一保戶資訊。所述理賠作業裝置用以建立理賠案件並將其傳送至伺服器，且所述理賠作業裝置用以執行以下步驟：(a)建立一理賠申請表於該顯示模組上；(b)利用該輸入模組輸入一事故資訊至該理賠申請表中；(c)基於該事故資訊產生相對應的至少一簽名文件於該顯示模組上；(d)經由該輸入模組接收一電子簽名並定位至該簽名文件的一指定位置中；以及(e)合併該理賠申請表和該簽名文件產生一理賠案件並傳送至該伺服器。 The claim operating system according to an embodiment of the present invention includes a server and a claim operating device, wherein the server communicates with each other, wherein the server includes a database, and the database includes at least one policy holder. The claim operation device is configured to establish a claim case and transmit the claim case to the server, and the claim operation device is configured to perform the following steps: (a) establishing a claim application form on the display module; (b) utilizing the claim The input module inputs an accident information to the claim application form; (c) generating at least one signature file corresponding to the display module based on the accident information; (d) receiving an electronic signature and positioning through the input module Up to a specified location of the signature file; and (e) merging the claim application form and the signature file to generate a claim case and transmitting to the server.
依據本新型一實施方式，在步驟(e)中，更包含利用所述理賠作業裝置合併理賠申請表、簽名文件和至少一輔助文件。 According to an embodiment of the present invention, in the step (e), the claim processing device is combined to use the claim processing device to merge the claim application form, the signature file, and the at least one auxiliary file.
在可任選的實施方式中，所述輔助文件是診斷書、門診收據、身份證件或登記聯單。 In an optional embodiment, the auxiliary document is a medical certificate, an outpatient receipt, an identity document, or a registration slip.
在其他可任選的實施方式中，所述事故資訊選自於以下所組成的群組中：理賠類型、事故者基本資料、事故經過和其組合。 In other optional embodiments, the accident information is selected from the group consisting of: claim type, accident basic information, accident passage, and combinations thereof.
依據本新型一具體實施方式，其中在步驟(b)中，所述理賠作業裝置匯入該伺服器中該資料庫的該保戶資料作為該事故者基本資料。 According to a specific embodiment of the present invention, in step (b), the claim operation device imports the policy holder data of the database in the server as the accident basic data.
依據本新型一實施方式，在本新型理賠作業系統中，更包含利用輸入模組輸入一送件人資料至該理賠申請表中。 According to an embodiment of the present invention, in the new claims operation system, the input module is further used to input a sender data to the claim application form.
依據本新型另一實施方式，更包含利用輸入模組輸入一保險給付方式至該理賠申請表中。 According to another embodiment of the present invention, the method further includes inputting an insurance payment method into the claim application form by using the input module.
在可任選的實施方式中，所述保險給付方式是現金、匯款、禁背支票或取消禁背支票。 In an optional embodiment, the insurance payment method is cash, remittance, no cheque or cancellation of cheque.
在另一實施方式中，更包含利用理賠作業裝置輸入至少一受益人至理賠申請表中。 In another embodiment, the method further includes inputting at least one beneficiary into the claim application form by using the claims operating device.
依據本新型一實施方式，在所述理賠作業系統中，更包含利用理賠作業裝置查詢已傳送至伺服器的理賠案件和未傳送至伺服器的理賠案件。 According to an embodiment of the present invention, the claim operation system further includes using the claims operation device to query a claim case that has been transmitted to the server and a claim case that is not transmitted to the server.
在一實施方式中，本新型理賠作業系統中的伺服器包含一伺服器顯示模組，其用以執行以下步驟：以不同顏色燈號表示各理賠案件的狀態，其中顏色燈號是依據一預設期控所設置。 In an embodiment, the server in the novel claims operating system includes a server display module for performing the following steps: indicating the status of each claim case by different color lights, wherein the color light is based on a pre- Set the time control settings.
在參閱下文實施方式後，本新型所屬技術領域中具有通常知識者當可輕易瞭解本新型之基本精神及其他新型目的，以及本新型所採用之技術手段與實施態樣。 The basic spirit and other novel objects of the present invention, as well as the technical means and implementations of the present invention, can be readily understood by those of ordinary skill in the art.
100‧‧‧理賠作業系統 100‧‧‧ Claims Operating System
110‧‧‧理賠作業裝置 110‧‧‧ Claims operating device
112‧‧‧顯示模組 112‧‧‧Display module
114‧‧‧輸入模組 114‧‧‧Input module
116、156‧‧‧處理器 116, 156‧‧‧ processor
118、158‧‧‧記憶體 118, 158‧‧‧ memory
150‧‧‧伺服器 150‧‧‧Server
160‧‧‧資料庫 160‧‧‧Database
162‧‧‧通訊模組 162‧‧‧Communication Module
S301-S350、S401-452‧‧‧步驟 S301-S350, S401-452‧‧‧ steps
為讓本新型的上述與其他目的、特徵、優點與實施例能更明顯易懂，所附圖式之說明如下：第1圖是依據本揭示內容一實施方式所示之理賠作業裝置110的示意圖； 第2圖是依據本揭示內容另一實施方式所示之理賠作業系統100的示意圖；第3圖為依據本揭示內容一實施方式所示之理賠作業系統100硬體架構示意圖；第4圖是依據本揭示內容一實施方式所示之理賠作業流程示意圖；以及第5圖是依據本揭示內容另一實施方式所示之理賠作業流程示意圖。 The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood. The description of the drawings is as follows: FIG. 1 is a schematic diagram of a claim working device 110 according to an embodiment of the present disclosure. ; 2 is a schematic diagram of a claims operating system 100 according to another embodiment of the present disclosure; FIG. 3 is a schematic diagram of a hardware architecture of the claims operating system 100 according to an embodiment of the present disclosure; A schematic diagram of a claim operation flow shown in an embodiment of the present disclosure; and FIG. 5 is a schematic diagram of a claim operation flow according to another embodiment of the present disclosure.
根據慣常的作業方式，圖中各種特徵與元件並未依比例繪製，其繪製方式是為了以最佳的方式呈現與本新型相關的具體特徵與元件。此外，在不同圖式間，以相同或相似的元件符號來指稱相似的元件/部件。 The various features and elements in the figures are not drawn to scale, and are in the In addition, similar elements/components are referred to by the same or similar element symbols throughout the different drawings.
為了使本揭示內容的敘述更加詳盡與完備，下文針對了本新型的實施態樣與具體實施例提出了說明性的描述；但這並非實施或運用本新型具體實施例的唯一形式。實施方式中涵蓋了多個具體實施例的特徵以及用以建構與操作這些具體實施例的方法步驟與其順序。然而，亦可利用其他具體實施例來達成相同或均等的功能與步驟順序。 In order to make the description of the present disclosure more detailed and complete, the following description of the embodiments of the present invention and the specific embodiments thereof are set forth. The features of various specific embodiments, as well as the method steps and sequences thereof, are constructed and manipulated in the embodiments. However, other specific embodiments may be utilized to achieve the same or equivalent function and sequence of steps.
除非本說明書另有定義，此處所用的科學與技術詞彙之含義與本新型所屬技術領域中具有通常知識者所理解與慣用的意義相同。此外，在不和上下文衝突的情形下，本說明書所用的單數名詞涵蓋該名詞的複數型；而所用的複數名詞時亦涵蓋該名詞的單數型。 Unless otherwise defined in the specification, the meaning of the scientific and technical terms used herein is the same as that of ordinary skill in the art. In addition, the singular noun used in this specification covers the plural of the noun in the case of no conflict with the context; the plural noun of the noun is also included in the plural noun used.
當可理解，所述的「理賠作業裝置」和/或「伺服器」通常具備至少某種形式的儲存媒體；所述的儲存媒體包含依電性、及非依電性、可移除及不可移除媒體，可運用適當的方法或技術，使上述媒體能用於儲存所欲資訊(如：電腦可讀取指令、資料結構、應用程式模組、及其他資料)。儲存媒體包含但不限於：RAM、ROM、EEPROM、快閃記憶體、或其他記憶體技術、CD-ROM、數位多功能影音光碟(DVD)、或其他光學儲存器、磁匣、磁帶、磁碟片儲存器、以及其他磁性儲存裝置、或任何能夠用以儲存所需資訊且可供處理器存取之其他媒體。一般而言，通訊元件可將電腦可讀取指令、資料、結構、應用程式模組及其他資料具體實作成各種資料訊號，且可透過任何通訊媒體傳遞之。作為例示而非限制，通訊媒體包含有線媒體(如有線網路或直接有線連線)及無線媒體(如音波、紅外線、無線電、微波、展頻技術、及其他無線媒體技術)。此外，本文所述的電腦可讀取媒體係指可供所述處理器執行存取的任何可用媒體，譬如上述之儲存媒體、通訊元件，或兩者之組合。作為例示而非限制，所述的「理賠投保裝置」可以是桌上型電腦、伺服器電腦、手持式或膝上型裝置、個人數位助理、多處理器系統、基於微處理器之系統、機上盒、可程式化消費性電子產品、行動電話(特別是智慧型手機)、網路電腦、迷你電腦、主機電腦、包含任何上述系統或裝置之分散式運算環境及與其相似者。在一較佳的實施方式中，適用於本新型內容之「理賠作業裝置」可以是平板電腦。 It will be understood that the "claims operating device" and/or "server" generally have at least some form of storage medium; the storage medium includes electrical, non-electrical, removable and non-receivable The media can be removed using appropriate methods or techniques to enable the media to store the desired information (eg, computer readable instructions, data structures, application modules, and other materials). Storage media includes but is not limited to: RAM, ROM, EEPROM, flash memory, or other memory technology, CD-ROM, digital versatile audio and video (DVD), or other optical storage, magnetic tape, tape, disk A slice memory, as well as other magnetic storage devices, or any other medium that can be used to store the required information and be accessible to the processor. In general, communication components can be used to implement computer readable instructions, data, structures, application modules and other data into various data signals and can be transmitted through any communication medium. By way of illustration and not limitation, communication media includes wired media (such as a wired network or direct wired connection) and wireless media (such as sonic, infrared, radio, microwave, spread spectrum, and other wireless media technologies). Furthermore, computer readable media as used herein refers to any available media that can be accessed by the processor, such as the storage media described above, communication components, or a combination of both. By way of illustration and not limitation, the "claims insurance device" may be a desktop computer, a server computer, a handheld or laptop device, a personal digital assistant, a multi-processor system, a microprocessor-based system, or a machine. Top boxes, programmable consumer electronics, mobile phones (especially smart phones), network computers, mini computers, host computers, distributed computing environments containing any of the above systems or devices, and the like. In a preferred embodiment, the "claim operation device" applicable to the novel content may be a tablet computer.
本新型內容所述之「電腦可讀取指令」係指使用者可裝設並運行於理賠作業裝置和/或伺服器上之應用程式。 The term "computer readable command" as used in this disclosure refers to an application that a user can install and run on a claims operating device and/or server.
在此所述之「使用者」是指可運用本新型理賠作業系統的個體，例如，消費者或保險業者等。在較佳的實施方式中，所述使用者是指保險業務員。 The term "user" as used herein refers to an individual who can use the novel claims operating system, such as a consumer or an insurance company. In a preferred embodiment, the user is an insurance salesperson.
在此所述「交查立案」是指需要進行事實查驗的理賠案件。在一實施方式中，所述「交查立案」依據案件類型不同，具有相對應的查驗事項；以車險為例，查驗事項可以是勘車、事故調查、或車險查證等。 The term "investigation and filing" as used herein refers to a claim case that requires factual inspection. In an embodiment, the "inspection and filing" has a corresponding inspection item according to the type of the case; taking the automobile insurance as an example, the inspection item may be an investigation, an accident investigation, or a vehicle insurance verification.
在此所述「車險事查」是指車險事故調查。 The "auto insurance investigation" referred to here refers to the investigation of automobile accidents.
為了提供更好的服務，以及標準化作業程序，本新型一態樣是提供一種理賠作業系統。所述理賠作業系統簡化了傳統繁瑣的理賠工作流程，讓使用者能夠快速完成理賠案件申請，同時依據理賠案件的不同能夠確實進行案件分流，藉以提昇理賠作業的流暢度。 In order to provide better service and standardize operating procedures, the present invention provides a claims operating system. The claims operation system simplifies the traditional cumbersome claims processing process, allows the user to quickly complete the claim case application, and can actually carry out the case diversion according to the different claims cases, thereby improving the fluency of the claim operation.
第1圖為本新型一實施方式所述之理賠作業裝置110的硬體架構示意圖。所述理賠作業裝置110至少設有顯示模組112、輸入模組114、處理器116和記憶體118，上述各元件彼此電性耦接，且記憶體118儲存有一電腦可讀取指令。所述處理器116用以執行該電腦可執行指令，以進行以下步驟：在顯示模組112上中建立理賠申請表，以供使用者填入理賠申請所需的資料；接著，使用者可利用輸入模組114將事故資訊輸入至理賠申請表中。在非限制的實施方式中，所述顯示模組112和輸入模組114為整合式的構件，例如，電容式觸控螢幕、電阻式觸控螢幕、波動式觸控螢幕或電磁式觸控螢幕。所述理賠作業裝置110基於接收到的事故資訊可在顯示模組112上產生相對應的至少一簽名文件。使用者利用該顯示模組112和輸入模組114審閱需簽署的簽名文件內容，再透過輸入模組114進行電子簽名；接著，所述理賠作業裝置110將接收到的電子簽名定位至簽名文件的指定位置中。最終，當填寫完畢理賠申請表和簽名文件後，理賠作業裝置110將所述理賠申請表和簽名文件合併而產生一理賠案件。在一實施方式中，所述理賠案件可儲存於理賠作業裝置110的儲存模組(圖中未繪示)；在另一實施方 式中，所述理賠案件可藉由通訊模組(圖中未繪示)將理賠案件傳送至一遠端伺服器中。 FIG. 1 is a schematic diagram showing the hardware structure of the claims operation device 110 according to the embodiment of the present invention. The claim operating device 110 is provided with at least a display module 112, an input module 114, a processor 116 and a memory 118. The components are electrically coupled to each other, and the memory 118 stores a computer readable command. The processor 116 is configured to execute the computer executable instructions to perform the following steps: establishing a claim application form on the display module 112 for the user to fill in the information required for the claim application; and then the user can utilize The input module 114 inputs the accident information into the claim application form. In a non-limiting embodiment, the display module 112 and the input module 114 are integrated components, such as a capacitive touch screen, a resistive touch screen, a wave touch screen, or an electromagnetic touch screen. . The claim operation device 110 can generate a corresponding at least one signature file on the display module 112 based on the received accident information. The user uses the display module 112 and the input module 114 to review the content of the signature file to be signed, and then electronically sign through the input module 114. Then, the claim operation device 110 locates the received electronic signature to the signature file. In the specified location. Finally, after completing the claim application form and the signature file, the claim operation device 110 combines the claim application form and the signature file to generate a claim case. In an embodiment, the claim case may be stored in a storage module (not shown) of the claims operating device 110; In the formula, the claim case can be transmitted to a remote server by using a communication module (not shown).
第2圖為本新型一實施方式所示之理賠作業系統100的示意圖，而第3圖為本新型理賠作業系統100的硬體架構圖。請參見第2圖，所述理賠作業系統100包括一伺服器150和第1圖所示之理賠作業裝置110，兩者間通訊連通。所述理賠作業裝置110主要供保險業務員(即，使用者)使用，使其能夠快速協助客戶完成保險理賠作業，即時將資料上傳至所述伺服器150中，以利後端管理人員掌控各理賠案件的進度，進而提升工作效率及服務品質。依據一非限制的實施方式，所述理賠作業裝置110和伺服器150是透過網際網路通訊連通，亦可以利用無線通訊模組連接，例如，Wi-Fi、藍牙和紅外線等。 2 is a schematic diagram of the claims operating system 100 shown in the new embodiment, and FIG. 3 is a hardware diagram of the new claims operating system 100. Referring to FIG. 2, the claims operating system 100 includes a server 150 and a claims operating device 110 shown in FIG. 1 in communication between the two. The claim operation device 110 is mainly used by an insurance salesperson (ie, a user) to enable the customer to quickly complete the insurance claim operation, and immediately upload the data to the server 150, so that the back-end management personnel can control each The progress of claims cases, thereby improving work efficiency and service quality. According to a non-limiting embodiment, the claims operation device 110 and the server 150 are connected through the Internet communication, and can also be connected by using a wireless communication module, for example, Wi-Fi, Bluetooth, and infrared.
請參見第3圖，所述伺服器150包含一處理器156、記憶體158、資料庫160和通訊模組162，各元件彼此電性耦接。所述記憶體158儲存有一電腦可讀取指令，而資料庫160儲存有至少一保戶資訊和/或理賠案件。再者，通訊模組162可用以接收來自理賠作業裝置110的數據資訊，或將數據資訊傳送至理賠作業裝置110。所述處理器156用以執行一電腦可讀取指令，以進行本新型多種實施方式所示之各種管控理賠案件的步驟。 Referring to FIG. 3, the server 150 includes a processor 156, a memory 158, a database 160, and a communication module 162. The components are electrically coupled to each other. The memory 158 stores a computer readable command, and the database 160 stores at least one policy holder and/or claim case. Moreover, the communication module 162 can be used to receive data information from the claims operating device 110 or to transmit data information to the claims operating device 110. The processor 156 is configured to execute a computer readable command to perform the steps of various control claims cases shown in various embodiments of the present invention.
第4圖為依據本新型一實施方式所示之理賠作業方法，所述方法是運用本新型理賠作業裝置110和伺服器150所執行。在一較佳的實施方式中，所述理賠作業裝置110是供保險業務員使用，用以維護保戶權益，協助申請理賠案件，提升服務品質。所述伺服器150主要來自於保險業者，其可用以管控保戶資訊、保單和保險理賠案件等。在此，所述伺服器150執行的理賠管理作業是以平台管理方式管控來自各種管道所回傳的理賠案件的處理狀態，例如，一般紙本申請報案透 過登打作業或利用本新型理賠作業裝置110所提供的理賠案件。所述伺服器150的處理器156可用以執行賠案管理作業，伺服器150包括伺服器顯示模組，其可顯示不同顏色的燈號以供後端管理人員管控各理賠案件的狀態。舉例來說，當案件狀態屬於「交查立案」者，可於該案件相關欄位中顯示特定燈號；而屬於「未交查案件」者，則不顯示燈號。在一非限制的實施方式中，使用者可視其使用需求依據不同的管制項目及其相對應的預設期控，給予不同顏色的燈號。 FIG. 4 is a diagram showing a claim operation method according to an embodiment of the present invention, which is performed by using the novel claims operation device 110 and the server 150. In a preferred embodiment, the claims operation device 110 is used by an insurance salesperson to maintain the rights of the policyholders, assist in applying for claims, and improve service quality. The server 150 is mainly from an insurer, which can be used to control policyholder information, policy and insurance claims cases, and the like. Here, the claims management operation performed by the server 150 controls the processing status of the claims cases returned from various pipelines in a platform management manner, for example, the general paper application report is transparent. The boarding operation or the claims case provided by the new claims operating device 110. The processor 156 of the server 150 can be used to perform a claim management operation, and the server 150 includes a server display module that can display lights of different colors for the back-end manager to control the status of each claim case. For example, when the status of the case belongs to the "reporting case", a specific light number may be displayed in the relevant field of the case; and if the case is "unchecked", the light number is not displayed. In a non-limiting embodiment, the user can give different color lights according to different control items and their corresponding preset periods according to their usage requirements.
在可任選的實施方式中，所述管制項目包含，但不限於：案件進度評估、車險查證、勘車與否、和解及調解、車險事查、醫師諮詢、基本資料(如，行照、駕照、登記聯或***)待結案等。再者，各管制項目和相對應預設期控及其所代表的燈號配置方式，請參見下表1所示。 In an optional embodiment, the control item includes, but is not limited to, case progress assessment, vehicle insurance verification, vehicle survey or not, settlement and mediation, vehicle insurance investigation, physician consultation, basic information (eg, photo, Driver's license, registration or invoice) pending settlement. In addition, the various control items and corresponding preset period control and the signal number configuration method they represent are shown in Table 1 below.
再者，本新型伺服器150可用以執行查詢交查受託事件和待處理案件，顯示各管制項目相對應燈號下的案件數量，以立即控管各管制項目相對應的案件狀態，例如，以「勘車」為例，紅燈：20件、黃燈：16件、綠燈：30件；相對應表1的內容可以得知，在勘車管制項目下，已有20件理賠案件自交查立案日起3天尚未完成勘車作業，16件自交查立案日起2天尚未完成勘車作業，30件自交查立案日起1天尚未完成勘車作業。 Furthermore, the novel server 150 can be used to perform a query to check the entrusted event and the pending case, and display the number of cases under the corresponding lamp number of each control item, so as to immediately control the status of the case corresponding to each control item, for example, For example, "lighting vehicle": red light: 20 pieces, yellow light: 16 pieces, green light: 30 pieces; corresponding to the contents of Table 1, it can be known that under the survey control project, 20 claims cases have been self-investigated. The reconnaissance operation has not been completed within 3 days from the filing date, and 16 excavation operations have not been completed within 2 days from the date of filing the investigation, and 30 excavation operations have not been completed one day since the date of filing the investigation.
再者，所述伺服器150的處理器156執行所述電腦可讀取指令以產生一處理清單，使用者可選取特定理賠案件匯入處理清單中。此外，所述處理清單中的各理賠案件除了以案件編號排列外，亦可以不同管制項目排列呈現。本領域具有通常知識者可視實際使用的狀況及其通常經驗修改版面呈現的方式。 Moreover, the processor 156 of the server 150 executes the computer readable command to generate a processing list, and the user can select a specific claim case to be processed into the processing list. In addition, each claim case in the processing list may be arranged in different control items in addition to the case number. The art has a way in which the general knowledge can modify the presentation of the layout depending on the actual use and its usual experience.
依據本新型一實施方式，所述理賠作業裝置110建立理賠案件的步驟請參見第4圖。首先，使用者透過理賠作業裝置110建立理賠資料表，用以填寫理賠所需的必要資訊(步驟301)；接著，使用者透過理賠作業裝置110的輸入模組114在至理賠申請表內輸入事故資訊(步驟303)。舉例而言，所述事故資訊包含但不限於，理賠類別、事故者基本資料、事故經過和其組合。在一實施方式中，所述理賠類別相對應保戶投保資訊設置，例如，意外傷害險、健康險、旅遊綜合險、旅遊不便險和車險等。所述事故者基本資料包含事故者姓名、身份證字號、出生年月日、地址和聯絡電話等。在一實施方式中，所述理賠作業裝置110可存取伺服器150中資料庫160所儲存的保戶資料，並將 其匯入至事故者基本資料相對應的欄位資訊，例如，姓名、身份證字號、出生年月日、地址、聯絡電話等。 According to an embodiment of the present invention, the step of establishing the claim case by the claim operation device 110 is shown in FIG. 4 . First, the user establishes a claim data table through the claim operation device 110 to fill in the necessary information required for the claim (step 301); then, the user inputs the accident into the claim application form through the input module 114 of the claim operation device 110. Information (step 303). For example, the accident information includes, but is not limited to, a claim category, an accident basic information, an accident, and a combination thereof. In an embodiment, the claim category corresponds to a policy setting of a policyholder, such as accident insurance, health insurance, travel comprehensive insurance, travel inconvenience, and auto insurance. The basic information of the accident person includes the name of the accident person, the ID number of the accident, the date of birth, the address, and the contact number. In an embodiment, the claims operation device 110 can access the policy holder data stored in the database 160 of the server 150, and The field information corresponding to the basic data of the accident, such as name, ID number, date of birth, address, contact number, etc.
再者，所述理賠作業裝置110基於所填寫的事故資訊產生相對應的簽名文件(步驟305)，例如，理賠申請書。保險業務員請理賠申請人(即，保戶)透過理賠作業裝置110執行電子簽名，理賠作業裝置110將該電子簽名定位至簽名文件的指定位置中(即，簽名欄)(步驟307)。待使用者完成前述各步驟後，理賠作業裝置110合併理賠申請表和簽名文件產生所述理賠案件(步驟309)。所述理賠作業裝置110將完成的理賠案件傳送至伺服器150，伺服器150接收來自理賠作業裝置110所傳送的理賠案件，並儲存於資料庫中160(步驟350)。 Furthermore, the claims operation device 110 generates a corresponding signature file based on the filled accident information (step 305), for example, a claim application. The insurance salesperson asks the claim applicant (i.e., the policyholder) to execute the electronic signature through the claims operation device 110, and the claim operation device 110 locates the electronic signature in the designated position of the signature file (i.e., the signature field) (step 307). After the user completes the foregoing steps, the claims operation device 110 merges the claim application form and the signature file to generate the claim case (step 309). The claim operation device 110 transmits the completed claim case to the server 150, and the server 150 receives the claim case transmitted from the claim work device 110 and stores it in the database 160 (step 350).
第5圖為依據本新型另一實施方式所示之理賠作業，本實施方式所示之理賠作業流程原則上與第4圖所示相同，因此，相同的內容不另贅述。在本實施方式中，於填寫理賠申請表有關事故者基本資料的步驟，是直接透過理賠作業裝置110存取伺服器150的資料庫160或理賠作業裝置110中所儲存的資料直接匯入至理賠申請表中(步驟403)。接著，保險業務員(即，使用者)依據實際發生的狀況輸入事故地點和事故經過等相關資訊(步驟405)。其後，根據保險理賠類型的不同上載理賠案件所需的相關輔助文件，例如，診斷書、收據、行照、駕照或登記聯單等。以車險為例，所述輔助文件為行照、駕照或登記聯單(步驟407)。 FIG. 5 is a claim operation according to another embodiment of the present invention. The claim operation flow shown in the present embodiment is basically the same as that shown in FIG. 4, and therefore, the same content will not be described again. In the present embodiment, the step of filling in the basic information of the accident claim form in the claim application form is to directly access the information stored in the database 160 of the server 150 or the claim operation device 110 through the claim operation device 110 to directly transfer the claim to the claim. In the application form (step 403). Next, the insurance salesperson (ie, the user) inputs relevant information such as the accident location and the accident passage according to the actual situation (step 405). Thereafter, relevant supporting documents required for the claim case, such as a medical certificate, receipt, photo, driver's license or registration order, are uploaded according to the type of insurance claim. Taking car insurance as an example, the auxiliary document is a passport, a driver's license or a registration slip (step 407).
再者，為因應客戶各種需求，使用者亦可透過理賠作業裝置110選擇保險給付方式，例如，現金、匯款、禁背支票或取消禁背支票。所述受益人可依據客戶的需求新增或修改(步驟409)；同樣地，待上述資訊輸入完畢後，所述理賠作業裝置110根據事故基本資料產生相對應的簽名文件(步驟411)。在一實例中，若受益人與原投保資訊不 同，則本理賠作業裝置110基於此變更，則會產生一填寫後的理賠申請表和一個資聲明書供客戶簽署；透過理賠作業裝置110的輸入模組114接收電子簽名並定位至簽名文件的指定位置中(步驟413)。完成上述步驟後，透過理賠作業裝置110合併理賠申請表、上述簽名文件及輔助文件產生理賠案件並傳送至伺服器150中(步驟415)。 Moreover, in order to respond to various needs of the customer, the user can also select an insurance payment method through the claim operation device 110, for example, cash, remittance, forbidden check or cancel the check. The beneficiary may add or modify according to the customer's needs (step 409); likewise, after the information input is completed, the claim operation device 110 generates a corresponding signature file according to the accident basic data (step 411). In an example, if the beneficiary and the original insurance information are not Similarly, based on the change, the claim operation device 110 generates a completed claim application form and a capital statement for the customer to sign; through the input module 114 of the claim operation device 110, the electronic signature is received and located to the signature file. Specify the location (step 413). After the above steps are completed, the claim processing device 110 merges the claim application form, the signature file and the auxiliary file to generate a claim case and transmits the claim case to the server 150 (step 415).
所述伺服器150接收來自理賠作業裝置110所傳送的理賠案件，並將其儲存於資料庫160中(步驟450)；再者，為掌握各案件狀態，可透過所述伺服器150管理掌控各理賠案件的狀態(步驟452)。 The server 150 receives the claim case transmitted from the claim operation device 110 and stores it in the database 160 (step 450). Further, in order to grasp the status of each case, the server 150 can be managed and controlled by the server 150. The status of the claim case (step 452).
在非限制的實施方式中，保險業務員可透過理賠作業裝置110查詢未送出和/或已送出的案件。所述理賠作業裝置110和伺服器150通訊連通，可即時查詢各理賠案件的處理狀態。 In a non-limiting embodiment, the insurance clerk can query the unpaid and/or sent case through the claims operating device 110. The claim operation device 110 and the server 150 communicate with each other, and can immediately query the processing status of each claim case.
100‧‧‧理賠作業系統 100‧‧‧ Claims Operating System
110‧‧‧理賠作業裝置 110‧‧‧ Claims operating device
150‧‧‧伺服器 150‧‧‧Server
Claims (12)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| TW106205429U TWM549393U (en) | 2017-04-19 | 2017-04-19 | Device and system for insurance claim |
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| Application Number | Priority Date | Filing Date | Title |
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| TW106205429U TWM549393U (en) | 2017-04-19 | 2017-04-19 | Device and system for insurance claim |
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| TWM549393U true TWM549393U (en) | 2017-09-21 |
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| TW106205429U TWM549393U (en) | 2017-04-19 | 2017-04-19 | Device and system for insurance claim |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI688897B (en) * | 2018-05-10 | 2020-03-21 | 台灣人壽保險股份有限公司 | Electronic signature method and electronic device |
| CN113139791A (en) * | 2021-04-26 | 2021-07-20 | 南京知风之自网络科技有限公司 | Insurance claim settlement service management system |
| TWI812934B (en) * | 2021-03-18 | 2023-08-21 | 新安東京海上產物保險股份有限公司 | Automatic filing system |
-
2017
- 2017-04-19 TW TW106205429U patent/TWM549393U/en unknown
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI688897B (en) * | 2018-05-10 | 2020-03-21 | 台灣人壽保險股份有限公司 | Electronic signature method and electronic device |
| TWI812934B (en) * | 2021-03-18 | 2023-08-21 | 新安東京海上產物保險股份有限公司 | Automatic filing system |
| CN113139791A (en) * | 2021-04-26 | 2021-07-20 | 南京知风之自网络科技有限公司 | Insurance claim settlement service management system |
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