TWM574294U - Intelligent claim system based on mobile carrier - Google Patents

Abstract

The present invention relates to an intelligent claim system based on a mobile vehicle, which includes a mobile terminal device, a cloud parsing server, and an insurance claim server. The mobile terminal device includes an image capturing module, a printing processing module, and a character recognition module. a group and a mobile communication module; and the cloud parsing server includes a cloud communication unit, a cloud storage unit, and a cloud processing unit; and the insurance claim server includes a claims communication unit, a claim storage unit, and a claims processing unit for generating a claim for the policy The result and the amount of the claim.

Description

An intelligent claim system based on mobile vehicles

This creation is about a self-service intelligent insurance claims system. The policy holder can automatically identify the text content of the paper document through the mobile device, and at the same time identify the authenticity, and the cloud analysis server parses out the name of the injured file in the paper file. The International Disease Classification Code, through the operation of the insurance claims server and the banking server, will remit the amount of the claims to the account of the policyholder to improve the efficiency of the insurance claims and reduce the risk of human error in the claims review operation.

In the past, if a policyholder wants to apply for a claim from an insurance company, he must prepare relevant paper documents (such as claims application materials and diagnostic certificates) and send them to the insurance company. The insurance company will manually identify the authenticity of the paper documents. After that, the international disease classification code corresponding to the name of the injury in the paper document is manually determined, and then the relevant information is input to complete the operation procedure of the insurance claim, but these manual operations are time consuming and laborious, and have inefficiency problems.

In addition, there are many types of insurance company products, various claims terms and a large number of claims cases. It is difficult to ensure that the above-mentioned claims operation procedures for identifying, judging and inputting relevant materials in the traditional manual manner will not cause errors, thereby causing insurance. Loss of the household or insurance company. With the evolution of technology, how to complete the insurance claims process through new technologies, taking into account efficiency and reliability, is the current objective of the insurance industry.

In order to achieve the above objectives, the creator is actively studying and researching in order to solve the problems related to the above insurance claims. After continuous efforts and research, the author has finally developed this creation.

Therefore, the purpose of this creation is to provide an intelligent claim system based on mobile vehicles, which includes mobile terminal devices, cloud parsing servers and insurance claims servers, among which mobile terminal devices (such as notebook computers and smart phones) The image capture module, the print processing module, the character recognition module and the mobile communication module, wherein the image capture module is used to retrieve the claim application data and the diagnostic certificate. Receipts and other paper documents, and Converting into an image file; the printing processing module is connected to the image capturing module for performing background color preprocessing on the image file, and authenticating the authenticity of the paper document according to the image file; the character recognition module is connected to the printing letter processing a module for identifying an image file taken from a paper document and generating the identified data, which may include text data and anti-counterfeit image data; and a mobile communication module is connected to the character recognition module for transmitting The cloud computing server is connected to the mobile terminal device for processing the identified data, wherein the cloud resolution server comprises a cloud communication unit, a cloud storage unit and a cloud processing unit, wherein the cloud communication unit is configured to receive the data. The identified data; the cloud storage unit is connected to the cloud communication unit, and pre-stores the International Classification of Disease (ICD); and the cloud processing unit is connected to the cloud communication unit and the cloud storage unit respectively for parsing the paper At least one name of the injury and the corresponding international disease classification code in the document; and insurance The server is connected to the cloud parsing server for processing the claim of the policy for the policy, wherein the insurance claim server includes a claim communication unit, a claim storage unit and a claim processing unit, wherein the claim communication unit is used for receiving and transmitting the policy. The claim storage unit is connected to the claim communication unit for storing the information related to the claim claim of the policy; and the claim processing unit is connected to the claim communication unit and the claim storage unit respectively for generating the policy. The result of the claim and the amount of the claim should be settled, and the claim settlement unit should transmit the amount of the claim to the bank server, and then transfer the amount of the claim to the account of the policyholder, and return the claim result to the insurance claim server, and store the claim result. The unit stores the claim result, and the claim communication unit transmits the claim result to the mobile terminal device.

According to another embodiment of the present invention, the paper document may be one or more of a claim application document, a diagnostic certificate, and a receipt.

According to another embodiment of the present invention, the cloud communication unit is further configured to transmit the data stored by the cloud storage unit.

According to another embodiment of the present invention, the character recognition module is an optical character recognition module.

According to another embodiment of the present invention, the identified data includes text data and anti-counterfeit image data (printed image data), wherein the text data may include the applicant's name, date, pathological description and name of the diagnosis, and policy information. Wait. Medical institutions often cover the prevention and control chapters and/or doctor's chapters on the text of the diagnostic certificate, causing some of the above-mentioned texts to be obscured by the printed letter. This phenomenon is not conducive to the character identification of the diagnostic certificate. In order to solve this problem, the printing processing module can Before the image file enters the character recognition module, the background color pre-processing is performed first, especially when the text data is obscured by the printing and is difficult to be directly recognized, and the image file is first subjected to background pre-processing. Since the ink or ink used in general printing is mostly in a single color (such as blue or red), this creation can choose to close the original color of the printed image in the image file (such as one of blue, red, and green), and fit into the image file. The background color is used to reduce the influence of the text data on the text data of the image file.

In addition, in order to avoid the use of scanning or copying other documents with genuine seals and/or doctor's seals, the image files of the chapters and/or doctor's chapters may be taken out and processed through retouching or printing. Add or paste on the diagnostic certificate you want to falsify. Another embodiment of the present invention uses the edge detection algorithm in the print processing module to define the detection edge of the printed image data as the basis for determining the authenticity of the diagnostic certificate. If the image of the printed image captured by scanning or copying is used, the printed image may have problems such as incomplete backing and residual color or jaggedness on the edge. The creative processing module of this creation can use the edge detection algorithm such as Sobel operator, Roberts Cross operator, Prewitt operator, Canny operator, compass operator, Marr-Hildreth operator, Laplacian operator and wavelet transform to perform edge detection. Detection, first define the detection edge of the printed image, then set the identification boundary outside the detection edge of the printed image, and calculate the degree of variation of the color code value in the area between the detection edge and the identification boundary, and determine whether it is high. The threshold value is used to identify the authenticity of the image file with the printed image data. If it is higher than the aforementioned threshold value, it is very likely that the representative image data is obtained by scanning, so that it can be judged to be a counterfeiter, and vice versa to determine that it is not a counterfeit.

According to another embodiment of the present invention, the printing processing module further comprises an artificial intelligence sub-module, which can learn more printing features, such as adjusting the aforementioned threshold value or the identification boundary, through a machine learning model and a large amount of training data. The setting to improve the accuracy of anti-counterfeiting.

According to another embodiment of the present invention, the cloud processing unit of the cloud parsing server further includes an artificial intelligence subunit, which can improve the international disease corresponding to the name of the injured disease through the machine learning model and a large amount of training data in the cloud storage unit. The accuracy of the classification code.

According to another embodiment of the present invention, the system performs the following steps when the user makes a claim for the policy by using the mobile terminal device: in step S101, the user initiates the claim application procedure in the application of the mobile terminal device; Step S102, the mobile terminal device transmits the image撷 Taking the module to retrieve the diagnostic certificate containing the printed image data, and converting it into an image file; in step S103, the printing processing module first performs background color pre-processing on the image file, and then uses the edge detection to identify the printed image data, and generates The anti-counterfeiting identification result; in step S104, if the anti-counterfeiting authentication result is true, the character recognition module recognizes the image file, and generates the text data and the printed image data; in step S105, the mobile communication module transmits the text data and the printed image data. Go to the cloud communication unit of the cloud resolution server; in step S106, the cloud communication unit receives the text data and the printed image data, and stores the data in the cloud storage unit; in step S107, the cloud processing unit parses at least one injury name in the text data, by the cloud The international disease classification code stored in the pre-stored international disease classification code is stored in the cloud storage unit, and transmitted by the cloud communication unit to the claim communication unit of the insurance claim server; step S108, the insurance claim server The claims processing unit is based on the policy and the international name corresponding to at least one injury name. The disease classification code generates the result of the claim and the amount of the claim, and the claim communication unit transmits the claim amount to the bank server; in step S109, the bank server remits the claim amount to the account of the policy holder, and provides the claim to the insurance claim server. Returning the claim result, the claim storage unit stores the claim result; in step S110, the claim communication unit transmits the claim result to the mobile communication module of the mobile terminal device, so that the application of the mobile terminal device ends the claim application procedure.

10‧‧‧Intelligent claims system based on mobile vehicles

11‧‧‧Mobile terminal equipment

12‧‧‧Cloud parsing server

13‧‧‧Insurance claims server

14‧‧‧Bank server

111‧‧‧Image capture module

112‧‧‧Print processing module

113‧‧‧ character recognition module

114‧‧‧Mobile communication module

121‧‧‧Cloud Communication Unit

122‧‧‧Cloud storage unit

123‧‧‧Cloud Processing Unit

131‧‧‧ Claims Communication Unit

132‧‧‧ Claims Storage Unit

133‧‧‧ Claims Processing Unit

1121‧‧‧Artificial Wisdom Module

1231‧‧‧Artificial Subunit

21‧‧‧Image files

22‧‧‧Printed image data

31‧‧‧Printed image data

311‧‧‧Detection edge

32‧‧‧ Forensic boundaries

S101-S110‧‧‧Steps

1 is a block diagram showing the schematic structure of an intelligent claim system based on a mobile vehicle of the present invention.

Fig. 2(A) is a schematic view showing the background image before the background color preprocessing of the created image file.

Fig. 2(B) is a schematic diagram showing the background color preprocessing of the created image file.

FIG. 3 is a schematic diagram showing the authenticity of the present invention for the identification of the printed image data.

FIG. 4 is a flow chart showing an example of implementation of the intelligent claims program of the present creation.

Referring to the attached drawings, the specific form of the creation will be explained.

As shown in FIG. 1 , the present invention is an intelligent claim system based on a mobile vehicle, which is applied to an insurance company claim. The smart claim system 10 of the present embodiment includes: a mobile terminal device 11 having one application loaded (for example, a note) The image capturing module 111 is configured to capture a paper file to be converted into an image file, and the image capturing module 111 can be the image computer, the smart phone, the tablet computer, or the smart watch. a camera on the mobile terminal device 11; a print processing module 112, The image capture module 111 is configured to perform background color pre-processing on the image file, and to identify the authenticity of the paper file according to the image file; a character recognition module 113 connected to the print processing module The group 112 is configured to identify the image file, for example, the optical character recognition (OCR) technology is used to identify the text in the image file to generate a recognized data; and a mobile communication module 114 is connected. The character recognition module 113 is configured to transmit the identified data, and may use a communication interface such as GSM, 3G, 4G, Wi-Fi, etc., but the category is not limited thereto; a cloud parsing server 12 connected to the action The terminal device 11 is configured to process the identified data, and includes: a cloud communication unit 121, which can adopt a communication interface such as GSM, 3G, 4G, Wi-Fi, Ethernet, etc. The cloud computing server 12 is connected to the mobile communication module 114 of the mobile terminal device 11 by the cloud communication unit 121; a cloud storage unit 122 The cloud communication unit 121 is configured to pre-store the international disease classification code, and the cloud communication unit 121 is configured to transmit the data stored by the cloud storage unit 122; and a cloud processing unit 123 is connected to the cloud communication unit 121 and the cloud communication unit 121. The cloud storage unit 122 is configured to parse at least one injury name and the corresponding international disease classification code in the paper file, and an insurance claim server 13 connected to the cloud resolution server 12 for processing a policy holder The claim claim of a policy includes: a claim communication unit 131, which can adopt a communication interface of GSM, 3G, 4G, Wi-Fi, Ethernet, etc. (not limited thereto), for receiving and transmitting claims with the policy. The demand related information, wherein the insurance claim server 13 is connected to the cloud communication unit 121 of the cloud parsing server 12 by the claim communication unit 131; a claim storage unit 132 is connected to the claim communication unit 131 for Storing information related to the claim claim of the policy; and a claim processing unit 133 connected to the claim communication unit 131 and the claim storage unit 132, respectively To generate a claim result and a claim amount for the policy, and send the claim amount to the bank server 14 by the claim communication unit 131, and then the bank server 14 transfers the claim amount to the bank account 14 The account of the policy holder returns a claim result to the insurance claim server 13, and the claim storage unit 132 stores the claim result, and the claim result is transmitted by the claim communication unit 131 to the mobile terminal device 11.

In addition, the paper document may be one or more of claims application materials, diagnostic certificates and receipts.

In addition, the character recognition module 113 is an optical character recognition module, wherein the recognized data includes a text data and an anti-counterfeit image data, and the mobile terminal device 11 can utilize the optical word. The meta-identification module recognizes the text data, wherein the text data may include the applicant's name, date, pathological description and name of the diagnosis, and various information of the policy.

As shown in FIG. 2(A), the anti-counterfeit image data generated according to the image file 21 is a printed image data 22. When the character recognition module 113 generates the identified data, the text in the image file 21 may be obscured by the printed image data 22, which is unfavorable for the operation of the character recognition module 113. To solve this problem, the print processing module 112 can perform background color pre-processing before the image file 20 enters the character recognition module 113. As shown in FIG. 2(B), the background color preprocessing selects the primary color of the printed image data 22 in the image file 21 (as shown in red in FIG. 2(B)), and fits the background color of the image file 21. To weaken the influence of the text in the image file 21 by the printed image data 22.

The print processing module 112 is configured to perform background color preprocessing on the image file 21, and to identify the printed image data 22 through edge detection. The print processing module 112 can use a Sobel operator, a Roberts Cross operator, An edge detection algorithm such as a Prewitt operator, a Canny operator, a compass operator, a Marr-Hildreth operator, a Laplacian operator, and a wavelet transform is used for edge detection to identify the image file 21 having the printed image data 22. True or false. As shown in FIG. 3, the edge detection algorithm is used to define a detection edge 311 of the printed image data 31, and an identification boundary 32 is set outside the detection edge 311, and the detection edge 311 is to the identification edge. The degree of variation of the color code value is calculated between the boundaries 32 and judged whether it is above a threshold value. If it is higher than the threshold value, it means that the detection edge 311 still has problems such as residual color or zigzag pattern, and there is a high possibility that it is obtained by scanning, so that the printed image data 31 can be determined to be a counterfeiter. On the contrary, it is determined that it is not a counterfeiter.

In addition, the print processing module 112 further includes an artificial intelligence sub-module 1121, which can improve the accuracy of identifying the printed image data by machine learning, for example, adjusting the threshold value according to a machine learning model and a large amount of training data. Forensic boundary settings.

In addition, the cloud processing unit 123 of the cloud parsing server 12 further includes an artificial intelligence sub-unit 1231, which can analyze the international disease classification code corresponding to the at least one injury name by machine learning to improve the accuracy of the parsing.

Referring to Figure 4, the following is a description of the implementation flow of the use of the present creation.

As shown in FIG. 4, when the user uses the mobile terminal device 11 to make a claim for a policy, the smart claim system 10 performs the following steps: Step S101, the user is in the mobile terminal device 11 In the application, a claim application process is started in the application; in step S102, the mobile terminal device 11 retrieves the diagnostic certificate including the printed image data through the image capturing module 111, and converts the diagnostic certificate into the image file; The print processing module 112 first performs background color pre-processing on the image file, and then uses the edge detection to identify the printed image data, and generates an anti-counterfeiting identification result; in step S104, if the anti-counterfeiting identification result is true, the character is The identification module 113 recognizes the image file and generates the text data and the printed image data. In step S105, the mobile communication module 114 transmits the text data and the printed image data to the cloud of the cloud analysis server 12 The communication unit 121; the step S106, the cloud communication unit 121 receives the text data and the printed image data, and stores the data in the cloud storage unit 122; Step S107 The cloud processing unit 123 parses the at least one injury name in the text data, searches for the corresponding international disease classification code in the international disease classification code pre-stored by the cloud storage unit 122, and stores the corresponding international disease classification code in the cloud storage unit 123. The cloud communication unit 121 transmits the claim communication unit 131 to the insurance claim server 13; in step S108, the claim processing unit 133 of the insurance claim server 13 is based on the policy and the international disease corresponding to the at least one injury name. The classification code generates a claim result and a claim amount, and the claim payment unit 131 transmits the claim amount to a bank server 14; in step S109, the bank server 14 remits the claim amount to the The account of the policy holder, and returning a claim result to the insurance claim server 13 (if the account of the policy holder is correct, the message is successful for remittance; otherwise, the message is that the remittance failed), by the claim storage unit 132 The claim result is stored; in step S110, the claim communication unit 131 transmits the claim result to the mobile communication module 114 of the mobile terminal device 11, so that 11 of the mobile terminal device application claims the end of the application process.

The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention. Any modifications, equivalents, improvements, etc., which are made within the spirit and principles of the present invention, should be included in the present disclosure. Within the scope of creation protection.

Claims (10)

An intelligent claim system based on a mobile vehicle includes: a mobile terminal device, comprising: an image capture module for capturing a paper document for conversion into an image file; a print processing module, The image capturing module is configured to perform background color pre-processing on the image file, and to identify the authenticity of the paper file according to the image file; a character recognition module connected to the printing processing module, Identifying the image file and generating a recognized data; and a mobile communication module connected to the character recognition module for transmitting the identified data; a cloud resolution server connected to the mobile terminal device For processing the identified data, comprising: a cloud communication unit for receiving the identified data; a cloud storage unit connected to the cloud communication unit, and pre-storing the international disease classification code; a cloud processing unit, which is respectively connected to the cloud communication unit and the cloud storage unit, for parsing at least one injury name and corresponding international disease in the paper file And an insurance claim server connected to the cloud parsing server for processing a policyholder's claim for a policy, comprising: a claim communication unit for receiving and transmitting claims with the policy Demand related information; a claim storage unit connected to the claim communication unit for storing information related to the claim claim of the policy; and a claim processing unit respectively connected to the claim communication unit and the claim storage unit In order to generate a claim for the policy and the amount of the claim. For example, the system of claim 1 of the patent scope, wherein the paper document can be a claim application document, a diagnostic certificate or a receipt. The system of claim 1, wherein the cloud communication unit is further configured to transmit the data stored by the cloud storage unit. For example, the system of claim 2 or 3, wherein the character recognition module is an optical character recognition module. For example, the system of claim 4, wherein the identified data includes a text material and an anti-counterfeit image data. For example, the system of claim 5, wherein the anti-counterfeit image data is a printed image data. The system of claim 6, wherein the printing processing module uses edge detection to identify the printed image data. The system of claim 7, wherein the printing processing module further comprises an artificial intelligence sub-module, which can be used by the machine to learn the printed image data. The system of claim 8 , wherein the cloud processing unit of the cloud parsing server further comprises an artificial intelligence subunit, wherein the international disease classification code corresponding to the at least one injury name is parsed by the machine learning. For example, in the system of claim 9, wherein a user uses the mobile terminal device to make a claim for the policy, the system performs the following steps: Step S101, the user is in an application of the mobile terminal device Starting a claim application process; in step S102, the mobile terminal device retrieves the diagnostic certificate including the printed image data through the image capturing module, and converts the diagnostic certificate into the image file; Step S103, the printing processing module performs background color pre-processing on the image file, and then uses the edge detection to identify the printed image data, and generates an anti-counterfeiting identification result; in step S104, if the anti-counterfeiting identification result is true, The character recognition module identifies the image file and generates the text data and the printed image data. In step S105, the mobile communication module transmits the text data and the printed image data to the cloud of the cloud analysis server. a communication unit; in step S106, the cloud communication unit receives the text data and the printed image data, and stores the data in the cloud storage unit; in step S107, the cloud processing unit parses the at least one injury name in the text data, Searching for the corresponding international disease classification code in the international disease classification code pre-stored by the cloud storage unit, and storing the corresponding international disease classification code to the cloud storage unit, and transmitting the cloud communication unit to the claim communication unit of the insurance claim server; step S108, The claim processing unit of the insurance claim server corresponds to the policy and the at least one injury name The disease classification code generates a claim result and a claim amount, and the claim payment unit transmits the claim amount to a bank server; in step S109, the bank server remits the claim amount to the policy The account of the household, and returning a claim result to the insurance claim server, the claim settlement unit stores the claim result; in step S110, the claim communication unit transmits the claim result to the mobile communication module of the mobile terminal device, The application of the mobile terminal device is caused to end the claim application process.