TWI831213B - Mobile device insurance claims application system - Google Patents

Abstract

A mobile device insurance claim application system, characterized in that the mobile device insurance claim application system includes a mobile device claim application system and a case acceptance processing center combination system, and the mobile device claim application system includes a claim acceptance module, a claim settlement The audit module and the completed repair delivery module; the claim acceptance module is connected to at least one application for repair; the completed repair delivery module is connected to at least one customer to pick up the completed repair product; the case acceptance processing center integrated system is connected to the action The device claims application system includes at least one server and at least one database system; through a complete system, mobile device claims are automatically completed.

Description

Mobile device insurance claims application system

The present invention relates to a system, which refers to a mobile device insurance claims application system that automatically completes mobile device claims.

According to traditional mobile device repair reports, customers need to go to the repair center, conduct a repair estimate, and then provide the estimate to the insurance company for claim evaluation. Traditional mobile device repair reports are all done through the customer personally providing the repair product or outsourcing the freight. Picking up the goods will require the cooperation of one party in order to pick up the goods smoothly. Otherwise, the pickup may be unsuccessful and the claim settlement progress will be delayed. There may also be changes due to the possibility of secondary damage to the repaired product during transportation (such as a car accident).

The applicant also searched through the following keywords (mobile device) (repair); (equipment) (claims); (mobile device) (insurance); (damage) (claims); (mobile phone damage) (claims); (mobile device damaged) ) (claims settlement) for inquiry; and filter out five previous cases, for example:

The first case is the "Screen Crack Detection System" patented by the Republic of China (publication number: TWM588826U). The first case discloses a system for detecting cracked areas of the screen through neural network calculations and a reference image of the cracked area. , frame the damaged area for identification; however, it does not disclose the identification classification of the damage degree of the mobile device and the calculation of the claim amount, so as to achieve more solutions for claims settlement.

The second previous case is the "Method and Device for Determining Article Damage" patented by the Republic of China (publication number: TW201941100A). The second previous case discloses a method for determining damage to items by photographing the damaged parts. and emit infrared rays to determine the damage to the surface structure; however, it does not reveal solutions for claims settlement other than revealing more damage identification through different means.

The third series of the previous case is the Republic of China patent "Character Recognition Method and Server for Claims Documents" (publication number: TWI621077B), which discloses a character recognition method (OCR) that can automatically determine through the frame lines of Excel Key identification parts and areas that are difficult to identify are combined with LSTM to memorize the characters in the divided areas to enhance the identification accuracy. However, it does not reveal 1. Telecommunications and maintenance information synchronization; 2. Mobile device damage level identification classification and claim amount calculation. ; 3. Automatic payment for repair products and completed products; 4. Mobile device claims progress tracking; 5. Personnel account management.

The fourth series of the previous case is the "Equipment Repair Management System" patented by the Republic of China (publication number: TWM591202U). The equipment repair management system disclosed in it is limited to accessing the repair interface through QR codes, as well as maintenance and completion of repairs, which cannot expand the means of repair. At this stage, information can also be shared through the QR code.

The fifth series of the previous case is the "Online Underwriting System" patented by the Republic of China (publication number: TWM545320U), which discloses an online insurance and underwriting system. By inputting the insurance information, the underwriting stage is entered after the acceptance is confirmed, but it cannot be applied to For mobile device claims purposes.

The previously disclosed patent still has various shortcomings that cannot be overcome, which greatly reduces its practicality. This is where the industry and consumers are eager to make breakthroughs.

In order to solve the above-mentioned shortcomings of the prior art, the main purpose of the present invention is to provide a mobile device insurance claim application system. The mobile device insurance claim application system includes a mobile device claim application system and an acceptance case processing center. The mobile device insurance claim application system includes Claims acceptance module, Claims review module, completed repair delivery module; the claim acceptance module is connected to at least one customer who submits a repair application, the completed repair delivery module is connected to at least one customer who has picked up the completed repair product, and the case acceptance processing center combined system is connected to the mobile device claim application system And includes at least one server and at least one database system, in order to overcome the difficulties in the existing technology.

The secondary purpose of the present invention is to provide a mobile device insurance claim application system, which operates the entire mobile device claim application system through the case acceptance processing center combination system, and uses it to provide customers with applications for repairs, and the claims acceptance module reviews the information and content uploaded by the customers. And collect the damaged mobile device; the claims review module will review the case data and confirm whether it can be paid according to the insured content, or whether it needs to be deducted and assessed; after the review is completed, it will be repaired by the repair shop, and it will be handed over after the repair is completed. The completed repair delivery module will review the completed product and pay the deductible. After at least one customer has picked up the completed product, the completed product can be sent.

Another object of the present invention is to provide a mobile device insurance claim settlement application system that effectively improves the convenience and speed of use and automatically completes mobile device claim settlement through a complete system.

The problem that the present invention aims to solve is that traditional mobile device repair reports require customers to go to a repair center, conduct a repair estimate, and then provide the estimate to the insurance company for claim assessment; traditional mobile device repair reports are all done in person by the customer. Providing repair products or entrusting freight to pick up the goods will require the cooperation of one party to successfully pick up the goods. Otherwise, the pickup may not be successful and the claim settlement process will be delayed. There may also be changes due to the possibility of secondary damage to the repaired product during transportation (such as a car accident).

The first case is the "Screen Crack Detection System" patented by the Republic of China (publication number: TWM588826U), which does not disclose the identification classification of mobile device damage and the calculation of the claim amount, so as to achieve more solutions for claims settlement; such as the second case It is patented by the Republic of China "Method and Equipment for Determining Damage of Articles" "Place" (publication number: TW201941100A), did not disclose the use of different means to reveal more solutions for claims settlement other than damage identification; for example, the three previous cases are patented by the Republic of China "Character recognition method and server for claim settlement documents" ( Public number: TWI621077B), which has not been disclosed: 1. Synchronization of telecommunications and maintenance information; 2. Identification and classification of mobile device damage levels and calculation of claim amounts; 3. Automatic collection and payment of repair products and completed products; 4. Mobile device claim progress tracking ; 5. Personnel account management; For example, the fourth series of the previous case is the "Equipment Repair Management System" patented by the Republic of China (publication number: TWM591202U), which cannot expand the means of repair reporting and is limited to accessing the repair reporting interface through QR codes, as well as maintenance and completion. At this stage, information can also be shared through the QR code; for example, the fifth series of the previous case is the "Online Underwriting System" patented by the Republic of China (publication number: TWM545320U), which cannot be used for claims settlement on mobile devices; this is the previous case. Patent, due to its various deficiencies that cannot be overcome, greatly reduces its practicality.

Technical means to solve the problem. In order to achieve the above purpose, the present invention provides a mobile device insurance claims application system, which is used to connect insurance companies and their mobile device insurance insurance information. The mobile device insurance claims application system includes a mobile device A claim application system and a case processing center combined system; the mobile device claim application system includes: a claim acceptance module, a claim review module, and a repair delivery module; the claim acceptance module is connected to at least one application Report for repair, and provide customers with damaged mobile devices to submit online or offline repair input data. The claim acceptance module is an acceptance module for receiving claim data, receiving customer information, receiving and transferring damaged mobile devices to obtain repair data. The claim acceptance module The module can complete the verification of claim data through including but not limited to optical character recognition (Optical Character Recognition, OCR), image recognition, etc.; the claim review module is to obtain the claim data, and the mobile device insurance claim application system can Conduct a claim review and establish the repair price based on the claim information, photos of the damaged mobile device, and the body of the damaged mobile device; the completion delivery module is completed by the mobile device insurance claim application system after the damaged mobile device has been repaired Review and verify A module that confirms and delivers the completed mobile device to the customer. The completed repair delivery module is also connected to at least one customer who provides delivery of the customer's completed product to pick up the completed product; the case acceptance processing center integrated system is connected to the mobile device The claim application system includes at least one server and at least one database system. The case acceptance processing center combination system stores, records, notifies, executes, and accepts the photo identification of all case information in the entire mobile device claim application system. Analysis, data identification and analysis, connection with telecom operators or maintenance center units, damaged mobile device identification algorithms and model training, and operations from receiving repair applications to claim settlement, through a complete system to settle claims for mobile devices Completed automatically.

Among them, the claim acceptance module of the present invention includes but is not limited to a claim data confirmation module, a photo upload module, and a damaged equipment collection module; the claim data confirmation module performs preliminary deletion of the claim data provided by the customer. The link of error identification and confirmation; this photo upload module provides photo upload and preliminary screening services for customers' damaged mobile devices. It can identify uploaded unclear or missing photos through algorithms and historical repair photos, and immediately Please ask the customer or relevant personnel to correct the photos; the damaged device collection module is a module that collects the customer's damaged mobile device.

Among them, the claim settlement audit module of the present invention includes but is not limited to a data audit module, a photo audit module, and an equipment damage assessment module; the data audit module can pass the data in the claim settlement data, and includes but is not limited to Compare government public information, customer insurance information, mobile device insurance information, etc., and confirm that the data is correct, and then you can proceed with other review items of the repair report; the photo review module can be used for photos of damaged mobile devices, and claims can be made through the mobile device insurance The application system calculates and identifies whether the components are damaged, using the expert analysis results of historical cases and other system photo identification records to improve the accuracy of photo identification by this module. The calculation increases the identification rate and increases the accuracy of system identification in the repair stage. It helps to take photos of damaged mobile devices that were difficult to identify manually and by the system in the past; the equipment damage assessment module can use the damaged content definition of the photo audit module to perform damage assessment and compare the damaged parts of the mobile device. The repair quotation is integrated to calculate the entire claim amount, and combined with the results of the claims review module, it is confirmed that the customer's insurance content and customer's deductible may be no deductible, full payment is required, and the claim review and evaluation is completed; If the case is approved, the mobile device insurance claim application system will send a notification to request for repair of the mobile device; if the case does not pass, the mobile device insurance claim application system will send a notification to provide the customer with other options for repair or full payment for repair.

Among them, the completed repair delivery module of the present invention includes but is not limited to a completed repair audit module, a deductible collection module, and a pick-up notification module; the completed repair audit module can be performed on the completed mobile device. Confirmation of the repair of the original damaged part; the review method includes but is not limited to image recognition (recognition of completed photos, actual display and operation video of the completed mobile device). Once the mobile device insurance claims application system has passed the recognition, it will be reviewed. Completed; the module for collecting the deductible can be used for mobile devices that have been repaired and reviewed. The mobile device requires the customer to pay the deductible. The module for collecting the deductible can be provided through payment including but not limited to supermarket code, bank Payment, third-party payment, mobile payment, telecommunications payment and other methods allow customers to complete the deductible payment. After the mobile device insurance claim application system and the bank and related payment platforms receive the confirmation message, they can enter the mobile device insurance claim application system. The pickup notification module can provide pickup, delivery and notification for mobile device modules that have been repaired and reviewed.

Among them, the mobile device insurance claim application system of the present invention is connected to a module that determines and informs the claims that cannot be made, and can input the International Mobile Equipment Identity/Serial Number (IMEI/) of the mobile device for repair according to the policy query. Series Number, SN), the insured's identity certificate (Identification, ID), and the date of the accident to quickly identify whether the case cannot be applied for claims; if the claim cannot be applied, the mobile device insurance company The claim application system sends a notification through the module for determining and notifying the claim that the claim cannot be made, providing the customer with other methods of reporting for repairs or paying the full cost for repairs.

Among them, the mobile device insurance claim application system of the present invention is connected with a replacement part function and a completed photo identification method module. The mobile device insurance claim application system can supplement relevant information when the case is needed during the claim settlement stage, through the replacement part. Functions and Completed Photo Recognition Method The module provides a replacement function and complete photo recognition; personnel can use the claims acceptance module to complete claims data, photos and other data, and at the same time, use recognition methods including but not limited to optical characters. Recognition (Optical Character Recognition, OCR), barcode recognition, image recognition.

Among them, the mobile device insurance claim application system of the present invention is equipped with an automatic return and replacement mechanism module for blurred photos. The claim acceptance module of the mobile device insurance claim application system can immediately respond to uploaded unclear documents, certificates, For photos, videos and other data, the blurred photo automatic return and replacement mechanism module can be used to automatically return or prompt customers or company personnel to make replacements, eliminating the time required for manual review of data and the stagnation of case progress due to incomplete data.

Among them, the mobile device insurance claim application system of the present invention is connected to a claim case sealing function module, which provides a claim case sealing action function that can be started from the claim case interface. The claim case sealing function module is based on the mobile device insurance claim settlement of the present invention. The scope of authority set by the application system defines the executable accounts or management levels, as well as the method of case processing after sealing, so that records can be kept for cases that cannot be closed or have been canceled due to other special factors.

Among them, the mobile device insurance claims application system of the present invention is provided with an account management function module. The mobile device insurance claims application system provides managers with an account management function to add, edit or deactivate accounts, and can target a single account or Check the account to perform the operation; the administrator can query the account (enter keywords, the account is active or expired, and query), and the query results are listed From the account list, the administrator can choose to browse individual accounts, account settings (such as permission settings, permissions to accept claims applications or claim repairs, etc.), or deactivate the account, so as to manage and control the accounts of the claims adjuster, so that there will be no leakage and security risks. or concerns about insurance fraud.

Comparing the effects of the previous technology, the mobile device insurance claim application system includes the mobile device claim application system and the case acceptance processing center combination system. The mobile device claim application system includes the claim acceptance module, the claim review module, the The completed repair delivery module; the claim acceptance module is connected to the at least one customer who submitted a repair application, the completed repair delivery module is connected to the at least one customer who has picked up the completed repair product, and the case acceptance processing center combination system is connected to the mobile device claim application The system also includes at least one server and at least one database system; and further achieves the operation of the entire mobile device claim application system through the case acceptance processing center combination system, and uses the application for repair to provide customers with an application for repair. The claim acceptance model The team reviews the information and content uploaded by the customer and collects the damaged mobile device; the claims review module reviews the case data and confirms whether it can be paid according to the insured content, or whether a deductible judgment and valuation are required; after the review is completed, it will be The repair shop performs the repair, and after the repair is completed, it is handed over to the repair delivery module, the repair product is reviewed, and the deductible is paid. When at least one customer picks up the repair product, the repair product can be sent; effectively improving its It is easy to use and fast, and through a complete system, it can automatically complete claims settlement on mobile devices, which will greatly expand the utilization of the industry and be novel and progressive.

1000:Mobile device insurance claim application system

1: Mobile device claims application system

10: Submit an application for repair

100: Customer picks up the repaired product completed

11: Claims acceptance module

111: Claims data confirmation module

112:Photo upload module

113: Damaged equipment collection module

12: Claims review module

121:Data review module

122:Photo review module

123: Equipment damage assessment module

13: Completed delivery module

131:Complete the review module

132: Charge deductible module

133: Pickup notification module

14: Claim case interface

15:Account management function module

16: Unable to apply for claim, judgment and notification module

17: Repair function and complete photo identification method module

18: Blurred photo automatic return and replacement mechanism module

19:Claims case sealing function module

2: Case processing center combination system

21:Server

22:Database system

The first figure: is the system architecture diagram of the present invention.

The second figure is an identification diagram of the module of the repair function and the completed photo identification method of the present invention.

The third picture shows the unrecognizable IMEI code of the blurred photo automatic return and replacement mechanism module of the present invention.

The fourth figure: is the interface diagram of the claim settlement case of the present invention.

Figure 5: is a flow chart of the claims application system of the present invention.

The sixth figure is a flow chart of the compensation review process according to the present invention.

Figure 7: is an architectural diagram of the present invention connected with extended applications and other functional modules.

The present invention is described in detail below with reference to the accompanying drawings and in the form of embodiments. The drawings used in the text are only intended to illustrate and assist the description, and may not necessarily represent the true proportions and accuracy of the present invention after its implementation. configuration, the proportions and configuration relationships of the attached drawings should not limit the patent scope of the present invention in actual implementation, and are explained in advance.

Please refer to Figure 1, Figure 2, Figure 3, Figure 4, Figure 5, Figure 6, and Figure 7, which are system architecture diagrams of the present invention, functions of the repair parts of the present invention, and identification of completed photos. Identification diagram of the method module, automatic return of blurred photos of the present invention, unrecognizable IMEI code of the replacement mechanism module, interface diagram of the claim settlement case of the present invention, flow chart of the claim settlement application system of the present invention, and claim review operation flow chart of the present invention , the present invention is connected with an architecture diagram of extended applications and other functional modules; in a preferred embodiment of the mobile device insurance claim application system of the present invention, the mobile device insurance claim application system 1000 includes a mobile device claim application system 1 , a case acceptance processing center combined system 2.

The aforementioned mobile device claim application system 1 includes: a claim acceptance module 11, a claim review module 12, and a repair delivery module 13; the claim acceptance module 11 is connected to at least one repair application 10 and provides the customer After applying for repair of a damaged mobile device, 10 packages should be submitted for repair. Including but not limited to online or offline repair report input data, the claim acceptance module 11 is an acceptance module for receiving claim data, receiving customer information, receiving and transferring damaged mobile device repair data, and the claim acceptance module 11 can be obtained through Including but not limited to optical character recognition (Optical Character Recognition, OCR), image recognition, etc., to complete the confirmation of claim data. The data input in the present invention when applying for repair 10 includes but is not limited to the machine code (IMEI/SN serial number) of the mobile device to be repaired. , the insured’s ID, the date of the accident, the location of the accident, the cause of the accident, the name of the applicant, and the contact number of the applicant; the customer can submit an application for repair through a process including but not limited to online repair (such as: online form, telephone customer service, Email, telecom operator repair report, repair center report, QR code repair report), offline repair report (such as: physical store) (as shown in the first picture).

The claim acceptance module 11 of the present invention includes but is not limited to a claim data confirmation module 111, a photo upload module 112, and a damaged equipment collection module 113; the claim data confirmation module 111 is for the claim data provided by the customer. Carry out preliminary debugging, identification and confirmation steps, and complete the claim data confirmation through including but not limited to OCR, image recognition, etc.; the photo upload module 112 provides photo upload and preliminary screening for customers' damaged mobile devices. The service can identify uploaded unclear or missing photos through algorithms and historical repair photos, and immediately ask the customer or relevant personnel to take corrective measures for the photos; the damaged equipment collection module 113 is used to collect damaged mobile devices of customers. The module for collection work. The damaged equipment collection module 113 includes but is not limited to manual collection and automated collection. The manual collection includes but is not limited to logistics dispatch and customer collection. The mobile device insurance claim application system 1000 provides the customer delivery location. , the automated collection includes but is not limited to the mobile device insurance claim application system 1000, which provides the customer with the delivery location of drones and unmanned vehicles, completes the collection of damaged mobile devices, in order to complete the work content of the claim acceptance module, and notifies the personal data protection law After the obligation is completed, the customer electronically signs the application form and the application is completed (as shown in the first picture).

The claim review module 12 is for, after obtaining the claim information, the mobile device insurance claim application system 1000 can conduct a claim review and establish the repair price based on the claim information, photos of the damaged mobile device, and the body of the damaged mobile device; the completed repair is delivered Module 13 is a module that after the damaged mobile device is repaired, the mobile device insurance claim application system 1000 conducts a repair review and confirmation, and then delivers the repaired mobile device to the customer. The repair delivery module 13 is also connected Provide at least one customer who sends the customer's completed repair product to pick up the completed repair product 100; the claims review module 12 includes but is not limited to a data review module 121, a photo review module 122, and an equipment damage assessment module 123; The data audit module 121 can compare the data in the claims data with, but not limited to, government public information, customer insurance information, mobile device insurance information, etc., and confirm that the data audit is correct, then other audit items can be carried out for repair reports; The photo review module 122 can identify whether the components are damaged through the calculation of the mobile device insurance claim application system 1000 based on photos of damaged mobile devices. It can use the expert analysis results of historical cases and other system photo identification records to improve the accuracy of this module. The precision of photo recognition and calculation improves the recognition rate, increases the accuracy of system recognition in the repair stage, and helps successfully identify photos of damaged mobile devices that were difficult to recognize manually and by the system in the past; (One embodiment of this module is: the original For damaged equipment, if the damaged screen has cracks that are visible to the naked eye, which can be identified through the system, but are too small or have already been identified, the ability to identify the damaged screen can be increased by increasing the number of identification samples. Therefore, in In the embodiment, if there are originally 1,000 screen cracked cases in the system, the system can identify 100 of them as damaged photos for damage assessment. Through model training, the module identification accuracy can be improved to 600 of them. Damage photos. Through this module, only large-scale or obvious damage can be identified. Through model training, other subtle damage and invisible damage can be successfully identified); this equipment damage assessment module System 123 can conduct damage assessment through the definition of damage content of the photo review module 122, compare the repair quotations of each damaged component of the mobile device, integrate and calculate the entire claim amount, and match the results of the claim review module 12 , indeed It is determined that the customer's insurance content and the customer's deductible may be no deductible, the full payment is made, and the claim review and assessment is completed; for cases that pass the claim review and assessment, the mobile device insurance claim application system 1000 will send a notification to report the mobile device for repair; For cases that fail, the mobile device insurance claim application system 1000 will send a notification, providing the customer with other options for repair or full payment for repair (as shown in the first picture).

The completed repair delivery module 13 includes but is not limited to a completed repair audit module 131, a deductible collection module 132, a pickup notification module 133, etc., that is, the mobile device is repaired and delivered to the customer; the completed repair audit module Group 131 can confirm the repair of the original damaged parts of the fully repaired mobile device; the review method includes but is not limited to image recognition (identification of fully repaired photos, actual display and operation video of the fully repaired mobile device). The mobile device After the insurance claims application system 1000 passes the identification, the review is completed; the deductible collection module 132 can be used for mobile devices that have been repaired and reviewed, and the mobile device requires the customer to pay the deductible, and a module for collecting the deductible is provided. It can enable customers to complete the deductible payment through methods including but not limited to supermarket code payment, bank payment, third-party payment, mobile payment, telecommunications payment, etc., after the mobile device insurance claim application system 1000 and the bank and related payment platforms , after receiving the confirmation message, you can enter the mobile device to send the shipment; the pickup notification module 133 can provide pickup delivery and notification for the mobile device module that has been repaired and reviewed; the repair delivery module group; the pickup notification module 133 can be easily divided into methods including but not limited to manual collection, automated collection, etc. Manual collection includes but is not limited to the method by which the logistics dispatches the customer to pick up the goods, and the system provides the customer with the pick-up location, etc. Automated collection includes but is not limited to the system providing drones and unmanned vehicle delivery, etc., and notifying the customer that the pickup is completed. Notification methods include but are not limited to text messages, phone calls, emails, documents, voice, etc. Make sure the notification is completed (as shown in the first picture).

The case acceptance processing center combined system 2 is connected to the mobile device claim application system 1 and includes at least one server 21 and at least one database system 22, which is based on the case volume and equipment requirements of the system operator, wherein the server refers to The server 21 and the database system 22 can be local or cloud, and their number is not limited; the case acceptance processing center combined system 2 stores, records, and notifies all case acceptance information in the entire mobile device claim application system 1. Execution and acceptance of photo identification analysis of cases (for example, unclear photos will be returned by the system), data identification and analysis (for example, through methods such as OCR, barcode recognition and image recognition, identification of document data into text files for storage and cross comparison Yes), connection with telecom operators or maintenance center units, damaged mobile device identification algorithm and model training (such as the claims review module 12 of this system, which can improve the accuracy and precision of identification through model training for the identification algorithm) ), etc., carry out the operation of the case from receiving repair applications to completing the claim settlement. Through a complete system, the claim settlement for mobile devices is automatically completed (as shown in the first picture).

This extended application of the present invention:

Please refer to the seventh figure, which is an architecture diagram of the connection with extended applications and other functional modules of the present invention; the mobile device insurance claim application system 1000 of the present invention is connected with a module for judging and notifying that claim application cannot be made. 16. It can quickly enter the International Mobile Equipment Identity (IMEI/Series Number, SN) of the mobile device to be repaired (IMEI/Series Number, SN), the insured's identity certificate (Identification, ID), and the date of the accident according to the policy inquiry. Identify whether the case cannot be used for claim settlement. If the claim application cannot be made, the mobile device insurance claim application system 1000 of the present invention (through the claim application judgment and notification module 16) will send a notification to provide the customer with other repair methods or to pay the full cost for repair.

The mobile device insurance claim application system 1000 of the present invention is connected with a repair function and a completed photo identification method module 17. The mobile device insurance claim application system 1000 can be used in the claim stage. If the case requires supplementary relevant information, the supplementary function and completed photo identification method module 17 provides a supplementary function and a fully repaired photo identification method; personnel can use the claim acceptance module 11 to process claim information, photos and Other data supplements should be combined with the recognition methods as shown in the figure below (including but not limited to Optical Character Recognition (OCR), barcode recognition, image recognition, etc., as shown in the second figure) Optical Character Recognition (Optical Character Recognition) Recognition, OCR) to identify the mobile device (International Mobile Equipment Identity, IMEI, and barcode recognition cross-reference diagram) to complete the filing of the supplementary data, and simultaneously notify the relevant personnel that the supplementary information system has obtained it. Speed up the delay in claim settlement caused by incomplete claim information; the optical character recognition (OCR) result shown in the picture: IMEI1 353346101079259/01 barcode scan result: International Mobile Equipment Identity (IMEI1) 353346101079259/01 system cross comparison is consistent and enters the review stage.

The mobile device insurance claim application system 1000 of the present invention is connected to an automatic return and replacement mechanism module 18 for blurry photos. The claim acceptance module 11 of the mobile device insurance claim application system 1000 of the present invention can immediately respond to unclear uploaded photos. Documents, certificates, photos, videos and other data are automatically returned through the blurred photo and replacement mechanism module 18 or prompt customers or company personnel to complete the replacement, eliminating the time for manual review of the data and due to incomplete information. As a result, the progress of the case has stagnated; as shown in the third picture, the OCR result: cannot be recognized; the barcode scanning result: cannot be recognized; the system cross-reference failed and the document has been returned; please make a supplement and submit again.

The mobile device insurance claim application system 1000 of the present invention is connected to a claim case sealing function module 19, which provides a claim case sealing action. The function can be started by the claim case interface 14 described later. Please refer to the fourth figure. The claim case sealing Function module 19 can be used to manage risks based on the mobile device The scope of authority set by the claim application system 1000 defines the executable account or management level, as well as the case processing method after sealing, so that records can be saved for cases that cannot be closed or are canceled due to other special factors; sealing function One example is as follows: The mobile device insurance claims application system 1000 of the present invention defines that only managers can seal cases and release them. After the case is unsealed, it must be returned to the claim acceptance module 11 of the mobile device insurance claim application system 1000 of the present invention to apply again.

Other functions of the invention:

Please refer to the fourth figure, which is a claim case interface diagram of the present invention. The mobile device insurance claim application system 1000 of the present invention is provided with a claim case interface 14. This system provides a claim case interface and can be used for ongoing claims. Case management. One embodiment of the claim settlement case interface 14 of the present invention: the claim settlement case interface 14 has an open case overview on the upper right side, and a pull-down display shows the latest notices and their contents, including the number of unsigned cases, the number of notes received, and the returned photos. Information such as files, files to be supplemented, pending review, completed photos to be uploaded, etc.; the claim case interface 14 has a case inquiry on the second line, the query results are placed at the bottom of the case inquiry, and the case is displayed in the left section Name, case status: Completed repair, the claim number, contract number, repair order number, insurance number, repair IMEI/SN code, and completed repair IMEI/SN code are displayed from left to right and top to bottom respectively. ; The name of the applicant, the insured, the maintenance personnel, and the maintenance center; a seal is displayed in the right section; and more cases are displayed at the bottom of the claim settlement case interface 14; the functions of the claim settlement case interface 14 of the present invention include but are not limited to Case inquiry (by including but not limited to contract number, mobile phone number, IMEI code, maintenance order number, customer name, phone number, case operation status, etc.), case overview (latest notification), archiving, etc., and the claim case interface 14 can be displayed The case information includes but is not limited to the claim number, contract number, maintenance order number, insurance number, maintenance IMEI/SN code, completed repair IMEI/SN code, applicant, insured, maintenance personnel name, maintenance center, case Case status (including but not limited to repair photos to be uploaded, repair photos to be reviewed, completed repair photos to be uploaded, completed repair photos to be reviewed, completed, etc.), archive status and other information, case overview information displayed in the case overview (latest notification) Including but not limited to the number of unsigned items, the number of received notes, the number of returned photos, the number of items to be supplemented, the number to be reviewed, the number of completed photos to be uploaded, etc. This interface and all functions can be arbitrarily adjusted according to the needs and the interface form, and it is not the only form and function.

Please refer to the fifth figure, which is the process of the claim application system of the present invention. After the customer submits an application for repair 10 times, the claim acceptance module 11 completes the case acceptance. One embodiment of the mobile device insurance claim application system 1000 Confirm the insurance identity and input the data to generate the content of the claim application. After the customer agrees to the claim statement and confirmation and the personal data protection law notification obligations, the customer signs the application online and the application is completed; the process is as follows: (1) Through customer information Input; (2) The system queries the customer's policy; (3) The data is automatically filled in the application form and the system delivers it to the customer for confirmation; (4) The customer electronically signs the application form on the system; (5) The system accepts the case.

完修行動裝置交付顧客，其一實施例如六圖所示：人員可透過檢索關鍵字查找理賠案件之申請書，找到後可透過現有維修站提供之照片，或上傳包含但不限於機身所有面向之照片(如：手機正面、反面)，螢幕顯示行動裝置機碼(IMEI/SN序號，做理賠資料交叉比對)進行系統審核，如審核無誤即可進行維修(或完修出件顧客)；該賠案審核作業流程為：查詢該案件(如：IMEI/SN序號)，若於(維修前、維修中)則進入上傳維修照片，當審核通過則進入上傳完修照片，當審核通過則進入完修品出件顧客；若查詢該案件(如：IMEI/SN序號) 於(維修完成)，則進入上傳完修照片，當審核通過，則進入完修品出件顧客。 Please refer to the sixth figure, which is the claim review process of the present invention. The claims review module 12 is for the work process after photo recognition, to the completion delivery module 13

The fully repaired mobile device is delivered to the customer. An example of this is shown in Figure 6: personnel can search for claim case applications through search keywords, and after finding them, they can use photos provided by existing repair stations, or upload all aspects of the device including but not limited to Take photos (such as the front and back of the mobile phone), and the screen displays the mobile device code (IMEI/SN serial number, for cross-reference of claim information) for system review. If the review is correct, the repair can be carried out (or the repair can be completed and shipped to the customer); The compensation case review process is: query the case (such as IMEI/SN serial number), if it is (before repair, under repair), enter to upload the repair photos, when the review is passed, go to upload the completed repair photos, when the review is passed, go to Completely repaired product shipping customer; if the query of the case (such as IMEI/SN serial number) is in (repair completed), then enter the uploading of the completed repair photo. When the review is passed, then enter the completed repaired product shipping customer.

The mobile device insurance claims application system 1000 of the present invention is provided with an account management function module 15. The mobile device insurance claims application system 1000 provides managers with an account management function to add, edit or deactivate accounts, and can target a single account. Or check the account to perform the operation; the administrator can query the account (enter keywords, the account is active or expired, etc.), and the query result account list is listed. The administrator can select individual account browsing, account settings ( Such as: permission settings, acceptance permissions for claim applications or claim repairs, etc.), or deactivating accounts, so as to manage and control the accounts of claims adjusters, so that there will be no concerns about security or insurance fraud due to leakage.

Comparison and advantages between the present invention and the previous case:

1. Traditional mobile device repairs require customers to go to a repair center, conduct a repair estimate, and then provide the estimate to the insurance company for claim assessment. This system provides an overall solution. Customers can go to telecommunications companies and repair centers to submit repair reports directly online. Telecom companies and repair centers are directly connected to insurance companies that use this system. Their past maintenance records and insurance information can also be integrated to speed up subsequent claim acceptance and evaluation. Customers can also be asked to upload claim information at the same time. All repair report information is integrated to speed up repair completion.

2. Traditional mobile device repair reports are made through customers providing the repair products in person or requesting freight to pick up the goods. This will require the cooperation of one party to pick up the goods smoothly. Otherwise, the pickup may be unsuccessful and delayed. Claims progress. There may also be changes due to the possibility of secondary damage to the repaired product during transportation (such as a car accident). This system can automatically collect and pay for repair products and completed products. It can be used with unmanned vehicles (such as drones) through the system and can be sent to fixed locations. Send vehicles to collect goods to speed up the process. Unmanned vehicles can also eliminate the possibility of damage caused by human factors.

After the customer applies for repair through the repair application 10, the present invention uses the claim acceptance module 11 to initially review the information and content uploaded by the customer, and collects the damaged mobile device; then, enters the claim review module 12, (insurance The company can accept the case) to conduct a data review of the case and confirm whether the damaged mobile device can be covered by the customer's insurance content, or whether the customer needs to bear the deductible judgment and valuation; after the review is completed, the repair manufacturer will repair it. After the completed repair is handed over to the completed repair delivery module 13, the completed repair product is reviewed, and the customer pays the deductible. The completed repair delivery module 13 is connected to at least one customer to pick up the completed repair product 100, and then the completed repair product can be sent to the customer. Completely repaired product.

The present invention includes the mobile device insurance claim application system 1000 including the mobile device claim application system 1 and the case acceptance processing center combination system 2. The mobile device claim application system 1 includes the claim acceptance module 11 and the claim review module 12 , the completed repair delivery module 13; the claim acceptance module 11 is connected to the at least one application for repair 10, the completed repair delivery module 13 is connected to the at least one customer to pick up the completed repair product 100, and the case acceptance processing center combination The system 2 is connected to the mobile device claim application system 1 and includes at least one server 21 and at least one database system 22; thereby, the entire mobile device claim application system 1 is operated through the case acceptance processing center combined system 2, and the system 2 is used to operate the mobile device claim application system 1. Applying for repair 10 allows customers to apply for repair. The claims acceptance module 11 reviews the data and content uploaded by the customer and collects the damaged mobile device. The claims review module 12 reviews the data of the case and confirms whether payment can be made based on the insured content. , or the determination and valuation of a deductible; after the review is completed, the repair will be carried out by the repair shop. After the completion of the repair, it will be handed over to the completion delivery module 13 for review of the completed product and the payment of the deductible. At least one customer After picking up 100 points of repaired products, the repaired products can be sent; effectively improving their use Convenient, fast, and automating claims settlement on mobile devices through a complete system will greatly expand the utilization of the industry and be novel and progressive.

In summary, it can be seen that the present invention has indeed achieved the desired improvement effect by breaking through the previous technology, and it is not easy to imagine for those familiar with the art. Furthermore, the present invention has not been disclosed before the application, and its novelty Nature and progress, it has clearly met the application requirements for an invention patent. I am filing an invention application in accordance with the law. I sincerely request your office to approve this application for an invention patent to encourage invention and to the utmost convenience.

The above-described embodiments are only for illustrating the technical ideas and characteristics of the present invention. Their purpose is to enable those skilled in the art to understand the content of the present invention and implement it accordingly. They should not be used to limit the patent scope of the present invention. That is to say, all equivalent changes or modifications made in accordance with the spirit disclosed in the present invention should still be covered by the patent scope of the present invention.

1000:Mobile device insurance claim application system

1: Mobile device claims application system

10: Submit an application for repair

100: Customer picks up the repaired product completed

11: Claims acceptance module

111: Claims data confirmation module

112:Photo upload module

113: Damaged equipment collection module

12: Claims review module

121:Data review module

122:Photo review module

123: Equipment damage assessment module

13: Completed delivery module

131:Complete the review module

132: Charge deductible module

133: Pickup notification module

2: Case processing center combination system

21:Server

22:Database system

Claims (4)

A mobile device insurance claim application system is used to connect insurance companies and their mobile device insurance application data. The mobile device insurance claim application system includes a mobile device claim application system and a case acceptance processing center combination system; the mobile device claim application system The application system includes: a claim acceptance module, a claim review module, and a repair delivery module; the claim acceptance module is connected to at least one person who submits an application for repair, and provides online or offline repair input for customers with damaged mobile devices. Data, the claims acceptance module is an acceptance module that receives claim data, receives customer data, receives damaged mobile devices, and transfers repair data. The claims acceptance module can obtain the data through methods including but not limited to optical character recognition (Optical Character Recognition). , OCR), image recognition, etc., to complete the confirmation of claim data; the claim review module is to obtain the claim data, and the mobile device insurance claim application system can handle the claim data, photos of the damaged mobile device, and the body of the damaged mobile device. Audit and establishment of repair price; the claim audit module includes but is not limited to a data audit module, a photo audit module, and an equipment damage assessment module; the data audit module can pass the information in the claim data, and include But it is not limited to comparisons with government public information, customer insurance information, mobile device insurance information, etc., and if the data is verified to be correct, other review items can be carried out for repair reports; the photo review module can be used for photos of damaged mobile devices. The device insurance claim application system calculates and identifies whether the component is damaged. It uses the expert analysis results of historical cases and other system photo identification records to improve the accuracy of photo identification of this module. The calculation increases the identification rate and increases the system identification during the repair stage. Accuracy helps to take photos of damaged mobile devices that were difficult to identify manually and by systems in the past; the device damage assessment module can use the damage content definition of the photo audit module to perform damage assessment and compare the damage of the mobile device The repair quotation of the component is integrated to calculate the entire claim amount, and combined with the results of the claims review module, it is confirmed that the customer's insurance content and the customer's deductible may be no deductible, and the full payment is completed to complete the claim review and evaluation; pass For cases that are subject to claims review and evaluation, the mobile device insurance claim application system will send a notification to request for repair of the mobile device; for cases that do not pass, the mobile device insurance claim application system will send a notification to provide the customer with other options for repair or full payment. Maintenance; the mobile device insurance claim application system is connected to a module that determines and notifies claims that cannot be made, and can input the International Mobile Equipment Identity, IMEI/Series Number (IMEI/Series Number) of the mobile device to be repaired according to the policy query. , SN), the insured's identity certificate (Identification, ID), and the date of the accident to quickly identify whether the claim application cannot be made; if the claim application cannot be made, the mobile device insurance claim application system will determine whether the claim application cannot be made. Send notifications with the notification module to provide customers with other ways to report for repairs or to pay the full cost for repairs; the mobile device insurance claim application system is connected with a replacement part function and a complete repair photo identification method module, and the mobile device insurance claim application system can During the claim settlement stage, the case needs to be supplemented with relevant information. The supplementary function and completed photo identification method module provides a supplementary function and completed photo identification; personnel can use the claim acceptance module to complete the claim information, photos and Other data supplements, combined with recognition methods, include but are not limited to Optical Character Recognition (OCR), barcode recognition, and image recognition; the characteristic is: the complete delivery module is a complete repair of damaged mobile devices Afterwards, the mobile device insurance claim application system conducts a complete repair review and confirmation, and delivers the completed mobile device to the customer's module. The complete repair delivery module is also connected to provide at least one customer who will send the customer's completed repair product to pick up the completed repair. The product is completed; the case acceptance processing center combined system is connected to the mobile device claim application system and includes at least one server and at least one database system. The case acceptance processing center combination system is responsible for all cases accepted in the entire mobile device claim application system. Information storage, recording, notification, execution, photo identification and analysis of accepted cases, data identification and analysis, connection with telecom operators or maintenance center units, damaged mobile device identification algorithms and model training, From receiving repair applications to completing claims, we use a complete system to automate claims settlement for mobile devices. For example, in the mobile device insurance claim application system described in Item 1 of the patent scope, the claim acceptance module includes but is not limited to a claim information confirmation module, a photo upload module, and a damaged equipment collection module; The claims data confirmation module is a step in preliminary debugging, identification and confirmation of the claims data provided by the customer; the photo upload module is a photo upload and preliminary screening service for damaged mobile devices of customers, which can be used through algorithms Use historical repair photos to identify uploaded unclear or missing photos, and immediately ask the customer or relevant personnel to correct the photos. The damaged equipment collection module is a module that collects customers' damaged mobile devices. For example, in the mobile device insurance claims application system described in Item 1 of the patent application, the completed repair delivery module includes but is not limited to a completed repair review module, a deductible collection module, and a pickup notification module. ; This complete repair audit module can confirm the repair of the original damaged parts of the fully repaired mobile device; the audit method includes but is not limited to image recognition (identification of fully repaired photos, actual display and operation video of the fully repaired mobile device) ), after the mobile device insurance claims application system has passed the identification, the review is completed; the deductible collection module can be used for mobile devices that have been repaired and reviewed. The mobile device requires the customer to pay the deductible, and provides a way to collect the deductible. The module can enable customers to complete deductible payment through methods including but not limited to supermarket code payment, bank payment, third-party payment, mobile payment, telecommunications payment, etc., after the mobile device insurance claim application system is fully integrated with banks and related On the payment platform, after receiving the confirmation message, you can enter the mobile device to send the shipment; the pickup notification module can provide pickup and delivery notifications for the mobile device module that has been repaired and reviewed. For example, the mobile device insurance claim application system described in Item 1 of the patent application scope, wherein the mobile device insurance claim application system is connected with a claim case sealing function module to provide processing The claim case sealing action function can be started through the claim case interface. The claim case sealing function module defines the executable account or manager level according to the authority scope set by the mobile device insurance claims application system of the present invention, as well as the sealed case. The method is used so that records can be kept for cases where claims cannot be settled or are canceled due to other special factors.