JP2001167152A - Job processing system, host computer and terminal equipment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a job processing system, a terminal equipment and a host computer capable of efficiently managing and processing a consigned job. SOLUTION: In this job processing system, the host computer and the terminal equipment are connected by a communication network. The host computer 20 is provided with an undertaking right decision part 202 for deciding the undertaking right of the processing of the terminal equipment 10, an undertaking right transmission part 204 for transmitting the undertaking right to the terminal equipment 10, a special recognition decision part 208 for judging whether the processing which lies out of the range of the undertaking right should be accepted and a special recognition informing part 222 for transmitting an acceptance instruction to the terminal equipment 10 in the case of accepting it. The terminal equipment 10 is provided with an undertaking right reception part 110 for receiving the undertaking right of the job from the host computer 20, an undertaking judgment part 104 for judging whether processing contents are within the range of the undertaking right and a special recognition application transmission part 122 for transmitting a message for demanding acceptance for the processing which lies out of the range of the undertaking right.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a business processing system, a terminal device, and a host computer. In particular, the present invention relates to a business processing system, a terminal device, and a host computer that manage and process commissioned business.

[0002]

2. Description of the Related Art An insurance company delegates business authority to a sales branch and an agency to make a customer apply for an insurance contract.
The agency sends the customer's insurance application to the sales branch,
The branch office checked whether the insurance application did not exceed the agency's underwriting limit and corrected the application form. The corrected application form is processed at the office and sent to the insurance company. Insurers issued insurance policies based on applications and mailed them to customers or agents.

[0003]

[Problems to be solved by the invention] The application form created by the agency may exceed the underwriting limit of the agency, or the content of the description may be incomplete. The problem is that it takes a considerable amount of time from when a customer applies for an insurance contract to when a security is issued. In addition, there is a problem that office work efficiency is poor because it is necessary to perform confirmation work and correction work at a sales branch or an office center.

Accordingly, an object of the present invention is to provide a business processing system, a terminal device, and a host computer capable of efficiently managing and processing commissioned business in order to solve the above-mentioned problems. This object is achieved by a combination of features described in the independent claims. The dependent claims define further advantageous embodiments of the present invention.

[0005]

According to a first aspect of the present invention, there is provided a host computer which communicates with a terminal device and performs a process, the authority of the terminal device undertaking the process. An underwriting authority determining unit that determines the underwriting authority, an underwriting authority transmitting unit that transmits the underwriting authority to the terminal device, and when there is a request from the terminal device to perform processing outside the range of the underwriting authority,
Determine whether to allow processing outside of your underwriting authority,
And a special notification unit for transmitting a permission command to the terminal device when permitting.

[0006] There are a plurality of terminal devices, the underwriting authority determination unit determines different underwriting authority for each of the plurality of terminal devices, and the underwriting authority notification unit is determined for each of the plurality of terminal devices. Underwriting authority may be transmitted.

[0007] The underwriting authority determining unit may periodically update the underwriting authority of the plurality of terminal devices, and the underwriting authority communication unit may transmit the updated underwriting authority to the plurality of terminal devices.

[0008] An application data receiving unit for receiving the application data of the contract created by the terminal device based on the underwriting authority, and a contract for the contract is created based on the application data received by the application data receiving unit. A security issuing unit for transmitting to a user of the terminal device.

[0009] When the terminal device receives a request from a terminal device to apply for a contract outside the scope of the agency's underwriting authority,
When the application data receiving unit receives the special approval number together with the contract application data from the terminal device of the agency, the special approval number that permits processing outside the range of the underwriting authority is transmitted to the terminal device,
The system further includes a special identification number collating unit for collating the special identification number, and when the collation of the special identification number collating unit is successful, the securities issuing unit,
A contract of a contract may be created and transmitted to the terminal device or a user of the terminal device.

[0010] The contract is an insurance contract created by the agent entrusted with the business using the terminal device, and the contract may be an insurance policy.

The underwriting authority defines at least one of the insurance types that the agency can underwrite, the insurance amount limit that the agency can underwrite, the insurance period, and the range of discount classes for each insurance type. Is also good.

[0012] The underwriting authority may vary depending on the risk factors of the agency. The agent's risk factors are at least one of the agency's premium income, loss ratio, operational efficiency, business area, administrative accuracy, legal compliance, premium settlement, employee level, and insurance company contribution. It may be.

The underwriting authority may vary depending on the risk factor of the policyholder or the insured. The risk factor information of the policyholder or the insured may be at least one of the age, occupation, address, work location, smoking status, number of dependents, and accident history of the policyholder or the insured.

[0014] The insurance contract is a car insurance contract, and the underwriting authority may differ depending on the risk factor of the vehicle covered by the car insurance contract by the contractor. The vehicle risk factors are:
It may be at least one of the type of the vehicle, the history of the accident, the presence or absence of a modification, the mileage, the presence or absence of an accessory, and the manufacturer.

According to a second aspect of the present invention, there is provided a terminal device of an agency that communicates with a host computer and performs business processing, the receiving unit receiving an underwriting authority from the host computer, An input unit for inputting the contents of the contract, an underwriting judgment unit for determining whether the contract contents input by the input unit are within the range of the underwriting authority, and the underwriting judgment unit determines that the contract contents are within the range of the underwriting authority. When it is determined that the application form is created, an application form creation unit that creates an application form for the contract based on the contents of the contract, and an application data transmission unit that sends application data of the application form created by the application form creation unit to the host computer. It is characterized by having.

When the underwriting judgment unit judges that the contents of the contract are out of the range of the underwriting authority, the application form preparing unit may not prepare the contract application form.

If the underwriting judgment unit judges that the contract content is out of the range of the underwriting authority, the user of the terminal device is warned that the contract content is out of the range of the underwriting authority and that permission is required. A warning unit may be further provided.

The underwriting right receiving unit receives information on the underwriting prohibited range that defines the range of the contract for which the underwriting is prohibited together with the underwriting right, and the underwriting judgment unit determines if the insurance contract is out of the range of the underwriting right. The warning unit determines whether the insurance contract is within the underwriting prohibited range.If the underwriting determining unit determines that the insurance contract is within the underwriting prohibited range, the warning unit notifies the user of the terminal device that the insurance contract is underwriting prohibited. If a warning is issued and the underwriting determination unit determines that the insurance policy is outside the underwriting prohibited range, the user of the terminal device may be warned that the insurance contract is out of the range of the underwriting authority and that permission is required.

A special number input unit for inputting a special number of an insurance contract outside the range of the underwriting authority is further provided. When the underwriting judgment unit judges that the insurance contract is out of the range of the underwriting authority, an application form preparing unit Creates an application form when a special number is entered by the special number input section, and does not create an application form when no special number is entered. May be sent to the host computer together with the special approval number.

When the underwriting judgment unit judges that the contract is out of the range of the underwriting authority, a special approval number requesting unit for transmitting a message requesting a special number for the contract out of the range of the underwriting authority to the host computer; A special number receiving unit that receives a special number from a computer is further provided.The application form creating unit creates an application when the special number receiving unit receives the special number, and the special number receiving unit receives the special number. If not, the application form may not be created, and the application form data transmitting unit may transmit the application form data to the host computer together with the special identification number when the application form creating unit creates the application form.

According to a third aspect of the present invention, there is provided a distributed computer system in which a host computer and a terminal device are connected via a communication network, wherein the host computer comprises: an authority determining unit for determining a processing authority for each terminal device; An authority notifying unit that transmits the authority to the terminal device, the terminal device includes a receiving unit that receives the processing authority, and a processing determination unit that determines whether a process performed by the terminal device is within the range of the processing authority. , When performing processing outside the scope of processing authority,
A request unit for requesting the host computer for processing assistance;
An output unit that outputs a process obtained with the assistance of the host computer when the process is out of the range of the processing authority.

The host computer further includes a determining unit for determining whether or not the terminal device should execute processing when the terminal device requests assistance, and a determining result transmitting unit for transmitting a determination result to the terminal device. The terminal device may include a determination result receiving unit that receives a determination result from the host computer, and may perform the process when the host computer permits the process.

The process is a transaction process for trading goods or securities. The host computer stores, for each terminal device, data indicating a risk of the process performed by the terminal device, and the authority determining unit performs processing based on the data. Alternatively, the processing authority may be calculated for each terminal device.

The authority determining unit of the host computer periodically updates the processing authority, the authority notifying unit notifies the terminal device of the processing authority updated by the authority determining unit, and the terminal device performs the processing based on the notification. The authority may be updated periodically.

According to a fourth aspect of the present invention, there is provided a recording medium storing a program for a host computer which performs a process by communicating with a terminal device, wherein the program determines the right to accept the process of the terminal device. An underwriting authority determination module, an underwriting authority transmission module for transmitting the underwriting authority to the terminal device, and a command for permitting a process outside the underwriting authority range when a request is made from the terminal device to perform a process outside the underwriting authority range. And a special notification module for transmitting the information to the terminal device.

According to a fifth aspect of the present invention, there is provided a recording medium storing a computer program for performing processing by communicating with a host computer, the program comprising:
An underwriting authority receiving module for receiving business underwriting authority from the host computer, an input module for inputting the details of the customer's contract, and an underwriting determination for determining whether the contract content input by the input module is within the range of the underwriting authority When the underwriting judgment module determines that the insurance contract is within the scope of the underwriting authority, an application creation module that creates an application for the contract based on the contract contents, and an application created by the application creation module And an application data transmission module for transmitting application data of the application to the host computer.

Note that the above summary of the present invention does not list all of the necessary features of the present invention, and sub-combinations of these features may also constitute the present invention.

[0028]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described through embodiments of the present invention. However, the following embodiments do not limit the claimed invention and have the features described in the embodiments. Not all combinations are essential to the solution of the invention.

(Embodiment 1) A first embodiment of the present invention will be described. The insurance business processing system as an example of the business processing system of the present invention can efficiently perform business processing from creation of an application form to issuance of a policy in insurance contract business. The insurance business processing system according to the present embodiment can perform insurance business processing such as property insurance such as fire insurance and car insurance, accident insurance, life insurance, simple insurance, and mutual aid insurance. In the following, insurance business processing, particularly business processing from creation of an insurance contract application form to issuance of a security, will be described taking car insurance including vehicle insurance and disability insurance as an example. However, the insurance business processing system of the present embodiment can be similarly applied to insurance business processing of other insurance.

First, a mechanism in which an insurance company entrusts insurance contract business to an agency will be described. Insurers delegate some of the powers of making insurance contracts to sales branches, which in turn recruit agents and delegate some of the powers of making insurance contracts in their respective districts. The delegated authority is called the underwriting authority. Because insurance contracts involve risks, insurance companies and branch offices impose certain conditions when transferring the authority of insurance contracts and limit the scope of authority.

The insurance company or business branch determines different underwriting authority for each agent. This is because the risk associated with the insurance contract varies depending on the agent. Agent risk fluctuation factors include the responsible area, premium sales, loss ratio of contracted insurance, management efficiency, mechanization rate, processing accuracy, legal compliance status, type of agency qualification, premium settlement status, employee level And insurance company contribution. The insurance company or sales branch
Different underwriting authority is determined for each agency using statistical information on the risk variation factors of the agency. As a result, the insurance company can increase the underwriting authority of agents with good business performance, restrict the authority of underwriting agents with poor business performance, and achieve appropriate diversification of insurance contract risks.

The risk of the insurance contract depends not only on the agent's factor, but also on the insurance contractor's or insured's factor, and the vehicle subject to the insurance contract. Therefore, the underwriting authority delegated to the agency is determined in consideration of the risk fluctuation factors by the policyholder or the insured and the risk fluctuation factors by the insured vehicle.

In the case of an individual contract, the risk change factors of the contractor or the insured include age, gender, address, work location, smoking status, accident history, purpose of use of the insured vehicle, occupation,
There are occupations, other insurance contracts, aptitude for driving, whether or not there is drug addiction, and whether or not there is a history of rejecting other companies' contracts. In the case of a corporate contract, the location, occupation, capital, sales, creditworthiness, employee level, and whether or not a safety seminar is held are factors that cause risk fluctuation.

As a risk variation factor due to the insured vehicle,
Model, body color, remodeling, manufacturer, presence of auxiliary equipment,
Includes accident history and mileage.

The insurance company or the branch office underwrites an insurance contract in consideration of the risk fluctuation factors by the agent, the risk fluctuation factors by the policyholder or the insured, and the risk fluctuation factors by the insured vehicle. Determine the content and scope of authority for each agency. The type of insurance that the agent can underwrite, the limit of the insurance amount, the insurance period, the range of the discount class, the conditions of the contractor or the insured, the conditions of the insured vehicle, and the like can be determined in detail.

FIG. 1 is a configuration diagram of the insurance business processing system of the present embodiment. The insurance business processing system includes a terminal device 10 capable of communicating by connecting to a communication network.
And a host computer 20. The host computer 20 is installed in the insurance company, and manages information on business head offices, agents, and information on insurance contracts of customers. The terminal device 10 is installed at an agency entrusted with insurance business by an insurance company or business head office, and performs insurance application processing.

The host computer 20 has an agent database 60 for storing information on agents and a contract database 70 for storing information on insurance contracts of customers. The host computer 20 communicates with an unillustrated accident reception center, acquires statistical information such as the insurance payment status of the automobile insurance handled by the agency, calculates the agency's loss ratio, and deals with the agency database 60 and the contract database 70. Can be updated.

The host computer 20 uses the information stored in the agency database 60 and the contract database 70 to determine the underwriting authority to be delegated for each agency, and transmits the information for setting the underwriting authority to the terminal device of each agency. Send to 10. The host computer 20 can receive insurance application data from the terminal device 10, issue an insurance policy, and record the policy in the contract database 70.

The center terminal 90 is connected to the host computer 2
0, the host computer 20 displays and updates the agency information and the insurance contract information stored in the agency database 60 and the contract database 70, and outputs the insurance policy to the printer 81 for printing.

The terminal device 10 has a customer database 40 for storing information on insurance contract customers, and a contract database 50 for storing information on customer insurance contracts. In addition, the terminal device 10 has a printer 80, and outputs and prints an insurance contract quote and an application form.

FIG. 2 is a diagram for explaining the flow of business from application of an insurance contract to issuance of an insurance policy in the insurance business processing system. Insurance company host computer 20
Transmits information on the underwriting authority determined for each agency to the terminal device 10 of the agency (S100). The terminal device 10 that has received the information on the underwriting authority updates the underwriting authority setting file of the program for issuing an insurance contract quotation and an application.

The agent in charge of the agent uses the terminal device 10 to create a quote and an application form for the customer's insurance contract. The agent in charge of the agency inputs the data of the insurance contract into the terminal device 10, calculates the insurance fee, etc., and creates an estimate and an application form. The terminal device 10 checks whether the quotation and the application form to be created are within the range of the underwriting authority received from the host computer 20, and if not, issues a warning and prevents the application form from being printed. To

If the entered insurance contract content is within the range of the underwriting authority, the terminal device 10 displays the insurance contract application form 82
Is printed, and the agency mails the application form 82 to the customer (S1).
02). The customer fills in the necessary information on the application form 82, seals it, and returns the application form 82 to the agency (S104).

Based on the application form 82 returned from the customer, the agent in charge at the terminal 10
Items that were not entered at the time of creation of 2,
Modify the changed items and create application data. The terminal device 10 transmits the created application data to the host computer 20 (S106).

The agent in charge of the agency mails the original form 86 of the application form 82 stamped by the customer and the attached documents 88 such as a contract memorandum and a contract special agreement to the sales office (S108). Sales office,
The original form 86 is stored, and the attached document 88 is stored using the terminal device 24.
Is read by a scanner and computer 2 of the office center
6 via the communication network (S110). The computer 26 of the office center prints the attached material 88 on a predetermined paper for insurance company and mails it to the insurance company.

In the insurance company, the host computer 2
0 receives the insurance contract application data from the terminal device 10 of the agency, checks the error of the application data, and if there is an error, communicates with the computer 26 of the office center to perform error processing (S112). If necessary, the computer 26 of the office center makes an error inquiry to the agency by telephone, facsimile, etc. (S114). When the error processing is completed, the host computer 20 creates and prints the insurance policy 84 based on the application data. The insurance company mails the printed insurance policy 84 to the customer or agent together with the attached document 88 mailed from the office (S1).
16). If mailed to an agent, the agent mails or brings insurance policy 84 and attachments 88 to the customer.

FIG. 3 is a functional configuration diagram of the terminal device 10. The terminal device 10 functions as a contract content input unit 102
, An underwriting judgment unit 104, an estimate creation unit 106, an application creation unit 108, an underwriting authority reception unit 110, an application data transmission unit 112, a warning unit 114, and a special number input unit 1
16, a customer database operation unit 118, and a contract database operation unit 120.

The contract content input unit 102 allows the user of the terminal device 10 to input customer information and insurance contract contents using input means such as a keyboard and a mouse. Customer database operation unit 118 and contract database operation unit 120
Retrieves customer information and past insurance contract information of the customer from the customer database 40 and the contract database 50, respectively, and inputs the retrieved data to the contract content input unit 102.

The underwriting right receiving section 110 receives underwriting right information from the host computer 20 via the communication network. The received underwriting right information is stored in a storage unit (not shown) of the terminal device 10. The underwriting judgment unit 104
It is determined whether or not the insurance contract content input by the contract content input unit 102 is within the range of the underwriting authority received by the underwriting authority receiving unit 110.

When the underwriting judgment unit 104 judges that the property is out of the range of the underwriting authority, the warning unit 114 notifies that the special identification number is necessary because the object is out of the range of the underwriting authority. Is displayed on the display of the terminal device 10. If the underwriting determination unit 104 determines that the property is within the scope of the underwriting authority, the warning unit 114
Causes no warning message to be displayed.

In the case of a property out of the scope of the underwriting authority, the agent in charge of the agency knows that a special identification number is required by a warning message at the stage of creating an estimate, makes a special application to the insurance company, Have a special number issued by. The special identification number is received by communication means such as mail, telephone, and fax.

The estimate creation unit 106 is a contract content input unit 1
02, an insurance contract estimate is created based on the contents of the insurance contract input, and printed using the printer 80. The application form creation unit 108 creates an insurance contract application form based on the contents of the insurance contract input by the contract content input unit 102,
Printing is performed using the printer 80. However, the application form creation unit 108 prints the application form only when the special approval number is input when the underwriting judgment unit 104 determines that the application is out of the range of the underwriting authority, and when the special approval number is not input. Is
Do not print the application form.

The special number input unit 116 allows an agent in charge of the agency to use an input means such as a keyboard of the terminal device 10 to input
Ask for a special number. The application data transmitting unit 112 transmits the data of the application form created by the application form creating unit 108 to the host computer 20. When the special number is input, the application data transmitting unit 112 transmits the special number to the host computer 20 together with the application data.

In the above description, the host computer 20
Determines the underwriting authority that the agency can underwrite, requests the agency to apply for a special license number for insurance contracts that are outside the scope of the underwriting authority, Was requested. As a modified example of the embodiment, the host computer 20 may further specify an underwriting prohibited property that cannot be underwritten by the agency. Terminal device 1
A value of 0 may prevent printing of the quote and the application form from the beginning if the contents of the entered insurance contract correspond to a property whose underwriting is prohibited. As a result, the agency does not erroneously create a quote for a property whose underwriting is prohibited.

When transmitting the application data outside the range of the underwriting authority, the terminal device 10 always transmits the application data with the special approval number attached thereto, and transmits the application data within the range of the underwriting authority without the special approval number. . Therefore, if the application data is not accompanied by a special identification number, the host computer 20 can process the application data within the range of the underwriting authority and issue the insurance policy 84. On the other hand, if the application data is accompanied by a special approval number, the host computer 20
Confirms that the application data has been approved by checking the special approval number,
Can be issued.

FIG. 4 is a functional block diagram of the host computer 20. The host computer 20 functionally includes an underwriting authority determining unit 202, an underwriting authority transmitting unit 204, an application data receiving unit 206, a special identification number determining unit 208, a special identification number collating unit 210, an error processing unit 212, It has a securities issuing unit 214, an agency database operating unit 216, and a contract database operating unit 218.

The underwriting authority determination unit 202 determines, for each agent, the authority of the insurance contract transferred by the insurance company or business branch to the agent. The agency database operation unit 216 searches the agency database 60 for information about the agency,
It is input to the underwriting authority determination unit 202. The contract database operation unit 218 searches the contract database 70 for information on the insurance contract handled by the agency, and inputs the information to the underwriting authority determination unit 202. The underwriting right determination unit 202 determines the underwriting right to be transferred to the agency based on the statistical information on the risk factor of the agency and the statistical information on the risk factor of the insurance contract handled by the agency. The underwriting authority transmitting unit 204 transmits the underwriting authority determined by the underwriting authority determining unit 202 to the terminal device 10 of the agency.

The special approval number determining unit 208 determines whether to permit the agency when applying for an insurance contract outside the underwriting authority, and determines the special approval number. The determined special identification number is stored in storage means (not shown). The special identification number is a unique number combining, for example, an agency code and an insurance quote number. The insurance company notifies the agency of the special number by mail, telephone, facsimile or other means. The decision of whether to apply for an insurance contract outside the agency's underwriting authority may be made by the person in charge of the insurance company.

The application data receiving section 206 receives application data from the terminal device 10. If the received application data is incomplete, the error processing unit 212 communicates with the computer 26 at the office center to process the error. If the application data received by the application data receiving unit 206 is accompanied by a special number, the special number matching unit 210 determines that the special number received by the application data receiving unit 206 is the special number issued by the special number determining unit 208. Matches if matches. If the verification of the special number by the special number matching unit 210 succeeds, the securities issuing unit 214 sends the application data receiving unit 206
Issues an insurance policy based on the received application data, and prints it using the printer 81. The data of the issued insurance policy is recorded in the contract database 70 by the contract database operation unit 218.

As described above, in the insurance business processing system according to the present embodiment, the host computer 20 determines the underwriting authority of the insurance business for each agent, and sends it to the terminal device 10 of the agent.
Underwriting authority can be set for each agency. The terminal device 10 of the agency performs insurance business processing within the range of the set underwriting authority, and performs the insurance business processing outside the range of the set underwriting authority without obtaining permission from the host computer 20. Can not do. Host computer 2
A value of 0 makes it possible to diversify insurance business risks by making the underwriting authority of each agent different for each agent. Further, the host computer 20 can appropriately adjust the manner of dispersing the risk by changing the underwriting authority of the agent at any time according to the fluctuation of the risk factor of the agent, the insured person, and the insured vehicle. . Therefore, the insurance business processing system according to the present embodiment allows an insurance company to appropriately diversify risks associated with insurance business.

Further, in the insurance business processing system of the present embodiment, when the agent in charge of the agent makes an estimate of the insurance contract using the terminal device 10, if the insurance contract is out of the range of the underwriting authority, A warning message appears, notifying you that an application for a special number is required. The agent in charge of the agency can apply for special approval at the time of creating the quote, and can obtain the special approval number required at the time of creating the application from the insurance company.
In addition, the terminal device 10 prevents the application form of the insurance contract outside the range of the underwriting authority from being printed without inputting the special identification number. A contract application form is not created and application data is not transmitted to the host computer 20. Therefore,
In a sales branch, an office center, or an insurance company, it is not necessary to check whether the contents of an application form created by an agent are within the range of the agent's underwriting authority, thereby improving office efficiency.

Next, data formats of various databases of the terminal device 10 and the host computer 20 will be described. FIG. 5 is a diagram illustrating agency information stored in the agency database 60. Agency information includes agency code, agency name, agency address, person in charge, agency rank, premium sales, insurance loss ratio contracted, business efficiency, territory classification, mechanization rate, paperwork accuracy , Compliance status, agency qualification type, premium settlement status, employee level, and insurance company contribution. The agency information includes various evaluation indices that vary depending on the agency and is a risk factor of an insurance contract. The host computer 20 periodically updates these evaluation indices and records them in the agency database 60.

The underwriting authority determining unit 202 of the host computer 20 determines the underwriting authority for each agency using the information in the agency database 60. As for the underwriting authority of the agency, the contents of the underwriting authority may be determined for each agency, or the content of the underwriting authority may be determined for each rank by dividing the rank of the agency into several stages. The agency rank includes A rank, B rank, C rank, etc. The higher the agency rank,
From an insurance company's perspective, the risk of delegating insurance contracts to agents is low.

Further, underwriting authority may be determined for each district. FIG. 6 is a diagram for explaining the classification of the district in charge of the agency. Since the frequency and traffic volume of traffic accidents vary from region to region, the area in charge of the agency is classified according to the risk. The districts are classified into A district, B district, C district and the like. Underwriting authority may be determined for each district of the agency,
For example, in a low-risk district, the underwriting authority is set so that the maximum amount of insurance that can be underwritten is increased.

FIG. 7 is a view for explaining customer information stored in the customer database 40. Customer information includes name, address, gender, age, occupation / occupation, place of work, purpose of use of insured vehicles, discount level of car insurance, driving aptitude, accident history, smoking status, presence of drug or other poisoning, number of dependents , Other insurance contracts, other companies contract history of apology. The customer information includes various evaluation indices that are risk factors of the insurance contract. When the terminal device 10 updates the insurance contract of the customer, the terminal device 10 updates these evaluation indices and records the updated indices in the customer database 40.

The underwriting judgment unit 104 of the terminal device 10 uses the information in the customer database 40 to prepare whether or not the customer's insurance contract is within the range of the underwriting authority when preparing a quote or application form for the customer's insurance contract. Can be determined.

FIG. 8 is a diagram for explaining insurance contract information stored in the contract database 50. Insurance contract information
Chassis number, car name, initial registration, vehicle inspection expiration date, model code,
District code, place of use, name of contractor, address, insurance period, new / continuation flag, date of change, date of issue of security, body color, presence or absence of modification, manufacturer, presence of attached equipment, accident history, mileage, land transportation branch office name . The insurance contract information includes various evaluation indices which are risk factors of the insurance contract.
Updates these evaluation indices at the time of renewing the insurance contract and records it in the contract database 50.

The underwriting judgment unit 104 of the terminal device 10 uses the information in the contract database 50 to prepare whether or not the customer's insurance contract is within the range of the underwriting authority when preparing a quote or application form for the customer's insurance contract. Can be determined.

The insurance contract information stored in the contract database 70 of the host computer 20 is the same as the contents shown in FIG. The accident data of the insurance contract is sent to the accident reception center of the insurance company, and the host computer 2
0 registers the accident data, the insurance payment amount, and the like in the contract database 70. The host computer 20 evaluates the performance of the agency using the evaluation information such as the accident history recorded in the contract database 70, obtains the loss rate of the agency, and records it in the agency database 60.

Next, several examples of the underwriting authority set in the terminal device 10 of the agency will be described. FIG. 9 is a diagram illustrating an example of the underwriting authority related to the insurance amount. For each type of insurance, the authority of the insurance amount that can be exercised by the sales department branch manager to the agency, and the insurance amount underwriting authority that can be assumed by the A-rank agency and the BC rank agency are shown. The insurance type is
In the case of automobile insurance, there are personal liability insurance, liability insurance, passenger accident insurance, vehicle insurance, and personal belongings insurance, and the maximum amount of insurance that can be underwritten varies depending on the rank of the agency. The maximum amount of insurance that can be underwritten may vary depending on the agency's territory. Also,
For liability insurance, passenger accident insurance, vehicle insurance,
The limit of the insurance amount may be changed depending on the type of vehicle.

FIG. 10 is a diagram for explaining an example of the underwriting authority for the non-fleet class. Non-fleet grade authority that the sales department branch manager can exercise for the agency,
Indicates the non-fleet grade underwriting authority that the A, B, and C rank agencies can undertake. Contract types include all ages secured, unsecured under 21 years, unsecured under 26 years, unsecured under 30 years, age conditions not applicable, paper driver, and range of non-fleet grades that can be undertaken depending on agency rank. different. For example, in the case of a contract of all ages, the branch manager of the sales department has authority to exercise non-fleet grade insurance contracts from grade 2 to grade 16 to agents. A-rank agencies are authorized to underwrite non-fleet grade insurance contracts from grade 2 to grade 16. B-rank agencies are authorized to underwrite non-fleet grade insurance contracts from grades 7 to 16. C-rank agents are not authorized to underwrite any non-fleet grade insurance contracts.

FIG. 11 is a diagram for explaining an example of underwriting authority relating to a vehicle type. The type of vehicle indicates whether or not the branch manager of the sales department has authority to exercise to agents of ranks A, B, and C, and whether or not the agents of ranks A, B, and C have authority to assume. The vehicle types are, for example, a sports car, a commercial vehicle, a rental car, a quasi-sports car, an individual contract dump truck, a regular freight car, and a bus. For example, in the case of a quasi-sports car, the sales department branch manager can exercise authority over the A-rank agency, and the A-rank agency has underwriting authority. The sales department branch manager cannot exercise authority over the B-rank and C-rank agents, and the B-rank and C-rank agents have no underwriting authority.

FIG. 12 is a view for explaining an example of the underwriting authority relating to the excellent discount of the fleet contract. Regarding the superior discount of the fleet contract, the authority of the superior discount contract that the sales department branch manager can exercise for the agency, A rank, B rank, C
Shows the authority to subscribe to good discounts that can be subscribed to by ranked agencies. The Sales Branch Manager has the authority to exercise a good discount contract of 15% or more to the agency, and the A-rank agency has the right to undertake a good discount contract of 5% or more. B-ranking agencies have the authority to undertake a 10% or better premium discount contract for two consecutive years. C-ranking agencies have the authority to undertake premium discount contracts of 15% or more for three consecutive years. Privileges for good discounts may vary by branch and agency territory.

The underwriting authority described above is merely an example, and various modifications may be made depending on whether an agent, a contractor or an insured person, or a risk variation factor of an insured vehicle is considered. For example, the occupation type and work location of the insured person may be considered, and the limit of the insurance amount that can be underwritten can be changed in consideration of whether or not the insured vehicle has been modified and the mileage. When the work location is in the city center and the insured vehicle is used for commuting, the limit of the insurance amount that can be underwritten may be reduced. If there is a history of accidents or if driving aptitude is not good, the insurance period that can be underwritten may be shortened. In any case, the setting contents of the underwriting authority have a considerable degree of freedom.

Next, an insurance business processing method performed by the terminal device 10 and the host computer 20 of the insurance business processing system of the present embodiment will be described.

The information of the agency is registered in the terminal device 10 of the agency in advance. FIG. 15 is a diagram illustrating an example of a screen for setting agency information. The agency is uniquely identified by the agency code. In addition to the information such as the address and the telephone number of the agency, the district in charge of the agency and the agency rank are input.

A method of applying for an insurance contract by the terminal device 10 of the agency will be described. FIG. 13 is a flowchart of creating an insurance contract quote by the terminal device 10. It is determined whether the insurance contract for which an estimate is to be made is a continuation of a past contract (S200). In the case of a new contract, the contract content input unit 102 inputs customer information and insurance contract content (S202). In the case of a continuation contract, the customer database operation unit 118 and the contract database operation unit 120 retrieve the previous contract information of the customer from the customer database 40 and the contract database 50 and input them to the contract content input unit 102 (S204, S206). On the screen of the terminal device 10,
The estimate calculation screen is displayed, and the contract contents can be input and corrected (S208). FIG. 16 is a diagram showing an example of the contract content input screen. When the estimation calculation is completed and the estimate creation button is pressed, the estimate creation unit 106 displays an estimate creation screen on the screen of the terminal device 10 (S21).
0). FIG. 17 is a diagram illustrating an example of the estimate creation screen. The agent of the agency writes a message to the customer in the communication column and presses a print button.

When the print button is pressed on the quote creation screen, the underwriting determination unit 104 determines whether the contract content of the quote is within the range of the agency's underwriting authority (S21).
2). If the quoted property is out of the range of the underwriting authority, the warning unit 114 displays a screen that warns that it is out of the range of the underwriting authority and requires a special application (S218). FIG.
FIG. 9 is a view showing an example of a screen for warning that the property is an insurance contract property outside the range of the underwriting authority. When the application button is pressed, an application for a special identification number is made and a quote is printed (S22
0). If you press the Cancel button, the application ends abnormally without applying for a special number. In addition, the underwriting determination unit 104 may determine whether or not the estimated property is a property prohibited from underwriting by the agency (S214). If the quoted property is an underwriting prohibited property, the warning unit 114 displays a screen shown in FIG. 20 for warning that the property is an underwriting prohibited property (S216). When the "return" button is pressed, the process returns to the contract content input processing S208.

FIG. 14 is a flow chart of the insurance contract application form created by the terminal device 10. The agent in charge of the agency inputs information such as the quote number and customer name of the insurance contract for which an application is to be made to the terminal device 10, and the customer database operating unit 118 and the contract database operating unit 120 edit the contents of the quote. A search is made from the customer database 40 and the contract database 50 (S240). The content of the customer's quote is displayed on the screen of the terminal device 10 (S242), and the customer's application content can be input and corrected. (S24
4). When the input of the contract contents and the calculation of the insurance premium are completed and the application form creation button is pressed, the application form creation unit 108 displays an application form creation screen on the screen of the terminal device 10 (S24).
6). FIG. 18 is a diagram illustrating an example of an application form creation screen. The agent in charge presses a print button to print the application.

When the print button is pressed on the application form creation screen, underwriting determination section 104 determines whether or not the contract contents of the application form are within the range of the agency's underwriting authority (S24).
8). If the quoted property is out of the range of the underwriting authority, the warning unit 114 displays a message prompting the input of the special approval application because it is out of the range of the underwriting authority. The agent in charge of the agency inputs the special approval number issued by the insurance company (S25).
4). When the special identification number is input, an estimate is printed (S256). In addition, the underwriting determination unit 104 may determine whether or not the application property is an underwriting prohibited property of the agency (S250). If the quoted property is an underwriting prohibited property, the warning unit 114 displays a screen shown in FIG. 20 to warn that the property is an underwriting prohibited property (S252). When the "return" button is pressed, the process returns to the application content input processing S244.

(Embodiment 2) A second embodiment of the present invention will be described. The insurance business processing system of the present embodiment differs from the first embodiment only in that the special number is exchanged via the communication network, and therefore the description of the same configuration and operation as the first embodiment will be omitted. Only the configuration and operation different from the first embodiment will be described.

FIG. 21 is a functional configuration diagram of the terminal device 10. The terminal device 10 is different from the terminal device 10 of the first embodiment in that the terminal device 10 further includes a special number request unit 122 and a special number receiving unit 124. When the quote is created, the underwriting judgment unit 104 judges that the property is out of the range of the underwriting authority, and when the warning unit 114 warns the necessity of the special application, the special application transmitting unit 122 sends the special request to the host computer 20. Send an application message. The special number receiving unit 124 receives the special number transmitted after the host computer 20 receives the special application. The received special identification number is stored in a storage unit (not shown). When the application form creation unit 108 creates and prints an application form for a property that is out of the range of the underwriting authority, the stored special identification number is automatically input, and the application data transmission unit 112 sends the application form data together with the application form data. The special number is transmitted to the host computer 20.

FIG. 22 is a functional block diagram of the host computer 20. The host computer 20 is different from the host computer 20 of the first embodiment in that the host computer 20 further includes a special request receiving unit 220 and a special number transmitting unit 222. The special application receiving unit 220 receives the special application message from the terminal device 10 and inputs the message to the special number determining unit 208. The special number determining unit 208 determines the special number, stores it in a storage unit (not shown), and inputs the special number to the special number transmitting unit 222. The special number transmission unit 222 transmits the determined special number to the terminal device 10.

In the insurance business processing system of this embodiment,
When the terminal device 10 prepares an estimate of an insurance contract outside the range of the agent's underwriting authority, the terminal device 10 applies a special identification number to the host computer 20 using the communication network 30 and receives the special identification number from the host computer 20. , Terminal device 1
It can be stored in 0 and used when creating an application.
Therefore, it is possible to prevent a person in charge of the agency from inputting an incorrect special identification number into the terminal device 10. Further, since the special application and the special number can be received via the communication network 30, the time from the application of the special application to obtaining the special number can be shortened.

(Embodiment 3) A third embodiment of the present invention will be described. The terminal device 10 in the insurance business processing systems of the first and second embodiments may be realized by a general-purpose computer. FIG. 23 is a block diagram illustrating a hardware configuration of the general-purpose computer 600. In FIG. 23, a computer 600 has a CPU 602 and a ROM 60
4 and a program stored in the RAM 606. The input device 608 allows the computer 600
Can input data and commands.
Hard disk drive 610 as an example of a storage device
Stores setting information and a program for operating the CPU 602.

The floppy disk drive 614 reads data or a program from the floppy disk 624 and provides it to the CPU 602. The CD-ROM drive 616 reads data or a program from the CD-ROM 626 and provides it to the CPU 602. The communication interface 618 connects to the communication network 30 to transmit and receive data. The database interface 612 is
It connects to various databases 622 to transmit and receive data in the databases. Further, the computer 600 includes an interface for connecting to the display 628, and can display a screen for inputting information on the display 628.

The software executed by the CPU 602 is as follows:
It is stored in a recording medium such as a floppy disk 624 or a CD-ROM 626 and provided to the user. The software stored on the recording medium may be compressed or uncompressed. The software is installed from the recording medium to the hard disk drive 610, and the RAM 606
And is executed by the CPU 602.

The software stored and provided on the recording medium, that is, the software installed on the hard disk drive 610 has a functional configuration of a contract content input module, an underwriting judgment module, an estimate creation module, and an application creation module. Module, underwriting authority receiving module, application data transmitting module, warning module, special number input module, customer database operating module, contract database operating module, special application transmitting module, and special number receiving module. Have. Each of the modules is a computer 600
And the processing performed by the CPU 602 are the same as the functions and operations of the corresponding members in the terminal device 10 according to the first and second embodiments, respectively, and thus description thereof is omitted.

The floppy disk 624 or the CD-ROM 626 as an example of the recording medium shown in FIG. 23 includes the terminal device 1 according to all the embodiments described in the present application.
0 or a part of all the operations can be stored. Further, the host computer 2 described in the above embodiment
In the case where a part of the operation of the host computer 20 is executed by the terminal device 10 instead of the host computer 20, a part of the operation of the host computer 20 described in the above embodiment is also stored in the floppy disk 624 or the CD-ROM 626. can do.

These programs are directly stored in R
The program may be read out to the AM and executed, or may be read out to the RAM and executed once after being installed in the hard disk drive. Further, the program may be stored on a single recording medium or a plurality of recording media. Further, the information may be stored in an encoded form.

As a recording medium, a floppy disk,
In addition to CD-ROM, optical recording media such as DVD, MD
, A magneto-optical recording medium such as a PD, a tape medium, a magnetic recording medium, and a semiconductor memory such as an IC card or a miniature card. Further, a storage device such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet may be used as a recording medium, and the program may be provided to the terminal device 10 via the communication network. Such a recording medium is used only for manufacturing the terminal device 10, and the manufacture and sale of such a recording medium as a business does not constitute an infringement of the patent right based on the present application. it is obvious.

(Embodiment 4) A fourth embodiment of the present invention will be described. In the insurance business processing systems of the first and second embodiments, the host computer 20 may be realized by a general-purpose computer. The hardware configuration of the general-purpose computer is the same as that of the third embodiment shown in FIG.

The software executed by the CPU 602 of the general-purpose computer 600 is stored in a recording medium such as the floppy disk 624 or the CD-ROM 626 and provided to the user. The software stored and provided on the recording medium, that is, the software installed on the hard disk drive 610, has a functional configuration of an underwriting authority determining module, an underwriting authority transmitting module, an application data receiving module, a special identification number determining module, and the like. ,
Special number verification module, error processing module,
It has a security issuing module, an agency database operating module, a contract database operating module, a special application receiving module, and a special number transmitting module. The processes performed by the modules on the computer 600 and performed by the CPU 602 are the same as the functions and operations of the corresponding members in the host computer 20 of the first and second embodiments, respectively, and thus description thereof is omitted.

A floppy disk 624 or a CD-ROM 626 as an example of a recording medium can store some or all of the functions of the host computer 20 according to all the embodiments described in the present application. Further, when a part of the operation of the terminal device 10 described in the above embodiment is executed by the host computer 20 instead of the terminal device 10, the terminal device 1 described in the above embodiment may be used.
A part of the operation of 0 may also be stored on floppy disk 624 or CD-ROM 626.

The recording medium is used only for manufacturing the host computer 20, and it is not possible that the manufacture and sale of such a recording medium as a business constitute infringement of the patent right based on the present application. it is obvious.

The embodiments have been described above, but the technical scope of the present invention is not limited to these descriptions. It is understood by those skilled in the art that various changes or improvements can be made to these embodiments. An example of such a change will be described. In the above description, the agent or the terminal device 10 applied for the special identification number to the insurance company or the host computer 20 at the time of creating the quote, but in the case of continuing the insurance contract, the agency does not create the quote. In some cases, a continuation application may be sent to the subscriber. In such cases, the agency wants to print the application form and mail it to the customer, even before the special number is issued by the insurance company. Therefore, in the first or third embodiment, the terminal device 10 warns that a special application is required at the time of creating and printing the application form, and then permits printing of the application form. When transmitting to the computer 20, input of a special identification number may be requested. In the second or third embodiment,
The terminal device 10 may transmit the special application to the host computer 20 when creating and printing the application form.
The application form may be made printable at the time the special application is made.

As another modification, the host computer 2
0 may transmit to the terminal device 10 information on the insurance contract that is about to expire. The terminal device 10 may search the contract database 50 for information on the expiring insurance contract, and create an estimate and an application form. The host computer 20 may transmit insurance contract information, insurance payment information, and the like to the terminal device 10, and the terminal device 10 may update the information stored in the contract database 50 based on the information. Further, the host computer 20 may transmit to the terminal device 10 reference information such as a vehicle price file containing information on the vehicle required at the time of insurance underwriting and information on the same area. Using the vehicle price file, the terminal device 10 can obtain information on vehicle risk factors such as the vehicle type and the presence or absence of an airbag from the vehicle type code. Equivalent area information is information indicating the degree of danger of each area when underwriting fire insurance, and can be used as a risk factor for insurance underwriting. In addition, the host computer 20 may distribute software to be used by being installed in the terminal device 10 to the terminal device 10.

As another modified example, in a distributed computer system in which a host computer or server and a plurality of terminal devices are connected by a communication network,
The host computer or the server determines the processable range of each terminal device, notifies the terminal device, performs processing within the processable range, and processes outside the processable range,
A distributed computer system that requests permission from a host computer or a server, and when the permission is obtained, performs processing with the assistance of the host computer or the server may be configured. Further, in such a distributed computer system, transactions of articles or securities with risks may be processed, and the processable range may be varied for each terminal device so as to appropriately distribute risks. Examples of the processable range include the time during which the process may be performed, the amount of the process, the content of the process, and the like. For example, the processing amount that may be processed in one day may be determined for each terminal device, and the date and time or day of the week that each terminal device may perform processing may be determined. Further, the content of processing and the processing authority may be determined for each terminal device.

As described above, according to the insurance business processing system of the present invention, the host computer determines the underwriting authority of the insurance business for each agent, and stores the underwriting authority for each agent in the terminal device of the agent. Can be set. The terminal device of the agency performs insurance business processing within the range of the set underwriting authority, and when performing insurance business processing outside the range of the set underwriting authority, it may do so without obtaining permission from the host computer. Can not. The host computer can distribute the insurance business risk by making the underwriting authority of the agent different for each agent. Further, the host computer can appropriately adjust the manner of risk distribution by changing the underwriting authority of the agent at any time according to the change in the risk factor of the agent, the insured person, and the insured vehicle.
Therefore, the insurance business processing system according to the present embodiment allows an insurance company to appropriately diversify risks associated with insurance business. Such risk diversification management can be widely applied not only to insurance business but also to general business transactions involving risk, for example, trading of goods, finance, securities and the like.

Further, in the insurance business processing system of the present invention, when the agent in charge of the agent prepares an estimate of the insurance contract using the terminal device, a warning message is displayed when the insurance contract is out of the range of the underwriting authority. Will be displayed to inform you that an application for a special identification number is required. The agent in charge of the agency can apply for special approval at the time of creating the quote, and can obtain the special approval number required at the time of creating the application from the insurance company. In addition, the terminal device will not allow the application form for insurance contracts outside the scope of the underwriting authority to be printed without entering the special approval number. Out of scope insurance contracts are not created and application data is not sent to the insurance company or host computer. Therefore, in the sales branch, the business center, or the insurance company, the trouble of checking whether or not the content of the application form created by the agency is within the range of the agency's underwriting authority can be omitted, and office efficiency can be improved.

As described above, the insurance business processing system of the present invention can appropriately distribute the risks of insurance contracts and can efficiently perform insurance business.

As described above, the present invention has been described using the embodiments. However, the technical scope of the present invention is not limited to the scope described in the above embodiments. Various changes or improvements can be added to the above embodiment. It should be noted that such modified or improved embodiments may be included in the technical scope of the present invention.
It is clear from the description of the claims.

[0103]

As is apparent from the above description, according to the present invention, it is possible to efficiently manage and process commissioned work.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an insurance business processing system according to an embodiment.

FIG. 2 is a diagram illustrating a flow of business from application of an insurance contract to issuance of an insurance policy in the insurance business processing system.

FIG. 3 is a functional configuration diagram of the terminal device 10;

FIG. 4 is a functional configuration diagram of a host computer 20.

FIG. 5 is a diagram illustrating agency information stored in an agency database 60.

FIG. 6 is a diagram illustrating the classification of the district in charge of the agency.

7 is a diagram illustrating customer information stored in a customer database 40. FIG.

8 is a diagram illustrating insurance contract information stored in a contract database 50. FIG.

FIG. 9 is a diagram illustrating an example of an underwriting right related to an insurance amount.

FIG. 10 is a diagram illustrating an example of underwriting authority for a non-fleet class.

FIG. 11 is a diagram illustrating an example of an underwriting right for a vehicle type.

FIG. 12 is a diagram for explaining an example of underwriting authority relating to excellent discount of a fleet contract.

FIG. 13 is a flowchart of creating a quote for an insurance contract by the terminal device 10;

FIG. 14 is a flowchart of creating an insurance contract application form by the terminal device 10;

FIG. 15 is a diagram illustrating an example of a screen for setting agency information.

FIG. 16 is a diagram showing an example of a contract content input screen.

FIG. 17 is a diagram illustrating an example of an estimate creation screen.

FIG. 18 is a diagram illustrating an example of an application form creation screen.

FIG. 19 is a diagram showing an example of a screen that warns that the property is an insurance contract property that is out of the range of underwriting authority.

FIG. 20 is a diagram showing an example of a screen for warning that the property is underwriting prohibited.

21 is a functional configuration diagram of the terminal device 10. FIG.

FIG. 22 is a functional configuration diagram of the host computer 20.

FIG. 23 is a block diagram showing a hardware configuration of a general-purpose computer 600.

[Explanation of symbols]

Reference Signs List 10 terminal device 20 host computer 24 terminal device 26 office center computer 30 communication network 40 customer database 50, 70 contract database 60 agency database 80, 81 printer 90 center terminal 82 application form 84 insurance policy 86 original form 88 attachment document 102 contract contents input Unit 104 Underwriting judgment unit 106 Quotation creation unit 108 Application form creation unit 110 Underwriting authority receiving unit 112 Application data transmission unit 114 Warning unit 116 Special number input unit 118 Customer database operation unit 120 Contract database operation unit 122 Special application transmission unit 124 Special application Number receiving unit 202 Underwriting right determining unit 204 Underwriting right transmitting unit 206 Application data receiving unit 208 Special number determining unit 210 Special number matching unit 212 Error processing unit 214 Securities issuing unit 216 Agency database operation part 218 Contract database operation part 220 Special application receiving part 222 Special number transmission part

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Jiro Shimizu 1-3-1 Marunouchi, Chiyoda-ku, Tokyo Within IAI Insurance Company (AIU Insurance Company) (72) Inventor Koji Yamamoto 1 1-3-1 AI Insurance Company (AI Insurance Company) (72) Inventor Nobuki Ujita 1-3 1-3 Marunouchi Chiyoda-ku, Tokyo AI Insurance Company (AI Insurance Company) (72) Invention Person Yuji Katsukura 1-3-1 Marunouchi, Chiyoda-ku, Tokyo F-term in IAI Insurance Company (AIU Insurance Company) (reference) 5B049 AA06 BB46 CC11 DD01 DD05 EE05 FF02 FF03 FF09 GG02 GG04 GG07

Claims (25)

[Claims] 1. A host computer that performs processing by communicating with a terminal device, comprising: an underwriting authority determining unit that determines an underwriting authority for processing of the terminal device; and an underwriting authority that transmits the underwriting authority to the terminal device. A transmitting unit, when receiving a request to perform processing outside the range of the underwriting authority from the terminal device, determine whether to permit processing outside the range of the underwriting authority; A host computer comprising: a special notification unit that transmits the terminal device to the terminal device. 2. The plurality of terminal devices, wherein the underwriting authority determining unit determines the different underwriting authority for each of the plurality of terminal devices, and wherein the underwriting authority notifying unit determines whether each of the plurality of terminal devices is provided. 2. The host computer according to claim 1, wherein the underwriting authority determined for each of the terminal devices is transmitted. 3. The underwriting authority determining unit periodically updates underwriting authority of the plurality of terminal devices, and the underwriting authority communication unit transmits the updated underwriting authority to the plurality of terminal devices. The host computer according to claim 2, wherein: 4. An application data receiving unit that receives application data of a contract created by the terminal device based on the underwriting authority; and a contract document of the contract based on the application data received by the application data receiving unit. 4. The host computer according to claim 3, further comprising: a security issuing unit that generates the certificate and transmits the certificate to the terminal device or a user of the terminal device. 5. The special approval unit for permitting a process outside the range of the underwriting authority when the terminal device requests the agent to apply for a contract outside the range of the underwriting authority. Transmitting a number to the terminal device, the application data receiving unit receiving the application number of the contract together with the application data of the contract from the terminal device of the agency, the accession number collation for matching the accession number. Further comprising: if the collation of the special identification number collating unit is successful, the securities issuing unit creates the contract of the contract and transmits the contract to the terminal device or a user of the terminal device. The host computer according to claim 4, characterized in that: 6. The host according to claim 4, wherein the contract is an insurance contract created by an agent outsourced to use the terminal device, and the contract is an insurance policy. Computer. 7. The underwriting authority includes a range of insurance types that can be underwritten by the agency, a limit of an insurance amount that can be underwritten by the agency, an insurance period, and a discount class for each of the insurance types. 7. The host computer according to claim 6, wherein at least one is determined. 8. The host computer according to claim 7, wherein the underwriting authority differs depending on a risk factor of the agent. 9. The agent's risk factors include: the agent's premium income, loss ratio, business efficiency, business district,
9. The host computer according to claim 8, wherein the host computer is at least one of office work accuracy, legal compliance, insurance premium settlement, employee level, and insurance company contribution. 10. The host computer according to claim 7, wherein the underwriting authority differs depending on a risk factor of a policyholder or an insured of the insurance contract. 11. The risk factor information of the contractor or the insured includes the age, occupation, address, work location, smoking status, number of dependents,
The host computer according to claim 10, wherein the host computer is at least one of accident histories. 12. The host according to claim 10, wherein the insurance contract is a car insurance contract, and the underwriting authority is different depending on a risk factor of a vehicle covered by the car insurance contract by the contractor. Computer. 13. The vehicle according to claim 12, wherein the risk factors of the vehicle are at least one of a vehicle type, an accident history, whether or not the vehicle has been modified, a mileage, whether or not there is an attached device, and a manufacturer of the vehicle. The host computer as described. 14. A terminal device of an agency that communicates with a host computer and performs a business process, wherein the underwriting right receiving unit receives the underwriting right of the business from the host computer, and inputs the contents of a contract of the customer. An input unit, an underwriting determination unit that determines whether the contract content input by the input unit is within the range of the underwriting authority, and that the underwriting determination unit determines that the contract content is within the range of the underwriting authority. An application form creation unit for creating an application form for the contract based on the content of the contract when determined, and application data transmission for sending application data of the application form created by the application form creation unit to the host computer And a terminal device. 15. The application form creation unit does not create an application form for the contract when the underwriting determination unit determines that the contents of the contract are out of the range of the underwriting authority. 15. The terminal device according to 14. 16. When the underwriting judgment unit judges that the contract content is out of the range of the underwriting authority, the underwriting judgment unit judges that the contract content is out of the range of the underwriting authority and requires permission. The terminal device according to claim 14, further comprising a warning unit that warns a user of the terminal device. 17. The underwriting right receiving unit receives information on an underwriting prohibited range that defines a range of a contract for which underwriting is prohibited, together with the underwriting right, and the underwriting determining unit determines that the insurance contract has the underwriting right. If the insurance contract is out of the range, it is determined whether or not the insurance contract is within the underwriting prohibited range.The warning unit is configured to determine whether the insurance contract is in the underwriting prohibited range when the underwriting determining unit determines that the insurance contract is in the underwriting prohibited range. The user of the terminal device is warned that the underwriting is prohibited, and if the underwriting determination unit determines that the underwriting is out of the underwriting prohibited range, the insurance contract is out of the range of the underwriting authority, and the permission is not granted. 17. The terminal device according to claim 16, wherein the user of the terminal device is warned that the terminal device is necessary. 18. An underwriting number input unit for inputting a special identification number of the insurance contract out of the range of the underwriting authority, wherein the underwriting determining unit determines that the insurance contract is out of the range of the underwriting authority. In this case, the application form creation unit creates the application form when the special number is input by the special number input unit, and does not create the application form when the special number is not input, 17. The terminal device according to claim 16, wherein the application data transmitting unit transmits the application data to the host computer together with the special identification number when the application form creating unit creates the application form. 19. When the underwriting judgment unit judges that the contract is out of the range of the underwriting authority, a message requesting a special identification number for the contract out of the range of the underwriting authority is transmitted to the host computer. A specialty application transmitting unit for receiving the specialty number, and a specialty number receiving unit for receiving the specialty number from the host computer, wherein the application form creating unit receives the specialty number when the specialty number receiving unit receives the special number. When the special form number receiving unit does not receive the special form number, the application form is not created, and the application form data transmitting unit is configured when the application form creating unit creates the application form. 17. The terminal device according to claim 16, wherein the application form data is transmitted to the host computer together with the special identification number. 20. A distributed computer system in which a host computer and a terminal device are connected by a communication network, wherein the host computer determines a processable range for each of the terminal devices; A notification unit that transmits to the device, the terminal device, a reception unit that receives the processable range, a process determination unit that determines whether the process performed by the terminal device is within the processable range, A request unit for requesting the host computer for assistance in performing the process outside the processable range; and a process obtained based on the assistance of the host computer in the case of performing the process outside the processable range. A distributed computer system comprising: 21. When the terminal device requests the assistance from the terminal device, the host computer determines whether or not the terminal device should execute the processing, and transmits a determination result to the terminal device. The terminal device further includes a determination result receiving unit that receives the determination result from the host computer, and performs the processing when the host computer permits the processing. 21. The distributed computer system according to claim 20, wherein 22. The process is a transaction process for trading goods or securities, and the host computer stores, for each of the terminal devices, data indicating a risk of the process performed by the terminal device. 22. The distributed computer system according to claim 21, wherein the unit calculates the processable range for each of the terminal devices based on the data. 23. The determining unit of the host computer periodically updates the processable range, the notifying unit notifies the terminal device of the processable range updated by the determining unit, The device, based on the notification,
23. The distributed computer system according to claim 22, wherein the processable range is updated periodically. 24. A recording medium storing a program for a host computer which performs a process by communicating with a terminal device, wherein the program comprises: an underwriting authority determining module for determining an underwriting authority of the process of the terminal device; An underwriting authority transmission module for transmitting the underwriting authority to the terminal device, and an instruction for permitting a process outside the underwriting authority range when the terminal device requests to perform a process outside the underwriting authority range. A recording medium, comprising: a special notification module that transmits the terminal device to the terminal device. 25. A recording medium storing a computer program for performing processing by communicating with a host computer, the program comprising: an underwriting right receiving module for receiving a business underwriting right from the host computer; An input module for inputting the contents of the contract, an underwriting judgment module for judging whether or not the contract contents input by the input module are within the range of the underwriting authority; and An application form creation module for creating an application form for the contract based on the content of the contract when it is determined that the application form is within the range of authority; and the host for storing application data of the application form created by the application form creation module. An application data transmission module for transmitting the application data to a computer. Media.