JP2002049762A - System and method for presenting financial product quotation and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a user to quickly receive the presentation of an insurance quotation meeting his own desired conditions with few troubles and to enable insurance companies or agents to save work and to speedily present a quotation only to a user, who satisfies the acceptance reference of its own company. SOLUTION: This system is provided with means (11 and 12) for accepting user information for an insurance estimate application presented from the user, a means (14 and 16) for collating the information of a prescribed item of the user information (leads item) with a filter item being the reference information of the acceptance/rejection of respective quotations of the insurance companies, means (15, 17 and 18A to 18C) for making an insurance company, whose collation result allows the estimation prepare a quotation, on the basis of the user information and means (12 and 11) for presenting the estimate to the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for estimating and presenting insurance, and in particular, accepts an insurance application from a user online and presents the estimation result to the user online or offline. Systems and methods with functionality.

[0002]

2. Description of the Related Art In general, insurance is more familiar to individual users as a financial product than usual.

[0003] In particular, along with the implementation of the financial liberalization policy, various types of products have been sold to one type of insurance. For this reason, individual users are in a situation where they can select insurance from themselves. Reflecting this, when purchasing insurance, it is common to order quotes in order to check the insurance contents and insurance premiums.

[0004] More specifically, the insurance conditions and premiums desired by the user are reported to the insurance company or its agent over several companies, quotes are obtained, and these are compared.

[0005]

However, at present, insurance companies only handle their own insurance products,
Under the current agency system, customarily one agency deals with insurance products from only one contract insurance company. For this reason, when contacting an insurance company (or an agency), the user pre-selects or determines a plurality of insurance products (insurance companies) themselves to be compared, and issues a quote request to each insurance company or the agency. Needed.

[0006] Therefore, it is necessary to first collect information on what kind of insurance company (agent) is available to issue a quote request. This information gathering cannot always be done in a short period of time at a time, so it becomes troublesome over time, and in the end, only one company, which is estimated to be the most suitable for yourself, has to make a quote request. It was very often that comparisons based on insurance product quotes could not be made.

[0007] Even if it is known that there are several potential insurance products, it is necessary to send a quote request to each insurance company (agent). Requesting a quote for each insurance company in this way requires a proportionate amount of time,
There was a problem that it was bothersome.

[0008] In addition, the insurance company or the agency that has received the quote request cannot respond unconditionally to the quotes of all requested users from the viewpoint of risk avoidance. For this reason, even if the user requests an estimate, the user cannot know whether or not he / she can take out the insurance unless he / she has received a notification of the estimate (impossible to estimate). For this reason,
The waiting time (number of waiting days) after requesting an estimate may be wasted.

Under these circumstances, in recent years, it has become possible to obtain quotes using telephone, facsimile, the Internet, or the like. While talking with the other party's operator over the telephone, they respond to the questions and convey necessary information, or fax a quote request form in which necessary items are filled out. In addition, an insurance company or an agency accesses a website established on the Internet, and inputs necessary items on a quote request screen that is sent.

[0010] However, even if the user makes full use of telephone, fax, and even the Internet in this way, it is often possible to save time in comparison with a face-to-face estimation request, but the user has to separately provide a plurality of insurance companies or agents. There is no change in the need to send a request for a quote.

On the other hand, when the conventional estimate presentation system is viewed from the insurance company or the agency side, it is inevitable to respond to an estimate request from each individual user. In particular, it is necessary to determine whether or not the user satisfies the insurance underwriting standards of the company, and it is necessary to make this determination for each user in the company. Performing this manually requires a corresponding amount of labor, and even if it is processed by a computer, an input operation is required, which is unsatisfactory in terms of labor and responsiveness.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned situation in the related art, and enables a user to quickly receive a quote for an insurance product (financial product) that meets his or her desired conditions with less trouble. An object of the present invention is to provide a system and method for presenting an estimate of a financial product that can be provided.

Further, according to the present invention, even in an insurance company (financial company) or an agent, labor can be saved in response to a quote request for an insurance product (financial product) from an individual user.
Another object of the present invention is to provide a system and a method for presenting an estimate of a financial product, which can promptly present an estimate only to a user who satisfies an underwriting standard of the company.

[0014]

In order to achieve the above object, according to one aspect of the present invention, a system for presenting an estimate of a financial product provides an estimate for a financial product to the user in response to an application from the user. A system for presenting, wherein a means for accepting user information provided by the user for applying for an estimate of the financial product is provided, and the reference information of estimation availability of each financial company corresponds to the reference information of the user information. Means for collating information of a predetermined item, means for causing a financial company in which the result of the collation can be quoted to create a quote for the financial product based on the user information, and means for presenting the quote to the user It is characterized by having.

Thus, the user only needs to provide the user information (including the desired condition) once. User information is
It is judged based on the estimating standard, and if this examination is passed, 1
You can get quotes from more than one financial company that meet your requirements. Therefore, labor and time can be saved. The financial company can also obtain only the information of the user who has already been examined based on the reference information on whether or not the company can estimate, so that the work of presenting the estimate can be labor-saving and more efficient.

Preferably, the receiving means and the presenting means include:
A means for receiving the user information from the user and presenting the quote to the user via a communication network. As a result, it is possible to request a quote online and receive the result of the quote online.

[0017] Preferably, the creating means may include means for sending the user information to the financial company via a communication network and receiving the quote written by the financial company via a communication network. This allows further time savings.

Further, the creating means may include means for allowing the user to select at least one financial company when there are a plurality of financial companies for which the determination result can be estimated. Thereby, a financial company can be further narrowed down according to a user's request. The creating means is, for example, means for causing at least two financial companies selected by the user to create a quote for the financial product,
The presenting means is means for presenting a quote of financial products of the at least two financial companies to the user.

Further, the presenting means may display the at least two screens on a monitor screen of the user connected online.
A means for displaying quotes of two financial companies simultaneously may be provided. This allows the user to compare the details of the estimate on the screen. To this end, it is preferable that the presenting means include means for displaying quotes of the financial products of the plurality of companies side by side on the screen of the monitor.

Further, the communication network may be the Internet connected to the user and the financial company. As a result, the user can easily make a quote request via the Internet. Note that the communication network may be at least one of the Internet connected to the user and the financial company, and a communication line using a cable or radio waves.

[0021] Preferably, the apparatus further comprises server means constructed on the Internet, and the server means functionally includes the accepting means, the determining means, the creating means, and the presenting means. In this case, it is desirable that the server means include a database storing the reference information of each of the financial companies. It is possible to store underwriting reference information of each company in a database, and update it at any time.

According to another aspect, the quote presenting system of the present invention receives user information provided by a user for applying for a quote for a financial product, and sells the financial product based on the user information. A system for presenting to the user an estimate for the financial product from the financial company that is making the estimate, the information on the predetermined items corresponding to the reference information of the user information in the reference information on whether or not the estimate is possible for each of the financial companies. And means for passing the user information to a financial company whose estimation result can be estimated for creating an estimate. According to this configuration, the same operation and effect as described above can be obtained.

In this case, preferably, the system is connected to the user and the financial company via a communication network, and the user information and the estimation data are transmitted via the communication network.

[0024] Preferably, the financial product is an insurance product, and the financial company is an insurance company that sells the insurance product. For example, the reference information used in the matching means is at least one of a plurality of categories in which the user information is classified according to the characteristics of the insurance product.
It consists of a plurality of filter items configured by selecting one item.

On the other hand, the method for presenting an estimate of a financial product according to the present invention, according to one aspect, receives user information for applying for an estimate of a financial product from a user, and based on the user information, displays the financial product. A method executed by a computer process for presenting an estimate for the financial instrument from a selling financial company to the user, wherein the reference information of estimation availability of each financial company includes the standard of the user information. Information of a predetermined item corresponding to the information is collated, and the user information is passed to a financial company for which the collation result can be quoted for creating a quote.

According to another aspect of the present invention, there is provided a method for presenting an estimate of a financial product, the method comprising receiving user information for applying for an estimate of the financial product from the user, The information is compared with information of a predetermined item corresponding to the reference information of the user information, and a financial company in which a result of the comparison can be estimated is made to prepare a quote for the financial product based on the user information. A quotation is presented to the user.

For example, the financial product is an insurance product,
The financial company is an insurance company that sells its insurance products. In this case, the reference information includes at least one filter item for each category of the user information classified according to characteristics of the insurance product.

According to the above-described method for presenting an estimate of a financial product, the same operation and effect as described above can be obtained.

Further, a recording medium according to the present invention is a computer-readable recording medium in which a process for executing any one of the above-described methods for presenting an estimate of a financial product is stored as program data.

Specific configurations and features according to other aspects of the present invention will become apparent from the following embodiments of the present invention and the accompanying drawings.

[0031]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment according to the present invention will be described below with reference to the accompanying drawings. The quote presenting system according to the present embodiment provides an insurance product as a financial product (hereinafter simply referred to as “insurance”) in response to a request from a user.
This is a system that presents an estimate. In particular, the insurance will be described using an example of car insurance.

FIG. 1 shows an outline of the hardware of this estimation presentation system, and FIG. 2 shows an outline of the processing.

As shown in FIG. 1, this quote presenting system 10 includes an Internet 11 as a communication network.
WWW server 12 connected to WWW server 1
Authorization server 1 connected to communication line 2 via communication line 13
4, a transmission / reception server 15 and a database 16. The components in the quote presenting system 10 can mutually communicate data according to a predetermined communication protocol.

The transmission / reception server 15 of the quote presenting system 10 is connected via a dedicated line 17 to estimate servers 18A, 18B, 18C of a plurality of insurance companies. The estimation server and the transmission / reception server 15 can mutually communicate data according to a predetermined communication protocol.

The Internet 11 is connected to computers (PCs) 19 of an unspecified number of users. In this computer 19, a browser for browsing Internet websites is installed. Thus, the user can access various websites on the Internet via the computer 19.

The WWW server 12 has a computer configuration including a CPU 12A and a memory 12B. For this reason, a web site (homepage) HP for receiving an estimate is constructed on the Internet 11 with the execution of the application software stored in the memory 12B.
When a user's computer 19 is connected to the WWW server 12 via the Internet 11, both
Run as a client system. This allows bidirectional data communication between the two under a predetermined communication protocol.

For this reason, a user (individual, corporation, etc.) who wants to request an insurance quote can access this website HP via the Internet 11 and make a request for an insurance quote as described later. This request is specifically made by sending various information of the user (user information: hereinafter referred to as “leases item”) requested on the website HP to the WWW server 12 (FIG. 2, step S).
1). At the same time, the WWW server 12 receives the lease item and transmits it to the approval server 14 (FIG. 2, step S2).

On the other hand, the WWW server 12 uses its software function to send quotes from one or more insurance companies sent from the approval server 14 and processed into the standard format of the system 10. The data is received, converted into screen data for side-by-side display, and sent to the user's computer 19 via the Internet (FIG. 2, step S8).

The approval server 14 is configured as a computer including a CPU 14A and a memory 14B, and performs a data collating function and a data processing function by activating application software stored in the memory 14B. The data collation function receives the lease item sent from the WWW server 12, and collates (matches) the lease item with a filter item that forms the insurance underwriting standard of the insurance company (FIG. 2, step S3). On the other hand, the data processing function receives the estimate data sent from the insurance company (or its agent; the same applies hereinafter), processes it into a standard format in the present system 10 and sends it to the WWW server 12 as described later. Send (FIG. 2, step S7).

The transmission / reception server 15 has a configuration as a computer including a CPU 15A and a memory 15B.
By the processing of the application software stored in the memory 15B, a function of processing and transmitting data to the insurance company and a function of receiving estimation data from the insurance company are exhibited. The data processing / sending function receives and encrypts the Leeds item of the user who can be quoted as a result of the collation as described above, and encrypts the quoted data. It is transmitted to 18A and 18B (FIG. 2, step S4). On the other hand, the receiving function receives and decrypts the encrypted quote data from the quote servers 18A and 18B of one or more insurance companies that have requested the quote, and sends the data to the approval server 14. (FIG. 2, step S6).

The database 16 includes a computer including a CPU 16A and a memory 16B and a storage device 16C capable of reading and writing a large amount of data. For this reason,
By the processing of the application software stored in the memory 16B, data can be read / written in the storage device 16C, and the approval server 14 and the transmission / reception server 1
5 can perform data communication with each other. The storage device 16C functions as a memory means of the database 16. In this device, a filter item which constitutes an underwriting standard of many insurance companies (company which sells automobile insurance and life insurance) is provided for each company. Stored. For this filter item, the item itself and / or content (criteria)
Can be updated at any time.

On the other hand, the quote server 18A-1 of the insurance company
8C has a configuration as a computer including a CPU 18X and a memory 18Y, respectively. The reception processing, estimation, and transmission processing are performed by software processing based on the program stored in the memory 18Y (FIG. 2, step S5). Specifically, each estimation server 18A (~
18C) receives and decrypts the user information (lease item) encrypted and transmitted from the transmission / reception server 15,
An estimate is made according to the user information, and the result is encrypted and sent back to the transmission / reception server 15.

FIGS. 3 and 4 show examples of lease items (user information) of automobile insurance sold by a certain insurance company. The Leeds items are categorized according to the nature of the insurance being car insurance.

That is, the Lease items include, for each category, 1. 1. Items indicating management information (lease number, transmission source, transmission destination, etc.); Items representing personal information (last name, first name, address,
2. E-mail address, telephone number, etc.) 3. Items indicating driver information for the number of drivers (driver number, date of birth, gender, color of license, history of license suspension / license cancellation in the past three years, etc.); Items that indicate car information (first registration date, car manufacturer name, car name, specifications, model, shape, vehicle type, vehicle rate class, indemnity rate class, one-way distance for commuting / commuting, airbag, ABS, impact safety 4. Body, anti-skid device, anti-theft device, 4WD, etc.) Current securities information (current non-fleet grade, personal liability insurance, objective liability insurance, passenger accident insurance, current insurance company, number of accidents, personal injury, personal injury, personal injury, uninsured claims And the number of cases), and 6. Insurance coverage (contract form, planned contract start date, vehicle insurance type, vehicle insurance amount, vehicle / deductible amount, personal liability insurance amount, personal injury compensation amount, family motorcycle special contract, youngest driver age, etc.) There is.

A table is attached to a predetermined item among the lease items, and the user selects and inputs a number from the table.

FIGS. 5 to 7 show examples of filter items for filtering (collating) predetermined items of the lease items described in FIGS. 3 and 4 set by a certain insurance company.

This filter item is set for collating and judging whether or not the contents of the main items of the lease item provided by the user match the condition contents required by this filter item. For this reason, the filter items correspond to the underwriting standard of the automobile insurance for the insurance company to avoid a certain level of risk. The number and contents of the filter items can be updated as appropriate, and can be set independently for each company. When a predetermined item among the lease items passes the filter item as described later, the entire lease item is subjected to the next estimation presentation processing.

Specifically, the filter items are classified into categories according to the characteristic that the insurance is car insurance. In other words, the filter items include
1. Driver characteristic information filters (restriction on driver age (underwriting suppression target [high age]), restriction on driver age (underwriting suppression target [young age], occupation as underwriting suppression target, etc.),
2. 2. Accident-related information filter (limit of the number of accidents (number of claims), number of accidents, etc.); 3. Vehicle information filter (limit of vehicle initial registration date, limit of commuting distance to school, model, etc.), and There is a contract / guarantee coverage information filter (vehicle insurance insurance limit, personal injury compensation insurance insurance limit, etc.).

Each of the filter items has a condition of “>, <, =, or ≠” (column C in FIGS. 5 to 7) with respect to each reference value.
ND). Therefore, for example, in the driver characteristic information filter, one of the items is “restriction on driver age (underwriting suppression target of filter item 1-1 [high age])> age determined from lease item 3-2”. Then, for this one item, it means that the lease item has passed the filter item. For example, in the accident-related filter, if one of the items is “the number of occurrences of the accident of the filter item 2-4> the number of occurrences of the accident of the lease item 5-9”,
For this one item, the lease item has passed the filter item.

As described above, for each filter item, it is determined whether or not the corresponding item among the lease items satisfies the condition. In this collation / judgment, the judgment as to whether or not to make an estimate unless all the filter items pass can be arbitrarily set for each company. For example,
As long as even a heavy predetermined item among the filter items passes, an algorithm may be adopted in which an estimate is created by increasing the insurance premium.

Next, referring to FIGS. 8 to 35 and FIG. 2, when the user makes a request for quote for car insurance to the system 10 online and receives a quote from the system 10 online or offline. The operation of the system 10 will be described using the processing flow of FIG.

First, the user accesses the estimate receiving website HP launched by the WWW server 12 of the estimate presenting system 10 from his / her computer 19 via the Internet 11. With this access, a front screen (not shown) of the site HP is displayed on the user's computer 19, and a button for requesting an estimate is clicked on this page screen.

In response to this click, the processing schematically shown in FIG. 8 is started. Steps P11 to P1 in FIG.
7. The processing of P20 to P28 is performed by the user's computer 19.
And the WWW server 12 are executed interactively, while the processes of steps P18 and P19 are executed by the approval server 14.

In response to the above-mentioned user's click, a confirmation screen shown in FIG. 9 is displayed on the user's computer 19 (FIG. 8, step P11). This confirmation screen allows the user and the system to confirm precautions, contract items, disclaimers, and the like when using the present quote presenting system 10.

When the user clicks the "Yes" button on this confirmation screen to indicate that he / she has approved the displayed items, the computer 19 changes to the start screen shown in FIG. 10 (FIG. 8, step P12). . On this start screen, the approximate time required for entry for making an estimate request, the presence or absence of an estimate, the timing of the presentation, and the like are displayed.

The start screen is provided with buttons for "first-time users" and "registered users" so that either one can be selected. The user who has already registered can click the latter button to display the already registered content, and change or correct the content to complete the entry.

When the user clicks the "first time" button on this start screen, the computer 1
9, a screen for inputting driver information is displayed as shown in FIGS. Therefore, the user inputs information on the driver (driver) according to the instructions on the screen (FIG. 8, step P13).

When the user finishes inputting the driver information and clicks the "next" button, a screen for inputting the information of the car is displayed as shown in FIGS. For this reason, the user inputs information on the vehicle according to the instructions on the screen (FIG. 8, step P14).

When the user finishes inputting the car information and clicks the "next" button, a screen for inputting information on the current insurance contract status is displayed as shown in FIG.
Therefore, the user inputs such information according to the instructions on the screen (FIG. 8, step P15).

When the user clicks the “Next” button on the screen of FIG. 18, a screen for inputting the conditions desired by the user is displayed as shown in FIG. For this reason, the user inputs desired conditions (starting date of desired car insurance, collateral item, insurance amount, other special conditions) to be quoted according to the instructions on the screen (FIG. 8, step P).
16).

After the user has completed the desired conditions,
When the "Next" button is clicked, a screen for inputting the information of the contact destination of the estimation result is displayed as shown in FIG. Therefore, the user inputs a destination (e-mail address, telephone number, mailing address, fax number) to which the quote is to be sent according to the instructions on the screen (FIG. 8, step P17).

When the user completes this contact information,
The approval server 14 performs matching (matching) between the lease item (see FIGS. 3 and 4) and the filter item (see FIGS. 5 to 7) for each insurance company (FIG. 8, step P18). Specifically, the approval server 14 receives the lease items from the WWW server 12, reads the filter items of each insurance company from the database 16, and, among the lease items, details of the items listed in the filter items for each company ( information)
(Matching) with the content (information) of the filter item
Are sequentially performed for each item, and this series of matching is repeated for each insurance company.

As a result of this matching, if there is at least one insurance company whose lease item has passed the filter item,
The approval server 14 determines that estimation is possible (FIG. 8, step P19).

In the case where an estimate can be made by this judgment, an estimate can be received from an insurance company (or an agency). In the present embodiment, the insurance company prepares three types of insurance estimate presentation methods. I have. The first pattern is a method in which an insurance company presents a quote result offline for a quote request. The second pattern is that a user (customer) specifies an agency to which a quote is charged when requesting a quote. The third method is a method in which an agent presents an estimation result offline, and the third pattern is a method in which an insurance company presents an estimation result offline in response to an estimation request.

The above-mentioned judgment result and insurance company information are WW
FIG. 21 (in the case of offline presentation according to the above-described first pattern), FIG. 22 (in the case of agency specification and offline presentation according to the above-described second pattern) to the user's computer 19, As shown in FIG. 23 (online according to the third pattern described above), a list of insurance companies that can be estimated is displayed (FIG. 8, step P20). For this reason, the user selects an insurance company that he / she finally wants to request a quote from the listed insurance companies by using a button or a check on the screen (FIG. 8, step P20). In particular, the user can see FIG.
In the display screen according to the second pattern shown in FIG. 3, an appropriate agency can be selected from the name and the address by the agent locator AL at the bottom of the screen. Therefore, if the user stops selecting the company at this stage, the request for quote can be stopped halfway. In addition, on the screen of the first pattern shown in FIG. 21, information on a prospective insurance contractor is input.

Then, when the user clicks the “send estimate request” button on the appropriate estimate request screens of FIGS. 21 to 23, it is determined that the lease item can be estimated from the approval server 14 via the transmission / reception server 15. It is transmitted to the estimate servers 18A and 18B of one or more insurance companies. At the same time, the transmission result is passed from the approval server 14 to the WWW server 12, and the WWW server 12 displays the screen on the user's computer 19 as shown in FIG. 24 (in the case of the offline presentation according to the above-described first and second patterns). Only shown.
The same applies to the online case according to the third pattern), and a display is made for confirmation that the user's Leeds item has been transmitted to the selected insurance company (FIG. 8, step P2).
2). At the same time, the screen also shows that the estimation result will be delivered to the user's designated destination within a few days because it is offline.

Next, user registration is performed using the screen of FIG. 25 via the WWW server 12 (step P2).
3).

On the other hand, when the determination of whether or not estimation is possible in the above-described step P19 is "impossible to estimate", the contents of the estimation inability are asked. That is, the WWW server 12 that has obtained the information about the estimation being impossible from the approval server 14 determines whether or not the estimation is impossible due to "there is no car" (step P24). If this determination is YES, that is, if the vehicle input by the user does not correspond to a vehicle type registered in the database 16, the WWW server 12 displays a message indicating that there is no corresponding vehicle as shown in FIG. (FIG. 8, step P25).

On the other hand, if the judgment in step P24 is NO, it is further judged whether or not the state is "there is no corresponding insurance company" (FIG. 8, step P26). This determination is for identifying that the insurance company itself that matches the lease item is not stored in the database 16, and is distinguished from a state where the lease item does not pass the filter item. Therefore, the determination in step P25 is YES,
That is, when there is no corresponding insurance company, the fact is displayed (see FIG. 27; FIG. 8, step P27), and the process is terminated.

Conversely, if the determination in step P26 is NO, since the lease item itself does not pass the filter item, a message indicating that estimation cannot be made is displayed (see FIG. 28), and the process ends (FIG. 8). , Step P
28).

On the other hand, after the insurance company selection process in step P21 described above, the insurance company estimate server 18
The lease data transmitted to A and 18B is subjected to estimation processing by the respective estimation servers 18A and 18B (FIG. 2, step S5).

The data of the written estimate is
E-mail (online) where the quote is presented (contact)
If it is, the data is sent to the transmission / reception server 15 again (step S6), and further processed into a standard format by the approval server (step S7).

Thereafter, the data of the quote is stored in the WWW server 1
Sent to 2. The server 12 executes, for example, data processing for displaying quotes of two companies side by side on the same screen (step S8). The quote data thus displayed and processed so as to be easily compared is sent to the e-mail address specified by the user.

Therefore, the user accesses the address of his / her own e-mail to obtain the address shown in FIG.
30) and FIG. 30
As shown in the above-mentioned online presentation in the third pattern (including the display of selected agents in the second pattern), downloading and browsing one or more quotations that meet the desired conditions Can be. Note that FIG.
In the online presentation screen of FIG.
32. A detailed confirmation screen of the online estimation result displayed by clicking the “w” button is shown in FIG. 32. In FIG. 32, the outline of the insurance company and the product / Screens showing the features of the service are shown.

In the confirmation screen shown in FIG. 31, “Request” is displayed.
When the "st Policy" button RP is clicked, contract application detailed information input screens shown in FIGS. 33 to 35 are displayed, and it is possible to proceed to an online contract.

On the other hand, when the user's estimate presentation destination (contact) is mail, telephone, or fax (offline presentation), the estimate is operated by operating the estimate presentation system 10 in accordance with the contact. Company or insurance company directly to the user.

As described above, according to the present quote presenting system 10, the user only needs to input necessary information (lease items) only once. As a result, as long as the conditions are met, it is possible to receive estimates from a plurality of companies at the same time, and to select an insurance company that is considered to be advantageous to one another in comparison with each other. In addition, depending on the desired conditions, it may not be possible to obtain an estimate from one company, but even in such a case, since such a situation is found on the spot, appropriate measures such as lowering the desired conditions can be taken immediately. . In this manner, it is possible to promptly receive an insurance quote such as a car insurance that meets the user's desired conditions with less effort.

On the other hand, it is not necessary for an insurance company or an agency to respond individually to insurance quote requests from individual users. The sent lease items have already been filtered to those of users who can accept them. For this reason, a quote may be created based on the Leeds item and sent back. Therefore, compared to the past,
Estimation work can be saved, and the estimate can be promptly presented only to users who meet their own underwriting standards.

The present invention is not limited to the above-described exemplary embodiments and modifications, and those skilled in the art will not depart from the spirit of the invention based on the contents of the claims. Modifications and changes can be made to various embodiments within the scope, and these also belong to the scope of the present invention.

For example, the method of transmitting lease item data from the quote presenting system 10 to the insurance company is not necessarily limited to a communication network through a dedicated line, but is transmitted as data that can be manually input by an operator at the insurance company. You may do so.

The financial products that can be handled in the present invention are not limited to automobile insurance, but may be life insurance, accident insurance and the like. Further, another type of financial product may be used. Financial companies include banks.

[0082]

As described above, according to the quote presenting system and method thereof of the present invention, a user can input financial information such as insurance products that meet his or her desired conditions by inputting user information once. You can receive a quote promptly. On the other hand, even at a financial company such as an insurance company or its agent, it is possible to greatly reduce the work required for individual users to request a quote for financial products, and only to those who meet their underwriting standards. You can quickly give a quote.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a schematic configuration of a quote presentation system according to an embodiment of the present invention.

FIG. 2 is a flowchart showing an outline of processing by the estimation presentation system.

FIG. 3 is a diagram exemplifying a Leeds item in the case of car insurance.

FIG. 4 is a view showing an example of a Leeds item in the case of car insurance, together with FIG. 3;

FIG. 5 is a diagram exemplifying filter items in the case of car insurance.

FIG. 6 is a diagram exemplifying filter items in the case of car insurance together with FIG. 5;

FIG. 7 is a diagram exemplifying filter items in the case of car insurance together with FIG. 5;

FIG. 8 is a flowchart showing an outline of processing on the system side when a user issues a quote request to a quote presentation website.

FIG. 9: 1 presented to the user when making an estimate request
Screen illustration.

FIG. 10 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 11 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 12 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 13 is a diagram of another screen presented to the user when issuing an estimate request.

FIG. 14 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 15 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 16 is a view of another screen presented to the user when issuing a quote request.

FIG. 17 is a diagram of another screen presented to the user when making an estimate request.

FIG. 18 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 19 is a view of another screen presented to the user when issuing an estimate request.

FIG. 20 is a diagram of another screen presented to the user when making an estimate request.

FIG. 21 is a diagram of another screen (offline) presented to the user when issuing a quote request.

FIG. 22 is a diagram of another screen presented to the user when making an estimate request (offline).

FIG. 23 is a diagram of another screen presented to the user when making an estimate request (online).

FIG. 24 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 25 is a diagram of another screen presented to the user when making an estimate request.

FIG. 26 is a diagram of another screen presented to the user when issuing an estimate request.

FIG. 27 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 28 is a diagram of another screen presented to the user when issuing a quote request.

FIG. 29 is an example of a screen showing an estimation result presented to a user in response to an estimation request (offline).

FIG. 30 is an example of a screen showing an estimation result presented to a user in response to an estimation request (online).

FIG. 31 is a diagram showing one of the detailed content confirmation screens of the estimation result (online).

FIG. 32 is a diagram showing another example of the detailed content confirmation screen of the estimation result (online).

FIG. 33 is a diagram of a contract application detailed information input screen.

FIG. 34 is a diagram of a contract application detailed information input screen.

FIG. 35 is a diagram of a contract application detailed information input screen.

[Explanation of symbols]

 Reference Signs List 10 Estimation presentation system 11 Internet 12 WWW server 13 Communication line 14 Authorization server 15 Transmission / reception server 16 Database 17 Dedicated line 18A-18C Insurance company's estimation server 19 User's computer 12B, 14B, 15B, 16B Memory (recording medium)

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 314 G06F 17/60 314 318 318A 330 330 19/00 300 19/00 300J 300N F term (reference 5B049 AA05 BB32 BB47 CC05 CC08 CC11 DD01 DD05 EE01 FF03 FF04 FF09 GG04 GG07 GG10 5B055 BB20 CC05 CC10 EE02 EE17 EE21 EE27 FA08 FB03 JJ05 PA02 PA34 PA38

Claims (20)

[Claims] 1. A system for presenting an estimate for a financial product to a user in response to an application from a user, comprising: means for receiving user information provided by the user for an estimate application for the financial product; Means for comparing predetermined information corresponding to the reference information of the user information with reference information of the estimation availability of the financial information, and a financial company for which the result of the comparison can be estimated to the financial company based on the user information. A financial product quote presentation system, comprising: means for creating a quote; and means for presenting the quote to the user. 2. The system according to claim 1, wherein the receiving unit and the presenting unit receive the user information from the user and present the quote to the user via a communication network. A financial product estimate presentation system, characterized by being a means. 3. The financial product quote presenting system according to claim 2, wherein the creating unit sends the user information to the financial company via a communication network and receives the quote written by the financial company via a communication network. A financial product quote presentation system characterized by comprising means. 4. The system according to claim 3, wherein said creating means selects at least one financial company for said user when there are a plurality of financial companies for which said determination result can be estimated. A system for presenting an estimate of a financial product, the system comprising: 5. The financial product quote presenting system according to claim 4, wherein the creating unit is a unit that causes at least two financial companies selected by the user to create a quote for the financial product. The means is a means for presenting a quote of financial instruments of the at least two financial companies to the user. 6. The financial product quote presentation system according to claim 5, wherein the presentation means has means for simultaneously displaying the at least two quotes on a screen of a monitor of the user connected online. A financial product quote presentation system characterized by the following. 7. The financial product quote presenting system according to claim 6, wherein the presenting means has means for displaying the quotes of the financial products of the plurality of companies side by side on the monitor screen. Financial product quote presentation system. 8. The financial product quote presentation system according to claim 1, wherein the communication network is the Internet connected to the user and the financial company. Estimate presentation system. 9. The financial product quote presentation system according to claim 1, wherein the communication network is connected to the user and the financial company via the Internet, and communication based on a cable or a radio wave. A financial product quote presentation system characterized by being at least one of lines. 10. The system for presenting an estimate of a financial product according to claim 8 or 9, further comprising: server means constructed on the Internet.
The server means functionally includes the accepting means, the determining means, the creating means, and the presenting means. 11. The financial product quote presenting system according to claim 10, wherein said server means comprises a database storing said reference information of each of said financial companies. 12. Receiving user information provided by a user for applying for a quote for a financial product, and, based on the user information, obtaining a quote for the financial product from a financial company that sells the financial product. A means for comparing predetermined information corresponding to the reference information of the user information with reference information of estimation availability of each of the financial companies; Means for delivering the user information to the company for the purpose of creating an estimate. 13. The financial product quote presentation system according to claim 12, wherein the system is connected to the user and the financial company via a communication network, and the user information and the quote data are stored in the communication network. A financial product quote presentation system, which is transmitted via the Internet. 14. The system according to claim 1, wherein the financial product is an insurance product, and the financial company is an insurance company that sells the insurance product. Characteristic financial product quote presentation system. 15. The financial product estimate presentation system according to claim 14, wherein the reference information used by the matching means is at least for each category from a plurality of categories in which the user information is classified according to characteristics of the insurance product. A financial product quote presenting system comprising a plurality of filter items configured by selecting one item. 16. Receiving user information for a quote application for a financial product from a user, and based on the user information,
A method executed by a computer process for presenting an estimate for the financial instrument from a financial company that sells the financial product to the user, wherein the user information is included in reference information on whether or not the financial company can estimate. A method for presenting an estimate of a financial product, comprising: comparing information of a predetermined item corresponding to the reference information of the above; . 17. A computer-implemented method for presenting an estimate for a financial instrument to a user in response to an application from a user, the method comprising: receiving user information from the user for an quote application for the financial instrument; The information of a predetermined item corresponding to the reference information of the user information is collated with the criterion information of the estimation possibility of each company, and the collation result of the financial product is determined based on the user information to a financial company in which the collation result can be estimated. A method for presenting a quote for a financial product, comprising: creating a quote and presenting the quote to the user. 18. The method according to claim 16, wherein the financial product is an insurance product, and the financial company is an insurance company that sells the insurance product. How to present a quote. 19. The method according to claim 18, wherein the reference information includes at least one filter item for each category of the user information classified according to the characteristic of the insurance product. How to present a quote for a featured financial product. 20. A computer-readable recording medium storing, as program data, a process for executing the method for presenting an estimate of a financial product according to claim 16. Description: