JP2002133098A - Method and system for proceeding insurance contract by using portable telephone set and the like - Google Patents

Abstract

PROBLEM TO BE SOLVED: To set an insurance contract to be a remarkably simplified procedure and to remarkably speedily complete the procedure. SOLUTION: In insurance contract proceeding method/system, an insurance company or an agent transmits contract information to a customer terminal through the communication network of the Internet and the like based on insurance contract application information from a customer. Only an article and special contract article, which are required for the contracted insurance content, among contract information transmitted to a customer terminal are transmitted. The insurance company or the agent make the customer refer to contract information transmitted to the customer terminal through the communication network of the Internet and the like in accordance with the request of the customer. Thus, an insurance company side can save transmission cost and can make contract procedure cost to be inexpensive. A customer side can hold a considerably simple insurance security set since only required article and special contract article are given.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance contract procedure method and system using a mobile phone or the like. Here, insurance contracts, etc. are insurance contracts, insurance purchases, transfer claims (mid-career participation, withdrawal, increase in insurance amount,
Reduction of insurance amount, addition of collateral item, deletion of collateral item, addition of covenant, deletion of covenant, increase of security risk, reduction of security risk, change of occupation / duties, extension of insurance period, shortening of insurance period, insurance The term includes a notice of cancellation of a contract, a notice of insurance participation, a notice of a change of an insured person, a notice of a change in the address of a policyholder, a notice of a change in the name of a policyholder, and a notice of other corrections.

[0002]

2. Description of the Related Art In general, procedures for accident insurance, fire insurance, automobile insurance, golfer insurance and the like are performed in the following procedure. (1) Distribution of “bookmark of contract” from insurance company or agency (2) Creation and entry of insurance contract application form by insurance policyholders (self-signed seal is also required) (3) Application form by insurance company employee or agency Check the items described, and determine whether or not to accept (4) A method of mailing or handing insurance policy (insurance contract certificate) or insured person certificate, insurance premium receipt, and terms and conditions to the policyholder or insurance subscriber from the insurance company Here, the insurance policy means a policy issued by an insurance company or its agent as proof of insurance participation, such as a contract certificate, an enrollment certificate, an insured person certificate, etc., in addition to an insurance policy.

[0003]

However, the current insurance contract procedure as described above has problems or inconvenience in the following points. (1) Since the exchange (hand exchange, mail) of paper documents continues, it often takes time to underwrite insurance. (2) Terms and conditions are papers with a lot of volume, and they often feel inconvenient in terms of portability. (3) In the case of travel accident insurance, if you do not carry the agreement with you when you travel (if you leave it at home), you will not be able to easily see the agreement if necessary. Inconveniences such as not being able to see the terms and conditions are often encountered. (4) The terms and conditions are in the form of a booklet due to printing, so unnecessary special provisions are included in the contract, so there is a lot of waste of paper width, and a large number of provisions are entered in a small booklet. For this reason, the characters are often extremely small, and are often very difficult to read.

In particular, in travel accident insurance, insurance policy sets (insurance policies, premium receipts or insurance contracts and premium receipts, and covenants, special provisions, emergency contact information, partner hospitals, claim agents (overseas insurance payments) It is necessary to carry places (contact agencies, other service contents, etc.) to travel destinations. Therefore, it was inconvenient for a traveler to carry a thick booklet, despite wishing to travel as lightly as possible. In addition, it often happens that the booklet is lost at the travel destination, and if there is any injury or illness, it will be difficult to contact the insurance company, determine whether or not to pay the insurance, and understand the insurance claim procedure. Sometimes it happened. (5) If you have contracted or joined many insurance lines, some of them have expired insurance policies, insurance policies,
Terms and conditions are scattered and complicated processing is required for the customer to sort out only valid insurance policies.

It is an object of the present invention to provide a method and a system for insurance contract procedures which can solve the problems in the conventional insurance contract procedures as described above.

[0006]

According to one aspect of the present invention, an insurance contract or the like for making an insurance contract between a customer and an insurance company or agent includes the steps of: An insurance contract procedural method characterized by transmitting contract information to a customer terminal via a communication network such as the Internet based on application information such as an insurance contract from a customer.

[0007] According to one embodiment of the present invention, of the contract information transmitted to the customer terminal, only the clauses and special provisions necessary for the contracted insurance content are transmitted.

[0008] According to another embodiment of the present invention, the insurance company or the agent browses the contract information transmitted to the customer terminal through a communication network such as the Internet in response to the customer's request. It can be so.

According to another aspect of the present invention, in an insurance contract procedure system for making an insurance contract between a customer and an insurance company or agent, the insurance company or agent and the customer terminal are connected to the Internet or the like. A server for connecting via a communication network is provided, and the server is linked with a contract database, a terms and conditions database and a special terms database, and the server is provided with insurance from customers held in the contract database. On the basis of contract application information, necessary information is read from the article database and, if necessary, the special clause database to create contract information, which is transmitted to the customer terminal via the communication network. An insurance contract procedure system is provided.

[0010] According to one embodiment of the present invention, the server performs control such that, out of the contract information transmitted to the customer terminal, only the terms and conditions necessary for the contracted insurance content are included. .

[0011] According to another embodiment of the present invention, the server transmits the contract information transmitted to the customer terminal,
In accordance with a request from the customer, control is performed so that the customer can browse through a communication network such as the Internet.

According to yet another embodiment of the present invention,
The contract database includes a first contract database and a second contract database.
The first contract database is linked to a host computer (computer for managing insurance contracts by an insurance company), the second contract database is linked to the server, and the server It is possible to provide a home page on which a contract can be applied and contract information can be browsed, and that contract information of a customer applied through the home page is written in the first contract database, and the host computer is written in the first contract database. The server performs an operation of extracting only the contract information to be transmitted in batches from the contract information of each customer to the second contract database, and the server transmits the contract information of each customer in the second contract database almost simultaneously to each customer. Control to transmit to the terminal is performed.

According to yet another embodiment of the present invention,
The contract database includes a third contract database, and the third contract database is linked to the server, and the server can provide a homepage on which a customer can apply for an insurance contract and browse contract information, The contract information of the customer applied through the homepage is written in the third contract database,
The server performs control to transmit the customer contract information written in the third contract database to the customer terminal in real time.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be described in more detail with reference to the accompanying drawings according to embodiments and examples of the present invention.

FIG. 1 is a schematic diagram for explaining the overall procedure of the insurance contract procedure procedure according to the present invention. In the insurance contract procedure method of the present invention, a customer 1 who wants to take out insurance applies for insurance directly to the insurance company 2 or to an agent 3 of the insurance company. In FIG. 1, arrow A
Shows a procedure in which the customer 1 applies for insurance directly to the insurance company 2 or to the agency 3. The application for insurance by the customer can be made on a conventional paper basis, but can also be made using an appropriate customer terminal such as a personal computer or a mobile phone via a communication network such as the Internet as described later. In this case, as the customer terminal that can be used, a device capable of Internet communication owned by a policyholder such as a customer, for example, a mobile phone, a portable information terminal, a two-way communication TV, a telephone with an Internet function, a digital home appliance, Car navigation systems, general personal computers, etc. are conceivable.

The customer 1 who applied for insurance in this way
Communicates an insurance payment request to the financial institution 4 such as a bank or a credit company as shown by an arrow D. The financial institution 4 that has received such a request for insurance premium payment from the customer 1 moves from the account 41 of the policyholder who is the customer to the account 4 of the insurance company.
2. Payment of insurance premium by transfer to credit card, credit card, debit card, electronic wallet, or other settlement. When the insurance premium is paid to the account 42 of the insurance company in this way, the insurance company 2 is notified as shown by the arrow F. In this case, in the case of insurance sales by the agency 3, the insurance company 2 sends the fee payment and the settlement of accounts to the agency 3 by e-mail as shown by an arrow G.

When the customer 1 receives the insurance premium, the insurance company 2 or the agent 3 sends the customer 1 the contents to be written in the insurance receipt, insurance policy, etc. by e-mail. Substitutes for receipts of insurance premiums, insurance policies, covenants, special provisions, and issuance of various ancillary service contacts. In FIG. 1, an arrow B indicates such a procedure in the case where the insurance company 2 or the agent 3 performs the process on the customer 2. Details of such a procedure will be described later.

As indicated by an arrow E, in the case of electronic wallet, credit card, and debit card processing using a mobile phone, the card company is operated by the Internet communication from the mobile phone or information terminal of the agency 3 (or the insurance company 2). Alternatively, there is a procedure of transferring an insurance premium amount from the account 41 of the policyholder who is the customer 1 to the account 42 of the insurance company in the Internet-only bank.

The customer 1 who has completed the insurance contract procedure in this way always accesses the homepage of the insurance company or the agency as shown by the arrow C, and always obtains the contents of the contract (similar to an insurance policy or the like). Can be browsed. The details of such a procedure will also be described later.

In the case of an insurance group contract or a comprehensive contract, in the above description, the insurance policy is read as a membership card or an insured card. In addition, the settlement of insurance premiums includes collection of insurance premiums and the like using salary check-off or a collection agency.

Next, the details of the insurance application procedure indicated by arrows A and B in FIG. 1 and the procedure for transmitting the insurance receipt, insurance policy, agreement, etc. to the customer will be described with particular reference to FIGS. 2 to 4. explain.

First, when a customer who wants to join insurance accesses a homepage established by an insurance company or an agency,
A customer application screen as illustrated in FIG. 2 is displayed on the customer terminal used, such as a personal computer or a mobile phone. More specifically, when the customer answers a question on the homepage as to what insurance he wants to subscribe to, the screen shown in FIG. 2 is displayed. In the case of this example, this is an application screen displayed when the customer answers that he / she wants to take out overseas travel accident insurance.

The customer enters his / her desired period and name in the “insurance period” and “insured” fields displayed on this customer application screen. "Death after death", the type of insurance amount,
Numerical values such as “Injury treatment”, “Illness treatment”, “Illness mortality”, “Liability”, “Luggage”, “Rescuer cost”, etc. can be obtained by entering the specified code in the “Type name” column. , Can also be selected. In the example of the screen of FIG. 2, the case where the code 30 of the type name is selected, each numerical value is automatically displayed, and the customer need only confirm those numerical values. Furthermore, the customer can also make a selection as to whether he / she wants a “special clause” or the like. Further, the customer also inputs his / her telephone number, personal identification number, e-mail address and the like. Then, the customer confirms the display content on the screen, and finally clicks “apply”. Then, the insurance payment procedure is performed according to the procedure described in FIG. Thereby, the procedure of the customer's insurance application is completed. In the case of an insurance contract other than the Internet (conventional paper-based application), such data is manually input into a predetermined application form.

FIG. 3 schematically shows the contents of the work on the insurance company server that has received the customer application as described with reference to FIG. The insurance company-side server organizes and prepares “insurance certificate / premium receipt” based on the application details of the customer, and automatically transmits the receipt to the customer terminal. FIG. 4 shows an example of the customer's “insurance policy / premium receipt” screen transmitted in this way. Hereinafter, a method by which the insurance company server creates such a screen will be described in detail.

The insurance company server automatically sorts out the insurance policy and premium receipt by the following three methods based on the general insurance contract and special provisions stored in the server.
Attach to Method 1: Select general insurance agreements by insurance line code (08 for overseas travel accident insurance). Method 2: If there is a number in the insurance amount column, select a special contract clause according to that. Method 3: Select a special agreement by the code of the special agreement to be attached (eg, “F9”).

The case of the contents of the customer application screen as illustrated in FIG. 2 will be described.
According to Method 1, attach “Overseas Travel Accident Insurance General Insurance Terms and Conditions”, and according to Method 2, attach “Disease Treatment Cost Security Special Terms” and “Disease Danger Risk Security Special Terms”. Airline Delay Cost Security Guarantee ''
Is attached.

The customer can download the attached document transmitted by e-mail from the insurance company as described above, or can print out the document and save it as an insurance policy set.

Next, the procedure by which the customer browses his or her contract as shown by arrow C in FIG. 1 will be described in detail with particular reference to FIGS. The policyholder who has completed the insurance contract procedure with the insurance company in the procedure described above, if he wants to check his or her own contract contents,
If you do not have those documents at hand, you can browse your contract by accessing the insurance company's website.

When it is necessary to confirm the contents of the contract, the customer accesses the insurance company's homepage and calls the contract contents browsing search screen. FIG. 5 shows an example of the contract content browsing search screen. The customer inputs a name, a telephone number, a password, and an e-mail address on the contract content browsing search screen, and clicks the search. Then, the insurance company server specifies the name of the customer from the above four items entered by the customer,
A screen for personal identification as shown in FIG. 6 is displayed on the customer terminal. The customer inputs his / her own Q & A registered at the beginning of the first insurance contract on the screen shown in FIG. 6, and clicks “confirm”. After confirming the identity of the user at the insurance company server, a customer contract list screen as illustrated in FIG. 7 is displayed as the next screen. Here, “Yamaha” and “Green” are shown as examples of the input of the Q & A unique to the user, but the method of verifying the user in the present invention is not limited to this. Such a Q & A input is effective in preventing another person from impersonating the person and making an inquiry.

When the customer clicks on the securities number on the screen shown in FIG. 7, a detailed screen of the contract details appears. As an example, a screen similar to the “insurance policy and premium receipt” of the overseas travel accident insurance illustrated in FIG. 4 is displayed. That is,
The customer can see a screen similar to that sent by email at the beginning of the contract. Clicking on an item on the screen, similar to the screen of “Insurance Policy and Premium Receipt” in FIG. 4, displays a description screen for the same item. Clicking on the destination phone number automatically dials up.

In this way, the customer can view “details of contract contents”, that is, “receipt of insurance policy and premium” from the insurance company's website, and can also download and save the contents of the screen at all times. When the insurance company's homepage is accessed and the contents of the contract are viewed, a notification is automatically sent to the registered e-mail address. This is to make it possible to recognize a person even when another person impersonates and browses.

At the end of the insurance period, the server can automatically notify the customer of this fact. This notification may be made by displaying an indication on the viewing screen whether the insurance is currently valid. The server deletes the insurance contract from the viewable area after a lapse of a predetermined period after such notification.

Next, the operation of sending contract information as shown by arrow B to the customer by e-mail in FIG. 1 will be described in more detail. As such a transmission form, there are two kinds of forms, a batch transmission type and a real transmission type.

First, the batch transmission type will be described.
FIG. 8 is a schematic diagram of sending a batch transmission type mail of contract information. In the batch transmission type, contracts of a plurality of customers who have applied to the agency 3 or the like are grouped together and contract information is transmitted to each customer almost simultaneously by e-mail. The agent 3 records the contract from each customer who has made a contract application to the insurance company 2 as a contract.

The insurance company 2 has a host computer 21
And a server 23. A first contract database 22 is linked to the host computer 21, and a second contract database 24,
Terms database 25 and special terms database 26
Are linked. The first contract database 22 is a contract database managed by the host computer 21 and stores contract information of each customer recorded as a contract from an agency. Second managed by server 23
The contract database 24 is a database for extracting target contracts from the first contract database 22 of the host computer 21 for mail transmission and managing them on a server for mail transmission, and also has a status indicating whether mail transmission is completed. To keep. On the other hand, the terms and conditions database 25 manages terms and conditions information corresponding to the insurance type code because it is necessary to attach terms and conditions that differ for each insurance type to the mail when sending contract information from the second contract database 24 by mail. Is what you do. The special contract database 26 manages special contract information corresponding to the special contract code because it is necessary to attach special contract contents that differ for each contract to the mail when sending contract information from the second contract database 24 by mail. is there.

The host computer 21 of the insurance company 2
The contract information of each customer, which is counted as a contract from the agency 3, is received and arranged and stored in the first contract database 22. Then, for example, in order to collectively transmit the contract information to the customer at predetermined time intervals by mail, the host computer 21 extracts the mail transmission target contract information to be transmitted at this time from the first contract database 22, It is stored in the second contract database 24 managed by the server 23. When it is time to send an e-mail to the customer, the server 23 transmits the contract information of each customer, which is the subject of the e-mail transmission stored in the second contract database 24, to each customer via the Internet almost simultaneously. Exhibits a mail sending function as if sending by e-mail. At this time, the server 23 reads out the terms and conditions information corresponding to the insurance type code in the contract information of each customer stored in the second contract database 24 from the terms and conditions database 25 and attaches it to an e-mail to each customer, Further, the special condition information corresponding to the special condition code in the contract information of each customer stored in the second contract database 24 is read from the special condition database 26 and attached to an e-mail to each customer.

Next, the real transmission type will be described.
FIG. 9 is a schematic diagram of sending a real transmission type mail of contract information. The real transmission type transmits contract information of a customer who has applied directly to the insurance company 2 or the like by e-mail to the customer at the same time when the application is made.

The third contract database 27 is also linked to the server 23 of the insurance company 2 for transmitting such real transmission type contract information. The third contract data space 27 is a contract database written first when the customer 1 makes an insurance application directly via the Internet. The contract information is stored in the third contract database 27 at the same time as the customer applies on the Internet, and at the same time, the server 23 transmits the customer contract information written in the third contract database 27 to the host computer 21.
Is written in the first contract database 22 managed by the company, thereby completing the accounting of the contract. Accordingly, at the same time when the contract application is made from the customer, the server 23 transmits the contract information to the customer at the timing of writing, that is, in real time, based on the contract information of the customer written in the third contract database 27. Send by e-mail. At this time, the server 23
The contract information corresponding to the insurance type code in the contract information of each customer stored in the contract database 27 is read out from the contract database 25, attached to an e-mail to each customer, and stored in the third contract database 27. The special information corresponding to the special code in the contract information of each customer is read from the special agreement database 26 and attached to an e-mail to each customer.

Although the above description has been made with respect to overseas travel accident insurance, the present invention is not limited to this, and may be applied to any other insurance procedures such as fire insurance, automobile insurance, golfer insurance, etc. Applicable.

[0040]

[Effect of the Invention] In insurance contract procedures, insurance policies as a set of insurance policies, insurance receipts or insurance receipts and insurance receipts and conditions, special provisions, emergency contact information, locations of affiliated hospitals, claims agents, etc., communication It is possible to hand over the destination, other service contents, contact information, etc. to the customer who is the policyholder in a paperless manner. Therefore, compared to the conventional procedure in which a very bulky set of insurance policies, which are paper documents, must be sent to the customer by mail or the like, the procedure can be greatly simplified. Completion can be done very quickly.

Also, the mail sent to the customer can transmit only necessary terms and conditions according to the contents of the contracted insurance, so that the insurance company can save the transmission cost and the contract procedure cost. Can be inexpensive, and the customer can maintain a very easy-to-understand insurance policy set because only the necessary terms and conditions are provided.

If the customer forgets to carry or loses the insurance policy set to the travel destination, conventionally, it is impossible to use a claim agent in an overseas location or contact a contact for various services. However, by accessing the mail sent to the customer terminal or the homepage of the insurance company in advance, the customer can check his / her contract details and the like, so that the customer can travel with peace of mind.

In addition, when a customer has a large number of insurance contracts or subscribes to a policy, the insurance policy for which the insurance is valid or the policy for which the insurance period has expired is lost compared to when the insurance policy has been lost. Only valid contract details, terms and conditions and special provisions can be viewed on the insurance company's website.

[Brief description of the drawings]

FIG. 1 is a schematic diagram for explaining the overall procedure of an insurance contract procedure procedure according to the present invention.

FIG. 2 is a diagram exemplifying a customer application screen displayed on a customer terminal in a system for carrying out the insurance contract procedure procedure method according to the present invention;

FIG. 3 is a diagram schematically showing the contents of work on an insurance company-side server that has received a customer application in a system for carrying out an insurance contract procedure method according to the present invention.

FIG. 4 is a diagram exemplifying a customer's “insurance policy and premium receipt” screen transmitted in the system for performing the insurance contract procedure procedure according to the present invention;

FIG. 5 is a diagram showing an example of a contract content browsing search screen in a system for performing the insurance contract procedure procedure according to the present invention.

FIG. 6 is a diagram exemplifying a screen for personal identification in a system for performing the insurance contract procedure procedure according to the present invention;

FIG. 7 is a diagram exemplifying a contract list screen of a customer in a system for performing a procedure method for insurance contracts and the like according to the present invention.

FIG. 8 is a schematic diagram of a system configuration for sending a batch transmission type of contract information by e-mail in a system for performing the insurance contract procedure procedure method according to the present invention.

FIG. 9 is a schematic diagram of a system configuration for transmitting mail of real transmission type contract information in a system for implementing a procedure method for insurance contracts and the like according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer 2 Insurance company 3 Agency 4 Financial institution 21 Host computer 22 First contract database 23 Server 24 Second contract database 25 Contract database 26 Special provision database 27 Third contract database

Claims (8)

[Claims] Claims: 1. An insurance contract or the like method for making an insurance contract or the like between a customer and an insurance company or an agent, the insurance company or the agent based on application information such as an insurance contract from the customer. An insurance contract procedure method comprising transmitting contract information to a customer terminal via a communication network such as the Internet. 2. The insurance contract procedure method according to claim 1, wherein, out of the contract information transmitted to the customer terminal, only the terms and conditions necessary for the contracted insurance content are transmitted. 3. The insurance company or the agent according to claim 1, wherein the contract information transmitted to the customer terminal can be viewed by the customer via a communication network such as the Internet in response to a request from the customer. Procedures for insurance contracts described. 4. An insurance contract procedure system for making an insurance contract or the like between a customer and an insurance company or agent, wherein the insurance company or agent and the customer terminal are connected via a communication network such as the Internet. Server, and the server is linked with a contract database, a contract clause database and a special provisions database. The server is based on application information such as insurance contracts from customers held in the contract database. And reading out necessary items from the agreement database and, if necessary, the special agreement database to create contract information, and transmitting the contract information to the customer terminal via the communication network. . 5. The insurance contract procedure according to claim 4, wherein the server controls the contract information transmitted to the customer terminal so as to include only terms and conditions required for the contracted insurance content. system. 6. The server according to claim 4, wherein the server controls the contract information transmitted to the customer terminal so that the customer can view the contract information via a communication network such as the Internet in response to a request from the customer. The insurance contract procedure system described. 7. The contract database includes a first contract database and a second contract database.
The contract database cooperates with a host computer, the second contract database cooperates with the server, and the server can provide a home page on which a customer can apply for an insurance contract or the like and browse contract information. The contract information of the customer applied through the first contract database is written in the first contract database, and the host computer stores only the contract information to be transmitted in batches among the contract information of each customer written in the first contract database in the first contract database. 7. The operation according to claim 4, wherein the server performs an operation of extracting the contract information to the two contract databases, and the server performs control to transmit contract information of each customer in the second contract database to each customer terminal almost simultaneously. Insurance contract procedure system. 8. The contract database includes a third contract database, and the third contract database cooperates with the server, and the server provides a homepage on which a customer can apply for an insurance contract and browse contract information. And writing the contract information of the customer applied through the homepage to the third contract database, wherein the server transmits the contract information of the customer written in the third contract database to the customer terminal in real time. The insurance contract procedure system according to claim 4, 5, 6, or 7, which performs such control.