JP2002175410A - Insurance application server system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance application system capable of smoothly and surely performing an insurance application procedure in various configurations by using the Internet. SOLUTION: When a user selects his or her desired insurance merchandise by connecting to a server, the electronic form of the application of the insurance merchandise is acquired from a data base, and displayed on a user terminal. When the user inputs a necessary item, the input data are transmitted to the server, and acquired as application data. The insurance company executes examination, and when the examination is completed, an acceptance notification transmission instruction is transmitted from the insurance company through the server to the user terminal. When the user finishes the payment of the insurance fee by account transfer or on-line settlement or the like, a bond issue instruction is transmitted from the insurance company terminal to the server, and bond data are prepared by the server. The bond data are transmitted to the user terminal.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an insurance application system using the Internet.

[0002]

2. Description of the Related Art Conventionally, an insurance contract requires an applicant to obtain a required application form through an agency, fill in necessary items, sign and seal the form, create an application form, and submit it. It was done by.

Recently, with the spread of the Internet,
Insurance product introductions and design simulations are provided on the Web, and application documents are also provided to applicants by mail or in the form of data.

[0004]

However, it is desired that, in the future, not only the provision of an application form but also the application procedure and the like gradually proceed on-line. In doing so, it is necessary to ensure the security of important information and payment information associated with the contract.

The present invention has been made in view of the above points, and an object of the present invention is to provide an insurance application system capable of smoothly and reliably performing an insurance application procedure in various forms using the Internet. And

[0006]

According to the first aspect of the present invention, an insurance application server system connected to a user terminal and an insurance company terminal through a network stores an electronic form corresponding to an application form for various insurance products. A database, an electronic form display means for acquiring an electronic form corresponding to the application form for the insurance product specified by the user from the database, transmitting the electronic form to a user terminal, and displaying the electronic form, and an input input by the user with respect to the electronic form Receives data from the user terminal and stores it as provisional application data, including means for creating application form data based on the provisional application data and the date of transfer of insurance premiums, indicating that insurance policy screening has been completed A method for receiving an underwriting notice dispatch instruction from an insurance company terminal and creating underwriting notice data including the fund transfer date. And receives the securities issued instructions from the insurance company terminal, and means for creating a securities data, the.

According to the server system configured as described above, when a user connects to the server and selects a desired insurance product, an electronic form of an application form for the insurance product is obtained from the database, and is stored on the user terminal. Is displayed.
When the user inputs necessary items, the input data is sent to the server and is used as temporary application data. Application form data is created from the provisional application data. When the user makes an application, the insurance company performs a screening. When the examination is completed, the insurance company sends an underwriting notice sending instruction including an insurance transfer date to the server. When the user has completed the payment of the insurance premium, a policy issuance instruction is sent from the insurance company terminal to the server, and the server creates policy data.

According to a second aspect of the present invention, in a insurance application server system connected to a user terminal and an insurance company terminal through a network, a database for storing an electronic form corresponding to an application form for various insurance products, and a user-designated database Electronic form display means for acquiring an electronic form corresponding to the application form of the insurance product from the database, transmitting the electronic form to a user terminal, and displaying the electronic form, and receiving input data input by the user with respect to the electronic form from the user terminal Means for storing the application data based on the provisional application data, storing the provisional application data based on the provisional application data, receiving an underwriting notice sending instruction from the insurance company terminal indicating that the examination of the insurance contract has been completed, An online payment ID for payment is determined, and an underwriting notice data including the online payment ID is set. Means for performing the online payment processing of the insurance premium based on the online payment ID, and means for creating the security data and transmitting the insurance contract data to the insurance company terminal when the online payment is completed, Is provided.

According to the server system configured as described above, when a user connects to the server and selects a desired insurance product, an electronic form of an application form for the insurance product is obtained from the database, and is stored on the user terminal. Is displayed.
When the user inputs necessary items, the input data is sent to the server and is used as temporary application data. Application form data is created from the provisional application data. When the user makes an application, the insurance company conducts a screening. When the examination is completed, an underwriting notice sending instruction is sent from the insurance company to the server. The server determines the online payment ID and creates the underwriting notification data. Once the user has paid the premium through online payment,
A policy issuance instruction is sent from the insurance company terminal to the server, and the server creates policy data.

[0010] The invention described in claim 3 is the invention according to claim 1 or 2.
In the insurance application server system described in the above, there is provided means for transmitting the application form data to a user terminal. Thereby, the user receives the application data including the input data, prints out the application data, and creates an application.

According to a fourth aspect of the present invention, in an insurance application server system connected to a user terminal and an insurance company terminal through a network, a database for storing an electronic form corresponding to an application form for various insurance products, and Electronic form display means for acquiring an electronic form corresponding to the insurance product application form obtained from the database, transmitting the electronic form to a user terminal and displaying the electronic form, and receiving input data input by a user with respect to the electronic form from the user terminal. Means for storing the application data and transmitting it to the insurance company terminal, and receiving from the insurance company terminal an underwriting notice sending instruction indicating that insurance policy screening has been completed, including the insurance transfer date, and Means to create underwriting notice data including Receive issuance instruction, and means for creating a security data.

According to the server system configured as described above, when the user connects to the server and selects a desired insurance product, the electronic form of the application form for the insurance product is obtained from the database and is stored on the user terminal. Is displayed.
When the user inputs necessary items, the input data is sent to the server and becomes application data. The insurance company conducts a screening,
Upon completion of the examination, an underwriting notice dispatch instruction including an insurance transfer date is sent from the insurance company to the user terminal via the server. When the user has completed the payment of the insurance premium, a policy issuance instruction is sent from the insurance company terminal to the server, and the server creates policy data.

According to a fifth aspect of the present invention, there is provided an insurance application server system connected to a user terminal and an insurance company terminal through a network, wherein a database for storing an electronic form corresponding to an application form for various insurance products, Electronic form display means for acquiring an electronic form corresponding to the application form of the insurance product from the database, transmitting the electronic form to a user terminal, and displaying the electronic form, and receiving input data input by the user with respect to the electronic form from the user terminal Means for storing the application data and transmitting it to the insurance company terminal, means for receiving an underwriting notice sending instruction from the insurance company terminal indicating that insurance policy screening has been completed, and an online payment ID for insurance payment settlement. Decide,
Means for creating and transmitting underwriting notice data including the online payment ID to the user terminal; means for performing online payment processing of the insurance premium based on the online payment ID; Means for creating and transmitting insurance contract data to the insurance company terminal.

According to the server system configured as described above, when a user connects to the server and selects a desired insurance product, an electronic form of an application form for the insurance product is acquired from the database, and is stored on the user terminal. Is displayed.
When the user inputs necessary items, the input data is sent to the server and becomes application data. The insurance company conducts a screening,
When the examination is completed, an underwriting notice sending instruction is sent from the insurance company to the server. The server determines the online payment ID and sends it to the user terminal together with the underwriting notification. When the user completes the payment of the insurance premium by online settlement, a security issuance instruction is sent from the insurance company terminal to the server, and the server creates the security data.

The invention according to claim 6 is the invention according to claim 4 or 5.
In the insurance application server system according to the above, when the input data input by the user is received from the user terminal, a means for attaching an electronic signature as a receipt confirmation to the input data, and using the input data with the electronic signature as application data Have. This improves the reliability of the online application by confirming the receipt using the electronic signature.

The invention according to claim 7 is the invention according to claims 4 to 6
In the insurance application server system according to any of the above,
It has means for judging whether or not a digital signature of the user is attached to the input data received from the user terminal, and using only the input data with the digital signature attached as application data. As a result, only input data for which a digital signature has been correctly made is handled as a formal application.

The invention described in claim 8 is the invention according to claims 4 to 7.
In the insurance application server system according to any of the above,
Means for transmitting the securities data and / or the underwriting notification data to the user terminal. As a result, the securities issuance procedure and the underwriting notification procedure can also be performed online.

According to a ninth aspect of the present invention, in the insurance application server system according to the eighth aspect, the security data and / or the underwriting notification data include electronic information of at least one of the insurance application server system and the insurance company. Signed. This allows the user to confirm that these data are genuine.

According to a tenth aspect of the present invention, in the insurance application server system according to any one of the first to ninth aspects, there is provided a means for recording a log of processing performed by each means. As a result, a record of the procedure can be stored and used for confirmation, certification, and the like when necessary.

The invention according to claim 11 is the insurance application server system according to claim 10, further comprising means for presenting the log record in response to a request from a user terminal or the insurance company terminal. Thereby, the user and the insurance company can acquire the log record.

According to a twelfth aspect of the present invention, there is provided the insurance application server system according to any one of the first to eleventh aspects, provided that data indicating personal authentication of the user is acquired from a predetermined certification organization. It has means for executing the insurance application procedure. As a result, unauthorized insurance application by anyone other than the person can be eliminated.

[0022]

Preferred embodiments of the present invention will be described below with reference to the accompanying drawings. [1] System Configuration FIG. 1 shows a schematic configuration of an insurance application system according to an embodiment of the present invention. In FIG. 1, a terminal 2 of a user who is an applicant for insurance, a terminal 8 of an insurance company, and a server 10 of company A acting for a user to apply for insurance on behalf of the insurance company
Are connected via the Internet 1.

Company A operates an insurance company website on the web, and performs insurance application procedures in addition to introduction of insurance products and design simulation. Company A server 10
Has an electronic form database 13 that stores electronic forms of application forms corresponding to various insurance products.
When the user selects a predetermined insurance product on the website of the company A server, the company A server 10 transmits the electronic form database 1
3 to obtain the electronic form data of the insurance product application form. Company A mails the application form (paper medium) to the user in response to the user's request, or transmits the application form to the user's terminal 2 via the Internet 1 as an electronic form. The company A server 10 is connected to a print factory 12. The print factory 12 prints a paper medium such as an insurance application form, an underwriting notice, and an insurance policy based on an instruction from the company A, and mails it to the user.

The user terminal 2 is connected to a printer 3 if necessary.
Connected to. When the user obtains the insurance application form from the company A server 10 in the form of an electronic form, the user can obtain the paper form by printing out the electronic form using the printer 3.

Further, the user terminal 2 can be provided with an IC card reader (not shown), and the user can insert his / her own IC card 4 and use the information in the IC card 4. A secret key and the like used for giving an electronic signature to be described later can be stored in the IC card 4.
As a result, the user can easily use the shared terminal installed at the office.

Next, an outline of an insurance application procedure using the system of FIG. 1 will be described. First, the user visits a website operated by the company A server 10 using the terminal 2, determines insurance products to apply for by introducing insurance products or performing simulations as necessary, and acquires the application form. I do. The application form is stored in the electronic form database 13 in the form of an electronic form, and the user acquires the application form in either a paper medium or electronic data. The user can select which form to obtain the application form. Next, the user fills in or inputs necessary items in the application form to create an application form or application data. And
The application processing is performed by mailing the application form to the insurance company or by transmitting the application form to the insurance company via company A as application data. The insurance company receives the application form or application data and conducts a review. If the examination result is OK, the insurance premium is settled and the insurance contract is established. The payment of the insurance premium can be made either by fund transfer or online payment, and the user can select a desired method. When the settlement of the insurance premium is completed and the insurance contract is concluded, an insurance policy is created and sent to the user who is the contractor. The insurance policy can be provided to the user in the form of electronic data. Also, the insurance policy may include terms and conditions.

Next, various embodiments of the insurance application system using the system of FIG. 1 will be described. [2] First Embodiment Next, a first embodiment of the present invention will be described with reference to FIGS. In this embodiment, Company A provides an application form to a user on a paper medium, and the user pays an insurance premium by fund transfer.

In FIG. 2, the user first connects to the website of the company A server 10 via the Internet 1,
An insurance product is determined and a provisional application is made (step S1). Specifically, when the user specifies an insurance product, an electronic form of an application form for the insurance product is displayed on the user terminal 2,
The user enters an address, name, and other necessary items. At this time, as a method of paying the insurance premium, it is selected that a fund transfer is desired. When the user completes the input, A
The company server 10 stores the data as temporary application data. In this case, the company A server 10 may store both electronic form data and user input data as a set, or may store only user input data.

Next, the company A server 10 transmits the temporary application data to the print factory 12 (step S2). The print factory 12 prints the received provisional application data to create an application form (paper medium) (step S3). In this application form, the items input by the user in step S1 are printed. The print factory 12 mails the application form to the user (step S4). The user receives the mailed application form, checks the contents, and signs and seals. Then, mail it to the insurance company and make an application (step S
5).

The insurance company 8 receives the application form and performs an examination for an insurance contract (step S6). The review is complete,
If it is determined that the contract is possible, the terminal 8 of the insurance company transmits an underwriting notice dispatch instruction to the company A server 10 (step S).
7). The underwriting notification is for notifying that the examination result is OK and for notifying the user who is the applicant of the information on the insurance payment method. In this embodiment,
Since the user has selected fund transfer as a method of paying the premium, the underwriting notice specifies the due date of the premium transfer.

The company A server 10 transmits the underwriting notice information received from the terminal 8 of the insurance company to the print factory 12 as underwriting notice customer data (step S8). The print factory 12 prints this on a paper medium to create an underwriting notice (step S9), and mails it to the user (step S10). The user deposits the insurance premium in the account by the fund transfer due date specified in the underwriting notice.

The insurance company withdraws the insurance premium when the transfer date arrives, and sends a settlement completion / securance issuance instruction to the company A server 10 (step S12). In response, the company A server transmits the customer data for issuing securities to the print factory 12 (step S13). The print factory 12 prints the insurance policy (step S14) and mails it to the user (step S15). Thus, the insurance contract is completed.

In the above procedure, the company A server 10 stores the data transmitted and received in each step. In addition, the history (log record) of the procedure executed in each step is stored. That is, the user terminal 2
(Step S1), the date and time when the underwriting notice dispatch instruction and the settlement completion / securities issue instruction are received from the insurance company (steps S7 and S12), and the date and time when the necessary data is transmitted to the print factory (step S2). , S8, S1
The history of the processing performed in each step such as 3) is stored. Therefore, if there is any doubt about the success or failure of the procedure or the time of completion after the procedure is completed, Company A can provide a log record regarding the procedure to the user or the insurance company.
The date and time of settlement completion and the date and time of issuing the underwriting notification dispatch instruction,
In some cases, it has a role to determine the date and time of the conclusion of the insurance contract. Therefore, this log recording is particularly useful because it functions as a kind of proof when a problem occurs between the contractor and the insurance company regarding the establishment of the insurance contract. [3] Second Embodiment Next, a second embodiment of the present invention will be described with reference to FIGS. In this embodiment, the user receives the application form as a paper medium by mail, but pays the insurance premium online.

In FIG. 3, the user selects an insurance product on the company A website, receives an application form in paper form, signs and seals the form, mails it to the insurance company, and performs the examination until the insurance company conducts the examination (steps S21 to S21). S26) is the same as steps S1 to S6 of the second embodiment shown in FIG. However, in the present embodiment, it is assumed that the user has designated online payment as the insurance payment method.

After the completion of the examination in step S26, the terminal 8 of the insurance company transmits information of examination OK to the company A server 10 as an underwriting notice dispatch instruction (step S27). Since the user has selected to pay the insurance premium by online settlement, the underwriting notice does not include the fund transfer date. Next, the company A server assigns an online payment ID for online payment of the insurance premium (step S28), and transmits customer data for underwriting notification including the ID to the print factory (step S29). The print factory 12 prints this and creates an underwriting notice (step S30) and mails it to the user (step S31).

[0036] The user sets the settlement I described in the underwriting notice.
D to make an online payment (step S3
2), the company A server 10 performs the settlement processing and transmits the contract data to the terminal 8 of the insurance company (step S33).
When the settlement is completed, the company A server 10 transmits the customer data for issuing securities to the print factory 12 (step S3).
4). The print factory 12 prints the insurance policy (step S35) and mails it to the user (step S36).
Thus, the insurance application is completed. Step S28
The online payment process performed in steps S32 to S32
It can also be executed at the stage of the 21 provisional application process.

In this embodiment, in addition to the data transmitted and received in each step, the company A server 10
The log of the procedure executed in each step, such as the date and time of receiving the underwriting notice from the insurance company and the date and time of completion of the online settlement of the insurance premium, is recorded. [4] Third Embodiment Next, a third embodiment of the present invention will be described with reference to FIGS. In this embodiment, the company A server 10 provides an application to a user in the form of an electronic form. The payment of the insurance premium is made by account transfer, as in the first embodiment.

Referring to FIG. 4, the user first connects to the company A server 10, selects an insurance product, and makes a provisional application (step S41). In the provisional application process, when the user selects an insurance product, the company A server 10 acquires an electronic form of an application form corresponding to the insurance product from the database 13,
It is displayed on the user terminal 2. The user enters the address, name, and other necessary information in the electronic form of this application form. When the user instructs the completion of the input, the A company server 10
Saves the electronic form after the user inputs necessary items (temporary application data) as temporary application data.

Next, the company A server 10 transmits an electronic form including the provisional application data to the user terminal 2 (step S42). The user prints this using the printer 3 to create a paper medium application form (step S43).
Next, the user signs and seals the application form, mails it to the insurance company, and makes an application (step S44). After that, the procedure proceeds as in the first embodiment shown in FIG. That is,
The insurance company receives and examines the application form, and upon completion of the examination, sends an underwriting notice dispatch instruction to the company A server 10 (steps SS45 and SS46). Based on this instruction, an underwriting notice including the transfer date is mailed to the user via the print factory (steps S47 to S49), and the user pays the insurance premium by the transfer (step S50). When the settlement is completed, an insurance policy is created and mailed to the user (steps S51 to S54). Thus, the insurance application procedure is completed.

In this embodiment, in addition to the data transmitted and received in each step, the company A server 10
The log of the procedure executed in each step including the date and time of receiving the underwriting notice dispatch instruction from the insurance company terminal and the settlement completion / securities issuance instruction is recorded. [5] Fourth Embodiment Next, a fourth embodiment of the present invention will be described with reference to FIGS. In the present embodiment, the company A server 10 also provides the user with the application form in the form of an electronic form, but the payment of the insurance premium is made by online payment as in the second embodiment.

Referring to FIG. 5, first, the user connects to the company A server 10, selects an insurance product, and makes a provisional application (step S61). In the provisional application process, when the user selects an insurance product, the A company server 10 acquires an electronic form of an application form corresponding to the insurance product from the database 13,
It is displayed on the user terminal 2. The user enters the address, name, and other necessary information in the electronic form of this application form. When the user instructs the completion of the input, the A company server 10
Saves the electronic form after the user inputs necessary items (temporary application data) as temporary application data.

Next, the company A server 10 transmits an electronic form including the provisional application data to the user terminal 2 (step S62). The user prints this using the printer 3 to create a paper medium application form (step S63).
Next, the user signs and seals the application form, mails it to the insurance company, and makes an application (step S64). Thereafter, the procedure proceeds as in the second embodiment shown in FIG. That is,
The insurance company receives the application form and examines it, and when the examination is completed, sends an underwriting notice sending instruction to the company A server 10 (steps S65 and S66). Next, the company A server 10 assigns an online payment ID, and mails an underwriting notice including the online payment ID to the user via the print factory (steps S67 to S70). The user pays the insurance premium by online settlement, and the company A performs the processing and transmits the contract data to the terminal 8 of the insurance company (steps S71 to S7).
2). When the settlement is completed, an insurance policy is created and mailed to the user (steps S73 to S75). Thus, the insurance application procedure is completed. Steps S67 to S72
The online settlement processing performed in step S61 can also be executed at the stage of the provisional application processing in step S61.

In this embodiment, in addition to the data transmitted and received in each step, the company A server 10
The log of the procedure executed in each step, such as the date and time of receiving the underwriting notice from the insurance company and the date and time of completion of the online settlement of the insurance premium, is recorded. [6] Fifth Embodiment Next, a fifth embodiment of the present invention will be described with reference to FIGS. In the present embodiment, the application and the transmission of the underwriting notice are performed online, and the payment of the insurance premium is performed by account transfer as in the first and third embodiments.

Referring to FIG. 6, first, the user connects to the company A server 10, determines an insurance product, and makes a main application (step S81). Specifically, when the user selects an insurance product, an electronic form of the corresponding application form is displayed on the user's terminal 2, and the user inputs necessary items to create application data. Next, the user gives his / her digital signature to the application data. This electronic signature corresponds to the signature / seal applied to the application form of the paper medium by the user in the first to fourth embodiments. Therefore, the server 10 does not treat the application data as formal application data when the electronic signature is not attached. The application data with the electronic signature is transmitted to the company A server 10 as the main application data.

The company A server 10 receives the application data from the user terminal 2 and gives an electronic signature of company A and / or the insurance company in the sense of confirming the acceptance of the application. Then, the application data is transmitted to the insurance company. The insurance company server 8 receives the application data and performs a receipt confirmation process using an electronic signature. Further, an examination is performed based on the contents of the application data (step S82). When the examination is completed, the terminal 8 of the insurance company transmits an underwriting notice dispatch instruction including the fund transfer date to the company A server 10 (step S83). The company A server 10 performs a receipt confirmation process using the electronic signature, and transmits an underwriting notice dispatch instruction including a fund transfer date to the user terminal 2 (step S84). The user performs a receipt confirmation process using the electronic signature.

When the user pays the insurance premium by bank transfer, the insurance company confirms the payment and transmits a settlement completion / securities issue instruction to the company A server 10 (step S86).
Next, the company A server 10 performs a receipt confirmation process using an electronic signature, and then transmits the customer data for issuing securities to the print factory 12 (step S87). The print factory 12 prepares the insurance policy based on this and mails it to the user. Thus, the insurance application procedure is completed.

The insurance policy can be provided to the user in the form of electronic data. In this case, upon receipt of the settlement completion / securance issuance instruction from the insurance company terminal 8, the company A server 10 creates an insurance policy as electronic data and transmits it to the user terminal 2 (step S87 ').

In the above procedure, receipt confirmation using an electronic signature is performed at the time of transmission / reception of various data. In one method, a data sender sends data with its own electronic signature, and a receiver decrypts and verifies the sender's electronic signature using a corresponding public key. A successful verification proves that the data was sent by the sender and has not been altered. In another method, an electronic signature is created by a data recipient using his / her private key based on the received data, and the electronic signature is returned to the sender as proof of receipt. The sender receives it, and decrypts and verifies the electronic signature using the recipient's public key. A successful verification indicates that the data was received correctly.

Also, in the above procedure,
As in the fourth embodiment, the company A server 10 stores the transmission / reception data in each step, and further stores the necessary digital signature. Further, the company A server 10 stores a log record of the processing executed in each step including the date and time of receiving the underwriting notice sending instruction and the settlement completion / securities issue instruction from the insurance company terminal, and uses the log record for later certification. be able to. [7] Sixth Embodiment Next, a sixth embodiment of the present invention will be described with reference to FIGS. In the present embodiment, the application and the transmission of the underwriting notice are performed online, and the payment of the insurance premium is performed by online payment as in the second and fourth embodiments.

Referring to FIG. 7, first, the user connects to the company A server 10, determines an insurance product, and makes a main application (step S91). Specifically, when the user selects an insurance product, an electronic form of the corresponding application form is displayed on the user's terminal 2, and the user inputs necessary items to create application data. Next, the user gives his / her digital signature to the application data. This electronic signature corresponds to the signature / seal applied to the application form of the paper medium by the user in the first to fourth embodiments. Therefore, when the electronic signature is not attached, the server 10 does not handle the application data as formal application data. The application data with the electronic signature is transmitted to the company A server 10 as the main application data.

The company A server 10 receives the application data from the user terminal 2, adds a digital signature of the company A and / or the insurance company in the sense of reception confirmation, and transmits the application data to the insurance company. The insurance company server 8 receives the application data,
Performs receipt confirmation processing using the electronic signature. Further, an examination is performed based on the content of the application data (step S9).
2). When the examination is completed, the terminal 8 of the insurance company transmits an underwriting notice sending instruction to the company A server 10 (step S9).
3). The company A server 10 performs a reception confirmation process using the electronic signature, then assigns an online payment ID, and transmits an underwriting notice dispatch instruction including the online payment ID to the user terminal 2 (step S94). The user performs a receipt confirmation process using the electronic signature.

Next, when the user pays the insurance premium by online settlement (step S96), the company A server 1
No. 0 performs settlement processing and transmits contract data to the terminal 8 of the insurance company (step S97). The insurance company performs a receipt confirmation process using the electronic signature.

Next, the company A server 10 is connected to the print factory 12
(Step S9)
8). The print factory 12 creates an insurance policy based on this and mails it to the user (step S100). Thus, the insurance application procedure is completed.

In this embodiment, the insurance policy can be provided to the user in the form of electronic data (step S98 ').

In the above procedure, the receipt confirmation using the electronic signature is performed as in the case of the fifth embodiment.

Also in the above procedure, similarly to the fifth embodiment, the company A server 10 stores the transmission / reception data and the electronic signature in each step. Further, a log record of the processing executed in each step, such as the date and time of receiving the underwriting notification from the insurance company and the date and time of completion of the online settlement of the insurance premium, can be stored and used for later certification.

In the details of the first to sixth embodiments described above, the processing procedure is merely an example, and various changes such as a change in the procedure and the presence or absence of a signature can be added.
Further, the company A server can notify the user of the progress of the application procedure based on the stored log record.

In the fifth and sixth embodiments, an electronic signature is added to various data as needed at each step of the application procedure, but an electronic signature may be partially applied instead of the entire data. For example, in step S83 of FIG. 6, the insurance company terminal 8 independently attaches an electronic signature to the part of the fund transfer due date data, or in the sixth embodiment of FIG.
The company server 10 can also independently sign the online payment ID itself.

Further, the digital signature to be given in a certain step can be limited to a specific one. For example, in the fifth embodiment shown in FIG. 6, since the insurance premium is paid by bank transfer, the electronic signature to be given by the user to this application form is limited to the electronic signature registered with the financial institution regarding the insurance withdrawal account. It is also possible to configure the company A server 10 so that the electronic signature is not accepted and this application is not accepted. At this time, a function of automatically selecting and adding a registered electronic signature from a plurality of electronic signatures possessed by the user can be added to the electronic form of the application transmitted to the user terminal 2.

Further, the secret key for electronic signature can be stored in the IC card carried by the user, and insurance application can be made using the shared terminal. In this case, the user can perform a procedure using a shared terminal installed in a company or the like. In this case, the user's secret key required for giving the electronic signature can also be extracted from the IC card and used.
In addition, in the fifth and sixth embodiments, when an electronic signature is added to the application data, the user temporarily reads the application data, for which necessary items have been input, into his or her own IC card and
The application data with the electronic signature can be created by performing the electronic signature adding process in the C card. This method is excellent in terms of security because it is not necessary to read the user's secret key into a shared terminal or the like, and it is not necessary to move the user's secret key out of the IC card.

For the application data and online payment related data received by the company A server 10 from the user terminal, the company A can store the original data and provide backup data to the insurance company. The data can be provided to the insurance company so that company A can store the backup data. Company A can also store only the user's electronic signature attached to the application data and the like.

In addition, the company A server can be configured to establish an insurance contract only when the user is authenticated by a specific institution in the user's insurance application procedure. For example, the user registers in advance with a certain certification institution, and establishes an insurance contract on the condition that the company A server obtains data or the like from the certification institution that indicates that the user authentication process has been successful by the certification institution. The system can be configured to

[0063]

As described above, according to the present invention,
The insurance application can be made efficiently and reliably in various forms using the Internet.

[Brief description of the drawings]

FIG. 1 shows a schematic configuration of an insurance application system according to the present invention.

FIG. 2 shows a first embodiment of an insurance application procedure.

FIG. 3 shows a second embodiment of the insurance application procedure.

FIG. 4 shows a third embodiment of the insurance application procedure.

FIG. 5 shows a fourth embodiment of the insurance application procedure.

FIG. 6 shows a fifth embodiment of the insurance application procedure.

FIG. 7 shows a sixth embodiment of the insurance application procedure.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Internet 2 ... User terminal 3 ... Printer 4 ... IC card 8 ... Insurance company terminal 10 ... Company A server 12 ... Print factory 13 ... Electronic form database

Claims (12)

[Claims] 1. An insurance application server system connected to a user terminal and an insurance company terminal through a network, a database storing an electronic form corresponding to various insurance product applications, and an insurance product application designated by a user. An electronic form display means for acquiring a corresponding electronic form from the database, transmitting the electronic form to a user terminal and displaying the electronic form, receiving input data input by the user with respect to the electronic form from the user terminal, and storing the data as temporary application data Means for creating application form data based on the provisional application data; and receiving an underwriting notice sending instruction from the insurance company terminal, including an insurance contract transfer date, and indicating that the examination of the insurance contract has been completed. A means for creating underwriting notice data including the transfer date, and issuing a security issuance instruction from the insurance company terminal Only taking, insurance application server system comprising a means for creating a securities data, the. 2. An insurance application server system connected to a user terminal and an insurance company terminal via a network, wherein a database for storing an electronic form corresponding to an application form for various insurance products and an insurance product application form designated by a user are provided. An electronic form display means for acquiring a corresponding electronic form from the database, transmitting the electronic form to a user terminal and displaying the electronic form, receiving input data input by the user with respect to the electronic form from the user terminal, and storing the data as temporary application data Means for creating application form data based on the provisional application data, means for receiving an underwriting notice sending instruction from the insurance company terminal indicating that insurance policy screening has been completed, and online settlement ID for insurance settlement. Means for determining underwriting notice data including the online payment ID, An insurance application server system comprising: means for performing an online payment process for insurance premiums based on the online payment ID; and means for, upon completion of the online payment, creating security data and transmitting insurance contract data to an insurance company terminal. . 3. The insurance application server system according to claim 1, further comprising means for transmitting the application form data to a user terminal. 4. An insurance application server system connected to a user terminal and an insurance company terminal through a network, wherein a database storing an electronic form corresponding to an application form for various insurance products and an insurance product application form designated by a user are provided. An electronic form display unit for acquiring a corresponding electronic form from the database, transmitting the electronic form to a user terminal and displaying the electronic form, and receiving input data input by a user with respect to the electronic form from the user terminal and storing the input data as application data Means for transmitting to the insurance company terminal, including the transfer date of the insurance premium, receiving from the insurance company terminal an underwriting notice dispatch instruction indicating that the examination of the insurance contract has been completed, and underwriting the notification data including the fund transfer date Create and send to user terminal, and receive security issuance instruction from insurance company terminal Insurance application server system comprising a means for creating a securities data, the. 5. An insurance application server system connected to a user terminal and an insurance company terminal through a network, wherein a database for storing an electronic form corresponding to an application form for various insurance products and an insurance product application form designated by the user are provided. Electronic form display means for acquiring a corresponding electronic form from the database, transmitting the electronic form to a user terminal, and displaying the electronic form; receiving input data input by the user with respect to the electronic form from the user terminal, and storing the input data as application data Means for transmitting to the insurance company terminal together with the information; means for receiving an underwriting notice dispatch instruction from the insurance company terminal indicating that the examination of the insurance contract has been completed; and determining an online payment ID for insurance payment. Means for generating underwriting letter data including An insurance application server system comprising: means for performing an online payment processing of an insurance premium based on an online payment ID; and means for, when the online payment is completed, creating security data and transmitting insurance contract data to an insurance company terminal. 6. A means for attaching an electronic signature as a receipt confirmation to the input data when the input data input by the user is received from the user terminal, and using the input data with the electronic signature as application data. Or the insurance application server system according to 5. 7. A means for judging whether or not a digital signature of a user is attached to the input data received from the user terminal, and using only the input data with the digital signature as application data. The insurance application server system according to any one of the above. 8. The system according to claim 4, further comprising means for transmitting said securities data and / or underwriting notification data to a user terminal.
The insurance application server system according to any one of the above. 9. The insurance application server system according to claim 8, wherein at least one of the insurance application server system and the insurance company has an electronic signature attached to the security data and / or the underwriting notification data. 10. The insurance application server system according to claim 1, further comprising means for recording a log of the processing performed by each means. 11. The insurance application server system according to claim 10, further comprising means for presenting the log record in response to a request from a user terminal or the insurance company terminal. 12. The insurance application server system according to claim 1, further comprising means for executing an insurance application procedure on condition that data indicating personal authentication of the user is obtained from a predetermined certification organization. .