JP2002259706A - Insurance contract system and insurance contract method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To indicate an insurance commodity suitable for delicate requests of an insurance applicant, and to reduce a cost for completing an insurance contract in an insurance company. SOLUTION: A client terminal 10-i (i=1 to n) indicates 'assessed items', 'weighting value' to each 'assessed item', and 'reported matters' to servers 1 to 3 of an insurance company. Each insurance company server 1 to 3 indicates 'a way of satisfying' showing the conformity of compensation of their own insurance commodity or service contents, and an estimated amount of insurance to the client terminal 10-i according to 'the assessed items', 'the weighting value', and 'the reported matters'. The client terminal 10-i calculates 'assessed total points' from 'weighting value', 'the way of satisfying' and the like, and compares 'the assessed total points' and the estimated amount of the insurance between insurance commodities, thereby making a contract with the most suitable insurance company.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an insurance contract system and an insurance contract method.

[0002]

2. Description of the Related Art In recent years, insurance products for automobile insurance, fire insurance, medical insurance and the like have been diversified. Insurance applicants need to make a choice of which insurance company and which insurance is best for them. To do so, you must understand the amount of insurance, the contents of the compensation and the contents of the service, and make your choice under the responsibility of the applicant. In general, these insurance products are aimed at insurers diversifying coverage and services to attract a large number of insurance subscribers. For this reason, it is difficult for an insurance applicant to find a balance with the insurance amount. Therefore, applicants for insurance participation usually obtain a pamphlet of each insurance company for comparison and study, or receive an explanation from a sales representative, and then make an insurance contract with one of the insurance companies.

[0003]

The insurance products provided by each insurance company have been diversifying in terms of compensation and services, while the amount of insurance for them has also been diversified. For this reason, insurance applicants must select which insurance company and which insurance is the most secure and the one with the least financial burden. However, with the diversification of insurance products, it has become difficult to compare and evaluate compensation and service contents of some insurance products by comparing pamphlets and the like in order to take out optimal insurance.

[0004] On the other hand, as a method of grasping the ideas and requests of insurance applicants, an insurance company infers the ideas of insurance applicants from insurance from the tendency of insurance products that are frequently accepted for new insurance, etc. It is necessary to develop new insurance. Developing an insurance product that would satisfy the insurance applicants was a matter of trial and error, so the cost of development was considerable.

[0005] As new insurance products are developed one after another, it is necessary to determine which insurance company and which insurance company is the most secure and the least financially burdensome for insurance applicants. It's getting more and more difficult.

In order to respond to such concerns of insurance applicants, for example, in the case of automobile insurance, the characteristics of insurance products of each insurance company are explained in an easily understood manner, There is also a method in which an insurance selection company can input the demands of insurance applicants via the Internet etc., select the insurance that fits it, select a few insurances that match it, and select the car insurance company that meets the request .

[0007] However, according to the above-mentioned prior art, these insurance selection company methods do not provide the user with an insurance contract that fully incorporates his or her needs despite the use of the interactive network. Absent. Through the interactive network, policyholders can relatively easily evaluate the coverage and services of each insurance product, and can significantly narrow down the number of insurance products that meet their wishes. Can be obtained on a personal computer.

[0008] As an insurance company, despite the use of the interactive network, the act of grasping the user's request remains trial and error as before, and there is no significant difference from the past. For this reason, there is a problem that the cost burden for new product development cannot be reduced.

Accordingly, the present invention provides an insurance contract system capable of presenting an optimal insurance product to a delicate request of an insurance applicant and reducing costs at an insurance company up to an insurance contract. The purpose is to provide an insurance contract method.

[0010]

In order to achieve the above object, an insurance contract system according to the first aspect of the present invention provides an insurance system which presents an insurance meeting a request of an insurance applicant to a client terminal via a network. In a contract system, a plurality of evaluation items presented by the client terminal, which are important when the applicant for insurance joins insurance, and how much importance is given to each of the plurality of evaluation items. Calculating means for calculating an estimated amount of insurance money that best matches the request of the insurance applicant based on a weighting value indicating a numerical value indicating whether the insurance is applied and the personal information of the insurance applicant. Providing an insurance company server comprising: a presentation unit for presenting the estimated insurance money amount obtained by the above to the client terminal via the network. And butterflies.

In a preferred embodiment, in the insurance contract system according to the first aspect, for example, the insurance company server considers how much importance is placed on each of the plurality of evaluation items. Based on a weighted value indicating a numerical value of the plurality of evaluation items, comprising: a satisfying information generating unit configured to generate satisfying information for each of the plurality of evaluation items; and the presenting unit includes a satisfying unit generated by the satisfying information generating unit. Method information may be presented to the client terminal via the network.

In a preferred embodiment, for example, in the insurance contract system according to the first aspect, the insurance company server is provided for each of a plurality of insurance companies, each of which relates to its own insurance. Provided in each of a plurality of insurance companies that provide information, the client terminal is provided for each of the plurality of insurance companies, the insurance company server, the plurality of evaluation items, the weighting value And the personal information, and may receive, from each of the plurality of insurance companies, an estimated amount of insurance money for insurance of each insurance company.

[0013] As a preferred mode, in the insurance contract system according to the third aspect, for example, the plurality of evaluation items, the weighting value, the personal information, the estimated insurance money amount, and the degree of satisfaction. An insurance selection support server may be provided which mediates a value between the client terminal and the insurance company server provided in each of the plurality of insurance companies via the network.

As a preferred mode, in the insurance contract system according to the fourth aspect, the insurance selection support server, when inputting the weighting value to the client terminal, sets the weighting value. Guide value presenting means for presenting a guide value indicating an example of the input value of the value to the client terminal via the network may be provided.

[0015] In a preferred embodiment, for example, in the insurance contract system according to the fourth aspect, the insurance selection support server, when inputting the satisfaction level value to the client terminal, A guide value presenting unit for presenting a guide value indicating an example of the input value of the satisfaction degree value to the client terminal via the network may be provided.

To achieve the above object, an insurance contract method according to the present invention is an insurance contract method for presenting an insurance meeting a request of an insurance applicant to a client terminal via a network, A plurality of evaluation items presented by the client terminal, which the insurance applicant wants to attach to insurance, and numerical values indicating how much importance is given to each of the plurality of evaluation items. Based on the weighting value and the personal information of the insurance applicant, calculate the estimated insurance money amount that best matches the request of the insurance applicant, and calculate the estimated insurance money amount via the network. , Is presented to the client terminal.

In a preferred embodiment, for example, in the insurance contract method according to the seventh aspect, a weighting indicating numerically how much importance is given to each of the plurality of evaluation items. Satisfaction information for each of the plurality of evaluation items may be generated based on the value, and the satisfaction information may be presented to the client terminal via the network.

In a preferred embodiment, for example, in the insurance contract method according to the ninth aspect, the client terminal includes, for each of a plurality of insurance companies, the plurality of evaluation items; Presenting the weighting value and the personal information, from each of the plurality of insurance companies,
You may make it receive the estimated insurance money amount for the insurance of each insurance company.

In a preferred embodiment, in the insurance contract method according to the present invention, the client terminal presents the plurality of evaluation items, the weighting value and the personal information, The insurance selection support company may mediate, via the network, the insurance company server provided in each of the plurality of insurance companies to present the estimated insurance money amount, fulfillment information and fulfillment degree value through the network. Good.

Further, as a preferred mode, in the insurance contract method according to claim 7, when the weight value is input to the client terminal, an example of the input value of the weight value is shown. Guide value,
You may make it present to the said client terminal via the said network.

In a preferred embodiment, in the insurance contract method according to claim 7, when the client terminal inputs the satisfaction level value, an example of the input value of the satisfaction level value is provided. Guide value indicating
You may make it present to the said client terminal via the said network.

In a preferred embodiment, for example, in the insurance contract method according to the tenth aspect, the insurance selection support company includes a similar “evaluation item”, “weighting value”, “declaration”. It is also possible to collect insurance applicants having "items".

In the present invention, the insurance company server uses the calculating means to present a plurality of evaluation items which are presented from the client terminal via the network and which are important for the insurance applicant to join the insurance, and For each of the evaluation items, based on the weighting value indicating the degree of importance as a numerical value and the personal information of the insurance applicant, the insurance claim of the insurance that best matches the request of the insurance applicant. The estimated amount is calculated and presented to the client terminal by the presentation means via the network. Therefore, it is possible to present an optimal insurance product to a delicate request of an insurance applicant, and it is possible to reduce costs at an insurance company up to an insurance contract.

[0024]

Embodiments of the present invention will be described below with reference to the drawings. A. Configuration of Embodiment FIG. 1 is a block diagram showing a system configuration according to an embodiment of the present invention. In the figure, insurance company servers 1, 2, 2,
Reference numeral 3 denotes a server operated and managed by insurance companies A, B, and C, and is constructed on a network 11 such as the Internet. The insurance company servers 1, 2, and 3 provide a description of an insurance product, a form for inputting information about insurance desired by an insurance applicant, and the like to a client terminal 10-1 to 10-n described later in a markup language. Is provided by a Web page described by. In addition, the insurance company servers 1, 2, and 3 provide quantified information ("evaluation items" and "weighting" described below) for desired insurance from client terminals 10-1 to 10-n (described later) on the insurance applicants side. In accordance with “value” and “declaration item”), the risk and the estimated amount of insurance for each insurance product provided by the company are calculated and presented to the client terminals 10-1 to 10-n. In addition, the insurance company servers 1, 2, and 3 provide the client terminal with "how to meet" indicating how much the service and compensation contents of each insurance product provided by the company match the demand of the insurance applicant. 10-1 to 10-n.

The insurance company servers 1, 2, and 3 respectively
It has customer databases 4, 5, 6 and insurance databases 7, 8, 9. Customer database 4,5,6
Are, respectively, personal information (including “declaration items”) for each insurance applicant, “evaluation items” that are considered important when selecting insurance products, and an important degree of visibility for each of the “evaluation items”. Is stored as a "weighted value" obtained by numerically converting. The insurance databases 7, 8, and 9 respectively store company information of the company, services of insurance products provided by the company, contents of compensation, and the like. In addition, the above-mentioned risk can be obtained from the accident occurrence results of the existing insurance contract subscribers who have concluded the insurance contract so far. The accident occurrence records of the existing insurance contract subscribers are stored in the insurance company database 7, 8, 9 or the customer database 4,
5 and 6. The estimated amount is calculated from the risk ratio of the insurance contract subscriber and the accident processing cost. The risk ratio and the accident processing cost are also stored in the insurance company databases 7, 8, 9 or the customer databases 4, 5, 6.

The client terminals 10-1 to 10-n are:
It has a function connectable to the network 11 such as the Internet, and a function to browse a Web page described in a markup language. The client terminal 10
-1 to 10-n are used by insurance applicants. If you want to join the insurance,
"Evaluation items" to be accessed when selecting insurance products by accessing the insurance company servers 1, 2, and 3 via the network 11 using 1 to 10-n, and emphasis on each of the "evaluation items" A "weighting value" in which the degree is quantified, and personal information (including "report items") for each insurance applicant are input.

The client terminals 10-1 to 10-
n is the insurance company server 1, 2, 3, 3 calculated according to the "evaluation item", "weighting value" and "declaration item".
In accordance with "How to satisfy", which is the content of compensation and service of each insurance product, and the presentation of conditions for estimating the amount of insurance, the "satisfaction value" of each insurance product provided by each of the insurance companies A, B, C, It has a function of calculating “evaluation score” and “evaluation total score”. The applicant for insurance participation is the "evaluation total score" calculated by each of the client terminals 10-1 to 10-n.
And insurance companies A, B,
C compares and examines the insurance products provided by each of them, and determines the most suitable insurance for themselves.

Next, the above-mentioned "evaluation item", "weighting" and "satisfaction degree", and these "weighting"
The evaluation score calculated from the “satisfaction level” will be described. Insurance applicants differ from each other in the importance of evaluation items for each item of insurance product coverage and services. For example, "auto insurance" will be described as an example of insurance. In car insurance,
Compensation other than “Insurance payment compensation” includes “non-insurance compensation”, “conditional discount”, “service after accident”,
It can be broadly divided into "incidental services" and "special contract compensation" There are the following compensations and services other than the “insurance payment compensation”, each of which can be set as an “evaluation item”. The insurance applicant selects and presents a desired "evaluation item" as the content of his insurance contract from these "evaluation items" and makes an insurance contract.

(1) “Evaluation items” included in “compensation other than insurance money” “Hotel accommodation cost in case of accident” “Temporary return cost such as taxi and train charges” “Wrecker moving cost” “Transit cost” “All” Expenses in case of loss, New vehicle acquisition difference cost, Priority payment for driving other vehicles, Refund of maturity premium

(2) “Evaluation items” included in “conditional discount” “mileage discount” “gold license holder discount” “safe driver discount” “early contract discount” “family exclusive discount” “airbag discount” "Discount for skid prevention device""Discount for safety body""Discount for ecological car""Discount for 4WD"

(3) "Evaluation items" included in "Post-accident services""Designated factory arrangement""Emergency message service""Dedicated support system""Number of accident handling personnel""Number of accident handling centers""Payment of insurance money" Days (vehicles) "Days of insurance payment (objective)"

(4) "Evaluation items" included in "Auxiliary services""Troubleshooting for failures such as puncture repair, key binding, gas refueling on the highway""Home express repair such as running out of battery""Road assistant such as road map FAX""CorporateRating""Whether Internet Contracts Are Available""DomesticCapital"

(5) “Evaluation items” included in “Special contract compensation” “Zero exemption special contract where the deductible amount becomes zero only for the first accident” “Passenger accident medical treatment special contract” “Family motorcycle special contract” “Self-injury” Accident insurance special contract "Personal accessories special contract""Special protection special contract where next year's insurance premium does not increase only for the first accident""Personal injury insurance special contract"

As described above, which evaluation items should be weighted to evaluate insurance differs for each insurance applicant. This means that "weighting" for each evaluation item is different. “Weighting” can be represented by a numerical value. This is referred to as a “weight value”. The “weighting value” is set to be large for evaluation items that are considered important for insurance applicants to make insurance contracts, and to be small for items that are not so important. Is entered by the user himself. The input screen of the “weight value” is provided on the insurance company servers 1, 2, 3, and is performed on a Web page displayed by the browser of the client terminals 10-1 to 10-n.

On the other hand, insurance applicants also want to evaluate how each insurance responds to each evaluation item. Therefore, an index indicating how each insurance corresponds to each evaluation item is defined as “how to satisfy”. In the insurance company servers 1, 2, 3 described above,
Each item of insurance product compensation and services is treated as one evaluation item, and the insurance product is set according to the “evaluation item”, “weighting” for the “evaluation item”, and “declaration items” set by the applicant. Evaluate the compensation and service, and use the client terminals 10-1 to 10-1 as "how to satisfy"
10-n. The "how to fill"
Can be represented by numerical values, similarly to “weighting”. This is referred to as a “satisfaction degree value”. "Satisfaction value"
The insurance applicants themselves want to obtain a higher value for insurance that fully supports each evaluation item, and a lower value for insurance that is not so good. Is determined with reference to

The above-mentioned "weighting value" and "satisfaction degree value"
Is multiplied as follows, the degree of correspondence with each evaluation item of each insurance can be quantified as “evaluation score”. "Evaluation score" = "Weighting value" x "Satisfaction value"

In other words, it can be said that the insurance having a larger value of the "evaluation score" has compensation and service which more closely matches the request of the applicant for insurance with respect to the evaluation item. In the case of an insurance product, assuming that the “weighting value” is w1 and the “satisfaction degree value” is s1 for the first “evaluation item”, the “evaluation score” is w1 × s
It becomes 1. Hereinafter, assuming that the “weighting value” is w2 and the “satisfaction degree value” is s2 for the second “evaluation item”, the “evaluation score” is w2 × s2, and the third “evaluation item” Assuming that the “weighting value” is w3 and the “satisfaction value” is s3, the “evaluation score” is w3 × s
It becomes 3.

For example, when there are eight evaluation items to be compared, “evaluation items”, “weighting values”, “satisfaction degree values”, and “evaluation points” are as shown in FIG.

The total of “evaluation points” for this insurance product is (w1 × s1) + (w2 × s2) + (w3 × s2) +.
.. + (W8 × s8). The total of the “evaluation points” is represented by “T” as the “total evaluation points” of the insurance product.

With regard to the above-mentioned "weighting value", for example, the applicant who wants to take out the insurance considers that the evaluation item considered to be the most important is 10 points and the other evaluation items are 6 points. For example, three or three points, the relative importance is input numerically. As for the “satisfaction degree value”, a plurality of insurance products are compared and evaluated for each evaluation item, and the “how to satisfy” is mutually evaluated. At this time, the insurance product (= insurance company) which is the most satisfying “how to satisfy” is set at 10 points, and how many other insurance products are compared to this is relatively similar to the “weighting value”. Enter the degree of satisfaction with numerical values. By the way, as described above, even when the “weighting value” or the “satisfaction value” is used, an evaluation based on a score of 10 is an example. Either way, you may get a full score of 5,
Alternatively, the highest point may be entered as one point and the others as decimal numbers. For insurance applicants, the most intuitive method should be adopted.

B. Next, the operation of the above-described embodiment will be described. In the following, insurance a, b,
A case in which each of the 12 evaluation items is evaluated for five insurance products c, d, and e will be described.

First, when applying for insurance, the insurance applicant tentatively determines the contents of the desired insurance compensation and service, selects “evaluation items” to be regarded as important (a plurality of evaluation items), and selects the selected “evaluation items”. The "weight value" for the "item" is determined. At the client terminal 6-i, the applicant for insurance participation receives evaluation items 1 to 3 from the weight value input screen shown in FIG.
"Weighting values" w1 to w1 for each of the evaluation items 12
Enter w12 as a numerical value. At this time, the “weighting value” of the evaluation item considered to be the most important is set to 10 points, and the “weighting value” of another evaluation item is relatively input. In addition, insurance applicants are required to purchase the client terminal 10
Using “i” (i = 1 to n), “declaration items” are presented to the insurance company servers 1, 2, 3 via the network 11.

The insurance company servers 1, 2, and 3 respectively have their own customer databases 4, 5, and 6 and the insurance database 7,
According to the information stored in the items 8 and 9, the "evaluation items"
The risk is calculated from the “weighting value” and the “declaration item”, the insurance amount is estimated (including the insurance product name and the insurance amount, etc.), and the condition is presented to the client terminal 10-i (each of the “evaluation items”). (Including "how to meet")
I do.

At the client terminal 10-i, the applicant for insurance participation is presented from the insurance company servers 1, 2, and 3.
As shown in FIG. 5, how to satisfy each evaluation item 1 to 12 of insurance a to e Sa1 to Sa12, Sb1 to Sb12,
Sc1 to Sc12, Sd1 to Sd12, Se1 to Se1
While referring to the filling degree table in which No. 2 is described, from the filling degree value input screen as shown in FIG.
Enter a numerical value. At this time, the insurance product (= insurance company) that is the most satisfying “how to satisfy” is set at 10 points, and the “satisfaction value” of another insurance product is relatively input. In addition, how to fill Sa1 to Sa12, Sb1 to Sb
12, Sc1 to Sc12, Sd1 to Sd12, Se1 to
As Se12, "extra", "upper", "medium", "medium", "not corresponded" according to the degree of satisfaction of the evaluation item
And so on.

It is desirable that the "satisfaction degree value" be input for each evaluation item. In the example shown in FIG. 4, first, insurance a, b, c, d,
It is determined which of e is 10 points and what is the other insurance points, and "satisfaction degree values" sa1, sb1, sc1, sd1, and se1 are input. Subsequently, “satisfaction degree value of second evaluation item 2” sa2, sb2, sc2, sd2, se2, and “satisfaction degree value” sa3, sb3, sc3 of third evaluation item 3
sd3, se3,..., the twelfth evaluation item 12 “satisfaction value” sa12, sb12, sc12,
Input is performed up to sd12 and se12. This allows
Numericalization of the "satisfaction degree value" can be performed objectively.

Next, the client terminal 10-i multiplies the "weighting value" W by the "satisfaction degree value" S, and
The “evaluation score” for each “evaluation item” is calculated, and the “evaluation total score” T is further calculated. Then, the “evaluated total score” T and the estimated insurance money amount are compared between each insurance product (each insurance company), and the desired optimal insurance company,
Determine insurance products and make insurance contracts.

B-1. First Specific Example A first specific example will be described with reference to a flowchart shown in FIG. At the time of insurance subscription, a person who intends to join the insurance first tentatively decides in his / her head what insurance coverage and services he / she desires (S10). As a result of the tentative determination, the “evaluation items” of the insurance contract and the “weight values” for the “evaluation items” are presented to the plurality of insurance company servers 1 and 2.3 (S12, S14). The user also presents his / her "declaration items" (S16).

The insurance company servers 1, 2, 3 receive the “evaluation item”, “weight value”, and “declaration item”, and store their own customer databases 4, 5, 6 and insurance databases 7, 8, 9. The risk is calculated with reference to the information (S18). Next, the insurance amount is estimated (S2
0), it is determined whether the insurance contract condition can be presented (S22). If the insurance contract condition can be presented, the insurance applicant proposes the condition to the client terminal 10-i (S2).
4).

The applicant for insurance receives the compensation and service conditions from the plurality of insurance company servers 1, 2, 3 and evaluates the "how to satisfy" the insurance compensation and service and evaluates the "satisfaction". After quantifying the degree value “S”, an “evaluation point” is calculated from the “weighting value” W and the “satisfaction degree value” S, and a “total evaluation score” T is calculated (S26). And
The "total evaluation score" T and the estimated insurance money amount are compared between insurance products (each insurance company) (S28), and it is determined whether or not the insurance product is acceptable (S30). Insurance product) and make an insurance contract. That is, an insurance contract is established (S32). On the other hand, if the conditions are not met, the contract is not established (S3
4).

Also, the applicant for insurance participation is referred to as “weighting value”.
W and “satisfaction degree value” S (or “evaluation points” and “evaluation total points”) are presented to the insurance company servers 1, 2, and 3, and the insurance company servers 1, 2, and 3 provide “how to satisfy” and It is possible to modify the insurance amount estimate and receive the condition presentation again. In this case, the insurance applicant can calculate the “satisfaction degree value”, “evaluation score”, and “total evaluation score” under the re-presented new presentation conditions, and can change the insurance company to be selected.

B-2. Second Specific Example In a second specific example, an insurance selection support company or the like is provided between an insurance applicant and an insurance company by a two-way network 1.
1. Here, FIG. 7 is a block diagram showing a system configuration when an insurance selection support company or the like intervenes. Note that the same reference numerals are given to portions corresponding to FIG.

The insurance selection support company has an insurance information service server 20 connected to a network 11 such as the Internet. The insurance information service server 20
Has a customer database 21 and an insurance company database 22. The customer database 21 stores personal information (including “declaration items”) for each insurance company applicant. The insurance company database 22
Is information on insurance companies A and B that provide insurance products.

The insurance information service server 20 quantifies the “evaluation items”, which are presented from the client terminal 10-i, which are regarded as important when selecting insurance products, and the degree of importance for each of the “evaluation items”. The “weighting value” and “declaration item” are received via the network 11 and presented to the insurance company servers 1 and 2 of the insurance companies A and B. Also,
The insurance information service server 20 includes a plurality of insurance companies A and B
From the insurance company servers 1 and 2, which are the contents of compensation and services, such as “how to satisfy” and the estimated amount of insurance money, and these “how to satisfy” and the conditions are applied to the client terminal 10-i of the insurance applicant. Is to be notified.

In the second specific example described above, the insurance information service server 20 once receives “evaluation item”, “weight value”, and “declaration item” from the client terminal 10-i of the insurance applicant. Insurance information service server 20,
The “evaluation item”, “weight value”, and “declaration item” of the insurance applicant are presented to the plurality of insurance company servers 1 and 2.

The insurance company servers 1 and 2 receive the “evaluation item”, “weight value” and “declaration item”, and have their own customer databases 4 and 5 and insurance databases 7 and 8.
The risk is calculated by referring to the information stored in
The insurance amount is estimated, it is determined whether or not the insurance contract condition can be presented, and the condition is presented to the insurance information service server 20.

The insurance information service server 20 provides the contents of compensation and services from the plurality of insurance company servers 1 and 2.
The conditions such as “how to satisfy” and the estimated amount are received, and the conditions such as “how to satisfy” and the estimated amount of the insurance are notified to the client terminal 10-i of the insurance applicant.

In the client terminal 10-i, the "satisfaction degree value" is evaluated by the insurance applicant based on the "how to satisfy". The insurance applicant calculates an “evaluation point” from the “weighting value” W and the “satisfaction degree value” S,
The “total evaluation score” T and the estimated insurance money amount are compared between insurance products (each insurance company) to determine a desired optimal insurance company and insurance product, and to make an insurance contract.

In this case, the insurance information service server (insurance selection support company) 20 can more strongly support the insurance selection of the insurance applicant and the negotiation with the insurance company as follows.

The insurance selection support company uses the insurance information service server 20 to gather insurance applicants having similar “evaluation items”, “weighted values”, and “declaration items”, and And negotiate to make insurance products cheaper. Also, the insurance selection support company selects the “evaluation item” of the insurance applicant and quantifies the “weighting value” W, quantifies the “satisfaction value” S, and calculates the “evaluation score” and the “total evaluation score” T. Help with calculations. It is also possible to present a guide value for the quantification of the “weighting value” W and the quantification of the “satisfaction value” S, and to simplify the selection of insurance for a candidate who wants to join the insurance by summarizing the “how to satisfy”. it can.

Incidentally, it is possible to further simplify the input of the above-mentioned "weighting value" and "satisfaction degree value" for an insurance applicant. Hereinafter, the method will be described. Even if the user is required to input "weighting" and "satisfaction degree" with numerical values, few users can input numerical values in the tables shown in FIGS. Therefore,
In order to facilitate input of the “weighting value” and the “satisfaction value”, a “guide value” indicating an input example may be used. The insurance applicant wants to input his or her own "weighting value" and "satisfaction degree value" with reference to the "guide value" set in advance.

FIG. 8 is a schematic diagram showing a weight value input screen when “guide value” is applied to the weight value input screen shown in FIG. For each evaluation item, the 10 most important evaluation items are considered "weighted values"
Are shown as “guide values”. In the other evaluation items, numerical values indicating the relative importance with respect to the evaluation items are also shown as “guide values”. Insurance applicants, while referring to the illustrated "guide value", in the "Your weight" column on the left,
Enter your own "weighting value". In the illustrated example, the “guide value” is an integer, but the “guide value” and the “weight value” may be decimal numbers.

Next, FIG. 9 is a schematic diagram showing a filling degree value input screen when the “guide value” is applied to the filling degree value input screen shown in FIG. In the example shown in the figure, when the “satisfaction value” of the evaluation item 3 is input, the “satisfaction value” having a maximum of 10 points under “how to satisfy” such as “above” or “normal”
Are shown as “guide values”. The insurance applicant inputs his or her own “satisfaction degree value” while referring to the illustrated “satisfaction” and “guide value”. In the illustrated example, the “guide value” is an integer, but the “guide value” and the “satisfaction degree value” may be decimal numbers.

By the way, in the input of the "satisfaction degree value", it is conceivable that all the "satisfaction methods" are unsatisfactory, and even the highest "satisfaction method" insurance cannot give 10 points. In such a case, it is desirable to take an evaluation method such that the highest “satisfaction value” is 10 points or less. However, since such an input performs “weighting” twice, Not preferred. Therefore, in such a case, it is desirable to review the “weighting value”. However, if you cannot give 10 points,
It is unavoidable from the viewpoint of putting the evaluation feeling of the insurance applicant who is the user first. Alternatively, in the Web server 2 or the score calculation unit, a function of automatically checking the input “weighting value” or “satisfaction value” is provided,
A warning may be issued for the above-mentioned allocation.

As described above, by presenting the “guide value”, the insurance applicant can input the “weight value” and the “satisfaction degree value” while referring to the “guide value”, which is very easy. And an appropriate value can be input.

Next, a method for presenting an efficient “guide value” will be described. For insurance applicants,
If the "guide value" is not the target, the "guide value"
There is no merit indicated. That is, it must be a “guide value” that meets the ideas and conditions of the insurance applicant.

For those who wish to join the insurance, those who have similar attitudes toward insurance and the conditions placed on them have the same approach to evaluation of "weighting" and "satisfaction degree" for each evaluation item. Therefore, the insurance information service provider can present an efficient “guide value” by knowing the concept and conditions of the insurance applicant.

[0086] The concept and conditions of applicants for insurance are, for example, automobile insurance, hopes for insurance, support system, financial contents of insurance company, those who mainly drive insured vehicles, and those who are mainly insured vehicles. The age of the person being driven to,
Alternatively, it can be known from the declaration items such as the youngest driver of the car and the purpose of use of the car. The “weighting value” and the “satisfaction value” according to the present embodiment are also included in the above.

Therefore, the insurance information service server 20 according to the present embodiment provides the insurance member who has attempted to purchase insurance in the past, the entered “weight value” and “satisfaction value”, Information such as whether a quote has been requested or what insurance product has been contracted is stored in the customer database 21, and an efficient "guide value" is created based on the past information. As a result, the input of the "weight value" and the "satisfaction degree value" performed by the insurance applicant can be performed very efficiently.

The above-mentioned declarations such as-
Although it is for automobile insurance, there are declaration items for both life insurance and medical insurance. Therefore, it is apparent that the present invention is applicable not only to car insurance but also to comparison of life insurance and medical insurance.

According to the above-described embodiment, the applicant for insurance narrows down the insurance company and the insurance type based on the numerical evaluation inputted by himself, so the insurance company and the insurance selection support company provide the insurance applicant with the insurance applicant. On the other hand, the fact that insurance coverage and services are
I understand. In addition, insurance applicants can make evaluations according to their own senses in "weighting" and "satisfaction degree" instead of alternative evaluations.

Further, according to the above-described embodiment, the insurance selection support company compiles the input values (weighting value, satisfaction degree value) of many insurance applicants and checks the correlation with the customer information. Thus, an effective "guide value" can be presented to individual applicants for insurance. Therefore, the insurance applicant can easily input the "weighting value" and the "satisfaction degree value" using the "guide value", and can know the most suitable insurance product for himself. Therefore, the insurance applicants intend to receive the service continuously, and the insurance selection support company can acquire many insurance applicants.

[0072]

According to the first aspect of the present invention, a plurality of insurance candidates who are presented by a client terminal via a network and which are considered important in enrolling insurance by a calculation means of the insurance company server. Based on the evaluation item, a weighted value indicating how much importance is given to each of the plurality of evaluation items by a numerical value, and the personal information of the insurance applicant, based on the request of the insurance applicant, The most suitable insurance claim amount is calculated and presented to the client terminal via the network by the presenting means. The present invention has the advantage that the cost can be reduced at the insurance company up to the insurance contract.

According to the second aspect of the present invention, the filling value information generating means of the insurance company server weights the numerical value indicating how much importance is given to each of the plurality of evaluation items. And generating the fulfillment information for each of the plurality of evaluation items, and presenting the fulfillment information generated by the fulfillment information generating means to the client terminal via the network by the presenting means. As a result, it is possible to present an optimal insurance product in response to the delicate demands of applicants for insurance, and to obtain the advantage that the cost of the insurance company up to the insurance contract can be reduced.

According to the third aspect of the present invention, the insurance company server is provided in each of a plurality of insurance companies,
The plurality of evaluation items are provided for each of the plurality of insurance companies, each of which provides information on their own insurance, and the client terminal provides the insurance company server provided for each of the plurality of insurance companies. And the weighting value and the personal information are presented, and from each of the plurality of insurance companies, the estimated amount of insurance for the insurance of the respective insurance companies is received. It is possible to present an optimal insurance product to the insurance company, and it is possible to obtain an advantage that it is possible to reduce costs at an insurance company up to an insurance contract.

According to the fourth aspect of the present invention, the plurality of evaluation items, the weighting value, the personal information, the estimated insurance money amount, and the satisfaction degree value are transmitted by the insurance selection support server via the network. In this way, the client terminal and the insurance company server provided in each of the plurality of insurance companies are interposed, so that an optimal insurance product can be presented in response to a delicate request of an insurance applicant. And the cost of the insurance company can be reduced until the insurance contract is obtained.

According to the fifth aspect of the present invention, when the guide value presenting means of the insurance selection support server inputs the weight value, the guide value indicating an example of the input value of the weight value is set to the guide value. Since the information is presented to the client terminal via the network, the weight value can be more easily input, and the optimum insurance product can be presented for the delicate demand of the insurance applicant. Is obtained. Therefore, there is an advantage that it is possible to reduce costs at the insurance company up to the insurance contract.

According to the invention of claim 6, when the satisfaction degree value is input by the guide value presenting means of the insurance selection support server, the guide value indicating the input value example of the satisfaction degree value is set. Since the present invention is presented to the client terminal via the network, the satisfaction degree value can be more easily input, and the optimal insurance product can be presented for the delicate demand of the insurance applicant. The advantage that it can be obtained is obtained. Therefore, there is an advantage that it is possible to reduce costs at the insurance company up to the insurance contract.

According to the invention of claim 7, a plurality of evaluation items presented from the client terminal, which the insurance applicant wants to attach to insurance, and each of the plurality of evaluation items On the basis of the weighting value indicating the degree of importance given by the numerical value and the personal information of the applicant for insurance participation, the estimated insurance amount of the insurance that best matches the request of the applicant for insurance participation is calculated. Since the estimated insurance money amount is presented to the client terminal via the network, it is possible to present an optimal insurance product in response to a delicate request of an insurance applicant, and to provide an insurance contract. The advantage is that the cost of the insurance company can be reduced up to the point.

According to the invention described in claim 8, each of the plurality of evaluation items is evaluated based on a weight value indicating a degree of importance of each of the plurality of evaluation items. Since fulfillment information is generated and the fulfillment information is presented to the client terminal via the network, it is possible to present an optimal insurance product to a delicate request of an insurance applicant. It is possible to obtain the advantage that the cost of the insurance company can be reduced up to the insurance contract.

According to the ninth aspect of the present invention, the client terminal presents the plurality of evaluation items, the weighting value, and the personal information to each of a plurality of insurance companies, Estimated insurance claims for each insurer's insurance are received from each of the multiple insurance companies, so it is possible to present optimal insurance products to the delicate requirements of insurance applicants, The advantage is that the cost of the insurance company can be reduced up to the point.

According to the tenth aspect of the present invention, an insurance selection support company presents the plurality of evaluation items, the weighting values and the personal information by the client terminal, and each of the plurality of insurance companies By the insurance company server provided in the said insurance money estimated amount,
Since the presentation of the fulfillment information and the fulfillment degree value is mediated through the network, it is possible to present an optimal insurance product to a delicate request of an insurance applicant, and to provide an insurance contract. The advantage is that the cost can be reduced in the insurance company.

According to the eleventh aspect, when the weight value is input, a guide value indicating an example of the input value of the weight value is presented to the client terminal via the network. Therefore, it is possible to input the weight value more easily, and it is possible to obtain an advantage that the most suitable insurance product can be presented in response to the delicate request of the insurance applicant. Therefore, there is an advantage that it is possible to reduce costs at the insurance company up to the insurance contract.

According to the twelfth aspect of the present invention, when inputting the satisfaction degree value, a guide value indicating an input value example of the satisfaction degree value is presented to the client terminal via the network. As a result, the degree of satisfaction can be more easily input, and an advantage is obtained in that an optimal insurance product can be presented in response to the delicate demands of insurance applicants. Therefore, there is an advantage that it is possible to reduce costs at the insurance company up to the insurance contract.

According to the thirteenth aspect of the present invention, the insurance selection support company collects insurance applicants having similar “evaluation items”, “weight values”, and “declaration items”. Therefore, there is an advantage that it is possible to negotiate with the insurance company to make the price of the insurance product cheaper.

[Brief description of the drawings]

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

FIG. 2 is a conceptual diagram for explaining a method of calculating an “evaluation score” of an evaluation item.

FIG. 3 is a schematic diagram showing a weight value input screen.

FIG. 4 is a schematic diagram showing a filling degree value input screen.

FIG. 5 is a schematic diagram showing a fulfillment table in which how to satisfy each evaluation item of insurance is described.

FIG. 6 is a flowchart for explaining an operation in the first specific example of the present invention.

FIG. 7 is a block diagram showing a system configuration when an insurance selection support company or the like intervenes.

FIG. 8 shows a “guide value” on the weight value input screen shown in FIG.
FIG. 9 is a schematic diagram showing a weight value input screen when (a) is applied.

FIG. 9 shows a “guide value” displayed on the filling degree value input screen shown in FIG.
FIG. 9 is a schematic diagram showing a satisfaction degree value input screen when is applied.

[Explanation of symbols]

1, 2, 3 ... insurance company server (calculation means, presentation means,
Satisfaction information generation means), 4, 5, 6 ... customer database, 7, 8, 9 ... insurance database, 10-1 to 1
0-n ... client terminal, 11 ... network,
20 insurance information service server (insurance selection support server, guide value presenting means), 21 customer database, 22 insurance company database

Claims (13)

[Claims] 1. An insurance contract system for presenting an insurance meeting a request of an insurance applicant to a client terminal via a network, wherein the insurance applicant who is presented from the client terminal has insurance. Based on a plurality of evaluation items to be considered important when joining, a weighting value indicating a degree of importance to each of the plurality of evaluation items by a numerical value, and personal information of the insurance applicant. Calculating means for calculating the estimated insurance money amount of the insurance that best matches the request of the insurance applicant, and presenting the estimated insurance money amount obtained by the calculating means to the client terminal via the network. An insurance contract system comprising an insurance company server having presentation means. 2. The insurance company server, based on a weighted value indicating how much importance is given to each of the plurality of evaluation items, information on how to satisfy each of the plurality of evaluation items based on a weight value. The method according to claim 1, further comprising: fulfilling information generating means for generating, wherein the presenting means presents the satisfying information generated by the satisfying information generating means to the client terminal via the network. 1. The insurance contract system according to 1. 3. The insurance company server is provided in each of a plurality of insurance companies, each provided in each of a plurality of insurance companies that provide information on their insurance, and the client terminal is provided in the plurality of insurance companies. Provided with the plurality of evaluation items, the weighting value, and the personal information with respect to the insurance company server provided for each of the companies, from each of the plurality of insurance companies, 3. The insurance contract system according to claim 1, wherein the insurance contract system receives an estimated amount of insurance. 4. The plurality of evaluation items, the weight value,
An insurance selection support server that mediates the personal information, the estimated insurance money amount, and the satisfaction degree value between the client terminal and the insurance company server provided in each of the plurality of insurance companies via the network. The insurance contract system according to claim 3, comprising: 5. The guide for presenting a guide value indicating an example of the input value of the weight value to the client terminal via the network when the insurance selection support server causes the client terminal to input the weight value. The insurance contract system according to claim 4, further comprising a value presenting unit. 6. The insurance selection support server, when causing the client terminal to input the satisfaction level value, presents a guide value indicating an input value example of the satisfaction level value to the client terminal via the network. 5. The insurance contract system according to claim 4, further comprising: a guide value presenting unit that performs a guide value presentation. 7. An insurance contract method for presenting an insurance meeting a demand of an insurance applicant to a client terminal via a network, wherein the insurance applicant who is presented from the client terminal has insurance. Based on a plurality of evaluation items to be considered important when joining, a weighting value indicating a degree of importance to each of the plurality of evaluation items by a numerical value, and personal information of the insurance applicant. Calculate the estimated insurance money amount of the insurance that best matches the request of the insurance applicant, and calculate the estimated insurance money amount through the network,
An insurance contract method, wherein the insurance contract is presented to the client terminal. 8. Satisfaction information for each of the plurality of evaluation items is generated based on a weight value indicating a degree of importance of each of the plurality of evaluation items by a numerical value; The information is presented to the client terminal via the network.
The insurance contract method described. 9. The client terminal presents, to each of a plurality of insurance companies, the plurality of evaluation items, the weight value, and the personal information, and from each of the plurality of insurance companies, 8. The insurance contract method according to claim 7, wherein the insurance company receives an estimated insurance money amount for insurance of the insurance company. 10. The client terminal presents the plurality of evaluation items, the weighting values and the personal information, and the insurance company server provided in each of the plurality of insurance companies satisfies the estimated amount of insurance money. The insurance contract method according to claim 7, wherein the insurance selection support company mediates the presentation of the policy information and the satisfaction degree value via the network. 11. The method according to claim 7, wherein when the weight value is input to the client terminal, a guide value indicating an example of the input value of the weight value is presented to the client terminal via the network. The insurance contract method described. 12. A guide value indicating an example of an input value of the satisfaction degree value is presented to the client terminal via the network when the client terminal inputs the satisfaction degree value. Item 7. The insurance contract method according to Item 7. 13. The insurance selection support company according to claim 10, wherein insurance applicants having similar “evaluation items”, “weighting values”, and “declaration items” are collected.
The insurance contract method described.