JP2002352083A - Method for processing insurance information and computer system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide information processing technique for relieving business burden on major customers and an insurance company in order not to cause hindrance in insurance money payment. SOLUTION: Business burden on the customers and the insurance company is reduced by receiving the list of automobiles which are held at that point of time once a month, for example, without inputting information whenever a new car is purchased or a car is scrapped as in a conventional manner. Besides, identifying information of an insurance object which is not comprised in a list received this time but comprised in a list immediately before reception and identifying information of the insurance object which is comprised in the list received this time but is not comprised in the list immediately before reception are extracted so as to record information concerning a timing with respect to the list which is received this time. Then it is easily judged whether the insurance object is an insurance contract object or not in the case of a claim service such as the occurrence of an accident and also insurance money payment is easily adjusted.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an information processing technology for an insurance contract including a plurality of insurance objects.

[0002]

2. Description of the Related Art For example, in automobile insurance, whether an automobile owned by a customer company is 1,000 or 5,000, it is necessary to fill out one application form or statement entry sheet for each automobile, and the security or Details were also issued for each unit. Therefore, when there is a newly acquired car or a car that has been scrapped in the middle of the insurance period, it is necessary to fill out one approval bill for each car, and an approval letter has been issued for each car. Premiums are calculated for each unit. Therefore, the administrative burden expended on these accounting and the paper, printing, and delivery charges for application forms, securities, and the like become enormous. In addition, if the accounting is delayed due to the complexity of accounting operations, the payment of insurance money will be hindered.

[0003] In addition, since an automobile accident can occur anywhere in the country, it is necessary for an insurance company to refer to contract conditions such as special contracts anywhere in the country. Special contracts are not limited to existing ready-made special contracts, and it is preferable to individually set special contract contents according to customer needs in order to meet user needs. These needs are particularly large for large customers. But,
A system change that is custom-made and can handle all custom-made contracts for all contracts is cost-effective.

[0004] In addition, special tariff systems may be individually applied to large customers instead of tariff rates (standard tariff tables). However, it is necessary to calculate the tariff in such a manner as to deal with such individual circumstances. No system existed.

[0005]

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide an information processing technique for reducing the administrative burden on large customers and insurance companies so as not to hinder the payment of insurance money.

Another object of the present invention is to provide an information processing technique for coping with a special charge setting, a change in an insurance object during a contract period, and the like.

[0007]

According to the insurance information processing method of the present invention, when one insurance contract (for example, car insurance) is made for a plurality of insurance objects (for example, automobiles) having the same insurance contract conditions, A storage device (for example, a contract) including the insurance contract identification information (for example, a security number) and the insurance contract content information for the one insurance contract together with a first list including identification information (for example, a registration number) of each of the plurality of insurance objects. Storing the information in the information DB 61) and identifying the insurance object received from the insurance policyholder and corresponding to the insurance policy identification information at a certain timing (for example, once a month) during the contract period of the insurance policy. A list storing step of storing a second list including information in a storage device (for example, the list storage unit 63); an insurance target included in the first list and a second list included in the second list. Of the insurance objects included in the first list but not included in the second list and identification of the insurance objects not included in the first list but included in the second list. And a difference extracting step of storing the information at a certain timing in the storage device (for example, the contract information DB 63).

In this way, instead of processing information every time a new car is purchased or scrapped as in the prior art, a list of cars held at that time is received, for example, once a month. Alleviate the administrative burden. Also,
In the related art, the insurance contract content information is held for each identification information of each insurance object. In the present invention, for example, one piece of insurance contract content information is held corresponding to a security number. The identification information of the insurance contract object is specified corresponding to the number. Therefore, there is also an effect that the used storage capacity is reduced. As described above, the identification information of the insurance object included in the first list but not included in the second list and the identification information of the insurance object not included in the first list but included in the second list By extracting information about the timing of receiving the second list or the time of creating the list, it is possible to determine whether it is covered by an insurance contract at the time of a claim service such as an accident, Can be easily performed.

Each time the above-described list storing step is performed, the above-described difference extracting step is performed using the second list stored in the storage device immediately before as the first list. For example, it becomes possible to grasp the contents of change for each month. Note that the monthly unit is an example, and the list may be created and acquired at a shorter cycle or a longer cycle, or at any time requested by the insurance company.

In the present invention, the identification information of the insurance object included in the first list but not included in the second list and included in the first list stored in the storage device in the difference extracting step described above is included in the first list. The insurance contract of the above item 1 is obtained by using the information at a certain timing corresponding to the identification information of the insurance object included in the second list but not included in the second list, and the insurance premium (for example, average insurance premium) per insurance object. May further include a step of calculating a settlement amount of the insurance premium. Even if there is a change in the insurance object, there is a case where the change of the insurance premium is not strictly calculated but the payment is made with the insurance premium per insurance object, for example. This is because the insurance contract conditions are the same, and there is no large difference even with such simple calculation.

The identification information of the insurance object included in the first list stored in the storage device in the difference extracting step but not included in the second list, and included in the second list but not included in the first list. Using the information of the certain timing corresponding to the identification information of the insurance object to be obtained and the premium per unit insurance amount, further comprising a step of calculating the settlement amount of the insurance premium of the one insurance contract. It may be. For example, in the case of vehicle insurance, such a settlement method may be adopted.

Further, the information processing apparatus may further include a step of generating information for identifying insurance contract identification information of the insurance object from the identification information of the insurance object, and storing the information in a storage device for search. . By retaining such information, a prompt action can be taken at the time of a claim service.

The information for specifying the insurance contract identification information stored in the search storage device is included in the first list but not included in the second list stored in the storage device in the difference extracting step. There may be a case where the information of the certain timing corresponding to the identification information of the insurance object and the identification information of the insurance object not included in the first list but included in the second list is included. Thus, for example, it is possible to determine whether or not to be treated as an insurance object in consideration of a timing when an accident occurs.

[0014] Further, each of the insurance objects included in the second list is identified by the insurance information according to the first insurance contract by using the identification information of the insurance objects included in the second list stored in the storage device in the list storing step. Judging whether or not it has the attribute of the object, and if it is judged that it does not have the attribute of the insurance object related to the above-mentioned insurance contract among the insurance objects included in the second list, And a step of outputting a confirmation request.
For example, if the attribute of the insurance object newly specified by the customer as an insurance object is different from the attributes of the insurance object listed up to now, there may be cases where the Output.

The insurance object 1 included in the second list
Calculating the premium per insurance policy, and calculating the difference between the insurance premium per insurance policy included in the first insurance contract and the insurance premium per insurance policy included in the second list. Steps, insurance premiums per insurance object and insurance object 1 included in the second list for the insurance contract of the above 1
If the difference from the premium per unit exceeds the prescribed standard,
Setting the insurance premium per one insurance object included in the second list to be used for calculating the settlement amount. When the insurance object is changed, the insurance fee amount per insurance object initially or previously calculated may change. If it has changed beyond a predetermined standard, the insurance object 1
The insurance fee per unit is also changed and the settlement process is performed.

Calculating the insurance premium per unit insurance amount of the insurance object included in the second list; and calculating the insurance premium per unit insurance amount of the insurance object included in the first insurance contract. Calculating the difference between the insurance premium per unit insurance amount of the insurance object included in the list;
If the difference between the insurance premium per unit insurance amount of the insurance object included in the insurance contract and the insurance premium per unit insurance amount of the insurance object included in the second list exceeds a predetermined standard,
Setting the insurance premium per unit insurance amount of the insurance object included in the second list to be used for calculating the settlement amount. The same applies when the premium per unit insurance amount changes.

Further, a step of storing a special contract code (for example, a free special contract code) representing a special contract (for example, a custom-made special contract) for the insurance contract in association with the insurance contract identification information in a storage device (contract information DB 61) And storing the contents of the special contract in a special contract information storage device (for example, special contract bulletin board information storage unit 67) so that the special contract code can be retrieved from the special contract code. If a bulletin board is referred to at the time of claim processing instead of a special system, for example, it is not necessary to consider a system change every time a new custom-made special contract is created.

Further, for the purpose of calculating the insurance premium, a step of storing the insurance contract conditions for the first insurance contract received from the business terminal in a trial calculation content storage device (for example, a trial calculation content storage DB 69); Storing the adjustment rate of the premium received from the terminal of the authorized department (for example, the authorized department terminal 13) with respect to the insurance contract conditions for the one insurance policy stored in the device; Transmitting to the sales terminal 11) insurance premium information that reflects an insurance premium adjustment rate (adjustment data) for the insurance contract conditions for the first insurance contract. Is also good. In this way, the adjustment rate of the insurance premium can be set by the authority department, and negotiations with the customer can be made in the business with the insurance premium reflecting the adjustment rate.

Further, in the accounting processing of the insurance contract, the step of referring to the trial calculation content storage device to confirm whether or not the adjustment rate of the insurance premium with respect to the insurance contract conditions for the insurance contract of the above-mentioned 1 is further performed. Such a configuration may be included. As a result, it is possible to determine whether or not the business has followed the adjustment rate set by the authority department, and if not, it is possible to issue an alarm.

It is also possible to create a program for causing a computer to execute the insurance information processing method according to the present invention.
It is stored in a storage medium or storage device such as a disk, CD-ROM, magneto-optical disk, semiconductor memory, or hard disk. Also, it may be distributed via a network. The data being processed is temporarily stored in the memory of the computer.

[0021]

FIG. 1 shows an outline of a system according to an embodiment of the present invention. An example in which the insurance contract object is a car will be described below. For example, a contract company computer 3 which is a computer of a company having many automobiles
Manages a list storage unit 31 that stores a list of owned automobiles, and connects to the insurance company system 5 via a network 1 such as a public line network or the Internet. Although only one contract company computer 3 is shown in FIG. 1, there are many contract company computers. In addition, a list of owned vehicles is provided for each group of vehicles included in one insurance contract because the insurance contract conditions are the same.

The insurance company system 5 carries out processing each time an insurance object list is received from a contracting company, and an insurance object list processing unit 51, and an insurance contract based on insurance object identification information (for example, a car registration number). A search processing unit 53 for searching for identification information (for example, a security number); an insurance payment processing unit 55 for performing an insurance payment processing for an increase or decrease in an insurance object during an insurance period; Insurance premium calculation processing unit 57 that performs processing for supporting the insurance contract, accounting processing unit 58 that performs processing for accounting for an insurance contract application, and processing for managing, for example, the increase or decrease in the number of automobiles owned by the contracted company. And a vehicle management unit 59 that performs the following.

The insurance company system 5 includes a contract information DB 61 for storing information related to each insurance contract, a list storage unit 63 for receiving a list of automobiles at a certain timing received from the contracting company computer 3, and installed in, for example, a call center. A search file storage unit 65 used for searching for a security number or the like from a registration number in response to a request from the complaint processing terminal 9 and information for a special contract bulletin board including content information of a special contract set in an insurance contract. It manages a special bulletin board information storage section 67 to be stored and a trial calculation content storage DB 69 to store the details of the insurance premium trial calculation.

The insurance company system 5 has a LAN (Loca
l Area Network) 7 and one or more complaint processing terminals 9 operated by a complaint handling person via the LAN 7 or the like, and a sales person (in some cases, a person in charge of an agency) One or more business terminals 11 operated by
An authority department terminal 13 installed in a department having authority for insurance premium adjustment is connected. A public line network may be used instead of the LAN 7 or a VPN (Virtual Pr
ivate Network).

Next, the processing or business procedure flow of the system shown in FIG. 1 will be described with reference to FIGS. First, a business procedure flow will be described with reference to FIG. First, the sales representative performs a trial calculation of the insurance premium from the insurance contract conditions and the like by linking the sales terminal 11 and the premium trial calculation processing unit 57 of the insurance company system 5 (step S).
1). Note that a configuration may be adopted in which a program for insurance premium calculation is installed in the business terminal 11 and the insurance premium is calculated only by the business terminal 11. In addition, when discounting insurance premiums for large customers and good customers,
The trial calculation of the insurance premium is performed in cooperation with the authority department terminal 13 operated by the person in charge of the department having the authority to adjust the insurance premium. Then, an application form for one insurance contract for a plurality of insurance objects (vehicles) having the same insurance contract conditions is printed. The insurance premium calculation process will be described later in detail.

Next, an insurance contract is concluded with the customer using the application form printed by the insurance premium calculation process (step S).
3). A list of insurance objects (registration number list) related to the insurance contract is also passed from the contracting company to the insurance company. Then, accounting of the concluded insurance contract is performed by a sales person or the like, and accounting processing is performed by the accounting processing unit 58 in the insurance company system 5 (step S5). This processing will be described later in detail. In the present embodiment, the insurance object list processing unit 51 of the insurance company system 5 receives a list of insurance objects at that time from the contracting company computer 3, for example, once a month (step S7). The contracting company computer 3 holds a list of insurance objects in the list storage unit 31 and reads out the list at the time of transmission. The received list is stored in the list storage unit 6 by the insurance object list processing unit 51.
3 is stored. Then, the difference between the list of insurance objects acquired immediately before and the list of insurance objects acquired this time is extracted and processed (step S9). The list difference processing will be described later in detail. This step S7
And S9 are repeated until the end of the insurance contract period (step S9).
11). Then, at the end of the insurance contract, a premium settlement process corresponding to the increase or decrease of the insurance object is performed (step S1).
3). This processing will be described later in detail.

By doing so, the contracting company:
Eliminates the need to submit an invoice for approval every time an insurance object increases or decreases. That is, for example, it is only necessary to send the list of insurance objects to be held once a month, so that the burden of paperwork is reduced. On the other hand, the insurance company also prepares a statement of each insurance object, and reduces the paperwork of approval bills submitted when increasing or decreasing the number of insurance objects. However, in order to appropriately perform the claim processing such as insurance payment, the list difference processing in step S9 is performed.

Next, the insurance premium calculation process, which is step S1 in FIG. 2, will be described with reference to FIG. The insurance premium calculation processing section 57 of the insurance company system 5 receives the contract condition data from the business terminal 11 and issues a trial calculation number as a search key (step S21). Then, the contract condition data and the trial calculation number data are stored in the trial calculation content storage DB 69. As the contract condition data, for example, contract start date, maturity (end), classification of individual corporation, insurance payment method, age condition, previous year's accident result, vehicle type, vehicle name, model, registration number, airbag of each insurance object Presence / absence, ABS presence / absence, whether it is an eco-friendly vehicle, vehicle insurance amount, deductible amount, substitute vehicle cost compensation amount, personal liability insurance amount, passenger accident insurance amount, objective liability insurance amount, personal injury insurance amount, special contract Contents. Then, the insurance premium calculation unit 57 calculates the insurance premium in accordance with the received contract condition data (step S23). Then, the calculated information on the insurance premium is transmitted to the business terminal 11. In addition, about step S23, the structure which calculates by the premium calculation program etc. which were installed in the sales terminal 11 may be sufficient.

If a special charge is to be set for an insurance contract for trial calculation of insurance premiums, for example, the sales representative instructs the premium calculation processing unit 57 of the insurance company system 5 to adjust the premium from the sales terminal 11. Submit the request. The insurance premium calculation processing unit 57 receives the insurance premium adjustment request from the business terminal 11 (step S25). Then, the insurance premium calculation processing unit 57
Sends an adjustment request (for example, e-mail) including the trial calculation number to the authority department (step S27). In addition, it is also possible to adopt a configuration in which this section is notified directly by the sales representative to the authorized department by telephone or the like.

The person in charge of the authority department receiving the adjustment request operates the authority department terminal 13 and accesses the contract condition data relating to the adjustment request using the trial calculation number. The insurance premium calculation processing unit 57 receives access to the contract condition data relating to the adjustment request from the authority section terminal 13, and searches the trial calculation content storage DB 69 using the trial calculation number (step S29). Then, the contract condition data and the adjustment data input screen information relating to the adjustment request are transmitted to the authority section terminal 13 (step S3).
1). Instead of transmitting screen information, the command may be a request to open an adjustment data input window. For example, the contract condition data is displayed on the display device of the authority section terminal 13 on the same screen as the input screen on the sales terminal 11, and for example, the adjustment data input screen is displayed on the display device in a separate window. On the adjustment data input screen, for example, the applicable merits and demerits rates, which are discounts or surcharge rates determined from past accident results, etc., the large discount rates, which are discount rates for large customers, personal liability insurance amounts and special contract conditions, etc. And the personal adjustment rate, which is a discount or surcharge rate, the objective adjustment rate, which is a discount or surcharge rate determined by conditions such as the amount of objective liability insurance and special provisions, and the amount determined by conditions such as the amount of passenger injury insurance and special provisions. The discount or surcharge rate, which is determined by the discount or surcharge rate, the personal injury compensation rate, which is a discount or surcharge rate determined by conditions such as the personal injury insurance amount and its special contracts, and the discount or surcharge rate that is determined by conditions such as the vehicle insurance amount or its special contracts The vehicle adjustment rate is input.

A person in charge of the authorized department refers to the contract condition data and inputs the setting of each adjustment data to the authorized department terminal 13. Then, the authority section terminal 13 transmits the adjustment data to the insurance premium calculation processing section 57 of the insurance company system 5. The insurance premium calculation processing section 57 receives the adjustment data from the authority section terminal 13 and stores it in the trial calculation content storage DB 69 corresponding to the trial calculation number (step S33).

The insurance premium calculation processor 57 recalculates the insurance premium based on the received adjustment data, and also stores information on the insurance premium in the trial calculation content storage DB 69 (step S35). However, this insurance premium recalculation may also be executed by the authority section terminal 13. When the adjustment of the insurance premium by the authorized department is completed in this way, the insurance premium calculation processing unit 57 notifies the business that the adjustment has been completed using, for example, an electronic mail (step S3).
7). However, the configuration may be such that the person in charge of the authority department notifies the sales person in charge of the completion of the input by telephone or the like.

Upon receiving the adjusted notice, the sales representative
The sales terminal 11 is operated and the trial calculation number is designated to access the contract condition data again. The insurance premium calculation processing unit 57
In response to the access, search the trial calculation content storage DB 69,
The contract condition data corresponding to the trial calculation number and the adjustment data input by the person in charge of the authority department are read and transmitted to the sales terminal 11 (step S39).

In the sales terminal 11, the insurance premium calculation processing unit 57
When the contract condition data and the adjustment data are received from, for example, the contract condition data is displayed in a form embedded in the contract condition input screen, and the adjustment data is the same as the adjustment data input screen displayed on the authority section terminal 13. Is displayed (however, numerical values cannot be modified).

If the sales person decides to print the application form in accordance with the displayed contract condition data and adjustment data, he operates the business terminal 11 and inputs an application form print instruction. Then, the business terminal 11 transmits an application form printing instruction to the insurance trial calculation processing unit 57. Upon receiving the application form printing instruction from the business terminal 11, the insurance premium calculation processing unit 57 issues a security number, creates print data of the application form according to the security number, the trial number, the contract condition data, and the adjustment data, For example, the data is transmitted to a printer (not shown) used by the sales terminal 11. The printer prints the application form according to the print data (step S41). The print data may be generated by a program installed in the sales terminal 11 in some cases. In addition, the insurance premium calculation processing unit 57 that has received the print instruction may output the contract condition data and the adjustment data to the accounting processing unit 58 corresponding to the trial calculation number. In addition, a flag indicating that the application form has been printed may be set in the trial calculation content storage DB 69 corresponding to the trial calculation number.

In this way, it is possible to prepare an application form after adjusting the insurance premiums in accordance with the instructions of the authority department in accordance with the contract conditions of each customer.

Next, the accounting process in FIG. 2 (step S
The processing flow of 5) will be described with reference to FIG. The accounting processing unit 58 of the insurance company system 5 receives the contract content information from the sales terminal 11 or the terminal of the department that inputs the contents of the contracted application form (step S51). The contract content information includes a trial calculation number. Therefore, the accounting processing unit 58 extracts the contract condition data at the time of printing the application form stored in the trial calculation content storage DB 69 using the trial calculation number (step S5).
3). Then, the entered contract content information is compared with the contract condition data at the time of printing the application stored in the trial calculation content storage DB 69 (step S55). The comparison target is
You may make it compare not only all the contents of a contract but only an important part. For example, it may be possible to check only whether or not the insurance adjustment data has been changed.

If it is determined in step S55 that the two do not match as a comparison result, the accounting processing unit 58 outputs a warning to, for example, an authority (step S55).
63). For example, a warning mail including a trial calculation number and a security number is transmitted to the authority. On the other hand, if it is determined that they match, the accounting processing unit 58 stores the contract contents in the contract information DB.
61 (step S57). Contract information DB 61
Not only, for example, a DB for managing the collection of insurance premiums
May also be registered.

FIG. 5 shows an example of data stored in the contract information DB 61. In this example, the security number, contract details (contract start, contract end (maturity), initial number, total vehicle insurance amount, personal liability insurance amount, objective liability insurance amount,
Passenger accident insurance amount, personal injury insurance amount, free special agreement code, attributes, initial insurance premiums (liability insurance and vehicle insurance),
Settlement premium, etc.), the registration number of the insurance object (automobile),
The vehicle insurance amount, the insurance application start date (start) and the end date (end) for each registration number are stored. Further, other data may be stored.

Returning to the description of FIG. 4, next, for example, when an accident or the like occurs and a complaint process is carried out, the registration number is used from the complaint processing terminal 9 to determine whether it is included in the security number or the insurance coverage period. The search processing unit 53 generates a search file for searching for the information, and stores it in the search file storage unit 65 (step S59). For example, FIG. 6 shows an example of data stored in a search file. In the example of FIG. 6, data of the security number and the start and end of the insurance coverage period are stored in correspondence with the registration number. In this way, the person in charge of operating the complaint processing terminal 9 can use the search processing unit 53 and the search file storage unit 65 to check whether the security number exists corresponding to the registration number, whether the insurance target period has started, and It is possible to obtain information for determining whether a date such as an accident is included during the final period.
For example, if a security number exists, the search processing unit 53
The contract information DB 61 may be further searched using the securities number, and the contract information may be displayed on the claim processing terminal 9.

Returning to the processing of FIG. 4 again, if the custom contract is included in the contract contents, the accounting processing unit 5
8 issues a free special contract code and registers it in the contract information DB 61, and registers the detailed contents of the special contract in the special contract bulletin board information storage 67 in association with the free special contract code (step S61). As a result, the person in charge of the complaint processing terminal 9 can acquire the free special contract code from the information on the contract contents, and can search the actual special contract contents from the special contract bulletin board from the free special contract code. .

By executing the accounting process as described above, it is possible to prepare for a case where a complaint process such as an accident occurs after the insurance contract is concluded. Note that the accounting process includes a process such as confirmation of collection of the insurance premium, which is not described above, but is not particularly described here because it is not so related to the present embodiment.

Next, a list difference process (FIG. 2: step S9) performed after the insurance object list receiving process (FIG. 2: step S7) will be described with reference to FIG.
Note that the insurance object list received in step S7 of FIG. 2 and stored in the list storage unit 63 is, for example, as shown in FIG.
It is a list like. That is, the registration number is listed as identification information of the insurance object currently held by the contracting company corresponding to the security number.

In the list difference processing, first, the insurance object list processing unit 51 extracts a difference between the immediately preceding list stored in the list storage unit 63 and the currently received list (step S71). That is, it extracts insurance objects that are included in the immediately preceding list but are not included in the list received this time and insurance objects that are not included in the immediately preceding list but are included in the list received this time. One example of the extraction result is shown in FIGS. FIG.
(A) is a use stop list of the insurance object included in the immediately preceding list but not included in the list received this time. FIG. 9B is a use start list of the insurance object not included in the immediately preceding list but included in the list received this time. In this manner, the difference between the immediately preceding list and the currently received list is extracted.

Then, the insurance object list processing unit 51
The attribute of each insurance object not included in the immediately preceding list but included in the list received this time is included in the contract content information stored in the contract information DB 63 for the insurance contract. Is determined (step S73). In an example of information stored in the contract information DB 61 shown in FIG. 5, an attribute of a normal passenger car is shown as an attribute. Therefore, this securities number 123456
In the case of, at the beginning of the contract, the attributes of the insurance object are specified as ordinary passenger cars in principle. Therefore, this time, for example, FIG.
It is confirmed whether the registration number included in the use start list shown in (b) does not include a registration number that is not assigned to an ordinary passenger car. This makes it possible to detect, for example, a case where the contracting company incorrectly or intentionally declares an insurance object having a different attribute.
The following describes the settlement of insurance premiums.
In some cases, insurance premiums per vehicle (eg, average hot water) may be used without calculating insurance premiums per vehicle. Therefore, if insurance objects having attributes that are too different are included, 1 It may be inappropriate to use per-vehicle premiums (eg, average premiums). Thus, it may be appropriate to perform this step.

If the attribute of the increased insurance object does not match the attribute of the insurance contract, an insurance object having an attribute that does not match is extracted and a confirmation request is transmitted to, for example, the contract company computer 3. Alternatively, a confirmation request is output to the sales representative of the contracted company (step S75). on the other hand,
When the attribute of the increased insurance object matches the attribute of the insurance contract, the contract information DB 61 is updated (step S77). For example, as for the registration numbers included in the use suspension list in FIG. 9A, the end date of the insurance coverage period corresponding to the registration number in the contract information DB 61 is updated based on the creation date or the reception date of the list received this time. In addition,
For example, the end (expiration) date of this insurance contract is stored in the end column corresponding to the registration number initially. On the other hand, FIG.
The registration number included in the use start list of (b) is added to the contract information DB 61 in correspondence with the received security number, and the date of creation or reception of the list received this time corresponds to the registration number of the contract information DB 61. Register as the beginning of the insurance period.

The insurance object list processing section 51 updates the search file stored in the search file storage section 65 (step S81). The search file also includes the start and end of the insurance period of the insurance object in accordance with the registration number. Therefore, with respect to the registration number included in the use stop list, the end of the insurance target period corresponding to the registration number of the search file is updated with the creation date or the reception date of the list received this time. On the other hand, as for the registration number included in the use start list, the security number and the creation date or reception date of the list received this time are registered as the start of the insurance coverage period in correspondence with the registration number.

By carrying out such processing, the person in charge of processing the complaint at the time of complaint processing for an accident or the like can confirm whether the insurance object related to the accident is insured.
It is possible to check whether it is within the period covered by the insurance, and it is possible to take prompt action. In the present embodiment, since the actual entry date or sale or scrapped date is different from the list creation date or the reception date, the update process performed in step S79 or S81 as described above does not allow a strict determination. There is also. In this case, if the difference between the date listed on the use discontinuation list or use start list and the date on which the complaint occurred is within the specified number of days, check the date of receipt, sale, etc. individually for confirmation separately. Procedure.

Next, a first example of the insurance premium settlement process (FIG. 2: step S13) will be described with reference to FIG. The insurance premium settlement processing unit 55 performs the following processing at the end (expiration) of the insurance contract period. First, an insurance fee per vehicle (for example, an average insurance fee, etc.) or, in the case of vehicle insurance, an insurance fee per unit vehicle insurance amount (for example, 1,000 yen) is calculated (step S91). The contract information DB 61 includes an initial insurance premium and initial number of liability insurance, and an initial insurance premium and vehicle insurance amount of vehicle insurance. Using this information, for example, (initial premium for liability insurance / initial number)
The average insurance premium per vehicle is calculated, and the insurance premium per unit vehicle insurance amount is calculated by (initial insurance premium of vehicle insurance / (vehicle insurance amount / unit insurance amount)) and recorded in the contract information DB 61.

Next, for each insurance object whose start and end of the insurance period corresponding to the registration number are not the same as the start and end (maturity) of the insurance contract, the insurance premium corresponding to the insurance period is calculated ( Step S93). For example, in a configuration in which the list is updated every month, for example, the insurance premium per vehicle (for example, average insurance premium) and the insurance premium per unit vehicle insurance amount calculated in step S91 are set to 1
The insurance premium corresponding to the insurance coverage period is calculated using the amount divided by 2. In addition, a configuration for performing a daily calculation or the like may be used. For the insurance premium of each insurance object whose start and end of the insurance period corresponding to the registration number are the same as the start and end (maturity) of the insurance contract, the insurance premium per vehicle calculated in step S91 (for example, Average premium) and the premium per unit vehicle insurance value.

Finally, the difference between the total initial premium (initial premium for liability insurance + initial premium for vehicle insurance) and the total premium calculated in step S93 is calculated.
The settlement insurance fee is calculated (step S95).

According to the calculated premium, the premium is refunded if the initial premium is too large, and the premium is collected if the initial premium is too small.

Note that the initial composition ratio of the insurance object may gradually change due to the change of the insurance object. In such a case, it may not be appropriate to use the initial insurance premium per vehicle (for example, the average insurance premium) or the initial insurance premium per unit vehicle insurance amount to the end.

Therefore, the insurance premium settlement processing unit 53 may calculate the settlement insurance premium in accordance with a processing flow as shown in FIG. 11, for example. Hereinafter, the processing flow of FIG. 11 will be described. First, the initial insurance premium (for example, average insurance premium)
And calculate the insurance premium of the unit vehicle insurance amount (step S
101). This process is the same as step S91 in FIG. Next, the total insurance premium is calculated according to the list received next, and the insurance premium per vehicle and the insurance premium per unit vehicle insurance amount in the list are calculated from the total insurance premium (step S103). For the total premium, the premium is calculated in the same manner as when calculating the initial total premium. The same applies to insurance premium adjustment data set by a person in charge of the authority department.

Then, the difference between the initial insurance premium (for example, average insurance premium) per vehicle and the insurance premium per vehicle (for example, average insurance premium) in the next received list, the initial per-unit vehicle insurance amount The difference between the insurance premium and the insurance premium per unit vehicle insurance amount in the list received next is calculated (step S105).

Next, it is determined whether the difference calculated in step S105 is within a predetermined reference (step S10).
7). This determination may be made when the difference between the insurance premium per vehicle (for example, average insurance premium) or the insurance premium per unit vehicle insurance amount exceeds a predetermined standard, and exceeds the predetermined standard. , May be determined to exceed a predetermined criterion when both exceed a predetermined criterion. if,
If it is determined that the difference exceeds a predetermined standard, the insurance premiums up to the time when this list is created or received is calculated based on the initial insurance premium per vehicle (for example, average insurance premium) and the initial unit vehicle insurance amount. Is calculated and accumulated using the insurance premium (step S111). For example, if the list is received once a month, the initial premium per vehicle (for example, average premium) and the initial premium per unit vehicle insurance value divided by 12 are used to calculate the list. Calculate the insurance premium according to the insurance period of each insurance object until the list is created or received, and accumulate all of them. In addition, a daily calculation or the like may be used.

Then, 1 in the list received next
The premium per vehicle (eg, average premium) and the premium per unit vehicle insurance are set to the initial premium per vehicle (eg, average premium) and the premium per unit vehicle insurance (step). S113). Hereinafter, the insurance premium will be calculated using the amount thus changed.

On the other hand, if it is determined in step S107 that the difference is within the predetermined standard, the insurance premium until the list is received or created is replaced with the initial insurance premium per vehicle (for example, average insurance premium). Then, the calculation is performed using the insurance premium per unit vehicle insurance amount, and all are accumulated (step S109). In the following processing, the initial insurance premium per vehicle (for example, average insurance premium) and the insurance premium per unit vehicle insurance amount are used as they are.

Such processing is repeated until the insurance contract expires (step S115). When the insurance premium calculation until the maturity is completed, the difference between the initial total insurance premium and the insurance premium accumulated in step S111 is calculated, and the difference is set as a settlement premium (step S117).

By using such a processing flow, it is possible to calculate the insurance premium in accordance with the composition ratio of the insurance object, and to cope with the change of the insurance object. Become.

The vehicle management section 59 is a section for providing the same function as the vehicle management program conventionally executed on the contract company computer 3 in the insurance company system 5. For example, in addition to managing the increase and decrease of automobiles and insurance, information on insurance claims and accidents that do not result in insurance claims is also stored and provided, and comprehensive analysis processing results are provided to optimize and secure insurance. To be able to plan and draft measures.

While the embodiment of the present invention has been described above, the present invention is not limited to this. For example, the system outline in FIG. 4 is an example, and it is possible to realize the same function with a different system configuration. In particular, the function division of the insurance company system 5 is an example, and another division method may be used. The storage device group is not divided as described above.
May be used to manage necessary data.

The frequency at which the contracted company computer 3 transmits the list of insurance objects is described to be once a month, but is not limited to such a period. It is also possible to change for each contracting company. In addition, insurance company system 5
Every time there is a request from the client, the contracted company computer 3 reads the list at that time from the list storage unit 31 each time,
It may be configured to transmit to the insurance company system 5.

In the above, an example has been shown in which insurance premiums per unit (for example, average insurance premiums) are used to settle insurance premiums for liability insurance. However, similar to vehicle insurance, insurance premiums per unit insurance amount may be used. is there. In addition, although the example has been described in which the settlement of the insurance premium is collectively processed at the time of expiration, the insurance premium may be adjusted each time a list is created or received.

The contract company computer 3 is connected to the network 1
Has been described in which the list of vehicles related to the insurance contract is transmitted to the insurance company system 5 through the network 1.
A configuration may be used in which the information is input to the insurance company system 5 by, for example, a flexible disk or the like without going through.

In the above example, when adjusting the insurance premium,
Although the setting input by the person in charge of the authority department was necessary, for example, the sales terminal 11 automatically reads information on past accident histories and the like, and automatically calculates an adjustment rate and the like from the information on the accident histories. Such a configuration is also possible.

It is also possible to create a program for causing a computer to execute the processing flow as described above. The program may be, for example, a flexible disk, CD-ROM, magneto-optical disk, semiconductor memory, hard disk, or the like. Is stored in a storage medium or a storage device. Also, it may be distributed via a network. The data being processed is temporarily stored in the memory of the computer.

[0068]

As described above, the information processing technology for reducing the administrative burden on large customers and insurance companies so as not to hinder the payment of insurance money can be provided.

Further, it was possible to provide an information processing technique for coping with a special charge setting, a change of an insurance object during a contract period, and the like.

[Brief description of the drawings]

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

FIG. 2 is a diagram showing an overall processing flow according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating an example of a processing flow of insurance premium calculation processing.

FIG. 4 is a diagram illustrating an example of a processing flow of an accounting process.

FIG. 5 is a diagram showing an example of information stored in a contract information DB.

FIG. 6 is a diagram illustrating an example of information stored in a search file.

FIG. 7 is a diagram illustrating a processing flow of a list difference process.

FIG. 8 is a diagram showing an example of a list of insurance objects received from a contracting company at a certain timing.

FIGS. 9A and 9B are diagrams illustrating an example of a difference between the immediately preceding list and the current list. FIG. 9A illustrates a use stop list, and FIG. 9B illustrates a use start list.

FIG. 10 is a diagram showing a first example of a processing flow of insurance premium settlement processing.

FIG. 11 is a diagram showing a second example of the processing flow of the insurance premium settlement processing.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Network 3 Contracting company computer 5 Insurance company system 7 LAN 9 Claim processing terminal 11 Sales terminal 13 Authority department terminal 31 List storage unit 51 Insurance object list processing unit 53 Search processing unit 55 Premium settlement processing unit 57 Insurance premium estimation processing Part 58 Accounting processing part 59 Vehicle management part 61 Contract information DB 63 List storage part 65 Search file storage part 67 Special bulletin board information storage part 69 Trial calculation contents storage DB

Continuing on the front page (72) Ken Yamamoto, Inventor 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Tokyo Marine Insurance Co., Ltd. (72) Inventor Hiroki Kurita 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Tokyo Marine Fire Insurance Co., Ltd. (72) Takashi Toyoda 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Tokyo Metropolitan Marine Fire Insurance Co., Ltd. (72) Takuya Hayami 1-2-1, Marunouchi, Chiyoda-ku, Tokyo (72) Inventor Yoshiaki Yamanaka 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Inside (72) Inventor Takayuki Udono 2-chome, Tsurumaki, Tama-shi, Tokyo No. 1 Tokio Marine System Development Co., Ltd. (72) Inventor Hiroyuki Tan 2nd Ichiba Tsurumaki, Tama-shi, Tokyo Tokio Marine System Development Co., Ltd.

Claims (15)

[Claims] When one insurance contract is made for a plurality of insurance objects having the same insurance contract conditions, one insurance contract identification information and one insurance contract content information for the one insurance contract are transferred to the plurality of insurance contracts. Storing in a storage device together with a first list including identification information of each of the objects, corresponding to the one insurance contract identification information received from the policyholder and at a certain timing during the contract period of the one insurance policy; Storing a second list including identification information of the insurance object to be stored in the storage device; comparing the insurance object included in the first list with the insurance object included in the second list; Identification information of insurance objects included in the first list but not included in the second list and identification of insurance objects not included in the first list but included in the second list Insurance information processing method comprising difference extraction step of storing said certain timing information and broadcasting in the storage device. 2. Each time the list storing step is performed,
2. The insurance information processing method according to claim 1, wherein the difference extraction step is performed using the second list stored in the storage device immediately before as the first list. 3. The method according to claim 1, wherein the second list is included in the first list stored in the storage device in the difference extracting step.
Identification information of the insurance object not included in the list and the first
Using the information of the certain timing corresponding to the identification information of the insurance object not included in the list but included in the second list, and the insurance premium per insurance object, The insurance information processing method according to claim 2, further comprising: calculating a settlement amount of the insurance premium. 4. The method according to claim 1, wherein said second list is included in said first list stored in said storage device in said difference extracting step.
Identification information of the insurance object not included in the list and the first
The information of the certain timing corresponding to the identification information of the insurance object not included in the list but included in the second list and the insurance premium per unit insurance amount are used to calculate the insurance premium of the first insurance contract. The insurance information processing method according to claim 2, further comprising: calculating a settlement amount. 5. The information processing method according to claim 1, further comprising the step of generating information for identifying said insurance contract identification information of said insurance object from said identification information of said insurance object and storing it in a storage device for search. The insurance information processing method according to any one of the above. 6. The information for specifying the insurance contract identification information stored in the search storage device, which is included in the first list stored in the storage device in the difference extracting step, 2 includes identification information of an insurance object not included in the first list and information of the certain timing corresponding to identification information of the insurance object not included in the first list but included in the second list. The insurance information processing method according to claim 5. 7. Each of the insurance objects included in the second list is identified by using the identification information of the insurance objects included in the second list stored in the storage device in the list storing step. Judging whether or not it has the attribute of the insurance object relating to the contract; and judging that it does not have the attribute of the insurance object relating to the first insurance contract among the insurance objects included in the second list. The insurance information processing method according to any one of claims 1 to 6, further comprising a step of outputting a confirmation request when the request is made. 8. The method according to claim 8, further comprising: calculating an insurance premium per insurance object included in said second list; and calculating an insurance premium per insurance object included in said one insurance contract and said insurance list. Calculating the difference between the insurance premium per insurance object included, and the insurance premium per insurance object for the one insurance contract and the insurance premium per insurance object included in the second list. If the difference from the premium of the insurance object exceeds a predetermined criterion, setting the premium per insurance object included in the second list to be used for calculating the settlement amount. The insurance information processing method according to claim 3. 9. calculating insurance premiums per unit insurance amount of insurance objects included in the second list; and insurance premiums per unit insurance amount of insurance objects included in the one insurance contract. Calculating the difference between the insurance premium per unit insurance amount of the insurance object included in the second list; and the insurance premium per unit insurance amount of the insurance object included in the first insurance contract and the second list. If the difference from the insurance premium per unit insurance amount of the insurance object included in the above exceeds a predetermined criterion, the insurance premium per unit insurance amount of the insurance object included in the second list is calculated as the settlement amount The insurance information processing method according to claim 4, further comprising the step of: setting to use the insurance information. 10. A step of storing a contract code indicating a contract with respect to said one insurance contract in a storage device in correspondence with said insurance contract identification information, and storing a contract information so that the contents of said contract can be searched from said contract code. The insurance information processing method according to any one of claims 1 to 9, further comprising: storing in the device. 11. A step of storing insurance contract conditions for said one insurance contract received from a business terminal in a trial calculation content storage device for a trial calculation of insurance premiums; Storing the adjustment rate of the insurance premium received from the terminal of the authority section for the insurance contract condition for one insurance contract; and the insurance contract for the one insurance contract for the business terminal. The insurance information processing method according to claim 1, further comprising: transmitting insurance premium information reflecting an adjustment rate of the insurance premium with respect to a condition. 12. A step of referring to the trial calculation content storage device during the accounting processing of the one insurance contract and confirming whether or not the adjustment rate of the insurance premium with respect to the insurance contract conditions for the one insurance contract is followed. The insurance information processing method according to claim 11, further comprising: 13. When one insurance contract is made for a plurality of insurance objects having the same insurance contract conditions, one insurance contract identification information and insurance contract content information for the one insurance contract are replaced with the plurality of insurance contracts. Means for storing in a storage device together with a first list including identification information of each of the objects, corresponding to the one insurance contract identification information received from the policyholder and at a certain timing during the contract period of the one insurance policy List storage means for storing in a storage device a second list including identification information of the insurance object to be executed, and comparing the insurance object included in the first list with the insurance object included in the second list. Identification information of an insurance object included in the first list but not included in the second list, and identification information of an insurance object not included in the first list but included in the second list; Computer system having a difference extraction means for storing in the storage device information of the timing with the attached. 14. The difference extracting means, each time the list storing means stores the second list in a storage device, executes the second list stored in the storage device immediately before as the first list. 14. The computer system according to claim 13, wherein: 15. When one insurance contract is made for a plurality of insurance objects having the same insurance contract conditions, one insurance contract identification information and one insurance contract content information for the one insurance contract are replaced by the plurality of insurance contracts. Storing in a storage device together with a first list including identification information of each of the objects, corresponding to the one insurance contract identification information received from the policyholder and at a certain timing during the contract period of the one insurance policy; Storing a second list including identification information of the insurance object to be stored in the storage device; comparing the insurance object included in the first list with the insurance object included in the second list; Identification information of the insurance object included in the first list but not included in the second list and identification of the insurance object not included in the first list but included in the second list. Program for executing a difference extracting step of storing information of the certain timing in the storage device for the information, to the computer.