JP2003067579A - Office transaction system for fleet contract - Google Patents

Abstract

PROBLEM TO BE SOLVED: To greatly reduce the burden of office transaction procedures in newly concluding or renewing a fleet contract and in transferring automobiles. SOLUTION: An insured client 30 inputs through the Internet 20 the contract data needed for calculating a premium for each automobile, mainly for the insured, and the vehicle data needed for calculation of the premium and for accident management, including types, registration numbers, names and models of the automobiles. A premium calculating part 11 calculates the premium based on the contract data and the vehicle data and a certificate-of-approval creating part 13 creates a certificate of approval describing the total premiums calculated.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to automobile insurance including at least one of the following types of personal injury, objective, personal injury, and passenger injuries between an insurance policyholder who owns or uses a plurality of automobiles and an insurance company. The present invention relates to a fleet contract office processing system, and particularly to a fleet contract office processing system capable of simplifying procedures at the time of contract or transfer.

[0002]

2. Description of the Related Art In automobile insurance, a fleet contract can be made when one policyholder owns or uses a large number of automobiles, for example, a predetermined number of automobiles, such as ten automobiles. Fleet contracts often offer benefits such as discounts on insurance premiums and regardless of driver conditions.

However, the paperwork procedure for fleet contracts is as follows:
Similar to individual insurance contracts, one contract application was required for each car. In other words, each contract application form must describe each item necessary for calculating the insurance premium rate and handling accidents, which is tedious and error-prone. It was. In addition, an insurance policyholder who already has a fleet contract needs a contract application form in which necessary items are written even when the vehicle is changed or the number of vehicles is increased or decreased. In addition, since the fleet contract is basically a contract for each car, the amount of insurance payments fluctuates like a monthly change due to the change of car, and the maturity date and the settlement period vary from car to car. The payment procedure was complicated and difficult to understand.

[0004]

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide a fleet contract business processing system capable of significantly reducing the burden of business processing procedures when a fleet contract is newly or continuously contracted or when an automobile is transferred. To provide.

[0005]

In order to achieve the above object, the present invention provides a policy between an insurance company and an insurance policyholder who owns or uses a plurality of vehicles exceeding a predetermined number.
A fleet contract processing system for car insurance that includes at least one of the following types of personal injury, object damage, personal injury, and passenger injuries, and contract data mainly related to policyholders necessary for calculating insurance premiums for each car. Contract data input means for inputting, vehicle data input means for inputting vehicle data required for calculation of the insurance premium and accident processing, including at least the vehicle type, registration number, vehicle name and model of the automobile, and An insurance premium calculation means for transferring the contract data input by the contract data input means and the vehicle data input by the vehicle data input means, and calculating the insurance premium based on the contract data and the vehicle data, Underwriting approval that creates an underwriting approval statement that describes the total insurance premiums that are calculated by the insurance premium calculation means It was constructed paperwork system fleet contract and a creation means.

In such a fleet contract office processing system, when a new contract or a continuation contract of a fleet contract is made, a person such as an insurance policyholder or an insurance company who wants to perform office work performs contract data input means and vehicle data input means. From
Enter contract data and vehicle data. The entered contract data and vehicle data are transferred to the insurance premium calculation means,
The insurance premium preparation means calculates an insurance premium for each vehicle based on the contract data and the vehicle data. The calculated insurance premiums are totaled, and the totaled total premiums are written in the underwriting approval document created by the underwriting approval document creating means. With this underwriting authorization, the paperwork procedure up to the subsequent fleet contract will be performed. Of course, it may be necessary to supplement the data on policyholders and automobiles in the process of subsequent procedures.

Therefore, according to the fleet contract office processing system of the present invention, the total insurance premium is calculated and the underwriting approval is prepared only by inputting the contract data and the vehicle data. It is possible to significantly reduce the labor involved in the paperwork and prevent the occurrence of description errors.

[0008] Here, the contract data is mainly data relating to the insurance policyholder, which is necessary for calculating the insurance premium, and may differ for each contract. For example, if you have a new contract,
In addition to the address, name, or name of the policyholder, the company profile (type of company, listing category, number of employees, capital, etc.), insurance transaction status, stockholding status, etc. will be required. In some cases it is sufficient to be able to identify the policyholder. The vehicle data is data on automobiles necessary for calculating insurance premiums and handling accidents, and the types of applications (private passenger cars, private small passenger cars, private light four-wheeled freight cars, private small freight cars, mopeds, etc.) are mainly insurance. It is the data necessary for calculating the fee, and the registration number, model, and vehicle name are the data necessary for identifying the vehicle during accident handling. Therefore, the calculation of the insurance premium by the underwriting approval document creating means may be performed for each application vehicle type. In addition to the vehicle number, leasing company, lease period, discount information on insurance premiums (A
The presence or absence of equipment such as BS and airbag) is included. Vehicle insurance can be included in the category of car insurance,
In that case, the vehicle data includes the initial registration date, and based on this, the insurance premium is calculated including the vehicle insurance premium.
The underwriting approval document includes not only the one printed by the printer but also the one in the state of a virtual document as digital data. In addition, the underwriting authorization is the insurance company's
A document used for internal procedures to approve the acceptance of insurance of a certain content, which contains at least the contract signature and the amount of insurance premiums, regardless of whether the name is an underwriting authorization. Make it not exist.

The fleet contract office processing system according to the present invention can be composed of one personal computer and its peripheral devices in the simplest manner. That is, the contract data input means and the vehicle data input means are an input device such as a keyboard, a mouse, an OCR, an auxiliary storage device such as an FD drive or a CD-ROM drive, and a communication interface, and an insurance card calculation means and an underwriting approval document are created. The means is a personal computer on which data and programs for calculating each insurance premium based on the contract data and vehicle data and printing out an underwriting approval form in which the total insurance premium is embedded in the form from a printer connected to the main body are installed. Can be configured as a body. Further, each data input means is a client such as a personal computer, PDA or mobile phone, and the underwriting approval document preparation means is a server, and both are LAN.
It is also possible to connect and configure with a network such as or the Internet.

The calculation of the insurance premium by the insurance premium calculation means is performed based on the contract data and the vehicle data, and typically, by determining which one of the predetermined standard risk categories each vehicle belongs to, Calculate insurance premiums. That is, it is determined to which standard risk category the vehicle of a specific purpose vehicle type owned or used by the policyholder specified by the contract data belongs, and the amount of the insurance premium corresponding to that standard risk category is the basic insurance premium. Becomes In addition to this, as in the case of a normal fleet contract, a premium is added based on the insurance performance of the policyholder's past one year or past multiple years (for example, past two years) for each type of vehicle The insurance premium may be determined based on the past insurance performance of the policyholder without referring to the standard risk classification. Whether the policyholder is new or ongoing,
Even if it is new, the calculation method can be appropriately selected depending on whether or not there is a fleet contract with another insurance company.

Further, in the fleet contract office processing system according to the present invention, contract content data including at least vehicle data, insurance premiums, and policy numbers are mutually exchanged for a fleet contract established by approval by the insurance company after the underwriting approval document is created. Contract content data storage means stored in association with
You may further include the payment amount calculation means which calculates the payment amount of an insurance policyholder based on the content of the contract content data stored in the contract content data storage means at a predetermined time limit for each fleet contract. As a result, at the predetermined time limit, the payment amount calculation means automatically calculates the payment amount of the policyholder based on the content of the contract content data stored in the contract content data storage means. Therefore, the insurance settlement procedure is simplified. The contract data storage means is, for example, a database directly or via a network connected to a computer having an underwriting approval document creating means, and the payment amount calculating means is, for example, the same computer as the insurance premium calculating means and the underwriting approval creating device. Composed within.

Furthermore, in the fleet contract office processing system, vehicle data that has been added / deleted / changed in accordance with a change such as replacement, increase / decrease, etc. of each vehicle is already transferred as the transfer vehicle data for the already established fleet contract. The insurance vehicle calculation means further includes input vehicle data input means, and the insurance premium calculation means transfers the vehicle transfer data input by the vehicle transfer data input means, and the contract content read from the vehicle transfer data and contract content data storage means. Based on the data
Calculate a new insurance premium for the transferred vehicle, create an underwriting approval document that describes the new insurance premium as the means for creating an underwriting approval, and approve the insurance underwriting of the transfer underwriting approval form as the contract content data storage means. The transferred vehicle data can be stored later as new contract content data, and the payment amount calculating means can be configured to calculate the payment amount at a predetermined time period regardless of the transfer of each vehicle. With such a configuration, it is possible to simplify the clerical processing procedure when the automobile changes. That is, when the automobile is transferred, the person who performs the paperwork process only needs to input the transferred vehicle data in the initial stage. The input transfer vehicle data is transferred to the insurance premium calculation means, the insurance premium calculation means calculates the insurance premium based on the transfer vehicle data and the contract content data, and the underwriting approval document creating means creates the transfer underwriting approval document. And proceed with the contract procedure. At this time, it may be possible to consider that underwriting approval has been made and contracts have been established as long as the transfer vehicle data is properly input by selection. If approved, the transferred vehicle data is stored as new contract content data in the contract content data storage means, and the payment amount calculation means calculates the payment amount in a predetermined time period regardless of the transfer of each vehicle. For example, if there is an increase in the number of cars, the payment amount will be calculated on a prorated basis from the date the contract is concluded to the time limit, and if there is a decrease in the number of cars, the insurance premium from the date the contract is established to the time limit will be included in the total amount paid. Not done. As a result, the settlement procedure can be performed easily and easily. The transfer vehicle data input means may be the same as the vehicle data input means, for example.

Further, the present invention includes at least one insurance category of personal injury, objective, personal injury, and passenger injury between an insurance company and an insurance company who owns or uses a plurality of vehicles exceeding a predetermined number. A business processing system for fleet contracts for automobile insurance, which contains at least the name or name of the policyholder and is necessary for calculating the insurance premium for each automobile, and at least the vehicle type, registration number, and vehicle name of the automobile. In addition to the model, the vehicle data necessary for the calculation of insurance premiums and accident handling is input, and the insurance premiums are calculated based on the contract data and vehicle data, and the total insurance premiums summed up are also underwritten. Configured a fleet contract paperwork system to create an authorization.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of a fleet contract office processing system according to the present invention will be described below. The following description is for a better understanding of the present invention and is not for the purpose of limiting the scope of the present invention.

FIG. 1 is a block diagram showing the main configuration of one embodiment of a fleet contract office processing system according to the present invention.

In FIG. 1, an office processing system 10 includes at least one of personal injury, objective, personal injury, and passenger injuries between an insurance company and an insurance company who owns or uses a plurality of vehicles exceeding a predetermined number. A business processing system for fleet contracts of automobile insurance including insurance items, which is operated by an insurance company and contributes to calculation of an insurance premium by an insurance premium calculation unit 11 that calculates an insurance premium based on contract data and vehicle data. In order to create an underwriting approval certificate using the insurance premium calculated by the insurance premium calculation unit 11, an underwriting approval document creation unit 13, contract data and vehicle data Stored in the contract content database 14 that stores data representing the content of past or current fleet contracts including Consisting transmitting unit 16 for transmitting the payment calculation section 15 and the billing statement calculates the amount paid by the policyholder on the basis of the data. As is apparent from the figure, the business processing system 10 is one server connected to the Internet 20, and therefore the Internet 20
It is possible to send and receive data to and from the client through the, but it goes without saying that data can also be input from an input device (not shown) such as a keyboard or a mouse connected to the office processing system 10. . In this embodiment, the insurance policyholder client 30 (and the insurance agency client 40) that can be connected to the office processing system 10 via the Internet 20 so as to be able to exchange data will be described as a data input means that is a part of the system. .

From the insurance contractor client 30, contract data necessary for calculating the insurance premium for each automobile and vehicle data for each automobile required for calculating the insurance premium and accident handling are input. Specifically, the person who performs the procedure activates the browser of the policyholder client 30 to access the office processing system 10 through the Internet 20,
A fleet contract automobile insurance application Web page screen capable of inputting contract data and vehicle data is displayed on the display of the policyholder client 30, and the keyboard and mouse are operated to input contract data and vehicle data.
The contract data is mainly data relating to policyholders, which is necessary for calculating insurance premiums. At least the person who has applied for insurance must be identified. Therefore, it is sufficient if the insurance applicant can be identified by the user ID, password, cookie, etc. input from the insurance policyholder client 30. However, if it is a new contract, in addition to the address, name or name of the policyholder, enter the company profile (type of company, listing category, number of employees, capital, etc.), insurance transaction status, stockholding status, email address, etc. Is required. FIG. 2 shows a vehicle data input screen. Vehicle data is data related to automobiles required for insurance premium calculation and accident handling,
Here, the registration number, intended vehicle type (private normal passenger car, private small passenger car, private light four-wheeled freight car, private small freight car, moped, etc.), model, car name, chassis number, etc. When vehicle insurance is included in the insurance category of vehicle insurance Vehicle data includes the first registration date. These data are input by using the keyboard to input characters or pull-down.

The insurance policyholder client 30 also inputs at least one of the following types of insurance: personal, objective, personal, passenger injury, desired rider, settlement method (division / collection), insurance period, etc. . Also, enter the past insurance results of fleet contracts, if any. When the input to the required items is completed and the send button on the screen is pressed, the contract data and the vehicle data are sent to the insurance premium calculation unit 11. At this time, the insurance premium calculation unit 11 confirms whether all necessary data have been input. In addition, the data is collated with the Ministry of Land, Infrastructure, Transport and Tourism database 50 (which has not been operated yet) and other insurance company database 60 (which is open to the public), which accumulates automobile registration data as needed. You can also

The insurance premium calculation unit 11 calculates an insurance premium based on the contract data and the vehicle data. Calculation of insurance premium
This is performed by determining which of the predetermined standard risk categories each vehicle belongs to. The insurance premium calculation unit 11 searches the standard risk classification database 12 with the policyholder and the type of vehicle used as search conditions, and reads the insurance premium corresponding to the standard risk classification. This is the case of a new policyholder, and in the case of a renewal contract, the insurance results of the past year or past multiple years (for example, past two years) for each type of vehicle used by the policyholder The insurance premium is read out from the database 14 and discounted on the basis of this. Alternatively, the insurance premium is determined only from the policyholder's past insurance performance without referring to the standard risk category. In this way, the calculation method can be appropriately selected depending on whether the insurance policyholder is new or continuing, or whether there is a fleet contract with another insurance company even if it is new. With regard to vehicle insurance, the price of the vehicle is retrieved from the initial registration date, vehicle name and model to determine the insurance amount and the insurance premium is calculated.

The calculation of the insurance premium is performed while the policyholder client 30 and the office processing system 10 are connected, and the result is displayed on the display of the policyholder client 30. In some cases, the insurance premium calculation unit 11 may determine that the insurance contract cannot be made, and in that case, the fact is displayed on the display of the policyholder client 30. The person who performs the procedure changes the conditions and applies again, or cancels the procedure by the office processing system 10.

When the person performing the procedure is satisfied with the calculation result of the insurance premium, by pressing the confirmation button on the screen, the insurance premium calculated by the insurance premium calculation unit 11 and a part of the contract data and the vehicle data are displayed. The insurance premium, the contract data, and the vehicle data are stored in the contract content database 14 while being sent to the underwriting approval document creating unit 13. Underwriting Approval Form 13
Creates and outputs an underwriting approval document that describes the total insurance premiums. The output destination is, for example, a printer (not shown) connected directly to the office processing system 10 or via a network, and the underwriting approval document is printed out by the printer and processed by a person who approves the underwriting. Alternatively, the underwriting approval form is sent in the form of data to the person who approves the underwriting, and this sending method is appropriately selected. After this, through various stages, a fleet contract between the policyholder and the insurance company is established. Figure 3 shows the underwriting approval form. As shown in the figure, the contractor name,
The insurance period, handling agency, securities number, total number of insured and total insurance premiums are described, and it is a document used for the procedure for approving the insurance underwriting within the insurance company. Further down, contract conditions and applicable insurance premiums are listed in table format for each type of vehicle used.

As described above, the policyholder client 30
Those who wish to operate the fleet contract (or the insurance agent client 40) need only enter the necessary contract data and vehicle data through the client at the application stage, and for each car as before. There is no need to fill in the insurance application form, so the administrative burden is greatly reduced.

The contract content database 14 stores contract content data including at least vehicle data, insurance premiums, and security numbers in association with each other for a fleet contract established by approval by an insurance company after the creation of the underwriting approval document. The payment amount calculation unit 15 calculates the payment amount of the policyholder based on the content of the contract content data accumulated in the contract content database 14 at a predetermined time limit for each fleet contract. That is, when the predetermined time limit is reached, the payment amount calculation unit 15 automatically calculates the payment amount of the policyholder based on the content of the contract content data accumulated in the contract content database 14. Based on the calculated payment amount, the transmission unit 16 creates and outputs a bill. Transmitter 1
6 is sent to the policyholder by, for example, attaching an invoice to an e-mail and transmitting it to the policyholder client 30 or by mailing the invoice printed out from the printer. This can also simplify the settlement procedure.

With respect to a fleet contract that has already been established, there may be changes such as replacement, increase or decrease of vehicles.
In this case, the vehicle data added / deleted / changed from the insurance policyholder client 30 is input as the transferred vehicle data. This input is performed on the screen of FIG. That is, a person who operates the insurance policyholder client 30 can read the vehicle data from the contract content database 14 and display it by designating the security number of the fleet contract. In the case of transfer, select "increase" or "decrease" in the category field, and in case of increase, enter new vehicle data. In the case of reduction of the number of vehicles, it is sufficient to select it, and this becomes the transfer vehicle data.

The transfer vehicle data is input to the insurance premium calculation unit 11, and based on the input transfer vehicle data and the contract content data for the same fleet contract read from the contract content database 14, a new transfer vehicle is newly created. , The underwriting approval document creation unit 13 creates a transfer underwriting approval document in which the new insurance premium is written, and the contract content database 14 updates the transfer vehicle data after the transfer underwriting approval document is approved by the insurance company. The contract amount data is stored as contract content data, and the payment amount calculation unit 15 calculates the payment amount in a predetermined time period regardless of the change of each automobile. As a result, it is possible to simplify the clerical processing procedure when the automobile is transferred. That is, when the automobile is transferred, the person who operates the insurance policyholder client 30 to perform paperwork is
In the initial stage, it is only necessary to input the transferred vehicle data. The input transfer vehicle data is transferred to the insurance premium calculation unit 11, the insurance premium calculation unit 11 calculates the insurance premium based on the transfer vehicle data and the contract content data, and the underwriting approval preparation unit 13 transfers the transfer underwriting approval document. Create a contract and proceed with the contract procedure.
If approved, the transferred vehicle data is stored as new contract content data in the contract content data storage base 14, and the payment amount calculation unit 15 calculates the payment amount at a predetermined time limit regardless of the transfer of each vehicle. To do. For example, if there is an increase in the number of cars, the payment amount will be calculated on a prorated basis from the date the contract is concluded to the time limit, and if there is a decrease in the number of cars, the insurance premium from the date the contract is established to the time limit will be included in the total amount paid. Not done. As a result, the settlement procedure can be performed easily and easily.

Although the embodiments of the present invention have been described above, it is needless to say that the present invention is not limited to the above-mentioned embodiments and can be appropriately modified within the scope of the gist of the present invention.

[0027]

As described above, according to the fleet contract office work processing system of the present invention, it is possible to significantly reduce the burden of office work procedures when a fleet contract is newly or continuously contracted or when an automobile is transferred. .

[Brief description of drawings]

FIG. 1 is a block diagram showing a main configuration of an embodiment of a fleet contract office processing system according to the present invention.

FIG. 2 is a diagram showing a vehicle data input screen in the embodiment of FIG.

FIG. 3 is a diagram showing an underwriting approval document in the embodiment of FIG.

[Explanation of symbols]

10 Office processing system 11 Insurance fee calculation department 12 Standard Risk Classification Database 13 Underwriting approval form 14 Contract content database 15 Payment amount calculation part 16 Transmitter 20 Internet 30 policyholder client 40 Insurance Agent Client 50 MLIT Database 60 insurance company database

Claims (7)

[Claims] 1. A car insurance including at least one of the following types of personal injury, objective, personal injury, and passenger injuries between an insurance company and an insurance company who owns or uses a plurality of vehicles exceeding a predetermined number. A fleet contract business processing system, comprising contract data input means for inputting contract data mainly relating to an insurance policyholder necessary for calculating the insurance premium for each vehicle, and at least the vehicle type, registration number, and vehicle of the vehicle. Vehicle data input means for inputting vehicle data, including name and model, necessary for calculation of the insurance premium and accident handling; and the contract data and the vehicle data input means input by the contract data input means. An insurance premium calculation means for transferring the vehicle data, calculating the insurance premium based on the contract data and the vehicle data, Paperwork system fleet contracts, characterized in that it comprises a underwriting approval drafting unit whose serial insurance premium calculation means and the insurance fee calculated by creates underwriting approval stating the summed total premium. 2. The fleet contract office processing system according to claim 1, wherein the calculation of the insurance premium is made for each of the usage vehicle types. 3. The fleet contract office work according to claim 1, wherein the automobile insurance category includes vehicle insurance, the vehicle data includes a first registration date, and the insurance fee includes a vehicle insurance fee. Processing system. 4. The insurance premium calculation means determines, based on the contract data and the vehicle data, which of the predetermined standard risk categories each of the automobiles belongs to, thereby determining the insurance premium. The fleet contract office processing system according to any one of claims 1 to 3, which is calculated. 5. The fleet contract established by the approval of the insurance company after the underwriting approval is created,
Contract content data storage means that stores at least the vehicle data, the contract content data including the insurance premium and the policy number in association with each other, and the contract content data storage means at a predetermined time limit for each fleet contract. The fleet contract business processing system according to any one of claims 1 to 4, further comprising: a payment amount calculation means for calculating a payment amount of the insurance policyholder based on the content of the contract content data. 6. The transfer vehicle data input in which the vehicle data added / deleted / changed in response to a change such as replacement / increase / removal of each vehicle is input as transfer vehicle data with respect to the already established fleet contract. The insurance premium calculation means further comprises means, wherein the transferred vehicle data input by the transferred vehicle data input means is transferred, and the contract content data read from the transferred vehicle data and the contract content data storage means. Based on, calculate a new insurance premium for the transferred vehicle, the underwriting approval form creating means creates a transfer underwriting approval form describing the new insurance premium, the contract content data storage means, After the transfer acceptance approval is approved by the insurance company, the transfer vehicle data is accumulated as new contract content data, and the payment amount calculating means is Wherein regardless of changes in the car, office processing system fleet contracts according to claim 5 for calculating the payment amount to the predetermined time period. 7. An automobile insurance system that includes at least one of the following types of personal injury, objectives, personal injury, and passenger injuries between an insurance company and an insurance company who owns or uses a plurality of automobiles in excess of a predetermined number. A fleet contract office processing system, including contract data necessary for calculating the insurance premium for each vehicle, including at least the name or name of the policyholder,
At least the application vehicle type, registration number, vehicle name, and model of the automobile are input, and vehicle data necessary for calculating the insurance premium and accident processing are input, and calculating the insurance premium based on the contract data and the vehicle data. At the same time, a fleet contract business processing system is characterized in that an underwriting approval document is created in which the total insurance premiums summed up are written.