JP2004355313A - Insurance/financial business processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance business processing system valid for every insurance business procedure by easily coping with the various data formats of insurance business procedure information. <P>SOLUTION: This system is provided with an agency catalog information in which the format of agency specifications is stored and insurance catalog information in which the format of the insurance company specifications is stored, and when data communication is performed between both of them, the conversion of those formats is executed based on the catalog information. When an insurance company system is not operated, transmission data are temporarily stored, and when the system is operated, the transmission data are re-transmitted. Furthermore, when a request from the agency system is for the use of the program resources of the insurance company, the presence position of the program of the insurance company and an interface are retrieved, and returned to the agency system. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention intervenes between an insurance / financial agent system serving as a point of contact for insurance / financial affairs and an insurance / financial institution system that wants to sell insurance / financial products, and It relates to an insurance and financial paperwork system that provides useful functions to both.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, as techniques in a system for performing insurance and financial paperwork, for example, those described in Patent Literature 1 and Patent Literature 2 are known.
[0003]
The technique described in Patent Document 1 relates to data format conversion between an agent and a financial service provider (such as an insurance company). For example, the data format is converted when data related to the preparation, arrangement, and provision of financial services of an insurance company is communicated with an agent.
[0004]
Further, the technology described in Patent Literature 2 allows a user to compare and examine insurance products of a plurality of companies by inputting a single trial calculation condition. First, the service provider sends a trial calculation condition input screen in response to a user connection request. The user inputs the trial calculation condition on the trial calculation condition input screen and sends the condition data to the service provider. The service provider converts the condition data into a format compatible with the standard interface, and sends it to the computer of each trial calculation provider via the frame of the user's result display screen. Each trial calculation result calculated by the trial calculation engine of each trial calculation company is returned to each frame of the user result display screen, and the trial calculation result of each company is displayed.
[0005]
[Patent Document 1] Japanese Patent Application Laid-Open No. 2002-092337
[Patent Document 2] Japanese Patent Application Laid-Open No. 2001-243297
[Problems to be solved by the invention]
However, the financial portal described in Patent Literature 1 targets only one-to-one format conversion between an insurance company and a sharing agent, so one insurance administrative procedure information sent from one sharing agent Data cannot be sent to multiple insurance companies for processing. Also, since it can only handle conversion between predetermined formats, it is necessary to prepare a conversion program for each data format in order to correspond to each unique data format possessed by a plurality of insurance companies, for example. There's a problem. Further, there is a problem that it is impossible to cope when the insurance company system is not operating.
[0008]
In addition, the technique described in Patent Literature 2 is limited to trial calculation of insurance products, and thus has a problem that it cannot be applied to insurance business procedures in general.
[0009]
On the other hand, there are the following problems in mechanization of agents. First, the insurance company considers that the agency has customer data. However, in reality, the contract data is different for each insurance company and each item, and it is difficult to associate (name identification) as customer data. In addition, the agency system provided by insurance companies mainly has functions for small and medium-sized agencies, and there is a problem in responding to the scale of corporate agents and dealing with group insurance, corporate insurance, trust insurance, and group insurance. Was. Further, there is a problem that it is difficult to link the agency system provided by the insurance company with the existing agency system. For example, there is a problem that the same contents are repeatedly input to another system, or that the processing is not completed until data provided by the insurance company comes. There is also a problem that the data provided by the agency of the insurance company needs to be dealt with every time the format is changed. That is, when a format change of an original part occurs, such as a product revision, the system on the agency side also needs to be corrected.
[0010]
SUMMARY OF THE INVENTION It is an object of the present invention to provide an insurance / financial business processing system which can easily deal with various data formats of insurance / financial business procedure information and is useful for all insurance / financial business procedures. It is a further object of the present invention to solve the above-mentioned problem in mechanization of an agency.
[0011]
[Means for Solving the Problems]
In order to achieve the above object, the invention according to claim 1 is interposed between an agency system and an insurance and financial institution system such as an insurance institution and a financial institution, and mediates data communication between these two systems. An insurance / financial business processing system, comprising: storage means for storing agency catalog information indicating a format of an agency specification used by the agency system; and an insurance / financial system used by the insurance / financial institution system. A storage unit storing insurance / financial institution catalog information indicating a format of a financial institution specification, and office data in a format of an agency specification transmitted from the agency system are stored in the agency catalog information and insurance / financial institution catalog information. Means for converting the data into office data in the format of insurance / financial institution specifications and transmitting the office data to the insurance / financial institution system based on Based on the agency catalog information and insurance / financial institution catalog information, the office data in the format of the insurance / financial institution transmitted from the insurance / financial institution system is converted into the office data in the agency-specific format, and Means for transmitting to the agency system.
[0012]
According to a second aspect of the present invention, in the insurance and financial paperwork system according to the first aspect, operating information identification means for identifying whether the insurance and financial institution system is operating, and when the operating system is not operating, The on-hold information storage means for temporarily storing office data to be transmitted to the insurance / financial institution system and the operating information identifying means have identified that the insurance / financial institution system which was not in operation has become active. At this time, there is provided a resending means for taking out the office data stored in the holding information storage means and transmitting it to the insurance / financial institution system.
[0013]
According to a third aspect of the present invention, in the insurance / financial business processing system according to the first or second aspect, means for registering a location of a program provided by the insurance / financial institution system and its interface, and the agency system In response to a request from the agent, means for retrieving the location of a program used to process the request and its interface and returning it to the agency system are provided.
[0014]
According to a fourth aspect of the present invention, in the insurance and financial business processing system according to any one of the first to third aspects, destination information included in business data transmitted from the agency system is identified, and the proxy Means for converting the business data into a plurality of business data in the insurance / financial institution specification format corresponding to each destination based on the store catalog information and the insurance / financial institution catalog information catalog information; Means for transmitting data for each destination.
[0015]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be specifically described with reference to the drawings.
[0016]
FIG. 1 is a block diagram showing a configuration of an insurance business processing site according to an embodiment of the present invention and each system connected to the site. The Internet 140 is connected to the insurance business processing site 100, the system 110 of the provider of the agency system, the system 120 for the agency, and the insurance company systems 131, 132, and 133. The insurance business processing site 100 has a data conversion function 101, a directory service 102, an aggregation function 103, and an operation information identification / retransmission function 104.
[0017]
The insurance business processing site 100 and each of the systems 110, 120, 131 to 133 are devices implemented by computers on which predetermined programs operate. Here, one agent system (hereinafter, simply referred to as an agent) 120, one agent system provider system (hereinafter, simply referred to as an agent system provider) 110, an insurance company Although three systems (hereinafter, simply referred to as insurance companies) 131 to 133 are shown, the number of each of these systems is arbitrary.
[0018]
FIG. 2 shows the contents of the data conversion function 101 of the insurance business processing site 100 of FIG. The data conversion function 101 includes a data conversion engine 201, insurance company catalog information 202, and agency catalog information 203. The insurance company catalog information 202 is information indicating the format of various electronic data used by the insurance companies 131 to 133. The agency catalog information 203 is information indicating a format of various electronic data used by the agency 120. The agency specification data 211 and 214 are various data expressed in a format of the agency specification (for example, an application form for a new insurance contract, a notice of a change in address of a contractor, a notice of a change in insurance content, a notice of cancellation, etc.). is there. The insurance company specification data 212 and 213 are various data expressed in an insurance company specification format.
[0019]
The data conversion engine 201 converts the inputted agency specification data 211 into insurance company specification data 212 using the agency catalog information 203 and the insurance company catalog information 202, and outputs the data. Similarly, the data conversion engine 201 converts the input insurance company specification data 213 into agent specification data 214 using the insurance company catalog information 202 and the agent catalog information 203, and outputs the converted data. Thus, even when the format of the data used by the agency and the format of the data used by the insurance company are different, the two can be exchanged.
[0020]
FIG. 3 shows an example of data exchange at the time of an insurance contract using the data conversion function 101 of FIG. The agent accepts the application for the insurance contract from the customer 301 by the Web recruitment 311 or the conventional paper application. The agency application 312 is an application operating at the agency 120 in FIG. 1 or an application provided by an ASP (application service provider) function provided by the agency system provider 110. The agency application 312 operates on the agency side, and data handled is agency-specific data. Therefore, the data at the time of the insurance contract of the customer 301 is transmitted to the insurance business processing site 100 as the accounting data 313 of the agency specification.
[0021]
In the insurance contract processing 315, the insurance business processing site 100 checks (1) destination information and (2) performs data format conversion based on catalog information. The check of the partner information in (1) is a process of determining which insurance company is the insurance product of the insurance contract and using the insurance company 317 as a data transmission destination. The data format conversion of (2) is performed by the data conversion function 101 described with reference to FIG. 2, and here, the data is converted into the format used by the insurance company 317 of the partner. The converted data is transmitted as insurance company specification accounting data 316 from the agency to the counterpart insurance company 317.
[0022]
The insurance company 317 receives the accounting data 316 and performs various processes for an insurance contract, and then outputs insurance company specification contract data 318 from the insurance company. The contract data 318 is transmitted to the insurance business processing site 100, and is converted into a format of agency specification by the insurance contract processing 315. The converted agency specification contract data 319 is transmitted to the agency application 312, where it is stored as a contract. Thereby, it is determined as the customer data on the agency side (320).
[0023]
According to the processing at the time of the insurance contract as described above, if the format information used by the insurance company and the agency is stored in the catalog information 202 and 203, data communication between the agency and the insurance company is performed. Can exchange various information. For example, when the data format of the insurance company is changed, it is only necessary to store the format information in the insurance company catalog information 202, and it is not necessary for the agency to change the system according to the format change. Although the process at the time of contract is described as an example in FIG. 3, the same applies to other various insurance operations.
[0024]
FIG. 4 shows the functional contents of the directory service 102 of the insurance business processing site 100 of FIG. The directory service 102 has a directory search engine 402, a program directory 403, and a directory registration engine 404. In response to a request from the agency, the directory search engine 402 refers to the program directory 403 to search for resources for processing the request, and returns a search result to the request issuing source. The program directory 403 stores position information and interface information of various resources. The directory registration engine 404 performs a process of registering position information and interface information of various resources in the program directory 403.
[0025]
The insurance companies 131 to 133 use the directory registration engine 404 to register the position information of the program components 411, 421, 431 and the program component interface information 412, 422, 432 in the program directory 403 in advance. The program components 411, 421, and 431 are program elements provided by the insurance companies 131, 132, and 133, respectively, and the program component interface information 412, 422, and 432 are information indicating interfaces of the program components 411, 421, and 431. is there.
[0026]
When there is a predetermined request from the agency 120, the agency program 401 of the agency system provider 110, which is an ASP, is activated to process the request. The agency program 401 uses the directory search engine 402 to search the program directory 403 for a program necessary to process the request. As a result, the position information of the program components 411, 421, and 431 to be started in response to the request and the program component interface information 412, 422, 432 are returned. The agency program 401 specifies an operation according to the interface of each of the program components 411, 421, and 431, and obtains a result. Although FIG. 4 illustrates an example in which the directory service 102 is used from the agency 120 through the agency program 401 of the agency system provider 110 that is an ASP, the directory service 102 is used directly from the agency 120. You may do so.
[0027]
FIG. 5 shows a specific example in which a trial calculation request is issued from an agent using the directory service 102 of FIG. 4 to obtain trial calculation results from a plurality of insurance companies. In response to the Web recruitment 511 (which may be a paper application), the agency receives a trial calculation request from the customer 501 (a request for giving a condition regarding insurance products and requesting a trial calculation as to how much the price will be based on the condition). Accept the application. The agency application 512 is an application operating at the agency 120 in FIG. 1 or an application provided by the ASP function provided by the agency system provider 110. The agency application 512 uses the directory service 102 (517) described in FIG. 4 in response to the provided trial calculation request to store the location information of the insurance company program component used for performing the trial calculation and its interface. Using the acquired interface, the program component (trial calculation Web service) of each insurance company 514 to 516 is activated, and the result calculated by each insurance company 514 to 516 is obtained. The obtained trial calculation result is returned to the customer via, for example, Web 511. As a result, the trial calculation results of a plurality of insurance companies can be obtained by issuing only one trial calculation request. In FIG. 5, the trial calculation process has been described as an example, but other various processes may be similarly performed.
[0028]
FIG. 6 shows the functional contents of the aggregation function 103 of the insurance business processing site 100 of FIG. The aggregation function 103 has a destination identification process 603 and a destination-specific transmission process 609. The destination identification process 603 is a process of identifying the destination of the received insurance business data and generating business data for each destination. The destination-specific transmission process 609 is a process for transmitting office data for each destination.
[0029]
When a predetermined request is received from the agency 120, the agency program 601 of the agency system provider 110, which is an ASP, is activated to process the request. The agency program 601 transmits predetermined office data 602 including destination information to the aggregation function 103 in response to the request. The destination identification processing 603 of the aggregation function 103 identifies the destination information included in the business data 602, separates the destination information, and generates and outputs the business data body 604 and the destination information 605 of the business data. The data conversion function 101 refers to the destination information 605 to perform data conversion of the business data body 604 for each destination, and outputs business data 606, 607, and 608 for the number of destinations. FIG. 6 shows a case where there are three destinations. The destination-specific transmission processing 609 transmits the business data 606, 607, and 608 by destination. Here, office data 606, 607, and 608 are transmitted to insurance companies 131, 132, and 133, respectively.
[0030]
In FIG. 6, only the case where data is transmitted from the agency to the insurance company is shown. However, when there is return data from each insurance company, the return data is respectively converted using the aggregation function and the data conversion function. The data is converted, collected into one office data to be transmitted to the agency, and transmitted to the agency.
[0031]
FIG. 7 shows a specific example in which the agency performs a customer transfer process (for example, changing an address) using the aggregation function 103 of FIG. The agency accepts a transfer request from the customer 701 by Web recruitment 711 or paper application. The agency application 712 is an application that operates at the agency 120 in FIG. 1 or an application provided by the ASP function provided by the agency system provider 110. The agency application 712 transmits agency-specific transfer data 713 from the agency to the insurance business processing site 100 in response to the given transfer application. As shown at 715, the insurance business processing site 100 identifies the destination information included in the business data in the destination identification processing 603 of the aggregation function 103 described with reference to FIG. And (2) perform data format conversion based on the catalog information 202 and 203 for each destination for office data and output office data corresponding to the number of destinations. The transfer data 716, 717, and 718 of insurance company specifications are transmitted to each insurance company.
[0032]
According to the processing using the aggregation function as described above, for example, when a customer's address is changed, the agency only needs to create transfer data of the address change in a format of the agency specification and send it to the insurance business processing site 100. Good. The transfer data includes destination information (specifically, the destination is all the insurance companies to which the customer has contracted), and the insurance business processing site stores the transfer data of the address change for each destination. Convert to each insurance company specification and send. Thereby, the process of changing the address of the customer is executed in each insurance company.
[0033]
FIG. 8 shows the contents of the operation information identification / retransmission function 104 of the insurance business processing site 100 of FIG. Here, it is assumed that the processing in FIG. 4 is performed, and the same parts as those in FIG. 4 are given the same numbers. As described above, various requests from the agency 120 are sent to and processed by the insurance business processing site 100 by the agent program 801 (in some cases, the agency 120 sends the request directly to the insurance business processing site 100). At this time, not all of the insurance companies 131, 132, and 133 are operating. Inactive insurer programs are not available. Therefore, when the insurance company is not operating, the insurance business processing site 100 temporarily stores the request from the agent side in the hold information 811 and receives the operation information when the insurance company starts operating. The operation information identification function 812 confirms that the operation is in progress, and the retransmission function 813 transmits the request held in the hold information 811 to the insurance company that has started operation. This makes it possible to guarantee the processing for the request even for an insurance company that is not operating.
[0034]
The operation information may be collected by the operation information identification function 812 accessing each insurance company at predetermined time intervals, or the insurance company that has been turned on and started operation may have the operation information identification function May be transmitted to notify the user.
[0035]
Further, in the present embodiment, a description has been given of an example of a business process regarding insurance products provided by an insurance company. However, the present invention may be applied to financial products provided by a financial institution.
[0036]
【The invention's effect】
As described above, according to the present invention, there is provided the agency catalog information storing the agency specification format and the insurance / financial institution catalog information storing the insurance company specification format. Since the format is converted based on the catalog information, it is possible to easily cope with various data formats of insurance / financial business procedure information, and to realize a useful system for all insurance / financial business procedures. Further, when the insurance / financial institution system is not operating, the transmission data can be temporarily held and retransmitted when the system operates. Furthermore, when the request from the agency system uses the program resources of the insurance and financial institution, the location and interface of the program of the insurance and financial institution are searched and returned to the agency system. Can be processed using the resources of
[0037]
Also, the agency can use a unified agency-specific format, which makes it easy to identify customer data, and there is a mechanism to use the program resources of insurance and financial institutions. It is easy to deal with insurance, corporate insurance, trust insurance, group insurance, and various other financial products. Problems such as inputting the same contents to different systems over and over and processing not being completed until data provided by insurance / financial institutions are solved are also solved. It is possible to easily deal with the format change of insurance and financial institutions only by changing the catalog information.
[Brief description of the drawings]
FIG. 1 is a block diagram showing the configuration of an insurance paperwork processing site according to an embodiment of the present invention and each system connected to the site. FIG. 2 is a diagram showing the functional contents of a data conversion function of the insurance paperwork processing site. 3] Diagram showing an example of data exchange at the time of insurance contract using the data conversion function. [Fig. 4] Diagram showing the function contents of the directory service. [Fig. FIG. 6 is a diagram showing a specific example of obtaining trial calculation results from a plurality of insurance companies by performing the operation. FIG. 6 is a diagram showing a function content of an aggregation function. FIG. 7 A specific example of performing a customer transfer process from an agent using an aggregation function. [Figure 8] Diagram showing functional contents of operation information identification / retransmission function [Description of reference numerals]
100 insurance business processing site, 101 data conversion function, 102 directory service, 103 aggregation function, 104 operation information identification and retransmission function, 110 agent system provider, 120 agent, 131 insurance company 132, insurance company, 133, insurance company, 140, Internet, 201, data conversion engine, 203, agency catalog information, 202, insurance company catalog information, 211, agency specification data, 212, insurance company specification data, 213 ... insurance company specification data, 214 ... agency specification data, 403 ... program directory, 402 ... directory search engine, 404 ... directory registration engine, 411 ... program component, 412 ... program component interface information, 421 ... program Program component interface information, 431 ... program component interface information, 432 ... program component interface information, 401 ... agency program, 603 ... destination identification, 609 ... destination-specific transmission, 604 ... office data, 605 ... office data destination Data, 606 office data, 621 office data, 607 office data, 622 office data, 608 office data, 623 office data, 601 program for agency.

Claims (4)

An insurance / financial business processing system interposed between an agency system and an insurance / financial institution system such as an insurance institution / financial institution and mediating data communication between these two systems,
Storage means for storing agency catalog information indicating a format of agency specifications used in the agency system,
Storage means for storing insurance and financial institution catalog information indicating the format of insurance and financial institution specifications used in the insurance and financial institution system,
Based on the agency catalog information and insurance / financial institution catalog information, the office data in the agency-specific format transmitted from the agency system is converted into office data in the insurance / financial institution format to convert the Means for transmitting to the financial institution system;
Based on the agency catalog information and insurance / financial institution catalog information, the office data in the format of the insurance / financial institution transmitted from the insurance / financial institution system is converted into office data in the format of the agent / institution. Means for transmitting to the agency system;
An insurance and financial paperwork system comprising: The insurance and financial paperwork system according to claim 1,
Operating information identifying means for identifying whether the insurance and financial institution system is operating,
A suspension information storage unit for temporarily storing office data to be transmitted to the insurance / financial institution system when it is not in operation;
When it is identified by the operation information identifying means that the insurance / financial institution system that was not in operation has been activated, the office data stored in the hold information storage means is taken out and the insurance / financial institution system is taken out. And a resending means for transmitting to the insurance / financial business processing system. The insurance and financial paperwork system according to claim 1 or 2,
Means for registering the location of the program provided by the insurance and financial institution system and its interface,
In response to a request from the agency system, there is provided a means for retrieving the location of a program used to process the request and an interface thereof and returning the interface to the agency system. Business processing system. In the insurance and financial business processing system according to any one of claims 1 to 3,
Based on the agency catalog information and the insurance / financial institution catalog information catalog information, identify the destination information included in the office data transmitted from the agency system. Means for converting into a plurality of business data in a format specified by a financial institution;
Means for transmitting the converted office data for each destination.

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