JP2005322123A - Insurance contract system and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve customer's convenience by shortenining a period of time needed from insurance application to an insurance contract. <P>SOLUTION: An insurance contract managing device 3 comprises: an information storing means for receiving application basic information and risk information and storing the information in a storing means; an insurance fee calculating means for calculating an insurance fee predetermined in accordance with the risk information and transmitting the calculated insurance fee to a paying device 4; and a contract concluding means for concluding an insurance contract and creating insurance policy information being a policy for the insurance contract on the basis of the application basic information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to technology for supporting insurance contracts.

  Patent Document 1 discloses an insurance system that accepts an application for insurance through a network and performs an examination for insurance participation and an insurance contract based on a customer information database in which information necessary for examination is stored in advance. Has been.

JP 2003-141365 A

  In general, a large proportion of time is required from the application for insurance to the conclusion of the insurance to determine whether or not to accept the insurance. Further, in the case of insurance products that subdivide risks according to the health condition of customers and the occurrence of car accidents and set appropriate insurance premiums, the time required for examination tends to be longer. However, in Patent Document 1, a series of processes from receiving an insurance contract application to insurance screening and insurance contract is performed. For this reason, even if information necessary for examination is acquired in advance, it is difficult to promptly purchase insurance products that require some time for examination itself.

  The present invention has been made in view of the above circumstances, and an object of the present invention is to further shorten the time from application for insurance to contract and improve customer convenience.

  In order to solve the above-described problem, in the present invention, the risk information management apparatus performs insurance screening in advance, thereby concluding the insurance contract in a short time after receiving the insurance application.

  For example, it includes a risk information management device that performs examination for taking out insurance, an insurance contract management device that supports insurance contracts, and a payment device that settles insurance premiums. The risk information management device accepts risk evaluation information necessary for insurance examination before applying for an insurance contract, and evaluates the risk indicating the possibility of paying insurance money based on the risk evaluation information. An examination means for examining whether or not insurance can be enrolled, a risk evaluation result performed by the examination means and a risk information storage means for storing risk information including the examination result in a first storage means, and a first storage means Transmitting means for transmitting the risk information to the insurance contract management apparatus. The insurance contract management apparatus receives basic application information necessary for applying for an insurance contract and risk information, stores information in the second storage means, and the examination result of the risk information indicates permission to join. In this case, a predetermined premium is identified according to the risk evaluation result, and payment identification information for identifying the payment method included in the basic application information and premium information including the identified premium are transmitted to the payment device. Insurance premium calculation means and insurance policy information creation means for creating insurance policy information that is a certificate of an insurance contract based on the basic application information. The payment apparatus includes a payment unit that receives the insurance premium information and subtracts the insurance premium from the payment identification information included in the insurance premium information.

  In the present invention, since the risk information management device conducts insurance screening in advance, the time from application for insurance to contract can be further shortened and the convenience of the customer can be improved.

  Hereinafter, embodiments of the present invention will be described.

FIG. 1 is a schematic diagram of an insurance contract system to which an embodiment of the present invention is applied. As shown in the drawing, the insurance contract system includes at least one insurance contract terminal device 1 ₁ to 1 _n , a risk information management device 2, an insurance contract management device 3, a payment device 4, and a cancellation refund processing device 5. Have. The insurance contract terminal devices 1 ₁ to 1 _n , the insurance contract management device 3 and the risk information management device 2 are connected by a network 8 such as the Internet. In addition, the insurance contract management device 2, the payment device 4, and the cancellation refund processing device 5 are connected by a network 9 such as a LAN. The insurance policy management device 2, the payment device 4, and the cancellation refund processing device 5 may be connected by a network 8 such as the Internet.

The insurance contract terminal devices 1 ₁ to 1 _n are devices for a customer to make an insurance examination request and apply for an insurance contract. For example, a computer device such as a personal computer, a mobile phone, a PDA, a server, or a car navigation system Is used.

  The risk information management device 2 evaluates the risk (the possibility that the insurance company pays the insurance money) when the customer joins the insurance before the customer applies for the insurance contract, and the customer can join the insurance. It is a device for examining whether or not. In the present embodiment, it is assumed that a third party organization other than the insurance company has the risk information management device 2 and performs risk assessment and examination for each insurance product sold by each insurance company. The risk information management device 2 is a computer device such as a personal computer or a server.

  The insurance contract management device 3 is a device for accepting an insurance contract application and concluding and managing the insurance contract. For example, a general-purpose computer device is used. It is assumed that each insurance company has at least one insurance contract management apparatus 3.

  The payment device 4 is a device for paying the insurance premium (pay by the customer) after the insurance contract is concluded. For example, a computer device that manages deposits and withdrawals of an account of a financial institution, or a computer device that manages credit card settlement of a credit card company can be considered. The surrender value processing device 5 is a device for paying back the surrender value when the insurance is canceled (paying back to the customer). For example, a computer device that manages deposits and withdrawals of accounts of financial institutions can be considered. The payment device 4 and the cancellation / refund processing device 5 may be a single device.

  In the insurance contract system of the present embodiment, the risk information management device 2, the payment device 4, and the surrender value processing device 5 are each one. However, there may be a plurality of these devices.

  Next, an outline of examination and contract processing of the insurance contract system in the present embodiment will be described.

  FIG. 2 is a diagram schematically showing an outline of examination and contract processing. First, the insurance contract terminal device 1 accepts an insurance examination request from a customer, and creates risk evaluation information described later (S11). Then, the insurance contract terminal device 1 transmits the risk evaluation information to the risk information management device 2 (S12). Next, the risk information management apparatus 2 performs risk evaluation and examination using the risk evaluation information (S13). Then, the risk information management device 2 creates risk information and stores it in the storage device (S14).

  Next, the insurance contract terminal device 1 accepts an insurance contract application instruction from the customer, creates application basic information to be described later (S15), and transmits the created application basic information to the insurance contract management device 3 (S16). . And the risk information management apparatus 2 receives the instruction | indication from the insurance contract terminal device 1, and transmits the risk information memorize | stored in the memory | storage device to the insurance contract management apparatus 3 (S17).

  Next, the insurance contract management device 3 calculates insurance premiums using the basic application information and risk information, and creates insurance premium payment information described later (S18). And the insurance contract management apparatus 3 transmits the created insurance premium payment information to the payment apparatus 4 (S19). Then, the payment device 4 performs insurance premium payment (settlement) processing using the received insurance premium payment information (S20). And the payment apparatus 4 transmits the payment end signal for notifying completion of payment processing to the insurance contract management apparatus 3 (S21).

Then, the insurance contract management device 3 creates insurance policy information to be described later using the basic application information (S22), and transmits the created insurance policy information to the insurance contract terminal device 1 (S23). Then, the insurance contract terminal device 1 stores the insurance policy information in the storage device (S24).
Next, functions of the insurance contract terminal device 1 will be described.
FIG. 3 shows an example of the functional configuration of the insurance contract terminal device 1. As illustrated, the insurance contract terminal device 1 includes a risk evaluation information creation unit 101, an application basic information creation unit 102, an information transmission permission signal creation unit 103, an insurance policy information storage unit 104, and an insurance policy information transmission. Unit 105, insurance policy information invalidation unit 106, input receiving unit 107, output unit 108, storage unit 109, and communication processing unit 110.

The risk evaluation information creation unit 101 uses the information input from the input reception unit 107 to create risk evaluation information described later. The application basic information creation unit 102 uses the information input from the input reception unit 107 to create application basic information to be described later. The information transmission permission signal creation unit 103 creates an information transmission permission signal for causing the insurance contract management device 3 to transmit risk information described later, and transmits the created information transmission permission signal to the risk information management device 2.
The policy information storage unit 104 records policy information described later in the storage unit 109. The insurance policy information transmission unit 105 transmits the insurance policy information stored in the storage unit 109 to the insurance contract management apparatus 3 when canceling the insurance. The policy information invalidation unit 106 invalidates the policy information stored in the storage unit 109 when canceling the insurance. The input receiving unit 107 receives input of information necessary for creating risk evaluation information and basic application information. The output unit 108 outputs various display screens to the output device. The storage unit 107 stores insurance policy information and the like. The communication unit 110 transmits / receives data to / from the risk information management device 2 and the insurance contract management device 3 via the network 8.

  Next, the function of the risk information management device 2 will be described.

  FIG. 4 shows a functional configuration of the risk information management device 2. As illustrated, the risk information management apparatus 2 includes a screening unit 201, a risk information storage unit 202, a risk information transmission unit 203, a storage unit 204, and a communication processing unit 205. The examination unit 201 performs risk evaluation and examination, and creates risk information that is the result information. The risk information storage unit 202 records risk information in the storage unit 204. The risk information transmission unit 203 extracts target risk information from the storage unit 204 and transmits the risk information to the insurance contract management apparatus 3. The storage unit 204 stores risk information and the like. The communication processing unit 205 transmits / receives data to / from the insurance contract terminal device 1 and the insurance contract management device 3 via the network 8.

  Next, functions of the insurance contract management apparatus 3 will be described.

  FIG. 5 shows an example of the functional configuration of the insurance contract management apparatus 3. As shown in the figure, the insurance contract management apparatus 3 includes an insurance premium calculation unit 301, an insurance policy creation unit 302, an information storage unit 303, a cancellation refund calculation unit 304, a cancellation termination notification unit 305, and an update condition monitor. Unit 306, risk information reading unit 307, risk information requesting unit 308, storage unit 309, and communication unit 310. The insurance premium calculation unit 301 calculates the insurance premium using the risk information, and creates insurance premium payment information described later. The insurance policy creation unit 302 supports the conclusion of an insurance contract and creates insurance policy information using the basic application information. The information storage unit 303 records risk information and application basic information in the storage unit 309.

  The surrender value calculator 304 calculates a surrender value and creates surrender value information. The termination termination notification unit 35 creates termination termination notification information for notifying the insurance contract terminal device 1 that the termination processing has been terminated. The update condition monitoring unit 306 monitors update condition information, which will be described later, and starts automatic update processing when a predetermined date and time comes. The risk information reading unit 307 reads risk information of the automatic update target customer from the storage unit 309. The risk information request unit 308 transmits a risk information request signal for requesting the latest risk information to the insurance contract management apparatus 3. The storage unit 309 stores risk information, basic application information, and the like. The communication processing unit 310 transmits / receives data to / from the insurance contract terminal device 1 and the risk information management device 2 via the network 8. The communication processing unit 310 transmits and receives data to and from the payment device 4 and the cancellation / refund processing device 5 via the network 9.

  As described above, the insurance contract terminal device 1, the risk management device 2, the insurance contract management device 3, the payment device 4, and the cancellation refund device 5 all have a CPU 901 as shown in FIG. 6 and a memory such as a RAM. 902, an external storage device 903 such as an HDD, an input device 904 such as a keyboard and a mouse, an output device 905 such as a display and a printer, a communication control device 906 for connecting to a network, and these devices are connected. A general-purpose computer system including a bus 907 can be used. In this computer system, the CPU 901 executes a predetermined program loaded on the memory 902, thereby realizing each function of each device.

  For example, each function of the insurance contract terminal device 1, the risk management device 2, the insurance contract management device 3, the payment device 4, and the cancellation refund device 5 is an insurance contract terminal in the case of a program for the insurance contract terminal device 1. When the CPU 901 of the apparatus 1 is a program for the risk management apparatus 2, the CPU 901 of the risk management apparatus 2 is the program for the insurance contract management apparatus 3, and when the CPU 901 of the insurance contract management apparatus 3 is the program for the payment apparatus 4. In the case of a program, the CPU 901 of the payment device 4 executes, and in the case of a program for the cancellation / repayment device 5, the CPU 903 of the cancellation / repayment device 5 implements the program. In this case, the memory 902 or the external storage device 903 of the insurance contract terminal device 1 is used for the storage unit 109 of the insurance contract terminal device 1. In addition, the memory 902 of the risk management device 2 or the external storage device 903 is used for the storage unit 204 of the risk management device 2. Further, the memory 902 of the insurance contract management apparatus 3 or the external storage apparatus 903 is used for the storage unit 309 of the insurance contract management apparatus 3.

Next, the data structure of the risk evaluation information 700 will be described. The risk evaluation information 700 is information necessary for the risk information management apparatus 2 to perform an examination.
FIG. 7 shows an example of the data structure of the risk evaluation information 700. As illustrated, the risk evaluation information 700 includes customer attribute information 710, self-report information 720, and certificate information 730. The customer attribute information 710 includes customer identification information 711 for uniquely identifying a customer, customer gender information 712 that represents the gender of the customer, and customer age information 713 that represents the age of the customer. The customer identification information 711 may be, for example, a customer code or name. The customer attribute information 710 shown in the figure indicates that the customer identification information 711 is “customer 1”, the customer sex 712 is “male”, and the customer age 713 is “33”.
The self-reported information 720 is information that the customer reports by himself / herself at the time of insurance examination and contract. In the example shown in the figure, the self-report information 720 has dietary information 721 and driving information 726, and has a questionnaire format in which an answer is input for each question. The eating habit information 721 is information related to the eating habits of the customer. In the example shown in the figure, the answer “twice” 722 is set for the question “number of drinks per week”. In addition, an answer of “Sake 2 go” 723 is set for the question “amount of sake per time”. The driving information 726 is information related to the driving of the customer's car. In the example shown in the figure, the driving information 726 is set to have an answer of “10 hours” 727 for the question “Driving time for one week”, and “average” 728 for the question “Self-evaluation of driving skills”. The answer is set.

  The certificate information 730 is information issued by a third party other than the customer. The certificate information 730 is assumed to be stored in advance in the storage unit 109 of the insurance contract terminal device 1. In the illustrated example, the certificate information 730 includes health check information 731, driving license information 736, and the like. The medical checkup information 731 is information on the result of the medical checkup that the customer has received, and has a reception date 732 and a health state 733. In the illustrated example, “2003/08/08” is set for the reception date 732, and a health check result “no problem” is set for the health state 732. The driver's license information 736 is information indicated on the driver's license held by the customer, and includes a license acquisition date 737, a license renewal date 738, and the like. In the illustrated example, “1988/04/02” is set for the license acquisition date 737 and “2002/04/02” is set for the license renewal date 738.

  The risk evaluation information 700 may include information necessary for performing various risk evaluations in addition to the above. For example, the customer attribute information 710 may include the customer's address and postal code. The driving information 726 includes various information histories that can grasp the driving tendency / technique of the customer, such as the driving speed measured by the car navigation system installed in the customer's car, the engine speed, the travel distance, and the travel location. It may be included. The certificate information 730 may include vehicle inspection information, family register information, and the like. Further, the risk evaluation information 700 may include image information such as the customer himself, the customer's car, and a house.

  Next, the data structure of the risk information 800 will be described. The risk information 800 is a result of risk evaluation and examination performed by the risk information management device 2.

  FIG. 8 shows an example of the data structure of the risk information 800. As illustrated, the risk information 800 includes customer identification information 810, insurance product identification information 820, risk evaluation information 830, examination result information 840, and expiration date information 850. The customer identification information 810 is information for uniquely identifying a customer. For example, a customer code or a name can be considered. The insurance product identification information 820 is information for uniquely identifying an insurance product, and for example, an insurance product number or an insurance product name can be considered.

  The risk evaluation information 830 is information representing the result of risk evaluation for each customer and each insurance product. Risk means the possibility that an insurer will pay insurance money if a customer becomes ill or has an accident. For example, when “A”, “B”, or “C” indicating a rating is set in the risk evaluation information 830, score information that sets 100 points as a perfect score, or A case may be considered in which a numerical value representing the probability of the customer having an accident during a certain period is set. In the examination result information 840, an examination result indicating whether or not the customer set in the customer identification information 810 can join the insurance product set in the insurance product information 820 is set. For example, “O” is set when the subscription is possible, and “X” is set when the subscription is impossible. In the expiration date 850, the expiration date of the risk evaluation information 830 and the examination result information 840 is set. In order to apply for insurance, it is necessary to send application basic information, which will be described later, to the insurance contract management apparatus 3 within the expiration date 850. The expiration date 850 is set to a date and time obtained by adding a predetermined number of days predetermined for each insurance product by each insurance company to the date and time when the examination is performed.

  In FIG. 8, for example, “A” is included in the risk evaluation information 830 for “Customer 1 Auto Insurance” of “Customer 1”, “O” indicating that it is possible to participate in the examination result information 840, and “ 2004/01/01 00:00 "is set for each. The risk information 800 shown in the figure stores all customer information in one table. However, the risk information 800 may be created by dividing a table for each customer.

  Next, the data structure of the insurance premium payment information 900 will be described.

  FIG. 9 shows an example of the data structure of the insurance premium payment information 900. As shown in the figure, the insurance premium payment information 900 includes payment means identification information 901 and insurance premium amount information 902. In the payment means identification information 901, information for uniquely identifying insurance payment means, such as a bank name and account number, a credit company name and a credit card number, and the like are set. The amount of insurance premium is set in the insurance fee amount information 902. In the example shown in the figure, the insurance premium “20000” is paid by the payment means using the credit card specified by “credit-2130”.

  Next, the data structure of the basic application information 1000 will be described. The basic application information 1000 is information necessary for applying for an insurance contract.

  FIG. 10 shows an example of the data structure of the basic application information 1000. As shown in the figure, application basic information 1000 includes customer attribute information 1010, insurance product information 1020, payment means identification information 1031, and surrender value processing means identification information 1032. The customer attribute information 1010 includes customer identification information 1011, customer sex information 1012, and customer age information 1013. The customer identification information 1011 is information for uniquely identifying a customer who applied for insurance, and is, for example, identification information such as a contractor number and a name. The customer sex information 1012 is information representing the sex of the customer. Customer age information 1013 is information representing the age of the customer.

The insurance product information 1020 is information on the insurance product that the customer applied for. The insurance product information 1020 includes insurance product identification information 1021 for uniquely identifying the insurance product, an insurance type 1022 indicating the type of the insurance product, and insurance information 1023 indicating the name and amount of the insurance. In the illustrated example, the amount of money “300000” is set as the “vehicle insurance money” in the insurance money information 1023. There may be a plurality of insurance information 1023.
The payment means identification information 1031 is set with information for uniquely identifying the payment means for paying the insurance premium applied by the customer, for example, bank name and account number, credit company name and credit card number, etc. The Cancellation refund processing means identification information 1032 is information for specifying a transfer destination for transferring a cancellation refund when canceling an insurance product for which a customer has applied. For example, a bank name and an account number are set. The In the illustrated example, “Customer 1” 1011 has applied for “Company A car insurance” 1021. Further, the insurance premium is paid by “credit-2130” 1031, and when the insurance is canceled, the cancellation refund is transferred to the “bank account-2233” 1032.

  Next, the data structure of the insurance policy information 1100 will be described.

  FIG. 11 shows an example of the data structure of the insurance policy information 1100. As shown in the figure, the insurance policy information 1100 includes insurance policy identification information 1111, a valid flag 1112, a contract start time 1113, a contract end time 1114, insurance fee amount information 1115, and a cancellation refund processing means identification information 1116. And customer attribute information 1120 and insurance product information 1130.

  The insurance policy identification information 1111 is information for uniquely identifying the insurance contracted between the customer and the insurance company. The validity flag 1112 is information for identifying whether the insurance contract is currently valid or invalid (cancelled). The contract start time 1113 is information indicating the contract start time (date) of the insurance contract. The contract end time 1114 is information indicating the contract end time (date) of the insurance contract. The insurance fee amount information 1115 is information indicating the amount of the insurance fee. The surrender value processing means identification information 1116 is information for identifying a surrender value processing means for transferring a surrender value when canceling the insurance contract. The customer attribute information 1120 and the insurance product information 1130 are the same as the customer attribute information 1010 and the insurance product information 1020 described above with reference to the basic application information in FIG.

  Next, the data structure of the surrender value information 1200 will be described.

  FIG. 12 shows an example of the data structure of the surrender value information 1200. As shown in the figure, the surrender value information 1200 includes surrender value processing means identification information 1201 and a surrender value 1202. The surrender value processing means identification information 1201 is information for identifying a surrender value processing means for transferring a surrender value when canceling the insurance contract. The cancellation return amount 1202 is an amount returned to the customer when the insurance is canceled. The example shown in FIG. 12 indicates that the amount of “10000” is transferred to the bank account specified by “Bank account-2233”.

  Next, the data structure of the update condition information 1300 will be described.

  FIG. 13 shows an example of the data structure of the update condition information 1300. As illustrated, the update condition information 1300 includes customer identification information 1301, automatic update timing 1302, payment instrument identification information 1303, insurance product identification information 1304, and terminal device identification information 1305. The customer identification information 1301 is information for uniquely identifying a customer whose insurance contract is automatically updated. The automatic update time 1302 is information indicating the time when the automatic update is performed. The payment means identification information 1303 is information for uniquely identifying the payment means for paying the insurance premium when automatic updating is performed. The insurance product identification information 1304 is information for uniquely identifying the insurance product to be automatically updated. The terminal device identification information 1305 is information for identifying the insurance contract terminal device 1 that transmits the insurance policy information 1100 after automatically updating the insurance product, for example, an IP address.

  In the example shown in the drawing, “Customer 1” “A company car insurance” is automatically updated at “2004/12/01 09:00”, and the insurance premium at that time is based on a credit card identified by “Credit-2130”. It shows that the insurance policy information is transmitted to the insurance contract terminal device 1 of “address 1” after being automatically paid and paid by the payment means.

  Next, risk assessment and examination processing will be described.

  FIG. 14 is a flowchart of risk assessment and examination processing. First, the input reception unit 107 of the insurance contract terminal device 1 receives information for creating risk evaluation information (S1401). For example, the customer attribute information 710 and the self-report information 720 of the risk evaluation information 700 shown in FIG. 7 are input using an input unit 904 from an input screen such as a GUI (Graphical User Interface). Further, as the certificate information 730, the health diagnosis information 731 and the driving license information 736 stored in advance in the storage unit 109 of the insurance contract terminal device 1 are input. Note that information input from the input unit 904 may be stored in the storage unit 109 so that it can be reused next time. Then, the risk evaluation information creating unit 101 creates the risk evaluation information 700 from these input information (S1402). Then, the risk evaluation information creation unit 101 transmits the created risk evaluation information 700 to the risk information management apparatus 2 using the communication processing unit 110.

  Next, the examination unit 210 of the risk information management device 2 performs risk assessment using the risk assessment information 700 transmitted from the insurance contract terminal device 1 (S1403). That is, the screening unit 201 performs risk evaluation for each type of insurance product set in advance for the customer set in the customer identification information 711 of the risk evaluation information 700. First, the examination unit 201 specifies at least one piece of information corresponding to each insurance product with reference to an evaluation item specification table (not shown) of insurance products and risk evaluation items. And the examination part 201 performs risk evaluation according to the setting content of each information specified for every insurance product. In the risk evaluation, for example, the evaluation is determined by referring to an evaluation determination table (not shown) in which the setting contents of each information and the evaluation result are associated with each insurance product. Note that the evaluation item specification table and the evaluation determination table are stored in the storage unit 204 in advance.

  For example, when the insurance product is “Company B cancer insurance”, the examination unit 201 specifies the health state 733 from the risk evaluation information 700 as an evaluation item using the evaluation item specifying table. Then, since “no problem” is set in the health state 733, the screening unit 201 determines the risk evaluation result “A” corresponding to the health state “no problem” with reference to the evaluation determination table.

  When the insurance product is “Company C cancer insurance”, the examination unit 201 specifies the dietary information 721 from the risk evaluation information 700 as an evaluation item using the evaluation item specifying table. Then, the review unit 204, for example, “+1 points” when the “number of drinks per week” 722 is “2 times”, “+2 points” when the number is “2 times”, and “+2 points”. A score representing the size is calculated by adjusting for each item of the dietary information 721. And it is possible for the screening part 204 to determine the risk evaluation result corresponding to the calculated score with reference to the evaluation determination table. Specifically, if the calculated score is 0 to 10 points, the risk evaluation result is “A”, and if it is 11 to 20 points, the risk evaluation result is “B”.

  When the insurance product is “Company A car insurance”, the examination unit 201 specifies the driving information 726 from the risk evaluation information 700 as an evaluation item using the evaluation item specifying table. Then, the examination unit 201 may analyze the driving tendency of the customer using the history of various information measured by the car navigation (not shown) in the driving information 726 to evaluate the risk. For example, the average value of the customer's driving speed is calculated from the driving speed history information. And it is possible that the screening part 201 determines the risk evaluation result corresponding to the average value of the calculated driving speed with reference to the evaluation determination table. Specifically, when the average driving speed is less than 20 km / h, the risk evaluation information is “A”, and when the average is 20 km / h or more and 30 km / h or less, the risk evaluation result is “B”. .

  Next, the screening unit 201 performs screening based on the risk evaluation result (S1404). That is, the examination unit 201 determines whether or not the customer set in the customer identification information 711 of the risk evaluation information 700 can be enrolled in each type of insurance product set in advance. Specifically, the examination unit 201 may determine for each insurance product using a correspondence table in which the risk evaluation information 803 is associated with availability. For example, in this correspondence table, when the risk evaluation information is “A” or “B”, “◯” means that the insurance product can be enrolled, and when the risk evaluation information is “C”. It is assumed that “x”, which means that the insurance product cannot be enrolled, is set.

After the screening unit 201 completes the risk evaluation and screening of all insurance products for the customers set in the customer identification information 711 of the risk evaluation information 700, the risk information storage unit 202 The evaluation result is added to the risk information 800 stored in the storage unit 204 (S1405). That is, the risk information storage unit 202 adds each record of the customer to the risk information 800 for each predetermined insurance product. The risk information storage unit 202 sets the information set in the customer identification information 711 for the customer identification number 810, the name of each insurance product for the insurance product identification information 820, and the risk set in S1403 for the risk evaluation information 830. The evaluation result is set to the examination result information 840, the examination result set in S1404, and the expiration date 850 is set to a date and time obtained by adding a predetermined period predetermined for each insurance product to the current date and time.
Then, the risk information transmission unit 203 transmits the risk information 800 of the customer using the communication processing unit 205 to the insurance contract terminal device 1 that has transmitted the risk evaluation information 700 (S1406). The output unit 108 of the insurance contract terminal device 1 receives the risk information 800 of the customer, and displays a display screen described below on the output device 905 (S1407).

  FIG. 15 shows an example of a screen of risk information 800 displayed by the output unit 108 in S1407. The illustrated example shows a display screen of “Company A car insurance” of “Customer 1” in the risk information 800 shown in FIG. The display screen 150 includes a message display unit 151, a list display button 157 that receives a display instruction for a list screen of risk information of all insurance products, and a next screen display button 158 that receives a display instruction for risk information of other insurance products. Have

  In the message display unit 151, the text box 152 in which the contents of the insurance product identification information 820 of the risk information 800 are set, the text box 153 in which the examination result information 840 is set, and the contents of the risk evaluation information 830 are set. Displayed, and a text box 155 in which the contents of the expiration date 850 are set. In the example shown in the figure, the examination for contracting “Company A car insurance” 152 is “passed” 153, the risk assessment is “A” 154, and the examination result and the expiration date 155 of the risk assessment are “ 2004/01/01 "is displayed up to 155. By viewing such a display screen 150, the customer can know in advance the examination result of each insurance product before applying for an insurance contract. Customers can apply for insurance contracts only for insurance products that have passed screening. In addition, the customer can know that the application must be made within the expiration date 155 of the display screen 150 when applying for the insurance contract using the examination result.

  FIG. 16 shows an example of a list screen displayed on the output device 905 when the list display button 157 is pressed. As shown in the figure, the risk information list screen includes a title 161 in which “list of examination results” is set and an examination list 162. The examination list 162 includes insurance product identification information 163, risk evaluation information 164, examination results 165, expiration dates, and 166. In the example shown in the figure, “A company car insurance” 167 has a risk evaluation of “A”, has passed the examination, and the expiration date is “2004/01/01”.

  Next, processing at the time of insurance contract application will be described.

  FIG. 17 is a flowchart when applying for an insurance contract. First, the input receiving unit 107 of the insurance contract terminal device 1 receives information for creating application basic information 1000 (see FIG. 10) (S1701). For example, for each item of the basic application information 1000 shown in FIG. 10, an input from an input screen using a GUI (Graphical User Interface) is accepted. Note that information input from the input unit 904 may be stored in the storage unit 109 so that it can be reused next time. Then, the basic application information creating unit 102 creates basic application information 1000, which is information necessary for applying for an insurance contract, based on the input information (S1702). Then, the basic application information creation unit 102 transmits the basic application information 1000 created to the insurance contract management apparatus 3 using the communication processing unit 110. Then, the information storage unit 303 of the insurance contract management apparatus 3 receives the basic application information 1000 and stores it in the storage unit 309 (S1703).

  Next, the information transmission permission signal creation unit 103 of the insurance contract terminal device 2 creates an information transmission permission signal for permitting transmission of the risk information 8000 and transmits the information transmission permission signal to the risk information management device 2. (S1704). The information transmission permission signal is information for transmitting the risk information 800 created in the above-described examination process (FIG. 14: S1405) to the insurance contract management apparatus 3. The information transmission permission signal includes customer identification information (information set in the customer identification information 1011 of the basic application information 1000).

  The risk information transmission unit 203 of the risk information management device 2 receives the information transmission permission signal, and extracts the customer of the customer identification information 1011 included in the signal from the risk information 800. Then, the risk information transmission unit 203 transmits the extracted risk information 800 to the insurance contract management apparatus 3 using the communication processing unit 205 (S1705). For example, when the customer identification information 1011 included in the information transmission permission signal is “customer 1”, the risk information transmission unit 203 transmits only a record in which the customer identification information 810 of the risk information 800 is “customer 1”.

  Next, the information storage unit 303 of the insurance contract management apparatus 3 receives the risk information 800 of the customer and records it in the storage unit 309 (S1706). Then, the insurance premium calculation unit 301 specifies the insurance product set in the insurance product identification information 1021 of the basic application information 1000 stored in the storage unit 309 from the risk information 800 stored in the storage unit 309. Then, the insurance premium calculation unit 301 calculates the insurance premium for each identified insurance product (S1707). That is, the insurance premium calculation unit 301 reads the risk evaluation information 830 of the risk information 800 of the insurance product for each specified insurance product. Then, the insurance premium calculation unit 301 refers to a rate calculation table (not shown) in which the risk evaluation information 830 and the insurance premium are associated with each other, and determines an insurance premium corresponding to the read risk evaluation information 830. It is assumed that the rate calculation table is stored in advance in the storage unit 309 for each insurance product. For example, in the rate calculation table for the insurance product “Company A car insurance”, risk assessment information 830 is set to “A” for insurance premiums “20000”, and risk assessment information 830 is set to “B” insurance premiums. Is set to "30000".

  Then, the insurance premium calculation unit 301 creates insurance premium payment information 900 and stores it in the storage unit 309. That is, the insurance premium calculation unit 301 sets the information set in the payment instrument identification information 1031 of the basic application information 1000 as the payment instrument identification information 901 and the insurance premium calculated for each insurance product as the insurance premium amount information 902. The set premium payment information 900 is created. Then, the insurance premium calculation unit 301 transmits the created insurance premium payment information 900 to the payment device 4.

The payment device 4 receives the insurance premium payment information 900 from the insurance contract terminal device 2, and the amount set in the insurance fee amount information 902 from the payment means such as a credit card or bank account set in the payment means identification information 901. Insurance premium payment processing (withdrawal) is performed (S1708). In the case of the insurance premium payment information 900 shown in FIG. 9, the payment device 4 deducts the amount of “20000” from the credit card specified by “credit-2130”. Then, the payment device 4 transmits a payment end signal for notifying that the payment has ended to the insurance contract management device 3 (S1709).
Upon receipt of the payment end signal, the insurance policy creation unit 302 of the insurance contract management apparatus 3 sends the insurance product set in the insurance product identification information 1021 to the customer set in the customer identification information 1011 of the basic application information 1000. The insurance policy information 1100 corresponding to the contract is created by supporting the contract conclusion (S1710). That is, the policy creating unit 302 has a predetermined unique identification number in the policy information 1111 of the policy information 1100, “valid” in the valid flag 1112, and the above-mentioned payment end signal at the contract start time 1113. The received date and time, the contract end time 1114, the date and time obtained by adding the contract period to the date and time set in the contract start time 1113, and the insurance premium amount information 1115 calculated in S1707 Are set respectively. Further, the insurance policy making unit 302 includes the cancellation refund processing means identification information 1116, the customer attribute information 1120, and the insurance product information 1130. The cancellation refund processing means identification information 1032, the customer attribute information 1010, and the insurance of the application basic information 1000 are included. The setting information of the product information 1020 is set respectively. The insurance contract process performed by the insurance policy creation unit 302 is a general contract recording process.

  Then, the insurance policy creation unit 302 creates update condition information 1300 (see FIG. 13) for the insurance product for which the insurance policy information 1100 has been created (S1711). That is, the insurance policy creation unit 302 includes the insurance policy information 1100 customer identification information 1301, the automatic update time 1302 and the insurance product identification information 1304. The customer identification information 1121 of the insurance contract information 1100, the contract end time 1114, and the insurance product Identification information 1131 is set for each. Also, the insurance policy creation unit 302 sets the payment means identification information 901 of the insurance premium payment information 900 in the payment means identification information 1303. In addition, the insurance policy creation unit 302 sets the address information of the insurance contract terminal device 1 that transmitted the insurance application basic information 1000 in the terminal identification information 1305. The address information is assumed to be included in the basic insurance application information 1000 (not shown).

  Then, the insurance policy creation unit 302 transmits the insurance policy information 1100 created in S1710 to the insurance contract terminal device 1 that transmitted the insurance application basic information 1000. Then, the policy information storage unit 104 of the insurance contract terminal device 1 receives the policy information 1100 and records it in the storage unit 109 (S1712). Then, the output unit 108 displays the insurance policy information 1100 on the output device 905 (S1713).

  Next, the display screen of the policy information 1100 displayed on the output device 905 in S1712 will be described.

  FIG. 18 shows an example of a display screen of the insurance policy information 1100. As shown in the figure, the display screen 180 includes a text box 181 that displays the contents of the insurance product identification information 1131, a text box 182 that displays the contents of the insurance fee amount 1115, a text box 183 that displays the contract start time 1113, A text box 184 for displaying the contract end time 1114. In the example shown in the figure, the contract of “Company A car insurance” 181 is established, and the insurance premium of “20000” 182 is paid to make the contract. Further, the term of validity of the contract of “Company A car insurance” 181 is “2003/12/01 09:11” 183 to “2004/12/01 09:11” 184.

  FIG. 19 shows another example of the display screen of the insurance policy information 1100. This display screen 190 prevents others from browsing the insurance policy information 1100 by inputting a password. As shown in the figure, the display screen 190 first has a policy identification information display unit 191 for displaying the policy identification information 1111 of the policy information 1100 and a password input pop-up display unit 192. The password input pop-up unit 192 has a password input box 193 and a button 194. When a correct password is input in the password input box 193 and the button 194 is pressed, the password input pop-up unit 192 disappears from the display screen 190, and instead, the display contents 181 to 184 described above with reference to FIG. It is assumed that insurance policy information 1100 is displayed. In the password check, the output unit 108 reads a password set in the storage unit 109 in advance and determines whether or not they match.

  Next, insurance contract cancellation processing will be described.

  FIG. 20 is a flowchart of insurance contract cancellation processing. The input reception unit 107 of the insurance contract terminal device 1 receives a cancellation instruction input from the input device 904 (S2001). Then, the insurance policy information transmission unit 105 copies the insurance policy information 1100 stored in the storage unit 109, and transmits the copied insurance policy information 1100 to the insurance contract management apparatus 3 (S2002). If a plurality of insurance policy information 1100 is stored in the storage unit 109, it is possible to accept the input of the insurance policy identification information in S2001 and transmit only the insurance policy information 1100 of the received insurance policy identification information.

  Next, the surrender value calculator 304 of the insurance contract management apparatus 2 receives the policy information 1100 and calculates a surrender value using the policy information 1100 (S2003). That is, the surrender value calculator 304 calculates a surrender value by referring to a surrender value table (not shown) in which a surrender value is set, for example, according to the remaining period from the current time to the end of the insurance period. For example, a general cancellation refund calculation process is performed. Note that the cancellation refund table is stored in advance in the storage unit 309 for each insurance product. Then, the surrender value calculator 304 creates the surrender value information 1200 and stores it in the storage unit 309. That is, the surrender value calculation unit 304 uses the information set in the surrender value processing means identification information 1116 of the insurance policy information 110 as the surrender value processing means identification information 1201 and the calculated surrender value as the surrender value 1202. Each of the set cancellation repayment information 1200 is created. Then, the surrender value calculator 304 transmits the created surrender value information 1200 to the surrender value device 5.

  The cash surrender value device 5 receives the cash surrender value information 1200 from the insurance contract terminal device 2, and the cash surrender value 1202 is set to the payment means such as the bank account set in the cash surrender value processing means identification information 1201. Refund (transfer) the amount of cancellation refund (S2004). Then, the surrender / refund processing unit 5 transmits a surrender / return end signal to the insurance contract management apparatus 3 to notify that the refund has ended (S2005).

  Upon receiving the cancellation return end signal, the cancellation termination notification unit 305 of the insurance contract management apparatus 3 cancels the insurance contract of the insurance policy information 1100 and provides cancellation termination notification information for invalidating the insurance policy information 1100. It transmits to the insurance contract terminal device 1 (S2006). Here, the cancellation termination notification information includes the calculated cancellation refund amount and the insurance policy identification information 1111 of the insurance policy information 1100 transmitted in S2002.

  Next, the policy information invalidation unit 106 of the insurance contract terminal device 1 receives the cancellation completion notification information, and invalidates the policy information 1100 that has been instructed to cancel (S2007). That is, the policy information invalidation unit 106 changes the validity flag 1112 of the policy information 1100 from “valid” to “invalid”. Then, the output unit 108 displays on the output device 905 a display screen notifying that the cancellation as shown in FIG. 21 has been established (S2008).

  FIG. 21 shows an example of a display screen for notifying completion of cancellation. As shown in the figure, the display screen 210 has a text box 211 for displaying the contents of the insurance product identification information 1111 and a text box 212 for displaying the amount information of the cancellation refund. In the example shown in the figure, it is shown that the cancellation of “Company A car insurance” has been established, and the cancellation refund amount of “10000” has been transferred (refunded).

Next, insurance contract automatic update processing will be described.
FIG. 22 is a flowchart of an insurance contract automatic update process. The update condition monitoring unit 306 of the insurance contract management apparatus 3 reads each automatic update time 1302 of the update condition information 1300 stored in the storage unit 309 at regular time intervals (S2201). Then, the update condition monitoring unit 306 compares the current date and time acquired by an OS (Operating System) function and the like with each read automatic update time 1302 (S2202). If there is no contract (record) with the automatic update time 1302 that coincides with the current date (S2202: NO), the update condition monitoring unit 306 returns to S2201, and the automatic update time 1302 at regular time intervals. Is read.
On the other hand, when there is a contract (record) with the automatic update time 1302 that coincides with the current date (S2202: YES), the update condition monitoring unit 306 identifies the contract with the automatic update time 1301. Then, the risk information reading unit 307 reads from the storage unit 309 the risk information 800 corresponding to the customer identification information 1301 and the insurance product identification information 1304 set in the contract (record) of the identified update condition information 1300 (S2203). For example, when the current date is “2004/12/01 09:11”, the update condition monitoring unit 306 indicates that the automatic update time 1302 of the update condition information 1300 shown in FIG. : 11 ”“ Customer 1 ”record is specified. Then, the risk information reading unit 307 reads a record in which the customer identification information 810 is “customer 1” and the insurance product identification information 820 is “company A car insurance” from the risk information 800 shown in FIG.

Then, the risk information reading unit 307 determines whether or not the current date is before the expiration date 850 of the risk information 800 (S2204). When the current date is before the expiration date 850 (S2204: YES), the processing of S2208 described later is performed. On the other hand, when the current date is after the expiration date 850 (S2204: NO), the risk information request unit 308 creates a risk information request signal for requesting the risk information 800, and the risk information management device 2 (S2205). The risk information request signal includes the customer identification information 1301 of the update condition information 1300 specified in S2203 and the insurance product identification information 1304.
The risk information transmission unit 203 of the risk information management device 2 receives the risk information request signal, and stores the latest risk information 800 corresponding to the customer identification information 1301 and the insurance product identification information 1304 included in the risk information request signal. The risk information 800 extracted from 204 is transmitted to the insurance contract management apparatus 3 (S2206). It is assumed that the customer who has contracted the insurance performs the risk evaluation and examination process shown in FIG. 14 at a predetermined timing. Thereby, the latest risk information 800 exists in the storage unit 204 of the risk information management apparatus 2.

  Then, the information storage unit 303 of the insurance contract management apparatus 3 receives the risk information 800 and stores it in the storage unit 309 (S2207). Then, insurance premium calculation (S2208), insurance premium payment processing (S2209), payment end signal transmission (S2210), and insurance policy creation (S2211) by the same processing as the insurance contract processing (S1707 to S1713) shown in FIG. ), Creation of update condition information (S2212), storage of insurance card information (S2213), and display of insurance policy information (S1714). Note that the basic application information 1000 to be processed is already stored in the storage unit 309 in S1703 of FIG.

  The embodiment of the present invention has been described above.

  In this embodiment, before accepting an insurance application, risk assessment and examination are performed in advance based on risk assessment information 700 input from a customer. Thereby, the time from application for insurance to contract can be further shortened, and the convenience of the customer can be improved.

  In addition, the third company organization other than the insurance company has the risk information management device 2, and the risk assessment and examination of each insurance product of each insurance company can be performed at once, thereby realizing an efficient examination process. it can.

  In the present embodiment, the insurance policy information 1100 is stored in the storage unit 109 of the insurance contract terminal device 1. Then, by receiving a cancellation instruction from the customer and transmitting this insurance policy information 1100 to the insurance contract management apparatus 3, the insurance can be immediately canceled and the convenience of the customer can be improved.

  In the present embodiment, the update condition information 1300 is created and the insurance is automatically updated. The convenience of the customer can be improved by sending the updated insurance policy to the customer.

  In addition, this invention is not limited to said embodiment, Many deformation | transformation are possible within the range of the summary.

  For example, in this embodiment, the insurance contract terminal device 1 transmits the application basic information 1000 to the insurance contract management device 3 and then transmits an information transmission permission signal to the risk information management device 2. Then, the risk information management device 2 transmits the risk information 800 to the insurance contract management device 3 at the timing of receiving this signal. However, the insurance contract terminal apparatus 1 may transmit the basic application information 1000 to the insurance contract management apparatus 3 after transmitting the information transmission permission signal. The insurance contract management device 3 may transmit an information transmission permission signal to the risk information management device 2. That is, the insurance contract management apparatus 3 that has received the basic application information 1000 transmits an information transmission permission signal requesting transmission of the risk information 800 to the risk information management apparatus 2, and the risk information management apparatus 2 transmits the risk information 800 to the insurance information. It is good also as transmitting to the contract management apparatus 3. In this case, the insurance contract terminal device 1 does not transmit the information transmission permission signal.

  Further, when receiving the information transmission permission signal, the risk information management apparatus 2 may transmit the risk information 800 to the insurance contract terminal apparatus 1 instead of the insurance contract management apparatus 3. In this case, the insurance contract terminal device 1 transmits the risk information 800 together with the basic application information 1000 to the insurance contract management device 3.

  In this embodiment, the payment device 4 or the cancellation / refund processing device 5 is a computer device owned by a bank or a credit company. However, when the insurance company has a settlement function, the payment apparatus 4 or the cancellation / refund processing apparatus 5 may be provided by the insurance company.

  The payment device 4 or the cancellation / refund processing device 5 may be a computer device that manages transactions using points or a computer device that manages payments using loans. The points may be prepaid points that are purchased in advance by a customer in order to exchange for a product such as insurance. Further, the points may be accumulated by purchasing a product or service different from the insurance product. Specifically, points called mileage issued by airlines, points accumulated according to the amount of money traded with a credit card, and the like can be considered. In addition, for payment using a loan, for example, the customer borrows money from a credit company, the customer purchases insurance products from the insurance company in a lump sum with the borrowed money, and then returns the money borrowed by the customer to the credit company. Payment by loan is considered.

In the present embodiment, the risk management device 2 is a computer device possessed by a third party other than the insurance company, and performs risk assessment and examination of insurance products of each insurance company. However, each insurance company may have the risk management device 2 to perform risk assessment and examination of its own insurance products.

FIG. 1 is a schematic diagram of an insurance contract system to which an embodiment of the present invention is applied. FIG. 2 is a diagram schematically showing a processing outline of the insurance contract system. FIG. 3 is a diagram illustrating an example of a functional configuration of the insurance contract terminal device. FIG. 4 is a diagram illustrating an example of a functional configuration of the risk information management apparatus. FIG. 5 is a diagram illustrating an example of a functional configuration of the insurance contract management apparatus. FIG. 6 is a diagram illustrating a hardware configuration example of each device. FIG. 7 is a diagram illustrating an example of the configuration of the risk evaluation information. FIG. 8 is a diagram illustrating an example of the configuration of risk information. FIG. 9 is a diagram showing an example of the configuration of insurance premium payment information. FIG. 10 is a diagram illustrating an example of the configuration of basic application information. FIG. 11 is a diagram showing an example of the configuration of insurance policy information. FIG. 12 is a diagram illustrating an example of the configuration of the surrender value information. FIG. 13 is a diagram illustrating an example of the configuration of the update condition information. FIG. 14 is a flowchart of the examination process. FIG. 15 is a diagram illustrating an example of a risk information display screen. FIG. 16 is a diagram illustrating an example of the risk information display screen. FIG. 17 is a flowchart of the insurance contract application process. FIG. 18 is a diagram illustrating an example of an insurance contract display screen. FIG. 19 is a diagram illustrating an example of an insurance contract display screen. FIG. 20 is a flowchart of insurance contract cancellation processing. FIG. 21 is a diagram illustrating an example of a cancellation processing end notification screen. FIG. 22 is a flowchart of the insurance contract automatic update process.

Explanation of symbols

1: Insurance contract terminal device 2: Risk information management device 3: Insurance contract management device 4: Payment device 5: Cancellation refund processing device 8: Network 9: Dedicated line 101: Creation of risk evaluation information , 102: Application basic information creation unit, 103: Information transmission permission signal creation unit, 104: Insurance policy information storage unit, 105: Insurance policy information transmission unit, 106: Insurance policy information invalidation unit, 107: Input reception unit, 108: output unit 109: storage unit, 110: communication processing unit, 201: screening unit, 202: risk information storage unit, 203: risk information transmission unit, 204: storage unit, 205: communication processing unit, 301: insurance premium calculation , 302: Insurance policy making part, 303: Risk information storage part, 304: Cancellation refund calculation part, 305: Cancellation termination notification part, 306: Update condition monitoring 307: Risk information reading unit 308: Risk information requesting unit 309: Storage unit 310: Communication processing unit

Claims (7)

An insurance contract system,
A risk information management device that performs an examination for taking out insurance, an insurance contract management device that supports insurance contracts, and a payment device that settles insurance premiums,
The risk information management device includes:
An assessment means for accepting risk assessment information necessary for insurance assessment, assessing a risk indicating the possibility of paying an insurance claim based on the risk assessment information, and assessing whether the insurance is available;
A risk information storage means for storing risk information including the risk evaluation result and the examination result performed by the examination means in a first storage means;
Transmission means for transmitting the risk information stored in the first storage means to the insurance contract management device,
The insurance contract management device comprises:
Information storage means for accepting application basic information necessary for applying for an insurance contract and the risk information and storing them in the second storage means;
If the risk information review result indicates permission, payment identification information for specifying a premium determined in advance according to the risk evaluation result and specifying a payment method included in the basic application information and the specification Insurance premium calculation means for transmitting insurance premium information including the insurance premium to the payment device;
Insurance policy information creating means for creating policy information that is a certificate of the insurance contract based on the basic application information, and the payment device comprises:
An insurance contract system comprising: a payment unit that receives the insurance premium information and subtracts the insurance premium from the payment identification information included in the insurance premium information. The insurance contract system according to claim 1,
The insurance contract system further includes a surrender value processing device for settlement of the surrender value.
The insurance contract management device comprises:
Cancellation refund identification information for accepting an insurance cancellation instruction, specifying a predetermined cancellation refund according to the remaining period of the insurance, and specifying a method of refunding the cancellation refund included in the basic application information; and A surrender value calculation means for transmitting the surrender value information including the specified surrender value to the surrender value processing device;
The cancellation refund processing device
An insurance contract system comprising: payment means for receiving the surrender value information and adding the surrender value to the surrender value identification information included in the surrender value information. The insurance contract system according to claim 1,
The insurance policy information creating means stores update condition information including an end time of a predetermined contract period of the insurance in the second storage means,
The insurance contract management device comprises:
If the end time of the update condition information matches the current time, the risk information requesting means for requesting risk information to the risk information management device, further comprising:
The insurance fee calculation means specifies a premium determined in advance according to the risk evaluation result when the examination result of the risk information requested by the risk information request means indicates participation permission, and is included in the basic application information An insurance contract system, wherein payment identification information for specifying a payment method to be specified and insurance premium information including the specified insurance premium are transmitted to the payment device. An insurance contract management device for supporting insurance contracts,
Information that accepts basic information necessary for applying for insurance contracts, risk information including risk assessment results indicating the possibility of paying insurance claims, and examination results indicating whether insurance is available or not, and stores it in the storage means Storage means;
If the risk information review result indicates permission, payment identification information for specifying a premium determined in advance according to the risk evaluation result and specifying a payment method included in the basic application information and the specification Insurance premium calculation means for transmitting insurance premium information including insurance premiums to a payment device that settles insurance premiums;
An insurance policy management apparatus, comprising: insurance policy information creating means for creating insurance policy information that is a certificate of the insurance contract based on the basic application information. An insurance contract support method in an insurance contract system, comprising: a risk information management device that performs an examination for joining an insurance; an insurance contract management device that supports insurance contracts; and a payment device that settles insurance premiums. ,
The risk information management device includes:
A review step for receiving risk assessment information necessary for insurance review, evaluating a risk indicating the possibility of paying insurance money based on the risk assessment information, and examining whether the insurance is available;
A risk information storing step of storing risk information including the risk evaluation result and the screening result performed in the screening step in a first storage means;
Transmitting the risk information stored in the first storage means to the insurance contract management device, and
The insurance contract management device comprises:
An information storage step of accepting application basic information necessary for applying for an insurance contract and the risk information and storing it in a second storage means;
If the risk information review result indicates permission, payment identification information for specifying a premium determined in advance according to the risk evaluation result and specifying a payment method included in the basic application information and the specification Insurance premium calculation step for transmitting insurance premium information including the insurance premium to the payment device;
Based on the basic application information, the policy information creating step of creating policy information that is a policy of the insurance contract, and the payment device,
The insurance contract support method, comprising: receiving the insurance premium information and performing a payment step of subtracting the insurance premium from the payment identification information included in the insurance premium information. An insurance contract support method performed by an information processing device,
The calculation means of the information processing apparatus includes:
Information that accepts basic information necessary for applying for insurance contracts, risk information including risk assessment results indicating the possibility of paying insurance claims, and examination results indicating whether insurance is available or not, and stores it in the storage means A save step;
If the risk information review result indicates permission, payment identification information for specifying a premium determined in advance according to the risk evaluation result and specifying a payment method included in the basic application information and the specification A premium calculation step for transmitting the premium information including the calculated premium to a payment device that settles the premium;
An insurance policy support method for executing, based on the application basic information, an insurance policy information creation step of creating insurance policy information which is a certificate of the insurance contract. An insurance contract support program for an information processing device to support an insurance contract,
In the information processing apparatus,
Information that accepts basic information necessary for applying for insurance contracts, risk information including risk assessment results indicating the possibility of paying insurance claims, and examination results indicating whether insurance is available or not, and stores it in the storage means Storage means,
If the risk information review result indicates permission, payment identification information for specifying a premium determined in advance according to the risk evaluation result and specifying a payment method included in the basic application information and the specification Insurance premium calculation means for transmitting insurance premium information including insurance premiums to a payment device that settles insurance premiums, and
An insurance policy support program that is executed as insurance policy information creating means for creating insurance policy information that is a certificate of the insurance contract based on the basic application information.

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