JP2019087086A - Contract management support device, and contract management support method - Google Patents

Abstract

To precisely present a compensation range and propriety of the compensation range about relatives serving as insured persons of a plurality of insurances, and to allow for appropriate revision proposals about the insurance.SOLUTION: A contract management support device 100 is configured to: store insured person information associating identification information, attribute information, status on a contact and relationship of an insured person of each insurance in a storage device 101; identify the insured person provided with a relationship and attribute complying with a certificate rule of at least any of an insurance object and insurance condition; hold the identification information on the insured person in association with the insurance object and insurance condition; identify an insurance having the insured person associated based on a status of a contractor or the insured person on the basis of the identification information on the insured person indicated by an output request of the compensation range; identify other insured person having the relationship with the insured person; collate identification information on the insured person and the other insured person with contract contents of each insurance; consolidate the compensation range of each insurance having the insurance object or the insurance condition associated with the identification information by the insured person serving as the insurance object; and output the compensation range and an overlapped compensation range.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a contract management support device and a contract management support method, and more specifically, the present invention appropriately presents the coverage and appropriateness of a plurality of insured relatives who are insured persons, and accordingly the insurance Technology that makes it possible to

  It is nowadays that various uncertain factors are pointed out regarding the future, such as the uncertainty over the future of the permanent employment system and the social security system, and the increase in large-scale natural disasters. With such background, people are considering taking out a wide variety of insurance such as life insurance, fire insurance, automobile insurance, medical insurance, accident insurance etc. as protection against the future risk, and multiple insurances are taken by individuals or households There are many cases in which

  As the prior art related to the contract work of such insurance, for example, in the contract information presentation method for presenting information on the contract to the customer at the time of renewal of the contract on service to the customer, Customer contract information indicating the presence or absence of selection at the time of the previous update, and customer desired information indicating the presence or absence of the customer's request at the time of the previous update And a contract record in which the characteristic information indicating the characteristic of the customer is associated is stored in the contract record storage unit, the update request for the contract including the information specifying the contract is received, and the contract corresponding to the information specifying It becomes an update candidate by searching the record and adding to the requirement indicating that the customer contract information indicates yes, giving priority to the requirement indicating that the customer desired information is present in the retrieved contract record. Produced about information, and outputs the generated contract information, contract information presentation method characterized by presenting to the customer (see Patent Document 1) it has been proposed.

JP, 2010-244442, A

  However, in the case where a plurality of individuals or households subscribe to a wide variety of insurance as described above, it is difficult to say that the policyholder accurately grasps the contract contents of the insurance.

  In particular, in the case of insurance in which a wide range of people, such as family-type insurance, are covered by compensation, the contractor himself often forgets the contents of the contract. In addition, there are cases where the insured can not recognize the contents of the contract etc. in the first place without being clearly informed that he is the object of compensation.

  If that happens, even if the insured suffers an incident that corresponds to the insurance payment event, the contractors do not even realize that it is the trigger for the insurance payment request, making it easy for the insurance claim to be missed. It is possible to happen to

In the above situation, relative risks such as parent and child or siblings may or may not be guaranteed or compensated for any kind of risk by the various insurances under contract. Of course, it is also difficult to accurately grasp the coverage of insurance, such as the presence or absence of necessary compensation. This problem is further exacerbated as the life stages of each such relative change with time, and the above mentioned criteria for coverage and suitability also keep changing.

  Therefore, an object of the present invention is to provide a technology capable of properly presenting the coverage and appropriateness of a plurality of insured relatives as insured persons and, as a result, appropriate review and proposal regarding the insurance.

  A contract management support device according to the present invention for solving the above problems includes identification information identifying an insured person in each insurance, attribute information, a position on a contract, and insured person information in which a relation between insured persons is linked. And a storage device storing information on contract contents of each of the insurances from a predetermined device, and at least one of a sequel and an attribute that conforms to a certificate provision of at least one of insurance coverage and insurance conditions in the contract contents. A process of identifying the insured person based on the insured person information, and a process of associating the identified information of the insured person with the insurance object and the insurance condition in the contract content and storing the information in the storage device And obtaining an output request for a compensation range of insurance by a predetermined insured person from the predetermined apparatus, and based on the identification information of the insured person indicated by the output request, the insured person information according to the insured person information Identify the insurance linked in the position of the contractor or the insured person, and the insured person has a relationship with the insured in the insurance linked with the position of the contractor in the insured person information The process for identifying other insured persons, and the identification information of the insured person and the other insured person are collated with the information of the contract contents of the respective insurance, and any of the insurance object and the insurance conditions in the contract contents A process of specifying each insurance to which the identification information is linked and a compensation range indicated by information of contract contents of each of the identified insurances are collected for each insured person targeted for the insurance, and at least the compensation range and the duplication thereof. And a processing unit that executes processing of generating information and outputting the information to a predetermined device.

  Further, the contract management support method of the present invention stores the insured person information in which the identification information for identifying the insured person in each insurance, the attribute information, the position on the contract, and the relation between the insured persons are linked. The information processing apparatus provided with the storage device obtains the information of the contract content of each of the insurances from the predetermined apparatus, and at least one of the sequel and the attribute that conforms to the certificate of at least one of the insurance target and the insurance conditions in the contract content. Processing for identifying the insured person having the information based on the insured person information, and identification information of the identified insured person in association with the insurance object and the insurance condition in the contract content and stored in the storage device Processing and an output request for the insurance coverage by the predetermined insured person are obtained from the predetermined device, and based on the identification information of the insured person indicated by the output request, the insured person information The insurer specifies the linked insurance in the position of the contractor or the insured, and the insured in the insured person information with the insured by the insurance linked in the position of the contractor. A process of identifying other insured persons having a fault, and collating identification information of the insured person and the other insured person with information of contract contents of the respective insurance, and the insurance object and the insurance in the contract contents A process of specifying each insurance whose identification information is linked to any of the conditions, and the coverage indicated by the information of the contract content of each of the specified insurance are summarized for each insured person subject to the insurance, at least the coverage And processing for generating information about the duplication and outputting the information to a predetermined device.

  According to the present invention, it is possible to accurately present the coverage and appropriateness of a plurality of insured relatives who are insured, and, as a result, to make an appropriate review and proposal regarding the insurance.

It is a network block diagram containing the contract management support device in this embodiment. It is a figure showing the example of hardware constitutions of the contract management support device of this embodiment. It is a figure showing the example of hardware constitutions of the user terminal of this embodiment. It is a figure which shows the data structural example of the insurance goods master of this embodiment. It is a figure which shows the data structural example of the risk master of this embodiment. It is a figure showing an example of data composition of a user master of this embodiment. It is a figure which shows the data structural example of the contractor master of this embodiment. It is a figure which shows the data structural example of the insured person master of this embodiment. It is a figure which shows the data structural example of the asset master of this embodiment. It is a figure which shows the data structural example of the contract content master of this embodiment. It is a figure which shows the data structural example of the display setting master of this embodiment. It is a figure which shows the data structural example of the cooperation application master of this embodiment. It is a figure which shows the data structural example of the user use application master of this embodiment. It is a figure showing an example of data composition of application data DB of this embodiment. It is a figure which shows the data structural example of the event definition master of this embodiment. It is a figure which shows the data structural example of detection event DB of this embodiment. It is a figure which shows the data structural example of the parameter master of this embodiment. It is a figure which shows the data structural example of the event corresponding risk master of this embodiment. It is a figure which shows the example of a concept of user registration of this embodiment, and contractor registration. It is a figure which shows the conceptual example of the insured person registration of this embodiment. It is a figure which shows the conceptual example of the asset registration of this embodiment. It is a figure which shows the example 1 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example of a concept of contract content registration of this embodiment. It is a figure which shows the example of a tying conception of the family relationship by the relationship of this embodiment. It is a figure which shows the example 2 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 3 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 4 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the concept example of the screen output of this embodiment. It is a figure which shows the example 5 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 6 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 7 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the concept example of the screen output of this embodiment. It is a figure which shows the design conceptual example 1 of the coverage display screen of this embodiment. It is a figure which shows the design concept example 2 of the coverage display screen of this embodiment. It is a figure which shows the information display concept example of the duplication compensation of this embodiment. It is a figure which shows the example 8 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 9 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 10 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 11 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 12 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example 13 of a flow of the contract management assistance method in this embodiment. It is a figure which shows the example of a concept of the cooperation application recommendation of this embodiment.

--- Network configuration ---

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the contract management support apparatus 100 of the present embodiment. The contract management support device 100 shown in FIG. 1 is a computer device that accurately presents the coverage and appropriateness of the indemnified relatives of a plurality of insured persons and the propriety thereof. .
The contract management support device 100 is connected to the network 10, and can communicate data with the user terminal 200 and the insurance company system 300.

Among them, the user terminal 200 is a terminal that can be used by a policyholder who has purchased an insurance sold by an insurance company and has a contract, or a relative of the policyholder. As the user terminal 200, specifically, a smartphone, a tablet terminal provided with a communication function, a PC or the like can be assumed, but it is not limited to these.

  Nor is it limited as to the type of insurance that the insurance company sells and the policyholders contract. If the example as the said insurance is given, various things, such as life insurance, fire insurance, car insurance, medical insurance, accident insurance, can be assumed.

Further, the insurance company system 300 is a system operated by the above-described insurance company. Specifically, various types of information on insurance products sold by the insurance company are managed, and for example, in response to a request from the contract management support apparatus 100 or the user terminal 200 (of course, the predetermined authentication process has been successfully performed. Above) a device that delivers the information. Although a server apparatus can be specifically assumed as the insurance company system 300, it is not limited to this.
--- Hardware configuration ---

  The hardware configuration of the contract management support apparatus 100 in the present embodiment is as follows. FIG. 2 shows an example of the hardware configuration of the contract management support apparatus 100 of the present embodiment.

  That is, the contract management support device 100 holds the storage device 101 configured by an appropriate non-volatile storage element such as a solid state drive (SSD) or a hard disk drive, the memory 103 configured by a volatile storage element such as a RAM, and the storage device 101 The program 102 is read out to the memory 103 and executed to perform overall control of the device itself, as well as to the arithmetic device 104 such as a CPU that performs various determinations, calculations and control processing, and to the network 10 to perform communication processing with other devices. A communication device 105 to be responsible.

  In addition to the program 102 for implementing the functions necessary as the contract management support device 100 of the present embodiment, the storage device 101 includes an insurance product master 125, a risk master 126, a user master 127, and a contractor master 128. , Insured person master 129, asset master 130, contract content master 131, display setting master 132, cooperation application master 133, user use application master 134, application data DB 135, event definition master 136, detection event DB 137, parameter master 138, and , Event response risk master 139 is stored at least. Details of these masters and DBs will be described later.

  Further, FIG. 3 shows an example of the hardware configuration of the user terminal 200 of the present embodiment. The user terminal 200 of the present embodiment includes a storage device 201 configured of an appropriate non-volatile storage element such as a solid state drive (SSD) or a hard disk drive, a memory 203 configured of a volatile storage element such as a RAM, and the storage device 201. The stored program 202 is read out to the memory 203 and executed to perform overall control of the apparatus itself, as well as an arithmetic unit 204 such as a CPU that performs various determinations, calculations and control processing, and users from a policy contractor or insured person. An input device 205 for receiving key input and voice input, an output device 206 such as a display for displaying processing data, a communication device 207 connected to the network 10 and at least communicating with the contract management support device 100, a GPS unit 208, And a gyro unit 209, Ru.

  In addition to the program 202 for implementing the functions necessary for the user terminal 200 of the present embodiment, the storage device 201 stores at least a cooperative application 210 and application data 225.

Among them, the collaboration application 210 is an application for observing an event that occurs in relation to a policyholder or an insured who owns the user terminal 200. Specifically, an existing so-called life log application such as a weather application, a step count application, a golf log management application, a household account application, etc. can be assumed.

  Among these, the weather application is an application for acquiring weather information in a corresponding area from a predetermined information distribution server or the like, based on the current position of the user terminal 200 (e.g. acquired from the GPS unit 208).

The step count application is an application that counts the step counts of the policyholder and the insured person based on data obtained from the gyro unit 209 provided in the user terminal 200.
Further, the golf log management application is an application for performing management by inputting the score and the like when the policyholder or the insured plays golf.

  In addition, the household account book application obtains various information used for household finance management, such as balances of deposits and withdrawals and deposit and withdrawal information in bank accounts owned by policyholders and insured persons, and information on credit card use from predetermined resources. Management application.

The application data 225 is data obtained by the above-described cooperative application 210 regarding the corresponding event. If it is an example mentioned above, it will become data about a weather, the number of steps, a golf score, household expenses, etc. The application data 225 is appropriately collected by the contract management support device 100 of the present embodiment, and is managed by the application data DB 135.
--- Data structure example ---
Subsequently, tables used by the contract management support apparatus 100 of the present embodiment will be described. FIG. 4 shows an example of the insurance product master 125 in the present embodiment.

  The insurance product master 125 in this embodiment is, for example, distributed from the insurance company system 300 of each insurance company, or a person in charge of each insurance company operates the terminal to access the contract management support apparatus 100 and input It is a table in which information on insurance products is collected and accumulated (the same applies to the risk master 126 etc. for resources of such stored information).

  The data structure uses an insurance product ID uniquely identifying an insurance product as a key, and an insurance company as a sales source of the insurance product, a product name / special contract name such as term insurance or medical insurance, an insured person or his spouse, assets And so on, conditions such as age and relatives, and a risk ID that indicates the risk covered by the coverage of the insurance product. Among them, the risk ID is common to that of the risk master 126 described later.

  Further, FIG. 5 shows an example of the data configuration of the risk master 126 of the present embodiment. The risk master 126 in the present embodiment is a table in which information on the risks covered by the coverage of the insurance product is accumulated.

  The data structure is a collection of records including data such as an object of the risk, a risk label which is a key word indicating the risk, and a content of the risk with the risk ID uniquely identifying the risk as a key.

  Further, FIG. 6 shows an example of the data configuration of the user master 127 of the present embodiment. The user master 127 in the present embodiment is a table in which information on a user who uses the contract management support service provided by the contract management support apparatus 100, that is, a contractor or an insured person of insurance is accumulated.

The user master 127, a contractor master 128 described later, an insured person master 129, an asset master 130, a contract content master 131, and various masters related to the insured person and the insurance that insures them, for example, contract The person or the insured operates the user terminal 200, accesses the contract management support apparatus 100, and stores the input information (the same applies to the following).

  The data structure is a collection of records including data such as the user's name, gender, date of birth, and address with the user ID uniquely identifying the user as a key.

  Further, FIG. 7 shows an example of the data configuration of the contractor master 128 according to the present embodiment. The contractor master 128 in the present embodiment is a table in which information on contractors of insurance products is accumulated.

  The data structure has a contractor ID uniquely identifying the contractor as a key, the contractor's name, gender, date of birth, address, and corresponding user ID (user ID of the corresponding contractor, as described above). It is a collection of records consisting of data such as that of the user master 127).

  Further, FIG. 8 shows a data configuration example of the insured person master 129 of the present embodiment. The insured person master 129 in the present embodiment is a table in which information of a person who has been made an insured person in the insurance product contracted by the contractor registered in the above-described contractor master 128 is accumulated.

  The data structure uses the insured person ID uniquely identifying the insured person as a key, and indicates the name of the insured person, relationship with the contractor, sex, date of birth, address, living condition with the contractor Cohabitation flag (e.g. "1" for cohabitation "0" for non cohabitation), marital status flag (e.g. "1" for marriage, "0" for single), registered contractor ID, corresponding user ID, It is a collection of records consisting of such data.

  Further, FIG. 9 shows an example of the data configuration of the asset master 130 of the present embodiment. The asset master 130 in the present embodiment is a table in which information of assets that are covered by insurance by the above-described contractor is accumulated.

  The data structure is a collection of records including data such as the type of asset, name, location, and registered contractor ID, using an asset ID uniquely identifying the asset as a key.

  Further, FIG. 10 shows a data configuration example of the contract content master 131 of the present embodiment. The contract content master 131 in the present embodiment is a table in which information of contract content of the insurance product contracted by the above-described contractor is accumulated.

  The data structure uses the policy number of the insurance policy that uniquely identifies the relevant contract as a key, the insurance product ID of the target insurance product, the contractor ID of the contractor, and the subject of the insured person in the contract. It is a collection of records consisting of data such as insurer ID, insurance coverage, condition, risk, and disclosure flag.

  Among these, the “insurance target” column includes a certificate column with respect to the insured person ID and the asset ID setting column. This certificate column is a column in which the items relating to the insurance object in the policy of the relevant insurance policy are set. In other words, the insured person ID and the asset ID are linked to the items described in the certificate. Such a configuration is also applied to the "condition" column, and the insured person ID of the insured person who meets the condition is set in the "deed" column in which the entry in the certificate is set as the condition for applying the insurance. It has a configuration that corresponds to the field.

Further, FIG. 11 shows a data configuration example of the display setting master 132 of the present embodiment. The display setting master 132 in the present embodiment is a table that defines information of the insured person, and the risk not to display the compensation range of the asset in the screen output described later.
The data structure is a collection of records including data such as the risk to be hidden by using the subject insured ID and the asset ID as a key.

  Further, FIG. 12 shows a data configuration example of the cooperation application master 133 of the present embodiment. The cooperative application master 133 in the present embodiment stores information of an application that provides data (for an event that occurs to a contractor or an insured person) that can be used for the processing to the contract management support device 100 of the present embodiment. Table. This application is a cooperation application 210. Therefore, specifically, it can be said to be a list of applications that can be installed in the user terminal 200.

  The data structure is a collection of records including data such as an application name and data type of the cooperation application 210 with an application ID uniquely identifying the cooperation application 210 as a key. In the example of FIG. 12, it is set as the data structure which can set two or more data types. For example, as data provided by the “Teach and Weather” app for weather events, “area” where rainfall or lightning strikes etc., “rainfall” corresponding to the scale, “lightning strike” generated accordingly, etc. It is assumed that the data of

  Further, FIG. 13 shows a data configuration example of the user use application master 134 of the present embodiment. The user use application master 134 in the present embodiment is a table in which information of the cooperation application 210 installed and used in the user terminal 200 by each user such as a contractor or an insured person is stored.

  The data structure is an application that is an application ID of the collaboration application 210 used by the user and a login ID for using the collaboration application 210, with the user ID uniquely identifying the contractor and the insured person as a key It is a collection of records consisting of data such as a user ID and an application password used at login.

  Further, FIG. 14 shows a data configuration example of the application data DB 135 of the present embodiment. The application data DB 135 in the present embodiment is a database in which the application data 225 held for the event corresponding to the cooperation application 210 of each user terminal 200 is accumulated.

  The data structure is a collection of records including data such as an application ID of the cooperative application 210 and application data with the date of data acquisition and the user ID as keys. Among these, the application data naturally includes data corresponding to each event of the data type column defined by the cooperation application master 133.

  Further, FIG. 15 shows an example of the data configuration of the event definition master 136 of this embodiment. The event definition master 136 in the present embodiment is a table in which information on events that may occur to the contractor and the insured is accumulated.

  The data structure is a collection of records including data such as event name, support type, usage data, and definition, with an event ID uniquely identifying the event as a key.

Among these, when the corresponding event occurs, the type of the proposal to be made regarding the insurance product to the contractor or the insured who was the occurrence source of the event or located near the occurrence location It is a specified value. Examples of this type of support include: "claims" that promote insurance claims, "joins" that encourages contract review of new insurance products, "subscribes, reviews" that encourages contract reviews of new insurance products and content review of existing contracts, The value can be assumed.
In addition, the use data corresponds to the value defined in the data type field of the cooperation application master 133.

  In addition, as the definition, a condition for determining whether or not the proposal set in the support type field is set is set. For example, when application data related to a weather event is obtained from the cooperation application 210 related to the weather of a certain user terminal 200, the contract management support device 100 determines that the location of the asset of the contractor who is the user of the user terminal 200 is the weather event If a lightning strike is obtained as a value relating to a weather event, it is determined that the event name “strike to a neighbor” has occurred, and the user terminal 200 of the contractor In response to this, the support type “claim”, that is, a notification prompting for an insurance claim, etc. is distributed.

  Further, FIG. 16 shows a data configuration example of the detection event DB 137 of this embodiment. The detection event DB 137 in this embodiment is a user related to the event when the contract management support device 100 checks the stored data of the application data DB 135 against each record of the event definition master 136 and detects the occurrence of the event ( It is a database in which information on contractors and insured persons) is accumulated.

  The data structure is data such as the event ID of the corresponding event using the date when the event was detected and the user ID of the user related to the event as a key, and the type of support determined to be performed for the corresponding user A collection of records consisting of

Further, FIG. 17 shows a data configuration example of the parameter master 138 of this embodiment. The parameter master 138 in the present embodiment is a table in which specified values for each user are stored regarding numerical values, that is, parameters among the conditions defined in the definition column of the event definition master 136 described above.
The data structure is a collection of records consisting of data such as target users and values, with the above parameters (eg, XX) as keys.

  Further, FIG. 18 shows a data configuration example of the event handling risk master 139 of the present embodiment. The event response risk master 139 in the present embodiment is a table in which information on risks associated with the above-described events is accumulated.

The data structure is a collection of records including data such as the risk label and the event ID with a risk ID (common to the risk master 126) uniquely identifying the risk as a key. In the example of FIG. 18, for example, the risk ID “R20112” is a risk relating to the risk label “building lightning”, and the event IDs of events that can cause this are defined as “EV0001” and “EV0002”. There is. According to the event definition master 136, the "EV0001" is a "strike to nearby" event, and the "EV0002" is a "frequent strike to nearby" event. In other words, “R20112” is defined as the risk associated with “lightening strike”.
---User registration and contractor registration concept--

  FIG. 19 is a diagram showing a conceptual example of user registration and contractor registration according to the present embodiment. Here, first, the concept of user registration and contractor registration will be outlined. The contents shown here correspond to the contents to be pre-processed of the contract management support method executed by the contract management support apparatus 100 of the present embodiment.

  In this case, for example, the contractor who has purchased an insurance product operates the user terminal 200 to register information with the contract management support apparatus 100. At this time, the contractor starts an appropriate browser on the user terminal 200, downloads an application distributed by the contract management support device 100 over the network 10, and installs the application on the user terminal 200.

  This application is an application that can be an interface of the contract management support service provided by the contract management support apparatus 100 executing the contract management support method. Therefore, the contractor starts this application on the user terminal 200, and inputs information such as name, gender, date of birth, and address according to the user registration item requested by the application.

  On the other hand, the contract management support apparatus 100 receives the above-mentioned input from the user terminal 200, assigns a user ID to the contractor, and stores a record using the key as a key in the user master 127. Note that the record includes information such as name, gender, date of birth, and address acquired via the above-described application.

Also, as described above, the current user registration target is a contractor of insurance. Therefore, the application displays a question about the attributes of such a user, and specifies whether the registration target is the contractor or the insured person. The contract management support device 100 obtains this specific result from the user terminal 200, generates a record including the contractor ID for the contractor in the contractor master 128 based on the fact that the registration target is the “contractor”. This is associated with the same value registered in the user master 127, and the user ID of the contractor is set. As a result, the contractor ID is associated with the user ID. That is, the contractor is also a user and has both a user ID and a contractor ID.
---Concept of insured person registration---

  FIG. 20 is a diagram showing a conceptual example of insured person registration according to the present embodiment. Subsequently, the concept of insured person registration will be described. Unlike the case described above, when the target of user registration is not the contractor but the insured, the contractor described above is the name, sex, and date of birth of relatives who are the insured in the insurance product contracted by the user. , Address, etc. are input in the application of the user terminal 200 in the same manner as described above. However, in the case of insured person registration, enter the relationship and living conditions with the contractor, and also the marriage history of the applicable insured person.

  The contractor can of course be insured, ie, insured. Therefore, hereinafter, unless otherwise specified, the insured person will be explained on the premise that the contractor may be included.

  The contract management support apparatus 100 stores the information of the above-mentioned insured person accepted from the user terminal 200 in the record newly generated for the insured person by the insured person master 129. In the “Registered Contractor ID” column in the record of the insured person master 129, the contractor ID of the contractor who performed the insured person registration (eg, one obtained by the application at the time of login, the contract Setting the master master 128).

In addition, the contract management support apparatus 100 sets the user ID of the insured person specified by the user master 127 in the “corresponding user ID” column of the above-described records.
---Concept of asset registration---

FIG. 21 is a diagram showing a conceptual example of asset registration according to the present embodiment. Next, the concept of asset registration will be explained. The above-mentioned contractor registers the information with respect to the contract management support apparatus 100 when the insurance target of the insurance product is not a person but an asset.

  In such a case, the contractor operates the user terminal 200, and inputs information on assets insured by the insurance product under contract among the assets of the user according to the inquiry of the above-described application or the like. The information to be input is the type of asset such as a building or a car, the name of an asset such as a specific model name, and its location.

On the other hand, the contract management support apparatus 100 acquires information on such assets from the user terminal 200, assigns an asset ID to each asset, generates a record, and stores this in the asset master 130. At this time, the contractor ID of the contractor described above is read out from the contractor master 128 and set in the “registered contractor ID” column.
--- Flow example 1--

  Hereinafter, the actual procedure of the contract management support method in the present embodiment will be described based on the drawings. Various operations corresponding to the contract management support method described below are realized by a program which the contract management support apparatus 100 reads out to a memory or the like and executes. The program is composed of code for performing various operations described below.

  FIG. 22 is a diagram showing a flow example 1 of the contract management support method in the present embodiment. Here, a flow will be described in which the contract management support apparatus 100 acquires necessary information from the insurance company system 300 regarding the insurance product contracted by the contractor described above and performs predetermined processing.

In this case, the user terminal 200 receives an input of its own name, a contractor ID, and a security item number of an insurance product from the above-described contractor, and notifies the contract management support device 100 of a contract content inquiry request including this. It shall be.
On the other hand, the contract management support apparatus 100 receives the above notification, and transmits to the insurance company system 300 an acquisition request for the content of the contract including the information included in the notification (s1).

In response to the acquisition request, the insurance company system 300 checks the existence of the corresponding security number and the life and death of the contract with a predetermined contract management branch system etc., and the case where the security number does not exist or the contract is terminated. (In other words, there is no valid contract and the content of the contract is not answered), and the contract management support device 100 is notified that the content of the contract can not be answered. On the other hand, as a result of this confirmation, if the security number is present and the contract is still in existence (ie, there is a valid contract and the content of the contract can be answered), the insurance company system 300 receives information on the content of the contract. Are returned to the contract management support device 100.
When the contract management support device 100 receives the notification that the above-mentioned valid contract does not exist, the contract management support device 100 responds to the user terminal 200 that the registration is not possible, and ends the processing.
On the other hand, when the contract management support device 100 obtains contract content information from the insurance company system 300, it stores this in the contract content master 131 (s2), and ends the processing.

  The information of the contract content stored here is a value such as a securities number, an insurance product ID, a contractor ID, an insured ID, an insurance object, a condition, a risk, and a disclosure flag, as shown again in FIG. Will be included.

  When the contract management support device 100 stores such information in the contract content master 131, a certificate such as an insurance object (eg, insured person, spouse, living relatives) or a condition (eg, living relatives 26 years or older) Identify the insured person's ID of the corresponding insured person for the description item, and link and set it.

  In this case, the contract management support device 100 specifies the insured person having at least one of a sequel and / or an attribute compatible with the above-described insurance target and condition, using the insured person master 129. In the example shown in FIG. 23, the relative of the contractor ID “CONT011” corresponds to the “insurable person, spouse, living together, living together, unmarried child” as the “insurance target” in the insurance contract having the securities number “IPNE1001” Can be specified from the insured person master 129 as “FML011” (this is the contractor himself), “FML012”, and “FML013”.

  Similarly, the asset of the contractor ID “CONT011” can be identified as “PRP 003” from the asset master 130, which corresponds to an attribute to be “insurance target” “high-class bonsai” (this is an asset).

  In addition, the contract management support device 100 determines the insured person ID of the insured and the asset ID of the asset identified as described above, in the “insurance target” and “condition” fields in the corresponding record of the contract content master 131. Store it in association with the "Certificate" field.

  The contract management support device 100 sets the value of the risk ID obtained from the insurance product master 125 on the basis of the value of the insurance product ID of the contract content master 131 in the risk column of the contract content master 131. That is, the ID of the risk covered by the coverage of the corresponding insurance product is set.

  In the insured person master 129 generated in this way, the contract management support device 100 can identify the person who is not the insured person who has directly registered the contractor but is a relative of the contractor.

As shown in FIG. 24, the insured persons registered by the contractor "Taro" are only the spouse "Kiku" and the child "Hanako". However, among these, "Hanako" is also the spouse of "Gorow", who is the contractor of other insurance products. There is a child "Taichi" between this "Gorow" and "Hanako", and this "Taichi" corresponds to the "child child" or "grandchild" from the above-mentioned contractor "Taro". The contract management support device 100 performs processing to trace the relationship with the insured person master 129 in this manner, thereby accurately categorizing the relatives having the relationship or attribute of the content defined by the insurance object and condition of the contract content master 131 It is possible to identify
--- Flow examples 2 to 7 ---

  Subsequently, a process of outputting the insurance coverage and its overlap will be described. FIG. 25 is a diagram showing a second flow example of the contract management support method in the present embodiment, and FIG. 26 is a diagram showing a third flow example of contract management support display in the present embodiment.

  In this case, the contract management support apparatus 100, for example, performs screen distribution like screen 2500 (FIG. 25) via the above-mentioned application to the user terminal 200 operated by the contractor, for example. In response to the press, the display request for the compensation status is received (s10). The display request at least includes the user ID input by the contractor at the time of login to the application.

Further, the contract management support apparatus 100 searches the insured person master 129 using the user ID included in the above display request as a key, and specifies the corresponding record, that is, the insured person who is the display candidate (s11). In the example of the insured person master 129 illustrated in FIG. 26, the user ID “USER011” included in the display request is “the principal” in the “sequel”, ie, the contractor, and the value of the “registered contractor ID” is “ It is CONT011 ". Therefore, the contract management support apparatus 100 specifies the corresponding user IDs “USER011”, “USER012”, and “USER002” from the series of records in which the value “CONT011” of the “registered contractor ID” is set, Extract the insured person ID (FML011, FML012, FML013) from the corresponding record.

  Further, the contract management support device 100 searches the insured person master 129 using the value of the corresponding user ID identified here as a key, and identifies a person registered as the insured person in another contractor, The insured person ID is also extracted. In the example of FIG. 26, it is specified that "USER 002" is registered as "CONT 001" as the insured person, and the insured person ID "FML 002" can be extracted.

Further, the contract management support apparatus 100 executes a search in the contract content master 131 (FIG. 27) using the insured person ID extracted by the above-described method as a key, and specifies a record including the insured person ID. In addition, the contract management support device 100 reads each value of at least “object of insurance”, “condition”, and “risk” from the record specified here, and sets the value in a predetermined display screen form. Screen data is generated, distributed to the user terminal 200, and displayed (s12).
An example of a screen 2800 which the contract management support device 100 distributes and displays on the user terminal 200 is shown in FIG.

  As shown here, the contract management support device 100 identifies the insured person and the asset from the insured person master 129 and the asset master 130 based on the value of “object of insurance”, and the design concept of the predetermined screen configuration. Based on (FIG. 33), the insured person's value (example: name) is set in the personal compensation column 2801 of the screen 2800, and the asset value (example: asset name) is set as the asset compensation column 2802 of the screen 2800. Set to

  Further, the contract management support apparatus 100 acquires the value of the risk label from the risk master 126 based on the value of the “risk” column of the contract content master 131, sets this as a predetermined display object, and copes with each. It arranges in the compensation column 2801 of the individual who is or the compensation column 2802 of an asset. The example of FIG. 28 shows a configuration in which the value of the risk label is set and arranged in the rectangular icon as the display object.

  The contract management support device 100, as shown in the concept of screen design in FIG. 33, includes the above-described risk labels specified in the risk master 126 in addition to the rectangular icons set by setting the values of the risk labels. As described above, items that are not specified based on the value of the risk column of the contract content master 131 and all items are also set as rectangular icons and arranged in the same manner.

  However, it is assumed that the display form is set to visually clearly indicate that the rectangular icon arranged in this way is not within the compensation range, such as graying out or making the frame line of the rectangular icon a broken line. The contract management support device 100 does not display the corresponding rectangular icon regarding the risk to be hidden that is specified for the corresponding insured in the display setting master 132, as illustrated in FIG.

  In addition, the contract management support device 100 further displays a display such as a bold line, for example, among the rectangular icons arranged in this way, those derived from a plurality of insurance products, that is, those in which the compensation ranges overlap. It shall differ from the rectangle icon of.

  When the contract management support device 100 acquires a plurality of risk labels from the risk master 126 based on the value of the “risk” column of the contract content master 131 described above, if the same risk label is acquired in a plurality, the compensation regarding the corresponding risk It can be identified that overlapping of ranges has occurred.

In addition, the contract management support device 100 generates an appropriate message (for example, held in advance in the storage device 101) indicating that to the rectangular icon of the risk in which the overlapping of the compensation range occurs in this way, such as an interface. Execute display processing such as setting and attaching.

  Even in the case where overlapping of the compensation range occurs, the meaning may be different. Depending on the type of insurance product, if one contractor purchases another insurance product for the same coverage, the insurance claims may not overlap with the other insurance product. Of course, there are also those that allow duplication of insurance claims.

  Therefore, as shown in FIG. 35, the contract management support device 100 refers to the insurance product master 125 for the insurance product corresponding to the risk that the insurance claim has been duplicated, and extracts the availability information of the duplicate claim there, It is preferable to include it in the above-mentioned message.

  Note that, unlike the above-described example, when the insured person who has made the display request (not the contractor), the processing in the contract management support apparatus 100 and the concept thereof are as shown in FIGS. It will be shown.

  The difference from the case where the subject of the display request is the contractor is that the insured person is set in the “insurance target” column of the contract content master 131 in the individual compensation column 2801 and the disclosure flag is “1 (Ie, the contractor sets the disclosure to the applicable insured person) only the risks in the “risk” column of the record, and in the asset compensation column 2802, the target of the insurance product is the asset A record in which a contractor (for example, a second place and within 3 thirds of a degree) in a predetermined range is set in the “contractor ID” column of the contract content master 131 and the disclosure flag is “1” Is the point to be displayed.

For example, if the user who has made the display request is the insured person of the insured person ID “FML 002”, the contract management support device 100 places this in the “insurance target” column as shown in FIG. It is possible to identify the risks including “R103”, “R104”, “R1300” and so on. In addition, regarding compensation of property, compensation of home and car is to be displayed, and compensation of luxury bonsai of which public flag is “0” is not to be displayed. And as shown in FIG. 32, the rectangular icon which set the value of the risk label corresponding to such a risk will be arrange | positioned on screen 3200, and it will be distributed and displayed on user terminal 200 of insured person "FML002."
--- Flow example 8-13 ---

Subsequently, a process performed in response to obtaining application data from the cooperative application 210 installed in the user terminal 200, that is, in response to an event occurrence trigger will be described. 36 to 41 are diagrams showing flow examples 8 to 13 of the contract management support method in the present embodiment.
Here, it is assumed that application data sensed by the cooperation application 210 is acquired from the user terminal 200 of the user ID “USER011”.

  In this case, the contract management support device 100 refers to the user use application master 134, acquires the application ID, the application user ID, and each value of the application password from the record of the predetermined user ID, and the application data including the values Is transmitted to the user terminal 200 of the user, and the application data 225 is acquired (s20). The contract management support apparatus 100 stores the acquired application data 225 in the application data DB 135.

Subsequently, the contract management support device 100 collates the application data 225 obtained in s20 with the event definition master 136 and specifies the corresponding event (s21). In the case of the example of FIG. 37, the application data 225 indicates, for example, by collating the application data “area: Setagaya ward, precipitation: 50 mm, lightning strike: present” of the application “AP0001” with the event definition master 136 , The record of the event "EV0001" including the value of "area, lightning strike" in the "use data" column is specified. Further, the contract management support device 100 reads the value “area = asset location, lightning strike = present” from the “definition” column of this record.

  The contract management support apparatus 100 also searches the contractor master 128 for the user ID “USER011” of the corresponding application data, and specifies the contractor ID “CONT011”. In addition, the asset master 130 is searched using the contractor ID "CONT011" as a key, and the value of the location of the asset that the contractor considers to be insured is referred to, and this is "area: Setagaya Ward" shown by the application data 225 It is determined whether In this case, the two match.

  Therefore, the contract management support device 100 in the above case specifies the event "EV0001" that meets the "usage data" and the "definition" in the event definition master 136. The contract management support apparatus 100 stores information of the identified event “EV0001” (including the identified user ID, the support type that can be acquired from the corresponding record of the event definition master 136, and the like) in the detection event DB 137.

Subsequently, the contract management support device 100, based on the user ID “USER011” among the information stored in the detection event DB 137, the compensation range and the same as in the above flow examples 2 to 4 (FIGS. 25 to 28). The data of the screen 3800 in which display objects are arranged regarding duplication is configured, distributed to the user terminal 200, and displayed (s22).
In addition, the contract management support apparatus 100 determines whether the value of the support type obtained in s21 is any one of “invoice”, “subscribe”, and “review” (s23).

  As a result of this determination, if the support type is “invoice” (s23: invoicing), the contract management support apparatus 100 determines whether the risk of the corresponding event is within the coverage (corresponding record of the contract content master 131) If the value of the corresponding risk exists in (), and if it is within the compensation range (s 24: Y), a message 3910 (FIG. 39) indicating the possibility of insurance claim is transmitted to the user terminal 200 (s 25), End the process.

  On the other hand, as a result of the above determination, when the support type is “join” (s23: join), the contract management support device 100 determines whether the risk of the corresponding event is within the compensation range (contract content master 131 If the value of the corresponding risk exists in the corresponding record in), or if it is not within the coverage (s26: N), the insurance product whose coverage is the corresponding risk (specified in the insurance product master 125 with the risk ID as the key) The recommendation information 4010 (FIG. 40) is transmitted to the user terminal 200 (s27), and the process ends.

  Also, as a result of the above determination, if the support type is "review" (s23: review), the contract management support device 100 determines whether the risk of the corresponding event is within the compensation range (contract content master 131 If the value of the corresponding risk exists in the corresponding record in (1), and if it is the compensation range (s28: Y), a message 4110 (FIG. 41) is proposed to the user terminal 200 to propose insurance review (s29), End the process.

  The case where the contract management support device 100 can acquire the application data for appropriately detecting the event from the user terminal 200 as described above, that is, the case where the appropriate cooperation application 210 is not installed in the user terminal 200 May also exist.

In order to cope with such a case, the contract management support device 100 refers to the record of the insured person defined in the insured person master 129 as shown in the conceptual example of FIG. The insurer ID is acquired, and the risk ID in the "risk" column of the record in which the corresponding insured is "subject to insurance" in the contract content master 131 is acquired using this as a key. That is, the risk ID of the risk that is in the compensation range is specified.

  Subsequently, the contract management support apparatus 100 executes a search in the event definition master 136 using the above-described risk ID as a key, and extracts the value of the “use data” column in the corresponding event from the record including the risk ID.

  Also, the contract management support device 100 searches the linked application master 133 using the value of the “use data” column extracted here as a key, and the value of the “data type” column is the value of the above “use data” column. Identify the records that match The contract management support device 100 refers to the application ID in this record, and determines whether the application ID is included in the record of the corresponding user in the user use application master 134. As a result of the determination, when the application ID is not included in the record of the corresponding user in the user use application master 134, the contract management support device 100 holds the cooperation application 210 of the application ID by the user terminal 200. It identifies that it does not, and transmits a predetermined message 4200 (FIG. 42) that recommends the use of the corresponding cooperation application 210 to the user terminal 200 of the corresponding user, and ends the processing.

  As another mode, the contract management support device 100 extracts the event ID of the corresponding event from the record including the risk ID specified by the event definition master 136 as described above, and the application including the event ID in the record It may be determined whether data exists in the application data DB 135 regarding the insured person. In that case, if the application data does not exist according to the determination, it is determined that the corresponding cooperation application 210 is not installed in the user terminal 200, and the predetermined message 4200 that recommends the use of the corresponding cooperation application 210 as described above 42) is transmitted to the user terminal 200 of the corresponding user.

  As mentioned above, although the best mode etc. for carrying out the present invention were concretely explained, the present invention is not limited to this, and can be variously changed in the range which does not deviate from the gist.

  According to the present embodiment, it is possible to accurately present the coverage and appropriateness of a plurality of insured relatives as insured persons, and, as a result, it is also possible to appropriately review and propose the insurance.

At least the following matters will be made clear by the description of the present specification. That is, in the contract management support device of the present embodiment, the storage device determines, as the insured person information, first identification information identifying an insured person in each insurance, attribute information, a contractual position, and the insured The relationship between the person and the second identification information that uniquely identifies the insured person across the insurance is linked and stored, and the computing device specifies the information of the contract content of each of the insurances. A process of specifying, based on the insured person information, an insured person obtained from the device and having at least one of a relationship and an attribute that conforms to a policy of insurance coverage and / or insurance conditions in the contract content; A process of associating the first identification information of the identified insured person with the insurance object and the insurance condition in the contract content and holding the same in a storage device, and the insurance coverage by the prescribed insured person An output request is obtained from a predetermined device, and the insured person is linked in the position of a contractor or the insured person by the insured person information based on the second identification information of the insured person indicated by the output request. Specifying the first identification information of the insured person under the insurance, and the insured person having a relationship with the insured person under the insurance linked with the insured person information from the insured person information And identifying the first identification information of the insured person and the first identification information of the insured person and the other insured person with the information of the contract content of the respective insurance, and A process for specifying each insurance whose first identification information is linked to any one of the target and the insurance conditions, and the compensation range indicated by the information of the contract content of each specified insurance are summarized for each insured person targeted for the insurance Information about at least the coverage area and its And it executes a processing for outputting a predetermined unit and may be.

  According to this, the user ID (second identification information) registered in advance for the insured person, and the insured person ID (first identification information) for identifying the insured person for each insurance subject to insurance It becomes possible to utilize suitably and to aim at the efficiency improvement of various processing. As a result, it is possible to efficiently and properly present the coverage and appropriateness of a plurality of insured relatives who are insured, and to efficiently carry out appropriate review proposals regarding the insurance.

  Further, in the contract management support device of the present embodiment, when the computing device generates information on the compensation range and its overlap, the insured object is the display object of the default compensation range defined in advance as the insurance object. Are arranged for each person, and different display modes are set for the coverage range indicated by the information of the contract contents of the specified insurance among the display objects, and the overlap is generated. A different display form may be set to that corresponding to the compensation range, and output to the predetermined device.

  According to this, it is possible to present the insured person etc. in a visually clear form about the excess and deficiency and duplication of the insurance coverage. As a result, it is possible to more accurately indicate the coverage and appropriateness of a plurality of insured relatives who are insured, and, as a result, to make an appropriate review and proposal regarding the insurance.

  Further, in the contract management support device of the present embodiment, when the computing device generates the information on the compensation range and the overlap thereof, the display object corresponding to the compensation range in which the overlap occurs is included in the corresponding insurance. It is also possible to set information on whether to request overlapping or not and to output the information to the predetermined device.

  According to this, it is possible to clearly present to the insured as to whether the overlapping claims can be meaningful overlapping or nonoverlapping non-overlapping and meaningless overlapping, even among the overlapping coverages described above. . As a result, it is possible to more accurately indicate the coverage and appropriateness of a plurality of insured relatives who are insured, and, as a result, to make an appropriate review and proposal regarding the insurance.

  Further, in the contract management support device of the present embodiment, the storage device is obtained from the terminal possessed by the insured person, and is associated with the information of the event occurred in the insured person or its surrounding environment, the event and the event. The information processing apparatus further stores information defining the correspondence relationship with the insurance having a risk as a compensation range, and the arithmetic device indicates contents in which the information of the event matches a predetermined definition defined in advance. In the case where the information on the event is compared with the information defining the correspondence relationship, a process of specifying an insurance whose coverage is the risk associated with the event, and the insured person of the insurance specified by the insured person If the insured person is the insured person of the specified insurance as a result of the determination, the information for proposing the execution of the insurance claim is output to a predetermined device, and Judgment As a result, when the insured person is not the insured person of the specified insurance, information for proposing participation in the relevant insurance is output to a predetermined device, and as a result of the determination, the insured specified insurance And the process of outputting, to a predetermined device, information proposing a review of the contract contents of the insurance when the information of the event satisfies the predetermined condition defined in advance. It may be

  According to this, it is possible to make an accurate proposal regarding the insurance contract according to the risk in accordance with various events that have occurred for the insured person. As a result, it is possible to accurately present the coverage and appropriateness of a plurality of insured relatives who are insured, and, as a result, it is also possible to make an appropriate review and proposal regarding the insurance.

In addition, in the contract management support device of the present embodiment, the arithmetic device generates an event corresponding to the insurance coverage linked to the insured person among the insured persons defined by the insured person information. Identify the person who does not hold information of the specified event specified in the correspondence information and the information of the specified event is not stored in the storage device or who does not hold the application for acquiring the information of the event in the terminal by a predetermined algorithm It is also possible to further execute a process of outputting information on the use proposal of the application to the terminal of the insured person.

  According to this, it is possible to ensure the appropriate compensation range according to the characteristics of each insured person, the environment, etc. and avoid the risk thereby accurately and promptly. As a result, it is possible to more accurately and quickly indicate the coverage and appropriateness of the insured relatives of a plurality of insurances, and it is possible to make a more appropriate review and proposal regarding the insurance.

Further, in the contract management support method of the present embodiment, in the storage device, the information processing apparatus determines, as the insured person information, first identification information identifying an insured person in each insurance, attribute information, and a contract. , The relationship between insured persons, and the second identification information uniquely identifying the insured person across the insurance, and stored, and the information of the contract content of each of the insurances from the predetermined device Specifying the insured person having at least one of a succession and an attribute that conforms to the insurance target and / or the policy terms and conditions in the contract content based on the insured person information; Processing for associating the first identification information of the insured person with the insurance object and the insurance condition in the contract content and storing the same in the storage device, and output of the insurance coverage by the predetermined insured person A request is obtained from a predetermined device, and the insured is linked by the insured person information in the position of the contractor or the insured person based on the second identification information of the insured indicated by the output request The first identification information of the insured person in the insurance is specified, and the insured person has a relationship with the insured person in the insurance linked with the insured person information as the contractor in the insured person information The process of identifying the first identification information of the insured person, and the first identification information of the insured person and the other insured person are collated with the information of the contract content of each insurance, and the insurance object in the contract content is And processing for specifying each insurance whose first identification information is linked to any of the insurance conditions, and the coverage indicated by the information of the contract contents of each specified insurance are summarized for each insured person subject to the insurance Generate information about at least the compensation range and its overlap And outputting to a constant unit, may be executed.

  Further, in the contract management support method of the present embodiment, when the information processing apparatus generates information on the compensation range and its overlap, the display object of the default compensation range defined in advance is the insurance target. While arranging for each insurer, different display forms are set for the coverage range indicated by the information of the contract contents of each of the specified insurances among the display objects, and the duplication is caused, and the duplication occurs. Different display forms may be set to those corresponding to certain compensation ranges and output to the predetermined device.

  Further, in the contract management support method of the present embodiment, when the information processing apparatus generates information on the compensation range and the overlap thereof, the corresponding insurance is applied to the display object corresponding to the compensation range in which the overlap occurs. It is also possible to set information on whether or not double billing can be performed in and output to the predetermined device.

Further, in the contract management support method of the present embodiment, the information processing apparatus obtains, from the storage device, information on an event generated in the insured person or the surrounding environment, obtained from a terminal possessed by the insured person. And further storing information defining the correspondence relationship between the event and the insurance associated with the risk associated with the event as the compensation range, and the information of the event indicates a content that matches the predetermined definition defined in advance. A process of identifying the insurance whose coverage is the risk associated with the event by collating the information of the event with the information defining the correspondence, and whether the insured person is the insured person of the specified insurance If it is judged by the said insured person information and as a result of the said judgment that the said insured person is the insured person of the said specified insurance, the information which proposes execution of an insurance claim is output to a predetermined device, and the said judgment As a result, when the insured person is not the insured person of the specified insurance, information for proposing participation in the insurance is output to a predetermined device, and as a result of the determination, the insured specified insurance And the process of outputting information proposing a review of the contents of the contract of the insurance to a predetermined device, when the information of the event satisfies the predetermined condition defined in advance. It is also good.

  Further, in the contract management support method of the present embodiment, an event in which the information processing apparatus corresponds to the insurance coverage associated with the insured person among the insured persons defined by the insured person information. A person who does not hold information of the specified event in the storage device or a person who does not hold the application for acquiring the information of the event in the terminal by a predetermined algorithm A process of specifying and outputting information on the use proposal of the application to the terminal of the insured may be further executed.

10 Network 100 Contract Management Support Device 101 Storage Device 102 Program 103 Memory 104 Computing Device 105 Communication Device 125 Insurance Product Master 126 Risk Master 127 User Master 128 Contractor Master 129 Insured Person Master 130 Asset Master 131 Contract Content Master 132 Display Setting Master 133 Linked Application Master 134 User Used Application Master 135 Application Data DB
136 Event definition master 137 Detection event DB
138 Parameter Master 139 Event Response Risk Master 200 User Terminal 201 Storage Device 202 Program 203 Memory 204 Arithmetic Device 205 Input Device 206 Output Device 207 Communication Device 208 GPS Unit 209 Gyro Unit 210 Cooperation Application 225 Application Data 225
300 insurance company system

Claims (12)

A storage device storing insured person information in which identification information identifying an insured person in each insurance, attribute information, a position on a contract, and a relationship between insured persons are linked;
The insured person having information of contract content of each of the insurances from a predetermined device and having at least one of a sequel and an attribute that conforms to the declarable item of the insurance target and / or the insurance condition in the contract content is the insured person A process of specifying based on insurer information, a process of associating identification information of the specified insured person with the insurance object and the insurance condition in the contract content, and holding the same in a storage device; An output request for insurance coverage is obtained from a predetermined device, and based on the insured person's identification information indicated by the output request, the insured person is in the position of the contractor or the insured person in the insured person information. A process of identifying a linked insurance and identifying another insured having a relationship with the insured by the insured linked by the insured person information as the contractor When, The identification information of the insured person and the other insured person is collated with the information of the contract content of each of the insurances, and each of the insurances in which the identification information is linked to any of the insurance object and the insurance conditions in the contract content. Process of identifying the insurance coverage and the coverage indicated by the information of the contract contents of each of the identified insurance for each insured subject to the insurance, generate information about at least the coverage and its duplication, and output it to a predetermined device An arithmetic unit for performing the processing;
A contract management support device characterized by including. The storage device is
As the insured person information, first identification information for identifying the insured person in each insurance, attribute information, a position on a contract, a relationship between the insured persons, and the insured person across the insurance. In association with the second identification information identified in
The arithmetic device is
The insured person having information of contract content of each of the insurances from a predetermined device and having at least one of a sequel and an attribute that conforms to the declarable item of the insurance target and / or the insurance condition in the contract content is the insured person A process of specifying based on the insurer information, a process of associating the first identification information of the specified insured person with the insurance object and the insurance condition in the contract content, and storing the same in the storage device; The output request of the insurance coverage by the person is obtained from the predetermined device, and the insured is the contractor or the insured in the insured information based on the second identification information of the insured indicated by the output request. Identifying the first identification information of the insured in the insurance linked in the position of the employer, the insurance covered by the insured in the insured's information by the insurance linked in the contractor's position Insurer and relationship Processing for specifying the first identification information of the other insured persons, and the first identification information of the insured person and the other insured person are collated with the information of the contract contents of the respective insurance, and A process for identifying each insurance whose first identification information is linked to one of the insurance target and the insurance condition, and an insured person for which the insurance coverage is indicated by the information of the contract contents of each of the identified insurance Processing to generate information on at least the compensation range and its overlap and output it to a predetermined device,
The contract management support device according to claim 1, characterized in that: The arithmetic device is
When generating information on the compensation range and its overlap, a display object for each default compensation range defined in advance is arranged for each insured person to be insured, and the display objects among the display objects are specified Different display forms are set for the compensation range indicated by the information of the contract contents of each insurance and the other ones, and further different display forms are set for those corresponding to the compensation range where the duplication occurs, Output to a predetermined device,
The contract management support device according to claim 2, characterized in that: The arithmetic device is
In generating information about the compensation range and the duplication thereof, information regarding the availability of the duplicate claim in the corresponding insurance is set regarding the display object corresponding to the compensation range where the duplication occurs, and is output to the predetermined device Is
The contract management support device according to claim 3, characterized in that: The storage device is
Information of an event generated in the insured person or its surroundings obtained from a terminal owned by the insured person, and information defining a correspondence relationship between the event and an insurance whose coverage is the risk associated with the event. To store more,
The arithmetic device is
If the information on the event indicates content that conforms to a predetermined predetermined definition, the information on the event is collated with the information on which the correspondence is defined, and the insurance associated with the risk associated with the event as the compensation range And determining whether the insured person is the insured person of the specified insurance based on the insured person information and, as a result of the determination, the insured person of the identified insurance person If it is, the information proposing the execution of the insurance claim is output to the predetermined device, and as a result of the determination, if the insured person is not the insured person of the specified insurance, proposing the participation in the insurance Information is output to a predetermined device, and as a result of the determination, when the insured person is the insured person of the specified insurance and the information of the event satisfies the predetermined predetermined condition, Review the contents of the contract And outputting the information to plan the predetermined device, in which a further execution,
The contract management support device according to claim 1, characterized in that: The arithmetic device is
Among the insured persons defined in the insured person information, an event corresponding to the insurance coverage linked to the insured person is identified by the correspondence information, and the information of the identified event is stored. A person who is not held in the device or a person who does not hold the application for acquiring the information of the event in the terminal is specified by a predetermined algorithm, and the use of the application is proposed to the terminal of the insured person. Further processing of outputting information;
The contract management support device according to claim 5, characterized in that: An information processing apparatus including a storage device storing insured person information in which identification information identifying an insured person in each insurance, attribute information, a position on a contract, and a relationship between insured persons are linked,
The insured person having information of contract content of each of the insurances from a predetermined device and having at least one of a sequel and an attribute that conforms to the declarable item of the insurance target and / or the insurance condition in the contract content is the insured person A process of identifying based on insurer information;
A process of associating identification information of the specified insured person with the insurance object and the insurance condition in the contract content and holding the information in a storage device;
A request for output of insurance coverage by a predetermined insured person is obtained from a predetermined device, and the insured person is a contractor or the insured person information based on the identification information of the insured person indicated by the output request. Identify the insurance linked in the position of the insured person, and the insured person in the insured person information is the other insured person in relation to the insured person in the insurance tied in the position of the contractor The process of identifying the insurer,
The identification information of the insured person and the other insured person is collated with the information of the contract content of each of the insurances, and each insurance in which the identification information is linked to any of the insurance object and the insurance conditions in the contract content And the process of identifying
Processing for aggregating, for each insured person who is the insurance target, the compensation range indicated by the information of the content of each of the specified insurance, generating information about at least the compensation range and its duplication, and outputting the information to a predetermined device;
A contract management support method characterized by performing. The information processing apparatus
In the storage device, as the insured person information, first identification information identifying an insured person in each insurance, attribute information, a position on a contract, a relationship between the insured persons, and an insurance Store in association with second identification information uniquely identifying the insured person,
The insured person having information of contract content of each of the insurances from a predetermined device and having at least one of a sequel and an attribute that conforms to the declarable item of the insurance target and / or the insurance condition in the contract content is the insured person A process of identifying based on insurer information;
A process of associating the first identification information of the identified insured person with the insurance object and the insurance condition in the contract content and storing the first identification information in a storage device;
The output request for insurance coverage by a predetermined insured person is obtained from the predetermined device, and the insured person contracts with the insured person information based on the second identification information of the insured person indicated by the output request. Identify the first identification information of the insured person in the insurance linked in the position of the insured person or the insured person, and the insurance in which the insured person is linked in the contract person's position in the insured person information A process of identifying first identification information of another insured having a relationship with the insured at;
The first identification information of the insured person and the other insured person is collated with the information of the contract content of each of the insurances, and the first identification information is associated with either the insurance object or the insurance condition in the contract content. Processing to identify each insurance
Processing for aggregating, for each insured person who is the insurance target, the compensation range indicated by the information of the content of each of the specified insurance, generating information about at least the compensation range and its duplication, and outputting the information to a predetermined device;
The contract management support method according to claim 7, characterized in that: The information processing apparatus
When generating information on the compensation range and its overlap, a display object for each default compensation range defined in advance is arranged for each insured person to be insured, and the display objects among the display objects are specified Different display forms are set for the compensation range indicated by the information of the contract contents of each insurance and the other ones, and further different display forms are set for those corresponding to the compensation range where the duplication occurs, Output to a predetermined device
The contract management support method according to claim 8, characterized in that: The information processing apparatus
When generating information on the compensation range and its overlap, information regarding the possibility of overlapping claims in the corresponding insurance is set for a display object corresponding to the compensation range in which the overlap occurs, and is output to the predetermined device.
The contract management support method according to claim 9, characterized in that: The information processing apparatus
In the storage device, a correspondence relationship between information of an event generated in the insured person or its surrounding environment obtained from a terminal possessed by the insured person, and an insurance that covers the event and the risk accompanying the event as a compensation range Further store the defined information,
If the information on the event indicates content that conforms to a predetermined predetermined definition, the information on the event is collated with the information on which the correspondence is defined, and the insurance associated with the risk associated with the event as the compensation range And the process of identifying
If the insured person is determined to be the insured person of the specified insurance based on the insured person information and, as a result of the determination, the insured person is the insured person of the specified insurance, the insurance claim Outputting information proposing the execution of the information to the predetermined device, and as a result of the determination, if the insured person is not the insured person of the specified insurance, the information proposing the subscription to the insurance is output to the predetermined device If, as a result of the determination, the insured person is the insured person of the specified insurance, and the information of the event satisfies the predetermined conditions, it is proposed that the insurance contract content be reviewed. Processing for outputting the information to the predetermined device;
The contract management support method according to claim 7, further comprising: The information processing apparatus
Among the insured persons defined in the insured person information, an event corresponding to the insurance coverage linked to the insured person is identified by the correspondence information, and the information of the identified event is stored. A person who is not held in the device or a person who does not hold the application for acquiring the information of the event in the terminal is specified by a predetermined algorithm, and the use of the application is proposed to the terminal of the insured person. Further execute processing to output information,
The contract management support method according to claim 11, characterized in that:

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