JP2020035491A - Application reception server - Google Patents

Abstract

To provide a device which can be easily used by a user, and moreover, can perform personal identification with high reliability.SOLUTION: Application content display means 8 transmits a received application content to a terminal device 2 to display the application content in the terminal device 2. An applicant operating the terminal device 2 confirms the application content by the display. Further, by an operation of the applicant, a mail address of the applicant is transmitted from the terminal device 2 to a server device 4. Confirmation mail transmission means 12 transmits e-mail including a link to a page for personal authentication to the mail address of the applicant. The applicant accesses the page for the personal authentication from the received e-mail, and inputs the date of birth in the page for the personal authentication. Personal identification means 16 performs the personal identification depending upon whether the date of birth included in the application content coincides with the date of birth received as authentication information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to identity verification in purchasing a product or applying for a subscription, and to name identification of a contractor between different products.

  When making purchases and contracts on the website, there are many ingenuity to confirm the identity of the person because it is not a face-to-face application. For example, in Patent Literature 1, when there is a request for remittance, an e-mail is sent to the person, and if the person enters and matches the password registered as that of the bank account, it is determined that the request is certainly from the person. A system is disclosed.

  In addition, when subscribing to insurance or the like, a database of contract contents is constructed for each product. For this reason, contractors between different products may be recognized as different persons despite being the same person, or may be recognized as the same person despite being different persons. In order to solve such a problem, a subscriber is identified in a database of subscription contents. That is, it is determined whether or not the user is the same person based on the name, gender, address, etc., so that the subscriber can be correctly grasped.

  For example, Patent Literature 2 discloses an apparatus that performs a name identification by attaching a customer number based on a customer name, gender, and date of birth.

  In the case of group insurance, the insurance company and the business place a contract, not the employees. Therefore, the term “subscription” is used in the above description. However, in the following description, the terms contract and subscription are not clearly distinguished from each other, and the term contract is described as including the concept of subscription or subscription.

JP 2005-215889 A JP-A-2002-63363

  However, in the technique of Patent Document 1, it is assumed that the user has a bank account, and the user must remember the password. For this reason, there is a problem that if the user forgets the password, the function does not work well.

  Further, in a technique such as Patent Literature 2, name identification is performed based on a customer name, gender, and date of birth. Therefore, when a huge number of policyholders can exist as in the case of group insurance, the name identification processing is performed. There was a problem that it took time.

  SUMMARY OF THE INVENTION An object of the present invention is to solve at least one of the above-mentioned problems, and an object of the present invention is to provide a device which is easy to use for a user and which can perform a highly reliable identity verification. It is another object of the present invention to provide an apparatus that can efficiently perform a name identification process.

  Some independent features of the invention are listed below.

(1) (2) The application receiving server device according to the present invention includes an application content receiving means for receiving at least an application content including a date of birth, and an application content display for displaying the received application content for confirmation on a terminal device. Means, confirmation receiving means for receiving a confirmation input of confirming the application content displayed on the terminal device, e-mail address receiving means for receiving an e-mail address of the applicant, and after receiving the confirmation input by the confirmation receiving means, A confirmation e-mail transmitting unit that transmits an e-mail including a link to an authentication information confirmation page to the e-mail address of the applicant, and an input field for inputting at least a date of birth as authentication information based on the link. An authentication information receiving unit that displays an authentication information confirmation page on the terminal device and receives a date of birth as the authentication information; Birth accepted as is, and a personal identification means for performing personal identification on whether matches the date of birth accepted by the application contents acceptance unit.

  Therefore, it is convenient for the user to confirm the identity, and the identity can be surely confirmed.

(3) In the application receiving server device according to the present invention, the confirmation mail transmitting unit transmits the confirmation mail including the authentication code as the authentication information in the confirmation mail, and the authentication information receiving unit transmits the authentication information to the authentication information confirmation input column as the authentication information. An input field for inputting an authentication code is displayed, the authentication code as the authentication information is received, and the authentication code received as the authentication information by the identity verification unit in addition to the matching of the date of birth is the authentication code. It is characterized in that personal identification is performed based on whether or not it matches the authentication code transmitted in the mail.

  Therefore, the accuracy of the personal identification can be further improved.

(4) The application receiving server device according to the present invention is characterized in that the application content is an application for life insurance or non-life insurance, and the date of birth is an important element of the insurance.

  Therefore, the identity verification based on the date of birth can be performed more accurately.

(5) (6) The application receiving server device according to the present invention comprises: i) member data including at least a member identification code for identifying a member in the organization; and ii) a member identification code for identifying a member in the organization. And contract information relating to a contractor of the first product including at least the member information and iii) the contractor of the second product including at least the member identification code and the member information. Access means for accessing second contract content data indicating the content of the contract, authentication means for performing authentication by receiving an access request accompanied by a member identification code or information associated therewith from a terminal device;
The first contract content data and the second contract content data are referred to based on the member identification code, and if the member has contracted the first product or the second product, the contract content data is acquired. A contract content data acquisition unit, a contract content display unit for displaying the acquired contract content of the first product and a contract product of the second product on the terminal device with respect to the member, and a first contract content display screen. When member information included in the contract content of the second product is different from the contract information of the second product, a correction accepting means for displaying at least a correction input column for correcting the member information on the terminal device; Correction means for directly or indirectly correcting the first contract content data or the second contract content data based on the corrected input.

  Therefore, the first contract content data and the second contract content data are not directly compared with each other to perform name identification, but rather are performed through member data, so that more accurate name identification can be realized.

(7) (8) The contract content management server device according to the present invention includes: i) member data including at least a member identification code for identifying a member in the organization; and ii) member identification for identifying a member in the organization. Signs, member information, relationship information indicating whether the contractor is the member himself or his family, at least member information of the member who is the contractor and personal information of the family who is the contractor First contract content data indicating the contract content of the contractor of the first product, iii) a member identification code for specifying a member in the organization, member information, and whether the contractor is the member or a family member. Second contract content data indicating contract content relating to the contractor of the second product, including at least relationship information indicating whether there is a member, member information of the member being the contractor, and personal information of the family being the contractor. Access means and terminal An authentication means for receiving an access request accompanied by a member identification code or information associated with the member identification code from the device, and a first contract content data and a second contract content data based on the member identification code. With reference to the contract member data acquisition means for acquiring the contract data if the member and the family of the member have contracted the first product and the second product, A contract content display means for displaying the acquired contract content of the first product and the contract content of the second product on the terminal device; and, on the contract content display screen, one member per member due to the nature of members and relationships If the contract information of the first product and the contract information of the second product differ from each other in the contract in which only the corresponding family is the contractor, the terminal device may Also, a correction accepting unit that displays a correction input field for correcting the member information or personal information of the family member, and a contract content display screen, multiple members correspond to members due to the nature of members and relationships For a contract in which a family member who is likely to do is a contractor, at least the name and the date of birth are all displayed as the same person, and any one of these is displayed as a different family member, and at least on the terminal device Correction receiving means for displaying a correction input field for correcting the personal information of the family, and, based on the received correction input, the first contract content data or the second contract content data is directly or Correction means for performing indirect correction.

  Therefore, an appropriate name identification process can be performed according to the relationship with the person.

(9) The contract content management server device according to the present invention is characterized in that the contract content display means further displays, on the terminal device, a screen for applying for a contract for a product for which the member or family member has not yet made a contract. And

  Therefore, a new application can be made.

(10) The contract content management server device according to the present invention includes all items of both data necessary for processing, separately from the first contract content data and the second contract content data, and further includes a contractor of the first product. And integrated contract content data having an item indicating that the contractor of the second product is the same as that of the second product, and the correcting means corrects the integrated contract content data.

  Therefore, the processing can be easily performed by referring to the integrated contract content data.

(11) The contract content management server device according to the present invention is characterized in that, due to the nature of the relationship, only one member corresponding to a member includes at least a spouse.

  Therefore, the spouse can be quickly identified.

(12) The contract content management server device according to the present invention is characterized in that, due to the nature of the relationship, a family in which a plurality of members may correspond to members includes at least a child.

  Therefore, it is possible to quickly perform name identification for children.

(13) The contract content management server device according to the present invention is characterized in that the product is life insurance or non-life insurance.

  Therefore, it is possible to perform name identification on applications and changes for life insurance and non-life insurance.

  In the embodiment, the “application content receiving means” corresponds to the step of receiving the application content corresponding to step S3.

  In the embodiment, “application content display means” corresponds to step S22. Here, the "display means" is a concept including not only means for controlling a display of a terminal device to directly display data but also means for transmitting data for display to the terminal device.

  In the embodiment, the “confirmation receiving unit” corresponds to the step of receiving a confirmation corresponding to step S5.

  In the embodiment, the step of receiving the mail address corresponds to step S3 or step S60.

  In the embodiment, “confirmation mail transmitting unit” corresponds to step S23 or step S113.

  In the embodiment, the “authentication information accepting unit” corresponds to the step of receiving the authentication information corresponding to step S8 or step S63.

  In the embodiment, “identification means” corresponds to step S25 or step S115.

  “Access means” refers to means for accessing at least the member data, the first contract content data, and the second contract content data in the embodiment, and steps S102, S103, S104, S105, and the like correspond thereto. . Here, part or all of the member data, the first contract content data, and the second contract content data are recorded in a recording unit (such as a hard disk) of the contract content management server device if the access means can access the data. Or may be recorded on another device.

  In the embodiment, “authentication unit” corresponds to step S101.

  In the embodiment, “contract content data acquiring means” corresponds to steps S102 to S105.

  In the embodiment, "contract content display means" corresponds to step S107.

  In the embodiment, “correction accepting unit” corresponds to step S107.

  In the embodiment, the “correction unit” corresponds to step S108.

  The “program” is a concept that includes not only programs that can be directly executed by the CPU, but also source-format programs, compressed programs, encrypted programs, and the like.

It is a functional block diagram of application reception server device 4 by one embodiment of the present invention. This is a hardware configuration of the application receiving server device 4. 6 is a flowchart of an application reception server program 46. 6 is a flowchart of an application reception server program 46. It is an example of an application screen. It is an example of an application content confirmation screen. This is an example of an identification mail. It is an example of an authentication information confirmation page. It is a functional block diagram of contract contents management server device 5 by other embodiments. It is a hardware configuration of a contract content management server device 5. 5 is a flowchart of a contract content management server program 48. 5 is a flowchart of a contract content management server program 48. It is an example of comprehensive security contract data. It is an example of the corrected comprehensive security contract data. It is an example of medical security contract data. It is an example of employee data. It is an example of integrated contract data. It is an example of a contractor confirmation screen. It is an example of a changed or new application screen. 5 is a flowchart of a contract content management server program 48. 5 is a flowchart of a contract content management server program 48. It is an example of a mail address input screen.

1. First embodiment
1.1 Overall Configuration of Application Receiving Server Device FIG. 1 shows a functional block diagram of an application receiving server device 4 according to an embodiment of the present invention. The application content receiving means 6 receives an application from the terminal device 2. This application should include at least the date of birth of the applicant. It is particularly preferable to apply to products in which the date of birth of the applicant is an important notice, such as life insurance.

  The application content display means 8 transmits the received application content to the terminal device 2 and displays it on the terminal device 2. The applicant who operates the terminal device 2 confirms the application content by this display. Further, the mail address of the applicant is transmitted from the terminal device 2 to the server device 4 by the operation of the applicant. The mail address receiving means 10 receives this.

  The confirmation e-mail transmitting unit 12 transmits an e-mail including a link to a page for personal authentication to the e-mail address of the applicant. The applicant operating the terminal device 2 accesses a page for personal authentication from the received mail. The page for personal authentication has a column for inputting the date of birth. Therefore, the applicant enters the date of birth in this.

  The authentication information receiving means 14 receives a date of birth as authentication information. The personal identification means 16 performs personal identification based on whether the date of birth included in the application content matches the date of birth received as the authentication information.

In such identity verification, the applicant is unlikely to forget his / her date of birth, so that the convenience for the applicant is high. In addition, if the date of birth is an important element of the contract, such as in life insurance, it is unlikely that the applicant will deceive this. Making a different announcement would be detrimental to the applicant. Therefore, it is possible for a person who wants to perform an identity check to make an accurate check.

1.2 Hardware Configuration of Application Receiving Server Device FIG. 2 shows a hardware configuration of the application receiving server device 4. A memory 32, a display 34, a hard disk 36, a DVD-ROM drive 38, and a communication circuit 40 are connected to the CPU 30. The communication circuit 40 is for connecting to a network such as a LAN or the Internet.

  An operating system 44 and an application receiving server program 46 are recorded on the hard disk 36. The application receiving server program 46 exhibits its function in cooperation with the operating system 44. These programs are those recorded on the DVD-ROM 42 and installed on the hard disk 36 via the DVD-ROM drive 38. Of course, it may be downloaded and installed via the Internet or the like.

The same applies to the hardware configuration of the terminal device 2. However, a browser program is recorded on the hard disk 36 instead of the application receiving server program 46. Also, input devices such as a keyboard and a mouse are connected.

1.3 Processing of Application Receiving Server Program FIG. 3 shows a flowchart of the application receiving server program 46. A user who makes an application operates the terminal device 2 to access the server device 4 and transmits a request for an application screen. That is, the CPU of the terminal device 2 (hereinafter, sometimes abbreviated as the terminal device 2) transmits an application screen request to the server device 4 (step S1). In response to this, the CPU 30 of the server device 4 (hereinafter, sometimes abbreviated as the server device 4) transmits an application screen request to the terminal device 2 (Step S21).

  The terminal device 2 displays this on a display (step S2). FIG. 5 shows an example of the application screen. In this embodiment, a screen for applying for life insurance has been described as an example. Input fields for name, address, date of birth, e-mail address, etc. are provided. Here, the date of birth is an important and indispensable input item that affects the calculation of insurance premiums and the like.

  The applicant operates the terminal device and inputs these input items. When the transmission button (not shown) is clicked after the input, the terminal device transmits the input content to the server device 4 (step S3). The server device 4 receives the application content and transmits an application content confirmation screen to the terminal device 2 (step S22). The terminal device 2 displays this. FIG. 6 shows an example of the application content confirmation screen.

  The user operating the terminal device 2 checks the application content on the application content confirmation screen, and clicks the confirmation button 50. Thereby, the terminal device 2 transmits the content confirmation to the server device 4 (Step S5).

  Upon receiving the content confirmation, the server device 4 sends an e-mail for identity verification to the e-mail address described in the application contents (step S23). The user who operates the terminal device 2 receives this mail using mail software. FIG. 7 shows an example of the identification mail.

  When the link 52 included in the personal identification mail is clicked, a request to browse the linked page (here, the authentication information confirmation page) is transmitted from the terminal device 2 to the server device 4 (step S6). . In this link 52, a parameter for identifying the applicant is embedded. Therefore, the server device 4 that has received the browsing request can specify which application is the identity verification.

  Upon receiving the browsing request, the server device 4 transmits an authentication information confirmation page (Step S24). The terminal device 2 displays this. FIG. 8 shows an example of the authentication information confirmation page.

  An input field 54 for inputting a date of birth is provided. The user inputs the date of birth in the input field 54 and clicks the send button 56. Thereby, the date of birth as authentication information is transmitted from the terminal device 2 to the server device 4 (step S8).

  The server device 4 confirms the identity of the user based on whether the received date of birth matches the date of birth acquired at the time of receiving the application content (step S22) (step S25). If they match, it is determined that the person is the person, and the contents of the application are determined and recorded. If they do not match, the fact is transmitted to the terminal device 2 and the process is terminated.

Identification can be performed as described above.

1.4 Other
(1) In the above embodiment, a parameter for confirming which application is applied is embedded in the link 52 of the personal identification mail. However, an identification code for specifying which application has been applied may be displayed in the mail text. In this case, the user is required to input the authentication code together with the date of birth on the authentication confirmation page in FIG.

(2) In the above embodiment, the personal identification mail is received by the terminal device 2 which has applied. However, it may be received by another terminal device such as a smartphone.

(3) The above modification can be applied to the second embodiment as long as it is not against its essence.

2. Second embodiment
2.1 Overall Configuration of Contract Content Management Server Device FIG. 9 is a functional block diagram of the contract content management server device according to one embodiment of the present invention. The member data 26 includes a member identification code for specifying a member in the organization and member information. The first contract content data is data indicating a contract content including a member identification code of a contractor of the first product. The second contract content data is data indicating a contract content including a member identification code of a contractor of the second product.

  The authentication means 20 receives an access request with a member identification code from the terminal device 2. The authentication unit 20 performs authentication by referring to the member data 26 by the access unit 25. The contract content data acquiring means 21 acquires the first contract content data and the second contract content data via the access means 25 based on the member identification code.

  The contract content display unit 22 transmits the first contract content and the second contract content acquired for the member to the terminal device 2 to display them. When the member information is different between the first contract content and the second contract content even though the member identification code is the same, the correction accepting means 23 sets a correction input column for correcting the same in the terminal device 2. To be displayed.

The correction unit 24 corrects the first contract content data or the second contract content data via the access unit 25 based on the correction input received in the correction input column.

2.2 Hardware Configuration of Contract Content Management Server Device FIG. 10 shows a hardware configuration of the contract content management server device 5. A memory 32, a display 34, a hard disk 36, a DVD-ROM drive 38, and a communication circuit 40 are connected to the CPU 30. The communication circuit 40 is for connecting to a network such as a LAN or the Internet.

  On the hard disk 36, an operating system 44 and a contract content management server program 48 are recorded. The contract content management server program 48 exhibits its function in cooperation with the operating system 44. These programs are those recorded on the DVD-ROM 42 and installed on the hard disk 36 via the DVD-ROM drive 38. Of course, it may be downloaded and installed via the Internet or the like.

The same applies to the hardware configuration of the terminal device 2. However, a browser program is recorded on the hard disk 36 instead of the contract content management server program 48. Also, input devices such as a keyboard and a mouse are connected.

2.3 Processing of Contract Content Management Server Program In this embodiment, a case will be described in which the company has insurance for comprehensive security and medical security as a group, and the employee and his or her family can subscribe to their respective insurances.

  Prior to the introduction of the system according to the present embodiment, the employee and his / her family separately apply for the comprehensive security and the medical security in writing or on the web. In the case of a document, the written contents of the application are entered into a database by a person in charge of the company's labor. In the case of a web, the input contract data is recorded in a database. Therefore, the contract data of the comprehensive security and the contract data of the medical security are separately generated. FIG. 13A shows an example of contract data of comprehensive security. FIG. 14 shows an example of medical security contract data.

  When applying for comprehensive security or applying for medical security, in addition to the employee number, the name, gender, date of birth, etc. are required independently of each other. Therefore, inconsistency may occur between the principal's contractor information (name and the like) in the comprehensive security contract data and the principal's contractor information (name and the like) in the medical security contract data.

  In addition, employees' families can apply for their own insurance. Since it is presumed that the family is the family of the employee, the employee number of the employee who is the principal is required at the time of application. Furthermore, as in the case of the person himself, the name, gender, date of birth, relationship, etc. are required for the application, and these will be entered for comprehensive security and medical security, respectively. For this reason, there may be a mismatch between family contractor information (name and the like) in the comprehensive security contract data and family contractor information (name and the like) in the medical security contract data.

  In the data examples of FIG. 13A and FIG. 14, the maiden name of Hanako Life Insurance is registered in the comprehensive security contract data. Also, the date of birth of his child, Ichiro Ichibo, is inconsistent between the comprehensive security and medical security.

  The contract content management server device according to this embodiment prompts the user to correct the data in which the inconsistency has occurred as described above, and further enables simultaneous addition and correction of both the comprehensive security and the medical security, thereby providing a new service. This is to prevent inconsistency.

  The contract content management server program 48 performs the name identification of the person and spouse as pre-processing for the contract data of the comprehensive security and the medical security. Specifically, information such as the name and birth date of the person described in the general security contract data and the name and birth date in the employee data corresponding to the employee number described in the contract data To determine if there is a mismatch.

  The employee data is a so-called employee ledger owned by the company, and is as shown in FIG. Both the person and his family are linked to the employee number. If there is a mismatch, the contract data is matched with the employee data for the mismatch of the person's name and date of birth. Do this for all individuals. For example, in the data of FIG. 13A, the items of the name Kana and the name Kanji are inconsistent with the employee data of FIG. This is because the surname when the individual enrolled in the comprehensive security is the maiden name, and the surname when enrolled in the medical security is after marriage. Therefore, the contract content management server program 48 corrects the data of the principal in the contract data of the comprehensive security as shown in FIG. 13B. For other employees, if there is any inconsistency with the employee data, correction is made.

  Furthermore, with regard to the medical insurance contract data, if there is a mismatch, the personal information is corrected with reference to the tutor data. In this way, the contract data of the comprehensive security and the medical security can be identified through the employee data.

  For the spouse's name, date of birth, etc., name identification is performed via employee data in the same manner as described above.

  The following processing is performed using the comprehensive security and medical security contract data modified as described above. 11 and 12 show flowcharts of the contract content management server program 48. Employees and their families who want to apply for or change the contract log in to the contract content management server device 5 from the terminal device. At the time of login, a predetermined user ID and password are transmitted. Note that an employee number may be used instead of the user ID. The CPU of the terminal device (hereinafter sometimes abbreviated as the terminal device) transmits a login request with the user ID and the password to the contract content management server device 5 (step S51).

  Upon receiving this, the CPU 30 of the contract content management server device 5 (hereinafter sometimes abbreviated as the contract content management server device 5) refers to the employee data and determines whether or not the combination is a correct user ID and password. Authentication is performed (step S101).

  The contract content management server device 5 acquires the contract data of the comprehensive security of the user based on the employee number of the user (step S102). That is, the data of “Hanako Life” in FIG. 13B is acquired.

  Next, the contract content management server device 5 acquires the contract data of the comprehensive security of the family based on the employee number of the user (step S103). In other words, the data of “Nariho Taro” and “Nichiho Ichiro” in FIG. 13B are acquired.

  Next, the contract content management server device 5 acquires the contract data of the individual's medical security based on the employee number of the user (step S104). That is, the data of “Hanako Seiho” in FIG. 14 is obtained.

  Next, the contract content management server device 5 acquires family medical security contract data based on the employee number of the user (step S105). In other words, the data of “Nariho Taro”, “Nariho Ichiro” and “Nariho Jiro” in FIG.

  The contract content management server device 5 determines whether the persons appearing in the two contracts are the same person based on the contract data acquired in this manner (step S106). In addition, since the name of the person and the spouse are identified by the pre-processing, no mismatch occurs. Family members such as children and parents judge whether they are the same person based on whether the combination of kana name and date of birth is the same.

  Although the contract data may be obtained directly from the comprehensive security contract data and the medical security contract data as described above, the integrated contract data as shown in FIG. You may make it acquire from data.

  As shown in FIG. 16, the integrated contract data is obtained by integrating the comprehensive security contract data and the medical security contract data. An identification key is generated and recorded for the child. In this embodiment, an identification key is generated by a combination of a kana name and a date of birth. Further, a Nayoro key is given depending on whether or not the identification key matches. For children whose identification keys match, the same person is assigned the same identification key as the identification key. Parents (actual father / mother and father-in-mother-in-law) are similarly judged to be the same person. Since it is unlikely that there is more than one spouse, the spouse is always treated as the same person.

  Next, the contract content management server device 5 transmits to the terminal device 2 a contractor confirmation screen in which correction input is enabled (step S107). The terminal device 2 displays this (step S52).

  FIG. 17 shows an example of the contractor confirmation screen. Each display item can be input for correction. Even when the same person is not recognized as a different person, if there is an error in the information of the person, the user can correct each display item from this screen. For example, in FIG. 17, if there is an error in the date of birth of the spouse, this can be corrected and input.

  In addition, when it is assumed that persons who are originally the same person are different persons, it is possible to perform correction by integrating them into one of them. This correction method can be selected as a pull-down menu in the column of the correction method. In FIG. 17, two “Ichirou Ikubo” who should be the same person are displayed as “Kotomo 1” and “Child 2”. This is because the date of birth was incorrectly entered. In FIG. 17, a correction method to match "child 1" is selected.

  When the confirmation button is pressed by the user, the terminal device 2 transmits the details of the correction to the contract content management server device 5 (step S53). In response, the contract content management server device 5 corrects the comprehensive security contract data and the medical security contract data (step S108).

  When the integrated contract data shown in FIG. 16 is prepared, this data may be corrected. Alternatively, both may be corrected.

  As described above, in this embodiment, when the contract is changed or a new application is made, the user is checked and the children are identified, so that the correct identification can be performed.

  After the identification of the children in this manner, the contract content management server device 5 displays the policy content of each insurance, and performs a process of receiving a change or a new policy (steps S109 and S54).

  FIG. 18 shows an example of a screen for changing or newly applying for general security (medical security) transmitted from the contract content management server device 5 to the terminal device 2 and displayed. The user can change the application content, the recipient, and the like. By pressing the child addition button, a child can be added and a new application can be made. If there is no application, the spouse or the person is blank, so that a new application can be made by filling this blank.

  As described above, since the contract can be made at once for the person and the family, the convenience for the user is high.

  When the confirmation button is pressed by the user, the contract content management server device 5 transmits a screen for confirming the contract content (step S110). This screen is displayed on the terminal device 2 (Step S55). When the user presses the confirmation button on the displayed confirmation screen, a confirmation is transmitted to the contract content management server device 5 (step S56).

  In response to this, the contract content management server device 5 transmits a notification screen (step S111). The notification screen is for the policyholder to make a notification at the time of an insurance contract. The contractor inputs the notification content and presses the confirmation button. Thereby, the notification content is transmitted from the terminal device 2 to the contract content management server device 5 (step S58). The notification screen is displayed for each contractor (person, spouse, child, etc.), and is displayed such that the screen is operated for each contractor. The notification content may be confirmed by e-mail.

  When the notification of all the contractors is completed, the contract content management server device 5 transmits a mail address input screen to the terminal device 2 (step S112). The terminal device 2 displays the received mail address input screen (Step S59). FIG. 21 shows an example of a mail address input screen.

  When the user inputs the e-mail address of each contractor and presses the confirmation button, the e-mail address is transmitted from the terminal device 2 to the contract content management server device 5 (step S60). The contract content management server device 5 transmits an e-mail to the input e-mail address of each contractor (step S113).

  This mail has the same contents as in FIG. 7 in the first embodiment. However, in this embodiment, the authentication code is described in the mail.

  When each contracting user receives this e-mail and clicks the link, the terminal device 2 transmits a browsing request for a link page (authentication information confirmation page) to the contract content confirmation server device 5 (step S61). ). In response, the contract content confirmation server device 5 transmits an authentication information confirmation page to the terminal device 2 (step S114).

  The terminal device 2 displays an authentication information confirmation page (Step S62). Note that the authentication information confirmation page has the same contents as in FIG. 8 in the first embodiment. However, in this embodiment, an input field for an authentication code is provided in addition to the input field for the date of birth.

  The user inputs a date of birth and an authentication code and presses a send button. Thereby, the terminal device 2 transmits the date of birth and the authentication code as authentication information to the contract content confirmation server device 5 (step S63).

The contract content confirmation server device 5 confirms the person based on the date of birth and the authentication code (step S115). If the principal can be confirmed, the contract content confirmation server device 5 updates the comprehensive security contract data and the medical security contract data (step S116). When the integrated contract data shown in FIG. 16 is prepared, this data may be updated. Alternatively, both may be updated.

2.4 Other
(1) In the above embodiment, the case where there are two types of products has been described. However, the same applies to the case where there are three or more products.

(2) In the above embodiment, the insurance product has been described. However, the same can be applied to other products.

(3) In the above embodiment, the personal identification mail is received by the terminal device 2 that has applied. However, it may be received by another terminal device such as a smartphone.

(4) In the above embodiment, as shown in FIG. 17, a confirmation screen which is made correctable is transmitted. However, the content may be displayed on the confirmation screen, and the correction may be made possible by clicking the item that needs correction.

(5) In the above embodiment, the server is configured as a server, but this may be realized by a stand-alone device.

(6) In the above embodiment, the terminal device only performs the browsing process and the input process using the browser program. However, a part of the functions of the server device may be executed on the terminal device side.

(7) In the above embodiment, when the information of the principal is different between the two contracts, the correction is prompted. However, correction candidates may be displayed based on employee data.

(8) In the above embodiment, a combination of a kana name and a date of birth is used as an identification key. However, a combination of the kanji name and the date of birth may be used. Further, gender or the like may be used as the identification key. That is, any combination of the name, date of birth, gender, and the like can be used as the identification key.

(9) In the above embodiment, the identification of the person and spouse is performed in advance. However, similarly to the case of a child, a modification may be made when a user accesses the terminal.

(10) In the above embodiment, the computer automatically performs name identification of the person or spouse. However, the computer may present the suggestion of the name identification, the operator may confirm the name on the display, and then perform the correction by pressing the confirmation button.

(11) The above modification can be applied to the first embodiment as long as it is not against its essence.

Claims (13)

An application content receiving means for receiving application content including at least the date of birth,
An application content display means for displaying the received application content for confirmation on the terminal device;
Confirmation accepting means for accepting a confirmation input of confirming the application content displayed on the terminal device,
An email address receiving means for receiving the email address of the applicant;
A confirmation e-mail sending unit that sends an e-mail including a link to an authentication information confirmation page to the e-mail address of the applicant after accepting a confirmation input by the confirmation accepting unit;
Based on the link, an authentication information confirmation page including at least an input field for inputting a date of birth as authentication information is displayed on the terminal device, and authentication information receiving means for receiving a date of birth as the authentication information,
Identity verification means for performing identity verification by checking whether the date of birth received as the authentication information matches the date of birth received by the application content receiving means,
Application reception server device provided with. An application reception server program for realizing an application reception server device by a computer, comprising:
An application content receiving means for receiving application content including at least the date of birth,
An application content display means for displaying the received application content for confirmation on the terminal device;
Confirmation accepting means for accepting a confirmation input of confirming the application content displayed on the terminal device,
An email address receiving means for receiving the email address of the applicant;
Confirmation mail transmitting means for transmitting a confirmation e-mail including a link to an authentication information confirmation page to the e-mail address of the applicant after accepting confirmation input by the confirmation acceptance means;
Based on the link, an authentication information confirmation page including at least an input field for inputting a date of birth as authentication information is displayed on the terminal device, and authentication information receiving means for receiving a date of birth as the authentication information,
An application receiving server program for functioning as an identity verification unit for performing identity verification based on whether the date of birth received as the authentication information matches the date of birth received by the application content receiving unit. In the apparatus according to claim 1 or the program according to claim 2,
The confirmation mail transmission means transmits an authentication code as authentication information in the confirmation mail,
The authentication information receiving means displays an input field for inputting an authentication code as authentication information in the authentication information confirmation input field, and receives an authentication code as the authentication information,
The identity verification means performs identity verification based on whether the authentication code received as the authentication information matches the authentication code transmitted in the confirmation mail, in addition to the matching of the date of birth. Device or program to do. An apparatus or a program according to any one of claims 1 to 3,
A device or program wherein the application content is an application for life insurance or non-life insurance, and the date of birth is an important element of the insurance. i) member data including at least a member identification code for identifying a member in the organization; and ii) a contractor of the first product including at least a member identification code for identifying a member in the organization and member information. First contract contents data indicating contract contents, and iii) access means for accessing second contract contents data indicating contract contents relating to a contractor of the second product, including at least the member identification code and member information;
An authentication means for receiving an access request with a member identification code or information associated with the identification code from a terminal device and performing authentication,
The first contract content data and the second contract content data are referred to based on the member identification code, and if the member has contracted the first product or the second product, the contract content data is acquired. Means for acquiring contract content data;
A contract content display means for displaying the acquired contract content of the first product and the contract content of the second product on the terminal device,
When the contract information of the first product and the member information included in the contract content of the second product are different on the contract content display screen, a correction input field for correcting at least the member information is displayed on the terminal device. Means to accept corrections,
Correction means for directly or indirectly correcting the first contract content data or the second contract content data based on the received correction input;
Contract management server device equipped with A contract contents management server program for realizing a contract contents management server device by a computer, comprising:
i) member data including at least a member identification code for identifying a member in the organization; and ii) a contractor of the first product including at least a member identification code for identifying a member in the organization and member information. First contract contents data indicating contract contents, and iii) access means for accessing second contract contents data indicating contract contents relating to a contractor of the second product, including at least the member identification code and member information;
An authentication means for receiving an access request with a member identification code or information associated with the identification code from a terminal device and performing authentication,
The first contract content data and the second contract content data are referred to based on the member identification code, and if the member has contracted the first product or the second product, the contract content data is acquired. Means for acquiring contract content data;
A contract content display means for displaying the acquired contract content of the first product and the contract content of the second product on the terminal device,
When the contract information of the first product and the member information included in the contract content of the second product are different on the contract content display screen, a correction input field for correcting at least the member information is displayed on the terminal device. Means to accept corrections,
A contract contents management server program for causing the first contract contents data or the second contract contents data to function directly or indirectly as correction means based on the received correction input. i) member data including at least a member identification code for identifying a member in the organization; ii) a member identification code for identifying a member in the organization, member information, and whether the contractor is the member himself or his family. The first contract content indicating the contract content for the first product contractor, including at least the relationship information indicating whether the contract is a contractor, the member information of the contractor member, and the personal information of the contractor family. Data, iii) a member identification code identifying the member in the organization, member information, relationship information indicating whether the contractor is the member or a family member, and members of the member who is the contractor Access means for accessing second contract content data indicating at least the contract content relating to the contractor of the second product, including at least the information and the personal information of the family who is the contractor;
An authentication means for receiving an access request with a member identification code or information associated with the identification code from a terminal device and performing authentication,
The first contract content data and the second contract content data are referred to based on the member identification code, and if the member and the member's family have contracted the first product and the second product, A contract data acquisition means for acquiring contract data,
A contract content display means for displaying, on the terminal device, the contract content of the first product and the contract content of the second product obtained for the member and family;
On the contract content display screen, a contract in which only one member corresponds to a member due to the nature of the member and the relationship is a contractor and is included in the contract contents of the first product and the second product. Correction receiving means for displaying at least a correction input field for correcting the member information or the personal information of the family on the terminal device when the member information or the personal information of the family is different,
On the contract details display screen, for a contract in which a member who is likely to respond to members due to the nature of members and relationships is a contractor, at least the same name and date of birth are the same person And a correction accepting means for displaying any of these different families as different persons, and displaying at least a correction input field for correcting personal information of the family on the terminal device,
Correction means for directly or indirectly correcting the first contract content data or the second contract content data based on the received correction input;
Contract management server device equipped with A contract contents management server program for realizing a contract contents management server device by a computer, comprising:
i) member data including at least a member identification code for identifying a member in the organization; ii) a member identification code for identifying a member in the organization, member information, and whether the contractor is the member himself or his family. The first contract content indicating the contract content for the first product contractor, including at least the relationship information indicating whether the contract is a contractor, the member information of the contractor member, and the personal information of the contractor family. Data, iii) a member identification code identifying the member in the organization, member information, relationship information indicating whether the contractor is the member or a family member, and members of the member who is the contractor Access means for accessing second contract content data indicating at least the contract content relating to the contractor of the second product, including at least the information and the personal information of the family who is the contractor;
An authentication means for receiving an access request with a member identification code or information associated with the identification code from a terminal device and performing authentication,
The first contract content data and the second contract content data are referred to based on the member identification code, and if the member and the member's family have contracted the first product and the second product, A contract data acquisition means for acquiring contract data,
A contract content display means for displaying, on the terminal device, the contract content of the first product and the contract content of the second product obtained for the member and family;
On the contract content display screen, a contract in which only one member corresponds to a member due to the nature of the member and the relationship is a contractor and is included in the contract contents of the first product and the second product. Correction receiving means for displaying at least a correction input field for correcting the member information or the personal information of the family on the terminal device when the member information or the personal information of the family is different,
On the contract details display screen, for a contract in which a member who is likely to respond to members due to the nature of members and relationships is a contractor, at least the same name and date of birth are the same person And a correction accepting means for displaying any of these different families as different persons, and displaying at least a correction input field for correcting personal information of the family on the terminal device,
A contract contents management server program for causing the first contract contents data or the second contract contents data to function directly or indirectly as correction means based on the received correction input. The apparatus or program according to any one of claims 5 to 8,
The apparatus or the program, wherein the contract content display means further displays, on the terminal device, a screen for applying for a contract for a product for which the member or the family member has not made a contract. The device or the program according to any one of claims 5 to 9,
Apart from the first contract content data and the second contract content data, all the items of both data required for processing are included, and the contractor of the first product and the contractor of the second product are the same. Providing integrated contract content data with the items shown,
The apparatus or the program, wherein the correction unit corrects the integrated contract content data. The device or the program according to any one of claims 5 to 10,
An apparatus or a program, wherein a family in which only one member corresponds to a member due to the nature of the relationship includes at least a spouse. The device or the program according to any one of claims 5 to 11,
An apparatus or a program characterized in that a family in which a plurality of members may correspond to members due to the nature of relations includes at least a child. In the apparatus or the program according to any one of claims 5 to 12,
The apparatus or the program, wherein the product is life insurance or non-life insurance.

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