JP2023055286A - Centralized insurance contract management system and insurance contract information sharing method - Google Patents

Abstract

To provide a centralized insurance contract management system and an insurance contract information sharing method for allowing an information sharer to easily protect an insurance that a user has subscribed online when it becomes difficult for the user to manage the insurance.SOLUTION: An insurer server creates an insurance policy in which two QR codes are displayed, each of which generates an insurance contract, and insurance commentary information explaining procedures such as product descriptions and insurance claims by a video with audio, and further sends an insurance policy QR code image file generating the insurance policy to a user terminal. The user terminal accesses an insurance management company server, enters into a consignment contact therewith for managing the insurance simultaneously with registering an information sharer, and sends the insurance policy QR code image file received from the insurer server. The insurance management company server regularly sends a current status confirmation mail to the user terminal, and if there is no reply, sends a notice requesting an information sharer terminal to protect a user status and the insurance, as well as the insurance policy QR code image file.SELECTED DRAWING: Figure 4

Description

TECHNICAL FIELD The present invention relates to a management system and an insurance policy information sharing method for unifying insurance policies, policy clauses, and commentary information of insurance policies that individuals have subscribed to online.

In recent years, online contracts have increased due to the corona crisis, in addition to digitalization and paperless insurance for individuals.

With the spread of smartphones, QR code (registered trademark) settlement and various certificates using QR codes have been created. And it became possible to use various application software.

For online contract insurance, it is generally difficult for anyone other than the subscriber to understand the policy because the image of the policy is saved on the device, allowing the user to choose whether or not the paper-based policy is required.

Due to the aging society, solitary elderly people and lonely deaths are also increasing. Therefore, the heir may not be able to grasp the insurance that the elderly are enrolled in.

Flooding and sediment disasters due to abnormal weather are occurring frequently in various places, but fire insurance that generally covers natural disasters such as flooding does not cover all natural disasters, and it is only covered if the damage exceeds a certain standard. It is necessary to confirm the contents of the contract.

Patent Literature 1 discloses a contract management support device and method for reviewing and proposing insurance that can deal with the risks to which the subscriber is exposed by confirming the collateral content of the insurance that the relatives have subscribed to.

Further, Patent Document 2 discloses an input system for reading insurance policy information and generating insurance policy data in order to accumulate various insurance policies in an insurance policy management database that centrally manages them, and a program for causing a computer to execute the input system. be.

JP 2019-87086 A Japanese Patent Application Laid-Open No. 2006-309750

Contracted insurance can enjoy economic value and effects when insurance benefits are received. However, insurance has the following problems.
(1) In general, when an insured event or a reason for change occurs, insurance does not play a role unless the claim procedure is made to an insurance company or an insurance agent. There is also a statute of limitations if it remains unclaimed. (Insurance Law Article 95)
(2) As for insurance, the details of the collateral cannot be known from the insurance policy alone. For example, general residential fire insurance and general residential insurance include many coverages other than fire (lightning, flood, wind, hail, etc.), so they may not be covered depending on the type of disaster and the degree of damage. Also, since there are special contracts, it is necessary to check the insurance contract, but there is a lot of information.
(3) In general, when insurance is purchased on a paper basis, it is difficult to manage because the insurance policy, insurance clauses, contract bookmarks, pamphlets explaining the outline of insurance products, etc. are dispersed.
(4) Persons other than the policyholder generally cannot access when the insurance policy or subscriber copy of the insurance contracted online is stored in the device. Therefore, the third party does not know the insurance that the policyholder has taken out.

Therefore, in order to solve the above-mentioned problems, the present invention manages information (insurance policy, insurance contract, description of insurance products and insurance claim, procedure explanation information for transfer cancellation) that the user, who is the policyholder, has contracted. To facilitate the protection of an insurance by unifying such insurance so as to facilitate easy transmission to a relative who becomes the heir of the user or a voluntary guardian (information sharer) even when the user finds it difficult to manage the insurance. aimed at

In order to solve the problems of the present invention, there is provided a centralized insurance contract management system in which an individual (hereinafter referred to as a user) collects and facilitates management of information related to the insurance purchased online, A user terminal of the user and an insurer server of the insurer of the insurance are connected via a network, and the user terminal accesses the insurer server via the network in order to subscribe to the insurance and purchases the insurance from a website. An application form is displayed on a screen, and personal information such as the user's address, name, contact information, etc. required for application and information necessary for insurance enrollment are entered in the input fields of the displayed application form. an insurance policy creation means for creating an insurance policy for the insurance based on the personal information of the application form received from the user terminal and the information required for the insurance subscription, which is transmitted to an insurer server; , the insurance policy of the insurance, the terms and conditions, product explanations, insurance claims, transfers, cancellation procedures, and information (hereinafter referred to as “insurance commentary information.” and insurance unification means for unifying the information about the insurance, and the insurer server generates the information about the insurance using the insurance policy creation means and the QR code generation means. are centralized and transmitted to the user terminal via the network.

The insurance-related information according to the present invention includes the insurance policy, the insurance contract, and the insurance commentary information, and the insurance unifying means for unifying the insurance-related information is the insurer server. generates an insurance contract QR code and an insurance commentary information QR code from the insurance contract and the insurance commentary information using the QR code generating means, and generates the insurance contract QR code and the insurance commentary information QR code. is displayed in the margin of the insurance policy created using the insurance policy creation means, and further indicates an insurance policy QR code created using the QR code creation means, and the insurer server provides the user Transmitting/receiving means for receiving the application form from a terminal and transmitting an image file of the insurance policy QR code generated as a QR code to the user terminal; and the application form received from the user terminal and the generated insurance policy QR code. The insurer server transmits the image file of the insurance policy QR code to the user terminal via a network, and the user terminal receives the user terminal saves the image file of the insurance policy QR code received from the insurer server, thereby facilitating unified management of the insurance.

The user terminal of the present invention is capable of reading a QR code, reads an image file of the insurance policy QR code transmitted from the insurer server, and reads the insurance policy QR code displayed on the read insurance policy QR code. , the insurance explanation information QR code is further read, the user terminal reads the insurance clause QR code, the user terminal accesses the URL indicating the insurance clause, displays the insurance clause on the screen, and further When the user terminal reads the insurance commentary information QR code, the user terminal accesses the URL indicating the insurance commentary information and displays the content of the insurance product on the screen, along with the insurance claim, transfer, and cancellation procedures with voice. The user terminal displays the forms required for insurance claim, transfer, and cancellation procedures while explaining with animation, and the user terminal displays them on the screen, thereby facilitating contract management and protection of the insurance. enable.

Further, the present invention is a method for sharing insurance contract information for sharing, with an information sharer, an image file of the insurance policy QR code, in which information about the insurance that the user has subscribed to is unified, and the information sharer is the user who A management company server of an insurance management company to which the user entrusts the management of the insurance, such as an heir or a voluntary guardian of the user who has decided, is a network between the user terminal and the information sharer terminal of the information sharer. and the management company server includes consignment contract conclusion means for concluding a consignment contract for managing the insurance, a consignment contract file transmitted from the user terminal to the management company server via the network, and the insurance policy storage means for storing an image file of the QR code in one folder; and transmitting/receiving means for receiving the image file of the insurance policy QR code from the user terminal and transmitting the image file to the information sharer terminal; The form is provided with an entry field for entering personal information including the e-mail address of at least one or more of the information sharers decided by the user, and the user terminal is sent to the management company server via the network. access, transmit the consignment contract form entered in the input field of the consignment contract form posted on the website, and the management company server receives the consignment contract form from the user terminal; The management company server assigns a user number to the received consignment contract and transmits a copy of the consignment contract to the user terminal via the network, and the user terminal , attaches the user number to the saved image file of the insurance policy QR code and transmits it to the management company server via the network, and the management company server receives the consignment contract file received from the user terminal; The image file of the insurance policy QR code is stored in the user folder assigned with the user number provided on the screen using the storage means, and the management company server attaches the user number transmitted from the user terminal. A plurality of image files of the insurance policy QR code thus obtained can be stored in the user folder.

The management company server of the present invention transmits a confirmation email for confirming the user's current status to the user terminal via a network at least once every six months, and even if a reply email to the confirmation email has passed at least one month, If the management company server does not receive the reply e-mail, the insurance management company confirms the user's current situation by telephone, including a mobile phone, or visits the user. An e-mail attached with an image file of the insurance policy QR code stored in the user folder together with the current situation and a notice to the effect that the insurance contract protection is requested is sent to the e-mail address of the information sharer via the network. Send.

The information sharer of the present invention confirms the content of the notification text received from the management company server by the information sharer terminal, and the information sharer terminal is capable of reading a QR code and is received from the management company server. The image file of the insurance policy QR code is read, and the information sharer terminal further reads the insurance clause QR code displayed on the read insurance policy QR code, whereby the information sharer terminal reads the insurance clause. By accessing the indicated URL and displaying the insurance contract on the screen, and further reading the insurance commentary information QR code displayed on the insurance policy QR code by the information sharer terminal, the information sharer terminal Accessing the URL indicating the insurance commentary information, the content of the insurance product, insurance claim, transfer, and cancellation procedures are explained in a video with sound, and the form necessary for insurance claim, transfer, and cancellation procedures is displayed on the screen. and thereby the information sharer terminal facilitates and further enables contract management of the insurance.

The following effects can be obtained by using the present invention.
(1) An energy saving effect can be obtained by going paperless.
(2) Insurance contract information can be centrally managed by QR codes and can be collected more compactly, which facilitates information transmission and storage.
(3) Since the detailed explanation of the contents of the insurance and the procedures are explained by animation with sound, the effect of preventing unclaimed insurance money can be obtained.

3 is a block diagram showing configurations of an insurer server and a user terminal in the present invention; FIG. It is a block diagram which shows the structure of a management company server, a user terminal, and an information sharer terminal in this invention. It is a flowchart which shows the flow of the system in this invention. 1 is a sequence diagram showing the overall configuration and flow of the present invention; FIG. It is a reference diagram showing a reference diagram of an insurance policy in the present invention and an insurance policy QR code obtained by converting the insurance policy into a QR code.

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. It should be noted that the implementation of the present invention is premised on obtaining approval from the Financial Services Agency.

(Structure of Insurer Server and User Terminal) FIG. 1 shows the structure of the insurer server 10 and the user terminal 30. The user terminal 30 accesses the insurer server 10 via the Internet NW to purchase insurance. Enter personal information such as the user's address, name, contact information (fixed or mobile phone number, email address, etc.) and other information necessary for insurance enrollment in the entry fields of the application form posted on the website. Send. (Shown in S61 of FIG. 3 and (1) of FIG. 4.)

(Information Necessary for Enrolling Insurance) In general, personal information such as the address, name, and contact information of the person enrolling in the insurance (insurance policyholder), which identifies the individual, differs depending on the type of insurance. For example, in the case of life insurance, gender, date of birth, name of the beneficiary of the death benefit, notification of health condition, etc., in the case of automobile insurance, the vehicle name, model year, registration number, etc., and in the case of building fire insurance, it is covered. They are the structure of the building, the total floor area, the name of the insured who is the owner, and so on.

The insurer server 10 creates an insurance policy 51 based on the personal information received from the user terminal 30 and the information required for insurance subscription. As shown in FIG. 5, in the margin of the insurance policy 51, the insurer puts information (insurance commentary information) that explains the insurance policy clause of the insurance, the product description of the insurance, and the insurance claim, transfer, and cancellation procedures with audio and video. The server 10 displays the insurance clause QR code 52 and the insurance commentary information QR code 53 converted into QR codes using the QR code generating means 12 .

Regarding (insurance unification means), the insurer server 10 uses the insurance policy creation means 11 to generate an insurance policy 51 displaying the insurance clause QR code 52 and the insurance commentary information QR code 53, and further uses the QR code generation means 12 to generate the insurance policy 51. 5, an insurance policy QR code 54 is generated to centralize information on insurance and facilitate centralized management. (Shown in S62 in FIG. 3.)

Regarding (storage means) As shown in FIG. 1, the insurer server 10 transmits the generated image file of the insurance policy QR code 54 to the user terminal 30 via the Internet NW, and the application form and insurance received from the user terminal 30. The image file of the securities QR code 54 is stored using the storage means 15 . (Shown in S63 of FIG. 3 and (2) of FIG. 4.)

About (insurance commentary information), the contents of insurance products and precautions are explained in detail by video with audio. In addition, the documents and forms necessary for procedures such as insurance claim, transfer, cancellation, etc. are displayed, and along with notes, the method and flow are explained in detail with audio and video.

The user terminal 30 saves the image file of the insurance policy QR code 54 received from the insurer server 10 . The user terminal 30 saves the image file of the insurance policy QR code 54 so that the user can easily centrally manage the insurance that the user has subscribed to.

(Configuration of management company server, user terminal, and information sharer terminal of insurance management company) FIG. 2 shows the configuration of the management company server 20, user terminal 30, and information sharer terminal 40. The user terminal 30 accesses the management company server 20 via the Internet NW, and fills in the form of the consignment contract for entrusting the management of the insurance posted on the website. Send the consignment agreement with the information (including the email address of the information sharer). The insurance management company concludes a consignment contract by receiving the consignment contract sent from the user terminal 30 to the management company server 20 . By receiving a copy of the consignment contract from the management company server 20 to the user terminal 30, the user can confirm that the consignment contract has been concluded with the insurance management company. (shown in S64 of FIG. 3 and FIG. 4(3)).

(Information sharing party) The information sharing party is generally decided by the legal heir of the policyholder, but in some cases, if there is no special relationship or heir to be the heir, it is possible to request a lawyer or judicial scrivener. desirable.
Also, if dementia is assumed, it is desirable to ask a lawyer or judicial scrivener for a voluntary guardianship contract. If the person who shares information is a spouse or other person who is close in age to the policyholder or is older, it is desirable to determine at least one person to share information. In that case, the insurance management company is notified. In addition, in the case of an insurance contract specifying a beneficiary of death benefits, the recipient is designated as the destination of the image file of the insurance policy QR code 54 to the insurance management company. It should be noted that the information sharer has a device that can read the QR code.

The management company server 20 that has received the consignment contract sends a copy of the consignment contract to the user terminal 30 via the Internet NW with a user number. Then, the user terminal 30 attaches a user number to the saved image file of the insurance policy QR code 54 and transmits it to the management company server 20 via the Internet NW. (Shown in S65 of FIG. 3 and (4) of FIG. 4.)

(User folder) The management company server 20 stores the image file of the insurance policy QR code 54 with the user number received from the user terminal 30 in the user folder with the user number provided on the screen. store using Since the user folder is provided on the assumption that the user has multiple insurance contracts, the user folder is configured to store image files of multiple insurance policy QR codes 54 .

(Confirmation Mail and Reply Mail) The management company server 20 sends a confirmation mail to the user terminal 30 via the Internet NW at least once every half year. If a reply e-mail to the confirmation e-mail does not arrive at the management company server 20 after at least one month has passed, the insurance management company will call (including a mobile phone) or visit the user to confirm the user's current situation in detail. After confirmation, the management company server 20 sends to the information sharer terminal 40 (addressed to the information sharer's email address) via the Internet NW a notice to the effect that the current status of the user and a request for protection of the insurance policy subscribed by the user and an insurance policy. An image file of QR code 54 is transmitted. (Shown in S66 and S67 of FIG. 3 and (5), (6) and (7) of FIG. 4.)

(Transmission of Information such as Insurance Policy QR Code Image File) When information such as an insurance application, consignment contract, insurance policy QR code image 54 file, etc. is transmitted, it is preferable to encrypt the information.

The information sharer reads and confirms the notice received by the information sharer terminal 40 from the management company server 20 . When the information sharer terminal 40 reads the insurance policy QR code 54, the information sharer terminal 40 displays the insurance clause QR code 52 and the insurance commentary information QR code 53 displayed on the insurance policy QR code 54 on the screen. Further, when the information sharer terminal 40 reads the insurance clause QR code 52 displayed on the insurance policy QR code 54, the information sharer terminal 40 accesses the URL indicating the insurance clause and displays the insurance clause on the screen. When the information sharer terminal 40 further reads the insurance commentary information QR code 53, the information sharer terminal 40 accesses the URL indicating the insurance commentary information and displays the insurance product details, insurance claim, transfer, and cancellation procedures on the screen. In addition to explaining with a video with audio, the form necessary for insurance claims, transfers, and cancellation procedures is displayed.

After grasping the user's situation, the information sharer uses the information sharer terminal 40 to read the insurance policy QR code 54, and the insurance clause QR code 52 and the insurance commentary information QR code 53 displayed on the insurance policy QR code 54. Furthermore, by accessing the URL indicating the read insurance clause and the URL indicating the insurance commentary information and displaying the insurance clause and the insurance commentary information on the screen, it is possible to confirm the content of the insurance that the user has subscribed, thereby facilitating contract management and protection. . (Shown in S68 of FIG. 3 and (8) of FIG. 4.)

Network (Internet)
10 Insurer server 11 Insurance policy creation means 12 QR code generation means 13 Insurance unification means 14 Transmission/reception means 15 Storage means 20 Management company server 21 Outsourcing contract conclusion means 22 Storage means 23 Transmission/reception means 30 User terminal 40 Information sharer terminal 51 Insurance Securities 52 Insurance contract QR code
53 Insurance explanation information QR code 54 Insurance policy QR code

In order to solve the problems of the present invention, there is provided a centralized insurance contract management system in which an individual (hereinafter referred to as a user) collects and facilitates management of information related to the insurance purchased online, A user terminal of the user and an insurer server of the insurer of the insurance are connected via a network, and the user terminal accesses the insurer server via the network in order to subscribe to the insurance and purchases the insurance from a website. Display the application form on the screen
transmitting to the insurer server the application form in which personal information such as the user's address, name, and contact information required for the application and information necessary for insurance subscription are entered in the input fields of the displayed application form; The insurer server comprises: insurance policy creation means for creating the insurance policy based on the personal information of the application form received from the user terminal and the information required for the insurance subscription; the insurance policy; A QR code that converts the insurance contract and the information explaining product explanations, insurance claims, transfers, and cancellation procedures with video with sound (hereinafter referred to as insurance commentary information) into QR codes (registered trademark). Generating means and insurance unifying means for unifying the information on the insurance, the insurer server unifies the information on the insurance using the insurance policy creating means and the QR code generating means, and distributes the information on the insurance via a network. Send to the user terminal.

Further, the information on the insurance according to the present invention includes the insurance policy, the insurance contract, and the insurance commentary information,
The insurance unifying means for unifying the information about the insurance is such that the insurer server generates an insurance contract QR code and an insurance commentary information QR code from the insurance contract and the insurance explanation information using the QR code generation means. death,
The generated insurance clause QR code and the insurance commentary information QR code are displayed in the margin of the insurance policy created by the insurance policy creation means, and the insurance policy is further created by the QR code creation means. Show the insurance policy QR code,
The insurer server is
a sending/receiving means for sending an image file of the insurance policy QR code generated by receiving the application form from the user terminal to the user terminal;
further comprising storage means for linking and storing the application form received from the user terminal and the generated insurance policy QR code image file,
The insurer server transmits an image file of the insurance policy QR code to the user terminal via a network,
The user terminal can easily centrally manage the insurance by saving the image file of the insurance policy QR code received by the user terminal from the insurer server.

Further, the present invention is a method for sharing insurance policy information, in which an image file of an insurance policy QR code, which integrates information about insurance that a user has subscribed to, is shared with an information sharer, wherein the information sharer is the above-mentioned A management company server of an insurance management company, which is a user's heir or voluntary guardian, to whom the user entrusts management of the insurance, is connected by a network between the user terminal and the information sharer terminal of the information sharer, The management company server includes consignment contract conclusion means for concluding a consignment contract for managing the insurance, a consignment contract file transmitted from the user terminal to the management company server via a network, and an image of the insurance policy QR code. Storage means for storing files in one folder, and transmitting/receiving means for receiving an image file of the insurance policy QR code from the user terminal and transmitting it to the information sharer terminal. is provided with an entry field for entering personal information including the e-mail address of at least one or more of the information sharers decided by the user, and the user terminal accesses the management company server via the network and accesses the web By transmitting the consignment contract form entered in the input fields of the consignment contract form posted on the site and receiving the consignment contract form from the user terminal by the management company server, the consignment contract can be concluded, the management company server assigns a user number to the received consignment contract and transmits a copy of the consignment contract to the user terminal via the network, and the user terminal receives the saved The image file of the insurance policy QR code is attached with the user number and transmitted to the management company server via the network, and the management company server receives the consignment contract file received from the user terminal and the insurance policy QR code. The image file of the code is stored in the user folder assigned with the user number provided on the screen using the storage means, and the management company server stores a plurality of user numbers assigned with the user terminal transmitted from the user terminal. An image file of the insurance policy QR code is stored in the user folder, a confirmation mail for confirming the current status of the user is sent to the user terminal via the network, and as a result, the management company sends the information sharer to the information sharer. When requesting insurance contract management, the management company server stores an image file of the insurance policy QR code in the user folder together with the current status of the user and a notice to the effect that the insurance contract management is requested. to the e-mail address of the information sharer via the network .

The management company server of the present invention transmits the confirmation mail for confirming the current status of the user to the user terminal via the network at least once every six months, and even if the reply mail to the confirmation mail has passed at least one month, If the management company server does not receive the reply e-mail, the insurance management company confirms the user's current situation by telephone, including a mobile phone, or visits the user. and an e-mail attached with the image file of the insurance policy QR code stored in the user folder together with the current status of the insurance policy and the request for contract management of the insurance policy via the network to the e-mail address of the information sharer. send to

The information sharer of the present invention confirms the content of the notification text received from the management company server by the information sharer terminal, and the information sharer terminal is capable of reading a QR code and is received from the management company server. The image file of the insurance policy QR code is read, and the information sharer terminal further reads the insurance policy clause QR code displayed on the read insurance policy QR code, whereby the information sharer terminal reads the URL indicating the insurance policy clause . to display the insurance contract on the screen, and the information sharer terminal further reads the insurance commentary information QR code displayed on the insurance policy QR code, so that the information sharer terminal receives the insurance commentary information By accessing the URL indicating the above, the content of the insurance product, the insurance claim, transfer, and cancellation procedures will be explained in a video with sound, and the form necessary for insurance claims, transfers, and cancellation procedures will be displayed. The information sharer terminal facilitates and further enables contract management of the insurance.

Claims (6)

A centralized insurance contract management system in which an individual (hereinafter referred to as a user) aggregates and facilitates management of information related to insurance purchased online,
a user terminal of the user and an insurer server of the insurer of the insurance are connected by a network;
The user terminal accesses the insurer server via the network and displays the insurance application form from the website on the screen in order to subscribe to the insurance,
transmitting to the insurer server the application form in which personal information such as the user's address, name, and contact information required for application and information necessary for insurance subscription are entered in the input fields of the displayed application form;
The insurer server has insurance policy creating means for creating the insurance policy based on the personal information of the application form received from the user terminal and the information required for the insurance subscription;
QR codes (registered trademarks) of the above-mentioned insurance policy, terms and conditions, and information explaining product explanations and insurance claim, transfer, and cancellation procedures with audio and video (hereinafter referred to as insurance commentary information). ), a QR code generating means for generating
an insurance unification means for unifying the information about the insurance;
with
The insurer server integrates the insurance policy information using the insurance policy creation means and the QR code generation means, and transmits the information on the insurance to the user terminal via a network. The information about the insurance includes the insurance policy, the insurance contract, and the insurance commentary information,
The insurance unifying means for unifying the information about the insurance is such that the insurer server generates an insurance contract QR code and an insurance commentary information QR code from the insurance contract and the insurance explanation information using the QR code generation means. death,
The generated insurance clause QR code and the insurance commentary information QR code are displayed in the margin of the insurance policy created by the insurance policy creation means, and the insurance policy is further created by the QR code creation means. Show the insurance policy QR code,
The insurer server is
Transmitting/receiving means for receiving the application form from the user terminal and transmitting an image file of the insurance policy QR code generated as a QR code to the user terminal;
further comprising storage means for linking and storing the application form received from the user terminal and the generated insurance policy QR code image file,
The insurer server transmits an image file of the insurance policy QR code to the user terminal via a network,
2. The user terminal according to claim 1, wherein the user terminal saves an image file of the insurance policy QR code received from the insurer server, thereby facilitating unified management of the insurance. centralized insurance contract management system. The user terminal is capable of reading a QR code,
read the image file of the insurance policy QR code transmitted from the insurer server;
further reading the insurance clause QR code displayed on the read insurance policy QR code and the insurance commentary information QR code,
When the user terminal reads the QR code of the insurance contract, the user terminal accesses the URL indicating the insurance contract and displays the insurance contract on the screen;
Further, when the user terminal reads the insurance explanation information QR code, the user terminal accesses the URL indicating the insurance explanation information and displays the product details of the insurance on the screen, as well as insurance claim, transfer, and cancellation procedures. Explains with a video with sound and displays the forms necessary for insurance claims, transfers, and cancellation procedures.
3. The centralized insurance contract management system according to claim 1 or 2, wherein the user terminal facilitates and further enables contract management and protection of the insurance by displaying them on the screen of the user terminal. . An insurance contract information sharing method for sharing, with an information sharer, an image file of the insurance policy QR code in which information about the insurance subscribed by the user is unified,
The information sharer is an heir or voluntary guardian of the user determined by the user,
a management company server of an insurance management company to which the user entrusts management of the insurance, wherein the user terminal and the information sharer terminal of the information sharer are connected via a network;
The management company server includes consignment contract conclusion means for concluding a consignment contract for managing the insurance;
a storage means for storing a consignment contract file transmitted from the user terminal to the management company server via a network and an image file of the insurance policy QR code in one folder;
a transmitting/receiving means for receiving an image file of the insurance policy QR code from the user terminal and transmitting it to the information sharer terminal;
with
The outsourcing contract form is provided with an entry field for entering personal information including the e-mail address of at least one or more of the information sharers determined by the user,
The user terminal accesses the management company server via a network,
Send the consignment contract form entered in the input field of the consignment contract form posted on the website,
The consignment contract can be concluded by the management company server receiving the consignment contract form from the user terminal,
The management company server assigns a user number to the received consignment contract and transmits a copy of the consignment contract to the user terminal via the network;
The user terminal attaches the user number to the saved image file of the insurance policy QR code and transmits it to the management company server via the network;
The management company server stores the consignment agreement file received from the user terminal and the insurance policy QR code image file on the screen in the user folder assigned with the user number, using the storage means. store and
The insurance policy information sharing method, wherein the management company server can store in the user folder image files of the plurality of insurance policy QR codes to which the user numbers are attached, which are transmitted from the user terminals. The management company server sends a confirmation email for checking the user's current status to the user terminal via the network at least once every six months,
If the reply mail to the confirmation mail does not reach the management company server even after at least one month has passed, the insurance management company confirms the current situation of the user by telephone, including a mobile phone, or visits the user. After confirming this, the management company server attaches an image file of the insurance policy QR code stored in the user folder together with the current situation of the user and a notice to the effect that the contract management of the insurance is requested. 5. The insurance contract information sharing method according to claim 4, wherein the mail is sent to said information sharer's e-mail address via a network. The information sharer confirms the content of the notification text received by the information sharer terminal from the management company server,
The information sharer terminal is capable of reading a QR code,
read the image file of the insurance policy QR code received from the management company server;
When the information sharer terminal further reads the insurance contract QR code displayed on the read insurance policy QR code, the information sharer terminal accesses the URL indicating the insurance contract and displays the insurance contract on the screen. display and
Further, when the information sharer terminal further reads the insurance explanation information QR code displayed on the insurance policy QR code, the information sharer terminal accesses the URL indicating the insurance explanation information and displays the insurance information on the screen. In addition to explaining the product content, insurance claim, transfer, and cancellation procedures with a video with sound, the form necessary for insurance claims, transfers, and cancellation procedures is displayed.
6. The insurance contract information sharing method according to claim 5, wherein said information sharer terminal thereby facilitates and further enables contract management of said insurance.

Images