JP2001256350A - Internet insurance order system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which offers judgment materials for pension and insurance selection by a consumer and also implements an insurance article PR for respective insurance companies by introducing pensions and insurance that consumers desire over the Internet so that respective insurance companies are covered. SOLUTION: This system is provided with a means which hold in a database materials prepared previously by plural insurance companies and calculates premiums and payment amounts per the insurance companies, insurance articles at a customer's request for a comparison list of insurance contents. When a customer requests materials for an insurance article according to the displayed list, material request data are generated on the basis of the order data from the customer and materials complying with the customer's request are requested to the respective insurance companies to provide. The insurance companies receiving the request for the materials send the materials and application forms directly to the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention calculates a required benefit (guarantee) amount and an insurance amount for a plurality of insurance companies, searches for an annuity / insurance product required by the customer, and provides the product to the customer. Using the Internet homepage for pensions
Internet insurance order system that introduces insurance products.

[0002]

2. Description of the Related Art There are various types of pension and insurance. There are basic retirement pensions, old-age welfare pensions, retirement mutual aid pensions, corporate pensions, personal pensions, nursing care insurance and nursing care insurance for those who are retired. For disability, there are disability pension, work injury insurance, whole life insurance, accident insurance, and for unemployment and leave, employment insurance, work injury insurance, disability insurance and income compensation insurance. For the death of the head of household, there are survivor's pension, work injury insurance, whole life insurance / term insurance, disability insurance, etc. For injuries and illnesses, there are health insurance, work injury insurance, whole life insurance and medical insurance. In addition, fire insurance, earthquake insurance,
There are car insurance and leisure insurance.

[0003] There are various types of pensions and insurance as described above, and broadly classified into those belonging to the public, those belonging to the company, and those belonging to the individual. For example, taking pensions as an example, public pensions include national pensions, welfare pension insurance, and various mutual aid union pensions, and corporate pensions include a welfare pension fund, a tax-qualified retirement pension, and a company pension. Consumers who are worried about such public or corporate pensions and insurance in the future will also be enrolled in private pensions run by private insurance companies. However, if consumers know they have a pension but want to join a personal pension,
It is difficult to obtain data for deciding which company should actually take out what type of insurance in consideration of the amount paid monthly, the amount paid when receiving a pension, whether annual payment is required, and the like. At present, if a customer wants to view insurance materials, they should contact each private insurance company directly, or access the Internet homepage established by each company and directly refer to it with a terminal or request data. Become. In this case, it is an exchange between the individual and one company.

What is troublesome in pension / insurance is to understand how much premium should be paid, how much pension / insurance can be paid when receiving insurance, and how much insurance should be paid. It is difficult to do. In particular, various insurances have emerged at present, and it is difficult to determine which company and insurance should be purchased. In the above-mentioned pension and insurance, there are insurances that combine several types. For example, in the case of whole life insurance, insurance is paid not only for death but also for illness or injury. Insurance premiums also vary depending on the age and circumstances at the time of insurance. Such complicated calculations are currently performed by computer processing. Actually, not only public insurance but also the homepage of a private insurance company has an insurance quote system based on the required amount and a product calculation system for searching for recommended products from paid insurance premiums.

[0005] One of the comparisons of a plurality of automobile insurances on the Internet homepage is "Internet Insurance (Ken) Room" of Shoshin Internet. FIG.
Is a copy of one screen of the homepage.
In this example, each company compares whether there is a new compensation other than the prepared basic compensation set. However, no specific monetary comparison has been made.

[0006]

As has been seen in the prior art, at present, there is a search system for each insurance company relating to its own insurance for PR of its products. There is also an in-house product calculation system for estimating recommended products based on the required security required by customers and for products such as pensions. However, each company is doing it independently,
There is no unified system. There is also a homepage that presents the insurance contents of multiple companies as a comparison list, but it is a comparison of compensation items, not a comparison based on insurance premiums or the amount of security (benefits). For example, in the example of FIG. 1, Japanese fire corresponds to all compensations listed in the table, but Mitsui Marine has no compensation for “double payment of medical insurance”.

[0007] Until now, insurance products that were unified throughout the company,
With the liberalization of insurance, the development and sale of products unique to each company in both premiums and contents has been permitted, and while convenience has improved for consumers, there is an opportunity to learn the difference in premium prices and contents of each company. Is not given. As in the past, if you know the insurance content of one company, you will be able to get a rough idea of the contents of other insurance companies. For this reason, when comparing insurances of each company and selecting an insurance company and a type of insurance, a consumer must separately obtain materials from each insurance company and examine it. Because it is not company-wide as before,
For consumers, it is not always easy to compare and examine such materials from each company, and consumers are still dissatisfied. On the other hand, insurance companies have complained that even if they develop new products, there is no PR place for the products. With the entry of general companies and the emergence of new insurance products, there is a high risk of being left behind in competition with other companies only through individual visits by employees as before, and as an insurance company, The current situation is that unspecified large numbers of customers are looking for places to show their differences with other companies.

[0008] In view of such a reality, the problem to be solved by the present invention is to introduce pensions and insurances required by consumers beyond the boundaries of individual insurance companies through the Internet and to select consumers' pensions and insurances. In addition to providing judgment,
The purpose is to develop a system that provides insurance product PR locations for each insurance company.

[0009]

In order to solve the problems to be solved by the present invention, according to the present invention, a digital insurance order system (DIOS) for collectively managing insurance products of each insurance company is provided. )
Searching for insurance products and introducing their contents on each agency's website.

[0010] DIOS, which introduces and introduces insurance product contents of each insurance company through an Internet homepage, is realized by the following method. First, a database is created from materials provided by a plurality of insurance companies in advance, insurance premiums and insurance amounts are calculated for each insurance company and insurance product according to customer requirements, and a means is provided to provide a comparison list of insurance contents. .
Next, based on the displayed list, when the customer requests insurance product claim materials and applications through the Internet, the company creates data claim data based on the order data from the customer, and provides each insurance company with the customer Distribute the requested materials to each agency and insurance company and request. The agency or insurance company receiving the document request sends the document and application directly to the customer.

When a customer makes an inquiry for insurance, there are two ways of inquiring. One is the inquiry from the required amount (benefit amount), and the other is the inquiry from the payment budget amount. The customer accesses a homepage on the Internet, and in the present invention, this homepage is referred to as an "agency homepage (agency HP)".

The former method is as follows. For insurance types such as medical security, bereaved family security, retirement life security, etc., the customer enters the public pension / insurance currently enrolled and the required amount (benefit amount, security amount) required in the future and the agency When you inquire DIOS via the (agency homepage), DIOS calculates the amount of public security received by the individual customer, calculates the amount of personal burden, etc., and calculates the amount of benefits required by the individual from private insurance Then, various insurance products are searched, insurance premiums and insurance contents are transmitted to the customer terminal for each insurance company, and displayed on the customer screen as a comparison list. The customer selects which insurance company and which insurance material he wants from the comparison list and requests the agent for the material. DIOS requests via the Internet to send customer requested materials and application forms to the customer by company. Subsequent communications will be directly between each agent or insurance company and the customer, independent of DIOS.

The latter method is as follows. For insurance types such as medical security, bereaved family security, retirement life security, etc., the customer enters the budget that can be paid, calculates the amount of benefits that can be paid according to the budget, and determines the types of insurance that can be purchased from the product database. The search, the insurance premium and the insurance content for each insurance company are transmitted to the customer terminal, and displayed on the customer screen as a comparison list. The customer selects which insurance company and which insurance materials he / she wants from the comparison list, and requests the materials from an agent (agent HP). In response to the request, DIOS requests the company to send the customer's requested documents and application form to the customer via the Internet. Subsequent communications will be directly between each agent or insurance company and the customer, independent of DIOS.

[0014]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be specifically described below with reference to the drawings. FIG. 2 shows an Internet insurance order system (DIOS: Digital Insurance) of the present invention.
FIG. The core of the DIOS of the present invention is a product database (product DB). The data of the product DB is created based on data provided in advance by each insurance company, and the contents for each type such as life insurance, property insurance, personal annuity, automobile insurance, medical insurance and the like are registered. The homepage directly accessed by the customer is the agency homepage (agent HP), and DIOS performs all calculations related to pensions and insurance and searches for various insurances of each company. DIOS also controls requests for materials from customers and requests to send materials to insurance companies, and the system (program group) for that is the material request ordering management system.
nancial Planning) Service It consists of financial information software and order management software. Hereinafter, description will be given along the numbers in the figure.

[0015] The customer makes an Internet connection to the agency homepage (agency site). The customer refers to the data on the insurance that he or she seeks from the agency HP. The insurance section on the agency HP is linked to DIOS, and the calculation of the required amount and the creation of a comparison list are performed by the document request / order management system of DIOS using the product DB. Therefore, the agency HP only needs to function as a relay station for information. Customer can send comparison list and simple insurance contents through agency HP
If the user refers to the DIOS and wants detailed data, he / she requests the data on the DIOS ("M" in "Request M" in the figure means a message). At this time, the customer also inputs the gender, date of birth, name, type of insurance that has been subscribed, the budget that can be paid, the amount of compensation (benefit amount), etc. at the same time as necessary for calculation and material search, and DIOS via the agency HP Send to Upon receiving a request for data from a customer, a data request message (Request M) is transmitted to DIOS. The material request message to the DIOS via the agency HP is registered in the material request DB, and the DIOS distributes the material request message to the agency and the insurance company by distributing the material to each agency and company. The insurance company returns a message (acknowledgement M) to the DIOS confirming that the document request message has been received. Meanwhile, DIOS also returns an acknowledgment message to the agency. The agency HP receives the acknowledgment message from DIOS, and transmits the acknowledgment message to the customer that the request for the material has been accepted. The message also includes information such as when the materials and applications will arrive. The agency or insurance company will send materials and applications directly to the customer.

It should be noted that the timing shown in FIG. That is, since a series of flows is usually performed as a routine work, DIOS may issue an acknowledgment message at the stage of receiving a data request message from a customer. The data request DB for each agency in the figure is DIOS
Is created based on the data request data created by the agent, and the data request data received by the agency is transmitted from DIOS when a certain unit is formed. This material request data is data that the agency can use for business activities.

Replenishing the shortage of public security with private insurance has become a retail private insurance application. The trial search logic based on the required security amount according to the present invention combines several calculation engines and instructs insurance premiums and insurance contents required by customers as a comparison list for each insurance company. A specific example is shown in FIG.

The example in FIG. 3 is a model of trial calculation logic relating to medical security, bereaved family security, and retirement life security, as viewed from the required amount. Although there is a difference in each security calculation logic, in the case of pensions, basically the calculation of the public benefit and the shortfall (benefit amount) are performed, and the security of medical care etc. is taken daily. The calculation of the burden amount and the necessary amount (insurance amount) required are performed, the insurance products corresponding to each company are searched, and a comparison list is created and presented to the customer. The input data of the customer at this time is the required amount.

The example of FIG. 4 is a model of trial calculation logic relating to medical security, bereaved family security, and retirement life security, as viewed from the budget. There is a difference in the calculation logic of each budget amount, but the pension that can be purchased from the budget amount that the customer can pay monthly
Search for insurance products. That is, the necessary amount (benefit, insurance money, etc.) is calculated from the budget amount, the insurance products of each company corresponding to the calculated amount are searched, and a comparison list is created and presented to the customer. At this time, if the customer specifies age, gender, etc., the product can be searched in a more narrowed form.

[0020]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described focusing on a screen. FIG. 5 is a menu screen of the Internet insurance order system (DIOS). From this screen, you can see
Decide whether to choose insurance products. FIG. 6 shows an input screen for searching for a product from the required amount. In this example, the required security amount, gender, and age are input items. The screen operation is devised so that only the mouse can be used. For example, when the age is clicked, the age at 5-year intervals is displayed by clicking ▼, and the closest age is selected therefrom. Of course, the age may be directly input from the keyboard.

FIG. 7 shows a guideline of monthly premiums for products that can be purchased by an insurance company, calculated by DIOS in response to a customer's required amount input. In this example, age 30
If you are 50 years old and the insurance amount is 50 million yen, you can purchase products with term insurance for 10,500 yen per month for a 10-year insurance period and 13,500 yen per month for a 20-year insurance period. For life insurance, you can pay up to the age of 60 and purchase products with a monthly premium of 88,000 yen.

FIG. 8 shows an input screen for searching for a product from a budget. In this example, the insurance premium, gender, and age that the customer can pay monthly are input items. FIG. 9 shows a guideline of the guarantee amount of a product which can be purchased by an insurance company, which is calculated by DIOS in response to a customer's budget input. In this example, when the age is 50 and the monthly payment budget is 10,000 yen or less, the term insurance covers a product that can be purchased with a term insurance of 10 years and a guaranteed amount of 12.82 million yen and a product with a guaranteed amount of 8.93 million yen for a period of 20 years. In the whole life insurance, pay until 60 years old,
Products with a security value of less than 1.65 million can be purchased.

The following is an example of a comparison list for cancer insurance. FIG. 10 is a comparison table of benefits according to the situation of each company. Looking at the cancer diagnosis benefits, Company A has 10
Company B is ¥ 100,000 (half price after 65), Company B is 1.5 million yen (half price after 65), Company C is 1.5 million yen, and Company D is "none". On the other hand, looking at the hospitalization daily amount, companies A, B, C, and D are all 10,000 yen, but company D is paid 500,000 yen as a treatment benefit at the time of hospitalization. Hereinafter, the characteristics of each insurance can be grasped from the table by the comparison table.

FIG. 11 is a comparison of monthly premiums by age and gender. One of the characteristics of Company A is that monthly premiums are not related to gender. Company B has a higher premium than other companies, and Company D has the lowest premium. FIG.
2. FIG. 13 shows an example in which the surrender value is shown for a 30-year-old man and a 40-year-old man when the required hospitalization amount is 10,000 yen. If you join at the age of 30, the surrender value will increase over time, but the restitution rate will drop slightly for C and D after 20 years. Company D has the highest return rate, but when looking at the number of years elapsed after 20 years, company B is characteristically showing almost the same value as company D. Meanwhile, 4
When joining at the age of 0, Company B has the highest return rate.

Of course, insurance comes with various contract terms. For example, there is an example in which insurance premiums are paid even when hospitalized for illness. In some cases, when a patient is hospitalized for illness and claims for insurance, insurance is not paid. This is because this insurance had a clause "If you stayed for more than 5 days ...". This is a discrepancy that occurred because the members assumed that they would be paid if they were hospitalized. There are not a few troubles caused by this. In the present invention, such clauses can be described in detail, but basically, the purpose of the present invention is to make a comparison table in order to make it easier for the customer to understand the most desired contents and to compare them. When the customer wants to know the details, the customer will request information from each insurance company. The DIOS of the present invention mediates that.
For example, FIG. 14 shows the calculation result of monthly premiums calculated from the required amount as a comparison list. On this screen, select (click) the name of the insurance company for which you want to request data, and click "Request Data".
If you select the menu, DIOS will send a request for data to the insurance company selected by the customer. The customer will then consider the details provided by the agency or insurance company.

[0026]

An object of the present invention is to present an incomprehensible pension or insurance to general customers in an easy-to-understand manner, and to present it to a plurality of insurance companies. In order to achieve the object, the present invention centers on the Internet Insurance Order System (DIOS), where data is controlled collectively.

The first effect obtained from the present invention is that an Internet user (customer) can easily and easily obtain an outline of insurance through a homepage.
In particular, since a plurality of insurance companies are presented as a comparison list, the present invention has made it difficult to know pensions and insurance in comparison with other companies. From the comparison list, it is possible to simultaneously grasp good and bad points of the characteristics of the products of each company. Such a cross-insurance comparison is not available on the websites of individual insurance companies. In other words, the greatest advantage for the customer is that it provides the material for selecting the most suitable product from a plurality of companies.

Further, according to the present invention, since a customer can perform a product search from a budget and a product search from a necessary amount, it is easy to search for a product according to his / her needs. As a result, information that the customer wants to know most can be easily obtained by a simple operation. This approach is an unprecedented benefit for customers.

On the other hand, for the agency, DIOS provides all the functions, and when opening a homepage, the homepage can be opened without having to construct a special system at the agency. Also, since the data request data provided by DIOS is stored in the data request database, the data can be used for future sales activities and potential customer discovery.

The merits of the agency are also the merits of the insurance company. Especially with the liberalization of insurance,
In the situation where new products tend to be developed in the future, insurers will find DI
The effect is that the OS can be used. In addition, by simply registering the product outline in the DIOS product database, the product can be publicized to customers on the homepage, which requires less time and effort than each company individually introducing the product to the homepage, and is economically labor-intensive This is also advantageous.

From the above points, the most significant feature of the present invention is that DIOS provides convenience and fair competition for customers. In other words, this means that a free competition place is provided along with the liberalization of insurance, which is not available on the conventional website. There is an object and significance of the present invention.

[Brief description of the drawings]

FIG. 1 is an example of an Internet homepage screen relating to car insurance according to the prior art.

FIG. 2 is a schematic diagram of the Internet insurance order system of the present invention.

FIG. 3 is an example showing a flow of logic for searching for a product from a required security amount (benefit amount) according to the present invention.

FIG. 4 is an example showing a flow of logic for searching for a product from a paid insurance premium amount according to the present invention.

FIG. 5 is an example of a menu displayed on the agency homepage of the present invention.

FIG. 6 is an example of an input screen for calculating a guideline insurance premium from a required amount for a certain product in the present invention.

FIG. 7 is a search result obtained by calculating a guideline insurance premium from a required amount for a certain product in the present invention.

FIG. 8 is an example of an input screen in the case of calculating an estimated security amount from a budget for a certain product in the present invention.

FIG. 9 is a search result obtained by calculating an estimated security amount from a budget for a certain product in the present invention.

FIG. 10 is an example of a comparison list showing the contents of insurance and premiums related to the cancer insurance of the present invention.

FIG. 11 is an example of a comparison list showing monthly premiums by age and gender for the cancer insurance of the present invention.

FIG. 12 is an example of a comparison list showing a monthly payout and a return amount and a return rate at the time of cancellation corresponding to a 30-year-old male with respect to the cancer insurance of the present invention.

FIG. 13 is an example of a comparison list showing, for a cancer insurance of the present invention, a 40-year-old man's monthly premium and a return amount at the time of cancellation corresponding to the elapsed years and a return rate.

FIG. 14 is an example of a material request screen relating to the cancer insurance of the present invention.

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 5B049 AA01 AA02 BB46 CC02 DD01 DD05 EE00 EE05 FF03 GG02 GG04 GG07 5B055 EE04 EE27 FA08 FB03 5B075 KK07 ND20 PP02 PP03 PP12 PP28 PQ02 PQ32 PQ46 QS20 U

Claims (3)

[Claims] [1] A system for comparing and inquiring the contents of insurance products of each insurance company through a homepage on the Internet. (1) A database of materials provided by a plurality of insurance companies in advance, and for each insurance company according to a customer request, Means for calculating insurance premiums paid and the amount of security paid for each insurance product, and providing the insurance contents as a comparison list; (2) billing materials for candidate insurance products required by customers based on the presented list; When requesting an application through the Internet, means to create data request data based on order data from the customer, distribute the requested material to each agency and each insurance company and request, (3) Request material Each agency and insurance company that has received the sending request has a means to send the materials and application form directly to the customer. Dah system. 2. In a system for comparing and inquiring the contents of insurance products of each insurance company through a homepage on the Internet, customers are required to pay the desired amount (benefit) in the future for insurance types adapted to medical security, bereaved family security, and retirement life security. Amount), calculate the amount of public benefits and copayments received by the customer from the required amount, calculate the amount of benefits and payments required by the private insurance company, and 2. The system according to claim 1, further comprising means for searching for various annuity / insurance products commensurate with the amount, transmitting insurance premiums and insurance contents for each insurance company to a customer terminal, and displaying the comparison list on a customer screen. Internet insurance order system. 3. A system for comparing and inquiring the contents of insurance products of each insurance company through a homepage on the Internet, wherein a payable budget entered by a customer is entered for insurance types such as medical security, bereaved family security, retirement life security, etc. Calculate the amount of security that can be purchased based on the amount of security, search the data request database for pensions and insurance products that match the amount of security, send the insurance amount, benefits and insurance content to each customer terminal for each insurance company, and compare the 2. The Internet insurance order system according to claim 1, further comprising means for displaying on a screen.