JP2001282916A - Insurance business service system and agency server - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance business service system, etc., having high convenience. SOLUTION: An agency server 3 has an agency homepage and supplies the agency homepage to a user terminal 1 in response to access from the user terminal 1. When a menu about insurance business services is selected from the service menu of the agency homepage, the server 3 accesses a prescribed site of an insurance company server 5. The server 5 supplies an insurance business service menu corresponding to the agency homepage of a link source in response to the access from the server 3. Prescribed insurance business processing is carried out in accordance with selection from the insurance business service menu. The server 5 also transmits the performance contents of the insurance business processing to the server 3.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance business service system for providing an insurance business service provided by an insurance agency or the like via a network such as the Internet.

[0002]

2. Description of the Related Art Insurance business such as automobile insurance and fire insurance is carried out by an insurance company agency. For example, in the business of purchasing insurance products and the like, a representative of an agency accepts insurance application documents and the like from a customer, connects to a host computer of an insurance company from a terminal of the agency, and performs contract processing and the like. .

[0003]

Most of the insurance business by insurance agents as described above is handled by human factors. However, with the improvement of information technology in recent years, various services have been provided through networks such as the Internet, and from the viewpoint of convenience and processing efficiency, insurance business services that can be provided through networks such as the Internet. Realization is desired.

The present invention has been made in view of the above circumstances, and has as its object to provide a highly convenient insurance business service system and the like. Another object of the present invention is to provide an insurance business service system and the like that can increase the efficiency of business at insurance companies and agents.

[0005]

In order to achieve the above object, an insurance business service system according to a first aspect of the present invention includes a user terminal connected to a network, an agency server, and an insurance company server. An insurance business service system, wherein the agency server has an agency homepage, supplies an appropriate agency homepage in response to an access from a user terminal, and is provided on the agency homepage. When a predetermined service item is selected from the service menu, a predetermined site of the insurance company server is accessed, and the insurance company server has a plurality of insurance business service menus and responds to access from the agency server. Then, the insurance business service menu screen corresponding to the agency homepage of the link source is displayed on multiple insurance business service menus. In response to the selection of the insurance business service item from the insurance business service menu, a predetermined insurance business process is executed, and the contents of the insurance business process are transmitted to the agency server. , Characterized in that.

According to such a configuration, for example, the insurance business service is provided by accessing the insurance business service menu provided by the insurance company server providing the insurance business from the service menu on the homepage provided by the agency server. I do. As a result, insurance business services, such as applying for an insurance contract and requesting information on insurance products, can be performed on the Internet or the like, thereby improving convenience for users (contractors, customers, etc.) and agents in charge of agents. In addition to the improvement, it is possible to improve the work efficiency by digitizing the insurance business which has conventionally had many human factors. In addition, the insurance company server provides an insurance business service menu corresponding to the agency homepage of the link source, so that a service corresponding to the attribute of the agency can be provided. In addition, since the contents of the execution of the insurance business process are fed back to the agency server, each agency can know the service usage status of the customer.

[0007] The service menu provided on the agency homepage includes at least a service for supplying contents and a service for receiving an input from a user and transmitting the input data to a predetermined address by mail. One service item may be included. As a result, insurance agents can contact customers and policyholders can send questions to agents via the Internet. Users (policies, customers, etc.) and agents of agents And the like, and it is possible to efficiently and effectively communicate between the user and the agency.

The insurance company server performs personal authentication when a predetermined insurance business service is selected in the insurance business service menu, and performs insurance business processing according to the selection when the check result indicates normal. May be executed. Thereby, the security of the system can be maintained.

Further, the agency server according to the second aspect of the present invention has an agency homepage and supplies the corresponding agency homepage in response to an access from a user terminal. When a predetermined service item is selected from the service menu provided in the insurance company server, a predetermined site of the insurance company server is accessed, and the insurance business service menu managed by the insurance company server is supplied to the user terminal. , Characterized in that.

[0010] The service menu on the agency homepage has at least one of a service item for providing a content and a service for receiving an input from a user and transmitting the input data to a predetermined address by mail. May be included.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An insurance business service system according to an embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows a system configuration diagram of the insurance business service system according to the present embodiment. As shown,
The system includes a user terminal 1 of each company, an agency server 3, an insurance company server 5 in an insurance company, an Internet host 7, and a main host 9. Of these, the user terminal 1, the agency server 3, and the insurance company server 5 of each company are connected to the Internet. The user terminal 1 of each company is connected to an intranet in the company.

The user terminal 1 of each company is a terminal for accessing a homepage for the company in the agency server 3 via an intranet, the Internet, etc., and receiving various services related to insurance business. It is composed of an ordinary personal computer having the following.

The agency server 3 is a Web server for managing an agency website for providing insurance business services to employees of each company for each company. For example, as shown in FIG. , A storage unit 33, and a communication control unit 35.

The control unit 31 reads the company home page information corresponding to the access request from the storage unit 33 in response to the access from the user terminal 1 of each company,
Provide to the user terminal 1. The agency homepage includes, for example, as shown in FIG. 3, processing menus such as "insurance", "company information", "news", and "mail". A link to the insurance company server 5 is provided for “insurance”, and when this item is selected, the control unit 31
Accesses the linked insurance company server 5,
A predetermined insurance business service screen supplied from the insurance company server 5 is supplied to the user terminal 1.

When “company information” is selected from the agency homepage, the controller 31 reads the agency information from the storage 33 and supplies it to the user terminal 1. Also,
When “news” is selected from the agency homepage, the control unit 31 reads out news information from the storage unit 33 and supplies the news information to the user terminal 1. When “mail” is selected from the agency homepage, the control unit 31 reads out an email transmission form to the agency from the storage unit 33 and supplies the form to the user terminal 1.

The storage unit 33 has a homepage database 33A and the like for storing agency homepage information for each company and contents (agent information, news, etc.) provided from the agency homepage for each company.

The communication control unit 35 is a user terminal 1 of each company.
And communication with the insurance company server 5 are controlled.

The insurance company server 5 is a computer that provides various insurance-related functions to the user terminal 1. As shown in FIG. 4, the insurance company server 5 includes a control unit 51, a storage unit 53, and a communication control unit 55. Prepare.

In response to an access request from the agency server 3, the control unit 51 reads from the storage unit 53 an insurance business service screen corresponding to the linking agency homepage,
The information is supplied to the user terminal 1 via the agency server 3. Specifically, for example, as shown in FIG. 5, the control unit 51 refers to the URL of each agency, the type information indicating the type of the agency, and the agency information including the information such as the agency name. Then, the type information corresponding to the URL of the agency homepage of the link source is read, and a business service screen corresponding to the type information is provided to the agency server 3.

The insurance business service screen has a plurality of patterns, such as a screen for car insurance, a screen for life insurance, a screen for travel insurance, and a screen for general insurance products, according to the type of insurance product to be handled. It is prepared. The control unit 51 is, for example, a UR of the linking agency homepage.
When the type information acquired based on L is “travel agency”, a travel insurance screen is supplied to the user terminal 1 via the agency server 3.

The insurance business service screen includes, for example, as shown in FIG. 6, “product guide”, “document request”, “contract details inquiry”, “various insurance premium calculation”, “sales”, “accident reception”,
Includes a processing menu for insurance business services such as "renewal". This screen is provided with a button E1 linked to the agency homepage of the link source. In the area E2 of this screen, the name of the agency read from the agency information and the like are described. The control unit 51 performs the corresponding insurance business service according to the selection of the menu on the insurance business service screen.

For example, when “product guide” is selected on the insurance business service screen, the control unit 51 causes the user to select a desired product, for example, and uses information of the selected product via the agency server 3. To the user terminal 1. When “material request” is selected, the control unit 51 accepts an input for a product for which a material is requested. When “various insurance premium calculation” is selected on the insurance business service screen, the control unit 51 accepts an input for items necessary for calculating the insurance premium, and calculates the input data and a predetermined insurance premium calculation formula. A trial calculation of the insurance premium is performed based on the above, and the result of the trial calculation is supplied to the user terminal 1 via the agency server 3.

On the insurance business service screen, "Sale"
Is selected, the control unit 51 supplies sales screen data for selling each product to the user terminal 1 via the agency server 3. On the sales screen, for example, the user is caused to select an insurance product to be purchased, and to input personal information (for example, name, address, telephone number, etc.) of the contractor. Then, based on the input data received from the user terminal 1,
Perform predetermined contract processing. At this time, contract information indicating the contents of the contract is registered in the contract database 53A of the storage unit 53.
Further, the control unit 51 generates customer information based on the input personal information, and registers the customer information in the customer database 53B of the storage unit 53. If the customer information has already been registered in the customer database 53B, there is no need to newly register the customer information.

When “contract content inquiry” is selected on the insurance business service screen, the control unit 51 reads out the relevant contract information from the contract database 53A in which the contract information is stored, and sends it to the user terminal 1. Supply. Also, when "Acceptance" is selected on the insurance business service screen,
The control unit 51 inputs an accident date, an accident location, information on the other party (address, name, contact information, vehicle number, etc.), an accident situation, and the like. Then, based on the input data from the user terminal 1, a predetermined accident reception process is performed. When “renewal” is selected on the insurance business service screen, the control unit 51
Receives an input for renewal of a contract and performs a predetermined renewal process in cooperation with the Internet host 7 based on the input data.

For services requiring high security, such as the above-mentioned "inquiry of contract contents", "acceptance of accident", and "renewal", user authentication is performed prior to processing.
In this authentication process, the control unit 51 authenticates the user, for example, by confirming a combination of an ID and a password registered in advance.

The control unit 51 transmits the contents of service usage by the user as a usage log to the agency homepage at the link source.

The storage unit 53 has a contract database 53A for storing contract information, a customer database 53B for storing customer information, and the like. The communication control unit 55 controls communication with the user terminal 1 of each company, the agency server 3, and the Internet host 7.

The Internet host 7 is a computer that synchronizes and holds the same information as the information on the entire insurance business of the main host 9, and is necessary for the insurance business service in response to a request from the insurance company server 5. Provide information. Further, in cooperation with the insurance company server 5, an insurance business service such as renewal of a contract is realized. In addition, the Internet host 7 provides renewal information regarding renewal of the contract,
The insurance information is acquired from the insurance company server 5 and transmitted to the main host 9 by online processing or batch processing.

The main host 9 is a computer for managing the entire insurance business of the insurance company. The main host 9 receives sales information, renewal information, and the like from the Internet host 7, and stores and manages the information. Further, the main host 9 supplies the latest information on each insurance product and service to the Internet host 7.

Next, the flow of processing in this system will be specifically described with reference to FIG. For example, an employee of the company A selects “insurance” from the portal site D1 for the company A using the user terminal 1 of the company. In response, the user terminal 1 accesses the agent homepage of the insurance agent of the company A managed by the agent server 3. In response to this access request, the agency server 3 provides the agency home page information D2 of the company A to the user terminal 1.

The employee of the company A selects "insurance" from a plurality of processing menus prepared on the agency homepage D2 of the insurance agent of the company A to purchase an insurance product. In response to the selection of “insurance”, the agency server 3 accesses a predetermined site of the insurance company server 5.
The insurance company server 5 displays an insurance business service screen D3 corresponding to the agency via the agency server 3 based on the URL or the like of the linking agency homepage.
To supply.

The employee of the company A has the insurance business service screen D
For example, "sales" is selected from among the processing menus prepared in Step 3. In response, the insurance company server 5
The sales screen data for selling each insurance product is supplied to the user terminal 1 via the agency server 3. Sales screen D4
Then, for example, the contractor is caused to select a purchased product, and an input of predetermined items (such as personal information of the contractor) for contract application is accepted. The insurance company server 5 performs predetermined contract processing including registration of customer information in the customer database 53B and registration of contract information in the contract database 53A based on the input data. Further, the insurance company server 5 transmits the use log of the employee of the company A to the agency homepage of the insurance agent of the company A. Thereby, the employee of the company A can purchase a desired insurance product via the Internet.

When an employee of company A wants to consult an agency about insurance products, the user can select "mail" from the processing menu prepared on company A's website D2.
Select In response to the selection of the “mail”, the agency server 3 sends the company A from the homepage database 33A.
Is supplied to the user terminal 1 with the input form D5 of the mail addressed to the insurance agent.

The employee of the company A inputs consultation items concerning insurance on the input form D5 for e-mail to the insurance agent, and presses a predetermined button on the e-mail input form D5. In response to this, the input data is transmitted to the agency server 3, and the agency server 3 sends a mail addressed to the insurance agency based on the data received from the user terminal 1 to a predetermined mail server on the Internet. Then, the person in charge of the insurance agent of the company A accesses the mail server or receives the notification from the mail server, finds out that the mail addressed thereto has been received, and downloads the mail from the mail server. . Then, the person in charge of the insurance agent answers the consultation to the employee of the company A by telephone, mail, mail, or the like. Thereby, the employee of the company A can consult about insurance via the Internet.

In this manner, the agent homepage for providing the insurance business service is provided in the agent server 3, and the insurance company server 5 is provided according to the access from the user.
In addition to planning insurance business in cooperation with the agency, accept simple questions from policyholders on the agency website and notify the agency by email. As a result, a highly convenient insurance business service system capable of performing various insurance business using the Internet can be realized. Further, since the procedure between the agent (or the insurance company) and the user can be electronically processed, the efficiency of the business can be improved.

Further, each agent has an agent terminal, and a secure network is constructed between the agent terminal and the insurance company server 5. Further, the insurance company server 5 is provided with a maintenance program for each agency. Thereby, the person in charge of each agency connects to the insurance company server 5 from the agency terminal, and manages the agency homepage managed by the agency server 3 and the content (company information, news, etc.) referred to on the homepage. Generation
Change processing is performed. Similarly, it is possible to connect to the insurance company server 5 from the agency terminal and obtain and analyze a use log for the own agency managed by the agency server 3.

Further, the agency server 3 may have personnel information of each company, and perform the identity authentication processing of the accessor. Further, the personal authentication processing may be performed by a predetermined server in each company. Further, authentication means by the agency server 3 and authentication means by a company may be mixed.
For example, personal authentication may be performed in the company A, and personal authentication may be performed in the agency server 3 for the companies B and C.

The menus and contents provided on the agency homepage are not limited to the above description, and are arbitrary. Various contents are provided according to alliances with other industries, such as travel information, book information, food information, and the like. May be provided.

Further, in the above description, the agency server connects to the insurance company server 5 on behalf of the user terminal 1, but the present invention is not limited to this. 1 may be notified to the insurance company server 5 so that the insurance business service is exchanged between the insurance company server 5 and the user terminal 1.

Also, a link to a page (insurance page) for providing an insurance business service is provided on a portal site provided by a company that conducts online business (net company) to members of the net service. According to the selection of the prepared various insurance business menus, the server of the Internet company and the insurance company server 5 may cooperate to provide the insurance business service to the members of the network service. In this case, for example, the member Q of the net service
Accesses the portal site provided by the network service to which the user subscribes, and selects the item “insurance” for using the insurance business service from various service menus on the portal site. In response to this, the management server of the internet company accesses the linked insurance company server 5, acquires the insurance business service screen of the insurance company server 5, and provides it to the member Q. Then, the insurance company server 5 receives a request from the terminal of the member Q via the management server of the network company and executes a predetermined insurance business process.

Further, one agency server 3 may store one agency homepage.

It should be noted that the system according to the present invention can be realized using an ordinary computer system without using a dedicated system. For example, by installing the program from a medium (floppy (registered trademark) disk, CD-ROM, or the like) storing a program for causing a computer to execute the above-described operation, the user terminal 1, which executes the above-described processing, An agency server 3, an insurance company server 5, an Internet host 7, a main host 9, and the like can be configured. In the case where the above-described functions are realized by the OS sharing or the OS and the application being jointly used, only the part other than the OS may be stored in the medium.

It is also possible to superimpose a program on a carrier wave and distribute the program via a communication network. For example, the program may be posted on a bulletin board (BBS) of a communication network and distributed via the network. Then, by starting this program and executing it in the same manner as other application programs under the control of the OS, the above-described processing can be executed.

[0045]

As described above, according to the present invention,
By accessing the insurance business service menu provided by the insurance company server that provides insurance business services from the service menu provided by the agency server and providing insurance business services, users (contractors, customers, etc.) and agents In addition, it is possible to improve the convenience for the person in charge, etc., and to improve the work efficiency by digitizing the insurance business which has conventionally had many human factors.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of an insurance business service system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a configuration of an agency server.

FIG. 3 is a diagram illustrating an example of an agency homepage.

FIG. 4 is a diagram illustrating a configuration of an insurance company server.

FIG. 5 is a diagram for explaining agency information.

FIG. 6 is a diagram illustrating an example of an insurance business service screen.

FIG. 7 is a diagram for specifically explaining the flow of processing in the insurance service system of FIG. 1;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 User terminal 3 Agent server 31 Control part 33 Storage part 33A Homepage database 35 Communication control part 5 Insurance company server 51 Control part 53 Storage part 53A Contract database 53B Customer database 55 Communication control part 7 Internet host 9 Main host

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Yoshiyuki Nakai 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Inside the Tokyo Marine Insurance Co., Ltd. (72) Inventor Atsushi Ito 1-2-1, Marunouchi, Chiyoda-ku, Tokyo No. Tokyo Marine Insurance Co., Ltd. (72) Muneda Machida Inventor 1-2-1, Marunouchi, Chiyoda-ku, Tokyo (72) Inventor Hiroyuki Inoue 1-2-1, Marunouchi, Chiyoda-ku, Tokyo No. 1 Tokyo Marine Fire Insurance Co., Ltd. (72) Inventor Teruaki Tanaka 1-2-1, Marunouchi, Chiyoda-ku, Tokyo (72) Inside Tokyo Metropolitan Marine Fire Insurance Co., Ltd. 1-2-1 East Tokyo Marine Insurance Co., Ltd. F-term (reference) 5B049 BB11 BB47 CC05 CC08 DD01 EE05 FF03 FF04 GG04 GG07 5E501 AA09 AC25 DA02 FA05 FA43 FA45

Claims (5)

[Claims] An insurance business service system comprising a user terminal connected to a network, an agency server, and an insurance company server, wherein the agency server has an agency homepage, In response to the access, supply a corresponding agency homepage, and when a predetermined service item is selected from a service menu provided on the agency homepage, access a predetermined site of the insurance company server; The insurance company server responds to the access from the agency server and selects and supplies an insurance business service menu screen corresponding to the linking agency homepage from a plurality of insurance business service menu screens. Perform predetermined insurance business processing in response to the selection of the insurance business service item from Insurance business service system whose serial transmits the execution contents of the insurance business processing to the agency server, characterized in that. 2. The service menu provided on the agency homepage includes a service for supplying contents, a service for receiving an input from a user and transmitting the input data to a predetermined address by mail, The insurance business service system according to claim 1, comprising at least one of the following service items. 3. The insurance company server, when a predetermined insurance business service is selected in the insurance business service menu, performs personal authentication, and when the check result indicates normal, the insurance company server according to the selection. The insurance business service system according to claim 1, wherein the insurance business service system executes business processing. 4. An agent server for a system for providing insurance business services via a network, having an agent homepage, and supplying the corresponding agent homepage in response to access from a user terminal. When a predetermined service item is selected from a service menu provided on the agency homepage, a predetermined site of the insurance company server is accessed, and the insurance business service menu managed by the insurance company server is accessed. An agency server for supplying to user terminals. 5. The service menu on the agency homepage includes at least one of a service for supplying contents and a service for receiving an input from a user and transmitting the input data to a predetermined address by mail. The agency server according to claim 4, comprising a service item.