JP2002007716A - Insurance information managing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance information managing system that makes insurance coverage divided proportionally to insurance companies, having obligation to pay the insurance coverage. SOLUTION: This insurance information management system manages the information of insurance involved in cards, is provided with an owned card information DB 21 for storing respective pieces of information on a plurality of cards owned by a user, a card-accompanying information DB 22 for storing information on insurance merchandise attached respectively to the plurality of the cards and a compensation information DB 23 for storing information about contents compensated for by the insurance merchandise, and is connected to a network by a data transmitting and receiving means 31. When the user reports an accident, all the cards owned by the user are searched for from an owned card-retrieving means and insurance merchandise attached to cards which can compensate for the accident is extracted. Next, the means 31 notifies the insurance companies that offer the extracted insurance merchandise of a payment request for insurance coverage.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance information management system for managing insurance information attached to a card.

[0002]

2. Description of the Related Art Conventionally, many cards such as credit cards are provided with accident insurance for overseas travel. When a holder of such a card encounters an accident while traveling abroad, a predetermined insurance money is paid from the insurance company by contacting the insurance company with the card holder or the like. In such ancillary card insurance, if the card holder involved in the accident has more than one card, each insurance company that provides insurance products attached to each card apportions the insurance money proportionally. You have to pay.

[0003]

However, if the person (card holder) who had the accident reported the accident only to a specific insurance company, the insurance company required to pay the insurance would be However, the person having the accident cannot know what kind of card they have. Because of this, the person who was involved in the accident,
Even if you have a card with an insurance product that can compensate for the accident, a situation arises in which the specific insurance company notified of the accident must cover the entire amount. Conversely, there is a problem in that an insurance company that has not been notified of an accident cannot fulfill it despite having to pay insurance claims.

Accordingly, an object of the present invention is to solve the above-mentioned problems and to provide an insurance information management system in which an insurance company which is obliged to pay insurance money apportions the insurance money.

[0005]

An insurance information management system according to the present invention is a system for managing insurance information attached to a card, and a possession card for storing information on each of a plurality of cards possessed by a user. Information storage means, card accessory information storage means for storing information on insurance products attached to each of the plurality of cards, compensation information storage means for storing information on contents to be compensated by the insurance products, Card information registration means for storing information about the card in the possession card information storage means, and a plurality of cards possessed by the user are retrieved from the possession card information storage means when the user requests insurance payment. Possession card searching means, and the security associated with each of the plurality of cards retrieved by the possession card searching means. The product is retrieved from the card-attached information storage means, the contents of compensation for the retrieved insurance product are retrieved from the compensation information storage means, and the contents of the retrieved compensation and the accident that caused the user to request insurance payment are retrieved. The insurance product extraction unit that extracts all insurance products that can compensate for the accident by comparing the contents and the insurance product that provides the insurance products extracted by the insurance product extraction unit is provided by the user to the insurance company. Payment request notification means for notifying that a request has been made.

[0006] As described above, since the possessed card information storage means for storing information on each of a plurality of cards possessed by the user is provided, the user of the accident is notified of the accident (request for insurance payment). If there is, the insurance information management system can search for all the cards possessed by the user by specifying the contacting user. This eliminates the need for the user to check all the insurance contents attached to each of a plurality of cards owned by the user and individually contact each insurance company of the accident. In addition, since a card accessory information storage unit that stores information about insurance products attached to the card and a compensation information storage unit that stores information about compensation contents of each insurance product are provided, each of the plurality of cards has An insurance product that can compensate for the accident that has occurred can be extracted from the performed insurance products. In addition, the insurance company providing the insurance product extracted by the above means is provided with a payment request notification means for notifying a request for insurance payment, whereby the insurance product attached to the card possessed by the user is provided. Of these, all the insurance companies that are obliged to compensate for the accident that occurred can be contacted, so that each insurance company can apportion the insurance money.

The insurance information management system further includes insurance company information storage means for storing the contact information of the insurance company, and the payment request notifying means stores the contact information of the insurance company stored in the insurance company information storage means. Based on the notification, the insurance company may be notified that the user has requested insurance payment.

By providing the insurance company information storing means storing the contact information of the insurance company, it is possible to smoothly notify the insurance company of the insurance money payment request.

Further, the insurance information management system further includes an issuing company information storing means for storing contact information of the card issuing company, and the possession card searching means based on the contact information stored in the issuing company information storing means. Then, the validity of the card may be inquired to the issuing company of each of the plurality of cards possessed by the user.

[0010] The issuing company information storing means storing the contact information of the card issuing company is provided in this way, and the validity of the card is inquired to each issuing company based on the contact information stored in the issuing company information storing means. Thereby, it is possible to confirm whether the card possessed by the user is still valid when the user encounters an accident.

The insurance information management system according to the present invention is a system for managing insurance information attached to a group to receive a predetermined service, and stores information on each of a plurality of groups to which a user belongs. A group information storage unit, a group additional information storage unit for storing information on insurance products attached to each of the plurality of groups, a compensation information storage unit for storing information on contents to be compensated by the insurance products, A belonging group information registering means for storing information about a plurality of groups to which the user belongs in a belonging group information storing means, and a plurality of groups to which the user belongs when each user requests insurance payment. By means of belonging group search means and belonging group search means The insurance products attached to each of the plurality of searched groups are searched from the belonging group information storage means, the contents of compensation for the searched insurance products are searched from the compensation information storage means, and the searched compensation contents and the user Providing insurance product extraction means for extracting all insurance products that can compensate for the accident by comparing the details of the accident that caused the payment of the insurance product, and insurance products extracted by the insurance product extraction means Payment request notifying means for notifying the insurance company that has made a request for insurance payment from the user.

As described above, since there is provided belonging group information storage means for storing information on each of a plurality of groups to which the user belongs, the user of the accident is notified of the accident (request for insurance payment). If there is, the insurance information management system can search all the groups to which the user belongs by specifying the contacting user. This eliminates the need for the user to check all the insurance contents attached to each of the plurality of groups to which the user belongs and to individually contact each insurance company about the accident. In addition, since a group additional information storage unit that stores information about insurance products attached to the group and a compensation information storage unit that stores information about compensation contents of each insurance product are provided, each An insurance product that can compensate for the accident that has occurred can be extracted from the performed insurance products. Also,
The insurance company providing the insurance product extracted by the above means is provided with a payment request notification means for notifying a request for insurance payment, so that the insurance product attached to the card possessed by the user is provided. Since all the insurance companies that are obliged to compensate for the accident that has occurred can be contacted, each insurance company can apportion the insurance money. In addition, "the group receiving the predetermined service"
It is an aggregate composed of users who can receive the same service, for example, a group consisting of credit card holders who can do credit transactions, and gas stations that can receive gasoline charges and inspection services. Members and mobile phone subscribers who receive mobile phone services are included. In addition, “insurance accompanying a group” means that by belonging to a predetermined group,
This insurance is to be automatically subscribed to by all users constituting the group, and includes, for example, overseas accident insurance attached to a credit card.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of an insurance information management system according to the present invention will be described below in detail with reference to the drawings. In the description of the drawings, the same elements will be denoted by the same reference symbols, without redundant description.

FIG. 1 is a diagram showing a configuration of an insurance information management system 10 according to the present embodiment. Insurance information management system 1
0 is connected to the network 60, and the card issuing company terminal 40 of the card issuing company and the insurance company terminal 5 of the non-life insurance company (hereinafter referred to as “insurance company”).
0 is communicable.

The insurance information management system 10 includes a possessed card information database (hereinafter, referred to as a "carried card information DB") 21, a card accompanying information database (hereinafter, referred to as a "card accompanying information DB") 22, and a compensation information database (hereinafter, referred to as "card accompanying information DB"). “Compensation information DB”) 23, issuing company information database (hereinafter “issuing company information DB”) 2
4 and an insurance company information database (hereinafter referred to as “insurance company information DB”) 25.

The possession card information DB 21 stores information on a plurality of cards possessed by the user.
B, and has respective data as shown in FIG. That is, the possession card DB stores the user I assigned by the insurance information management system 10 to identify the user.
D, a user name, the type and card number of a card possessed by the user, and data on the expiration date of the card. The possession card information DB 21 may also store detailed information such as a user's telephone number and address. In FIG. 2, “XXX” is a credit card such as VISA (registered trademark) or JCB (registered trademark).

The card accessory information DB 22 is a DB for storing information on insurance products attached to the card, and is shown in FIG.
As shown in FIG. 5, the data includes the type of card, the card issuing company that issued the card, the insurance product attached to the card, and the insurance company that provides the insurance product.

The compensation information DB 23 is a DB for storing the compensation contents to be compensated by each insurance product by classifying them for each accident content, as shown in FIG. It has data on compensation for each accident.

The card issuing company information DB 24 and the insurance company information DB 25 are DBs storing contact information of the card company and the insurance company, respectively, and as shown in FIGS. 5 and 6, an E-mail address and a FAX number, respectively. , Telephone numbers, and addresses.

The insurance information management system 10 also has a possession card information registration unit 32 for registering information about a card possessed by the user in the possession card information DB 21.
A possessed card search unit 33 for retrieving a card possessed by the user from the possessed card information DB 21, an insurance product extracting unit 34 for extracting insurance products applicable to an accident in which the user possessed the card has been encountered, Payment request notification means 3 for notifying the providing insurance company of a request for insurance payment
And 5. Furthermore, insurance information management system 1
0 is the card issuing company terminal 4 via the network 60
0 and data transmission / reception means 31 for transmitting / receiving data to / from the insurance company terminal 50.

Next, the function of each element will be described.

The possession card information registration means 32 stores the user I
D, a user name, and a function of registering, in the possession card information DB 21, information on a card type, a card number, and an expiration date for each of a plurality of cards possessed by the user.

The possession card search means 33 uses the user ID as a key to retrieve information about a card possessed by the user specified by the user ID into a possession card information DB.
21 has a function of searching.

The insurance product extracting means 34 has a function of extracting an insurance product that can compensate for the accident from the card possessed by the user and the content of the accident that has occurred. That is, the insurance product attached to the card possessed by the user is searched from the card attachment information DB 22, and the content of the accident compensated by the searched insurance product is searched from the compensation information DB 23. Then, the generated accident is collated with the contents of compensation, and insurance products that can compensate for the accident are extracted. At this time, if a plurality of insurance products out of the insurance products attached to each of the plurality of cards possessed by the user can compensate for the accident, a plurality of insurance products are extracted.

The payment request notifying means 35 has a function of requesting the insurance company to pay the insurance money caused by the accident to pay the insurance money to the user having the accident.

Next, the operation of the insurance management information system of this embodiment will be described with reference to the flowchart shown in FIG.

First, the possession card information registration means 32 registers information about a card possessed by the user in the possession card information DB 21 (S10). Here, data registered in the possession card information DB 21 includes a user name, a user I
D and the like, and card information including a card type, a card number, and an expiration date. Possession card information D
The information registered in B21 may be obtained from the user by the user's self-report, or information about the user may be provided from a card issuing company. Like the former,
In the case of self-report by the user, a method of preparing a predetermined card information registration form at a site provided by the insurance information management system 10 and allowing the user to input information is conceivable. When acquiring user information from the card issuing company, it is conceivable that the user information transmitted from the card issuing company terminal 40 is received by the data transmitting / receiving means 31 and subsequently registered by the possessed card information registering means 32. Can be

Next, when a user is involved in an accident, the user or a person concerned is notified of the accident (S1).
2). At this time, information on the user ID of the user who has encountered the accident and the content of the accident is received. Possession card search means 33
Receives the notification of the accident, searches the possessed card information DB 21 for a card possessed by the user who has experienced the accident (S14). That is, using the notified user ID as a key, the possession card information DB 21 is searched, and all the cards possessed by the user are searched. Subsequently, the possessed card search unit 33 checks the validity of the searched card (S16). That is, the contact information of the card issuing company owned by the user is searched from the issuing company information DB 24, and the inquiry data for confirming the validity of the card is transmitted to the card issuing company terminal 40 of the searched card issuing company. . Then, the possessed card search means 33 receives response data relating to card validity from the card issuing company terminal 40 through the data transmission / reception means 31. Only the cards that the possession card search means 33 determines to be valid based on the response data will be used in the subsequent processing.

Next, the insurance product extraction means 34 stores the insurance products attached to the retrieved card in the card information DB 22.
(S18). Next, the contents of the compensation covered by the retrieved insurance product are searched from the compensation information DB 23 (S20). Then, the searched compensation contents are compared with the contents of the accident that the user has encountered (S22), and all insurance products that can compensate for the accident that the user has encountered are extracted (S24). At this time, the insurance company that provides the insurance product is also extracted.

Then, the payment request notifying means 35 searches the insurance company information DB 25 for the contact information of the insurance company, specifies the insurance company terminal 50 of the insurance company based on the searched contact information, and specifies the insurance company payment. The request is notified (S26). At this time, information for specifying the user of the user who has experienced the accident, details of the accident, and information of other insurance companies to which the insurance money should be paid are notified.

Next, Yamada K of the user ID "15309"
In the case where the husband is injured in an accident at a travel destination as an example, the insurance information management system 1 starts from the accident report (S12).
0 notifies the insurance company of the insurance payment request (S2
The flow up to 6) will be specifically described. First, Mr. K. Yamada notifies the insurance information management system 10 of the fact that the accident occurred, and requests payment of insurance money. At this time, Yamada K
The husband notifies the insurance management system 10 that the user ID is “15309” and the details of the accident. In addition,
In the above, K. Yamada himself has the insurance information management system 10
If Kada Yamada died in an accident or is in a coma,
The husband's family may notify the insurance information management system 10 of the accident. The possession card search means 33 of the insurance information management system 10 searches the possession card information DB 21 using the user ID as a key, and retrieves the card possessed by Mr. K. Yamada. As shown in FIG. 2, Mr. K. Yamada
A search is made to have three cards XX, YYY, and ZZZ. Subsequently, the possessed card searching means 33 searches the issuing company DB for contact information of each of the card issuing companies XXX, YYY, and ZZZ. Then, the possessed card searching means 33 transmits inquiry data for inquiring each card issuing company whether the card possessed by Mr. Yamada is valid or not. At this time, each card issuing company is notified of the card number of the card possessed by Mr. K. Yamada, thereby clarifying the card to be inquired. Subsequently, when the data transmission / reception means 31 receives response data on the validity of the card from each card issuing company by the data transmitting / receiving means 31, the insurance information management system 10 determines the validity of the card based on the response data. As a result of the card validity determination, the possessed card search unit 33 extracts all cards that are still valid as possessed cards of Mr. K. Yamada. Here, it is assumed that all the cards XXX, YYY, and ZZZ are valid.

Next, the insurance product extracting means 34 can be applied based on the card possessed by Mr. K. Yamada extracted by the possessing card searching means 33 and the content of the accident that Mr. K. Yamada has encountered. Extract the best insurance products. First, the insurance product extraction means 34 uses XXX, Y possessed by Mr. K. Yamada.
The insurance product attached to each card of YY and ZZZ is searched from the card attachment information DB22. As shown in FIG. 3, “XXX” indicates “travel accident insurance A” provided by F Fire, “YYY” indicates “travel insurance B” provided by G Marine, and “Z”.
It can be searched that ZZ is provided with each insurance product of “Travel Insurance C” provided by H Insurance. Subsequently, the insurance product extraction unit 34 searches the compensation information DB 23 for the contents of compensation to be compensated by each searched insurance product. Then, the searched contents are collated with the contents of the accident that Mr. Yamada has encountered. In this example, since Mr. K. Yamada was injured in the accident, the travel accident insurance A and the travel insurance C correspond when searching for insurance products that can compensate for the injury caused by the accident during the trip. Accordingly, the insurance product extraction means 34 extracts the travel accident insurance A and the travel insurance C as insurance products that can compensate for the accident that Mr. K. Yamada has encountered.

The payment request notifying means indicates the contact information of the insurance company providing the insurance product extracted as described above in FIG.
From the insurance company information DB shown in FIG. Here, the contact information for F Fire, which provides travel accident insurance A, is fka@sai.co.jp
And contact information for H insurance that provides travel insurance C
Search for hho@ken.co.jp. Then, a request for insurance payment to Mr. K. Yamada is transmitted to the insurance company terminal 50 having these addresses. At this time, the details of the accident that Mr. K. Yamada had, the card number of the card held by Mr. K. Yamada, and the type of other insurance products owned by Mr. K. Yamada were notified, and the insurance payment was made. Notify the request. That is, it is notified that the fire insurance F has an obligation to pay the insurance money for the fire F, and that the fire insurance F also has an obligation to pay the insurance money for the fire insurance H. Thereby, the F fire and the H insurance can smoothly distribute the insurance money to Mr. K. Yamada. Here, the request for insurance payment is made by e-mail, but the request for insurance payment is
The notification may be made by AX, or in some cases, by telephone or mail.

Next, the effect of the insurance information management system of the present embodiment will be described.

The insurance information management system 10 of the present embodiment
When a user is notified of an accident, the user searches for a card possessed by the user, and pays an insurance company that is obliged to compensate for the accident caused by the user with the insurance product attached to the searched card. We will notify you of the payment request,
An insurance company that is obliged to pay the insurance money can apportion the insurance money to be paid to the user. In addition, it is possible to prevent a situation in which a user who has suffered an accident fails to contact the insurance company and the insurance company that should pay the insurance money cannot fulfill the payment of the insurance money.

Further, for the user, if the user ID and the details of the accident are notified to the insurance information management system 10, the trouble of checking the insurance products attached to each card and individually contacting each insurance company is eliminated. You can enjoy the advantage of disappearing. Further, even if the person who has been involved in the accident dies or is in a coma, the family or the like informs the insurance information management system 10 of the user ID and the details of the accident, so that the family may be involved in the accident. Even if you don't know exactly which card the person in possession has, you can still get insurance.

Although the embodiments of the present invention have been described in detail, the present invention is not limited to the above embodiments.

In the above embodiment, the insurance information management system 10 for managing the insurance information attached to the card has been described. However, the present invention is not limited to the insurance attached to the card, but includes the card. Even if it does not, it can be widely applied to insurance attached to a group receiving a predetermined service. For example, information on the group credit life insurance attached to the certificate loan may be managed. Further, when insurance is attached to a member organization (group) that can make a payment at a predetermined site on the Internet, information on the insurance may be managed.

In the above embodiment, the possessed card searching means 33 transmits inquiry data to each card company after searching for a card possessed by the user and inquires about the validity of the card. Is not necessary. In other words, insurance products may be extracted on the assumption that the card is valid, and each insurance company may be notified of a request to pay insurance money. Since the possession card searching means 33 does not transmit the inquiry signal to the card company terminal in this way, the configuration of the insurance information management system 10 can be simplified.

In the above embodiment, the information about the card possessed by the user is registered in advance in the possession card information DB 21 of the insurance information management system 10, but the registration is not necessarily required in advance. That is, the user may contact the insurance information management system 10 in the event of an accident, and register information on the card possessed by the user simultaneously with the report of the accident. By operating the insurance information management system 10 in such a flow, it is possible to broaden the range in which the insurance information management system 10 can be used.

[0041]

According to the insurance information management system of the present invention, since information on each of a plurality of cards possessed by the user is stored in the possessed card information storage means, when the user is notified of an accident, Can search for each card owned by the user and request an insurance company that provides insurance products that can compensate for the accident to pay the user an insurance money. Thereby, each insurance company can apportion the insurance money. In addition, the insurance company reports that if a user who has an insurance contract has an accident, it is unable to fulfill the obligation to pay the insurance due to omission of communication from the user, despite the obligation to pay the insurance. Can be resolved.

On the other hand, the user informs the insurance information management system of the accident, and the insurance information management system checks the contents of the accident and the contents of the insurance product, and requests each insurance company to pay the insurance money. Since the notification is made, there is no need to individually notify each insurance company of the accident.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an insurance information management system.

FIG. 2 is a diagram showing a possession card information database.

FIG. 3 is a diagram showing a card incidental information database.

FIG. 4 is a diagram showing a compensation information database.

FIG. 5 is a diagram showing an issuing company information database.

FIG. 6 is a diagram showing an insurance company information database.

FIG. 7 is a diagram showing a flow of operation of the insurance information management system.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 ... Insurance information management system, 20 ... Database group, 21 ... Card information database, 22 ... Card information database, 23 ... Compensation information database, 24 ... Issuing company information database , 25 ... Insurer information database, 31 ... Data transmission / reception means, 32
.. possession card information registration means, 33 ... possession card search means, 34 ... insurance product extraction means, 35 ... payment request notification means, 40 ... card issuing company terminal, 50 ... insurance company Terminal, 60... Network.

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Kazuya Takami 336-1-519 Kusue, Takatsu-ku, Kawasaki City, Kanagawa Prefecture (72) Takashi Kanzawa 1-33--4-103, Maruyama, Isogo-ku, Yokohama-shi, Kanagawa Prefecture 72) Inventor Ryosuke Nagayama 2-3-27 Numa, Zushi City, Kanagawa Prefecture F-term (reference) 5B055 BB16 EE27 FA01 FB03 FB04 KK00

Claims (4)

[Claims] 1. A system for managing insurance information attached to a card, comprising: possessed card information storage means for storing information on each of a plurality of cards possessed by a user; and insurance attached to each of the plurality of cards. Card accompanying information storage means for storing information about the product, compensation information storage means for storing information about the contents of the insurance product to be compensated, and information about the plurality of cards possessed by the user as possessed card information Possession card information registration means to be stored in a storage means, and possession card search means for retrieving each of a plurality of cards possessed by the user from the possession card information storage means when the user requests insurance payment. An insurance product attached to each of the plurality of cards retrieved by the possession card retrieval means. The compensation information of the insurance product retrieved from the card incidental information storage means is retrieved from the compensation information storage means, which causes the retrieved compensation content and the user to request insurance payment. Insurance product extraction means for comparing all the insurance products capable of compensating for the accident by comparing the contents of the accident with the insurance product, and an insurance company providing the insurance products extracted by the insurance product extraction means. And a payment request notifying means for notifying that the user has requested insurance payment. 2. An insurance company information storage unit storing contact information of the insurance company, wherein the payment request notification unit is based on the contact information of the insurance company stored in the insurance company information storage unit. The insurance information management system according to claim 1, wherein the insurance company is notified that the user has requested insurance payment. 3. An issuing company information storing unit storing contact information of the issuing company of the card, wherein the possessed card searching unit is configured to allow a user based on the contact information stored in the issuing company information storing unit. 3. The insurance information management system according to claim 1, wherein the validity of the card is inquired to an issuer of each of the plurality of cards. 4. A system for managing insurance information attached to a group receiving a predetermined service, comprising: group information storage means for storing information on each of a plurality of groups to which a user belongs; Group supplementary information storage means for storing information about insurance products attached to each, compensation information storage means for storing information about contents to be compensated by the insurance products, information about the plurality of groups to which the user belongs Group information registering means for storing in the belonging group information storing means, and when the user requests insurance payment, a plurality of groups to which the user belongs are retrieved from the belonging group information storing means. Belonging group search means, and a search performed by the belonging group search means The insurance products attached to each of the plurality of groups are retrieved from the belonging group information storage unit, and the contents of compensation for the retrieved insurance products are retrieved from the compensation information storage unit. The insurance product extraction unit that compares the contents of the accident that caused the user to request the payment of the insurance money and extracts all the insurance products that can compensate for the accident, and the insurance product extraction unit A payment request notification unit that notifies the insurance company that provides the extracted insurance product that the user has requested insurance payment.