JP2002032577A - Method and system for agent intervention type insurance sale - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently carry out agent intervention type insurance sale business by the same procedure and system by connecting a customer inviting site of the company to various sites that compare insurances at sites which are already opened or to be opened in future. SOLUTION: A promising customer information file is generated in a computer system by inputting customer information inputted at various sites on the Internet and individual pieces of promising customer information in the promising customer information file are contracted with individual pieces of agent information in an agent information file prepared separately in the computer system, and selected promising customers are distributed to selected agents according to specific properties and reported to the selected agents. The agents having received the report start negotiating insurance sale contracts with the selected promising customers.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an agent-mediated insurance sales method and system using a communication network such as the Internet.

[0002]

2. Description of the Related Art In the sales business of various insurances such as car insurance, fire insurance, disability insurance, and life insurance, traditionally,
An insurance sales form in which a salesperson belonging to an insurance company agency visits each customer and obtains an insurance contract has been common. However, in recent years, with the spread of various communication networks such as personal computers and the Internet, in the insurance sales business, the insurance company has replaced, or in parallel with, traditional sales by door-to-door sales staff. Various Internet sites provided by various providers,
For example, a method of selling insurance using a company-specific premium comparison site has begun to be adopted.

In the conventional insurance sales format using such an Internet site, a customer who wants to take out insurance accesses a site provided by a desired provider and responds to various instructions on the site screen. Customer information or data, for example, in the case of car insurance, name, address, owned car type, gender, age, family composition, etc. are input. In response to this, a call center representative of an insurance company, for example, obtains customer information input on the site and manually prepares an insurance premium quote to deal with the customer.

[0004]

(1) Considering the contract procedure and the follow-up after the contract, the most appropriate agent should negotiate with the customer according to the attributes of the customer as follows. Since there was no system for determining which agency to assign to a customer attribute, as a result, all had to be dealt with at a call center. (A) An agent suitable for the attributes of the customer, such as sex, occupation, age, etc., should be in charge. (B) An agent close to the customer's location should be in charge of fairness. (C) However, agents with a high contract rate should be in charge of many customers. (2) Since the creation of the insurance premium estimate was performed manually, if a large amount of customer information was obtained, it was not possible to respond quickly to the customer, and as a result, in many cases, the contract was not concluded. (3) Customer information and quote information obtained from the site
It is possible to perform insurance premium calculation processing, estimate creation processing, and contract accounting processing only when the information is correctly input to the host computer, but since there is no interlocking system, it must be performed manually, resulting in In some cases, incorrect estimates could be made. (4) In addition, if the agency or the call center does not respond to the customer entered on the site, it will be a complaint to the company itself, and it is necessary to manage the response.

[0005] It is an object of the present invention to provide an agent-mediated insurance sales method and system which can solve the above-mentioned problems.

[0006]

According to one aspect of the present invention, a lead information file is created in a computer system by taking in customer information input from various sites on the Internet. And comparing the individual prospect information in the above with the individual agency information in the agency information file separately prepared in the computer system, and distributing the selected prospect to the selected agency based on a predetermined attribute. , Notifying the selected agent of the selected prospect to the selected agent, and the agent receiving the notification starts negotiation of the insurance sales contract with the selected prospect. An intervening insurance sales method is provided.

[0007] According to one embodiment of the present invention, the predetermined attribute is a postal code or gender or age or occupation.

[0008] According to another embodiment of the present invention, the predetermined attribute includes the number of distributions of each agency.

According to yet another embodiment of the present invention,
In the distribution of the prospective customer to the agency, priority distribution to the agency is performed by performing a count-up control of the number of distributions to each agency.

According to yet another embodiment of the present invention,
The notification to the agency is to notify only the data number of the selected prospective customer, and the agency acquires information of the prospective customer based on the data number.

According to yet another embodiment of the present invention,
If the selected agency has not started negotiations with the selected prospective customer even after a predetermined time has elapsed, a reminder is performed.

[0012] According to another aspect of the present invention, prospective customer information file creating means for creating a prospective customer information file by taking in customer information input at various sites on the Internet, and storing an agency information file. Agency information file storing means, individual prospect information in the prospect information file created by the prospect information file creating means, and individual prospect information in the agency information file stored in the agency information file storing means. By comparing with agency information, based on predetermined attributes,
Agency intermediation means for allocating the selected prospect to the selected agency, and agency distribution notifying means for notifying the selected prospect to the selected agency; A type insurance sales system is provided.

According to one embodiment of the present invention, the predetermined attribute is a postal code or gender or age or occupation.

According to another embodiment of the present invention, the predetermined attribute includes the number of distributions of each agency.

According to yet another embodiment of the present invention,
In order to perform priority distribution to the agency, the distribution of the prospective customer to the agency further includes a count-up control means for performing a count-up control of the number of distributions to each agency.

According to yet another embodiment of the present invention,
The notification to the agency is to notify only the data number of the selected prospect, and the agency can obtain the information of the prospect based on the data number. It further includes prospective customer information acquisition means.

According to yet another embodiment of the present invention,
If the selected agent has not started negotiations with the selected prospective customer after a lapse of a predetermined time, the system further includes an agency dunning means for dunning.

[0018]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be described in more detail with reference to the accompanying drawings according to embodiments and examples of the present invention.

FIG. 1 schematically shows an example of the configuration of a system for implementing an agent-mediated insurance sales method according to the present invention. This system is mainly composed of a first computer system 10 located at a central center managed by the headquarters of the insurance company, a second computer system 20 located at a branch office in charge, for example, and a branch office in charge. And a third computer system 30 arranged at each agency under the jurisdiction. These computer systems are interconnected via a suitable communication network such as the Internet. Also, at least the first computer system 10 located at the head office
Can obtain data from various sites 1 on the Internet provided by various providers via a dedicated line communication network. The third computer system 30 arranged at each agency is It is preferable that the personal computer 2 owned by each customer in the service area of each agent can be accessed via an appropriate communication network such as the Internet. The first computer system 10 mainly includes a host computer 11, a prospect management server 12, and a web-type online web server 13. Here, the web-type online refers to an online system using an Internet communication network.

FIG. 2 shows the first computer system 10.
3 is a schematic configuration diagram showing the relationship between the prospective customer management server 12 and the host computer 11 in more detail. As shown in FIG. 2, the prospect management server 12 includes a reception file 121, an agency information file 122, a prospect information master file 123, a host correspondence file (DB) 124, and a host upload file 125.
And The host computer 11 includes an application information file 111 and a contract information file 112.

First, the overall flow of the agent-mediated insurance sales business of the present invention using such a system will be schematically described. For example, a customer who wishes to apply for car insurance accesses various sites 1 on the appropriate Internet via the Internet using his / her personal computer 2 and names, addresses, and the like according to instructions on the site screen.
Enter required customer information or data, such as the type of vehicle owned, gender, age, family structure, etc. The insurance company's central center receives the customer data input by the various customers at the various sites 1 on the Internet as described above at the prospect management server 12 of the first computer system 10, and loads the data into the database 121. . The prospective customer management server 12 allocates, based on the customer data fetched into the database 121, which agency or call center is responsible for insurance sales for each customer according to the following logic. (1) If data from the same customer has been received in the past two days, the data is distributed to the previously allocated agency. (2) If you have already concluded our company contract, we will distribute to the call center by area from the zip code of customer data. (3) Refer to the customer's postal code (7 digits) and in the case of a special area (area where our agency cannot be assigned, such as a remote island), assign it to the special area call center. (4) Other customer data is the customer's postal code (3 digits)
Then, for example, matching is performed between the agency postal code table (agent information table) stored in the agency information file 122, and the responsible agency is extracted. (5) Next, other attributes of the customer (from gender, occupation, etc.)
Select a valid agency from the available agencies based on. (6) If a plurality of valid agents are selected, the agents are distributed to agents having a smaller number of times of distribution (agency information table).

Next, an e-mail is sent to the assigned agency and its in-house staff to the effect that the prospective customer information has been accepted. Further, it converts the received data on the server 12 into an in-house standard format and transfers the data to the host 11.

Based on the data number (No) written on the received e-mail, the agency opens a web-based online screen, calls customer data, automatically calculates insurance premiums on the web, and creates an application form. After that, it negotiates with the customer by e-mail or telephone and concludes a contract. If the agent has neglected such a task, the head office sends a reminder e-mail to the agent to prompt the user to start the task again two days later, for example.
Furthermore, when the beginning of the insurance contract on the customer data approaches, the head office again sends an insurance information e-mail to the agent.

The above is the overall flow of the agency-mediated insurance sales business of the present invention. The individual steps of such sales business will be described in detail below.

First, FIG. 3 to FIG. 5 show a list of an example of an input record definition for customer information which a customer who wants to subscribe to automobile insurance inputs according to an instruction on a site screen.

Next, the outline of the reception and data import processing of a prospect information file as shown in connection with the reception file 121 and the prospect information master file 123 in FIG. 2 will be described. First, a reception file check is performed on the reception file 121. If no file exists, the warning is ended. If a plurality of files exist, processing is performed in ascending order of numerical values of file names (year, month, day). Then, when data is added to the prospective customer information master file 123, a print serial number (a code required after the host transfer) is added. This printing serial number is assigned in a format as exemplified in FIG. 6, for example. As the necessary items of the prospective customer information master file 123, all the contents of the reception file 121 and the items shown in the table of FIG. 7 are necessary.

Next, the prospective customer information master file 12
The error check process for No. 3 is performed in the following procedure. (1) The error check is performed before sending the mail to the agency and converting the format for the host. The error check and the update of the database are performed after the import into the prospective customer information database is completed. (2) In the case of a fatal error that does not function as prospective customer information, E00 to E99 are sequentially set to error codes 01 to 20 with reference to the code table. If there is at least one code starting with E, "1" is set in error category 1. (3) If there is no problem with prospective customer information, but there is a logically inconsistent part, A00 to A
99 is sequentially set to the error codes 01 to 20. 1
If there is a code that starts with A even in the case,
1 "is set. (4) As a result, if there is no error, the error values of the error categories 1 and 2 are both kept at the initial value NULL. (5) The error check is performed in the above item (1) → the above. The error check is performed in the order of (2) and error codes 01 to 20 are set, and if there are 21 or more errors, the error check ends. After the check is completed, “1” is set to “error check completed” for the data. Thereafter, when the error category 1 is “1”, the progress management flag is changed to 9.

Next, the agency distribution logic based on customer attributes as described above will be described in more detail. As one of the agency distribution logics according to the present invention, it is conceivable to distribute customers to the agency based on a postal code which is one of the customer attributes. In this case, information necessary for the postal code distribution (table First, an agency information table is required. For example, agency information as illustrated in the table of FIG. 8 is stored in the agency information file 122 for sorting by postal code. From such an agency information table, the entire amount is changed before the agency assignment process in the daily process. Sort postal code entered for each entry agency (01-50)
For each case. Therefore, a maximum of 50 records are added for one entry agency. FIG. 9 shows an example of such a postal code distribution table. In addition, a postal code distribution view (VIEW) in which the total number of times of the transmission counter of the original agency information table and the cumulative total are connected is also prepared. FIG. 10 shows an example of such a postal code distribution view.

Next, a procedure for distributing customers to agencies using the prospective customer information master file 123 and the agency information file 122 as described above will be described. FIG. 11 and FIG. 12 show a distribution flow for explaining such a distribution procedure. First, in step S1 in FIG. 11, it is checked whether the same customer information exists in the past two days from the reception date (matching by mail address). If there is, step S
At 2, the same entry number as the previous transmission is selected, and the same customer prospect information writing process is performed. If it does not exist, it is checked in step S3 whether the “current insurance company” in the prospective customer information is its own company. And
If so, in step S4, the distribution view is searched using the first three digits of the postal code of the prospective customer information. Applicable 2
If not, the following is performed in step S5. (1) The corresponding distribution views are sorted in ascending order by (type, transmission number counter this month, transmission number counter total), and the agency information table updating process is performed with the top entry number as the determined agency. The meaning of the sort key as the type, the number of transmission counters this month, and the total number of transmission counters is as follows. (A) Type → In order to hit the effective agency (A) first. (B) The number of transmissions counter this month → The agency with the smaller counter is hit earlier. (C) Total number of transmission counters → Secondary key when there are a plurality of agencies with the same number of transmission counters in the current month. (2) The lead information writing process is performed using the entry number of one hit as a key.

If there is only one case, the following is performed in step S6. (1) Using the entry number of one hit as a key, an agency information table update process is performed. (2) The lead information writing process is performed using the entry number of one hit as a key.

If there is no match, in step S7, prospective customer information is sent to the call center.

In step S3, if the "current insurance company" of the prospective customer information is not its own company, the process proceeds to step S8 shown in FIG. 12, and the distribution view is searched using the seven digits of the postal code of the prospective customer. If there is only one case, the process proceeds to step S9, and the following is performed. (1) Using the entry number of one hit as a key, an agency information table update process is performed. (2) The lead information writing process is performed using the entry number of one hit as a key.

If there are two or more hits, step S1
At 0, the priority distribution attribute flags are checked in order from 01, and all agents that match the attributes of the customer are extracted.
If the number is one, the process proceeds to step S11 to perform the following. (1) Using the entry number of one hit as a key, an agency information table update process is performed. (2) The lead information writing process is performed using the entry number of one hit as a key.

If there are two or more hits, step S1
The following is performed in Step 2. (3) The corresponding distribution view is sorted in ascending order by (type, transmission number counter this month, transmission number counter total), and the agency information table is updated with the top entry number as the determined agency. The meaning of the sort key as the type, the transmission number counter this month, and the transmission counter total is as follows. (A) Type → In order to hit the effective agency (A) first. (B) The number of transmissions counter this month → The agency with the smaller counter is hit earlier. (C) Total number of transmission counters → Secondary key when there are a plurality of agencies with the same number of transmission counters in the current month. (4) The lead information writing process is performed using the entry number of one hit as a key.

In step S8, if there is no match, in step S13, the distribution view is searched using the first three digits of the postal code of the prospective customer. If there is one case, the process proceeds to step S9. If there are two or more cases,
Proceed to step S10. Also, if there is no match,
Proceeding to step S14, prospective customer information is sent to the call center.

Next, the outline of each processing as described above will be described in detail. (1) Points of the sorting logic In principle, the sorting area is specified by three digits of postal code. However, there are limitations in the following cases.

"100-" means Chiyoda-ku, Tokyo,
For example, in the case of Kasumigaseki Building, it is “100-0013”. On the other hand, Ogasawara-mura on the remote island is also "100-2101 / 2"
211 ”, and Oshima also says“ 100-0101.010 ”.
2 ”. Ogasawara-mura's agency (distribution registration“ 100
-0101 ") and an agent in Chiyoda Ward (Registration registration" 1 "
00- "), if the postal code of the prospective customer is" 100-0101 "," 10- "
There is a problem if it is assigned to the agency 0- ". In this case, if there is an entry of" 100-0101 ", it is preferable to assign it there. The entry is allowed only in the case that the contact cannot be made.The problem here is that if there is no agency that has entered "100-0101", it can be distributed to the agency of "100-". Therefore, type = B (special area)
By registering the agency as a dummy, "100-
"It can be controlled so that it is not assigned to an agency. Therefore, if there is no entry of a special area from an effective agency at the time of system start, it is necessary to perform dummy registration to some extent. (2) Agency information update processing Entry number Using the key as a key, each item of the agency information table is updated with the following specifications: (a) The total number of transmission counters = the total number of transmission counters +
1 (total number of transmissions made simply) (b) Transmission frequency counter current month = Transmission frequency counter current month +
Number of transmission counter increments * 1. The number of times that the number of calls is counted up differs depending on the agency. As described above, by performing the count-up control of the number of distributions of the agency, the priority distribution of the agency can be performed. That is, by controlling the count-up number of the number of distributions of the agency, it is possible to pass more prospective customer information to the agency having a higher contract rate. For example, if the agency is divided into an agency that counts the number of distributions as 10 times when turning the forecast information once and an agency that counts as 1 time, the latter agency is 10 times as large as the former agency. You will receive prospect information.

* 2. Every time the outgoing call counter this month is counted up, the outgoing call counter in the sorting view this month is also automatically increased. (3) Prospect information writing processing The section code of the department in charge, the name of the person in charge, the e-mail address of the person in charge, and the entry number selected from the entry number are set in the prospect information master file 123. Also, the content of “print serial number” is set in “parent print serial number”. (4) Prospect information writing process for the same customer (a) The responsible section branch office code, person in charge, person in charge e-mail address and entry number selected from the entry number are set in the prospect information master file. (B) Set 1 to the same prospective customer determination flag. (C) The “parent printing serial number” of the selected same prospect information is set to the “parent prospect printing serial number” of the own prospect information. (D) In this case, the agency information table transmission number counter does not count up.

Next, an example of the distribution logic will be described. FIG. 13 shows a mode of replacement from the agency information table. In the table of FIG. 13, the items are simplified.

Various examples of distribution of agents from postal codes of prospective customer information will be described with reference to a postal code distribution view in FIG. (A) When the postal code of the prospective customer is "104-0001" In the search using the first 7 digits of the postal code, there are no corresponding cases, and the search result entry No. using the first 3 digits is used. Only 5 agents hit 1 case. No. 5 agents (AAAAA)
0005). Therefore, No. 5 agency information transmission frequency counter total = 6 (5 + 1), transmission frequency counter current month = 33
(30 + 3). (B) When the postal code of the prospective customer is "100-0001" Two hits are found in the search using the postal code of 7 digits. Therefore, the data is rearranged by the counter. This is shown in FIG. Select the top and distribute to No. 2 agency (A
AAA0002). Therefore, the total number of transmission counters of the No. 2 agency information = 2 (1 + 1), and the transmission counter current month = 20 (10 + 10). (C) When the postal code of the prospective customer is "102-0004" One hit is found in the search using the first seven digits of the postal code. No.9
(Special area agency). Counter up is not required for special area agencies. in this case,
102- * Assigned to a special area instead of assigned to designated No. 5. In other words, No. 5 agency is 10
It will take charge of 102 areas other than 2-0004. (D) When the postal code of the prospective customer is "105-0002" In the search using the first seven digits of the postal code, there are no corresponding cases. And,
Even the first three digits are 0, so there is no sorting target. Therefore, it is distributed to a call center. (E) When the postal code of the prospective customer is “100-0004” In the search using the first seven digits of the postal code, there are no corresponding cases. In the search with the first three digits, only the agency of No. 5 hits 4 hits. Therefore, the data is rearranged by the counter. This is shown in FIG. Select top and distribute to No. 1 agency (A
AAA0001). Therefore, the total number of transmission counters of the agency information of No. 1 = 1 (0 + 1), and the transmission counter current month = 10 (0 + 10).

Next, the response at the time of the previous contract company will be described. (A) Match with the first three digits of the postal code, select a designated call center, and send prospective customer information. (B) Send prospective customer information to the call center even if no match is found.

Next, a description will be given of the mail text creation and transmission processing for sending the customer information to the agency determined to be sorted as described above. The processing will be described in the order of the following items (1) to (4). Do. (1) Send mail to agency Select a record whose status management flag is blank or “1” in prospective customer information master file 123 and send an email to the determined agency with the settings as illustrated in FIG. FIG. 17 shows an example of a mail screen image in this case. After the transmission of such an e-mail, the sent flag “2” is set to the progress management flag of the prospective customer information master file 123. (2) Sending E-mail to First Person in Charge A state management flag in the prospective customer information master file 123 is blank or a record with “2” is selected, and an e-mail is sent to the agent in charge with the setting as illustrated in FIG.
After the transmission is completed, the lead information master file 12
The e-mail sent to the person in charge flag “3” is set to the progress management flag of No. 3. (3) Second E-mail to Person in Charge When a record whose status management flag in the prospective customer information master file is “3” is selected and the file addition date and time of that record is 5 days or more, as illustrated in FIG. Send an e-mail to the agent in charge with appropriate settings. This is a reminder email that negotiations are delayed. After this transmission is completed, the status management flag of the prospective customer information master file 123 is set to the mailed flag “4” for the person in charge. (4) Third E-mail to Person in Charge When a record whose status management flag in the prospective customer information master file 123 is “4” is selected and the file addition date and time of that record is 10 days or more, an example is shown in FIG. Send an e-mail to the agent in charge with such settings. After the transmission is completed, the e-mail transmission completed flag “5” is set to the progress management flag of the prospective customer information master file 123.

Next, to explain the host transfer data creation processing, host code conversion is performed as follows. First, a host-type table (DB) is created for a record in which the error check completion flag is “1” and the error category 1 is NULL according to a predetermined requirement definition document. After this creation, the error category is changed to 2.

Finally, the progress management process will be described. In order to manage the negotiating status of the agency, a progress management flag is set in the prospective customer information master file 123 from the host information by a process different from the process described above. I do.

The application form created flag setting process is performed in the following procedure. (A) When an application is created online, an application information file is created. This file is transferred to the server 13 once a day. (B) Match the print serial number on the transferred file with the parent prospective print serial number on the prospective customer information master file 123. If the print serial number exists on the text file, the prospective customer information master file The application form created flag “6” is set in the “progress management flag”. (C) If matching is not performed with the parent prospective printing serial number, match the “printing serial number” in the prospective customer information master file, and if they match, create an application form in the prospective customer master file “progress management flag” Completed flag "6"
Is set.

The completed flag setting process is performed in the following procedure. (A) When an insurance contract is made, a contract information file is created. This file is transferred to the server 13 once a day. (B) If the “printing serial number” of the transferred file matches the parent prospective printing serial number on the prospective customer information master file 123 and they match, the closing flag is set in the “elapsed flag” of the prospective customer information master file 123. Set “7”.

In the above-described embodiment, the distribution of the prospective customer to the agency is performed based on the postal code and the number of distributions, but the present invention is not limited to this.
That is, the distribution of the prospective customer to the agent can be performed by a similar method based on other attributes, for example, gender, age, occupation, and the like. Including.

[0048]

[Effects of the Invention] By connecting to various insurance comparison sites on the Internet site that is currently open or to be opened in the future, or to the company's customer recruitment site, the agency intervenes with the same procedure and system. Type insurance sales business can be performed efficiently.

By associating customer data input on the Internet site with a web-type online system (SSL encrypted),
It is possible to operate without displaying personal data other than "data number" and estimated insurance premiums as much as possible.
It is possible to prevent personal data from flowing on the Internet, to protect personal data, and to protect confidential information such as insurance premiums.

The customer obtained from the site can be assigned to an optimal agency determined from the customer attributes.

It is possible to respond instantly to a large amount of customer information.

By linking the customer information and estimate information obtained from the site with the host computer, data input errors can be eliminated and an accurate estimate can be automatically created.

Further, for a customer input to the site,
An agency or call center will always be able to respond.

[Brief description of the drawings]

FIG. 1 is a diagram schematically illustrating a configuration example of a system for implementing an agent-mediated insurance sales method according to the present invention.

FIG. 2 is a schematic configuration diagram showing the relationship between a file transfer server and a host computer in the system of FIG. 1 in more detail;

FIG. 3 is a table showing an example of an input record definition for customer information.

FIG. 4 is a table showing an example of an input record definition for customer information.

FIG. 5 is a diagram showing a list showing an example of an input record definition for customer information.

FIG. 6 is a diagram for explaining a printing serial numbering mode;

FIG. 7 is a diagram illustrating a table exemplifying required items of a prospective customer information master file.

FIG. 8 is a table showing an example of an agency information file.

FIG. 9 is a diagram illustrating an example of a postal code distribution table.

FIG. 10 is a diagram showing an example of a postal code distribution view.

FIG. 11 is a diagram for explaining a procedure for distributing customers to agents.

FIG. 12 is a diagram for explaining a procedure for distributing customers to agents.

FIG. 13 is a diagram showing an aspect of replacement from the agency information table.

FIG. 14 is a diagram for explaining a mode of searching for a 7-digit zip code.

FIG. 15 is a diagram for explaining a mode of search using the first three digits of a postal code;

FIG. 16 is a diagram for explaining a mode of transmitting an e-mail to a determined agency.

FIG. 17 is a diagram illustrating an example of a mail screen image.

FIG. 18 is a diagram for explaining a mode of sending an e-mail to a person in charge of an agency;

FIG. 19 is a diagram for explaining a mode of sending a reminder mail to an agency.

FIG. 20 is a diagram for explaining a mode of sending a further dunning mail to an agency.

[Explanation of symbols]

 1 Various Sites on the Internet 2 Personal Computer 10 First Computer System 11 Host Computer 12 Prospect Management Server 13 Web Online Server 20 Second Computer System 30 Third Computer System 111 Application Information File 112 Contract Information File 121 Received File 122 Agency information file 123 Lead information master file 124 Host correspondence file 125 Host upload file

 ──────────────────────────────────────────────────続 き Continuing from the front page (72) Inventor Seiichi Miyajima 2-27-2 Shinkawa, Chuo-ku, Tokyo Sumitomo Insurance Co., Ltd. (72) Inventor Nobuhiro Sakamoto 2-27-2, Shinkawa, Chuo-ku, Tokyo F-term (reference) within Sumitomo Insurance Co., Ltd.

Claims (12)

[Claims] 1. A prospect information file is created in a computer system by taking in customer information input from various sites on the Internet, and individual prospect information in the prospect information file is separately prepared in the computer system. Based on the specified attribute, comparing the individual agency information in the agency information file
Allocating the selected prospect to the selected agent, notifying the selected prospect to the selected agency, and receiving the notice, the agency receives the selected prospect and the insurance sales; Agent-mediated insurance sales method characterized by initiating contract negotiations. 2. The agent-mediated insurance sales method according to claim 1, wherein the predetermined attribute is a postal code, gender, age, or occupation. 3. The agent-mediated insurance sales method according to claim 1, wherein the predetermined attribute includes the number of distributions of each agent. 4. The method according to claim 1, wherein, in the distribution of the prospective customer to the agency, priority distribution to the agency is performed by performing a count-up control of the number of distributions to each agency. Agency-based insurance sales method. 5. The notification to the agent is to notify only the data number of the selected prospective customer, and the agency acquires information of the prospective customer based on the data number. Claim 1 or 2 or 3 or 4
Agent-mediated insurance sales method described in. 6. A reminder when said selected agent has not started negotiations with said selected prospect after a predetermined time has elapsed. The agent-mediated insurance sales method according to any one of the above. 7. A prospective customer information file creating means for creating a prospective customer information file by taking in customer information entered at various sites on the Internet, and an agency information file saving means for saving an agency information file. Comparing the individual prospect information in the prospect information file created by the prospect information file creating means with the individual agency information in the agency information file stored in the agency information file storage means, An agent distribution notifying unit for distributing a selected prospect to a selected agency based on a predetermined attribute and notifying the selected prospect to the selected agency. Agency-based insurance sales system characterized by the following. 8. The agent-mediated insurance sales system according to claim 7, wherein the predetermined attribute is a postal code, gender, age, or occupation. 9. The agency-mediated insurance sales system according to claim 7, wherein the predetermined attribute includes the number of distributions of each agency. 10. In order to assign priority to agents,
8. The system according to claim 7, further comprising a count-up control unit that performs a count-up control of the number of times of distribution to each agency in the distribution of the prospective customer to the agency.
Or the agency-mediated insurance sales system according to 8 or 9; 11. The notification to the agent is to notify only the data number of the selected prospect, and the agent acquires the information of the prospect based on the data number. 11. The agency-mediated insurance sales system according to claim 7, further comprising a prospective customer information acquisition means for enabling the sales of the insurance. 12. The system according to claim 1, further comprising: agency reminder means for remindering when the selected agency has not started negotiations with the selected prospective customer even after a predetermined time has elapsed. Item 12. An agent-mediated insurance sales system according to any one of Items 7 to 11.