JP2002073991A - Insurance information processing device and insurance information processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable collectively making insurance contracts by paying consideration of an accepted insurance contract or consideration of advertising to an operator, whether the insurance is contracted through an agency or not. SOLUTION: On the basis of inputted insurance contract information, a price of consideration to be paid is calculated with an insurance consideration table (step 06), consideration of a contract conclusion reward is paid (step 08). A written contract of the insurance, an insurance statement, a payment bill of an insurance charge (a premium) and the like are sent to an address of an inputted contractor, or instantly electronically settled (step 09). Concerning a person advertising the insurance, the consideration only for advertising of the insurance is paid to the advertising person (step 10). The above-mentioned paid consideration is paid by electronic account settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an insurance information processing apparatus and an insurance information processing method.

[0002]

2. Description of the Related Art Conventionally, there have been various types of insurance such as life insurance and non-life insurance such as car insurance, fire insurance and earthquake insurance. These insurances were individually solicited by each company, and the value of the insurance contracts were distributed among salesmen, agents and head office.

[0003]

However, such insurance contracts are individually made for each company and are contracted through an agent or directly without an agent, so that insurance It was difficult to take out insurance from a company other than the agency or salesman with whom you are contacting. Also, the insurance subscriber cannot select the insurance that best suits his wishes and circumstances from the insurances of multiple insurance companies.

[0004]

In order to achieve the above-mentioned object, the present invention relates to a method of processing the insurance information and a person handling the insurance information device by using the value of the accepted insurance contract or the value of the insurance advertisement. Payment to one or more of: a person who has concluded, brokered or brokered an insurance contract, a person who has represented an insurance contract, a person who has arranged insurance, a person who has advertised insurance, or an insurance company. The distribution of the consideration paid will be changed depending on whether the contract is made through an agency or not. This allows the distribution of consideration to be paid depending on whether the insurance is contracted through an agency or not, and makes a single insurance contract regardless of whether the insurance is contracted through an agent or not. be able to.

[0005] The contents are different, the handling companies are different, and information about various insurance contracted through an agency or contracted without an agent is stored. Based on the information of the accepted insurance contract, the stored various information is stored. The best insurance information is selected and output from insurance. As a result, the insurance that best matches the wishes and circumstances of the insurance subscriber can be selected from among the insurances of a plurality of insurance companies.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS (1) Overall System FIG. 1 shows an overall system of an insurance information processing apparatus and an apparatus for realizing an insurance information processing method. The person who requests new insurance is selected by Mobile 1 (including a mobile phone, facsimile machine or desktop computer, the same applies hereinafter) for a new insurance contract, and various insurances are selected and entered. Type, insurance (guaranteed) amount, date of birth, medical history, address, name, gender, vehicle type,
Insurance contract information such as accident history, car safety performance, model, and color of the car license are input.

The mobile 1 is an insurance operator, that is, a person who performs the insurance information processing, a person who handles the insurance information device,
Those who conclude, mediate or broker insurance contracts, represent insurance contracts, arrange insurance, advertise insurance,
It is owned by persons engaged in insurance business such as insurance companies, and also owned by general consumers 3. A person who performs the Insurance Information Processing, a person who handles the Insurance Information Device,
Those who mediate or broker, those who represent insurance contracts, and those who arrange insurance are insurance agents or insurance salesmen, and those who advertise insurance should advertise the following flyer distribution etc. Who do These are called FC agents, FC partners, business partners, cyber partners, governors, etc. FC stands for franchise. The franchise (FC) system refers to an insurance agency system, but may refer to a system other than the insurance agency system.

[0008] The contract insurance information input by the mobile 1 is sent to the computer of the center 2 via a communication line and accepted. In addition, inquiries or other access regarding the promoted insurance from the computer of the general consumer 3 is sent to the computer of the center 2 via a communication line and accepted. This insurance promotion may be a distribution of flyers, pamphlets or other promotional material, or a variety of insurance related promotions, including mass media (television broadcasts, radio broadcasts, newspapers, magazines, etc.), and publicity through the Internet homepage. .

The value of the accepted insurance contract or the value of the insurance advertisement is determined by the insurance operator, that is, the person who performs the insurance information processing, the person who handles the insurance information device, and the conclusion, mediation and mediation of the insurance contract. Paid to those who are responsible for insurance contracts, those who arrange insurance, those who advertise insurance, and insurance companies. This payment is executed by electronic payment (electronic remittance) on the Internet, electronic money, home banking, online transfer, cash remittance, and the like. The insurance handlers mentioned above, that is, those who handle the Insurance Information Processing, those who handle the Insurance Information Device, those who conclude, mediate or broker insurance contracts, those who act for insurance contracts, those who arrange insurance, and insurance In some cases, an advertiser or an insurance company employee may not have the mobile 1. In this case, online transfer and cash remittance are performed.

The computer of the mobile 1, the center 2 and the computer of the general consumer 3 are mutually connected by a telephone line or other communication lines, and are connected to each other by a closed communication network or an open communication network such as the Internet. ing. Since the mobile 1 includes a mobile phone, a facsimile machine, or a desktop computer in addition to the mobile, information of such a mobile phone, a facsimile machine, or various types of computers is mutually communicated and transmitted through this communication line. Mobile 1 includes a computer fixedly installed in the insurance agency,
The computer of the general consumer 3 is also included.

The above insurance includes a complete insurance, a mail-order insurance,
There are three types of direct sales insurance. Conclusion insurance is insurance contracted and sold through insurance agents. Mail-order insurance is insurance that is contracted and sold through an insurance agency while being directly contacted between an insurance company and an insurance member through a communication line described below. Direct sales insurance is insurance in which insurance is sold directly to insurance subscribers by an insurance company and does not go through an insurance agency.

(2) Overall Circuit for Processing Insurance Information FIG. 2 shows an overall circuit for processing insurance information. This circuit includes the computer of the center 2, the insurance operator, that is, the person who performs the insurance information processing, the person who handles the insurance information device, the person who concludes, mediates, and brokers the insurance contract, and the person who represents the insurance contract , A person who arranges insurance, a person who advertises insurance, and a circuit in a computer device of the mobile 1 owned by an insurance company employee. The entire circuit includes an interface unit 11, an input unit 12, and an address / data bus line 10 through which address signals and data signals are transmitted bidirectionally, with a CPU 14 serving as a central processing unit as a center.
It is configured to be electrically connected to the output unit 13 and the like.

The input unit 12 includes an input device such as a voice recognition device or a keyboard, and a pointing device such as a mouse, a digitizer, and a touch panel. The input unit 12 is used to input a processing command to a computer device (entire circuit). , Insurance (guaranteed) amount, date of birth, medical history, address, name, gender, vehicle type, accident history, vehicle safety performance, model,
Information such as the color of the car license, the status of nursing care, and the contract insurance information regarding the facilities of the care recipients are input.

The output unit 13 includes a display, a printer,
Or, it is composed of a voice synthesizer (sound card) that emits an audible sound. The above-mentioned various insurances are displayed / printed, and the type of insurance contracted by the insurance member, the amount of insurance (guarantee), the date of birth, the medical history , Address, name, gender, model,
Contract insurance information such as accident history, vehicle safety performance, model, and color of the automobile license are displayed / printed, and various sound information is pronounced.

The image input device 15 is composed of a device such as a digital camera, an image scanner, a scanner having a document transmitting unit or the like, for raster-scanning an image and taking it as image data, and its interface. Used for importing photos, drawings, maps, etc. The captured data such as a photograph is stored in the information storage unit 17 via the address / data bus line 10.
(External storage auxiliary means).

The image input device 15 may be replaced by a facsimile device, a copying device, a scanner having a document transmitting unit, or the like, as the case may be. That is, a photoelectric conversion element is provided which illuminates or transmits information written on a paper or film such as a photograph, or converts reflected light or transmitted light into a binary or more digital electric signal. Any device that can take in the above information as raster image data can be used.

From the timing generator 19, a timing control signal for synchronizing the entire computer device (entire circuit) is output to each circuit (the program / data storage unit 16, the image input device 15, etc.). The timing control signal includes a clock signal having a basic period, a signal obtained by dividing or doubling the clock signal, and the like.

The program / data storage section 16 (internal storage medium / means) includes a flash memory, an EEPROM, an EP
ROM, non-volatile memory such as ROM such as CD-ROM, RAM, cache memory, and in some cases, hard disk, magnetic card, magnetic disk, CD-RAM,
It is roughly composed of two types of storage devices (storage means) called a temporary storage memory using a DVD (digital video disk) or the like.

The ROM of the program / data storage section 16 stores programs to be executed by the computer device (overall circuit) and general-purpose data used for various processes. This program corresponds to a flowchart described later. Further, the temporary storage memory of the program / data storage unit 16 is used as a temporary storage of data during program processing, that is, as a working memory or a cache memory.

The program / data storage unit 16 has different contents, different handling companies, and stores calculation information and other insurance information on various insurance contracted through an agent or contracted without an agent. I have. Based on this information, various estimates, such as insurance premiums paid, are calculated for the entered contract insurance information, and the most suitable insurance that best suits the subscriber's wish is selected and displayed.

The calculation information (insurance information) is stored for each of the three types of insurance, namely, the above-mentioned complete insurance, mail-order insurance, and direct-sale insurance.
For three types of insurance, mail-order insurance and direct sales insurance, the optimal insurance is determined and selected.

The program / data storage section 16 includes:
An insurance consideration table 20 is provided. As shown in FIG. 4, the insurance consideration table 20 stores the amount of consideration for payment determined according to various insurances or insurance operators. This payment was based on the value of the insurance contract received or the value of the insurance promotion, which was determined by the insurance operator, ie, the person who handled the Insurance Information Processing, the person who handled the Insurance Information Device, and the conclusion, mediation and mediation of the insurance contract. Paid to one or more of the following: a person, an agent on behalf of an insurance contract, a person who arranged for insurance, a person who advertised insurance, or an insurance company. And the insurance is various insurances, that is, a complete type,
The content of the consideration to be paid is changed according to the type of the mail order type, the direct sales type or the like, that is, whether or not the insurance is contracted through an agency.

The information storage unit 17 (external storage auxiliary medium / means, auxiliary storage medium) includes a magnetic disk, an optical disk, a flexible disk (proppy disk),
Magnetic drum, magnetic tape, memory card, CD-RA
It is composed of mass information storage / storage media such as M, CD-ROM, DVD, etc., and information writing / reading devices for such media (drive devices, interface circuits). The information storage unit 17 stores the type of insurance policy of the insurance subscriber, the insurance (guarantee) amount, the date of birth,
Contract insurance information such as medical history, address, name, gender, vehicle type, accident history, vehicle safety performance, model, and color of the automobile license are stored and stored.

In some cases, the computer device (entire circuit) is a dedicated device that performs a single process by a program stored in advance in the ROM of the information storage unit 17 and is stored in the information storage unit 17. Program
It is a general-purpose computer device that is appropriately called (started) in the RAM of the program / data storage unit 16. In this case, the information storage unit 17 stores programs such as basic software (operating software) executed by the CPU 14, system software, and application programs.

Then, the present computer device (whole circuit)
When the power is turned on or when a new program is started, the information is read from the information storage unit 17 and the program /
It is temporarily stored in a RAM or the like of the data storage unit 16 and executed by the CPU 14. That is, a program executed by the computer device (entire circuit) is stored in the information storage unit 17, read out as appropriate, and executed by the CPU. In this case, a change to a new program is performed by replacing the program itself stored in the information storage unit 17 or by replacing a CD-ROM, a magnetic disk, a floppy (registered trademark), or the like in which the program is stored. (Install /
Transfer).

The program / data storage unit 16
Similarly, in the case of a computer device that exclusively executes a program stored in a PROM, a CD-ROM,
Rewriting of an EPROM or the like is performed in response to replacement (installation / transfer) of a magnetic disk, a floppy disk, or the like, or achieved by replacing the ROM itself.

The new replacement of this program is as follows:
In some cases, it is sent from an external device 18 such as an Internet communication line, a public line, or another computer connected via a LAN. That is, the program executed by the computer device (entire circuit) is exchanged directly with the information storage unit 17 or exchanged with the one sent from the external device 18 via the communication network.

Therefore, in some cases, the program executed in the computer device (entire circuit) is
Each time it is started, it is sent from the external device 18. That is, the application program is not stored in the information storage unit 17 of the computer device (whole circuit), and only the role of the terminal device that executes the program transmitted from the external device 18 is the function of the computer device (whole circuit) of the present invention. ). Further, a program and data processed by the program are sent together from the external device 18,
After data processing is performed by the program, the result is sent back to the external device 18.

The program executed by the computer device is a program of a general computer system in which an application program is executed based on a basic program such as an OS in some cases. It is a dedicated computer system that executes only one program. Therefore, those unified programs are provided from the external device 18,
Only the application program or the basic program or a part of the program is sent from the external device 18 and executed.

In some cases, another operating system, a system program (OS), and other programs are stored in advance in the computer device, and the above programs are executed together with the OS and other programs. This program, when installed and executed in the present apparatus (computer body), causes the computer to execute the processing and functions described in the claims together with another program or independently.

In some cases, part or all of this program is stored and executed in one or more other devices other than the present device, and between the present device and another device via communication means, Data to be processed / Data already processed /
The program is sent and received, and as a whole this device and another device,
The present invention is implemented. These communication means are an Internet communication system or the like, and the correspondence between the present apparatus and another apparatus is applicable to the relation between the computer devices of the center 2 or the mobile 1.

(3) Insurance Information Processing FIG. 3 shows a flowchart of insurance information processing. This flowchart is started when the power of each computer device of the center 2 or the mobile 1 is turned on or when information transfer (processing instruction or data transfer) is performed between the computer devices, and until the power is turned off. Continued repeatedly.

First, a menu screen for insurance to be contracted is displayed (step 01). In this menu screen, insurance types such as life insurance and non-life insurance such as car insurance, fire insurance, earthquake insurance, etc., insurance related services such as contract insurance estimation, optimal insurance judgment (selection), insurance contract etc. Is displayed on the mobile 1 through the communication line. Here, the contract insurance quote or insurance contract menu is selected, and if any type of insurance is selected (step 02), the contract insurance input screen is displayed on the mobile 1 through the communication line (step 02). 03). This input screen is shown in FIGS. This input screen is an input screen for car insurance. Although not shown, other insurance screens are displayed in the same manner.

Next, insurance contract information necessary for an insurance contract or an insurance estimate is inputted, and the center 2 is connected via a communication line.
(Step 04). The person who makes this input may be a person who inquires about the contents of the promoted insurance, a person who enters insurance contract information, a person who estimates insurance, a person who enters information of a desired insurance contract, optimal insurance information The person who receives

The entered insurance contract information includes insurance (guaranteed) amount, date of birth, medical history, address, name, gender, vehicle type,
Accident history, car safety performance, model, color of car license, etc. Then, based on the insurance contract information thus input, an estimate such as insurance premium (insurance premium) is calculated (step 05). The insurance premium (amount of insurance premium) is an annual payment, a monthly payment, or a lump sum prepaid amount. The formula for calculating the insurance premium is stored in the program / data storage unit 16 or the information storage unit 17.

Next, based on the insurance contract information thus input, the amount of the payment consideration is calculated based on the contents stored in the insurance consideration table 20 (step 0).
6). This payment consideration is a predetermined percentage of the success fee based on the success of the insurance contract. For example, as shown in FIG. 4, in the case of automobile insurance with unlimited persons, an objective of 10 million yen and a passenger injury of 10 million yen, if the contract success fee is 100,000 yen, 40% of the insurance costs will be 40,000 yen. Is paid to those who have concluded, brokered or brokered (FC agents) or those who advertised insurance (FC partners), and 4% 4,000 yen was paid to those who concluded, brokered or brokered insurance contracts or insurance Is paid to those who have further recruited, cultivated, and nurtured (governors) who advertised.

The remaining 56% of 56,000 yen is paid to the administrator, owner or operator of the present system, that is, the person who handles the Insurance Information Device or the person who performs the Insurance Information Processing. If the above-mentioned 4% payment of 4,000 yen is not made, 60% 60,000 yen will be paid to the administrator, owner or operator of the system, that is, the person handling the Insurance Information Device or the person performing the Insurance Information Processing. .

For the insurance contract displayed in this manner, a "contract" icon is displayed in the corner of the display screen, and if the icon is finally clicked (step 07), the above calculation is performed. The paid contract success fee is paid (step 08), and the insurance contract, the insurance statement and the insurance premium (latch) bill are sent to the entered contractor's address, or Payment is made electronically immediately (step 09).

[0039] The dispatch is made via postal or telecommunication lines, and the electronic settlement is a credit number entry, payment by electronic money or home banking, possibly including online transfer or cash transfer.

In the calculation in step 06, if there is a person who has promoted insurance, such as distribution of a flyer, a predetermined amount of money, for example, 300 yen or 200 yen, or another amount is calculated as shown in FIG. If the insurance contract icon is not clicked and the insurance estimate is made only (Step 07), the insurance advertisement is paid to the person who made the advertisement (Step 07). 1
0). Such payments in steps 08, 09 and 10 are paid by electronic payment (electronic remittance), electronic money, home banking, online transfer, and cash remittance (steps 08, 09, 10).

In this manner, after the insurance is quoted or contracted, payment for the insurance contract or payment for the insurance promotion can be made. The price of such insurance is paid automatically. Then, the distribution of the consideration to be paid is changed depending on whether or not the insurance is contracted through the agency. The change of the distribution of the consideration paid above,
A change in the allocation ratio, a change in the allocation amount, or a change in the allocation destination.

As described above, the compensation paid for the insurance is based on the fact that the value of the accepted insurance contract or the value of the insurance promotion is the value of the insurance handler, ie, the person who performs the insurance information processing, the person who handles the insurance information device, and the insurance contract. Person who has concluded, brokered, brokered,
Paid to one or more of the following: an agent on behalf of an insurance contract, an arranger of insurance, an advertiser of insurance, or an insurance company. Then, depending on the type of the insurance, namely, various types of insurance, that is, a complete type, a mail order type, a direct sales type, etc., that is, depending on whether the insurance is contracted through an agency, the distribution content of the consideration to be paid is determined. Be changed.

When the menu for judging (selecting) the optimal insurance is selected from the menu screen displayed in step 02, the contract insurance input screen is displayed via the communication line in the same manner as in steps 03 to 04 described above. 1 (step 13), insurance contract information required for the insurance contract is input from the mobile 1 to the computer of the center 2 (step 14). The person who makes this input may be a person who inquires about the contents of the promoted insurance, a person who enters insurance contract information, a person who estimates insurance, a person who enters information of a desired insurance contract, optimal insurance information The person who receives

Then, various insurances are calculated on the basis of the inputted insurance contract information, an optimum insurance is selected from the calculated insurance contract information, output from the output unit 13 and sent to the mobile 1 through a communication line (step 15). . The calculation information for calculating various types of insurance and other insurance information are stored in the program / data storage unit 16, and the calculation information (insurance information) has different contents and different handling companies.
For various types of insurance contracted through an agency or without an agency.

This calculation information (insurance information) is stored for each of the three types of insurance, namely, the above-mentioned complete insurance, mail-order insurance, and direct sales insurance.
For three types of insurance, mail-order insurance and direct sales insurance, the optimal insurance is determined and selected.

Based on this information, various estimates such as insurance premiums to be paid are calculated for the entered contract insurance information, and the most suitable insurance that best suits the subscriber's wish is selected and displayed. In the selection (judgment) of this optimal insurance,
In the same manner as in step 05, estimates of insurance premiums (premiums) are calculated for a plurality of insurances, and as shown in FIG. For example, the contents of each insurance are displayed in an order of predetermined conditions.

In the selection (judgment) of the optimum insurance in steps 13 and 14, for example, in the case of car insurance,
If there are age restrictions such as 30 years or older or under 25 years old, if the mileage of the car is small, if you want to use the car exclusively for leisure, if you want to throw it away, etc., conditions are presented or entered Then, information on the desired / desired insurance contract is input and accepted.

The optimum insurance under such conditions is selected and determined as described above. In this way, the desired
Desired insurance contract information is the use, condition, use status, and purpose of use. In this way, the most suitable insurance is selected and determined for various types of insurance that have different contents, different handling companies, and are contracted through agents or contracted without agents.

The optimal insurance thus determined and selected is displayed on the mobile 1, so that a "contract" icon is displayed in the corner of the display screen for the displayed optimal insurance. If the icon is finally clicked (step 07), the consideration of the calculated contract success fee is paid (step 08), and the insurance contract, insurance statement and insurance premium (latch) are requested to be paid. A letter or the like is sent to the entered address of the contractor, or is immediately electronically settled (step 09).

[0050] The dispatch is made via postal or telecommunication lines, and the electronic settlement is the entry of a credit number, payment by electronic money or home banking, possibly including online transfer or cash transfer.

In some cases, if there is a person who has promoted the insurance, such as distribution of a flyer, for such an optimal insurance, a predetermined amount is calculated in the same manner, and only an insurance estimate is made. (Step 07), the compensation for the insurance promotion alone is paid to the person who made the promotion (Step 1)
0). In some cases, the payment processing of the consideration may not be performed after the determination of the selection of the optimal insurance.

In this way, the insurance is estimated at the same time for the outputted optimal insurance information. Further, after the optimal insurance is output, an insurance contract can be made for the optimal insurance. Furthermore, payment for an insurance contract or payment for insurance promotion can be made in accordance with the output of the optimal insurance.

The above-described insurance estimation, insurance contract, determination of optimal insurance, and payment of compensation are performed through a communication line. As described above, the information of the mobile phone, the facsimile apparatus, or the information of various computers is mutually communicated and transmitted on this communication line. Accordingly, such insurance quotes, insurance contracts, determination of optimal insurance, and payment of compensation are performed using any means such as a mobile phone, a facsimile machine, or various computers, or in combination.

When information is transmitted and received by a facsimile apparatus, input image data is decoded by an OCR or the like, converted into character information in the same format as information input through an Internet communication line, and fetched. This conversion may be performed and entered manually.

(4) Insurance Consideration Table FIG. 4 shows the contents of the insurance consideration table 20. The calculation of the compensation using the insurance compensation table 20 is performed in the above-mentioned step 06. It is necessary for FC partners and cyber partners who perform advertising business to pay the membership fee to this system in advance.

For the FC partner who performs the advertising business, if a complete insurance contract is made, 30 contracts per case
0 yen is paid. FC partners who also do advertising services will be paid 40% of the agency commission for each contract for mail-order insurance. For FC partners who also do advertising,
For the direct sales type insurance, a fee of 200 yen is paid for each case every time the estimate in step 05 is made.

In addition, for the cyber partner who performs the advertising business, 2% of the insurance premium paid per insurance contract is paid for any of the complete insurance, the direct sales insurance, and the mail-order insurance. For the business partner who performs the advertising business, a compensation of 200 yen per case is paid for each of the estimates in the above step 05 for the complete insurance, the direct sales insurance, and the mail-order insurance.

When a complete insurance is contracted, the FC agent who performs the contract business is paid 40% of the agency commission for each case. The insurance station governor / imenu governor is paid 1/10 of the consideration paid to the FC agent, FC partner, cyber partner, and business partner, that is, 4%, 30 yen, and 20 yen, respectively. The role of the insurance station governor / eye menu governor will be described later.

The FC agent is an insurance agent or the like that handles the insurance, and is incorporated in the insurance franchise system. The FC partner advertises the insurance dealt with and is incorporated into the insurance franchise system. The above-mentioned cyber partner carries out advertisements such as electronic advertisements or manual advertisements for the insurance to be handled, and is not incorporated in the franchise system of the insurance.

The above-mentioned business partner performs a manual advertisement such as a flyer for the insurance to be handled and is not incorporated in the franchise system of the insurance. The cyber partner and the business partner may be included in the franchise system. The franchise (FC) system refers to an insurance agency system, but may refer to a system other than the insurance agency system.

Electronic advertisements are advertisements directly performed electronically using a computer, such as advertisements using a homepage on the Internet, direct mail sending by electronic mail, and sending of advertising materials by facsimile. The manual advertisement is a manual advertisement such as flyer flyer, direct mail sending by mail, newspaper advertisement, newspaper insert flyer, street advertisement, and the like. Computers are not used directly in manual advertising, but are sometimes used indirectly. In addition, advertisements using television waves, advertisements using cable television systems, and advertisements using radio waves are included in electronic advertisements and, in some cases, in manual advertisements.

In this case, a system for introducing prospective customers to the insurance agent of the FC agent is also employed. This is because the information of the quotation data, the quotation customer, the contract applicant, and the contractor of the present system processed in the flowchart of FIG. 3 is temporarily stored in the information storage unit 17, and this information is stored in the insurance company, FC agent, etc. Of the insurance contract, and the procedure of the insurance contract is completed.

This is very effective for complete insurance required by insurance agents. Such processing is executed in step 09 of the flowchart of FIG. Thus, a person who made an inquiry about the content of the promoted insurance, a person who entered the information of the insurance contract, a person who made an estimate of the insurance, a person who entered the information of the desired insurance contract,
Memorize the information about the person who received the above optimal insurance information, the person who quoted the above insurance or the person who contracted the insurance, and transferred and sold this information to the insurance handler, and finalized the insurance contract Can be tied to

In this case, if the complete insurance is contracted in the step 08, 60% of the agency fee per case
(Or 56%) is paid as a referral fee to the administrator, owner or operator of the system, ie, the person handling the insurance information device. Alternatively, for example, 1000 yen per item is the administrator of the system and the possession of the information of the above quote data, quote customer, contract applicant sent out to FC agents, insurance agents belonging to the insurance company or insurance company. Or the operator, that is, the person who handles the insurance information device, is paid by the FC agent, the insurance agent belonging to the insurance company or the insurance company.

Further, here, a governor system is introduced. This governor is the FC agent, FC
It has the role of recruiting partners, cyber partners and business partners, and is called the above insurance station governor / imenu governor. IMenu Governor recruits the above FC partners, cyber partners, and business partners to recruit the person who handles the transaction.
Develop and nurture. The insurance station governor is F
Recruit, cultivate and nurture C-agents by recruiting C agents. This governor may be incorporated into the franchise system. The franchise (FC) system
It refers to the insurance agency system, but may mean other than the insurance agency system.

For an i-menu governor who recruits, nurtures and develops FC partners, cyber partners and business partners, 10% of the consideration paid to the FC partners, cyber partners and business partners described above, that is, the agency commission 4%, 30 yen, 2
0 yen is paid respectively. Recruit FC agent,
For insurance station governors who nurture and develop,
One of the consideration paid to each of the above FC agents
0%, or 4% of agency commission, is paid.

As described above, the insurance operator, that is, the person who performs the insurance information processing, the person who handles the insurance information device, the person who has concluded, brokered and brokered the insurance contract, the person who has acted for the insurance contract, and arranges insurance Some of those who have done this, have advertised their insurance, or have insurance companies include those who are recruiting, nurturing and pioneering such governors. In this way, even a breeder of an insurance operator can be incorporated into the insurance payment system.

The compensation paid for the insurance executed by the present system is as follows: The compensation for the accepted insurance contract or the compensation for the insurance promotion is determined by the insurance operator, that is, the person who performs the insurance information processing, the person who handles the insurance information device, Paid to one or more of the following parties: those who have entered, brokered or brokered insurance contracts, represented insurance contracts, arranged insurance, advertised insurance, or insurance companies. This insurance handler is a person who performs the Insurance Information Processing, a person who handles the Insurance Information Device, a person who has concluded, brokered, or brokered an insurance contract, a person who has represented an insurance contract, a person who has arranged insurance, insurance Who promoted, insurance companies, FC agents, FC partners,
Business partners, cyber partners, governors, etc.

Then, depending on the type of insurance such as a complete type, a mail order type, a direct sales type, etc., that is, whether or not the insurance is contracted through an agency, Allocation contents are changed. The above consideration paid is only an example, and the allocation target, the distribution ratio or the amount may change depending on the situation, and this consideration is paid to each of the above payers in a different amount or the same amount, and the consideration paid is paid. Is money, but in some cases it is something other than money, such as exemption from membership.

The distribution of the consideration to be paid is changed according to the type such as the complete type, the mail order type, and the direct sales type, that is, whether or not insurance is contracted through an agency. The change in the content of the consideration to be paid is a change in the allocation ratio, a change in the allocation amount, or a change in the allocation destination.

FIGS. 5 to 12 show insurance information input screens. This input screen is displayed in step 03 or 13 in FIG.
Is displayed with. This input screen is an input screen for car insurance. Although not shown, other insurance screens are displayed in the same manner. On each of these input screens, the above-mentioned insurance contract information, that is, insurance (guarantee) amount, date of birth, medical history, address, telephone number,
FAX number, e-mail address, name, gender, corporation /
The distinction of individual, the main driver, the shape of the body, the type of car, the expected mileage, the purpose of use of the car, the accident history, the safety performance of the car, the model, the color of the car license, the details of the insurance currently contracted, etc. Entered through the Internet system.

In the input screens shown in FIGS. 8 and 9, the expiration date, grade, number of accidents, accident details, details of vehicle insurance, vehicle insurance money, vehicle deductible, personal compensation, objective compensation, personal injury compensation, boarding Amounts and contents, such as personal injury and insurance payment methods, are input via the Internet system. FIG.
In the input screen of, the above-mentioned insurance contract information is input by the mobile phone. However, insurance securities / vehicle verification and the like are input by the facsimile machine, and the image data is converted into character data as described above.

In the input screen shown in FIG. 11, the above-mentioned insurance contract information is verbally input through a telephone. In this case, the insurance contract information is input by voice recognition or hearing from the operator. In the input screen of FIG. 12, the insurance contract information is input through the Internet system. However, insurance securities / vehicle verification and the like are input by the facsimile machine, and the image data is converted into character data as described above.

As described above, the insurance information can be stored in the computer / mobile connected to the Internet system,
The information is input using a mobile phone, a facsimile device, or any other means such as various computers, or in combination with the other devices, and any one of these devices can be selected and input.

This selection is made in steps 04 and 1 in FIG.
In step 4, it is determined whether the accessed device is a computer / mobile, a mobile phone, or a facsimile device through the Internet, and a program matching the device is called, and the processing in FIG. 3 is executed for each device. You. Based on the insurance information entered in this way,
As described above, insurance estimation, insurance contract, determination of optimal insurance, and payment of consideration are performed.

The present invention is not limited to the above embodiments, but can be variously modified without departing from the spirit of the present invention. For example, part or all of the flowchart in FIG. 3 is not performed by the computer (CPU 14) in some cases, but is performed manually. The present invention is also realized as a computer program itself, a storage medium storing the program, and a communication medium / communication method / communication device of the program.

[0077]

As described above in detail, according to the present invention, the value of the accepted insurance contract or the value of the insurance advertisement is determined by the insurance operator, that is, the person who performs the insurance information processing and the person who handles the insurance information device. Payment to one or more of: a person who has concluded, brokered or brokered an insurance contract, a person who has represented an insurance contract, a person who has arranged insurance, a person who has advertised insurance, or an insurance company. The distribution of the consideration paid will be changed depending on whether the contract is made through an agency or not. Therefore, it is possible to change the distribution of consideration paid depending on whether insurance is contracted through an agency or not, and to make a single insurance contract regardless of whether insurance is contracted through an agent. And the like.

Further, the present invention stores information on various types of insurance which are different in content, different in handling company, contracted through an agency or contracted without an agency, and are based on information of an accepted insurance contract. Thus, optimal insurance information is selected and output from the stored various insurances. Therefore, it is possible to select the insurance most suitable for the wishes and circumstances of the insurance subscriber from among the insurances of a plurality of insurance companies.

Further, since the insurance estimation is made at the same time for the optimal insurance selected and output in this manner, and then the insurance contract is made, immediately after selecting the optimal insurance for the insurance estimation or contract, It has effects such as being able to make an insurance quote or contract.

[Brief description of the drawings]

FIG. 1 shows an overall system of an insurance information processing apparatus or an apparatus for realizing an insurance information processing method.

FIG. 2 shows an entire circuit of the center 2 or the mobile 1;

FIG. 3 shows a flowchart of insurance information processing.

FIG. 4 shows the contents stored in the insurance consideration table 20, that is, the breakdown of payment of consideration for an insurance contract or insurance advertisement.

FIG. 5 shows an insurance information input screen.

FIG. 6 shows an insurance information input screen.

FIG. 7 shows an insurance information input screen.

FIG. 8 shows an insurance information input screen.

FIG. 9 shows an insurance information input screen.

FIG. 10 shows an input screen for insurance information.

FIG. 11 shows an insurance information input screen.

FIG. 12 shows an input screen for insurance information.

FIG. 13 shows an output screen of the optimal insurance selected and determined.

[Explanation of symbols]

1 ... Mobile, 2 ... Center, 3 ... General consumers, 10 ...
Address / data bus line, 11 interface unit, 12 input unit, 13 output unit, 14 CPU, 15
... image input device, 16 ... program / data storage unit, 1
7 Information storage unit, 18 External device, 19 Timing generation unit, 20 Insurance compensation table.

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 340 G06F 17/60 340 19/00 300 19/00 300A F-term (Reference) 5B049 BB47 CC02 CC05 CC11 CC37 CC39 DD00 DD01 DD05 EE01 EE07 FF03 FF04 FF09 GG03 GG04 GG06 GG07 5B055 BB12 BB20 CB09 CB10 CC05 CC10 CC13 EE02 EE04 EE21 EE27 FA01 FA08 FB03 FB04 KK05 KK09 PA18 PA02 PA02

Claims (6)

[Claims] Claims: 1. A means for receiving input insurance contract information; a means for receiving an inquiry about the content of an advertised insurance; and a charge for the accepted insurance contract or a price for an insurance promotion. Anyone who handles, handles the Insurance Information Processing, concludes, mediates or brokers insurance contracts, represents insurance contracts, arranges insurance, advertises insurance, or is an insurance company Depending on the means of paying for multiple items and whether the insurance is contracted through an agency,
An insurance information processing apparatus comprising means for changing the contents of the paid consideration. 2. A person who handles the insurance information device by accepting the entered insurance contract information, accepting an inquiry about the contents of the advertised insurance, and accepting the accepted insurance contract consideration or insurance promotion consideration. , A person who performs insurance information processing, a person who has concluded, brokered, or brokered an insurance contract, a person who has represented an insurance contract, a person who has arranged insurance, a person who has advertised insurance, or a plurality of insurance companies Depending on whether the insurance is contracted through an agency or not.
An insurance information processing method for changing the distribution of the consideration to be paid. The change in the distribution of the consideration to be paid is a change in the allocation ratio, a change in the amount of the allocation, or a change in the allocation destination. The person who performs the Insurance Information Processing, the person who handles the Insurance Information Device, A person who has concluded, brokered or brokered the above insurance contract, a person who has represented an insurance contract, a person who has arranged insurance, a person who has advertised insurance, or an insurance company is an insurance handler. Includes those who recruit, cultivate, and cultivate.The advertisement of the person who promoted the insurance mentioned above is an electronic advertisement or a manual advertisement. Allocated to those who handle insurance information devices, those who have concluded, brokered, brokered or represented insurance contracts, those who advertised insurance or insurance companies,
In addition, those who arranged insurance, concluded insurance contracts, brokered
Looking for more intermediaries or people to promote insurance,
It is also allocated to those who nurture and cultivate, and this amount is paid to the above-mentioned payer in a different amount or the same amount, the consideration for the insurance contract or the consideration for the insurance promotion is the consideration for insurance, and the payment of the consideration is Executed after an insurance quote or insurance contract is made, entering information on the above insurance contract, inquiring about the advertised insurance, insurance contract, insurance quote, insurance advertisement, consideration for the insurance contract or insurance The payment for the promotion is
Through a communication line, this communication line being an internet communication line, a mobile or wired telephone line, executed through a computer, a mobile phone or a facsimile machine, with the choice of any of these devices, Claims that store information about the person who inquired about the contents, the person who entered the information of the insurance contract, the person who made the insurance quote or the person who contracted the insurance, and transferred this information to the insurance handler. 1. The insurance information processing device according to 1. 4. A means for storing information on various types of insurance contracted through different agents, different in handling companies, and contracted through an agency or not contracted through an agency, and accepting information of a desired insurance contract inputted. An insurance information processing apparatus comprising: means for selecting and outputting optimal insurance information from the stored various insurances based on the information on the accepted insurance contract. 5. A means for storing information on various types of insurance which are different in content, different in handling company, contracted through an agency or contracted without an agency, And an insurance information processing method for selecting and outputting optimal insurance information from the stored various insurances based on the received insurance contract information. 6. The information of the desired insurance contract to be inputted is use, condition, use situation and purpose of use, and the insurance includes insurance contracted through an agent and insurance contracted without an agent. Including both of the above, the insurance estimate is made at the same time for the outputted optimal insurance information, then the insurance contract is made, and further, the consideration of the insurance contract or the payment of the insurance advertisement is made, and the input of the desired insurance contract is made. The selection and output of the best insurance information, the insurance contract, the insurance quote, the insurance promotion, the payment of the insurance contract or the payment of the insurance promotion are made through a communication line, which can be an internet communication line, a mobile phone or This is a wired telephone line, which is executed through a computer, a mobile phone, or a facsimile device, and any one of these devices can be selected. Request information to store the information about the person who entered the information, the person who received the optimal insurance information, the person who quoted the insurance or the person who contracted the insurance, and transferred this information to the insurance handler Item 5. The insurance information processing device according to Item 4.