JP2002109228A - System for supporting insurance operation - Google Patents

Abstract

PROBLEM TO BE SOLVED: To urge an investor C to perform an investment to a prescribed business B1. SOLUTION: An insurance period L is set to comprise a first time devidend payment schedule date in the business plan of a business to be the object of investment. Unless the devidend is paid within the insurance period L or when the business is hardly continued owing to the bankruptcy of a business operator, insurance is paid by judgement that a business success is not expected. Then the risk of the investor is evaded till the business success is expected. When the devidend is paid, insurance is released by judgement that the business success is promised so that the risk for the future insurance payment of an insurance operator is eliminated in an early stage.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance management support system that supports an insurance operator who manages insurance for investment in a predetermined business (project).

[0002]

2. Description of the Related Art Conventionally, investment by an investor has generally been made to a business operator such as a company that operates various businesses. , It is left to the business operator who received the investment.

On the other hand, it is also conceivable to invest funds used only for a specific specific business (project) itself. This has the advantage that the investment target becomes clearer.

[0004]

However, in the investment for such a specific business, the success or failure of the business determines whether or not compensation such as dividends can be obtained. In particular, a novel new business (project In many cases, it is difficult to predict the success or failure of a business without actually starting the business. For this reason, investment in such a business involves a great deal of risk, and there are great barriers for investors.

[0005] The present invention has been made in view of the above problems, and has as its object to provide a reasonable insurance management support system that can encourage investment in a predetermined business (project).

[0006]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention is directed to an insurance management support system for an investor who invests in a predetermined business and which supports an insurance operator who operates insurance for the investment. And a business plan storage means for storing a business plan of the business including a plan for paying a dividend to an investor for the investment, and including at least a first scheduled dividend payment due date in the business plan. Business progress including whether or not a dividend is paid from the business operator to the investor from the insurance content storage means for storing the set insurance period and the accounting system of the business operator performing the business based on the business plan. Progress report receiving means for sequentially receiving the progress report; and determining whether or not to perform the cancellation process depending on whether or not the business progress report includes that the dividend has been paid. On the other hand, when the dividend is not paid even at the expiration of the insurance period, a processing determining means for determining that the investor should perform the insurance payment processing, and the processing policy determining means And a processing policy informing means for outputting the result of the determination to the insurance operator and informing the insurance operator of the result.

According to such an insurance management support system, if a business operator pays a dividend to an investor during the insurance period including the first dividend payment due date, the invested business can be executed. The insurance is canceled because the company is ready to pay dividends and expects business success. On the other hand, if the dividend is not paid within the insurance period, the investor will be paid the insurance money because it is unlikely that the business will be successful. For this reason, the risk of the investor when the prospect of success of the business is uncertain can be avoided, and investment in such a business can be encouraged.

On the other hand, the insurance operator can know whether or not a dividend has been paid based on the business progress report sequentially received from the accounting system of the business operator. It is possible to obtain a judgment result of canceling the insurance early without waiting for the expiration of the expiration, so that it is possible to quickly and surely know whether there is a risk of causing future insurance payment.

In such an insurance management support system, the processing determining means notifies the investor that the dividend has not been paid even when the insurance period has expired, It is preferable to determine whether or not to end insurance by performing insurance payment processing according to the investor's request.

[0010] In this way, even if the dividend has not been paid yet at the end of the insurance period, if the investor considers that the business will be successful by his own judgment, the investor will be in the invested state. Can be given a degree of freedom to continue, and thus investment in such a business can be encouraged.

[0011] In addition, the processing determination means, if the business progress report indicates that the business operator has not been able to continue the business, pays the insurance money to the investor. It is desirable to determine to perform the processing.

[0012] In this way, if the business operator becomes bankrupt or the business continuation becomes impossible and the business success is not expected, insurance money is paid to the investor. This avoids investor risk from the business operator being unable to continue their business,
Investment in such a business can be further encouraged.

Further, the insurance content storage means is configured to store a guarantee amount by the insurance and a predetermined special contract period set within the insurance period, and the progress report receiving means is configured to store the progress report by the business operator. From the business progress report including the amount of the dividend paid to the investor, and the processing determining means indicates that the dividend has been paid to the business progress report during the special contract period. Is included, it is desirable to reduce the guarantee amount by the paid dividend and determine to perform a cancellation process at the end of the special contract period.

In this way, if the dividend is paid during the special contract period, the insurance will be continued, and if the business operator becomes unable to continue the business during the special contract period, the insurance will be paid. For this reason, during the special contract period, the risk of the investor due to the business operator being unable to continue the business can be reliably avoided, and investment in such a business can be further promoted.

In addition, if the business operator becomes unable to continue the business after the payment of the dividend during the special contract period, the insurance amount to be paid is calculated by subtracting the amount of the dividend already paid from the initial guarantee amount. Is reduced, the insurance operator can easily obtain a reasonable guarantee amount.

[0016] Further, when it is recognized from the business progress report that the business operator is unable to continue the business, the processing determination means notifies the investor of the fact. Then, it is desirable that the insurance payment processing be performed according to the investor's request to determine whether to end the insurance.

[0017] In this way, even in the case where the business operator cannot continue the business, the investor can make an independent decision, for example, if the business is taken over by another business operator. If you think it will be successful,
It is possible to give the investor a degree of freedom to continue the investment state, and thus to encourage investment in such a business.

[0018]

FIG. 1 is an overall configuration diagram of an embodiment of an insurance management support system according to the present invention.

As shown in FIG. 1, the insurance management support system 10 operates insurance for the investment when the investor C makes an investment in a predetermined business B1 operated by the business operator B. It is for supporting the insurance operator A.

The investment by the investor C in the business B1 is specifically made through a neutral third-party organization D. Is temporarily pooled, and necessary funds are provided to the business B1 as needed.

Further, the investor C pays a predetermined insurance premium to the insurance operator A, and the insurance operator A gives the investor C a cancellation processing of the insurance while receiving the support of the insurance operation support system 10. (End processing), insurance money payment processing, and the like.

The insurance management support system 10 includes a CP
U, a memory, a hard disk device, a computer system including information transmitting and receiving means such as a modem, etc., and functionally, as shown in FIG. 1, a business information storage means (business plan storage means) 11, An insurance information storage unit (insurance content storage unit) 12, a progress report reception unit 13, a processing determination unit 14, a guarantee amount calculation unit 15, an insurance premium amount calculation unit 16, and a processing policy notification unit 17 are provided. I have. Each of these means will be described later.

Further, the insurance management support system 10 comprises:
An insurance operator terminal 20 for presenting various information to the insurance operator A and receiving various inputs from the insurance operator A is connected.

Further, the insurance management support system 10 is connected to a business operator accounting system 30 for supporting the accounting process of the business operator B who manages the business.
A business progress report can be received from the progress report transmission means 31 provided in the business operator accounting system 30.

The insurance management support system 10 is connected to an investor terminal 40 composed of a personal computer or the like used by the investor C, and provides the investor (insurer policyholder) C with a predetermined timing. To inform various information, and to receive the request of the investor C for cancellation or continuation of insurance.

Next, each means of the insurance management support system 10 will be described.

Business information storage means (business plan storage means) 1
Reference numeral 1 stores a business plan content and the like for the business B1 reported from the business operator B. Specifically, as shown in FIG. 2, business operator information 111 including a business name, a location, a business name, and the like, and a business plan including an investment amount per unit, a total investment amount, a dividend rate, a planned dividend date, and the like. Information 112. Further, as the information based on the business progress report received from the progress report transmission means 31 of the business operator accounting system 30 after the business operation is started, the business progress information 113 including the real income, the dividend amount, and the payment date is stored. are doing.

Insurance information storage means (insurance content storage means) 1
Reference numeral 2 stores the contents of insurance for investors who have invested in the business. Specifically, as shown in FIG. 3, policyholder information 121 such as the name, date of birth, address, telephone number, etc. of the investor who is the insurance contractor, the insurance premium, the insurance start date, and the scheduled cancellation date of the insurance , Insurance amount information 122 such as guarantee amount, insurance period, special contract period, and investment business name,
Investment contract information 12 such as the number of investment units, investment amount, dividend income, etc.
3 and insurance claim payment information 1 such as the date and amount of the insurance claim paid by the insurance operator A to the investor (insurer policyholder) C
24 etc. are stored. These details will be described later together with the flow of insurance management.

The progress report receiving means 13 receives the business progress report from the progress report transmitting means 31 of the business operator accounting system 30 after the business operation is started, and stores the business progress information 113 in the business information storage means 11. Is stored. More specifically, the system comprises the business operator accounting system 30 and a receiving device capable of transmitting and receiving information via a predetermined network or the like.

The processing determining means 14 sequentially determines whether to cancel the insurance or to pay the insurance money in each scene in the process of operating the insurance. The details of the judgment in each case will be described later together with the flow of insurance management.

The guarantee amount calculating means 15 reduces the guarantee amount stored in the insurance information storage means 12 when a dividend is paid from the business operator B to the investor C during a special contract period to be described later. It is.

The insurance premium calculating means 16 calculates the insurance premium in consideration of various conditions when concluding an insurance contract with the investor (insurer policyholder) C, and stores the insurance premium in the insurance information storage means 12. It is to let.

The processing policy notifying means 17 notifies the insurance operator A of the contents determined by the processing determining means 14 and the like. In this embodiment, since the information is input / output to / from the insurance operator A via the insurance operator terminal 20, the processing policy informing means 17 specifically includes various information for the insurance operator terminal 20. It is configured to send an output request control signal.

Next, the flow of insurance management in the insurance management support system 10 will be described with reference to the drawings as appropriate.

The business operator B who receives the investment,
A predetermined business plan is created for the business No. 1 and the insurance operator A who manages the insurance for the investment in the business B1 is notified.
The business plan includes the total investment amount, the investment amount per unit, the dividend rate expected for the dividend to be paid to the investor, the due date, and the like. If the business plan satisfies a predetermined screening criterion, the insurance operator A stores the business information in the business information storage means 11 of the insurance operation support system 10 via the insurance operator terminal 20 in order to manage insurance for the business. The contents of the business plan etc. are stored.

Further, the business operator B recruits investors C by explaining the business plan of the business B1 and concludes an investment contract with the investor C who wants to make an investment. As described above, the investment from the investor C is once pooled in the third party D, and the fund is provided to the business operator B when necessary in the business B1 based on the business plan. The reason for this is that, in the unlikely event that the business is interrupted, the funds that have not been used until the interruption are separated from the business operator B to achieve conservation.

The investor C who has made such an investment in the business B1 applies to the insurance operator A for insurance for this investment, and concludes an insurance contract with the insurance operator A.
This insurance contract processing will be described with reference to the flowchart of FIG.

Of the following procedures, the procedure performed by the investor (insurer policyholder) C is performed by the person in charge of the insurance operator A who has met directly with the investor C through the insurance operator terminal 20. The information may be input to the management support system 10 or may be input from the investor terminal 40 to the insurance management support system 10 via a network such as the Internet. Here, a case where the processing is performed via the investor terminal 40 will be described as an example.

Investor (insurance policyholder) C who wants insurance
Is the insurance management support system 10 via the investor terminal 40.
Apply for insurance (step S10). This application includes name, date of birth, address, telephone number, etc. as information for identifying the investor C, and the business B to be insured.
1 and information for identifying the investment include the name of the investment business, the number of investment units, the investment amount, and the like.

Upon receiving the insurance application, the insurance management support system 10 notifies the target business B1 from the business operator B in advance and invests per unit from the business plan stored in the business information storage means 11. Is extracted, multiplied by the number of investment units input by the investor C, and compared with the investment amount input by the investor C (step S20).

If the result of this collation does not match (mismatch in step S20), it is determined that the input is incorrect by the investor, and the investor C is prompted to re-input (step S30).

If the result of this collation is coincident (coincidence in step S20), the guarantee amount to be covered by the insurance is set and stored as insurance content information in the insurance information storage means 12 (step S40). Since this insurance is for avoiding the risk of investment in the business B1, the guarantee amount is set up to the investment amount. This setting may be automatically set by the insurance management support system 10 according to a predetermined security amount setting procedure, or may be set in response to an input from the insurance operator A via the insurance operator terminal 20. . Alternatively, it may be set in accordance with a desired guarantee amount input from the investor (insurer policyholder) C via the investor terminal 40 or the like. Here, system 1
It is assumed that 0 automatically sets the entire investment amount as a guarantee amount.

Subsequently, the insurance period of this insurance is set and stored as insurance content information in the insurance information storage means 12 (step S50). The insurance period is set so as to include at least the first scheduled payment date of the dividend from the business plan stored in the business information storage means 11. This setting may be automatically set by the insurance management support system 10 according to a predetermined insurance period setting procedure, or may be set in response to an input from the insurance operator A via the insurance operator terminal 20. . Here, it is assumed that the system 10 automatically sets the date on which the investor C actually paid the investment as the insurance start date, and automatically sets the first due date for paying the dividend in the business plan as the expiration date of the insurance. .

Subsequently, a specific period of the insurance period of this insurance is set as a special contract period.
2 is stored as insurance content information (step S6).
0). The insurance for this investment is based on the condition that the business operator B pays the dividend to the investor C for the investment as a rule, but the term of the special contract is that if the dividend payment is made Refers to a specially set period in which insurance is continued without canceling. This setting may be automatically set by the insurance management support system 10 according to a predetermined special contract period setting procedure, or may be set according to an input from the insurance operator A via the insurance operator terminal 20. . Alternatively, investor (insurer) C
May be set according to the desired special contract period inputted from the investor terminal 40 or the like. Here, it is assumed that the system 10 automatically sets the first half of the insurance period as the special contract period.

Subsequently, the guarantee amount, the insurance period,
The investor (insurance policyholder) C decides according to the special contract period and the risk to the insurance operator B calculated based on the business plan and the business operator's performance stored in the business information storage means 11. The insurance premium to be paid to the insurance operator A is calculated and stored as insurance content information in the insurance information storage means 12 (step S70). The calculation of the insurance premium is performed by the insurance premium calculating means 16. A specific calculation method may be set based on any risk management know-how in the insurance management owned by the insurance operator A or the like.

When the insurance premium is calculated in this manner, the investor (insurance policyholder) C is requested to understand whether the insurance conditions set in the above-described procedure are sufficient (step S80). The request for this consent is presented, for example, by presenting a screen listing the above insurance conditions to the investor terminal 40 via a network line or the like, and clicking either the “OK” or “NG” button on the screen. Can be done by

If the investor (insurance contractor) C does not understand (NO in step S80), the process returns to step S40 to reset each insurance condition.

On the other hand, if the investor (insurance contractor) C understands the insurance conditions (YES in step S80), insurance premium is paid from the investor (insurance contractor) C to the insurance operator A. (NO in step S90 and repeat step S90), and if the insurance premium is paid (YES in step S90), an insurance contract is established and insurance is started from the insurance start date (step S10).
0).

Next, in each case that may occur after the investment business B1 is operated and the insurance period starts, FIG.
This will be briefly described with reference to FIG. The details of the processing in each case performed by the insurance management support system 10 will be described later with reference to the flowchart of FIG.

FIG. 5A is a conceptual diagram of each period in this insurance. As shown in the figure, this insurance has an insurance period L starting from the insurance start date so as to include the expected date of payment of the first dividend in the business plan, and within this insurance period L The special contract period S is set.

FIG. 5B shows a case where a dividend is paid from the business operator B to the investor C during the insurance period L.
If the dividend is paid during the insurance period L, the business is expected to be successful, and the insurance is canceled (terminated) at that time.

FIG. 5 (c) shows a case where the dividend has not been paid even when the insurance period L has expired. The fact that no dividend is paid within the insurance period L means that the business B1
However, it can be said that for some reason, it has not changed as planned.
In this case, as a general rule, insurance is paid from the insurance operator A to the investor (insurer), and then the insurance is canceled (finished)
Is done. Thereby, the investor (insurance policyholder) C can avoid the risk when the prospect of business success is not established.

When the insurance money is paid, the consideration for the investment (the right to receive a dividend in the future) is transferred to the insurance operator A. Therefore, if the investor (insurance policyholder) C considers that the business B1 will succeed in the future without paying the dividend within the insurance period L, the investor (C) refuses to receive the insurance money, and The option to stay invested is also available.

FIG. 5D shows a case where the business B1 is interrupted during the insurance period L. The case where the business B1 is interrupted corresponds to a case where the business is not continued due to various circumstances such as a case where the business operator B has gone bankrupt. This includes temporary interruption. In this case, as a rule, insurance is paid from the insurance operator A to the investor (insurer), and then the insurance is canceled (terminated). Thereby, the investor (insurance policyholder) C can avoid the risk in the case where the business is not expected to succeed due to the interruption of the business.

Note that the investor (insurance policyholder) C has a business B
If it is considered that the business will succeed in the future even if 1 is temporarily interrupted, an option to receive the insurance money and maintain the state of investing in the business B1 while continuing the insurance can be selected.

FIG. 5E shows a case where the business operator B pays a dividend to the investor C during the special contract period S.
The special contract period S is a period set in order to avoid the risk of business interruption even if a dividend is paid early in the insurance period L. Therefore, the insurance is continued even if the dividend is paid within the special contract period S, and the insurance is canceled (terminated) after the special contract period S expires.

FIG. 5F shows a case where the business operator B has paid the dividend to the investor C during the special contract period S but the business B1 is interrupted within the special contract period S thereafter. Show. In this case, as in the case of FIG.
In principle, insurance is paid from the insurance operator A to the investor (insurer policyholder) C, and then the insurance is canceled (terminated).
Thereby, the investor (insurance policyholder) C can avoid the risk in the case where the business is not expected to succeed due to the interruption of the business. In this case, since the risk of the dividend received by the investor (insurer policyholder) C has disappeared, the insurance paid by the insurance operator A is reduced by the amount of the dividend.

Further, the investor (insurer policyholder) C has a business B
If it is considered that the business will succeed in the future even if 1 is temporarily interrupted, an option to receive the insurance money and maintain the state of investing in the business B1 while continuing the insurance can be selected. In this case, as in the case of FIG. 5E described above, the insurance is canceled (finished) after the expiration of the special contract period S.

Next, in each case of operating insurance, in order to correspond to the investor (insurer policyholder) C as described above, the flow of each process performed by the insurance management support system 10 according to the present invention is shown in FIG. This will be described with reference to the flowchart of FIG.

When the insurance period L is started (step S
200), a predetermined period from the start is in the special contract period S. During this time, the progress report receiving means 13 continuously receives the business progress report from the progress report transmitting means 31 of the business operator accounting system 30 via a network line or the like, and stores the received report as appropriate in the business information storage. Means 11 are stored as business progress information 113.

The processing determining means 14 reads out the business information storage means 11 as appropriate during the special contract period S, and determines whether or not a dividend has been paid and whether or not business interruption has occurred (steps S210 and S230). Do.

When the payout is paid (step S
(YES in 210), since the dividend is paid during special contract period S, the insurance guarantee amount is reduced (step S22).
0). Specifically, this amount reduction process is performed by the guarantee amount calculating unit 15 based on the instruction of the processing determining unit 14 with respect to the guarantee amount stored as the insurance content information 122 by the insurance information storage unit 12. Such reduction processing is performed because it can be said that the risk avoided by the insurance has already been avoided by the paid dividend.

Note that if the dividend paid during the special contract period S (total of multiple payments) exceeds the guarantee amount of the insurance, the insurance is automatically canceled (finished).
You may make it. This is because the risks covered by insurance have been eliminated.

If the business is interrupted (YES in step S230), the processing determining means 14 determines whether the investor (insurer is a policyholder).
Inform C that business has been suspended and ask whether to cancel insurance (step S240).
Receive hope. This procedure can be performed directly with the investor C via the communication line and the investor terminal 40, or
This may be performed by inputting / outputting data to / from the insurance operator terminal 20 via a person in charge of the insurance operator A.

As described above, the request of the investor (insurance policyholder) C is made when the investor C thinks that the business B1 will be successful in the future even if the business B1 is temporarily interrupted. This is because it is possible to maintain the state of investing in the business B1 while receiving insurance money and continuing insurance.

If the investor (insurer policyholder) C wants to cancel the insurance (YES in step S240), the processing determination means 14 sends the insurance cancellation processing to the insurance operator terminal 20 via the processing policy notification means 17. By outputting the guarantee amount together with the policy to be performed, the processing policy and the guarantee amount are notified to the insurance operator A. The insurance operator A pays the insurance money for the guarantee amount to the investor (insurance policyholder) C based on the processing policy and the guarantee amount, and ends the insurance (Step S).
330). Note that this insurance money is based on the guarantee amount that has been reduced as described above when a dividend is paid during the special contract period S. The insurance operator A inputs to the insurance management support system 10 via the insurance operator terminal 20 a message indicating that the insurance money has been paid, and the system 10 stores the information in the insurance information storage unit 12.

On the other hand, if the investor (insurance contractor) C wants to continue insurance (NO in step S240), the processing determining means 14 maintains the insurance continued state.

The above processing is repeated if the special contract period S has not expired (NO in step S250).

The processing judging means 14 includes the insurance information storing means 1
If it is determined that the special contract period S has expired with reference to the insurance start date and the special contract period stored as the insurance content information 122 in step 2 (YES in step S250), the payout of the dividend during this special contract period S is It is determined whether or not payment has been made (step S260). Specifically, processing determination means 1
Reference numeral 4 refers to the business progress information 113 in the business information storage means 11 to check whether or not a dividend has been paid.

If the payout is paid during the special contract period S (YES in step S260), the processing determining means 1
4 determines that the insurance cancellation condition is satisfied, and sets a policy of canceling the insurance without paying the insurance money to the investor (insurance policyholder) C via the processing policy notifying means 17 through the insurance operator terminal 20. To inform the insurance operator A of the processing policy. The insurance operator A cancels (ends) the insurance of the investor (insurance policyholder) C based on this processing policy (step S270). The insurance operator A inputs the cancellation of insurance to the insurance management support system 10 via the insurance operator terminal 20, and the system 10 stores the information in the insurance information storage unit 12.

On the other hand, if the payout has not been paid during the special contract period S (NO in step S260), a normal insurance period after the special contract period S (exemption period for the insurance operator A) is entered. Also in this period, the above-mentioned special contract period S
Similarly to the middle, the progress report receiving means 13 continuously receives the business progress report from the progress report transmitting means 31 of the business operator accounting system 30 via a network line or the like,
The received report is stored as business progress information 113 in the business information storage unit 11 as appropriate.

During the insurance period L, the processing judging means 14 reads the business information storage means 11 as appropriate, and judges whether or not a dividend has been paid and whether or not the business has been interrupted (steps S280 and S290). Do.

When a dividend has been paid (step S
(YES in 280), since it is after the special contract period S, the processing determining means 14 determines that the insurance cancellation conditions are satisfied, and executes the insurance cancellation processing without paying the insurance money to the investor (insurer policyholder) C. The policy to be performed is output to the insurance operator terminal 20 via the processing policy notifying means 17 to notify the insurance operator A of the processing policy. The insurance operator A cancels (ends) the insurance of the investor (insurance policyholder) C based on this processing policy (step S270). The insurance operator A inputs the cancellation of insurance to the insurance management support system 10 via the insurance operator terminal 20, and the system 10 stores the information in the insurance information storage unit 12.

When the business is interrupted (YES in step S290), the processing is the same as during the special contract period S described above. That is, the processing determination means 14 notifies the investor (insurance policyholder) C that the business has been suspended and asks whether or not to cancel the insurance (step S240), and receives the request of the investor C.

If the investor (insurance contractor) C wants to cancel the insurance (YES in step S300), the processing determining means 14 sends the insurance canceling processing to the insurance operator terminal 20 via the processing policy notifying means 17. By outputting the policy to be performed, the insurance operator A is notified of the processing policy. The insurance operator A pays the insurance money to the investor (insurer policyholder) C based on this processing policy and ends the insurance (step S33).
0). The insurance operator A inputs to the insurance management support system 10 via the insurance operator terminal 20 a message indicating that the insurance money has been paid, and the system 10 stores the information in the insurance information storage unit 12.

On the other hand, if the investor (insurer policyholder) C desires to continue insurance (NO in step S300), processing determining means 14 maintains the state in which insurance is continued.

The above processing is repeated if the insurance period L has not expired (NO in step S310).

The processing determining means 14 is the insurance information storing means 1
If it is determined that the insurance term L has expired with reference to the scheduled insurance cancellation date stored as the insurance content information 122 in step 2 (YES in step S310), the investor (insurer policyholder) C is It asks whether to receive the insurance money, and receives the request of the investor C (step S320). This procedure may be performed directly with the investor C via the communication line and the investor terminal 40, or may be performed by inputting / outputting data to / from the insurance operator terminal 20 via a person in charge of the insurance operator A or the like. .

When it is determined in step S310 that the insurance period L has expired, it means that the dividend has not been paid within the insurance period L, and during this insurance period L, the first payment in the business plan is performed. Since the expected payment date is included, it indicates that the business B1 did not progress as planned in the end. Therefore, in this case,
In principle, the insurance money is paid to the investor (insurer policyholder) C, and the insurance is canceled.

In such a case, it is considered that the business B1 will succeed in the future even if the investor C does not pay the dividend within the insurance period L in order to confirm the desire of the investor C to receive the insurance money. In this case, the investor C terminates the insurance without receiving the insurance money, so that the investor C can maintain the state of investing in the business B1.

If the investor (insurance policyholder) C wants to pay the insurance money (YES in step S320), the processing determining means 14 cancels the insurance to the insurance operator terminal 20 via the processing policy notifying means 17. The insurance policy is notified to the insurance operator A by outputting the guarantee amount together with the policy for performing the processing. The insurance operator A pays the insurance money for the guarantee amount to the investor (insurance policyholder) C based on the processing policy and the guarantee amount, and ends the insurance (step S330). The insurance operator A inputs to the insurance management support system 10 via the insurance operator terminal 20 the fact that the insurance money has been paid, and the system 10
Is stored.

On the other hand, if the investor (insurance policyholder) C does not want to receive the insurance money (N in step S320)
O), the processing determining means 14 causes the insurance operator A to output the policy of terminating (cancelling) the insurance without paying the insurance money to the insurance operator terminal 20 via the processing policy notifying means 17, thereby causing the insurance operator A to perform the processing. Announce policy. The insurance operator A ends the insurance without paying the insurance money to the investor (insurer policyholder) C based on this processing policy (step S34).
0). The insurance operator A inputs to the insurance management support system 10 via the insurance operator terminal 20 the fact that insurance has been terminated without paying the insurance money, and the system 10 stores the information in the insurance information storage means 12. To process.

As described above, according to the insurance management support system 10 of the present invention, the payment of the dividend from the business operator A to the investor C during the insurance period L including the first scheduled payment date of the dividend. If there is, the business B1 in which the investment has been made is ready to pay the dividend, and the insurance is canceled on the assumption that the business B1 is expected to succeed. On the other hand, if the dividend is not paid within the insurance period L, the investor C is paid the insurance money on the assumption that the business B1 is not expected to succeed. For this reason, the risk of the investor C in the case where the prospect of the success of the business B1 is unlikely can be avoided, and such an investment in the business B1 can be encouraged.

On the other hand, the insurance operator A can know whether or not the dividend has been paid by the business progress report sequentially received from the accounting system 30 of the business operator B,
When a dividend is paid, it is possible to obtain a result of early termination of insurance without waiting for the expiration of the insurance period L, so that it is possible to quickly and surely know whether there is a risk of future insurance payment. it can.

Further, even when the dividend is not paid at the time of expiration of the insurance period L, if the investor considers that the business is successful by his own judgment, the investor C may respond to the request. In order to determine the policy of whether or not to receive the insurance payment, the investor C can be given a degree of freedom to continue the investment state, and thus can be encouraged to invest in such a business.

Further, if the business B1 is interrupted during the insurance period L, the insurance money will be paid to the investor C in principle, and the business operator B will go bankrupt. The possibility of avoiding the risk of the investor C in the case where the prospect of success of the business B1 is not high can be avoided, and such investment in the business B1 can be further promoted.

Further, even if the business B1 is interrupted during the insurance period L, the investor C can make an
For example, when it is considered that the business B1 is succeeded by another business operator and succeeds, the investor C is given a degree of freedom to continue investing without canceling the insurance. This can encourage investment in B1.

Further, a special contract period S is set within the insurance period L. If the special contract period S is within the special contract period, the insurance will continue until the special contract period S expires even if the dividend is paid. Thus, the risk of the investor C due to the business operator B going bankrupt and the business B1 being unable to continue can be reliably avoided, and the investment in the business B1 can be further promoted.

When the dividend is paid during the special contract period S, the guarantee amount is reduced by the paid dividend, and thereafter, the business operator B continues the business B1 during the special contract period S. If the state becomes impossible, the reduced amount of the guaranteed amount is notified to the insurance operator A, so that the insurance operator A can easily obtain a reasonable guarantee amount.

Although the present invention has been described with reference to the embodiment, the insurance management support system according to the present invention is not limited to the above embodiment, and may be configured as follows.

(1) In the above embodiment, the special contract period S is set in advance within the insurance period L. However, when a dividend is paid, the payment date is set as a start date for a predetermined period (for example, 6 months). May be dynamically set as the special contract period S.

(2) In the above embodiment, except for during the special contract period S, if the dividend is simply paid, the insurance is canceled (terminated) on the assumption that the business is expected to succeed in principle. Cancellation (end) of insurance may be determined not only by simply determining whether or not a dividend has been paid but also by including the amount of the dividend. Specifically, the business plan also specifies the expected amount of dividends, and compares this estimated amount with the actual amount of dividends paid to determine whether to cancel (end) insurance. Can be mentioned.

In such a case, a business progress report storage means for storing the business progress report is provided, and the processing determining means 1 is provided.
4 compares and compares the business plan with the business progress report, and if the two match or the actual progress is better, a determination is made to shift to the insurance cancellation mode.

(3) In the above embodiment, if the first dividend payment is made during the insurance period L, the insurance is canceled (finished) in principle. It may be determined whether or not to cancel (end) the insurance based on whether or not the payment was made as planned.

(4) In the above embodiment, the guarantee amount is the same as the investment amount, but the investor (insurance policyholder) C can arbitrarily set the guarantee amount within a range not exceeding the investment amount. Is also good. Alternatively, the insurance operator A may set a predetermined guarantee amount. In these cases as well, the insurance premium paid by the investor (insurer policyholder) C to the insurance operator A may be set according to the guarantee amount.

(5) In the above embodiment, the insurance is started by the investor (insurance policyholder) C paying the insurance premium to the insurance operator A, but the investment in the business B1 is started. The investment and the insurance may be integrated so that the insurance for the investment is automatically started when the investment in the business B1 is made by including the insurance premium.

[0097]

As described above, according to the insurance management support system according to the present invention, the business operator pays the dividend to the investor during the insurance period including the first dividend payment expected date. For example, if the invested business is ready to pay dividends and the business is expected to be successful, insurance will be canceled, but if no dividends are paid within the insurance period, Investors are paid insurance claims that they are unlikely to succeed, thereby avoiding the risk of investors if their business is not likely to succeed,
Investment in such businesses can be encouraged.

On the other hand, the insurance operator can know whether or not the dividend has been paid based on the business progress report sequentially received from the accounting system of the business operator. It is possible to obtain a judgment result of canceling the insurance early without waiting for the expiration of the expiration, so that it is possible to quickly and surely know whether there is a risk of causing future insurance payment.

[Brief description of the drawings]

FIG. 1 is an overall configuration diagram showing an embodiment of an insurance management support system according to the present invention.

FIG. 2 is a conceptual diagram showing contents of a business information storage unit.

FIG. 3 is a conceptual diagram showing the contents of insurance information storage means.

FIG. 4 is a flowchart illustrating a procedure of an insurance contract process.

FIG. 5 is an explanatory diagram of each case that may occur after the insurance period starts.

FIG. 6 is a flowchart showing a processing procedure in each case of operating insurance.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Insurance management support system 11 Business information storage means (business plan storage means) 12 Insurance information storage means (insurance content storage means) 13 Progress report receiving means 14 Processing judgment means 15 Deposit amount calculation means 16 Insurance premium amount calculation means 17 Processing policy Notification means 20 Insurance operator terminal 30 Business operator accounting system 31 Progress report transmitting means 40 Investor terminal A Insurance operator B Business operator B1 Business C Investor (insurer) D Third party organization

Claims (5)

[Claims] 1. An insurance management support system for an investor who invests in a predetermined business and supports an insurance operator who operates insurance for the investment, wherein a dividend is paid to the investor for the investment. Business plan storage means for storing a business plan of the business including a plan; insurance content storage means for storing an insurance period set to include at least a first dividend payout due date in the business plan; Progress report receiving means for sequentially receiving, from the accounting system of the business operator performing the business based on the business plan, a business progress report including whether or not a dividend has been paid to the investor from the business operator; While it is sequentially determined whether or not to perform the cancellation processing based on whether or not the progress report includes the fact that the dividend has been paid, at the time of the expiration of the insurance period, A processing determining means for determining that the investor should perform the insurance payment processing when the dividend is not paid; and outputting a result of the determination by the processing policy determining means to the insurance operator for notification. An insurance management support system comprising: 2. The method according to claim 1, wherein the payout is not performed even when the insurance period expires.
The method according to claim 1, wherein the investor is notified of the fact and performs insurance payment processing to determine whether or not to end the insurance, according to the investor's request. 1. The insurance management support system according to 1. 3. The processing determining means, if the business progress report indicates that the business operator has not been able to continue the business, pays the insurance money to the investor. The insurance management support system according to claim 1, wherein a determination is made to perform a process. 4. The insurance content storage means is configured to store a guarantee amount of the insurance and a predetermined special contract period set in the insurance period, and the progress report receiving means is configured to be a business operator. From the business progress report including the amount of the dividend paid to the investor, and the processing determining means indicates that the dividend has been paid to the business progress report during the special contract period. 4. The method according to claim 3, wherein when the special contract period is included, the guarantee amount is reduced by the paid dividend and the termination process is performed at the end of the special contract period. Insurance management support system. 5. The processing determining means, when the business progress progress report finds that a situation in which the business operator cannot continue the business has occurred, notifies the investor of the fact. 5. The insurance management support system according to claim 3, wherein the insurance payment processing is performed according to the investor's request to determine whether to end the insurance.