JP2002149985A - Insurance contract system and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To support a customer to offer an insurance any time, immediately acquire an insurance policy and smoothly and reasonably do insurance contacting work. SOLUTION: Special forms to be used for printing insurance policies are previously distributed to customers 20. This insurance contract system 10 stores number data for the special forms. When the customer offers the insurance, a customer side terminal 22 is connected to the insurance contract system 10 through a communication network NET and transmits insurance offering data. The insurance contract system 10 inputs the insurance offering data, makes an insurance policy form in accordance with the insurance offering data and transforms it into a document file. When a printing directive signal for the insurance offering data is received from the customer side terminal 22, data for the corresponding document file is transmitted to the customer side terminal and permitted to be printed by a customer printer 24. The customer 20 prints an insurance policy C using a special form P. Upon completing printing by a preset number, the number of the number data for the special form being stored is subtracted by the preset number for renewing operation.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance contract system and an insurance contract method for assisting an insurance company to smoothly and rationally perform an insurance contract business for an insurance contract with a customer.

[0002]

2. Description of the Related Art Conventionally, when an insurance contract is made between an insurance company and a customer, first, the insurance application is notified from the customer in writing or by fax, and then the insurance company checks the insurance conditions. , Create an insurance policy, post the insurance policy,
Delivery to customers using courier services.

[0003]

Therefore, no matter how much time is left, it takes a few days to complete the insurance application business. This is because, even if the insurance policy can be created immediately upon receiving necessary information from the customer in writing or by fax or the like, the insurance application cannot be completed unless the insurance policy is delivered to the customer. Taking the example of cargo insurance, for example, a luggage seller needs to send an insurance policy together with an invoice and a waybill to the buyer when transporting the luggage. Therefore, if the insurance policy must arrive at the seller by the time it is sent and there is not enough time,
There is a problem that insurance application work becomes difficult. On the other hand, it is conceivable to automate the insurance application procedure using a public communication network such as the Internet, which has spread rapidly in recent years. However, since the insurance policy must be the original, It still has to rely on mailing, etc., and is not a fundamental solution.

[0004] The present invention has been made in view of the above problems, and allows a customer to apply for insurance at any time, obtain an insurance policy or the like immediately, and smoothly and rationally carry out insurance contract business. It is an object of the present invention to provide an insurance contract system and an insurance contract method that assist in performing the contract.

[0005]

In order to achieve the above object, according to the first aspect of the present invention, the present invention is directed to a client terminal under the control of a customer to whom a dedicated paper has been distributed in advance via a communication network. An insurance contract system for communicating and performing insurance contract processing, comprising: storage means for storing data on the number of sheets of exclusive paper possessed by the customer; and insurance application data transmitted from the customer terminal, Insurance application processing means for inputting data, certificate creation processing means for creating an insurance policy form based on the insurance application data input by the insurance application processing means and converting it into a document file, and the insurance application from a customer terminal Upon receiving a print instruction signal for the data, the corresponding document file data is transmitted to the customer terminal, and printing by the printing means designated by the customer terminal is determined. A certificate print processing unit for updating the number data by subtracting a predetermined number of copies from the number data of the number data stored in the storage unit, and using a printing unit designated by the customer terminal. What is printed on special paper is the insurance policy.

According to a second aspect of the present invention, there is provided an insurance contract system for performing an insurance contract process by communicating via a communication network with a customer terminal under the control of a customer to whom exclusive paper has been distributed in advance. A storage unit for storing data of the number of sheets of exclusive paper possessed by the customer, and an electronic transaction server for storing transaction data of an electronic transaction performed between the customer terminal and the customer terminal via a communication network. Insurance application processing means for receiving the received transaction data and creating insurance application data, and a certificate creation processing for creating an insurance policy form and converting it into a document file based on the insurance application data created by the insurance application processing means Means and a print instruction signal for the insurance application data from the customer terminal, and transmits the corresponding document file data to the customer terminal. A certificate print processing unit for permitting printing by a predetermined number of copies by a printing unit designated by the customer side terminal, and updating the number data by subtracting a predetermined number of copies of the number data stored in the storage unit; An insurance certificate is a product printed on a dedicated sheet using a printing unit designated by the customer terminal.

[0007] According to a third aspect of the present invention, in the first or second aspect, the insurance application data includes:
A contract information database that stores the document file corresponding to the insurance application data in association with printed flag data indicating whether or not the document file has been printed, wherein the certificate print processing unit includes a print instruction signal from the customer terminal; In response to this, the printed flag is changed to printed.

According to a fourth aspect of the present invention, the certificate creation processing means according to any one of the first to third aspects issues a password permitting printing of the document file together with creation of the document file. And transmitting the password to the customer terminal.

According to a fifth aspect of the present invention, in the certificate print processing means according to any one of the first to fourth aspects, the number of sheets of dedicated paper number data stored in the storage means is larger than a predetermined number of copies. When the number is small, printing is not permitted.

According to a sixth aspect of the present invention, in any one of the first to fifth aspects, when the number of pieces of data stored in the storage means is smaller than a predetermined number, It is characterized by further comprising a certificate-specific paper monitoring means for outputting data relating to the customer.

According to a seventh aspect of the present invention, in any one of the first to sixth aspects, a storage means for storing data extracted from the insurance application data as an insurance application pattern, An insurance application pattern selection processing means for transmitting the insurance application pattern to the customer terminal in response to a request from the customer terminal is further provided.

According to an eighth aspect of the present invention, the insurance application processing means according to any one of the first to seventh aspects provides an insurance application transmitted from a customer terminal based on a predetermined criterion. It is characterized by determining whether to accept data.

According to a ninth aspect of the present invention, in accordance with any one of the first to eighth aspects, there is provided a contract information database for storing the insurance application data,
A contract list output processing means for transmitting at least a part of the insurance application data of the customer to the customer terminal in response to a request from the customer terminal.

The invention according to claim 10 is the first invention.
10. The system according to any one of claims 1 to 9, further comprising: an insurance performance database for storing insurance claim data relating to insurance claims in association with insurance application data, wherein said customer data is stored in response to a request from said customer terminal. The present invention is further characterized by further comprising insurance result list output processing means for transmitting at least a part of the insurance claim data and loss ratio data based on the insurance claim data to the customer terminal.

[0015] Further, according to the present invention, communication is performed between a customer terminal under the control of a customer to whom a special form is distributed in advance and a computer system under the control of an insurance company via a communication network. Performing an insurance contract process, wherein the computer system comprises:
Storing the number data of the exclusive paper possessed by the customer, the computer system receiving the insurance application data transmitted from the customer side terminal, and inputting the insurance application data; and Based on the entered insurance application data,
Creating an insurance policy form and converting it to a document file, the computer system receiving a print instruction signal for the insurance application data from the customer terminal, transmitting the corresponding document file data to the customer terminal, Permitting a predetermined number of copies to be printed by the printing means specified by the customer terminal, and updating the number data by subtracting the predetermined number of copies of the stored number data from the computer system. Prepared,
What is printed on the special paper using the printing means designated by the customer terminal is an insurance policy.

According to a twelfth aspect of the present invention, communication between a customer terminal under the control of a customer to whom exclusive paper has been distributed in advance and a computer system under the control of an insurance company via a communication network. Performing an insurance contract process, wherein the computer system comprises:
Storing the number data of the exclusive paper possessed by the customer, the computer system receiving the insurance application data transmitted from the customer side terminal, and inputting the insurance application data; and Receiving transaction data transmitted from an electronic transaction server that stores transaction data of an electronic transaction performed via a communication network between the customer terminal and the customer terminal, and creating insurance application data; The computer system creates an insurance policy form based on the created insurance application data and converts it into a document file; and
Receiving a print instruction signal for the insurance application data from the customer terminal, transmitting the corresponding document file data to the customer terminal, and permitting a predetermined number of copies to be printed by the printing means specified by the customer terminal; And updating the number data by subtracting a predetermined number of copies of the stored number data from the stored number data, and printing on dedicated paper using a printing unit designated by the customer terminal. What you did is an insurance policy.

The invention according to claim 13 is the first invention.
13. The apparatus according to 1 or 12, further comprising a step of storing the insurance application data in association with printed flag data indicating whether or not a document file corresponding to the insurance application data has been printed. In the step of permitting printing, receiving the print instruction signal from the customer side terminal, the print completion flag data is changed to printed.

The invention according to claim 14 is the first invention.
14. The step of creating the insurance policy form according to any one of 1 to 13 and converting the form into a document file, issuing a password permitting printing of the document file together with creation of the document file, and sending the password to the customer terminal. The method further includes transmitting the password.

The invention according to claim 15 is the first invention.
15. The method according to any one of 1 to 14, wherein in the step of permitting a predetermined number of copies, the printing is not permitted when the stored number of pieces of dedicated paper data is smaller than a predetermined number of copies.

[0020] Further, the invention according to claim 16 is based on claim 1.
The computer system according to any one of 1 to 15, further comprising a step of, when the number of the stored special paper number data becomes smaller than a predetermined number, outputting the data regarding the customer. It is characterized by the following.

Further, the invention according to claim 17 is based on claim 1.
17. The computer system according to any one of 1 to 16, wherein the computer system extracts predetermined data from the insurance application data, and stores the data as an insurance application pattern. And transmitting the insurance application pattern in response to a request from the client.

The invention according to claim 18 is the first invention.
In the step of inputting the insurance application data according to any one of 1 to 17, it is determined whether or not to accept the insurance application data transmitted from the customer terminal based on a predetermined criterion. .

The invention according to claim 19 is the first invention.
The computer system according to any one of 1 to 18, wherein the computer system accumulates the insurance application data, and wherein the computer system responds to a request from the customer terminal by using at least the insurance application data of the customer. Transmitting a portion of the data to the customer terminal.

The invention according to claim 20 is the first invention.
20. The computer system according to any one of 1 to 19, wherein the computer system stores insurance claim data relating to the insurance claim in association with insurance application data, and wherein the computer system responds to a request from the customer terminal. Transmitting at least part of the insurance claim data of the customer and loss ratio data based on the insurance claim data to the customer terminal.

In the present invention, first, a special paper used for printing an insurance policy is distributed to a customer in advance, and an insurance contract system (or a computer system, hereinafter the same)
The data on the number of sheets of the special paper is stored and stored. Then, when the customer applies for insurance, first, the customer terminal connects to the insurance contract system via a communication network and transmits insurance application data. In the insurance contract system, it is determined whether or not insurance application data can be accepted based on a predetermined standard as necessary, and processed and input. Further, based on the received insurance application data, the insurance policy form is created and converted into a document file. When a print instruction signal for the insurance application data is received from the customer terminal, the data of the corresponding document file is transmitted to the customer terminal, and printing by the printer (printing means) of the customer is permitted. The customer prints the insurance policy using a special form distributed in advance. Thus, at about the same time as the insurance application,
You will be able to get the original insurance policy. The document file is preferably a file that cannot be falsified on the customer side. Further, at the same time as creating the document file, it is preferable to issue a password permitting the printing of the document file in the insurance contract system and transmit the password to the customer terminal, and the customer inputs the password, It would be nice if you could print your insurance policy.
This can prevent a person completely unrelated to the person who made the insurance application from printing, and prevent the insurance certificate from being printed unnecessarily. When the printing of a predetermined number of copies is completed, the insurance contract system performs a process of subtracting the stored number of sheets of dedicated paper by a predetermined number of copies, and updates the data. The number of dedicated papers at hand is equal to the actual number of papers. Also, when the print instruction signal is transmitted from the customer side, it is known that if the number data of the number stored in the insurance contract system is smaller than the predetermined number of copies, it is not possible to print on the special paper.
Printing should not be permitted.

When the printing of a predetermined number of copies is completed, it is preferable that, in principle, the customer cannot print the insurance policy for the insurance application. In this way, unnecessary printing of an insurance policy can be prevented. Therefore, in the insurance contract system, printed flag data indicating whether printing has been completed in association with the insurance application data may be stored. Then, when the printing is completed, the printed flag data is set as printed, and if the printing is completed, the printing may not be permitted. If the printing fails on the customer side, the customer may be notified by any means, change the printed flag data to data that has not been printed, and then permit reprinting by the customer. .

Thus, even if the special paper is distributed to the customer,
Unnecessary printing can be prevented, and the number of sheets stored in the insurance contract system matches the actual number of special paper sheets at hand, so that the insurance company can always accurately grasp and monitor the number of sheets. Can be kept. In this way, when the number of pieces of data becomes smaller than the predetermined number, the customer can be specified and the special paper can be distributed to the customer in advance, and it is necessary to urgently apply for insurance. In this case, it is possible to prevent a situation where the insurance policy cannot be printed and the insurance policy cannot be obtained immediately.

Optionally, instead of directly receiving the insurance application data from the customer terminal, when an electronic transaction is performed between the customer terminal and the business partner terminal, the electronic transaction is linked to the electronic transaction. Alternatively, insurance application data may be created from transaction data stored in an electronic transaction server. In this case, it is possible to omit the input of the duplicated information at the customer terminal, which is more efficient.

As described above, by receiving the insurance application data from the customer terminal using the communication network,
Alternatively, by creating insurance application data from transaction data from an electronic transaction server, the data can be stored in the insurance contract system, and the stored data can be used to further improve service to customers. Can be done.

That is, in many cases, the insurance application of a customer is made by applying the same contents due to the nature of the business of the customer. In such a case, it is preferable to extract predetermined general-purpose data from the insurance application data, create an insurance application pattern, and store it in the insurance contract system. Then, the insurance application pattern may be transmitted to the customer terminal in response to a request from the customer terminal. By creating new insurance application data using the data of the insurance application pattern, the customer can save time and effort in inputting and becomes more efficient.

Further, in order to accumulate insurance application data in the insurance contract system, at least a part of the insurance application data made by the customer can be transmitted to the customer terminal in response to a request from the customer terminal. . Thus,
Customers can browse their insurance application data whenever they like. If the customer makes a large number of policy applications, the customer may not know what insurance policy was applied, and in such a case, the insurance contract system based on the insurance application data entered by the customer himself. Since the data accumulated in the above can be browsed from the terminal on the customer side, the use value of the insurance contract system increases for the customer.

Further, by storing the insurance claim data relating to the insurance claim in the insurance contract system in association with the insurance application data, the insurance application data and the insurance claim relating to the customer can be requested by a request from the customer terminal. At least a part of the data can be transmitted to the customer terminal. Further, since data relating to the loss ratio can be obtained from these data, the data can be transmitted to the customer terminal in response to a request from the customer terminal.
In this way, the customer can browse the loss ratio data at any time. The loss ratio data is data of high interest to the customer, and since this data can be browsed from the terminal on the customer side, the use value of the insurance contract system increases for the customer.

The present invention is not limited to the embodiments described in the specification, but can be variously modified within the scope of the claims.

[0034]

Embodiments of the present invention will be described below with reference to the drawings.

(First Embodiment) FIG. 1 is a block diagram showing the overall configuration of a system according to a first embodiment for implementing the system of the present invention and the method of the present invention. In FIG. 1, reference numeral 10 denotes an insurance contract system of the insurance company 1. The insurance contract system 10 includes a WWW server 12 connected to a public communication network NET such as the Internet via a gateway 15, and a WWW server 12.
An authentication server 14, a contract information server 16, and a client terminal 18 connected to an internal network. These servers 12, 14, 16 can also consist of a single server or more servers.
Reference numeral 22 denotes a customer terminal operated by the customer 20 (20A, 20B,...), And the customer terminal 22 is connectable to the WWW server 12 via the public communication network NET.

Between the insurance company 1 having the insurance contract system 10 and the customer 20 operating the customer terminal 22,
A comprehensive contract has been made in advance, and the customer 20 has obtained a customer ID and password from the insurance company for using the insurance contract system 10, and has a contract with a person who can apply for insurance using the system. Has become. Further, the customer has a dedicated paper P for printing the insurance policy C (C1, C2,...) At hand. The dedicated paper P is issued by the insurance company 1, and a predetermined number of sheets are distributed from the insurance company 1 to the customer 20 in advance by means other than electronic distribution such as mailing. This special paper P can be made of any kind, but in order to prevent forgery of the certificate,
It can be one with a logo or watermark of the insurance company printed. Further, common matters such as notes and the like in all cases may be printed in advance. Hereinafter, the cargo insurance will be described with an example. In freight insurance, the system and method are very useful because insurance policies play a very important role as proof of claim. However, insurance policies also play a significant role in other insurance (eg, life or fire insurance, car insurance, dry insurance, including travel insurance, non-life insurance, including liability insurance, etc.) Needless to say, the present system and method can be similarly applied to any other insurance, and thus it is not intended to limit the present invention to only cargo insurance. FIG.
, Reference numeral 30 (30A, 30B,...) Denotes a luggage buyer who has received the insurance certificate C before the luggage, and if the luggage has an accident, the insurance company 1
Is a person who can make an insurance claim based on the insurance policy C.

FIG. 2 is a configuration block diagram of the WWW server 12. The WWW server 12 has a control unit including a CPU, and the control unit operates based on a program stored in a main memory including a ROM and a RAM. Further, in addition to a memory unit in which various databases and tables are stored, a display unit such as a CRT or an LCD,
It has an input unit such as a keyboard and a mouse, and an input / output control unit that inputs and outputs data to and from a communication network. The other servers 14 and 16 have the same configuration as the configuration in FIG.

The customer terminal 22 has a display unit such as a CRT and an LCD, and an input unit such as a keyboard, a numeric keypad, and a mouse, in addition to the control unit. The customer terminal 22 is a WW
The W server 12 has a browser for transmitting and receiving data to and from each other via the public communication network NET, and browsing the data transmitted from the WWW server 12 on a display unit. In the customer terminal 22, a printer 24 (see FIG. 1) as a printing means is designated, and the terminal 22 has a printer driver incorporated therein.

FIG. 3 is a block diagram of the insurance contract system 10. In the figure, a WWW server 12 includes a customer authentication processing unit 122, an insurance application pattern selection processing unit 123, and an insurance application processing unit 1 as various functions that its control unit executes based on various programs stored in a main memory.
24, certificate creation processing unit 125, certificate print processing unit 126,
Dedicated paper monitoring unit 128, contract list output processing unit 13
0, an insurance application pattern addition processing unit 132, an insurance application pattern maintenance unit 134, and an insurance performance list output processing unit 136. Also, when processing each part,
Various page files that define data of Web pages to be displayed on the display unit of the customer terminal 22 are stored. The client terminal 18 has a contract information maintenance unit 15
0 is provided.

The memory section of the authentication server 14 stores a customer master 202 and a customer-specific rate master 204.

The customer master 202 mainly records attribute data of customers who have entered into a comprehensive contract, and FIG. 4A shows an example of the configuration. Customer ID, password, open policy (O / P) No. , Contractor name, person in charge, address, telephone number, fax number, e-mail address, number of special paper sheets, rate classification, insurance rate (Cargo Rate),
Fields such as an insurance rate (duty rate) and a minimum insurance premium are included. Here, the initial value of the number of dedicated sheets is
It is the number of specialty papers initially distributed by insurance companies to their customers after signing a comprehensive contract. In the rate category, a value of 0 is input when the rate is selected, and a value of 1 is input when the rate is arbitrary.

The customer-specific charge rate master 204 is provided for each customer, and when the rate category of the customer master 202 is of a selective type, data relating to the insurance rate that can be selected by each customer is mainly recorded. FIG. 4B shows an example of the configuration. Items for rate display, freight, partner country, insurance rate (Cargo Rate), insurance rate (DutyR)
ate). This insurance rate is
It is decided between the customer and the insurance company when making a comprehensive contract in advance, so that the insurance premium rate can be changed according to each element such as freight, partner country, etc. and the combination pattern of those elements. It has become. The customer can automatically select a rate by selecting a rate display item representing an element pattern when applying for insurance as described below. Further, in the example of FIG. 4B, the freight and the partner country are illustrated as the elements that determine the insurance rate, but the present invention is not limited to this, and the customer-specific rate master 204 can be set according to the customer according to the agreement with the customer. Can be changed, and other elements (for example, transportation means) can be added or replaced in the fields of the customer-specific rate master 204 as elements for determining the insurance rate.

The memory section of the contract information server 16 includes an application pattern master 206, a contract information database 210, a comprehensive contract information database 212, an insurance performance database 214, a number of certificate document files corresponding to each contract, and a DebitNote document file. Is stored.

The application pattern master 206 is provided for each customer, and records the data of the insurance application pattern of the template registered by the customer in advance for the versatile item contents frequently entered by each customer for insurance application. It can be registered at the end of a certain application or at any time as described later. Pattern name, content, insured person, Vessel Name, place of origin, destination, final destination, cargo Fields such as details / quantity, insurance conditions, etc. are included.

The contract information database 210 includes:
The data relating to the application registered by the customer using the present system 10 is recorded. , Application date, open policy (O / P) No. , Insured, Invoice N
o, export form, transportation equipment, Vessel Name, departure date, place of origin, destination, final destination, details / quantity of cargo, insurance conditions, insurance rate (Cargo Rate), insurance rate (Duty Rate), certificate creation date , Certificate Document File Name, Password, Certificate Printed Flag, Deb
itNote file name, password, DebitNo
te Printed flag, the number of prints, and the like are included.

The comprehensive contract information database 212 mainly records data relating to a comprehensive contract with a customer, and the open policy (O / P) No. , Customer I
D, contract conditions, and other fields are included.

The insurance performance database 214 includes:
Claimed data is recorded and claims N
o. , Securities No. Includes fields such as, departure date, country, accident summary, insurance claims paid, expenses, collections, and transportation equipment. Securities No. of the same field item Thus, the insurance claim data in the insurance performance database 214 is associated with the insurance application data in the contract information database 210.

Next, the insurance contract processing procedure in the insurance contract system 10 when a certain customer applies for a contract online from the customer terminal 22 via the public communication network NET will be described with reference to FIGS. Will be described with reference to FIG. When the URL of the WWW server 12 is specified on the customer side terminal 22 and the WWW server 12 is accessed, a homepage screen of the insurance company is displayed on the display unit as shown in FIG. When the cargo insurance contract service button is selected on the screen (or when clicked with a mouse, the same applies hereinafter), the customer shown in FIG. 6B is prompted to input a user ID (customer ID) and a password. The customer authentication processing unit 122 is activated by a hyperlink to the authentication screen. When a user ID and a password are input from the customer terminal 22, the customer authentication processing unit 1
At 22, after confirming whether the customer ID and the password recorded in the customer master 202 match or not, the login is permitted only when the customer ID and the password match.
After displaying the message, re-display the authentication screen and prompt for re-entry.

When login is permitted, a top menu shown in FIG. 6C is displayed, and “1.
“2. Inquiry of insurance contract list”, “3.
The screen prompts selection of each menu button of “4. Insurance application pattern maintenance”.

When the “1. Insurance application” menu is selected, the insurance application pattern selection processing section 123 is activated, and
The pattern registered from the application pattern master 206 corresponding to the customer is extracted, and as shown in FIG.
A list of insurance application patterns is displayed, and a "do not use pattern" selection button is displayed in preparation for a case where the pattern is not used, and input from the customer terminal 22 is awaited.

When one of the insurance application patterns is selected from the customer side terminal 22 or when the “do not use pattern” selection button is selected, the insurance application processing unit 12
4 starts, the insurance application input form shown in FIG. 7E is displayed, and input from the customer terminal 22 is awaited. When one of the insurance application patterns is selected from the customer terminal 22, the corresponding record is read from the application pattern master 206, the data of the record is displayed at the corresponding input item, and the record is not included in the pattern. The item is left blank and the system waits for input. When "do not use pattern" is selected, the input items are basically blanked, and are in a state of waiting for input. A blank input item is input from the customer terminal 22, or data to be changed among the data read and displayed from the application pattern master 206 is changed. Here, as one of the input items, “customer's rate”, all the records registered in the customer-specific rate master 204 corresponding to the customer are extracted, and a rate display item (rate) of each record is extracted. Pattern A, rate pattern B, and rate pattern C) are listed as pull-down options.

When the input of the insurance application input form is completed and the “Send” button is pressed from the customer terminal 22,
The insurance application processing unit 124 determines whether the input data is acceptable based on a predetermined criterion. This criterion may be a uniform criterion for all application data, or may be a criterion different for each customer. For example, the comprehensive contract information database 21
2, it may be determined whether the application data matches the comprehensive contract data by comparing the comprehensive contract data with the comprehensive contract data. If the input cannot be accepted, the color of the input item that does not satisfy the criterion is changed, or the screen returns to the screen of FIG. If the rate is acceptable, the rate is read from the input rate display item with reference to the customer-specific rate master 204, and the insurance premium is calculated based on the rate. Then, FIG.
As shown in (2), the entered contents and the calculated insurance premium are displayed to prompt the customer to confirm. If the content is correct, the "Apply" button on the customer terminal 22 is pressed. Alternatively, if there is a change in the content, the "change content" button is pressed, and if the application is canceled, the "cancel" button is pressed. When the content change button is selected, the screen returns to the screen shown in FIG. 7E, the insurance application input form in which the data input immediately before is input to each input item is displayed, and the change from the customer terminal 22 is performed. Wait for changes in input items to be made. If the “cancel” button is selected, the process returns to the top menu in FIG. When the “Apply” button is selected, data on these contracts is added to the contract information database 210.
If several insurance contract candidates can be presented for the application data, the candidates may be displayed on the customer terminal 22 to prompt the customer terminal 22 to make a selection.

When the application procedure from the customer is completed in this way, the certificate creation processing unit 125 is activated, and creates a certificate form based on the data on the added contract. This certificate form is converted into a document file, such as a PDF file, which cannot be edited or modified on the customer side, is stored in the contract information server 16, and issues a password for printing. Next, the certificate print processing unit 126 is activated.

FIG. 14 is a flowchart of the processing performed by the certificate print processing unit 126. First, a print confirmation screen shown in FIG. 9G is displayed on the customer terminal 22.
On the screen, a print button is displayed together with a password issued in correspondence with each certificate form for printing a certificate by the certificate creation processing unit 125, and a print instruction wait state is set (step S102). When a button other than the print button is pressed, the screen transits to a screen linked to the button (steps S106 and S108). On the other hand, when the print button is pressed, a screen for prompting the input of a password is displayed, and a password input wait state is set (step S10).
4). Here also, when another button is pressed, the screen transits to the screen linked to the button (step S1).
10, S108). When the password is input, it is determined whether or not the input password matches the password of the document file of the corresponding certificate form (step S112). If not, an error message is displayed and re-input is performed. The user is prompted (step S113), and again enters the password input waiting state (step S104). On the other hand, if the passwords match in the determination of step S112, the value NA of the “dedicated paper number” field in the customer data of the customer master 202 is read (step S114). The value N of the “number of prints” field of the corresponding application data
Is read (step S116), and it is determined whether or not the number of dedicated paper sheets is equal to or larger than the designated number of print sheets, that is, whether or not NA ≧ N is satisfied (step S118). If not satisfied, an error message indicating that printing cannot be performed is displayed (step S119), and the process ends.
Therefore, no printing is performed. On the other hand, when the number of dedicated sheets is equal to or larger than the designated number of prints, printing is permitted (step S120). In this way, the certificate form is printed on the printer 24 specified by the customer terminal 22 by using the exclusive paper P by the number of copies N. When the printing is completed, the printed flag for the certificate of the corresponding application data in the contract information database 210 is set to be printed (step S122). After the number of prints set in advance has been printed and the printed flag has been printed,
Printing cannot be performed by any operation from the customer terminal 22. In this way, unnecessary printing of the certificate is prevented. Next, the value NA of the “number of dedicated papers” in the customer data in the customer master 202 is set to NA = NA−N, and is subtracted and updated by the number of prints (step S12).
4). Accordingly, the value of the “number of dedicated papers” field in the customer master 202 always matches the number of dedicated papers P at hand of the customer 20. Thus, the certificate printing process ends. Printing of DebitNote,
A similar certificate printing process is performed.

On the screen shown in FIG. 9 (g), for a customer who wishes to create a pattern to be stored in the application pattern master 206 from the current application data, "Registration"
Waiting for button input. When the "Registration" button is pressed on the customer terminal 22, the screen is hyperlinked to the screen shown in FIG. When the pattern name and the content are input, the insurance application pattern addition processing unit 132 is activated, extracts data to be a field of the insurance application pattern from the current application data, and combines the data with the input pattern name and content. , As a new record of the application pattern master 206. If customer 20 wants to change this application pattern,
Alternatively, when a new application pattern is to be added, if the button of “4. Insurance application pattern maintenance” is selected in the top menu of FIG.
Is hyperlinked to the insurance application pattern maintenance unit 134, and a new insurance application pattern can be input, and data of a registered pattern can be changed or deleted.

FIG. 9 in the above series of insurance contract processing procedures
Even if the print button is not pressed on the print screen of (g) and the process ends, the screen returns to the top menu of FIG.
By selecting "inquiry of insurance contract list", a list of insurance contracts applied by the customer is displayed, and printing can be designated from there. That is, when the button of “2. Inquiry of insurance contract list” is selected, the contract list output processing unit 130 is activated, and the upper frame of FIG. Waiting for input of the period of application date. When the period of the application date is entered and the search button is pressed, the contract information database 2
The application record of the customer within the designated application date is extracted from 10 and the predetermined data in the record is displayed in a list in the lower frame of the screen of the customer terminal 22. At this time, if the certificate-printed flag of certain application data is not printed, “Cert” is displayed in the print column.
Similarly, if the DebitNote printed flag is not already printed, a “D / N” button is displayed in the print column. Conversely, if the print completion flag indicates that printing has been completed, the above button is not displayed. In this way, it is possible to print a certificate only for unprinted insurance applications. When printing a certificate, the above-described processing by the certificate print processing unit 126 is performed. That is, after the print button is pressed and the password (FIG. 9 (g)) displayed at the time of application is input, if the number of dedicated papers in the customer data is equal to or greater than the number of prints in the application data, the customer terminal The printing of the certificate form on the printer 24 designated at 22 is permitted. At this time, by requesting the input of a password, it is regulated that a person completely unrelated to the person who made the application cannot print without permission. Here, the printing by the customer 20 using the special paper P distributed in advance is the same as the printing at the time of application.

If printing is performed on a sheet other than the special paper P due to an operation error of the customer 20, the printed flag for the certificate and / or the DebitNote printed flag of the application data are already printed. Reprinting cannot be performed by operating the terminal 22. In that case, the customer 20 is contacted to the insurance company 1 by some means. The insurance company 1 activates the contract information maintenance unit 150 using the client terminal 18. FIG. 12 is a contract information maintenance display screen displayed on the client terminal 18 by the contract information maintenance unit 150. On this display screen, the application data in the contract information database 210 can be displayed, and the content of the data can be changed. Therefore, by rewriting the certificate-printed flag and the DebitNote-printed flag of the corresponding application data, reprinting can be performed on the customer side.

As described above, by applying for insurance at the customer terminal 22 using the public communication network NET,
An application can be made at any time for 24 hours, and by printing the insurance policy on the customer side, the customer can obtain the certificate at the same time as the application. Therefore, even when there is no time until the completion of insurance application, it is possible to respond quickly. Printing of insurance policy into contract information database 21
The number of copies is limited to the number of application data that has been input in advance to the application data of 0, and once printing is performed, printing cannot be performed in principle, so that useless printing of a certificate can be prevented. Also,
The number of required certificates is usually fixed to some extent. Therefore, in order to prevent useless printing of a certificate on the customer side, it is preferable to limit the specification of the value of N of "number of prints" in the application data of the contract information database. Also, temporarily,
Even if the customer misuses the special form and prints a fake certificate for items that the customer has not applied for, the application data is not stored in the insurance company's contract information database 210, so the insurance money Insurers do not accidentally pay insurance for a claim.

The number of dedicated paper sheets for each customer stored in the customer master 202 is constantly monitored by the certificate dedicated paper monitoring unit 128. The certificate dedicated paper monitoring unit 128 is automatically activated at predetermined intervals, or at the time when the printing process is completed by the certificate print processing unit 126, or activated by any other command, and stored in the customer master 202. The customer data in which the number of dedicated paper sheets is smaller than the predetermined number of sheets is extracted from all the customer data thus obtained, displayed as a list, and a command is issued to perform distribution processing of the dedicated paper sheets. After the distribution work is completed, the value of the “dedicated paper number” field of the corresponding customer data is updated by the number of distribution sheets automatically or by the operator. Also, even if the customer fails to print, as described above, only the number of prints set in the application data can be printed, and if the customer does not contact, it cannot be reprinted. The number of dedicated paper sheets in the customer data is managed so as to always match the actual number of dedicated paper sheets at hand of the customer.

Further, by utilizing the present system 10, the customer can not only obtain a certificate at the same time as applying, but also use the present system 10 to check the list of insurances applied by the customer and the insurance results by the customer terminal 22. You can use it at any time. This will be described in more detail.

As described above, when the menu button of “2. Inquiry of insurance contract list” is selected in the top menu of FIG. 6C, as shown in FIG. The list can be viewed by the customer. Further, each application is provided with a display button, and when each display button is selected, the application data is transmitted to the customer terminal 22.
The details of the application are displayed on the display unit of the customer terminal 22. FIG. 13K shows a screen example of the detailed contents. It is very convenient for customers who make a large number of contracts to be able to check the contract list at any time. Thus, the utility value of the system 10 can be increased. In addition, there is no need for the insurance company to investigate and respond to inquiries regarding applications from customers as in the past, and it is also necessary to take the trouble of processing data for presenting data especially to customers. Since there is no,
Work costs can be reduced.

When the menu button of “3. Insurance performance inquiry” is selected on the top menu of FIG. 6C, the customer can view the insurance performance. That is, when this menu button is pressed, the insurance result list output processing unit 136 starts.

FIG. 15 shows the insurance result list output processing section 1
36 shows a flowchart of the process performed in 36. FIG. First,
A condition designation screen is displayed on the display unit of the customer terminal 22 as shown in the upper frame of FIG. 11 (l), and a designation input wait state is set (step S202). On the screen, an input box and a search button for inputting conditions of the insured from the customer and the period of the departure date are displayed. Here, the insured is the insured of the insurance contract applied by the customer, which may be the same as the customer, but if the customer is an agent, the insured and the customer Does not always match. When a button other than the search button is pressed,
The screen transitions to the screen linked to the button (steps S204, S206). On the other hand, when the condition is input and the search button is pressed, the insurance performance database 214 and the contract information database 21 whose data are associated with each other.
All records of insurance claim data and application data satisfying the designated condition from 0 are extracted (step S20).
8). Next, the total insurance premium of the application data extracted from the contract information database 210 is calculated (step S).
210), (total of paid insurance claims) + (total of expenses) − (total of collected money) = loss of insurance claim data extracted from insurance performance database 214 (step S)
212), the amount of loss / (total of insurance premiums) is calculated as a loss ratio (step S214). Next, a list of insurance claim data extracted from the insurance performance database 214 is displayed, and the total premium (Premium) is displayed.
And the loss ratio (L / R) are displayed together (FIG. 11).
(L) Lower frame) (step S216), and the process ends. What is the loss ratio for the customer,
This is a very important problem, but the loss ratio can be quickly grasped by operating the customer terminal 22 at any time. Thus, the present system 10
Can increase the value of use. In addition, insurance companies do not need to investigate and respond to inquiries about loss ratios from customers as in the past,
In particular, since it is not necessary to take time and effort for data processing for presenting data for the customer, the operation cost can be reduced.

(Second Embodiment) FIG. 16 is a block diagram showing the overall configuration of a system according to a second embodiment for implementing the system of the present invention and the method of the present invention. In the figure, the same parts as those in the first embodiment are denoted by the same reference numerals, and detailed description thereof will be omitted. In this embodiment, in the transaction on the communication network between the seller 20 and the buyer 30, the insurance contract business described in the first embodiment is linked. That is, the seller 20 and the buyer 30
When a trade transaction is performed on the communication network through the trade transaction site 40, a part of the information exchanged therebetween, for example, information on an invoice (invoice) is the insurance application data required for the insurance contract business. In some cases. In such a case, the seller terminal (customer terminal) 22 and the buyer terminal (customer terminal) 32
By transferring data stored in the trade transaction server 42 (electronic transaction server) of the trade transaction site 40 to the insurance contract system 10 via a communication network, the insurance is executed at the same time as the establishment of the trade transaction. It is intended to make a contract. In this case, the seller is the customer 20 in the first embodiment. Therefore, the special paper P is distributed to the seller in a predetermined number of sheets by the insurance company 1, and the number of sheets is stored in the customer master 202. It is managed in the field of the number of dedicated sheets.

FIG. 17 is a block diagram of the insurance contract system 10 of the present embodiment. The WWW server 12 ′ of the insurance contract system 10 includes a trade transaction reception unit 140 and an insurance application processing unit 142 in addition to the block elements in FIG. 3 (some of the block elements common to FIG. 3 are not shown). And

FIG. 18 shows an insurance contract processing procedure when an insurance contract is concluded through the trade transaction server 42. As a premise, first, when a trade transaction is established between the seller terminal 22 and the buyer terminal 32 via the trade transaction site 40, trade transaction establishment screen data is transmitted from the trade transaction site 40 to the seller terminal 22. . On the trade transaction establishment screen displayed on the seller terminal 22, an insurance link button indicating a link to insurance application is displayed, and this insurance link button is displayed on the seller terminal (customer terminal) 22.
Is pressed, the seller terminal 22 enters the insurance contract system 1
At the same time as being connected to the WWW server 12 ', the trade transaction receiving unit 140 is activated. Trade transaction reception unit 140
Requests the trade transaction server 42 to transmit the seller's attribute information. Then, upon receiving the attribute information of the seller sent from the trade transaction server 42 via the public communication network NET, a process of confirming whether the seller is a genuine customer 20 who can use the present system 10 is performed. The comparison is performed with the customer master 202.

If it is determined that the customer 20 is a genuine customer, the insurance application processing unit 142 is activated and requests the trade transaction server 42 to transmit invoice information (transaction information). Then, from the trade transaction server 42, the public communication network NE
Upon receiving the invoice information sent via T,
Data necessary for insurance application is extracted from the invoice information. If necessary information is not available in the information transmitted from the trade transaction server 42, if necessary, the data is stored in the comprehensive contract information database 212 and supplemented from data previously determined with the customer who is the seller. You may decide to do so. Then, the application data created from the extracted contents and the calculated insurance premium is displayed on the seller terminal 22 (FIG. 8 (f)), and the seller is prompted for confirmation. Then, when the “Apply” button is pressed from the seller terminal 22, the created application data is added to the contract information database 210. If there is a fix here,
Displaying FIG. 7E and waiting for the change of the input item to be changed is the same as in the first embodiment.

Next, since the certificate creation processing and the certificate print processing performed by the certificate creation processing unit 125 and the certificate print processing unit 126 are the same as in the first embodiment, the description will be omitted.

As described above, according to this embodiment, by taking over the data from the trade transaction server 42 of the trade transaction site 40, the seller (customer) 20 can complete the trade transaction without double input. At the same time, an insurance contract can be concluded.

[0070]

As described above, according to the present invention,
Customers can apply for insurance at any time,
An insurance policy or the like can be obtained immediately, and it is possible to assist in performing insurance contract business smoothly and rationally.

[Brief description of the drawings]

FIG. 1 is an overall conceptual diagram illustrating a first embodiment of an insurance contract system and an insurance contract method according to the present invention.

FIG. 2 is a configuration block diagram of a WWW server of FIG. 1;

FIG. 3 is a block diagram of the insurance contract system of FIG. 1;

4A is a configuration example of a customer master, and FIG. 4B is a configuration example of a customer-specific rate master.

FIG. 5 is a diagram illustrating an insurance contract processing procedure performed between the insurance contract system and a customer.

FIG. 6 is a display example displayed on a customer terminal.

FIG. 7 is a display example displayed on the customer terminal.

FIG. 8 is a display example displayed on a customer terminal.

FIG. 9 is a display example displayed on the customer terminal.

FIG. 10 is a display example displayed on the customer terminal.

FIG. 11 is a display example displayed on a customer terminal.

FIG. 12 is a display example displayed on a client terminal of the customer insurance contract system.

FIG. 13 is a display example displayed on the customer terminal.

FIG. 14 is a flowchart illustrating processing performed in a certificate print processing unit.

FIG. 15 is a flowchart illustrating a process performed by an insurance result list output processing unit.

FIG. 16 is an overall conceptual diagram illustrating a second embodiment of the insurance contract system and the insurance contract method according to the present invention.

FIG. 17 is a block diagram of the insurance contract system of FIG. 16;

FIG. 18 is a diagram illustrating an insurance contract processing procedure performed between an insurance contract system, a trade transaction server, and a customer terminal.

[Explanation of symbols]

10 Insurance Contract System 22 Customer Terminal 32 Buyer Terminal (Customer Terminal) 42 Trade Transaction Server (Electronic Transaction Server) 124 Insurance Application Processing Unit (Insurance Application Processing Means) 125 Certificate Creation Processing Unit (Certificate Creation Processing Means) 126 Certificate Print processing unit (certificate print processing unit) 130 Contract list output processing unit (contract list output processing unit) 136 Insurance result list output processing unit (insurance result list output processing unit) 142 Insurance application processing unit (insurance application processing unit) 202 Customer Master 210 Contract information database 214 Contract performance database

Continued on the front page (72) Inventor Akira Tashiro 1-3-1 Marunouchi, Chiyoda-ku, Tokyo Within IAI Insurance Company (AIU Insurance Company) (72) Inventor Minoru Yamada 1-3-1, Marunouchi, Chiyoda-ku, Tokyo No. IUI Insurance Company (AI Insurance Company) (72) Inventor Noriyuki Imaru 1-3-1 Marunouchi, Chiyoda-ku, Tokyo AI Insurance Company (AI Insurance Company) (72) Inventor Yoko Fuchu Tokyo I-I Insurance Co., Ltd. (I-I Insurance Company), 1-3-1 Marunouchi, Chiyoda-ku (72) Inventor Keiichi Uzawa I-I Insurance Co., Ltd. (I-I Insurance Company) 1-3-1, Marunouchi, Chiyoda-ku, Tokyo Terms (reference) 5B055 CB05 CC00 EE27 FA00 FB00

Claims (20)

[Claims] 1. An insurance contract system for performing insurance contract processing by communicating via a communication network with a customer terminal under the control of a customer to whom a special paper has been distributed in advance, wherein the special paper possessed by the customer is provided. Storage means for storing the number-of-sheets data, insurance application processing means for receiving insurance application data transmitted from the customer-side terminal, and inputting insurance application data, and said insurance application data input by said insurance application processing means. Based on a policy creation processing means for creating an insurance policy form and converting it into a document file, receiving a print instruction signal for the insurance application data from the customer terminal, transmitting the corresponding document file data to the customer terminal, A predetermined number of copies are permitted to be printed by the printing means specified by the customer terminal, and the number of pieces of data stored in the storage means is set to a predetermined number. Includes a certificate printing means for updating the count data by subtracting the number, the, the insurance policy to those printed on the special paper with a printing means designated by the customer terminal, insurance system. 2. An insurance contract system for performing an insurance contract process by communicating via a communication network with a customer terminal under the control of a customer to whom a special paper has been distributed in advance, wherein the special paper possessed by the customer is provided. Receiving the transaction data transmitted from the electronic transaction server storing the transaction data of the electronic transaction performed via the communication network between the customer terminal and the customer terminal; Insurance application processing means for creating insurance application data, certificate creation processing means for creating an insurance policy form based on the insurance application data created by the insurance application processing means and converting it into a document file, Receiving a print instruction signal for the insurance application data, transmitting data of the corresponding document file to the customer terminal, and Certificate printing processing means for permitting printing by the printing means for a predetermined number of copies, and updating the number data by subtracting the number of pieces of number data stored in the storage means by a predetermined number of copies, comprising: An insurance contract system in which what is printed on a special form using designated printing means is used as an insurance policy. 3. The certificate print processing means further comprising: a contract information database that stores the insurance application data in association with printed flag data indicating whether or not a document file corresponding to the insurance application data has been printed. 3. The insurance contract system according to claim 1 or 2, wherein the print request flag is changed to "printed" in response to a print instruction signal from the customer terminal. 4. The certificate creation processing means according to claim 1, further comprising: issuing a password permitting printing of the document file together with the creation of the document file; and transmitting the password to the customer terminal. The insurance contract system according to claim 1. 5. The method according to claim 1, wherein the certificate print processing unit does not permit printing when the number of sheets of dedicated paper stored in the storage unit is smaller than a predetermined number.
The insurance contract system according to any one of the above. 6. The certificate-specific paper monitoring means for outputting data relating to the customer when the number of pieces of data stored in the storage means is smaller than a predetermined number. Or the insurance contract system according to item 1. 7. An insurance application pattern for storing data extracted from the insurance application data as an insurance application pattern, and transmitting the insurance application pattern to the customer terminal in response to a request from the customer terminal. The insurance contract system according to any one of claims 1 to 6, further comprising selection processing means. 8. The insurance application processing means according to claim 1, wherein the insurance application processing means determines whether to accept insurance application data transmitted from the customer terminal, based on a predetermined criterion. Insurance contract system. 9. A contract list for providing a contract information database for storing the insurance application data, and transmitting at least a part of the insurance application data of the customer to the customer terminal in response to a request from the customer terminal. 9. The insurance contract system according to claim 1, further comprising an output processing unit. 10. An insurance performance database for storing insurance claim data relating to insurance claims in association with insurance application data, and in response to a request from the customer terminal, at least one of the customer's insurance claim data. The insurance contract system according to any one of claims 1 to 9, further comprising insurance result list output processing means for transmitting loss ratio data based on the data of the unit and the insurance claim data to the customer terminal. 11. An insurance system for performing insurance contract processing by communicating via a communication network between a customer terminal under the control of a customer to whom exclusive paper has been distributed in advance and a computer system under the control of an insurance company. A contract method, wherein the computer system stores data on the number of sheets of exclusive paper possessed by the customer; and the computer system receives insurance application data transmitted from the customer terminal and provides insurance application data. And the computer system creates an insurance policy form based on the inputted insurance application data and converts it into a document file. The computer system executes the insurance application data from a customer terminal. Receives the print instruction signal for To permit printing by the printing means designated by the customer side terminal for a predetermined number of copies; and the computer system updates the number of copies data by subtracting the number of the stored number of copy data by a predetermined number of copies. An insurance contract method comprising the steps of: printing on a dedicated sheet using a printing means designated by the customer terminal a policy. 12. An insurance system for performing insurance contract processing by communicating via a communication network between a customer terminal under the control of a customer to whom a dedicated form has been distributed in advance and a computer system under the control of an insurance company. A contract method, wherein the computer system stores data on the number of sheets of exclusive paper possessed by the customer; and the computer system receives insurance application data transmitted from the customer terminal and provides insurance application data. Receiving the transaction data transmitted from the electronic transaction server storing the transaction data of the electronic transaction performed via the communication network between the customer terminal and the customer terminal. Creating insurance application data, and the computer system Creating an insurance policy form and converting it into a document file based on the embedded data, the computer system receives a print instruction signal for the insurance application data from the customer terminal, and converts the corresponding document file data to the customer side. Transmitting to the terminal and permitting a predetermined number of copies to be printed by the printing means designated by the customer side terminal; andthe computer system updates the number data by subtracting the number of the stored number data by the predetermined number. Performing an insurance policy by printing on a dedicated paper using a printing unit designated by the customer terminal. 13. The computer system further comprising the step of storing the insurance application data and print flag data indicating whether or not a document file corresponding to the insurance application data has been printed in association with each other. 13. The insurance contract method according to claim 11, wherein, in the permitting step, the print flag data is changed to "printed" in response to a print instruction signal from the customer terminal. 14. A step of creating the insurance policy form and converting it into a document file, issuing a password permitting printing of the document file together with creation of the document file, and transmitting the password to the customer terminal. The insurance contract method according to any one of claims 11 to 13, further comprising: 15. The printing method according to claim 11, wherein, in the step of permitting a predetermined number of copies, the printing is not permitted if the number of the stored special-purpose sheet number data is smaller than a predetermined number of copies. Insurance contract method. 16. The computer system according to claim 11, further comprising a step of outputting data relating to the customer when the number of the stored special paper number data becomes smaller than a predetermined number. The insurance contract method according to paragraph 1. 17. The computer system, wherein predetermined data is extracted from the insurance application data and the data is stored as an insurance application pattern, and wherein the computer system performs the insurance application in response to a request from a customer terminal. 17. The insurance contract method according to claim 11, further comprising transmitting a pattern. 18. The method according to claim 11, wherein, in the step of inputting the insurance application data, it is determined whether or not the insurance application data transmitted from the customer terminal is accepted based on a predetermined criterion. Insurance contract method described in section. 19. The computer system for accumulating the insurance application data, wherein the computer system stores at least a part of the insurance application data of the customer in response to a request from the customer terminal. The insurance contract method according to any one of claims 11 to 18, further comprising transmitting to the side terminal. 20. A step in which the computer system accumulates insurance claim data relating to an insurance claim in association with insurance application data, and wherein the computer system responds to a request from the customer side terminal in accordance with a request from the customer side terminal. 20. The insurance contract method according to claim 11, further comprising: transmitting loss ratio data based on at least a part of the claim data and the claim data to the customer terminal.