JP2002149991A - Integral management system for insurance contract and banking account of same customer - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a convenient function for allowing customers to utilize insurance contracts and banking accounts. SOLUTION: An insurance contract management part 22 manages the insurance contracts of customers. The insurance contract is composed of a premium reservation portion and a security portion for receiving a premium from the premium reservation portion. A banking account management part 32 manages the banking accounts of the customers. A sweeping condition storage part 40 stores sweeping conditions which are the conditions of sweeping the money of the customers between the premium reservation portion of the insurance contact and the banking account. A sweeping processing part 50 sweeps the money of the customers between a reserve in the premium reservation portion of the insurance contract and a deposit in the banking account. Preferably, bidirectional sweeping is carried out. Proper amounts can be arranged in the banking account and in the premium reservation portion of the insurance contract.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001] 1. Field of the Invention [0002] The present invention relates to a system for integrally managing an insurance contract and a bank account of the same customer, and more particularly to a system having a sweep function convenient for the customer.

2. Description of the Related Art FIG. 1 shows one form of life insurance.
This insurance contract 1 consists of a premium portion 2 and a security portion 3
It consists of. The premium portion 2 and the security portion 3 can be positioned as a main contract and a special contract, respectively. The premium reserve portion 2 is a part of the insurance contract, and the payment requirement is insurance accident occurrence, for example, death. Security part 3
Are, for example, a term insurance special contract, a hospital special contract, and a three major disease special contract. Premiums are paid from the premium portion 2 to the security portion 3 periodically (eg, monthly). The above types of insurance are (1) the security part and the funding part are clear, it is possible to review only the security part, (2) you can use the funding part to determine the amount of insurance premium paid, It has features such as the ability to withdraw and withdraw money stored in the reserves.

SUMMARY OF THE INVENTION The present inventor has studied the addition of a more convenient function to an insurance product for a customer with respect to the insurance constituted by the insurance premium reserve portion and the security portion described above. I arrived. The present inventor has noted that customers of insurance contracts often have bank accounts in addition to insurance contracts. Typically, customers manage insurance contracts and bank accounts quite separately. The reason for this separate management is, for example, the different nature of insurance contracts and bank accounts. Bank accounts have a relatively high frequency of deposits and withdrawals, while the insurance side has relatively few deposits and withdrawals. As described above, as a result of managing the bank account and insurance separately, for example, the customer's money may tend to concentrate on the bank account. On the other hand, if an appropriate amount is transferred to an insurance contract, it is considered that more insurance profits can be provided to customers. Also, by turning the appropriate money into your bank account,
You can avoid situations such as insufficient payment in your bank account,
We can expect that. The present invention has been made in view of the above background, and an object of the present invention is to provide a technology capable of using a computer system to more conveniently use an insurance contract and a bank account.

Means for Solving the Problems (1) One aspect of the present invention is an integrated management system for insurance contracts and bank accounts. An insurance contract information storage unit for storing information on the insurance contract of the customer, the insurance contract information comprising an insurance premium portion and a security portion receiving the premium from the insurance premium portion; A bank account information storage unit for storing account information. The system further includes a sweep condition determination unit that determines that a sweep condition that is a condition for transferring customer's money between the premium reserve portion of the insurance contract and the bank account is satisfied, and the sweep condition is A sweep processing means for transferring a customer's money between the premium reserve portion and the bank account by converting the reserve fund of the premium reserve portion of the insurance contract and the deposit in the bank account when the contract is established. ,including. According to the present invention, in response to the establishment of the sweep condition, the customer's money is moved (swept) between the premium reserve portion of the insurance contract and the bank account. It makes good use of the characteristics of the insurance contract that separates the insurance portion and the premium portion and makes it possible for the premium portion and the bank account amount to be appropriate, which is convenient for customers. For example, the transfer of a deposit from a bank account to an insurance contract can result in more benefits from the insurance contract. Also, for example, by transferring the reserve from the insurance contract to the bank account, the reserve for the insurance is allocated to the payment. It should be noted that the system of the present invention may correspond to a one-way sweep from a bank to an insurance, a one-way sweep from an insurance to a bank, or a two-way sweep between a bank and insurance. May be supported. Preferably, the system of the present invention is configured to allow a bidirectional sweep. A two-way sweep allows you to properly adjust the distribution of insurance contracts and bank accounts. In a preferred aspect, the sweep condition determination means determines whether a bank-insurance sweep condition for transferring a deposit from a bank account to an insurance contract and an insurance-bank sweep condition for transferring a reserve from an insurance contract to a bank account are satisfied. The sweep processing means transfers a deposit from a bank account to a premium reserve portion of an insurance contract when the bank-insurance sweep condition is satisfied, and transfers the insurance premium of the insurance contract when the insurance-bank sweep condition is satisfied. Transfer the fund from the funding portion to the bank account. The bank-insurance sweep condition is a condition indicating a situation where the deposit amount of the bank account has a margin, and the insurance-bank sweep condition is a condition indicating a situation where the deposit amount of the bank account should be replenished. According to the present invention, attention is focused on two types of situations of bank accounts, and sweeps in opposite directions are applied to both situations. Thus, it is possible to promote the transfer of the deposit to the insurance contract while appropriately keeping the deposit amount in the bank account, and to provide the customer with more advantages of the insurance contract. (2) Preferably, the sweep condition determining means determines that the sweep condition is satisfied when the deposit amount of the bank account exceeds a predetermined upper limit deposit amount, and the sweep processing means includes:
The excess deposit exceeding the upper limit deposit amount is moved to the premium deposit portion of the insurance contract. ADVANTAGE OF THE INVENTION According to this invention, a surplus can be sent to a premium accumulation part, leaving a sufficient amount of money in a bank account, and the profit of insurance can be obtained from the turned amount. Customers can easily take advantage of these favorable distributions. Preferably, the sweep condition determining means determines that the sweep condition has been satisfied when a predetermined remaining deposit sweep timing set according to the deposit timing to the bank account has come, and the sweep processing means includes: The balance of the bank account at the balance sweep timing is moved to the premium accumulation portion of the insurance contract. The payment timing is, for example, the timing of payroll transfer. Preferably, the remaining deposit sweep timing is set before, more preferably immediately before, the deposit timing. Further, the sweep processing may be set so that a predetermined basic amount is left in the bank account at the time of the remaining deposit sweep. According to the present invention, the balance is transferred to the insurance contract at the time of deposit into the bank account, so that the deposit portion on the insurance contract side can be increased while securing the deposit amount in the bank account. Preferably, the sweep condition determining means determines that the sweep condition has been satisfied when a shortfall in payment of the bank account has occurred, and the sweep processing means determines whether the sweep condition has been paid from the premium deposit portion of the insurance contract to the bank account. The reserve is moved to replenish the shortfall. According to the present invention, when a situation occurs in which the deposit in the bank account becomes negative, the reserve of the insurance premium reserve portion is transferred to the bank account.
Shortage of bank account deposit is effectively prevented. Preferably, the sweep processing means moves a reserve fund, which is obtained by adding a predetermined surplus amount to a deficit of a bank account, from a premium reserve portion of the insurance contract to the bank account. According to the present invention, frequent sweeping can be prevented by sweeping the surplus amount to the bank account. That is, even if the payment is simply replenished by the sweep, the next sweep is required as soon as the next payment occurs. According to the present invention, the number of such sweeps can be reduced. Preferably, the sweep condition determining means determines that the sweep condition is satisfied when the deposit amount of the bank account falls below a predetermined maintenance deposit amount, and the sweep processing means maintains the maintenance deposit amount. The deposit is transferred from the premium deposit portion of the insurance contract to the bank account. According to the present invention, an appropriate amount of money can be maintained in a bank account using a sweep from insurance to a bank. It is possible to effectively prevent a situation where a necessary deposit is not in a bank account. Preferably, the sweep processing means moves a reserve fund necessary for giving a predetermined surplus amount to the bank account in addition to the maintenance deposit amount. According to the present invention, frequent sweeping can be prevented by sweeping the surplus amount to the bank account. That is, even if the maintenance deposit recovers the maintenance deposit by sweeping, when the next payment occurs,
The next sweep is needed soon. According to the present invention, the number of such sweeps can be reduced. (3) Preferably, the sweep condition judging means is such that the sweep condition judging means secures an insurance premium in which the reserve amount of the premium reserve portion of the insurance contract moves from the premium reserve portion to the security portion. When the value of the insurance contract falls below the lower limit required for expiration, it is determined that the sweep condition has been satisfied, and the sweep processing means performs the insurance contract from the bank account so that the reserve amount is equal to or more than the lower limit of the invalidation. Transfer deposit to the premium portion of Failure to pay premiums for the security portion of an insurance contract will cause the insurance to expire. If the amount of the premium portion is reduced, there is a risk of such expiration. According to the present invention, since the reserve fund equal to or more than the lower limit of expiration prevention is secured by the sweep processing, the expiration can be effectively prevented. The expiration prevention lower limit may be a predetermined fixed appropriate value. However, preferably, the lower lapse limit is set based on the premium transferred to the security portion of each customer's insurance contract.
The lower limit may be the same as the insurance premium, or may be a value obtained by adding an appropriate margin to the insurance premium. An appropriate safety factor may be applied to the premium. By using extra money,
It is also possible to reduce the frequency of the sweep. For example,
A lower limit for securing two premiums is set, and the amount for obtaining the lower limit is swept together. According to the present invention, the expiration of insurance can be appropriately prevented by setting the lower limit for each customer. (4) The system according to an aspect of the present invention relates to a sweep from the premium accumulation portion of the insurance contract to the bank account, and the insurance premiums transferred from the premium accumulation portion to the security portion on the insurance contract side. A sweepback limiter for reserve for securing reserve fund for limiting a sweep below a lower limit reserve fund required for securing. According to the present invention, a sweep between the insurance and the bank is performed after securing the reserve fund necessary for the security part on the insurance side. It is possible to achieve an appropriate allocation of insurance reserves and bank deposits without a shortage of insurance premiums, effectively preventing insurance expiration due to a shortage of insurance premiums. Preferably, the lower limit reserve fund is set according to an insurance premium that moves to the standard security portion when a standard security portion contract is assumed. According to the present invention, since a standard security portion is assumed, the processing is relatively simple, and the sweep can be appropriately limited by this simple processing.
Preferably, a multi-stage reserve is set corresponding to each of the standard security portion contracts of a multi-stage scale.
ADVANTAGE OF THE INVENTION According to this invention, appropriate sweep restriction | limiting can be performed according to the contract of a several stage scale. Preferably, the lower limit reserve is set for each customer according to the insurance premium transferred to the security portion of each customer based on the contract of the security portion of each customer. According to the present invention, an appropriate sweep restriction can be made in accordance with a security sub-contract of an individual customer. (5) In one aspect of the present invention, the present system includes a sweep return means for returning the swept gold when a predetermined sweep return condition is satisfied after the sweep processing means performs the sweep. For example, when money to be used is temporarily deposited in a bank account, the money may be immediately and automatically swept to the insurance side. Returning money from the insurer to the bank may result in deductions or fees associated with the partial cancellation of insurance. A situation like this example is avoided by the present invention. The sweep return condition is, for example, reception of a sweep return request within a predetermined period from the sweep. (6) In one aspect of the present invention, the system includes a sweep permission unit that permits a sweep by the sweep processing unit according to a customer's instruction. Preferably, the system includes permission requesting means for presenting the sweep schedule to the customer and requesting permission for the sweep. For example, a sweep from insurance to a bank may result in cancellation of the insurance, which may result in a deduction. According to the present invention, by performing the sweep permission, it is confirmed whether a deduction or the like may occur. (7) In one aspect of the present invention, the system stores information on an insurance contract of the customer, the insurance contract including an insurance premium portion and a security portion receiving insurance premiums from the insurance premium portion. An insurance contract information storage unit, a bank account information storage unit that stores information on a customer's bank account, a bank increase calculation unit that calculates an increase in the bank account, and an increase in an insurance premium reserve portion of the insurance contract. An insurance increase calculating unit for calculating the amount of the bank account and the amount of the increase in the premium reserve portion of the insurance contract, and transfer the customer's gold between the premium reserve portion and the bank account based on the increase in the premium reserve portion of the insurance contract. Sweep processing means. Preferably, the insurance increase calculation unit takes into account a tax deduction part when calculating the increase in the insurance premium reserve part. A calculation process for subtracting the deduction portion is performed. Similarly, for the increase in the bank account, a calculation process is performed in which the deduction portion such as tax is taken into account and the deduction portion is subtracted. The sweep processing means performs a sweep process so as to increase the total amount of the bank account and the insurance contract. For example, when depositing money into a bank account, the deposited money is directed to the bank account and the insurance premium portion of the insurance contract, whichever has a larger increase. Therefore, the customer can advantageously use the bank deposit and the premium reserve. Preferably, the system according to the present invention includes a calculation time setting unit that sets a calculation time of the increase, wherein the bank increase calculation unit and the insurance increase calculation unit are the same set by the calculation time setting unit. The amount of increase in the bank account up to the calculation time and the amount of increase in the premium reserve portion of the insurance contract are calculated. Preferably, the calculation time is set according to a customer request. The calculation time may be input by the customer himself. The calculation time may be set in a period such as three years, or may be specified at a time point (date) such as a month and a day. Here, in general, in the short term, the increase in the number of banks is larger than that in the insurance side. However, after a certain period, the increase on the insurance side reverses and often becomes larger than the increase on banks. When the customer uses the system of the present invention,
For example, a time when an expenditure is expected to occur is requested as a time for calculating the increase. The increase in the bank and insurance side at the requested time is calculated and directed to the customer's more money. Therefore, the system of the present invention
The increase in the calculation time required by the customer can be increased. In the present invention, the increase includes the amount when the amount decreases as in the early stage of the reserve fund, and in this case, the increase becomes minus. The term change may be used instead of the term increase. (8) The present invention is not limited to the above embodiment, that is, the integrated management system for insurance contracts and bank accounts. Another embodiment of the present invention is, for example, an insurance contract management device, a bank account management device, a method for realizing the functions of the above-described device modes, and a medium recording a program for realizing the methods. is there.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will be described below.
Will be described with reference to the drawings. FIG. 2 is a diagram showing the “protection”
"Integrated management system 10 for insurance contracts and bank accounts"
ing. The system 10 includes an insurance contract management device 20 and
Includes bank account management device 30, which are communicatively connected
Have been. The insurance contract management device 20 stores the insurance contract of the customer.
And the bank account management device 30 stores the customer's bank account
to manage. Telephone lines may be used as communication means.
And the Internet may apply, other
Any communication technology can be applied. Insurance contract management device 2
0 includes the insurance contract information database 22. Insurance contract information
The information database 22 stores information on customer insurance contracts.
ing. In the present embodiment, as shown in FIG.
The contract consists of a premium portion and a security portion. insurance
Main contract and special contract for the funded portion and the security portion, respectively
It can also be positioned. Insurance premium portion 2, insurance contract
Part of the contract, the payment requirement is
Death. Even if a fixed amount of funding is done regularly,
It does not have to be. The security part is, for example, a term insurance contract,
It is a hospitalization special contract and three major disease special contracts. From the insurance premium portion
Premiums paid regularly (for example, monthly)
It is. The insurance contract management device 20 stores the insurance contract information database.
Insurance contract information stored in the source 22, in particular,
Has a function to manage information. Meanwhile, the bank account management device 3
0 includes the bank account information database 32. Bank account information
The information database 32 stores customer bank account information.
I have. The bank account is, for example, a savings account. Bank account management
The device 30 is stored in the bank account information database 32.
Function to manage bank account information, especially deposit information
One. In this embodiment, the same customer's bank account and insurance contract are
Be subject to processing. As a feature of the present invention, the present system 1
0 is a sweep condition determination unit 40 and a sweep processing unit 50
including. The sweep condition determination unit 40 determines whether the sweep condition is satisfied.
It is determined whether or not it stands. The sweep conditions are
Transfer customer's money between premium reserve and bank account
Condition. The sweep processing unit 50 determines that the sweep condition is
When it is established, the insurance premium portion and the bank account
Move the customer's money. Money from one of your bank account and insurance contract
The amount information is subtracted, the amount information is sent to the other, and the other
Added. As a result, bank account deposits and insurance contracts
Conversion to and from the reserve is made. Sweep condition determination unit 4
0 is the sweep stored in the sweep condition storage unit 42.
Refer to the backup condition. Sweep conditions are (1) Bank account
To transfer deposits to insurance contracts-insurance sweep conditions
And (2) the transfer of the reserve from the insurance contract to the bank account.
Rugged-bank sweep conditions. This embodiment is a special
In addition, the sweep conditions correspond to the status of the bank account,
(1) Bank-insurance sweep conditions are based on bank account deposits.
Indicate that there is enough money, and (2) Insurance-Bank Suite
The backup condition indicates a situation where the deposit amount of the bank account should be replenished.
The sweep condition determination unit 40 stores the bank account information information database.
Referring to the information of the bank account in the source 22, the sweep condition
It is determined whether or not the condition is satisfied. These sweep conditions and
A specific example of the accompanying processing will be described later. Sweep processing unit 5
0 indicates the insurance-side sweep processing unit 52 and the bank-side sweep processing
It comprises a unit 54. The insurance-side sweep processing unit 52 provides insurance
The bank-side sweep processing unit 5 is arranged in the contract management device 20.
4 is arranged in the bank account management device 30. Bank-insurance
When the steep sweep condition is satisfied, the sweep processing unit 50
Functions as a bank-insurance sweep processing unit, and
The deposit to the premium portion of the insurance contract.
At this time, the deposit sending unit 56
Information indicating the determined amount is sent to the insurance contract management device 20.
Send out. The sent amount is stored in the bank account information database.
32 from the bank account. Insurance contract management device 20
On the side, the deposit receiving unit 58 receives the amount information. Receiving
The amount information obtained is stored in the insurance contract information database 24, in particular,
Added to the premium reserve portion of the insurance contract. Meanwhile, insurance
When the bank sweep condition is satisfied, the sweep processing unit 5
0 functions as an insurance-bank sweep processing unit, and
Transfer the reserve of the approximately reserved portion to the bank account. Security
Satisfaction of the bank-sweep condition is determined by the bank
The determination is made by the determination unit 40 (in the present embodiment, the bank account
Transfer the reserve from the insurance contract to the bank according to the status of the account
Because). Therefore, when the sweep condition is satisfied,
The bank-side sweep request unit 60 receives the insurance-side sweep request.
A request for sweeping the reserve fund is sent to the attachment unit 62. This Swee
The sweep request includes a predetermined sweep related to the sweep condition.
Information on the required amount of eaves is shown. Sweep request unit 60
Receives the sweep request, the reward point sending unit 64
Deposit the amount corresponding to the amount indicated in the eaves request to the bank account
It is sent to the management device 30. At this time, the amount sent
Is the insurance premium portion of the insurance contract information database 22
Drawn from. The bank account management device 30 receives the reserve money
The unit 66 receives the amount information of the reserve fund. Amount received
The information is sent to the bank account in the bank account information database 32.
Added. In the present embodiment, as described above, the sweep
The processing unit 50 is configured to execute the insurance provided in the insurance contract management device 20.
Located in the side sweep processing unit 52 and the bank account management device 30
And a bank-side sweep processing unit 54. Insurance side
The sweep processing unit 52 and the bank-side sweep processing unit 54
Communicate gold, reserve information and other necessary information. Was
However, the present invention is not limited to such a configuration,
Other configurations that can obtain the performance may be adopted. At this time,
Communication between the management devices 20 and 30 is appropriately used. Also,
In the present embodiment, the sweep condition determination unit 40 determines
Disposed in the processing device 30. However, in the sweep condition
Other configurations may be adopted according to the contents and the like. example
For example, the sweep condition determination unit 40 is set on the insurance contract management device side.
You may be beaten. In addition, the sweep condition
Embedded in the sweep condition storage unit 42 and the sweep condition
The processing unit 50 may be integrated. Sweep conditions
However, the setting may be different for each customer. By customer
This is because the insurance contract contents are different. This place
Preferably, the sweep condition of each customer is the sweep condition.
The information is stored in the storage unit 42 and referred to. For some customers,
Bank-Insurance Sweep Terms and Insurance-Bank Sweep Terms
, One of them, or both,
Neither can be selected. (1) “Bank-Insurance Sweep Processing” Hereinafter, the bank-insurance sweep processing, that is, from the bank account
A preferred example of a deposit transfer process to an insurance contract will be described. All
Processing may be applied to the system, or
The processing of the unit may be applied. Also depends on the customer
Processing may be applied. This point is the insurance-silver
The same applies to the row sweep condition. (1-1) Sweep in excess of upper limit Sweep condition determination unit 40 monitors the deposit amount in the bank account
Sweeps when the deposit amount exceeds the predetermined maximum deposit amount
It is determined that the condition is satisfied. In other words, the deposit amount is
Exceeds the over-sweep condition
You. When the sweep condition is satisfied, the sweep processing unit 50
Is to cover the excess deposit exceeding the maximum deposit amount
Move to the reserve section. In the example of FIG.
The deposit amount is 300,000 yen. The day before the salary transfer, the bank
The deposit amount of the account is 20,000 yen, and the reserve for the insurance premium reserve portion
The amount is 150,000 yen (a). Salary 400,000 yen on payday
Was transferred to the bank account, the deposit amount of the bank account was 4
It became 20,000 yen (b). In this case, the maximum deposit amount is 300,000 yen
Over 120,000 yen in excess of the amount
Will be As a result, the reserve amount of the premium reserve portion is 27
It will be 10,000 yen. According to this embodiment, the bank account has sufficient
It is possible to transfer the excess to the insurance premium reserve while leaving the amount
it can. Insurance increase is greater than bank account increase
Customers often ask for a sweeping amount
Can benefit from insurance. The customer has
Easy distribution is available. (1-2) Remaining Deposit Sweep The sweep condition determination unit 40 uses a time measuring means such as a clock.
Location set according to the timing of deposit into the bank account
Sweep when the fixed balance sweep timing comes
It is determined that the condition is satisfied. That is, the remaining deposit sweep
The timing of the remaining deposit sweep that the timing comes
You. The sweep processing unit 50 controls the remaining deposit sweep timing.
Of the remaining balance of the bank account in the insurance premium portion of the insurance contract
Move to Deposit timing is, for example,
Imming. Preferably, the remaining deposit sweep timing
Is set before the deposit timing, more preferably just before
It is. Also, at the time of sweeping the remaining deposit, the prescribed basic amount
Even if the sweep process is set to leave
Good. In the example of FIG. 4, the payment timing is the salary transfer tie
Mining. And the balance sweep timing is salary
Set on the day before the payment date (after final settlement). Payroll
The day before the incorporation, the deposit amount of the bank account (balance after final settlement)
Is 20,000 yen, and the reserve amount for the insurance premium portion is 150,000 yen
(A). The previous day's balance of 20,000 yen goes to the premium reserve portion
Is swept, and as a result,
The balance becomes 0, and the reserve for the insurance premium portion is swept.
It becomes 170,000 yen including the amount of money (b). On payroll date,
A salary of 400,000 yen is deposited, and the deposit amount in the bank account is 400,000 yen
become. According to the present embodiment, the balance remains when depositing into the bank account.
Transfer the amount to the insurance contract, so confirm the deposit amount in the bank account.
And increase the insurance contractor's reserve. (2) “Insurance-bank sweep” Next, insurance-bank sweep processing, that is, from the insurance contract
A preferred example of the process of transferring the reserve money to the bank account will be described. (2-1) Payment Replenishment Sweep The sweep condition determination unit 40 is a bank account information database.
Monitored the status of 32 bank accounts and underpaid
Sometimes, it is determined that the sweep condition is satisfied. That is,
Payment replenishment sweep clause that replenishment is required due to underpayment
Case applies. The sweep processing unit 50 protects the insurance contract.
Transfer funds from the funded portion to the bank account and pay
Make up the shortfall. In the example of FIG. 5, the customer is a debit car
Let's say that you have spent 200,000 yen in shopping. Just before shopping,
The deposit amount of the bank account is 100,000 yen,
The reserve amount is 500,000 yen (a). For 200,000 yen shopping
As a result, the account balance after the settlement becomes -100,000 yen (b).
The shortfall of 100,000 yen in the bank account was
Replenished by eaves. Sui showing 100,000 yen shortfall
Request is sent from the bank to the insurance side, and
100,000 yen is sent to the bank. As a result, your bank account balance
Is 0, and the reserve for the premium portion is 400,000 yen
(C). According to this embodiment, the deposit in the bank account is
When a situation occurs that causes
Is swept into the bank account. Deposit in bank account
Shortage is effectively prevented. (2-2) Payment replenishment sweep with extra money The function of the sweep condition determination unit 40 is the same as described above. S
The eaves processing unit 50 determines that the underpaid amount in the bank account
The reserve fund to which the `` surplus amount '' has been added
Transfer from minutes to bank account. Compared to the above (2-1)
As a result, a large amount of money is swept by a margin amount. In FIG.
(A) and (b) of the example are the same as the example of FIG. Fig. 5
As a difference, in FIG. 6C, the shortage of the bank account is 100,000.
Sweep the yen and the surplus amount of 50,000 yen, that is, 150,000 yen in total
Move by. As a result, the balance of the bank account is 50,000 yen
In other words, the reserve fund for the premium portion is 350,000 yen. Real truth
According to the embodiment, the surplus amount is swept to the bank account.
Thus, frequent occurrence of sweep can be prevented. FIG.
Even if the next payment occurs after (c), the payment is 50,000 yen
If so, the next sweep can be avoided. Therefore
The number of sweeps can be reduced. Reduce sweep processing
And the disadvantages of sweeping fees
Can be avoided. (2-3) Deposit Maintenance Sweep The sweep condition determination unit 40 is a bank account information database.
Monitors the status of 32 bank accounts and confirms that the deposit amount is
Judge that the sweep condition is satisfied when the amount falls below the amount.
You. In other words, because the deposit amount was less than the prescribed maintenance deposit amount,
Deposit maintenance sweep condition that should be replenished applies
It is. The sweep processing unit 50 maintains the maintenance deposit amount.
From the insurance premium portion of the insurance contract to the bank account
Move. In the example of FIG. 7, the maintenance deposit amount is set at 100,000 yen.
Is defined. Immediately before the customer's purchase, the deposit amount in the bank account is 1
50,000 yen, and the reserve amount for the insurance premium portion is 500,000 yen
(A). A customer pays 100,000 yen using a debit card
Suppose you shop. With this purchase, your bank account will
The maintenance deposit amount is less than 100,000 yen, which is 50,000 yen. This
A sweep request is sent from the bank to the insurance side. Sui
In the loop request, the required amount (shortage) of 50,000 yen is indicated.
The requested amount of 50,000 yen is sent from the insurance side to the bank side. The result
As a result, the balance of the bank account is 100,000 yen
The reserve for the portion of the premium is 450,000 yen (c). This implementation
According to the form, using a sweep from insurance to bank,
The appropriate amount can be maintained in the bank account. necessary
Effectively prevent deposits from being in your bank account
You. (2-4) Deposit Maintenance Sweep with Extra Money The function of the sweep condition determination unit 40 is the same as described above. S
The eaves processing unit 50 adds “predetermined margin” in addition to the maintenance deposit amount.
Move the reserve required to give the "amount" to the bank account
You. Compared to the above (2-3), a larger amount by the surplus amount
Is swept. (A) and (b) of the example of FIG.
Same as the example. The difference between FIG. 7 and FIG.
Is the surplus amount in addition to the difference between the maintenance deposit amount and the balance of 50,000 yen.
50,000 yen is swept, that is, a total of 150,000 yen is swept.
Move by As a result, the bank account balance was 150,000
It will be ¥ 400, and the reserve for the premium portion will be ¥ 400,000.
According to the present embodiment, similar to the above (2-2), a margin is provided.
By sweeping the amount to the bank account, the sweep
Frequent occurrence can be prevented. After the next payment after FIG.
Even if it occurs, if the payment is 50,000 yen or less,
You can avoid eaves. Therefore, the number of sweeps is reduced
it can. Sweep processing can be reduced, and
Disadvantages, such as the generation of commissions, can be avoided. The book
The preferred embodiment of the invention has been described. As mentioned above,
According to Ming, the customer's money is insured according to the sweep conditions
Is swept between the premium portion of the bank and the bank account.
Improve the nature of insurance contracts that separate the insurance portion from the insurance portion
We use well. Insurance premium portion and bank account amount distribution
Location is appropriate and convenient for customers.
It is profitable. In the example above, the transfer of a bank account to an insurance contract
Eap helps you get more from your insurance contract
You. Also, for example, from sweeping an insurance contract to a bank account
Thus, the funding of the insurance can be allocated to the payment.
The system according to the present embodiment uses a policy from a bank account to an insurance contract.
Enables bi-directional sweeps from insured contracts to bank accounts
Is done. Within the scope of the present invention, only one-way sweep
It may be configured to be performed. However, two-way switches
Eaves are more likely to be insurance contracts and bank accounts than one-way sweeps.
I think that it is advantageous in that the allocation of seats can be adjusted more appropriately
Can be Regarding this two-way sweep, the present embodiment
Bank to transfer deposit from bank account to insurance contract-insurance sw
Conditions and guarantees to transfer the fund from the insurance contract to the bank account.
Rugged-bank sweep conditions are used. In the present embodiment,
In addition, the bank-insurance sweep condition is
This is a condition that indicates that there is a margin
Used for sweeping minutes and remaining deposits. Also insurance
-Bank sweep conditions should replenish bank account deposits
Conditions indicating the situation, for example, the replenishment sweep described above
And used for maintenance deposit sweep. Thus, this implementation
There are two types of bank accounts, "with room" and "replenishment required"
Focus on the situation, detect both situations,
A sweep in the opposite direction is acting. This allows the bank
Transfer funds to insurance contracts while keeping the amount of money in the account appropriately
To increase the benefits of insurance contracts to customers.
Can be. "Sweep to prevent insurance expiration"
Are mainly swept according to the status of the bank account.
Was done. However, sweep conditions are set to indicate the situation on the insurance side.
Sweep processing according to specified sweep conditions
May be performed. This embodiment corresponds to the situation on the insurance side
A preferred example of the sweep processing will be disclosed. FIG.
1 shows a system of an embodiment. Different from the system in Figure 2
Sweep condition determination unit 40 and sweep condition storage unit
42 is provided in the insurance contract management device 20. this
Is a sweep clause based on the status of the insurance premium portion
It corresponds to the judgment of the case. Also, unlike the system of FIG.
And the sweep request unit 60 is arranged in the insurance contract management device 20.
Then, the sweep request receiving unit 62 sets the bank account management device 30
Are located in Sweep conditions from bank to insurance
Is satisfied, the sweep request unit 60 sends a sweep request.
Request from the insurance side to the bank side.
Request is sent. Information on the amount shown in the sweep request
Is sent from the bank to the insurance side. Swept amount
Is deducted from the bank account in the bank account information database 32
It is. Also, the insurance side receives the amount information from the bank side
And the amount of the insurance
Add to the reserve portion. Note that the management devices 20 and 30
Connection, the sweep condition determination unit 40 and the
And one or both of the sweep condition storage units 42 are bank accounts
It may be provided in the management device 30. This point is illustrated in FIG.
This is the same as the item already described in the following. Next, this implementation
A description will be given of a sweep condition and a sweep process suitable for the mode.
Here, bank-insurance sweep processing, that is, from the bank side
A sweep process is performed on the insurance side. Sweep condition judgment
The unit 40 stores the insurance premium in the insurance contract information database 22
Monitor the status of the portion and ensure that the funding amount is within the prescribed
When the value falls below the forehead, it is determined that the sweep condition has been satisfied.
You. In other words, the funded amount was less than the lower limit
The expiry sweep condition that should be replenished
Used. The sweep processing unit 50 satisfies the sweep condition.
The amount of the reserve will be equal to or greater than the minimum
Deposits are transferred from bank account to premium reserve part of insurance contract
Let it. At this time, the customer is asked for sweep permission
You may be. The minimum amount for preventing expiration is determined by the insurance department of the insurance contract.
It is set to a value suitable for preventing the expiration of the minute. Insurance policy
If insurance is not paid for the guaranteed portion of insurance, insurance will expire
Would. Therefore, move from the insurance premium portion to the security portion
Is the minimum amount required to prevent revocation in order to secure
Is set. The minimum amount for preventing revocation is set in advance.
It may be a fixed value. In this case, the sweep limit described later
The lower limit described for the function can be suitably used. Mark
A lower limit is applied assuming a contract with a standard security
You. Multiple corresponding to the standard security part of multi-level scale
An appropriate lower limit for the customer is selected from the lower limit of the stage.
May be selected. The lower limit is the standard premium for one time
Even if it is set according to the
May be set in advance. In the present embodiment, more reliable processing
Preferably, the minimum amount for preventing revocation is
Set based on the premium transferred to the security portion of the insurance contract
It is. The insurance premium of each customer is stored in the insurance contract information database 2
2 is stored. The lower limit is the same as the required insurance premium
May be set to
The value obtained may be used. Even if an appropriate safety factor is applied to insurance premiums
Good. Sweep frequency by using extra money
It is also possible to reduce (the number of times). For example, twice
The lower limit that can secure the insurance premium is set, and the lower limit is
The amount to get is swept together. The customer
Another expiration protection lower limit is preset and used for storage.
May be considered. When the sweep condition is determined,
May be obtained from the insurance contract information of the customer. Ma
The timing of the sweep condition determination and the sweep processing is
For example, it is set the day before the insurance premium transfer date. But the book
The invention is not limited to this. Reservation is the minimum amount to prevent expiration
When the value falls below the value, a sweep may be performed at any time. Ma
Also, the sweep timing may be after the insurance transfer date
No. Sweep timing set within grace period until expiration
It should be done. In the example of FIG.
It is set at 100,000 yen, the same as the monthly premium. Last time
Of 100,000 yen of insurance premiums as a result
The amount is 50,000 yen and the deposit amount in the bank account is 400,000 yen.
(A). The day before the next premium transfer date (sweep timing
(G), the sweep condition is satisfied. And
A sweep request is sent from the rugged side to the bank side. Sweep required
The request shows the required amount (shortage) of 50,000 yen. Insurance side
Sends the requested amount of 50,000 yen to the bank (b). The result
As a result, the funded amount of the insurance premium funded portion will be 100,000 yen,
The deposit amount of the account becomes 350,000 yen (c). Moved to the next day
Insurance premiums to be secured. As explained above, the book
According to the embodiment, a reserve fund equal to or greater than the lower limit
Effectively protected from revocation because it is secured by loop processing
it can. In addition, by setting a minimum expiration prevention amount for each customer,
Exposure can be properly prevented. "Sweep Limiting Function" FIG. 11 shows another implementation of the present invention.
1 shows an embodiment. In the present embodiment, the sweep restriction processing is performed.
A management unit 70 has been added. The sweep restriction processing unit 70
It is provided in the insurance contract management device 20. Other configurations
Are the same as those in FIG. 2, and the description of those components is omitted. Figure
Referring back to FIG. 1, in this embodiment, the insurance contract is
Includes insurance premium portion and security portion. Regular on security
The insurance premium is transferred from the insurance premium reserve portion. Sweep
If the reserve for insurance premiums decreases due to
The premium portion cannot provide insurance premiums to the security portion,
Insurance may expire. In the present embodiment,
Effectively prevent accidents. Sweep restriction processing unit 70
Means that the reserve from the premium reserve portion of the insurance contract to the bank account
When sweeping, the sweep will lower the reserve
It is determined whether it is below the reserve fund. Minimum reserve fund is insurance
To secure insurance premiums that move from the funded portion to the security portion
Is set in advance to a necessary amount. Current funding amount and
Sweep when the difference in the amount of eaves is less than the lower reserve
The limit processing unit 70 determines that the reserve
It is determined that it falls below. In this case, the sweep restriction processing unit 70
Restricts the sweep from the insurance side to the bank side. example
For example, the transmission of the reserve by the reserve transmission unit 64 is prohibited.
You. As described above, according to the present embodiment, the security unit on the insurance side
After securing the required reserve for the
Is performed. Prevent shortage of insurance premiums and save insurance
Ensure proper distribution of deposits and bank deposits
Can be. In this embodiment, the lower limit reserve is as follows.
Is set to Here, the standard guarantee contract is
About is assumed. And move to the standard security part
A lower limit reserve is set according to the insurance premium. For example, standard
The amount of payment for a certain number of months to a security guarantee contract is calculated. This
Is equal to the amount paid, or
The lower limit reserve is set to the added value. Settings like this
According to the appropriate value based on the standard guarantee part
Process is relatively simple, and this simple process
You can limit the sweep. FIG. 12 shows yet another implementation.
The form is shown. In the present embodiment, the system shown in FIG.
In addition, in relation to the sweep limit processing unit 70,
A customer-specific lower limit reserve money storage unit 72 is provided. Other
Are the same as those in FIG. 2, and the description of those configurations is omitted.
You. Since the contract content of the security part differs depending on the customer,
The contract size of the obstacle part differs for each customer, and accordingly,
The insurance premium also varies from customer to customer. So, the real
In the embodiment, the contract for the security
Thus, a plurality of lower limit reserve funds are set. Here,
Assume a standard guarantee part of several scales. Of each size
Appropriate minimum reserves are required for contracts. example
As mentioned above, as mentioned above,
A deposit is applied. Respond to the size of the customer's guarantee
The lower limit reserve is selected from the above multiple levels of lower limit reserve.
It is. This selection is made by the system according to the insurance contract information data.
Automatically by referring to insurance contract information in database 22
It may be. This choice may also be made by the customer
Good. The selected minimum reserve amount is associated with the customer and classified by customer
It is stored in the lower limit reserve fund storage unit 72. Sweep restriction processing
The unit 70 uses the lower limit reserve of the corresponding customer to
It is determined whether or not the group should be restricted. From the above, this embodiment
According to the state, the appropriate
You can limit eaves. In this embodiment, for each customer
The lower limit reserve of the customer is obtained in advance, and the lower limit reserve of each customer is stored.
72. However, when sweeping
Then, referring to the insurance contract information database 22,
A deposit may be required. However, the minimum reserve fund by customer
The use of the storage unit 72 makes it possible to perform sweep processing more quickly.
It is considered to be advantageous. In the present embodiment,
Minimum reserve is set based on standard contract assumptions
I have. In contrast, each customer's actual security contract
A lower reserve may be determined. In this case, the insurance contract information
Based on the insurance contract information of each customer in the information database 22
Therefore, an insurance premium to move to the security part is required. For example,
Multiple months of mobile insurance premiums are required. This mobile insurance premium
Assured, equal to or greater than premium
Is set to the lower limit reserve fund. The lower limit product thus set
A sweep restriction process is performed using the deposit. like this
In addition, according to this modified example, it is possible to
In response, an appropriate sweep restriction can be made. In addition, each customer
The lower reserve is preferably set at the customer's
It is stored in another lower limit reserve money storage unit 72. Lower reserve fund
May be calculated at the time of the sweep processing. FIG. 13 shows another embodiment of the present invention.
1 shows an embodiment. In the present embodiment, the sweep return process
Processing section 80 is added, and the sweep return processing section 80
Is the bank-side sweep return processing unit 82 and the insurance-side sweep
It includes a pull-back processing unit 84. These are each a bank account
Provided in the management device 30 and the insurance contract management device 20
I have. Other configurations are the same as those in FIG.
Description is omitted. In this embodiment, the sweep processing is inappropriate.
The process to recover the state before the sweep
U. For example, a customer may temporarily transfer money to be used to a bank account
May be credited. At this time, the payment
Conditions are met and deposits are automatically insured immediately
It can be swept to the side. And on the insurance side
If you try to return money to the bank, some insurance cancellations (insurance
Deduction) or a fee
obtain. This embodiment avoids such a situation. Bank
The side sweep return processing unit 82 performs a sweep to the insurance.
It is determined whether the specified sweep return condition is satisfied after the
Set. The sweep return condition is, for example,
To accept a sweep return request within a predetermined period of time.
You. The sweep return processing unit 82 includes an input unit (not shown).
(The input means may be a communication means.)
Accept the eaves return request. Sweep return processing unit 82
Is the bank account information in the bank account information database 32,
The sweep execution time is also determined with reference to the withdrawal history. Soshi
Receiving the sweep return request
Within the return period, the sweep return processing unit 82
It is determined that the return condition is satisfied. Sweep back strip
If the condition is satisfied, the bank-side sweep return processing unit 82
A sweep return finger is
Send an indication. Sweep return instructions include
Past sweep processing is shown. Insurance sweep back
The processing unit 84 performs the sweep processing indicated by the sweep return instruction.
Undo the logic. The insurance-side sweep return processing unit 84
From the insurance premium portion of the contract information database 22,
Subtract the premium added by the transaction. Further
The insurance-side sweep return processing unit 84 removes the insurance premium.
Sends information indicating execution to the bank-side sweep return processing unit 82
You. The bank-side sweep return processing unit 82
Database 32 bank account by sweeping
Add and recover lost money. This recovery process
Is preferably transmitted from the insurance-side sweep return processing unit 82.
It is performed after the response, but may be performed before that. Ma
Also, in the sweep process, accompanying charges such as fees
May be. Preferably, in the sweep return process,
Such ancillary fee information is requested from the database,
And the incidental charges are also in the original state, that is, the incidental charges occur
It is restored to the state that did not. As described above, this embodiment
According to the state, by providing a sweep back processing function
To properly handle inappropriate sweeps
Would be more convenient. In this embodiment, the bank
The insurance sweep has been reversed in the opposite direction. to this
On the other hand, a sweep from insurance to a bank would
It may be used and returned in the opposite direction. This feature is preferred
Alternatively, the sweep return processing unit 84 described above, that is, the insurance
Side sweep return processing section 84 and bank side sweep return processing
This is realized by the management unit 82. Processing in the opposite direction is performed
It should be. The advantages of this case will be described. Insurance from bank
Sweeps to indicate a partial withdrawal of insurance and
May reduce the amount of funds used. When this happens
If the specified condition is satisfied when the product is
Thought it would be more convenient for customers
Can be "Sweep Permit Function" FIG. 14 illustrates another implementation of the present invention.
1 shows an embodiment. In the present embodiment, the sweep permission unit
90 and a sweep permission request unit 92 are added.
These are provided in the insurance contract management device 20. That
Other configurations are the same as those in FIG. 2, and description of those configurations is omitted.
I do. According to the present invention, the insurance fund
The reserve is transferred to your account. This is the premium portion
Withdrawal, equivalent to partial cancellation. This reversal is a cancellation
May be subject to exclusion. For example, from insurance purchase
Withdrawals within the period are subject to cancellation deduction,
It is conceivable that it decreases. Therefore,
Customers may not want to sweep from bank to bank account
possible. Therefore, the present embodiment is designed to meet such customer's wishes.
Provide a system that can respond appropriately to Figure 14
The sweep permission requesting unit 92 informs the customer of the sweep
And ask for sweep permission. This process includes
Communication means with the customer not shown is preferably used. Mobile end
An information providing service using the terminal may be used. S
The eave permission request unit 92 is provided with a switch for the insurance contract management device 20.
When a sweep request is received from the sweep request unit 60,
The customer may be notified of the sweep schedule. Also sweep
The permission request unit 92 manages the bank in advance to schedule the sweep.
It may be received from the device 20 and presented to the customer. Ma
Deductions, etc. for sweeping
Provide an appropriate explanation for Also preferably,
When you ask for permission to sweep, when you run a sweep,
Differences in terms of not doing, eg bank and insurance
Side increases, reserves and deposit changes are presented
You. This can help customers make better decisions
You. In response to the request to the sweep permission request section 92, the customer
It is assumed that an eave execution instruction is input. Again the communication mentioned above
Means, for example, a mobile terminal are used. In response,
The sweep permission unit 90 sweeps by the sweep processing unit 50
Allow processing. With this permission, for the first time
The processing unit 50 performs a sweep from the insurance side to the bank side.
U. Preferably, the customer inputs a sweep execution instruction.
At the same time, you can enter payment instructions from your bank account
It is configured so that: More preferably, the two instructions are one
It is configured to be able to input by the operation of. This allows customers
Operate the terminal, not only sweep, but also after sweep
Payment can be completed, saving labor. deposit
Can be easily turned to payment for shopping and the like. this
The configuration is, in particular, similar to the replenishment sweep
This is useful for sweeping when payment from an account is required.
You. FIG. 15 shows an example of the sweep permission process. Buying
The reserve for the portion of the insurance premium just before the thing is 500,000 yen,
The premium for the bank account is 100,000 yen. 200,000 from bank account
It is assumed that payment of a yen is necessary (a). In this case,
200,000 yen sweep according to the maintenance deposit sweep process
It is scheduled. The sweep appointment is presented to the customer,
A sweep instruction is required. Customer directs sweep
Sweep is allowed, and 200,000 yen of reserve fund goes to bank account
Move (b). And 200,000 yen is paid from the bank account
Paid (c). As described above, according to the present embodiment,
By allowing sweeping, even if deductions etc. occur
Whether it is good or not can be confirmed, and inappropriate processing can be avoided.
In the present embodiment, the sweep permission function is an insurance contract management device.
20. However, the sweep permission function is silver
It may be provided in the line account management device 30. Preferably
Indicates that the sweep permission section and the sweep permission request section
The seat management device 30 is provided. In this case,
As with the rewind process, avoiding inappropriate sweeps
I can do it. In particular, according to the present embodiment,
Can be prevented beforehand. “Sweep based on increment” FIG. 16 shows another example of the present invention.
1 illustrates a system 100 of one embodiment. This system
The system is similar to the system of FIG.
And a bank account management device 104, which
Connected as possible. And the insurance contract management device 10
2 manages the insurance contract information database 106 and manages bank accounts.
Device 104 has a bank account information database 108
You. In addition, the insurance contract management device 102 includes an insurance increase calculating unit.
110 and a bank account increase calculation unit 112. insurance
The increase calculation unit 110 refers to the premium reserve portion of the insurance contract.
Calculate the increase when the customer's money is invested. Bank increase
The calculation unit 112 calculates the value of the customer's money
Calculate the increase in interest. The increase is based on customer deposits and
Changes such as payments are not basically included. Insurance increase calculator 1
10 preferably calculates the increase in the premium portion
When taking into account tax and other deductions. Deduction part
The subtracted increase is calculated. Bank account growth
In the same way, the tax deduction part is also taken into account,
An increase obtained by subtracting the minute is calculated. Note that the present invention
The amount of the increase is reduced as in the early stage of the reserve fund.
Includes changes when decreasing, in which case the increase is minor
Become Use the term change instead of the term increment
Words may be used. The insurance contract management device 102 further
Calculation time setting section 114 for setting the calculation time of the increment.
including. The calculation time setting unit 114 performs an insurance-side sweep process.
It may be integrated with the part 122. The calculation time is
Set as required. For example, if a customer makes a deposit
The customer operates the terminal device and enters the calculation time
You may force. Also, the customer's request is communicated to the operator.
Then, the calculation time may be input by the operator. Ma
In addition, customer requests are obtained in advance and stored in the system.
May be. The calculation time setting unit 114 is operated by an input or the like.
The calculation timing is obtained and set as the calculation timing of the increase.
Insurance increase calculator 110 and bank increase calculator 112
Is the same as the calculation time set by the calculation time setting unit 114.
Increase in bank accounts and premium portion of insurance contracts
Is calculated. Therefore, both calculation units 110, 1
12 calculates the increment up to the same calculation time. What
Note that the calculation time is set to a period such as three years
And at what time (date)
May be specified. The bank account management device 104 also
Like the management device 102, the insurance increase calculation unit 110
And a bank account increase calculation unit 112. However, insurance contracts
About management device 102 and bank account management device 104 are connected
Calculation units 110 and 112
It may be provided. The calculation unit 11 is provided to the insurance side and the bank side.
The calculation unit 112 is allocated to the banks 0 and 112
Is also good. Further, the bank account management device 104 also sets the calculation time.
And a setting unit 114. Again, the management devices 102, 104
Is connected, the setting unit 114 is connected to one of the management devices.
May be provided. Further, the calculation time setting unit 114
It may be integrated with the bank-side sweep processing unit 124.
No. The sweep processing unit 120 includes the sweep processing unit 1 on the insurance side.
22 and a bank-side sweep processing unit 124. these
Are the insurance contract management device 102 and the bank account management device 1
It functions as a part of the payment processing unit 04. Insurance side
The processing unit 122 informs the insurance contract management device 102
The eave processing unit 124 is provided in the bank account management device 104.
That communicate with each other and
Exchange the required amount of money and other information. Swee
The processing unit 120 checks the increase in the bank account and the insurance contract.
Based on the increase in the premium portion, the premium portion
Transfer customer gold to and from bank accounts. Sweep processing
The unit 120 increases the total amount of the bank account and the insurance contract.
A sweep process is performed so that the First, the customer has an insurance contract
Let's consider the case of depositing into the insurance premium reserve portion. Insurance Sui
The loop processing unit 122 receives information on payment from a customer
Then, the deposit amount is calculated by the insurance increase calculation unit 110 and
This is provided to the bank account increase calculation unit 112. Calculation time setting
The unit 114 sets the calculation time of the increment. Insurance increase
The calculation unit 110 compares the provided amount with the insurance premium of the insurance contract.
Calculate the increase of the reserve fund when stored in the reserve part. Silver
The bank account increase calculation unit 112 stores the same amount in the bank account.
Calculate the amount of increase in the deposit when you receive it. Here, set
The two increments up to the same calculated time are calculated by the calculation units 110 and 1
12 is calculated. Insurance-side sweep processing unit 122
Is the insurance increase calculation unit 110 and the bank account increase calculation
The amount of the increase calculated by the unit 112 is compared.
If the increase on the insurance side is larger, the sweep processing on the insurance side
The unit 122 uses the amount of the deposit as it is to save the premium
To be added. On the other hand, if the increase on the bank side is larger,
In this case, the insurance side sweep processing unit 122
The information is sent to the sweep processing section 124 on the bank side. At this time,
The customer may be asked for a sweep permission instruction. Bank side
The eaves processing unit 124 calculates the amount sent from the insurance side.
Is added to the bank account in the bank account information database 108.
I can. Next, consider a case where a customer deposits money into a bank account.
The bank-side sweep processing unit 124 receives information on payments from customers.
Upon receipt of the received amount, the received amount is calculated by the insurance increase calculation unit 1
10 and the bank account increase calculation unit 112. Arithmetic
The outgoing time setting unit 114 sets a time to calculate the increase.
The insurance increase calculation unit 110 compares the provided amount with the insurance contract.
Calculate the increase in the reserve fund when it is stored in the insurance premium reserve
Put out. The bank account increase calculation unit 112 calculates the same amount
Calculate the increase in the deposit when saving to the bank account. here
Means that both increments up to the same set calculation time are calculated
Calculated by 110 and 112. Bank-side sweep processing
The unit 124 includes the insurance increase calculation unit 110 and the bank account increase
The amount of increase calculated by the addition calculation unit 112 is compared with
Compare. If the increase in the bank is larger,
The loop processing unit 124 uses the received money as it is
To be added to On the other hand, the increase on the insurance side is larger
In this case, the bank-side sweep processing unit 124
To the insurance-side sweep processing unit 122. On this occasion,
The customer may be asked for sweep permission. Insurance side
The sweep processing unit 122 calculates the amount sent from the bank
The insurance of the insurance contract in the insurance contract information database 106
Add to the reserve portion. As explained above, this implementation
According to the form, based on insurance contracts and bank account growth
To perform sweep processing advantageous to the customer. In this embodiment
Sets priorities for asset allocation in insurance contracts and bank accounts
Not. These sweep features allow more customers
Can provide many benefits. Customers can make deposits with banks and insurance reserves
Can be advantageously used. Also, according to the present embodiment,
The minute calculation time is set according to the customer's request. And
Until the same calculation period, the increase amount of the bank side and the insurance side is calculated.
And both are compared. Here, the schematic diagram of FIG.
In general, in the short term, an increase in banks
More than the increase. However, after a certain period,
The increase on the rugged side reverses and is larger than the increase on banks.
And many. When using this system, the customer
For example, the expected time of expenditure is calculated as the increase
Request as time. When requested by the above processing
Is calculated by the bank and the insurance side during the period.
Are directed in the direction of more. Therefore, this system
System, the amount of increase in the calculation period required by the customer
The preferred result is that it can be increased. In addition,
Here, the calculation time was set according to the customer's request,
The setting of the calculation time is not limited to this.
May also be set. Predetermined fixed time
May be used. Also calculated according to the customer's contract
The timing may be automatically and appropriately set. Such a structure
Can increase the amount of increase at the appropriate time.
You. The preferred embodiment of the present invention has been described above. here
"Integrated insurance policy and bank account management system"
Insurance contract management devices, each of which is a computer system
And a bank account management device. Insurance contract management equipment
The device and the bank account management device may be integrated. Also cis
System components are further integrated into other computer systems.
They may be distributed. Further, the present invention provides the above-described integration.
Integrated management system and integrated management by the system
It is not limited to law. For example, another aspect of the invention is a
A security contract management device or a bank account management device;
It is a management method using those devices, and furthermore,
This is a medium that stores a program that implements the law. That
In addition, in the system shown in FIG.
A sweep condition determination unit and a sweep condition storage unit are provided.
But this is not a limitation. The insurance side and the bank side communicate
Since they are connected, which configuration is within the scope of the present invention?
It may be provided there. In the system of FIG. 2,
Sweeps mainly based on bank account status
However, this is not limited within the scope of the present invention. Insurance contract
Sweep conditions are used to indicate the status of the insurance contract.
A sweep may be performed according to the sweep at this time.
May be either one-way or two-way. This point
A preferred embodiment of the present invention is disclosed in FIGS.
Have been. In addition, the various embodiments described above are appropriately assembled.
It goes without saying that they may be combined. For example, FIG.
Of the system of FIG. 11 to FIG.
Limit function, sweep return function and sweep permission function.
Can be combined. The embodiment of the present invention has been described above.
However, the technical scope of the present invention is not limited to the above embodiment.
The scope is not limited to the above. In the above embodiment,
Various changes or improvements can be made. Such strange
Modified or improved forms are also included in the technical scope of the present invention.
The attainment is apparent from the description of the claims.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an insurance contract to which the present invention is applied.

FIG. 2 is a diagram illustrating a system configuration according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating sweep processing when a sweep condition for an excess upper limit is applied;

FIG. 4 is a diagram showing a sweep process when a balance sweep condition is applied.

FIG. 5 is a diagram showing sweep processing when a payment supplement sweep condition is applied.

FIG. 6 is a diagram showing a sweep process when a payment supplementary sweep condition with extra money is applied.

FIG. 7 is a diagram illustrating a sweep process when a deposit maintenance sweep condition is applied.

FIG. 8 is a diagram showing sweep processing when a deposit maintenance sweep with surplus condition is applied.

FIG. 9 is a diagram showing a configuration example of a system having a sweep function for preventing insurance expiration according to the present invention.

FIG. 10 is a diagram illustrating a sweep process when a sweep condition for invalidation prevention is applied.

FIG. 11 is a diagram showing a configuration example of a system having a sweep restriction function of the present invention.

FIG. 12 is a diagram illustrating a second configuration example of a system having a sweep restriction function according to the present invention.

FIG. 13 is a diagram illustrating a configuration example of a system having a sweep return function according to the present invention.

FIG. 14 is a diagram showing a configuration example of a system having a sweep permission function of the present invention.

FIG. 15 is a diagram illustrating an example of a sweep permission process.

FIG. 16 is a diagram illustrating a configuration example of a system having a sweep function based on an increment according to the present invention.

FIG. 17 is a diagram showing a schematic example of a change in an increase in reserves and deposits.

[Explanation of symbols]

 Reference Signs List 20 insurance contract management device 22 insurance contract information database 30 bank account management device 32 bank account information database 40 sweep condition determination unit 42 sweep condition storage unit 50 sweep processing unit 52 insurance side sweep processing unit 54 bank side sweep processing unit 56 deposit sending unit 58 Deposit receiving unit 64 Reservation sending unit 66 Reservation receiving unit

 ────────────────────────────────────────────────── ─── Continued on the front page (72) Inventor Shuichi Sakai 2-5-2-5 Nakanoshima, Kita-ku, Osaka-shi, Osaka Sumitomo Life Insurance Company F-term (reference) 5B055 CB09 CB15 FA01

Claims (101)

[Claims] 1. An insurance contract information storage unit for storing information on an insurance contract of the customer, the insurance contract comprising an insurance premium portion and a security portion receiving an insurance premium from the insurance premium portion; A bank account information storage unit that stores information of a bank account; and a sweep that determines that a sweep condition that is a condition for transferring customer's money between the premium accumulation part of the insurance contract and the bank account is satisfied. A condition determining means, when the sweep condition is satisfied, a conversion between the reserve fund of the premium reserve portion of the insurance contract and the deposit in the bank account, and the customer between the premium reserve portion and the bank account And a sweep processing means for moving the money of the insurance policy and the bank account integrated management system. 2. The system according to claim 1, wherein the sweep condition determination unit is configured to transfer a deposit from a bank account to an insurance contract—an insurance sweep condition and an insurance transfer a deposit from the insurance contract to a bank account—. When the bank sweep condition is satisfied, the sweep processing means transfers the deposit from the bank account to the premium reserve portion of the insurance contract when the bank-insurance sweep condition is satisfied, and the insurance-bank sweep condition is satisfied. When the insurance contract is concluded, the reserve is transferred from the premium reserve portion of the insurance contract to the bank account. An insurance policy and integrated bank account management system, characterized in that the condition is a condition indicating a situation in which the deposit amount of the bank account should be replenished. 3. The system according to claim 1, wherein the sweep condition determining means determines that the sweep condition is satisfied when the deposit amount of the bank account exceeds a predetermined upper limit deposit amount, and the sweep condition is determined. The insurance policy and bank account integrated management system, wherein the processing means moves a deposit in excess of the upper limit deposit amount to a premium accumulation portion of the insurance contract. 4. The system according to claim 1, wherein said sweep condition determining means sets the sweep condition when a predetermined remaining deposit sweep timing set according to a timing of depositing money into said bank account comes. An insurance contract and bank account integrated management system, characterized in that it is determined that the contract has been established, and the sweep processing means moves the remaining deposit of the bank account at the balance sweep timing to a premium accumulation portion of an insurance contract. 5. The system according to claim 1, wherein the sweep condition determining unit determines that the sweep condition is satisfied when a shortfall in payment of the bank account occurs, and the sweep processing unit includes: An insurance contract and bank account integrated management system, wherein a reserve is transferred from a premium accumulation portion of the insurance contract to the bank account to replenish the shortfall. 6. The system according to claim 5, wherein the sweep processing means transfers a reserve fund obtained by adding a predetermined surplus amount to an underpayment of a bank account from a premium reserve portion of the insurance contract to the bank account. An integrated insurance policy and bank account management system characterized by being moved. 7. The system according to claim 1, wherein the sweep condition determining unit determines that the sweep condition is satisfied when a deposit amount of the bank account falls below a predetermined maintenance deposit amount, A sweep processing means for transferring a reserve from the premium reserve portion of the insurance contract to the bank account so as to maintain the maintenance deposit amount; 8. The system according to claim 7, wherein the sweep processing means moves a reserve fund necessary for giving a predetermined surplus amount to the bank account in addition to the maintenance deposit amount. Insurance contract and bank account integrated management system. 9. The system according to claim 1, wherein the sweep condition determination means secures an insurance premium for a premium reserve portion of the insurance contract to move from the premium reserve portion to the security portion. The sweep processing means determines that the sweep condition has been satisfied when the amount falls below the expiration prevention lower limit required to perform, and the sweep processing means executes the insurance from the bank account so that the reserve amount is equal to or more than the expiration prevention lower limit. An integrated insurance contract and bank account management system, wherein deposits are transferred to the premium portion of the contract. 10. The insurance policy and the bank account according to claim 9, wherein the lower limit for preventing the expiration is set based on the premium transferred to the security portion of the insurance policy of each customer. Integrated management system. 11. The system according to claim 1, wherein a sweep from the premium portion of the insurance contract to the bank account is performed from the premium portion on the insurance contract side. An insurance contract and bank account integrated management system, which includes a sweep limit means for securing a reserve fund for restricting a sweep for lowering a minimum reserve fund required to secure an insurance premium to be transferred to a portion. 12. The system according to claim 11, wherein the lower-limit reserve fund is set according to a premium to be transferred to the standard security portion when a standard security portion contract is assumed. An integrated insurance policy and bank account management system. 13. The insurance contract and the bank account according to claim 12, wherein a multi-stage reserve is set corresponding to a standard security portion contract of a multi-stage scale. Integrated management system. 14. The system according to claim 11, wherein the lower reserve is set for each customer according to the insurance premium transferred to the individual customer's security portion based on the contract for the individual customer's security portion. An integrated insurance policy and bank account management system. 15. The system according to claim 1, wherein when a predetermined sweep return condition is satisfied after the sweep processing unit performs a sweep, the swept gold is restored. An integrated insurance policy and bank account management system, characterized by including return means. 16. The insurance contract and bank account integrated management system according to claim 1, further comprising a sweep permitting means for permitting a sweep by said sweep processing means according to a customer's instruction. . 17. The integrated insurance policy and bank account management system according to claim 16, further comprising permission request means for presenting a sweep schedule to a customer and requesting permission of the sweep. 18. An insurance contract information storage unit for storing information of an insurance contract of the customer, the insurance contract information comprising an insurance premium portion and a security portion receiving an insurance premium from the insurance premium portion, A bank account information storage unit that stores information on a bank account; a bank increase calculation unit that calculates an increase in the bank account; and an insurance increase calculation unit that calculates an increase in the premium reserve portion of the insurance contract. Sweep processing means for transferring customer's gold between the premium funding portion and the bank account based on the increase in the bank account and the premium funding portion of the insurance contract. An integrated insurance policy and bank account management system. 19. The system according to claim 18, further comprising a calculation time setting unit that sets a calculation time of the increase, wherein the bank increase calculation unit and the insurance increase calculation unit include:
An insurance contract and bank account integrated management system, wherein the increase amount of the bank account and the increase amount of the insurance premium reserve portion of the insurance contract are calculated until the same calculation time set by the calculation time setting unit. 20. An insurance contract information storage unit for storing information on an insurance contract of a customer, the insurance contract information comprising an insurance premium portion and a security portion receiving an insurance premium from the insurance premium portion; When a sweep condition for moving the customer's gold from the premium reserve portion to the customer's bank account is satisfied, a reserve transmission sending section for transmitting the reserve of the premium reserve portion to the bank account, An insurance contract management device, comprising: 21. The insurance contract management device according to claim 20, wherein when a sweep condition that an underpayment occurs in the bank account is satisfied, a reserve corresponding to the underpayment is transferred to the bank account. An insurance contract management device characterized by sending. 22. The insurance contract management apparatus according to claim 21, wherein a reserve fund obtained by adding a predetermined surplus to a deficit in a bank account is sent to the bank account. 23. The insurance contract management device according to claim 20, wherein when the sweep condition that the deposit amount of the bank account falls below a predetermined deposit amount is satisfied, the insurance deposit management device is required to maintain the deposit amount. An insurance contract management device, which sends a reserve fund to the bank account. 24. The insurance contract management device according to claim 23, wherein a reserve fund necessary for giving a predetermined surplus amount to the bank account is sent in addition to the maintenance deposit amount. Management device. 25. The insurance contract management apparatus according to claim 20, wherein the insurance contract side reserves a lower limit necessary for securing an insurance premium to move from the insurance premium accumulation portion to the security portion. An insurance contract management device, comprising a sweeping limit means for securing a reserve fund for limiting a sweep for lowering money. 26. The insurance contract management device according to claim 25, wherein the lower-limit reserve fund is set according to an insurance premium that moves to the standard security portion when a standard security portion contract is assumed. An insurance contract management device characterized by being performed. 27. The insurance contract management system according to claim 26, wherein a plurality of reserves are set in correspondence with a plurality of standard contracts of the security portion. Management device. 28. The insurance contract management device according to claim 25, wherein the lower limit reserve is based on the contract of the security portion of each customer, and for each customer according to the premium transferred to the security portion of each customer. An insurance contract management device characterized by being set. 29. The insurance contract management apparatus according to claim 20, further comprising a sweep permitting means for permitting a sweep by said sweep processing means in accordance with a customer's instruction. 30. The insurance contract management apparatus according to claim 29, further comprising permission request means for presenting a sweep schedule to a customer and requesting permission of the sweep. 31. An insurance contract information storage unit for storing information of an insurance contract of a customer, the insurance contract information comprising an insurance premium portion and a security portion receiving an insurance premium from the insurance premium portion; And a deposit receiving processor for receiving a deposit sent from the bank account when a sweep condition for transferring a customer's gold from a bank account to a premium reserve portion of the insurance contract is satisfied. An insurance contract management device, wherein the deposit sent from the insurance contract is added to the insurance premium reserve portion of the insurance contract. 32. The insurance contract management device according to claim 31, wherein when a sweep condition that the deposit amount of the bank account exceeds a predetermined upper limit deposit amount is satisfied, the excess deposit exceeding the upper limit deposit amount. From the bank account. 33. The insurance contract management device according to claim 31, wherein the sweeping of the balance is performed when a sweep condition that a predetermined remaining sweep timing set in accordance with a timing of depositing into the bank account comes is satisfied. An insurance contract management device, comprising: receiving a remaining deposit of a bank account at a timing from the bank account. 34. The insurance contract management device according to claim 31, wherein a reserve amount of a premium reserve portion of the insurance contract is necessary for securing an insurance premium to move from the premium reserve portion to the security portion. An insurance contract management device, wherein, when a sweep condition that the amount is less than a minimum amount of the lapse prevention limit is satisfied, a deposit necessary to make the reserve amount equal to or more than the minimum amount of the lapse prevention limit is received from the bank account. 35. The insurance contract management apparatus according to claim 34, wherein the lower limit for preventing expiration is set based on an insurance premium transferred to a security portion of each customer's insurance contract. Management device. 36. The insurance contract management device according to claim 31, wherein when the predetermined sweep return condition is satisfied after the sweep processing unit performs the sweep, the swept money is returned to the original. An insurance contract management device characterized by including a sweep return means for returning to an insurance contract. 37. A bank account information storage unit for storing information on a customer's bank account, and a bank account information conversion unit for converting the bank account into a customer insurance contract including a premium portion and a security portion for receiving premiums from the premium portion. And a deposit sending section for sending the deposit in the bank account to a premium accumulation portion of the insurance contract when a sweep condition for transferring a deposit from is satisfied. 38. The bank account management device according to claim 37, wherein when a sweep condition that the deposit amount of the bank account exceeds a predetermined upper limit deposit amount is satisfied, the excess deposit exceeding the upper limit deposit amount. The bank account management device, wherein the bank account management device sends the information to the insurance contract. 39. The bank account management apparatus according to claim 37, wherein the sweeping of the balance is performed when a sweep condition that a predetermined remaining sweep timing set in accordance with a timing of deposit into the bank account comes. A bank account management device for transmitting a remaining deposit of a bank account at a timing to the insurance contract. 40. The bank account management apparatus according to claim 37, wherein a reserve amount of a premium reserve portion of the insurance contract is necessary for securing an insurance premium to be transferred from the premium reserve portion to the security portion. A bank account management device, wherein when the sweep condition that the amount is less than the lower limit of lapse prevention is satisfied, a deposit necessary to make the reserve amount equal to or more than the lower limit of lapse prevention is sent to the insurance contract. . 41. The bank account management device according to claim 40, wherein the lower limit for preventing invalidation is set based on an insurance premium transferred to a security portion of each customer's insurance contract. Management device. 42. The bank account management apparatus according to claim 37, wherein when a predetermined sweep return condition is satisfied after the sweep processing unit performs a sweep, the swept money is returned to the original. A bank account management device comprising a sweep return means for returning to a bank account. 43. A bank account information storage unit for storing information on a customer's bank account, and a customer insurance contract comprising a premium portion and a security portion for receiving premiums from the premium portion, from the customer's insurance contract to the bank account. And when a sweep condition for moving a reserve is satisfied, a reserve receiving unit for receiving a reserve sent from the insurance contract, comprising: a reserve account sent from the insurance contract to the bank account. A bank account management device characterized by adding to the above. 44. The bank account management apparatus according to claim 43, wherein when a sweep condition that an underpayment occurs in the bank account is satisfied, a reserve fund corresponding to the underpayment is removed from the insurance contract. A bank account management device characterized by receiving. 45. The bank account management device according to claim 44, wherein a reserve fund obtained by adding a predetermined surplus amount to a deficit of a bank account is received from the insurance contract. 46. The bank account management apparatus according to claim 43, wherein when a sweep condition that the deposit amount of the bank account is less than a predetermined maintenance deposit amount is satisfied, the bank account management device is required to maintain the maintenance deposit amount. A bank account management device, comprising receiving a reserve fund from the insurance contract. 47. The bank account management apparatus according to claim 46, wherein a reserve fund necessary for giving a predetermined surplus amount to the bank account is received in addition to the maintenance deposit amount. apparatus. 48. The insurance policy of the customer, which manages information on the insurance contract composed of a premium portion and a security portion for receiving the premium from the premium portion, and manages the customer's bank account information. A sweep condition determining step of determining that a sweep condition that is a condition for moving customer's money between the premium reserve portion of the insurance contract and the bank account has been satisfied, and When the sweep condition is satisfied, a sweep that transfers a customer's gold between the insurance fund reserve portion and the bank account by converting the reserve money of the insurance premium portion of the insurance contract and the deposit of the bank account. A method for integrated management of insurance contracts and bank accounts, comprising: processing steps. 49. The method according to claim 48, wherein the step of determining a sweep condition comprises the step of: transferring a deposit from a bank account to an insurance contract—an insurance sweep condition and an insurance transferring a deposit from an insurance contract to a bank account— Determining whether a bank sweep condition is satisfied; and wherein the sweep processing step transfers a deposit from a bank account to a premium reserve portion of an insurance contract when the bank-insurance sweep condition is satisfied, and the insurance-bank sweep condition is satisfied. When the insurance contract is concluded, the reserve is transferred from the premium reserve portion of the insurance contract to the bank account, and the bank-insurance sweep condition is a condition indicating that the deposit amount in the bank account has a margin, and The insurance policy and the bank account integrated management method, characterized in that the condition is a condition indicating a situation in which the deposit amount of the bank account should be replenished. 50. The method according to claim 48 or 49, wherein the sweep condition determining step determines that the sweep condition is satisfied when the deposit amount of the bank account exceeds a predetermined upper limit deposit amount, and the sweep condition is determined. In the processing step, an insurance contract and a bank account integrated management method are characterized in that a deposit in excess of the upper limit deposit amount is transferred to a premium accumulation portion of the insurance contract. 51. The method according to claim 48 or 49, wherein the sweep condition determination step is performed when a predetermined remaining deposit sweep timing set according to a timing of depositing into the bank account comes. An insurance contract and bank account integrated management method, wherein it is determined that the contract has been established, and the sweep processing step moves the remaining deposit of the bank account at the balance sweep timing to a premium accumulation portion of an insurance contract. 52. The method according to claim 48 or 49, wherein the sweep condition determining step determines that the sweep condition is satisfied when an underpayment of the bank account occurs, and the sweep processing step includes: An insurance contract and bank account integrated management method, wherein a reserve is transferred from the premium accumulation part of the insurance contract to the bank account to replenish the shortfall. 53. The method according to claim 52, wherein the sweeping step comprises: transferring a reserve, which is obtained by adding a predetermined surplus to an underpayment of a bank account, from a premium reserve portion of the insurance contract to the bank account. An insurance policy and a bank account integrated management method characterized by being moved. 54. The method according to claim 48 or 49, wherein the sweep condition determining step determines that the sweep condition is satisfied when a deposit amount of the bank account falls below a predetermined maintenance deposit amount, In the sweep processing step, an insurance contract and a bank account integrated management method are characterized in that a reserve is transferred from a premium accumulation portion of the insurance contract to the bank account so as to maintain the maintenance deposit amount. 55. The method according to claim 54, wherein the sweeping step moves a reserve fund necessary for giving a predetermined surplus amount to the bank account in addition to the maintenance deposit amount. Insurance policy and integrated bank account management method. 56. The method of claim 48, wherein the step of determining a sweep condition includes the step of determining that a reserve amount of a premium portion of the insurance contract secures a premium to be transferred from the premium portion to the security portion. It is determined that the sweep condition is satisfied when the lower limit of the expiration prevention required to perform the operation is less than the lower limit, and the sweep processing step includes: An insurance contract and bank account integrated management method, which comprises transferring a deposit to a premium portion of a contract. 57. The method of claim 56, wherein the lower lapse limit is set based on premiums that are transferred to the security portion of each customer's insurance contract. Integrated management method. 58. The method according to any of claims 48 to 57, wherein a sweep from the premium-funded portion of the insurance contract to the bank account comprises the security from the premium-funded portion on the insurance contract side. An insurance contract and bank account integrated management method, including a sweeping reserve step for limiting a sweep that lowers a lower limit reserve required to secure an insurance premium to be transferred to a portion. 59. The method of claim 58, wherein the lower reserve is set according to a premium that moves to the standard security portion when a standard security portion contract is assumed. An integrated insurance policy and bank account management method. 60. The insurance contract and the bank account according to claim 59, wherein a multi-stage reserve is set corresponding to each of the multi-stage standard security portion contracts. Integrated management method. 61. The method of claim 58, wherein the lower reserve is set on a customer-by-customer basis based on a contract for the security portion of the individual customer and the premium transferred to the security portion of the individual customer. Insurance policy and bank account integrated management method. 62. The method according to claim 48, wherein when the predetermined sweep return condition is satisfied after the sweep in the sweep processing step is performed, the swept gold is restored. An insurance policy and bank account integrated management method, comprising a return step. 63. The insurance policy and bank account integrated management method according to claim 48, further comprising a sweep permitting step of permitting sweeping by the sweeping process step according to a customer's instruction. . 64. The insurance policy and bank account integrated management method according to claim 63, further comprising a permission requesting step of presenting a sweep schedule to a customer and requesting permission of the sweep. 65. The insurance contract of the customer, which manages information on the insurance contract composed of an insurance premium portion and a security portion receiving the insurance premium from the insurance premium portion, and information on the customer's bank account. In the method of managing, the bank increase calculation step of calculating the increase of the bank account, the insurance increase calculation step of calculating the increase of the premium reserve portion of the insurance contract, the increase of the bank account and A sweeping step of transferring customer gold between the premium funding portion and the bank account based on an increase in the premium funding portion of the insurance contract. Account integration management method. 66. The method according to claim 65, further comprising: a calculation time setting step of setting a calculation time of the increase, wherein the bank increase calculation step and the insurance increase calculation step are performed by the calculation time setting step. An insurance contract and bank account integrated management method, wherein the increase amount of the bank account and the increase amount of the insurance premium reserve portion of the insurance contract are calculated up to the same set calculation time. 67. An insurance contract management method for managing information on an insurance contract of a customer, the insurance contract comprising a premium portion and a security portion receiving the premium from the premium portion. Insurance contract management, wherein, when a sweep condition for transferring a customer's money from the premium reserve portion to the customer's bank account is satisfied, the reserve of the premium reserve portion is sent to the bank account. Method. 68. The insurance contract management method according to claim 67, wherein when a sweep condition that an underpayment occurs in the bank account is satisfied, a reserve fund corresponding to the underpayment is transferred to the bank account. An insurance contract management method characterized by sending the insurance contract. 69. The insurance contract management method according to claim 68, wherein a reserve fund obtained by adding a predetermined surplus to a deficit in a bank account is transmitted to the bank account. 70. The insurance contract management method according to claim 67, wherein when the sweep condition that the deposit amount of the bank account is less than a predetermined maintenance deposit amount is satisfied, it is necessary to maintain the maintenance deposit amount. And sending a reserve fund to the bank account. 71. The insurance contract management method according to claim 70, wherein a reserve necessary for giving a predetermined surplus amount to the bank account in addition to the maintenance deposit amount is transmitted. Management method. 72. The insurance contract management method according to any one of claims 67 to 71, wherein the insurance contract side reserves a lower limit necessary for securing an insurance premium to be transferred from the insurance premium storage portion to the security portion. A method for managing an insurance contract, comprising a sweep restriction step for securing a reserve fund for restricting a sweep that lowers money. 73. The insurance contract management method according to claim 72, wherein the lower-limit reserve fund is set according to an insurance premium moved to the standard security portion when a standard security portion contract is assumed. An insurance contract management method characterized by being performed. 74. The insurance contract management method according to claim 73, wherein a multi-stage reserve is set corresponding to each of the standard security portion contracts of a multi-stage scale. Management method. 75. The insurance contract management method according to claim 72, wherein the lower limit reserve is based on a contract for a security portion of each customer, and for each customer according to an insurance premium transferred to a security portion of each customer. An insurance contract management method characterized by being set. 76. The insurance contract management method according to any one of claims 67 to 75, further comprising a sweep permitting step of permitting a reserve fund to be sent to a bank account for sweeping according to a customer's instruction. Insurance contract management method. 77. The insurance contract management method according to claim 76, further comprising a permission requesting step of presenting a sweep schedule to the customer and requesting permission of sending out the reserve fund. 78. An insurance contract management method for managing information on an insurance contract of a customer, the insurance contract comprising a premium portion and a security portion receiving the premium from the premium portion. A deposit receiving step of receiving a deposit sent from the bank account when a sweep condition for transferring customer's gold from the account to the premium reserve portion of the insurance contract is satisfied; A method for managing an insurance contract, comprising: adding a deposited deposit to a portion of the insurance contract where the premium is saved. 79. The insurance contract management method according to claim 78, wherein when a sweep condition that the deposit amount of the bank account exceeds a predetermined upper limit deposit amount is satisfied, the excess deposit exceeding the upper limit deposit amount. Receiving from the bank account. 80. The insurance contract management method according to claim 78, wherein the sweeping of the balance is performed when a sweep condition that a predetermined remaining sweep timing set in accordance with the timing of deposit into the bank account comes is satisfied. An insurance contract management method, comprising: receiving a remaining deposit of a bank account at a timing from the bank account. 81. The insurance contract management method according to claim 78, wherein the reserve amount of the premium reserve portion of the insurance contract is necessary to secure the premium transferred from the premium reserve portion to the security portion. An insurance contract management method, comprising: receiving a deposit necessary for increasing the reserve amount to be equal to or greater than the lower limit of the invalidation prevention from the bank account when a sweep condition that the lower limit of the invalidation prevention is exceeded is satisfied. 82. The insurance contract management method according to claim 81, wherein said lower limit for preventing expiration is set based on an insurance premium transferred to a security portion of each customer's insurance contract. Management method. 83. The insurance contract management method according to any one of claims 78 to 82, wherein a sweep is performed when a predetermined sweep return condition is satisfied after the sweep money is moved to the insurance premium accumulation portion. A method for managing an insurance contract, comprising a sweep back step of recovering lost money. 84. A bank account management method for managing information of a customer's bank account, the method comprising the steps of: A bank account management method, comprising: a deposit sending step of sending a deposit in the bank account to a premium accumulation portion of the insurance contract when a sweep condition for moving a deposit is satisfied. 85. The bank account management method according to claim 84, wherein when a sweep condition that the deposit amount of the bank account exceeds a predetermined upper limit deposit amount is satisfied, the excess deposit exceeding the upper limit deposit amount. Sending to the insurance contract. 86. The bank account management method according to claim 84, wherein the sweeping of the balance is performed when a sweep condition that a predetermined remaining sweep timing set in accordance with a timing of deposit into the bank account comes is satisfied. A method for managing a bank account, comprising: sending a remaining deposit of a bank account at a timing to the insurance contract. 87. The bank account management method according to claim 84, wherein a reserve amount of a premium reserve portion of the insurance contract is necessary for securing an insurance premium to move from the premium reserve portion to the security portion. A bank account management method comprising: sending a deposit necessary for making the reserve amount equal to or more than the lower limit of the invalidation prevention to the insurance contract when a sweep condition that the lower limit is less than the lower limit of invalidation is satisfied. . 88. The bank account management method according to claim 87, wherein the lower limit of the lapse prevention is set based on an insurance premium transferred to a security portion of each customer's insurance contract. Management method. 89. The bank account management method according to claim 84, wherein when a predetermined sweep return condition is satisfied after a sweep money transfer from the bank account is performed, the swept money is set. A bank account management method, comprising: a sweep back step of restoring a bank account. 90. A bank account management method for managing information of a customer's bank account, comprising the steps of: converting a customer's insurance contract including a premium portion and a security portion receiving premiums from the premium portion to the bank account; A step of receiving a reserve sent from the insurance contract when a sweep condition for moving the reserve is satisfied, and adding the reserve sent from the insurance contract to the bank account; A bank account management method characterized by the following. 91. The bank account management method according to claim 90, wherein when a sweep condition that an underpayment occurs in the bank account is satisfied, a reserve fund corresponding to the underpayment is removed from the insurance contract. A bank account management method characterized by receiving. 92. The bank account management method according to claim 91, wherein a reserve fund obtained by adding a predetermined surplus to a deficit of a bank account is received from the insurance contract. 93. The bank account management method according to claim 90, wherein when the sweep condition that the deposit amount of the bank account falls below a predetermined maintenance deposit amount is satisfied, the bank account management method is required to maintain the maintenance deposit amount. Receiving a reserve fund from the insurance contract. 94. The bank account management method according to claim 93, further comprising: receiving a reserve necessary for giving a predetermined surplus amount to the bank account in addition to the maintenance deposit amount. Method. 95. A recording medium storing a computer-executable program, wherein the program is an insurance contract of the customer, and a guaranteed portion for receiving a premium from the premium portion and a premium portion. The program is used for managing information on an insurance contract composed of: and managing information on a bank account of a customer, wherein the program includes a customer between a premium accumulation portion of the insurance contract and the bank account. A sweep condition determination step of determining that a sweep condition, which is a condition for moving gold, is satisfied; and, when the sweep condition is satisfied, a reserve fund of a premium reserve portion of the insurance contract and a deposit in the bank account. Sweeping the customer's money between the premium portion and the bank account by the conversion of And wherein,
A computer-readable recording medium. 96. The recording medium according to claim 95, wherein the sweep condition determination step comprises: a step of transferring a deposit from a bank account to an insurance contract; and a step of transferring a deposit from the insurance sweep condition to the bank account. Determining whether a bank sweep condition is satisfied, wherein the sweep processing step transfers a deposit from a bank account to a premium reserve portion of an insurance contract when the bank-insurance sweep condition is satisfied, and performs the insurance-bank sweep condition. The fund is transferred from the premium portion of the insurance contract to the bank account when the insurance contract is established, and the bank-insurance sweep condition is a condition indicating a situation where the deposit amount of the bank account has a margin, and the insurance-bank A recording medium, wherein the sweep condition is a condition indicating a situation in which a deposit amount of a bank account should be replenished. 97. A recording medium storing a computer-executable program, wherein the program is an insurance contract of the customer, and includes an insurance premium portion and a security portion for receiving an insurance premium from the insurance premium portion. The program is used for managing information on an insurance contract composed of: and managing information on a bank account of a customer, wherein the program includes: a bank increase calculation step of calculating an increase in the bank account; An insurance increment calculating step of calculating an increment of an insurance premium portion of the contract; and the insurance premium portion and the bank account based on the increase of the bank account and the increase of the insurance premium portion of the insurance contract. Sweeping the customer's gold between and
A computer-readable recording medium. 98. A recording medium storing a computer-executable program, wherein the program is a customer insurance contract, and includes a premium portion and a security portion for receiving premiums from the premium portion. The program is used to manage the information of the configured insurance contract, wherein the program is executed when a sweep condition for transferring the customer's money from the premium reserve portion of the insurance contract to the customer's bank account is satisfied. A computer-readable recording medium characterized by causing the computer to execute a process of sending a reserve fund of a premium reserve portion to the bank account. 99. A recording medium storing a computer-executable program, wherein the program is an insurance contract of a customer, and includes a premium portion and a security portion for receiving premiums from the premium portion. The program is used to manage the information of the constituted insurance contract, wherein the program is executed when a sweep condition for transferring the customer's gold from the customer's bank account to the premium reserve portion of the insurance contract is satisfied. Causing the computer to execute: a deposit receiving step of receiving a deposit sent from a bank account; and a step of adding the deposit sent from the bank account to a premium reserve portion of the insurance contract. ,
A computer-readable recording medium. 100. A recording medium storing a computer-executable program, the program comprising:
The program is used to manage information of a customer's bank account, and the program transfers a deposit from the bank account to a customer insurance contract consisting of a premium portion and a security portion receiving premiums from the premium portion. When the sweep condition to move is satisfied, the computer causes the computer to execute a deposit sending process of sending the deposit in the bank account to the premium reserve portion of the insurance contract, wherein the computer-readable recording is performed. Medium. 101. A recording medium storing a computer-executable program, the program comprising:
The program is used to manage the information of the customer's bank account, and the program is designed to transfer the fund from the customer's insurance contract, which comprises a premium portion and a security portion receiving the premium from the premium portion, to the bank account. When the sweep condition for moving is satisfied, a reward point receiving processing step of receiving a reward point sent from the insurance contract, and a step of adding the reward point sent from the insurance contract to the bank account, Being executed by the computer,
A computer-readable recording medium.