JP2002175416A - Automatic assessment method and its system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic assessment method and system in which insurance policy issuing time can be shortened by automating assessment processing. SOLUTION: A plurality of conditions related with automatic assessment are preset, and the data of the application contents of insurance transmitted from an applicant terminal are checked under the plurality of conditions related with the automatic assessment so that the automatic assessment processing of the application contents can be executed. As the result of the automatic assessment processing, the data of the automatically assessable application contents are transferred to insurance policy issuing processing as they are. Also, a condition on a new contract and the information of the applicant are preset on the applicant terminal, and in inputting the contents of the application of the insurance on the applicant terminal, the check of the input contents is executed based on the condition on the new contract and the information of the applicant, and when the application contents without any problem are acquired as the result of the check of the input contents, the data of the application contents are transmitted.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic assessment method and an automatic assessment system for automatically making an assessment when applying for insurance, for example, in an insurance company.

[0002]

2. Description of the Related Art Conventionally, when making an insurance application, an insurance recruiter sends an application describing the contents of a customer's application to a headquarters or other place where the assessment is made, and based on the application, Was making an assessment. In addition, when an insurance solicitor proposes insurance to a customer, the type of insurance and the amount of insurance that the customer can contract is determined based on a manual such as a rule book in a new contract, and within that range. Was making a proposal.

[0003]

However, in the conventional assessment at the time of insurance application, the assessment is performed by the assessor based on the application form. There was a problem that it would be long.

[0004] In addition, insurance recruitment is performed based on a manual such as a rule book in a new contract, so if there is a change in the manual, it must be replaced, etc., and there are frequent changes. In such a case, there is a problem that the replacement work is increased and it is difficult to grasp all the contents. As a result, the insurance content described in the application form may not be contractable, it will not be possible at the time of assessment, it will be necessary to correct the insurance content again, etc. The time could be even longer.

The present invention has been made in order to solve such a problem, and it is intended to automate the assessment process by checking the insurance contents at the customer application stage and digitizing the application contents. It is an object of the present invention to provide an automatic assessment method and an automatic assessment system that can perform the above.

[0006]

According to the present invention, there is provided an automatic assessment method for automatically assessing the contents of an insurance application designed on a recruiter terminal of a recruiter. Check the insurance application data sent from the recruiter's terminal according to multiple conditions related to automatic assessment, perform an automatic assessment process for the application content, and as a result of the automatic assessment process, an application that can be automatically assessed. The data of the content is directly transferred to the insurance policy issuance processing.

Further, the automatic assessment method according to the present invention sets a new contract condition and recruiter information in advance on the recruiter terminal, and when inputting the contents of the insurance application form on the recruiter terminal,
Based on the conditions of the new contract and the information of the recruiter, the input contents are checked, and as a result of the input contents check, if there is no problem in the application contents, the data of the application contents is transmitted.

In the automatic assessment method according to the present invention, when the automatic assessment process is performed, the self-signing and stamping of the insurance application form and the documents required for the insurance contract sent from the recruiter can be checked.
Then, after comparing the contents of the application form with the contents of the data of the insurance application transmitted from the recruiter terminal, the automatic assessment process is executed.

In the automatic assessment method according to the present invention, the contents of the application form and the contents of the insurance application data transmitted from the recruiter terminal are compared with each other by comparing the bar code printed on the application form with the recruiter This is performed by comparing with the code in the data of the insurance application content transmitted from the terminal.

Further, the automatic assessment system according to the present invention comprises:
In an automatic assessment system that performs automatic assessment of insurance application contents designed on the recruiter terminal of the recruiter, means for setting a plurality of conditions relating to the automatic assessment in advance, and the insurance application content transmitted from the recruiter terminal The means of receiving the data and the data of the insurance application content transmitted from the recruiter terminal are checked according to a plurality of conditions relating to the automatic assessment, the application content is automatically assessed, and the result of the automatic assessment process is automatically assessed. Possible application data is
Means for directly shifting to insurance policy issuance processing.

Further, the automatic assessment system according to the present invention comprises:
The recruiter terminal is a means for setting the conditions of the new contract and the information of the recruiter in advance, and based on the conditions of the new contract and the information of the recruiter when inputting the contents of the insurance application form on the recruiter terminal. Means for checking the input contents, and transmitting the data of the application contents when the result of the input contents check shows that there is no problem in the application contents.

Further, the automatic assessment system according to the present invention comprises:
When performing the automatic assessment process, check the self-signing and seal of the insurance application form and the documents required for the insurance contract sent from the recruiter, and the data of the application form and the insurance application content transmitted from the recruiter terminal Are compared, and an automatic assessment process is executed.

[0013] The automatic assessment system according to the present invention comprises:
Equipped with a scanner terminal that takes in the insurance application form sent from the recruiter and the documents required for the insurance contract.The scanner terminal compares the contents of the application form with the data of the insurance application sent from the recruiter terminal. The bar code printed on the application form is read from the image of the application form captured by the application, and the bar code information is compared with the code in the insurance application content data transmitted from the recruiter terminal It is.

[0014]

FIG. 1 is a diagram showing a configuration of an automatic assessment system according to an embodiment of the present invention. In the figure, reference numeral 10 denotes a recruiter terminal, such as a personal computer, used by an insurance recruiter. The recruiter terminal 10 performs insurance design, proposal, and other processing. 11
Is an automatic assessment processing server group including various servers for performing an automatic assessment of insurance application contents in an insurance company, and is installed at, for example, a head office or the like. 12 is a host computer in which a database of insurance contract contents and the like is stored, 13 is a scanner terminal which performs a scanning process for inputting insurance application form by a scanner,
Reference numeral 14 denotes an evaluator terminal for the evaluator to evaluate an application that cannot be processed by the automatic evaluation.

Further, the connection between the recruiter terminal 10 and the automatic assessment server group 11 can be established via a public line network using a connection device such as a modem at a place where the user is outside or at each agency. A LAN in the automatic assessment server group 11 at the head office of the company or at a sales office connected to the head office by a dedicated line or the like.
If the environment allows direct connection to the LAN, the connection can be made via the LAN.

In this embodiment, at the time of recruitment by the recruiter terminal 10, the recruiter terminal 10 automatically checks the contents of the application for insurance products, and depending on the information of the insurance subscriber and the contents of the insurance application, If you can not apply, if you need other required documents,
An error is issued when there is an omission or the like at the time of application, so that a recruiter terminal 10 alone can create a correct application form.

The application form created by the recruiter terminal 10 is printed from a printer or the like, and is signed as a formal application form by the contractor. To the head office where the assessment server group 11 is installed).

The data of the application content is sent to the automatic assessment processing server group 11 via a public line network or a LAN.
Is sent to the automatic assessment processing server group 11,
The data of the transmitted application and the transmitted application content are collated by, for example, collating the barcode printed on the application with the code in the application content data, and the data of the application content is compared with the data of the application content. Automatic assessment processing is performed, and for those that do not need to be assessed by the assessor, the process directly shifts to the securities issue processing, the securities are issued, and the securities are dispatched to the contractor immediately. It is being shortened.

As the data in the recruiter terminal 10, the contents of the rule book on the conventional new contract are stored.
If there is a change in the content, the distributed F
The content can be updated using a recording medium such as D, or can be updated periodically when connected to the automatic assessment server group 11. In addition, information on the recruiter is also stored as data in the recruiter terminal 10, and information such as the qualification of the recruiter limits the amount of insurance and the type of insurance that the recruiter can recruit, This data is used for automatic check at the time of application form creation, and this data is also used when the information of the recruiter is changed, such as a recording medium such as FD or the automatic assessment server group 11
Can be updated by connecting to.

Next, the operation of this embodiment will be described. First, an automatic check operation as a primary selection in the recruiter terminal 10 will be described. 2 and 3 are flowcharts showing a check operation in the recruiter terminal 10, and FIGS. 4 to 11 are diagrams showing examples of screen display on the recruiter terminal 10. When a recruiter prepares a design document for a customer when recruiting insurance, first, the customer information is input, and the type of insurance product and its contents are input. For this input, for example, up to five types can be input as a main contract.

Then, based on the input customer information and insurance product information, a basic check is performed for each product such as contract age and contract unit (S100). If any error is detected in S100, for example, if the insurance amount is entered as 700 million yen, an error reason as shown in FIG. 4 is displayed as an error and the recruiter is prompted to change the design (S105). ,
It returns to S100.

If no error is detected in S100, the total amount of security for new recruitment is calculated (S101).
Judgment of medical examination standards at the time of application for treatment of notice, treatment of interviewer, treatment of doctor, etc. is made (S102), and the total amount for each security is checked (S103). In the check of the total amount by security in S103, checks by occupation, age, and recruiter are also checked.

If any error is detected in step S103, for example, if the occupation code is an electric worker and the occupation code is an extension worker (high pressure), the system is designed for lifetime medical care (730-day type), An error reason as shown in FIG. 5 is displayed as an error, and the recruiter is prompted to change the design (S
105), and returns to S100. If no error is detected in S103, for example, a screen such as a handling examination section and notes shown in FIG. 6 is displayed, and the insurance product design is completed.

After calculating the total amount of security for newly recruited in S101, the total amount is calculated via a public network or LAN.
Connected to the automatic assessment server group 11 and the host computer 1
Get the customer's total contracted amount stored in 2 or
Alternatively, the customer information is obtained in advance, and based on the information, the automatic assessment server group 11 is connected via a public line network or a LAN.
, The customer's total contracted amount stored in the host computer 12 may be acquired, and the check may be performed based on the total amount including the contracted total amount. In this case, the information of the contracted total is displayed in the information section shown in FIG.

When the design of the insurance product is completed,
The contents of the insurance are explained to the customer by displaying the design content on the screen of the recruiter terminal 10 or printed as a design document, and the customer is encouraged to apply for the designed insurance product.

When the customer enters the application stage, the customer inputs information necessary for the application to the recruiter terminal 10. Then, based on the input information, first, a check is made to determine whether or not the application content has been omitted (S110). If any error is detected in S110, for example, an error reason as shown in FIG. 7 is displayed as an error, and the recruiter is urged to correct the input omission (S117), and the process returns to S110.

In FIG. 7, IDs whose error IDs start with R are displayed in red, and IDs whose error IDs start with W.
Is shown in blue. And the errors displayed in red are errors that can not be created unless you cancel this error, the errors displayed in blue are points that need to be confirmed, additional items need to be filled in, There is an error such as one that requires documentation.

If no error is detected in S110, the contract type is checked (S111), and a check is made based on the occupation of the insured (S112). Note that S1
In S11, a check is performed, such as when a parent is designated despite the presence of a spouse as the death insurance beneficiary.
In 2, a check is made when the occupation of the insured person is, for example, a construction worker.

If an error is detected in S111 or S112 or it is determined that additional information needs to be input, for example, in the case of S111, even if a spouse has a death insurance Regardless, if you specify a parent,
The error reason as shown in FIG. 8 is displayed as an error, and the recruiter is instructed to add (S116, S117), and S11
Return to 0.

Then, if no error is detected in S111 and S112, the validity of the deposit amount from the customer's annual income and the like is checked (S113), and in S113, for example, an application is made on the input customer's annual income. If an error is detected due to a problem with the contents, for example, FIG.
Is displayed, and the recruiter is urged to change the contents of the application or to check the input of annual income, and the process returns to S110.

If no error is detected in S113, for example, a physique such as height and weight is checked (S114). In S114, for example, when an error is detected in a case where the physique such as height and weight exceeds a prescribed value in term insurance for a person who does not smoke, etc., for example, an error reason as shown in FIG. An error message will be displayed and the applicant will not be able to create an application for the current application with the current physique.
Return to 110.

When there is no error in the check in all of S110 to S114, for example, a display as shown in FIG. 11 is performed to inform the recruiter that there is no error. If an error-free application form can be created, the application form and other necessary documents are printed and output, and the contents of the application form are automatically assessed via a public line or a LAN. 11 (S11
5).

The printed application form and other necessary documents are handed over to the customer for confirmation of the contents, self-signing, stamping, etc., and then the documents are stored in the location where the automatic assessment server group 11 is installed. Send to

When the application form data is transmitted from the recruiter terminal 10 and the recruiter sends the self-signed and stamped application form, the automatic assessment server group 11 makes a second selection of the application contents. Is performed as an automatic assessment process. Here, the automatic assessment process in the automatic assessment server group 11 will be described. FIG. 12 is a flowchart showing the operation of the automatic assessment process on the automatic assessment server group 11 side, and FIG. 13 is a diagram showing an example of a screen display on the assessor terminal 14 when the automatic assessment process does not result in the automatic assessment process. is there.

First, a form such as an application form and other necessary documents sent from the recruiter is converted into image data by the inputting person by scanning with the scanner terminal 13, and is converted into a database as an original of the official application form. Is done. Also, at this time, the person in charge of input must
Check to see if there is a seal or other necessary documents.

Also, a form such as an application form or other necessary documents is printed with a bar code or the like for specifying the type of the form or the number of updates, for example. Application content data transmitted from the recruiter terminal 10 to the automatic assessment server group 11;
Check if the contents of each form sent from the recruiter are the same, and if the data of the application content sent from the recruiter terminal 10 of the recruiter to the automatic assessment server group 11 is correct in the application form Shifts to an automatic assessment process in the automatic assessment server group 11 based on the data.

In the automatic assessment process in the automatic assessment server group 11, conditions that are not subject to automatic assessment are set in advance, and a check by the automatic assessment process is performed based on the information on the conditions that are not subject to automatic assessment. Will be

Here, an example of a preset condition not to be subject to automatic assessment used in the automatic assessment process will be described. For example, the conditions that are not included in the automatic assessment are set in advance as new contract data. Spouses, parents,
Except for children, brothers and sisters, legal heirs, and corporations, automatic assessment is not applicable.
Various conditions are set in advance, such as, for example, when the person is under the age of being excluded from the automatic assessment.

As a total check, if the amount of normal death insurance is other than medical insurance or cancer insurance and the total amount of normal death insurance is more than 49,990,000 yen, it is not subject to the automatic assessment. Various conditions are set in advance depending on the total insurance amount and the hospitalization amount, such as exemption from automatic assessment when the hospitalization amount is more than 15,000 yen.

First, as a sole application content check, a contract form check, a basic check for each product, and the like are performed, and it is checked whether or not an automatic assessment is possible using the application content alone information (S120).

Then, as a check of the contract / existing contract, a total security total check of the contract / existing contract and a recruiter /
A check is made for each occupation, age, and examination category, and it is checked whether or not automatic assessment is possible based on the information on the contract / contract (S121). Then, as other checks, a form / health condition check, payment / personal information check, and the like are performed, and it is checked whether other information automatic assessment is possible (S122).

Then, it is checked whether or not the final automatic assessment is possible, including S120, S121 and S122 (S123). If all the automatic assessments are possible in S123, the security is directly obtained according to the data of the application contents. The process proceeds to the output process, and the security is output.

In the case where something that cannot be automatically assessed is checked in S123, automatic assessment cannot be performed, and manual assessment is performed by the assessor. For example, as shown in FIG. Such a message is displayed, and the evaluator performs a manual assessment based on the information displayed on the evaluator terminal 14, determines whether or not the application is possible, and confirms the evaluator and can apply. If it is, the process shifts to the security output process according to the data of the application content, and the security is output.

If it is impossible to apply, for example,
By sending a notice to that effect to the recruiter terminal 10 of the recruiter who has made the application, a request for creation of an application form and other processing is made again.

With this automatic assessment process, for an application that does not meet the conditions that are not set in advance for automatic assessment, the data of the application content is automatically transferred to the securities output process without being assessed by the assessor. As a result, securities can be issued, so that applications that can be automatically assessed can be issued in a short period of time.

In addition, since the contents of the application are checked at the time of creating the application form at the recruiter terminal 10 of the recruiter, the ratio of the applications that can be automatically assessed in the automatic assessment process increases, and With regard to the application for insurance products, it is possible to issue securities with only an automatic assessment process with a considerable probability, and it is possible to increase the efficiency of securities issuance work.

In this embodiment, the automatic assessment process is performed by the automatic assessment server group 11, but the processing equipment for the automatic assessment process may be any device that can perform the above-described automatic assessment process. Such a configuration may be adopted, and if the automatic assessment process can be performed as an additional function of the host computer 12, the above-described automatic assessment process may be performed as the process in the host computer 12.

Further, in this embodiment, the automatic assessment processing in the automatic assessment server group 11 is performed by the input person who scans a form such as an application form and other necessary documents sent from the recruiter by the scanner terminal 13. The recruiter terminal 10 checks whether the application form is self-authored or stamped, and checks whether other necessary documents are available.
When the data of the application form is sent to the automatic assessment server group 11 from, the application performs an automatic assessment process, and in the case of an application in which the automatic assessment process can be performed, after that, the application form and other necessary documents are recruited by the recruiter. When the form was sent,
Check if there is any self-authored / signed form on the application form, and if you have any other necessary documents.
Security issue processing may be performed.

[0049]

As described above, according to the present invention, a plurality of conditions relating to the automatic assessment are set in advance, and the data of the insurance application transmitted from the recruiter terminal are checked according to the plurality of conditions relating to the automatic assessment. As a result, application data is automatically assessed, and as a result of the automatic assessment process, application data that can be automatically assessed is transferred directly to insurance policy issuance processing, so that securities can be issued in a short period of time. It has the effect of being able to.

Further, the conditions of the new contract and the information of the recruiter are set in advance on the recruiter terminal, and when the contents of the insurance application form are entered on the recruiter terminal, the conditions of the new contract and the recruiter are set. Based on the information, the input contents are checked, and if the input contents are checked, if there is no problem with the application contents, the data of the application contents is sent, so the insurance policy issuance processing as it is with the automatic assessment process The ratio of applications to shift to the higher is also high, and for applications for general insurance products, it is possible to issue securities with only an automatic assessment process with a considerable probability, and to increase the efficiency of securities issuance work It has the effect of.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an automatic assessment system according to an embodiment of the present invention.

FIG. 2 is a flowchart showing a check operation in the recruiter terminal 10.

FIG. 3 is a flowchart showing a check operation in the recruiter terminal 10.

FIG. 4 is a diagram showing an example of a screen display on the recruiter terminal 10.

5 is a diagram showing an example of a screen display on the recruiter terminal 10. FIG.

6 is a diagram showing an example of a screen display on the recruiter terminal 10. FIG.

FIG. 7 is a diagram showing an example of a screen display on the recruiter terminal 10.

8 is a diagram showing an example of a screen display on the recruiter terminal 10. FIG.

9 is a diagram showing an example of a screen display on the recruiter terminal 10. FIG.

FIG. 10 is a diagram showing an example of a screen display on the recruiter terminal 10.

11 is a diagram showing an example of a screen display on the recruiter terminal 10. FIG.

FIG. 12 is a flowchart showing an operation of an automatic assessment process on the automatic assessment server group 11 side.

FIG. 13 is a diagram showing an example of a screen display on the assessor terminal 14.

[Explanation of symbols]

 10 Recruiter terminal 11 Automatic assessment processing server group 12 Host computer 13 Scanner terminal 14 Assessor terminal

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 302 G06F 17/60 302E 330 330 340 340 (72) Inventor Takako Amami Marunouchi, Chiyoda-ku, Tokyo 1-Chome 1-3-3 AIG Building American Life Insurance Company

Claims (8)

[Claims] 1. An automatic assessment method for automatically assessing insurance application content designed on a recruiter terminal of a recruiter, comprising: setting a plurality of conditions relating to the automatic assessment in advance; The application content data is checked under the plurality of conditions relating to the automatic assessment, and the application content is automatically assessed. As a result of the automatic assessment process, the application content data that can be automatically assessed is directly issued as insurance policy issuance. An automatic assessment method characterized by shifting to processing. 2. The new contract conditions and the information of the recruiter are set in advance on the recruiter terminal, and when the contents of the insurance application form are input on the recruiter terminal, the new contract conditions are set. 2. An input content is checked based on the information of the recruiter, and when the input content is checked, if the application content has no problem, the data of the application content is transmitted. Automatic assessment method. 3. When performing the automatic assessment process, check the self-signature and seal of the insurance application form and the documents required for the insurance contract sent from the recruiter, and transmit the contents of the application form and the recruiter terminal. 3. The automatic assessment method according to claim 1, wherein an automatic assessment process is performed after comparing the data of the insurance application content that has been executed. 4. A comparison between the contents of the application form and the contents of the insurance application data transmitted from the recruiter terminal is performed by comparing the barcode printed on the application form with the data transmitted from the recruiter terminal. 4. The automatic assessment method according to claim 3, wherein the assessment is performed by comparing the insurance application content with a code in the data. 5. An automatic assessment system for automatically assessing the contents of an insurance application designed on a recruiter terminal of a recruiter, comprising: means for setting a plurality of conditions relating to the automatic assessment in advance; Means for receiving the data of the insurance application content, and the data of the insurance application content transmitted from the recruiter terminal, by checking a plurality of conditions relating to the automatic assessment, perform an automatic assessment process of the application content, Means for automatically transferring the application content data that can be automatically assessed as a result of the automatic assessment process to insurance policy issuance processing. 6. The recruiter terminal comprises: means for setting in advance conditions on the new contract and information on the recruiter; and when inputting the contents of an insurance application form on the recruiter terminal, Means for checking the input content based on the conditions and the information of the recruiter, and transmitting data of the application content when there is no problem in the application content as a result of the input content check. The automatic assessment system according to claim 5, wherein 7. When performing the automatic assessment process, check the self-signing and sealing of the insurance application form and the documents required for the insurance contract sent from the recruiter, and transmit the contents of the application form and the recruiter terminal. 7. The automatic assessment system according to claim 5, wherein the automatic assessment process is executed after the contents of the data of the applied insurance application content are compared. 8. A scanner terminal for taking in an insurance application form and a document necessary for an insurance contract sent from the recruiter, and the data of the contents of the application form and the insurance application transmitted from the recruiter terminal. Is compared with the bar code printed on the application form from the image of the application form taken in by the scanner terminal, the information of the bar code and the insurance application contents transmitted from the recruiter terminal 8. The automatic assessment system according to claim 7, wherein the comparison is performed with a code in the data.