JP2002222319A - System and method for supporting insurance business, computer program and portable information terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide insurance business supporting system/method for speedily estimating (content decision) and re-estimating an insurance contract and to provide a computer program and a portable information terminal. SOLUTION: The system is provided with a control means 4, an insurance contract content deciding table 6 and a contract content data base 8. The control means 4 decides the content of the insurance contract by the insurance contract content deciding table 6 based on an input item when the input item on the insurance contract is received from terminals 70 and 72 and transmits it to the terminals. The control means 4 stores the content of the decided insurance contract in the contract content data base 8, modifies the content of the insurance contract stored in the contract content data base 8 based on a correction instruction when the correction instruction of the specified insurance contract is received from the terminals 70 and 72 and transmits the modified content to the terminals.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance business support system and method for determining the contents of an insurance contract using a computer, a computer program, and a portable information terminal.

[0002]

2. Description of the Related Art In recent years, a system for determining the contents of an insurance contract on a computer based on input items of a user has been developed. In the insurance business support system, for example, in the case of car insurance, the start of the insurance, the name of the car, the desired contract content, and the like are input to determine the corresponding insurance content (insurance premium, etc.).

[0003]

By the way, in the case of the above-mentioned conventional insurance business support system, since the insurance contents must be estimated at the terminal of the insurance agent, the insurance salesperson visits the user's home. There was a problem that the contract contents could not be estimated electronically on the spot. Therefore, when the insurance salesperson visits the user's home, it is not easy to estimate the contract details. Further, even when the contract contents are corrected, the work of re-estimating at the user's house is complicated.

[0004] On the other hand, a service for connecting to the Internet from a mobile phone or the like has been realized. However, there is a limit in the processing capability and the screen display capability of the mobile phone, so that it may be disadvantageous in effective and quick estimation of the contract contents. Furthermore, if the computer processing can be performed not only for the estimation but also for the procedures after the conclusion of the insurance contract, the convenience for both the user and the insurance company will be improved.

The present invention has been made in view of the above problems, and provides an insurance business support system and method, a computer program, and a portable information terminal capable of quickly estimating (determining contents) and re-estimating an insurance contract. The purpose is to do.

[0006]

According to a first aspect of the present invention, there is provided an insurance service support system comprising a control unit, the server system being connectable from a predetermined terminal. Is characterized in that, when an input item related to an insurance contract is received from the terminal, the contents of the insurance contract are determined based on the input item, and the contents of the insurance contract are transmitted to the terminal.

[0007] The insurance business support system according to claim 2 comprises:
A storage unit for storing in advance the type of insurance contract according to the input item, wherein the control unit determines the contents of a predetermined type of insurance contract based on the storage unit.

[0008] The insurance business support system according to claim 3 comprises:
The information processing apparatus further includes a database that stores the determined insurance contract content, wherein the control unit, when receiving a specific insurance contract correction instruction from the terminal, based on the correction instruction, the corresponding insurance contract content. Is re-determined, and the content of the re-determined insurance contract is transmitted to the terminal.

[0009] Preferably, the correction instruction is related to the term of the applicable insurance contract. It is preferable that the contents of the insurance contract include an insurance premium.

In the insurance business support system according to claim 6, when the control means receives contract approval information on the insurance contract from the terminal, it assigns a policy number to the insurance contract and issues an insurance policy. The insurance policy issuance instruction information including the contents of the insurance contract and the security number is transmitted to the institution.

[0011] It is preferable that the control means, when receiving the notice of the insurance premium payment of the insurance contract from a predetermined clearing house, assigns the security number and transmits the insurance policy issuance instruction information.

[0012] In the insurance business support system according to claim 8, the terminal is a portable information terminal having a computer program for displaying a screen on a screen of the terminal, and the control means relates to the contents of the insurance contract. Only the numerical information is transmitted to the terminal, and the numerical information is displayed by being superimposed on a screen displayed by the computer program.

[0013] According to a ninth aspect of the present invention, in the insurance business support method, when the input item is received from the terminal in the previous period, the step of determining the contents of the insurance contract based on the input item is performed. Transmitting to the terminal.

[0014] A computer program according to claim 10 is a step of, when receiving the input item from the terminal in the previous term, determining the contents of the insurance contract based on the input item, and transmitting the contents of the insurance contract to the terminal. And causing the computer to execute the transmitting step.

[0015] A portable information terminal according to claim 11, further comprising a computer program for displaying a screen on a screen of the terminal, wherein when connected to the insurance business support system, numerical information relating to the contents of the insurance contract is transmitted from control means to the insurance program. Only the numerical information is received, and the numerical information is superimposed and displayed on a screen displayed by the computer program.

[0016]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is an insurance business support system of the present invention (hereinafter referred to as “this system” as appropriate))
FIG. 3 is a configuration block diagram illustrating an embodiment of the present invention. The system 50 includes an input / output control unit 2 for transmitting and receiving information to and from the network 100, a control unit 4 for controlling the entire system, an insurance contract content determination table (storage unit) 6, a contract content database 8, and a user information database 10. Reserved and managed by the insurance company. The control means 4 can be realized as a central processing unit of a server system constituting the present system, and the present system constitutes a Web site.

The system 50 is connected to a plurality of terminals 70, 72 via a network 100. Here, the terminals 70 and 72 are connected to PDA (Pe
rsonal Digital Assistants (Personal Information Equipment). Each of the terminals 70 and 72 includes a predetermined input unit, a display unit (screen), and a computer program (application) for displaying a screen on the screen of the terminal.
And a browser capable of appropriately browsing a Web page is installed. The terminals 70 and 72 also have a wireless communication function, and are connected to the network 100 via the mobile communication network 110. Note that the terminals 70 and 72 may be mobile phones that can be connected to the Internet or so-called laptop personal computers. Network 1
For 00, instead of the Internet, a dedicated line,
LAN (Local Area Network), WAN (Wide Area Ne)
twork) or the like may be used. In addition, the terminals 70 and 72 may be owned by the user.

The system 50 also includes dedicated lines 32, 4
2 are connected to a settlement institution 30 and an office center (insurance issuer) 40, respectively. The settlement institution 30
When making an insurance contract, it is determined whether or not a user can request a settlement. The office center 40 receives the information transmitted from the system 50 and issues an insurance policy and sends it to the user based on the information.

In the present system 50, the insurance contract content determination table 6 stores a formula for calculating the content of the insurance contract corresponding to a predetermined input item. For example, in the car insurance, the contents of the insurance contract and the formula for calculating the insurance premium according to the vehicle type, the age of the insured person, etc., which are input items, are defined in the table 6, and the control means 4
Determine insurance contract contents based on this Table 6 (estimate)
It is supposed to.

The contract contents database 8 stores the insurance contract contents estimated as described above for each user. When there is an instruction to modify the insurance contract contents, predetermined insurance contract contents are extracted from the contract contents database 8 as appropriate.

The user information database 10 stores user attributes such as authentication information, payment information, and address of a user who accesses the system 50, and is used for authentication processing as to whether the user is a legitimate user.

Next, a processing flow in the insurance business support system 50, the terminal 70, the settlement institution 30, and the office center 40 will be described with reference to FIGS. In the following description, the operation of the terminal 70 is performed by the insurance salesperson while facing the user, but may be performed directly by the user.

First, a normal estimate of an insurance contract will be described with reference to FIG. The insurance sales clerk sends the address (URL: Uniform Resource Locato) of this system from the terminal 70.
r) to access the system 50 and enter the user I
The user code and password are input as D (authentication information) (step S200).

The control means 4 of the present system performs an authentication process as to whether the input user ID is registered in the user information database (DB) 10 (step S30).
0) If the user is recognized as a legitimate user, predetermined menu screen information is transmitted to the terminal 70 (step S310). The menu screen information includes only numerical data (parameters) necessary to compose the menu screen, and the screen itself is generated in the terminal by a computer program provided in the terminal 70. The screen is superimposed and displayed on the terminal. The same applies to the transmission of other screen information below. As a result, the exchange of information and the communication cost between the system 50 and the terminal 70 are reduced, and it is possible to promptly present an estimate or the like of the insurance contract contents to the user.

Next, the insurance salesperson transmits a menu selection (in this case, a normal estimate) via the terminal 70 according to the user's request (step S210).
The information on the item input screen used for normal quotation
(Step S320). The insurance salesperson transmits the input items via the terminal 70 according to the user's instruction (step S220).

Next, the control means 4 determines the insurance contract content corresponding to the received input item based on the insurance contract content determination table 6, and transmits it to the terminal 70 (step S32).
5). The user browses the contents of the insurance contract displayed on the terminal 70, and makes a storage request from the terminal 70 as necessary (step S230). Then, the control means 4 stores the requested insurance contract content for each user (for example, user ID
Each time) (step S)
330).

Next, re-determination (estimation) when the content of the saved insurance contract is corrected will be described with reference to FIG. Since the access to the system and the user authentication process are the same as described above, the same reference numerals (step S20) are used.
0, S300, S310), and the description is omitted.

Here, the insurance salesperson selects a menu via the terminal 70 according to the user's request (in this case, correction).
Is transmitted (step S211), the control unit 4 searches the list of insurance contracts stored for each user from the contract content DB 8, and transmits the list to the terminal 70 (step S340). The insurance salesperson selects (designates) and transmits an insurance contract to be modified via the terminal 70 according to the user's instruction (step S240). Then, the control means 4 transmits the contents of the selected insurance contract to the terminal 70 (step S35).
0).

According to the user's instruction, the insurance salesperson transmits a predetermined correction instruction to the contents of the insurance contract via the terminal 70 (step S250). The control means 4 re-determines (re-estimates) the contents of the insurance contract in accordance with the received correction instruction based on the insurance contract contents determination table 6, and
0 (step S360). The user can use the terminal 7
The user browses the modified insurance contract content displayed at 0 and makes a storage request similar to that of FIG.

Next, a case where a contract is made for the estimated insurance contract will be described with reference to FIG. The process of accessing the system and authenticating the user is the same as described above, and is not shown.

Here, the contents of a predetermined insurance contract are displayed on the screen of the terminal 70 (step S260).
The user browses the contents of the displayed insurance contract and, if satisfied with the contents, transmits a notice of contract approval from the terminal 70 (step S270). The control means 4 transmits the information on the insurance premium payment screen to the terminal
(Step S370).

An insurance payment screen is displayed on the screen of the terminal 70, and the user inputs payment information (for example, a card number of a payment account held by the user, user authentication information, a transfer amount, etc.) necessary for insurance payment. 70 (Step S
280). The control means 4 transmits the received payment information to the payment institution 30 and inquires whether payment is possible (step S).
380). The settlement institution 30 checks whether the transmitted card number or the like is legitimate, compares the transfer amount with the balance of the user's account, determines whether settlement is possible, and transmits the settlement to the system 50 ( Step S500).

When the control means 4 receives the information indicating that settlement is possible, it assigns a security number to this insurance contract (step S390), and transmits the number and the contents of the insurance contract to the office center 40 (step S390). Step S395).

The office center 40 receives the information transmitted in step S395 (step S600), and performs (offline) the issuance of the insurance policy and the dispatch (mailing) to the user based on the information. The insurance premium is appropriately transferred from the user's account to the insurance company via the settlement institution 30.

Next, a case where a continuation contract of an insurance contract is made will be described with reference to FIG. Since access to the system and user authentication processing are the same as those described above, FIG.
(S200, S300, S310)
And the description is omitted.

Here, the insurance salesperson selects a menu via the terminal 70 according to the user's request (in this case, continues).
do. The continuation menu is followed by a screen for entering the security number of the target insurance contract.
A security number is input via the "0" (step S290).
The control means 4 searches an insurance contract corresponding to the inputted security number from a predetermined database, calculates an insurance premium when the contents of the contract are the same, and transmits it to the terminal 70 together with the contents of the contract (step S397). The user browses the contents of the insurance contract displayed on the terminal 70, gives an instruction to correct the contents if necessary, and makes a contract similar to that of FIG.

Next, examples of screen display on the terminal 70 in each of the above processing flows are shown in FIGS. First, in FIG. 6, the insurance salesperson operates the initial screen 1000 of the terminal 70.
The "Car tariff" button 1000a for accessing this system is selected. On the initial screen 1000, start buttons (eg, “address”, “To Do”,
"Notepad" ... etc. are displayed.

FIG. 7 shows a screen 1100 for inputting user authentication information when accessing the present system. The insurance sales clerk enters the user's user code and password in the text boxes 1100a and 1100b, respectively.
The “send” button 1100c is pressed.

Next, a menu screen 1200 showing a list of services that can be provided by the present system is displayed on the terminal 70 (FIG. 8). Here, the <standard> button 1200a gives a normal estimate instruction (corresponding to the flow in FIG. 2), and the <estimated data list> button 1200b gives an instruction to display a contract list stored in the contract content database 8 (FIG. 3).
, A <Response to Continuation Contract> button 1200c is used to issue an instruction to continue the insurance contract (corresponding to the flow in FIG. 5), and the <Transfer> button 1200d is used to issue a correction instruction (equivalent to the flow in FIG. 3). To do.

First, FIGS. 9 to 13 show examples of screen transition when the <standard> button 1200a is selected. The insurance sales clerk inputs predetermined input items 1300a and 1400b on the item input screens 1300 and 1400, and selects an "input completed" button 1400b (FIGS. 9 and 10). Then, the contents of the insurance contract determined according to the input items are
These are displayed on screens 1500, 1600 and 1700, respectively (FIGS. 11 to 13).

Here, each screen 1500, 1600, 170
0 indicates different types of insurance contract contents (recommended contracts) 1500a, 16a, which are determined according to the input items.
00a and 1700a are displayed. In other words, the insurance contract type determination table 6 of the present system prescribes insurance contracts of a type corresponding to the input items, and the control means 4 determines a predetermined type of insurance contract and its contents based on this. . For example, in the above case, the contents of different types of insurance contracts of patterns A, B, and C (with different insurance application conditions) are determined. In each of the screens 1500, 1600, and 1700, a “Modify” button 1500b to 170
0b, "Save" button 1500c for saving contract details
~ 1700c, button 15 for displaying another screen
00d to 1700d are arranged.

FIG. 14 shows the "correct" button 1500b.
13 shows a correction screen 1800 in a case where 1700b is selected, and the user performs a predetermined correction input to the correction input item 1800a. Here, button 1800b
Is a button for displaying the previous or next correction screen, and by selecting the “estimate” button 1800c,
Re-determination of insurance contract contents (recalculation of insurance premium, etc.) reflecting the correction instruction is performed. "Search vehicle" button 1800
The function of d will be described later.

Next, <Estimated data list> button 1200
FIG. 15 shows a screen when b is selected. In the trial calculation data list screen 1900, a list of insurance contracts that have been trially calculated (determined) by this user is listed in a display column 1900a. Here, a predetermined insurance contract (“estimated NO“ 1002 ”in the figure) is selected, the period of the insurance contract (start or end) is re-entered in the text box 1900b, and the“ OK ”button 1900c
When is selected, the content (insurance, etc.) based on it is determined again.

Next, FIGS. 16 to 18 show screen transition examples when the <transfer> button 1200d is selected. The user enters the entry field 2000a on the transfer contract designation screen 2000.
By inputting a security number and the like and selecting an "OK" button 2000b, an insurance contract to be transferred (modified) is specified (FIG. 16). Further, on the next screen 2100, a specific transfer item (correction item) is displayed in the input field 2100a.
Is input, and the "trial" button 2100b is selected to redetermine (reestimate) the contents of the insurance contract to be transferred (modified) (FIG. 17). The recalculated result is displayed on the screen 2200, and the increase or decrease of the insurance premium is displayed in the display column 2 for each item.
200a (FIG. 18).

Next, the function of the "vehicle search" button 1800d in FIG. 14 will be described. This function is for searching for the name and model of a vehicle necessary for determining the contents of a contract for vehicle insurance (automobile insurance). Then, when the button 1800d is selected, the vehicle search screen 2 shown in FIG.
300 is displayed. Here, when the manufacturer and the vehicle name of the vehicle are known but the model is unknown, a predetermined item is input in the input field 2300a and a "search" button 2300c is selected. On the other hand, when the model is known but the vehicle name is unknown, a predetermined item is entered in the input field 2300b and a "search" button 2
Select 300d. FIG. 20 shows a model search result screen 2400 when an item is input in the input field 2300a.
A list of models corresponding to the case of the manufacturer “XX automobile” and the vehicle name “XX” is displayed in the display column 2400a. Here, by selecting a desired model and selecting an “OK” button 2400b, a trial calculation process is performed. Progresses.

The present invention is not limited to the above embodiment. For example, the insurance contract is not limited to vehicle insurance, and may be another insurance (life insurance or the like).

The insurance business support system of the present invention can be realized by a computer, various peripheral devices such as a communication device, and a software program operated by the computer. This software program can be distributed via a computer-readable storage medium or a communication line.

[0048]

As described above, according to the first aspect of the present invention, the contents of an insurance contract corresponding to a predetermined input item can be presented to a terminal. According to the second aspect of the present invention, the contents of a predetermined type of insurance contract are presented to the terminal according to the input items, so that the insurance contract recommended by the insurance company can be introduced to the user, and the contract promotion and the like can be performed. There are advantages. According to the third aspect of the present invention, the contents of the presented insurance contract are stored, and when the user issues a correction instruction, the contents of the stored insurance contract are re-determined and presented to the terminal. In this case, only the correction portion needs to be determined again, and the processing speeds up. According to the present invention according to claim 6, a policy number is assigned in response to the receipt of the contract approval information from the terminal, and the policy is issued based on the policy number. Insurance can be used immediately for users. According to the present invention according to claim 7, a security number is assigned according to whether or not settlement by a predetermined settlement institution is possible,
Because securities are issued, insurance premiums can be collected reliably. According to the present invention according to claim 8, only the numerical information is transmitted from the present system to the terminal, and the screen itself is generated in the terminal by a computer program provided in the terminal,
Since this computer program superimposes the numerical information and the screen on the terminal and displays it on the terminal, information exchange and communication costs between the present system and the terminal are reduced, and the user can quickly estimate the insurance contract contents and the like. It can be presented.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an insurance business support system according to the present invention.

FIG. 2 is a diagram showing a processing flow among the present system, a terminal, a settlement institution, and an office center.

FIG. 3 is another diagram showing a processing flow among the present system, a terminal, a settlement institution, and an office center.

FIG. 4 is yet another diagram showing a processing flow among the present system, a terminal, a settlement institution, and an office center.

FIG. 5 is another diagram showing a processing flow among the present system, a terminal, a settlement institution, and an office center.

FIG. 6 is a diagram illustrating an example of a screen display on a terminal.

FIG. 7 is a view following FIG. 6;

FIG. 8 is a view following FIG. 7;

FIG. 9 is a view following FIG. 8;

FIG. 10 is a view following FIG. 9;

FIG. 11 is a diagram following FIG. 10;

FIG. 12 is another diagram following FIG. 10;

FIG. 13 is still another diagram following FIG. 10;

FIG. 14 is another diagram following FIG. 8;

FIG. 15 is still another view following FIG. 8;

FIG. 16 is another view subsequent to FIG. 8;

FIG. 17 is a view following FIG. 16;

FIG. 18 is a view following FIG. 17;

FIG. 19 is a view following FIG. 14;

FIG. 20 is a view following FIG. 19;

[Explanation of symbols]

4 control means 6 insurance contract content determination table (storage means) 8 contract content database 30 settlement agency 40 insurance policy issuing agency (office center) 50 insurance business support system 70, 72 terminal 100 network 110 mobile communication network

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) The inventor, Kimi Shirakura 3-25-3 Yoyogi, Shibuya-ku, Tokyo Daitokyo Fire & Marine Insurance Co., Ltd. (72) The inventor Nobutaka Mitsuoka 2-2, Otemachi, Chiyoda-ku, Tokyo 2. Urbannet Otemachi Building Inside NTMI Corporation (72) Inventor Toshiya Nagasaki 2-2-2 Otemachi, Chiyoda-ku, Tokyo Urbannet Otemachi Building Inside NTMI Corporation

Claims (11)

[Claims] 1. A server system comprising a control means and connectable from a predetermined terminal, wherein the control means, when receiving an input item related to an insurance contract from the terminal, performs the insurance based on the input item. An insurance business support system, wherein the contents of the insurance contract are determined and the contents of the insurance contract are transmitted to the terminal. 2. A storage unit for storing in advance a type of insurance contract corresponding to the input item, wherein the control unit determines the contents of a predetermined type of insurance contract based on the storage unit. Claim 1.
Insurance business support system described in. 3. The system according to claim 2, further comprising: a database storing the contents of the determined insurance contract, wherein the control unit responds to a modification instruction of the specific insurance contract from the terminal based on the modification instruction. The insurance business support system according to claim 1 or 2, wherein the contents of the insurance contract to be re-determined are transmitted, and the contents of the re-determined insurance contract are transmitted to the terminal. 4. The insurance business support system according to claim 3, wherein the correction instruction is related to a period of a corresponding insurance contract. 5. The insurance business support system according to claim 1, wherein the insurance contract includes an insurance premium. 6. The control means, when receiving policy approval information on the insurance contract from the terminal, assigns a policy number to the insurance policy, and provides the insurance policy issuing organization with the contents of the insurance policy. The insurance business support system according to any one of claims 1 to 5, wherein insurance policy issuance instruction information including the policy number is transmitted. 7. The method according to claim 1, wherein the control unit assigns the security number and transmits the insurance policy issuance instruction information when the insurance policy is received from a predetermined clearing house. The insurance business support system according to claim 6, characterized in that: 8. The terminal is a portable information terminal having a computer program for displaying a screen on a screen of the terminal, wherein the control means transmits only numerical information relating to the contents of the insurance contract to the terminal. The insurance business support system according to any one of claims 1 to 7, wherein the numerical information is displayed so as to be superimposed on a screen displayed by the computer program. 9. When receiving an input item related to an insurance contract from a predetermined terminal, determining the contents of the insurance contract based on the input item; and transmitting the contents of the insurance contract to the terminal. An insurance business support method comprising: 10. When receiving an input item relating to an insurance contract from a predetermined terminal, a step of determining the contents of the insurance contract based on the input item, and a step of transmitting the contents of the insurance contract to the terminal. A computer program for causing a computer to execute the following. 11. A portable information terminal used for the insurance business support system according to claim 8, comprising a computer program for displaying a screen on a screen of the terminal, wherein the mobile information terminal is connected to the insurance business support system. A portable information terminal that receives only numerical information relating to the contents of the insurance contract from control means and displays the numerical information in a manner superimposed on a screen displayed by the computer program.