JP2002269360A - Insurance contract system, insurance contract method, insurance contract server, and insurance contract terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a customer to prepare properly against a risk having a limited period by buying an insurance commodity suitable for the kind of the risk as long as an optional insurance period. SOLUTION: Premium is adjusted by a premium adjustment control part 25 of a server 10 based on the insurance commodity inputted into an insurance commodity input screen 30 from a user terminal 50 by the customer and the insurance period inputted into an insurance period screen 32.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance contract system using a computer, and more particularly, to an insurance contract system which enables the contents and period of insurance to be set according to the wishes of a customer.

[0002]

2. Description of the Related Art At present, life insurance and non-life insurance sold by a life insurance company or a non-life insurance company conclude a contract with a predetermined security period. On the other hand, there are various risks to be prepared by taking out insurance, but the degree of the risk often changes according to the time. At present, it is necessary to conclude a contract for each period and pay insurance premiums in order to prepare for such time-varying risks.

[0003] However, in a case where the risk suddenly increases, there may be a case where the insurance application procedure cannot be completed in time or the insurance payment becomes difficult and the insurance cannot be enrolled. If the period during which insurance is required is not clear, insurance may be prepared during unnecessary periods to cause waste.

[0004] Examples of such risks include, for example,
For ski hobby customers, the risk of injury is higher in winter than in summer, and more particularly, if you ski on weekends, the risk is particularly high only on weekends. As an example of insurance type, golfer insurance, for example, guarantees injury or hole-in-one while playing golf, but there is obviously no need for security on weekdays when golf is not played. However, when actually preparing for security, insurance is set for a period such as one year. There are many such risks and types of insurance, and there is no shortage.

[0005] At present, it is difficult to obtain such insurance because, even if there is a sudden risk,
This is because the administrative procedures and payment of insurance premiums cannot be made in time, the time to cover the insurance period is not known at first, or the insurance company's affairs such as issuing insurance policies and recording insurance information are not available.

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and has an insurance contract system, an insurance contract method, an insurance contract server, and a terminal capable of easily and quickly subscribing to necessary insurance for a required period. It is intended to provide.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention relates to an insurance contract system for registering an insurance contract by inputting and setting predetermined items relating to insurance by a customer. An insurance contract system comprising: an insurance period setting unit capable of arbitrarily inputting and setting items relating to a period; and a management unit for managing insurance for the period set by the insurance period setting unit. Things.

According to such a configuration, an insurance period can be arbitrarily set and provided for a risk that occurs suddenly or a risk that increases with time. In addition, the customer can register the insurance contract by inputting predetermined items for specifying the insurance period, such as the insurance type and the security content, in accordance with the risk to be prepared.

Further, the insurance contract system according to the present invention is characterized in that the insurance contract system is provided with insurance content setting means for inputting and setting items relating to the insurance content.

[0010] According to such a configuration, the customer can set the insurance content in accordance with the risk he or she is facing.

Further, the insurance contract system according to the present invention is characterized in that the insurance contract system includes an insurance rate calculating means for calculating an insurance rate based on the insurance period and the insurance content.

According to such a configuration, the customer can arbitrarily prepare the set insurance content only for a necessary period and pay the insurance premium calculated based on the insurance period and the insurance content. You can get insurance without waste.

[0013] Further, in the insurance contract system according to the present invention, the items related to the insurance content include items related to the insurance type and the security content.

According to such a configuration, the customer can first select an insurance type corresponding to the risk to be prepared, and can further select the most suitable security content from the selected insurance types. However, it is of course possible to directly select necessary security contents without selecting the insurance type.

In the insurance contract system according to the present invention, the insurance content setting means includes an insurance type presenting means for presenting an insurance type, and an insurance type setting means for selecting and setting an arbitrary insurance type from the presented insurance types. A security content presenting means for presenting the security content for the selected and set insurance type; and a security content setting means for selecting and setting an arbitrary security content from the presented security content.

According to such a configuration, the customer can easily select and subscribe to the insurance he or she wants to subscribe to. For example, if a customer playing golf wants to purchase the necessary insurance, first select "Leisure and sports security" from a plurality of insurance types presented, and then ski and tennis included in the insurance type. For example, "golf insurance" can be selected from many security contents, and specific security contents such as the amount of security can be selected.

The insurance contract system according to the present invention is characterized in that the insurance period is set continuously or intermittently.

According to such a configuration, the customer can arbitrarily input and set the date and time of insurance start and insurance stop and input and set the insurance period continuously, or first input and set the date and time of insurance start. Thereafter, the insurance can be interrupted when the security is no longer needed, and the insurance is restarted when the security is needed again, so that the insurance period can be set intermittently. Since the insurance period can be input or set continuously or intermittently, the customer can determine an insurance period suitable for the risk to be provided.

Further, in the insurance contract system according to the present invention, the insurance period setting means includes means for allowing a customer to input a start and stop of the insurance period or a restart and an interruption of the insurance period one by one. And

According to such a configuration, when inputting and setting the insurance period, the customer instructs the start of the insurance period at the time when the security is required. Thus, the insurance period can be interrupted, the insurance can be restarted when security is required again, and the insurance can be stopped when security is no longer needed. The customer can flexibly instruct the insurance period according to the risk to be prepared, so that the security can be prepared only for the period that is really needed.

In the insurance contract system according to the present invention, when there is an instruction to start or restart the insurance period, the insurance period setting means sets the insurance period from a time when a predetermined time has elapsed from the time when the instruction was received. It is characterized by doing.

According to such a configuration, when an instruction to start insurance or an instruction to restart insurance is given, for example, 2
By performing the guarantee from a time when a predetermined time has elapsed, such as four hours later, it becomes easy to confirm whether or not the accident to be covered has occurred within the insurance period.

Further, the insurance contract system according to the present invention further comprises insurance rate setting means for inputting and setting items relating to the insurance rate, and insurance based on the insurance rate input and set by the insurance rate setting means. The present invention is characterized by comprising insurance period correction means for correcting a period.

According to such a configuration, the customer can preliminarily input and set the insurance fee to be spent on the security content input and set. Furthermore, the insurance period can be modified to a period that can be continued with the set insurance fee.

Further, in the insurance contract system according to the present invention, the management means for managing the insurance includes insurance rate settlement means for adjusting the insurance rate.

According to such a configuration, the customer who has input and set the security content can apply the insurance fee which has been input and set in advance to the insurance fee corresponding to the actually set insurance period and settle it.

In the insurance contract system according to the present invention, there is provided a contract information storage means for storing an insurance product which has already been subscribed to by the customer and which has the reserve fund and the security portion as independent components. The insurance fee settlement means is characterized in that a portion of the reserve is applied to an insurance contract to be contracted as a premium source, and the remaining amount is transferred to the reserve for the insurance product.

According to such a configuration, the customer uses the reserve fund of the insurance product (hereinafter referred to as universal insurance, etc.) having the insurance fund which has already subscribed and the insurance portion as independent components. Thus, it is possible to appropriately adjust the insurance premium to be contracted. In other words, if a subscriber of universal insurance or the like subscribes to the insurance content selected according to the risk for the required insurance period separately from the insurance that has already been subscribed, the insurance premium will be guided to the customer to collect money or from the bank account. It is possible to use a portion of the reserve fund, such as universal insurance, as an insurance premium, without incurring the administrative burden of transferring and paying. In this case, if there is a balance remaining in the insurance premium resources after the insurance premium has been allocated, the balance is transferred to the reserve and the settlement is completed.

Further, in the insurance contract system according to the present invention, the transfer of the reserve to the insurance premium by the insurance fee settlement means is executed at the time of setting the insurance contract.

According to such a configuration, since the customer transfers the reserve fund to the insurance premium when setting the insurance contract, the insurance premium can be reliably settled. For example, in the case of universal insurance, etc., it is normal for customers to freely withdraw their reserves, so if the reserves are not transferred to insurance premiums at the time of setting up the insurance contract, between the time the insurance contract is set and the insurance period stops, In some cases, the customer withdraws the reserve and cannot pay the insurance premium reliably. According to the present invention, the occurrence of such a situation is prevented, and the settlement of the insurance premium is made possible.

Further, in the insurance contract system according to the present invention, the management means for managing the insurance is configured such that when the period obtained by subtracting a predetermined time from the insurance period that can be maintained by insurance premiums from the start of the insurance, the contract starts. The present invention is characterized in that it includes means for displaying an insurance period that can be extended if the predetermined range of the reserve fund stored in the information storage unit is used as an insurance premium.

According to such a configuration, it is possible for the customer to prevent the security from being broken when the risk continues for a longer period than originally expected. From the insurance period that can be maintained with the premium resources originally transferred from the start of insurance, for example, 24
When a period obtained by subtracting a predetermined time, such as time, has elapsed, the customer can select whether or not to continue the security. Further, at that time, if a predetermined range of the reserve for universal insurance or the like is used as an insurance premium, a period that can be continued is displayed, which is a guide for the customer. The predetermined range of the reserve is prescribed in advance, for example, such as an amount obtained by subtracting premiums such as universal insurance from the reserve. This is because if the entire reserve is used as insurance premium resources, universal insurance or the like may not be able to be maintained.

Further, the insurance contract system according to the present invention is provided with a means for presenting the contents of security which can be subscribed to the insurance contract fund stored in the contract information storage means within a predetermined range of the insurance contract fund. It is characterized by the following.

According to such a configuration, the customer can input and set the security contents that can be reliably prepared when the reserve fund such as the universal insurance is used as the insurance premium. The predetermined range of the reserve is, for example, an amount obtained by subtracting premiums such as universal insurance from the reserve.

Further, in the insurance contract system according to the present invention, furthermore, the insurance period per unit period of the proposed insurance and the insurance period that can be continued when the amount of the reserve in a predetermined range is used as the source of the insurance premium are set. It is characterized by having means for calculating and presenting.

According to such a configuration, the customer can check the insurance premium for each unit period of insurance and the customer can check the insurance period that can be continued with the transferable premium resources, and input and set the details of the insurance and the insurance period. You can use this as a guide. The suggested premium per unit period of insurance is, for example, the premium per hour, per day, or per month.

Further, in the insurance contract system according to the present invention, the insurance period and the premium contribution presented by the means for calculating and presenting the continuable insurance period can be changed by input instructions. .

According to such a configuration, the customer can freely set the premium resources and the insurance period up to the premium resources that can be transferred from the universal insurance and the like and the insurance period that can be continued with the premium resources. Can be. As a result, even if the customer forgets to set the suspension of the insurance, the insurance does not continue more than necessary.

As an example of an instruction for inputting insurance premiums, for example, if the insurance content is selected as accident insurance, the following may be obtained: insurance premiums 57000 yen security details death insurance 10 million yen disability benefits 300,000-10 million yen hospitalization benefits Fri 5000 yen per day Premium unit: 50 yen per day Insurance period 1000 days "is displayed. Here, as the insurance premium source, first, an amount that can be transferred from the reserve fund is displayed.

The source of the displayed premium is, for example, 3, 5
If you enter 00 yen and change it, you will receive the following: “Insurance funding 3500 yen Security coverage Death insurance 10 million yen Disability benefit 300,000 to 10 million yen Hospitalization benefit 5000 yen per day Insurance premium Unit: 50 yen per day Insurance Period 70 days "is displayed. Here, the insurance period is recalculated and displayed as 70 days. Note that the insurance period may be calculated by inputting insurance premium resources, or vice versa.

In the insurance contract system according to the present invention, the management means for managing insurance assigns a product identification number for identifying a contracted insurance product and manages the contract insurance based on the product identification number. It is characterized by.

According to such a configuration, the customer can input and set the insurance period using the identification number without misidentifying the newly subscribed insurance contract. Once the security content is set, insurance can be managed using the identification number, which is convenient for customers. Also, even when subscribing to a plurality of insurance products, an identification number can be assigned to each insurance product to easily distinguish it.

Further, in the insurance contract method according to the present invention, the insurance contract is registered by inputting and setting predetermined items relating to the insurance by the customer. The method is characterized by comprising a step of selecting and inputting, and a step of continuously or intermittently setting an insurance period for the selected and input security content.

According to such a method, it is possible to prepare necessary insurance for the risk to be provided for a required period.

Further, in the insurance contract system according to the present invention, by inputting and setting predetermined items relating to insurance by the customer, the items relating to the insurance fee are input and set in the insurance contract system in which the insurance contract is registered. It is characterized by comprising insurance content setting means capable of performing the following.

According to such a configuration, necessary security can be prepared as long as the insurance premium is payable.

Further, the insurance contract system according to the present invention is characterized in that an insurance period calculating means for calculating an effective insurance period based on the insurance fee and the insurance content is provided.

According to such a configuration, it is possible to confirm how long the insurance can be continued when the necessary insurance is enrolled, with payable insurance premiums.

In the insurance contract system according to the present invention, the insurance product input screen for inputting and setting the security content and the insurance period for the security content input on the insurance product input screen are continuously or intermittently set. A server for transmitting an insurance period screen for setting, connected to the server via a communication line, displaying the insurance product input screen and the insurance period screen transmitted by the server, A terminal for transmitting the contents and the insurance period to the server is provided.

According to such a configuration, a customer in a remote place can prepare necessary insurance for a necessary risk for a required period.

The insurance contract server according to the present invention comprises:
Connected to the terminal via a communication line, the insurance product input screen for inputting and setting the security content is displayed on the terminal, and when the security content input and set is received from the terminal, the insurance for the security content is received. An insurance period screen for setting the period continuously or intermittently is displayed on the terminal.

According to such a configuration, it is possible to provide insurance optimal for risks provided to remote customers, and to provide a means for customers to arbitrarily set an insurance period according to risks. .

The insurance contract terminal according to the present invention is connected to a server for registering and managing insurance through a communication line, inputs and sets the contents of the insurance to be subscribed, and continuously sets the insurance period for the insurance. The setting is made periodically or intermittently and transmitted to the server.

According to such a configuration, it is possible to subscribe to the insurance most suitable for the risk provided by the remote customer, and furthermore, it is possible to arbitrarily set the insurance period according to the risk.

[0055]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below in detail with reference to the drawings. In the present embodiment, an insurance company publishes a site related to insurance on the Internet, and a customer accesses the site and enters necessary items to join an insurance product.

FIG. 1 is a block diagram conceptually showing a configuration of an insurance premium settlement system according to an embodiment of the present invention.
In this system, an insurance company server 10 and a user terminal 50 of an insurance subscriber (customer) are connected to the Internet 4
0. The server 10 includes a contract information storage unit 22 that stores information about insurance contracts that the customer has already subscribed to, a product information storage unit 21 that stores information about insurance products handled by the insurance company, and a customer newly subscribing. The system includes an input information storage unit 24 that stores contents input as products and an insurance period calculation unit 25 that calculates an insurance period in accordance with a customer's input. Further, the server 10 includes an insurance settlement controller 20 that calculates and adjusts the insurance premium based on the insurance period calculated by the insurance period calculator 25 and the insurance products and premium resources stored in the input information storage 24. An insurance product proposal unit 23 for proposing an insurance product based on the reserve fund balance of an insurance contract of a customer already stored in the contract information storage unit 22 and product information stored in the product information storage unit. .

The site displayed by the server 10 on the user terminal 50 has an insurance product input screen as a screen for inputting an insurance product to be newly enrolled based on the insurance proposal made by the insurance product proposal unit 23 together with the insurance premium or insurance period. Screen 30, a security content display screen for displaying the total security content based on the insurance contract stored in the contract information storage unit 22 and the information of the insurance product newly added by the customer stored in the input information storage unit The insurance period calculator 32 calculates the insurance period by using an insurance period screen 32 on which the customer inputs an insurance period.

FIG. 2 is a flowchart showing an example of the operation of the present system. First, a customer accesses a life insurance company site via the Internet 40 using the user terminal 50. First, the customer is authenticated with the policyholder number of the insurance contract that has already been subscribed and the personal identification number registered in advance (S100), and selects an insurance type (S101).

The insurance type is a category of insurance products suitable for preparing for the risk that has occurred, and each category usually includes a plurality of insurance products. The insurance type is selected on the screen as shown in FIG. 3, and the customer clicks the button of the corresponding insurance type. Here, "Disaster
It is assumed that an insurance type for preparing for “injury” (61) is selected.

When the insurance type is selected, the insurance product proposal unit 23 obtains the product information on the insurance product included in the insurance type from the product information storage unit 21 and obtains the customer's funding amount from the contract information storage unit 23. The information is acquired, and an insurance product proposal is made in which a predetermined range of the reserve fund can be used as an insurance premium source (S102).

FIG. 4 is a screen image of insurance content of insurance products included in the category of insurance type provided for “disaster / injury”. Click the insurance product button to select it. Here, it is assumed that “accident insurance” (62) is selected. In this figure, the mark ○ indicates that the object is guaranteed and the mark X indicates that the object is not guaranteed. The unit period means that “month” means that insurance premium is calculated in units of months, “day” is calculated in units of days, and “hour” is calculated in units of hours.

FIG. 5 shows “injury insurance”, which proposes an insurance product in which a predetermined range of the reserve fund can be used as an insurance premium. The proposals will be implemented within a range of premium resources, and general and average proposals will be implemented. The customer clicks and selects a proposal plan button, and then inputs insurance premium resources or an insurance period to determine an insurance product to join (S10).
3). In this case, the “plan” (63) is selected, and then the insurance premium source (64) in the predetermined range of the reserve fund is “17,
It is assumed that "3,000 yen" is changed and input to "3,000 yen".

When the insurance product is determined, the transfer from the reserve fund stored in the input information storage unit 24 and stored in the contract information storage unit 22 to the insurance premium source is performed. Further, the insurance product proposal unit 23 assigns an identification number to the determined insurance product (S104). The identification number (65) is given on the screen as shown in FIG.

FIGS. 3 to 6 show an insurance product input screen 3.
It is an example of 0.

The user terminal accesses the insurance period screen 32 using the identification number (65). The insurance period screen is a screen as shown in FIG. Here, it is possible to select whether to “specify the due date in advance” or to click any one of the insurance start button, the insurance suspension button, the insurance restart button, and the insurance stop button.

In the case of “designating a due date in advance” (66), the insurance period calculation unit 25 calculates the insurance period by adding up a plurality of dates and times designated as insurance start, insurance suspension, insurance restart, and insurance stop. The fee settlement control unit 20 adjusts the insurance fee based on the insurance period and the insurance product stored in the input information storage unit 24 (S112).

When the "insurance start button" (67) is clicked, the insurance period calculation unit 25 records the reception date and time (S105), starts guarantee, and the customer accesses the insurance period screen 32 again. , "Insurance suspend button" (S108,
68), Every time one of the “Insurance restart button” (S109, 69) or “Insurance stop button” (S106, 70) is clicked, the date and time of reception is recorded, the insurance period is calculated, and the insurance premium is settled. (S107).

After the insurance is started by clicking the “insurance start button” (67), the insurance product proposal unit 23 starts the insurance at a point in time when a period obtained by subtracting a predetermined time from a period that can be continued with the insurance premium resources has elapsed. The information of the reserve amount is acquired again from the information storage unit, and an insurance period that can be extended if the predetermined range of the reserve is used as a premium source is proposed (S110). On the input screen,
You can enter either the premium source or the insurance period when extending.

The customer can access the security content display screen 32 at any time to check the security content subscribed.
FIG. 8 is a display example of the guarantee content display screen 32. In this example, the customer can confirm the security content of the insurance contract that has already been subscribed as “basic security” and the security content of the newly subscribed insurance product as “limited-time security”. Furthermore, the status of the insurance period of the newly subscribed insurance product can be confirmed.

[0070]

As described above, according to the present invention, it is possible to easily and quickly enroll in necessary insurance for a required period.

[Brief description of the drawings]

FIG. 1 is a block diagram conceptually showing a configuration of a premium settlement system according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating a process in the system in detail.

FIG. 3 is an example of an insurance product input screen in the same system, which is an example of a screen for selecting an insurance type.

FIG. 4 is an example of an insurance product input screen in the same system, which is an example of a screen for selecting an insurance product.

FIG. 5 is an example of an insurance product input screen in the same system, which is an example of a screen for selecting an insurance product.

FIG. 6 is an example of an insurance product input screen in the same system, showing an example of a screen displaying an identification number given to an insurance product.

FIG. 7 is an example of an insurance product period screen in the system.

FIG. 8 is an example of a guarantee content display screen in the system.

[Procedure amendment]

[Submission date] April 25, 2001 (2001.4.2
5)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Explanation of sign

[Correction method] Added

[Correction contents]

[Description of Signs] 10 servers, 20 insurance payment settlement control unit, 21
Product information storage unit, 22 contract information storage unit, 23 insurance product proposal unit, 24 input information storage unit, 25 insurance period calculation unit, 30 insurance product input screen, 31 security content display screen, 32 insurance period screen, 40 internet, 50 User terminal

Claims (23)

[Claims] Claims: 1. An insurance contract system wherein an insurance contract is registered by inputting and setting predetermined items relating to insurance by a customer. An insurance period setting means which can arbitrarily input and set items relating to an insurance period. An insurance contract system comprising: a management unit that manages insurance for a period set by the insurance period setting unit. 2. The insurance contract system according to claim 1, further comprising insurance contents setting means for inputting and setting items relating to insurance contents. 3. The insurance contract system according to claim 2, further comprising insurance fee calculation means for calculating an insurance fee based on the insurance period and the insurance content. 4. The insurance contract system according to claim 2, wherein the items related to the insurance contents include items related to insurance types and security contents. 5. The insurance contract system according to claim 2, wherein the insurance content setting means includes: an insurance type presenting means for presenting an insurance type; and an arbitrary insurance type from the presented insurance type. An insurance type setting means for selecting and setting an insurance type; a security content presenting means for presenting security content for the selected and set insurance type; and a security content setting means for selecting and setting any security content from the presented security content. An insurance contract system comprising: 6. The insurance contract system according to claim 1, wherein the insurance period is set continuously or intermittently. 7. The insurance contract system according to claim 6, wherein the insurance period setting means includes means for allowing a customer to input a start and stop of an insurance period or a restart and an interruption of the insurance period one by one. An insurance contract system characterized by the following. 8. The insurance contract system according to claim 7, wherein when an instruction to start or restart the insurance period is issued,
The insurance contract system, wherein the insurance period setting means sets an insurance period from a time when a predetermined time has elapsed from the time at which the instruction was received. 9. The insurance management system according to claim 1, further comprising insurance rate setting means for inputting and setting items relating to the insurance rate, wherein the insurance rate setting means inputs the information. An insurance contract system, comprising insurance period correction means for correcting the insurance period based on a set insurance fee. 10. The insurance contract system according to claim 1, wherein the management unit includes an insurance fee settlement unit for adjusting an insurance fee. system. 11. The insurance contract system according to claim 10, wherein the insurance information includes insurance products that the customer has already subscribed to, the insurance products having a reserve fund and a security portion as independent components. The insurance contract settlement system, wherein the insurance fee settlement means allocates a part of the reserve to the contracted insurance premium as an insurance fund, and transfers the remaining amount to the reserve for the insurance product. . 12. The insurance contract system according to claim 11, wherein the transfer of the reserve fund to the insurance premium fund by the insurance fee settlement means is executed at the time of setting an insurance contract. . 13. The insurance contract system according to claim 11, wherein the management unit is configured to execute a process when a period obtained by subtracting a predetermined time from an insurance period that can be maintained by insurance premium resources from the start of insurance. An insurance contract system comprising means for displaying an insurance period that can be extended if the predetermined range of the reserve fund stored in the contract information storage unit is used as an insurance premium. 14. The insurance contract system according to claim 11, wherein a predetermined range of the reserve amount of the insurance contract stored in the contract information storage means can be used as an insurance premium. An insurance contract system comprising means for presenting security contents. 15. The insurance contract system according to claim 11, further comprising: an insurance premium per unit period of the proposed insurance;
And an insurance contract system comprising means for calculating and presenting a continuable insurance period when an amount in a predetermined range of the reserve is used as an insurance premium. 16. The insurance contract system according to claim 15, wherein the insurance period and insurance premium presented by the means for calculating and presenting the insurance period can be changed by an input instruction. Contract system. 17. The insurance contract system according to claim 1, wherein the management means assigns a product identification number for identifying a contracted insurance product, and based on the product identification number. An insurance contract system characterized by managing contract insurance. 18. An insurance contract method wherein an insurance contract is registered by inputting and setting predetermined items relating to insurance by a customer. A step of presenting security contents and allowing the customer to select and input the insurance contents. For setting the insurance period for the guaranteed contents continuously or intermittently. 19. An insurance contract system in which an insurance contract is registered by inputting and setting predetermined items relating to insurance by a customer, comprising insurance content setting means capable of inputting and setting items relating to insurance premiums. An insurance contract system characterized by that. 20. The insurance contract system according to claim 19, further comprising insurance period calculation means for calculating an effective insurance period based on the insurance premium and the insurance content. 21. An insurance product input screen for inputting and setting a security content, and an insurance period screen for continuously or intermittently setting an insurance period for the security content input on the insurance product input screen. And the server connected to the server via a communication line, and displays the insurance product input screen and the insurance period screen transmitted by the server, and displays the input security contents and the insurance period on the server. An insurance contract system comprising: a transmitting terminal. 22. An insurance product input screen connected to a terminal via a communication line for inputting and setting security content is displayed on the terminal, and when the security content input and set from the terminal is received, An insurance contract server for displaying, on the terminal, an insurance period screen for continuously or intermittently setting an insurance period for security contents. 23. It is connected via a communication line to a server for registering and managing insurance, and inputs and sets the security contents to be subscribed.
An insurance contract terminal for setting the insurance period for the security content continuously or intermittently and transmitting the insurance period to the server.