JP2002288423A - Insurance case processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To resolve the inconvenience for an insurance contractor and an agent with respect to processing of a case which has occurred on the contractor side and to which payment of the insured amount is applicable. SOLUTION: An insurance case processing system is provided with a center server 3 in an acceptance agent center which vicariously accepts a demand for the insured amount with respect to the case which has occurred on the insurance contractor side, and this center server 3, an insurance company server 2 of an insurance company, and an agent terminal 4 of an investigation agent to which investigation or the like of the case is assigned are connected through a network.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention belongs to the technical field of a system relating to the processing of a case corresponding to the payment of an insurance money generated on the insurance contractor side.

[0002]

2. Description of the Related Art There are various types of insurance such as fire insurance, accident insurance, non-life insurance such as automobile insurance, life insurance, simple insurance, and various types of mutual aid. These insurances differ in the cases (death, illness, accidents, disasters, etc.) for which insurance claims are to be paid, but all insurances are required to pay insurance claims for unforeseen incidents that have occurred on the policyholder side. It can be said that they are common in that they pay insurance if they meet the coverage requirements. Note that the term "contractor side" here means that depending on the insurance, not only the contractor himself but also various objects including the contractor's family, accident partner, automobiles and other goods are eligible for insurance payment. It is.

As a process relating to an insurance case, a general flow from an insurance contract to insurance payment will be briefly described.
First, policyholders contract insurance through agents.
An agent is a person who presents insurance provided by an insurance company and acts as a broker between the contractor and the insurance company. There are many. For example, a car maintenance company is mainly a car insurance agency, and a real estate company is mainly a fire insurance agency.

[0004] Then, after a contract, if a contingency related to insurance occurs to the contractor side, for example, if a traffic accident occurs in the case of car insurance, the contractor first contacts the agent or the insurance company to consult the contents of the case. . Then, the agent or the insurance company prepares documents necessary for the insurance claim procedure based on the contents heard from the contractor. The insurance company that has received the documents determines an investigating agency that is responsible for processing (investigation, negotiation, payment, etc.) for each case, and starts investigating damages related to the case. The survey shop may be determined by selecting the survey shop desired by the contractor, or by selecting the nearest survey shop to the contractor, etc. The case is processed.

There are various procedures for the damage investigation, for example, attachment of insurance claims, accident certificates, copies of licenses, etc., round-trip negotiations, and confirmation of damage. Then, through these steps, the final damage amount and insurance money are calculated,
When the insurance is paid to the policyholder, the damage investigation is completed.

[0006]

However, it is necessary for the agent to listen to the policy from the policyholder at the time of claiming insurance, to prepare documents to be submitted to the insurance company, Various tasks such as transmitting the inquired contents to and from the insurance company are burdensome, and in particular, in the case of an agent who also works as an insurance business, improvement has been required in terms of reducing the work.

[0007] In addition, as described above, the processing of a case has various procedures, and sometimes a long-term investigation is performed until the insurance money is paid. For this reason, policyholders who have claimed insurance claims may feel uneasy about how far the investigation into the case has progressed, and have requested to check the progress. However, if you ask the agency about the progress of the investigation, the agency will also contact the insurance company, and the insurance company will not be able to understand unless you contact the research agency, and in some cases, promptly report the progress to the contractor Some situations were not possible, causing inconvenience to the subscribers.

[0008] Further, when the insurance policyholder has contracted for a plurality of insurances with the same policy, the same case is reported to a plurality of contracting insurance companies in order to claim the insurance. It had to submit documents, which was very troublesome for the contractor.

[0009] In view of such a conventional problem, the present invention solves the inconvenience of the policyholder and the agent in the processing of a case corresponding to the payment of the insurance money generated on the insurance policyholder side. It is an issue.

[0010]

In order to solve the above problems, the insurance case processing system of the present invention employs the following means.

That is, according to claim 1, a center server of a reception agency center for accepting insurance claims for a case that has occurred on the insurance contractor side is provided, and this center server, an insurance company server of the insurance company, A system connected to a research shop terminal of a research shop to which the investigation of the case is assigned via a network, wherein the center server stores the contents of the case that occurred on the insurance contractor side and the case And a registration form transmitting means for transmitting the registration form to the insurance company server, the registration form transmitting means for transmitting the registration form to the insurance company server. And a case notification means for notifying a corresponding research store terminal of a case each of which is in charge of each research store,
The research shop terminal is provided with a management form creation means for creating a management form for managing the processing for each case in charge, and a management form transmission means for transmitting the management form to the insurance company server. A management slip database for storing the received management slips in association with the corresponding registration slips, and a survey input terminal for reading the management slips stored in the insurance company server and inputting the progress of the survey and the like at the research shop terminal Is provided.

In this means, a registration slip is created in the center server based on the content of the case that occurred on the contractor side, and transmitted to the insurance company server and stored. The insurance company server notifies the research shop terminal that processes the case of the case in charge, and the research shop terminal creates a management slip for each case. This management slip is stored in the insurance company server, and the progress of the case is input to the management slip.

According to a second aspect of the present invention, there is provided a center server of a reception agent center for receiving an insurance claim for a case that has occurred on the insurance contractor side, and this center server is provided for each of a plurality of insurance companies. A system in which a company server is connected via a network, and a center server claims a plurality of insurance companies with which the contractor has contracted for a case that occurred on the insurance contractor side. And a company-specific registration form transmitting unit for transmitting a common registration form to the insurance company servers of a plurality of insurance companies with which the contractor has contracted.

According to this means, a common registration slip is created in the center server of the reception agency center based on the contents of the case that occurred on the contractor side, and the common registration slip is shared by a plurality of insurance companies with which the contractor has contracted. Is sent.

According to a third aspect of the present invention, in the insurance case processing system according to the second aspect, each of the insurance company servers of the respective insurance companies is provided with a research store terminal of a research store to which a search of the case is assigned. Connected via
The insurance company server is provided with a common registration slip database for storing the received common registration slips, and a case notifying means for notifying the corresponding research shop terminal of a case in charge of each research shop. A management form creating means for creating a management form for managing the processing for each case in charge, and a management form transmitting means for transmitting the management form to the insurance company server. Is stored in association with the corresponding common registration slip, and the research shop terminal is provided with progress input means for reading out the management slip stored in the insurance company server and inputting the progress of the survey and the like. It is characterized by.

With this means, each insurance company server stores the common registration slip received from the center server. The insurance company server notifies the research shop terminal that processes the case of the case in charge, and the research shop terminal creates a management slip for each case. This management slip is stored in the insurance company server, and the progress of the case is input to the management slip.

According to a fourth aspect of the present invention, in the insurance case processing system according to the first or third aspect, an agent terminal of an insurance company agent is connected to the insurance company server via a network, and is connected to the insurance company server. Is characterized by comprising a progress transmitting means for the agency for transmitting the progress of the investigation of the case to the agency terminal.

In this means, the progress of the processing of the case is transmitted from the insurance company server to the agency terminal.

According to a fifth aspect of the present invention, in the insurance case processing system according to any one of the first to third aspects, a policyholder terminal of an insurance policyholder is connected to the insurance company server via a network. The insurance company server is provided with policyholder progress transmission means for transmitting the progress of the investigation of the case to the policyholder terminal.

In this means, the progress of the processing of the case is transmitted from the insurance company server to the contractor terminal.

According to a sixth aspect of the present invention, in the insurance case processing system according to any one of the first to fifth aspects, an agent terminal of an insurance company agent is connected to the center server via a network. The server is provided with agency notification receiving means for receiving, from the agency terminal, a notification of a case that has occurred to the insurance contractor.

In this means, the case is notified from the agency terminal to the center server.

According to a seventh aspect of the present invention, in the insurance case processing system according to any one of the first to sixth aspects, a policyholder terminal of an insurance policyholder is connected to the center server via a network, and Is provided with a policyholder notification receiving means for receiving, from the policyholder terminal, a notification of a case that has occurred to an insurance policyholder.

In this means, the case is notified from the contractor terminal to the center server.

According to an eighth aspect of the present invention, in the insurance case processing system according to the seventh aspect, the policyholder terminal includes a position grasping means for grasping the current position information of the policyholder terminal, and transmits the current position information to the center server. And a position notifying means.

In this means, the contractor terminal notifies the center server of the current position information of the contractor terminal.

According to a ninth aspect of the present invention, in the insurance case processing system according to the seventh or eighth aspect, the contractor terminal includes:
A situation image transmitting means for transmitting a situation image of a case to the center server is provided.

In this means, the situation image of the case is transmitted from the contractor terminal to the center server.

According to a tenth aspect of the present invention, the insurance company server of the insurance company is provided with a center server of a reception agency center provided for acting on behalf of an insurance claim regarding a case incurred on an insurance contractor side. It is connected via a network to a research shop terminal of a research shop to which a survey of the plan is assigned, and the insurance company server has a sensor server for claiming the insurance company for an insurance for a case that occurred on the insurance policyholder side. A registration form receiving means for receiving the registration form created in the center server, a registration form database for storing the registration form, and a case notifying means for notifying the corresponding research store terminal of the case each of which is in charge of each research store, A management form receiving means for receiving a management form created for managing the processing for each case in charge from a research shop terminal, and a management form associated with a corresponding registration form. A management form database for storing the management form data, a management form reading means for transmitting a management form to the research shop terminal to add the progress, and a postscript management form receiving means for receiving the management form with the progress added from the research shop terminal. Is provided.

In this means, the insurance company server receives and stores the registration slip created based on the content of the case that occurred on the contractor side from the center server. Then, the case in charge is notified to the research shop terminal that processes the case, and the management slip created for each case is received from the research shop terminal and stored. Then, the management slip is transmitted to the research shop terminal to input the progress of the case, and the input management slip is received.

According to the eleventh aspect, a center server of a reception agency center is provided which is an institution independent of the insurance company and which accepts insurance claims for cases incurred on the insurance contractor side. A system in which a server and a plurality of insurance company servers for each insurance company are connected via a network, and the center server has a contract with the contractor regarding a case that occurred on the insurance contractor side. A common registration slip creating means for creating a common registration slip for claiming insurance money to a plurality of insurance companies, and a company transmitting a common registration slip to the insurance company servers of a plurality of insurance companies with which the contractor has contracted. A separate registration form transmitting means.

In this means, a common registration slip is created on the center server of the reception agency center, which is an organization independent of the insurance company, based on the content of the case that occurred on the contractor side.
A common registration slip is transmitted to a plurality of insurance companies with which the contractor has contracted.

[0033]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment (1) of the present invention will be described below.
Will be described with reference to the drawings. 1 is a conceptual diagram of the embodiment (1), FIG. 2 is a configuration diagram of the embodiment (1), FIG. 3 is a detailed configuration diagram of the embodiment (1), and FIGS. FIG. 9 is a flowchart of (1), FIG. 9 is an example of a registration slip of the embodiment (1), and FIG. 10 is an example of a management slip of the embodiment (1).

The insurance case processing system 1 according to the embodiment (1) is provided with a center server 3 of a reception agent center for receiving an insurance claim for a case that has occurred on the insurance contractor side. This is a system in which an insurance company server 2 of an insurance company and a research store terminal 4 of a research store to which the investigation of the case is assigned are connected via a network.

The agency terminal 5 of the insurance company agency
And the policyholder terminal 6 of the policyholder of the insurance, the insurance company server 2
And the center server 3 via a network 7.

The insurance company server 2 and the center server 3
A mainframe, a workstation, a personal computer, or the like having an input / output function, a recording function, a communication function, an arithmetic function, and the like, and generally having a function of responding to a request from another computer. In addition, insurance company server 2
The center server 3 may be configured by combining a plurality of servers and terminal devices.

The research store terminal 4, the agency terminal 5, and the contractor terminal 6 have an input function, a display function, a recording function, a communication function (in some cases, a mobile communication function), and the like. The input function includes a button, a touch panel, a keyboard, a mouse, and the like, and the display function includes an LCD, a CRT, and the like.
Examples of the mobile communication function include a communication function using a communication line, wireless communication, a satellite, and the like. These are generally a personal computer or a portable terminal (PD) that can be connected to a network to obtain information using a Web browser or the like.
A), mobile phones, home appliances such as televisions and fixed phones that can be connected to a network. In some cases, the terminal is an in-vehicle terminal integrated with an automobile navigation system.

The network 7 is connected to the Internet or LA
N (Local Area Network), a communication line, a wireless network, a satellite or other wireless communication system.

In the following specific description, car insurance will be described as an example. However, other insurance such as fire insurance and accident insurance, as well as various insurances such as life insurance, simple insurance, and various types of mutual aid. The same applies to cases.

First, the configuration of the center server 3 will be described. The reception agency center in which the center server 3 is provided is a center provided as a collective reception window when requesting insurance premium payment to an insurance company. The configuration of the center server 3 includes a notification receiving unit 31 that receives a notification about an insurance case, a registration transmitting unit 32 that registers the content of the notification in the insurance company server 2, and an agent support unit 3
It is roughly divided into three.

The notification receiving unit 31 includes a reception slip creation unit 31
1, reading means 312, request receiving means 313, form transmitting means 314, contractor notice receiving means 315, agency notice receiving means 316, and reception slip database 317.

When the contractor reports the case to the reception agent center by telephone, the reception slip creation means 311 inputs the contents of the report received in a predetermined format, and
11 is a means for creating the data. The reception slip 3111 includes the reporter, securities number, contact information (address, telephone number), accident date, accident report date, accident situation, driver, driving vehicle, and the like.

The reading and inputting means 312 is provided for receiving (for example, facsimile or mailing) sent to the reception agency when a reception slip is prepared as an OCR slip based on the report contents of the case heard by the agent from the contractor. This is a means for reading the vote 3121 by an optical character reading device (OCR) and adding supplementary input if necessary. The contents of the reception slip 3121 are the same as those of the reception slip 3111.

The request receiving means 313 is a means for receiving a request from the contractor terminal 6 when the contractor wants to report a case to the reception agency center via the network 7. The form transmitting means 314 is a means for transmitting a form supporting the input of a case report to the contractor terminal 3 in response to a request. The contractor notification receiving means 315 is a means for receiving, via the network 7, a reception slip 6131 created in the contractor terminal 5 according to the format. These means are such that the contractor accesses a homepage provided by the center server 3 and receives a reception slip 6131 created by inputting the contents of the case on a Web page displayed on the contractor terminal 6. Done. The contents of the reception slip 6131 are the same as those of the reception slip 3111.

The agency notification receiving means 316 inputs the reception slip 5111 created in a predetermined format based on the contents of the report of the case that the agency has heard from the contractor, through the network 7 to the agency terminal 5 Means for receiving from
In this case, the case where the agency terminal 5 is provided with a form for creating the reception slip 5111 in advance is shown, but the center server 3 is provided in the same manner as described in the contractor terminal 6 described above. The request form may be requested to generate a reception slip 5111. The contents of the reception slip 5111 are the same as those of the reception slip 3111.

The reception slip database 317 includes a reception slip 3111 created by the reception slip creation means 311, a reception slip 3121 read by the read input means 312, a reception slip 6131 received by the contractor notification receiving means 315, This is a means for storing all the reception slips 5111 received by the agency notice receiving means 316. The reception slips stored in the reception slip database 317 are collectively referred to as a reception slip 3171.

The notification receiving unit 31 is provided with four means for creating a reception slip corresponding to each case according to the route to which the case is reported to the reception agency center, but all of them are provided. It is not necessary, and for example, the reading input unit 312 and the agency notice receiving unit 316 may be omitted.

Next, the registration transmitting section 32 is provided with a registration slip creating means 321 and a registration slip transmitting means 322.

The registration form creation means 321 reads the reception form 3171 once stored in the reception form database 317 and checks whether the contents of the reception form 3171 are correct.
After the survey shop is determined in accordance with the case, the name of the survey shop (including the code number) in charge is input to each reception slip 3171, the reception number is automatically numbered, and a case registration slip 3211 is created. is there. The registration slip 3211 also includes an agent name (including a code number), a security number, an accident date, a contractor, a damaged property name, an accident situation, and the like. The registration form transmitting unit 322 is a means for transmitting the registration form 3211 to the insurance company server 2. This transmission may be either batch processing or real-time processing.

Next, the agency support section 33 is provided with a reception slip transfer means 331.

The reception form transfer means 331 is a part of the reception form 3171 stored in the reception form database 317, for a case which does not correspond to a claim for insurance money, that is, a case which does not correspond to creation of a registration form 3211. Is transferred to the agency terminal 5 corresponding to the contractor of the case. The agency presents a new insurance contract that can be used to cover the case that occurred to the contractor based on the transferred reception slip 3171, which is useful for business activities for promoting the contract, and for providing services to the contractor. It can be improved. In the reception form transfer unit 331, the information of the case obtained from the agency notification receiving unit 316 may be excluded from the transfer to the agency terminal 5 because it is duplicated.

Next, the configuration of the insurance company server 2 will be described. The insurance company corresponding to the insurance company server 2 is the insurance company with which the policyholder has made an insurance contract. Insurance company server 2
The configuration of the registration slip 321 received from the center server 3
1; a management unit 22 that manages the processing of the case; and a progress notification unit 23 that notifies the agent terminal 5 and the contractor terminal 6 of the progress of the processing of the case.

The registration section 21 is provided with a registration form receiving means 211 and a registration form database 212. The registration form receiving unit 211 receives the registration form 3211 from the center server 3.
Is a means for receiving The registration slip database 212
This is a means for storing the registration slip 3211.

The management unit 22 includes a case notification unit 221, a management form receiving unit 222, a management form database 223, an additional request receiving unit 224, a management form reading unit 225, and an additional management form receiving unit 226.

The case notifying means 221 collects the cases of the registration form 3211 for each research shop based on the name of the research shop included in the registration form 3211 of the registration form database 212, and sends the case to each research shop terminal 4. Means for notifying the user. In this means, the receipt number and security number of the case included in the registration slip 3211, the accident date, the contractor, the collateral (insurance type), the damage ID (numbering for each damage), and the like are transmitted.
The management form receiving means 222 is a means for receiving the management form 4121 created for each case at the research shop terminal 4 from each research shop terminal 4. The management form database 223 is means for storing the received management form 4121. In this means, the management form 4121 is stored in association with the corresponding reception form 3171.

The postscript request receiving means 224 is connected to the research shop terminal 4
Is a means for requesting the reading of a desired management form 4121 in order to add the progress and the like to the management form 4121. The management form reading means 225 is a means for taking out a desired management form 4121 requested from the research shop terminal 4 from the management form database 223 and transmitting it. Postscript management slip receiving means 226
Is a means for receiving the management form 4121 added by the research shop terminal 4 and storing it in the management form database 223.

The progress notification unit 23 includes agency request receiving means 231, agency progress transmitting means 232, contractor request receiving means 233, and contractor progress transmitting means 234.

The agency request receiving means 231 is a means for receiving a request from the agency terminal 5 to keep track of the processing of a case. When requesting, the agent terminal 5
It is desirable to perform authentication using an ID, a password, or the like given to the user. The agency-directed progress transmission unit 232 reads out the progress of the process included in the requested management slip 4121 from the management slip database 223 and
Means to send to Since the management slip 4121 contains all the information related to the processing of the case, only the information necessary for the progress notification is extracted and transmitted to the agency terminal 4.

The contractor request receiving means 233 is a means for receiving a request from the contractor terminal 6 for wanting to know the progress of the processing of a case. At the time of the request, it is desirable to perform authentication using an ID, a password, and the like, which are assigned to the contractor terminal 5 in advance. The contractor's progress transmission unit 234 is a unit that reads out the progress of the process included in the requested management slip 4121 from the management slip database 223 and transmits it to the contractor terminal 4. Since the management slip 4121 contains all information related to the processing of the case, the contractor terminal 4
, Only information necessary for notification of progress is extracted and transmitted.

The progress transmitting means 232 for the agency and the progress transmitting means 234 for the contractor extract and transmit a part of the management form 4121 of the management form database 223.
A database for transmitting the progress to the agency terminal 5 or the contractor terminal 6 may be separately created in advance, and the progress information may be transmitted from the database.

Next, the configuration of the research shop terminal 4 will be described. The research shop is a department that handles the processing of cases of insurance companies, and processing of cases includes research, negotiation, and payment.
The research shop terminal 4 is roughly divided into a management form creation unit 41 for creating a management form for each case notified from the insurance company server 2 and a progress input unit 42 for appropriately inputting the progress of the case processing in the management form. .

The management form creation unit 41 includes a case notification reception unit 411, a management form creation unit 412, and a management form transmission unit 413.
And are provided.

The case notification receiving means 411 is a means for receiving and displaying a notification of a case in charge from the insurance company server 2. The management form creation unit 412 is a unit that creates a management form 4121 for managing each case. This management slip 41
Reference numeral 21 indicates the name of the person in charge (including the code No.) of the person to whom the case was assigned, the schedule planned for processing the case, the contents of the work performed, the contents of the negotiations, etc., and the accident confirmed by the person in charge. Contents, contents of registration slips, etc. are included. The management form transmitting unit 413 stores the created management form 41
21 to the insurance company server 2.

The progress input unit 42 has an additional writing request unit 421
And a management slip receiving means 422, a progress input means 423, and a postscript management slip transmitting means 424.

The postscript requesting means 421 is a means for requesting a desired control slip 4121 from the insurance company server 2 in order to postscript the progress and the like in the control slip 4121. Management slip receiving means 4
22 is a management slip 4121 requested from the insurance company server 2
Is a means for receiving The progress input means 423 is a means for inputting the progress of the process to the management form 4121. As for the progress, the start date, end date,
The progress status etc. in the middle are additionally input one by one. Further, money data for the settlement of the insurance money relating to the case is also input and the settlement is executed. The postscript management form transmission unit 424 returns the management form 4121 in which the progress has been input to the insurance company server 2 again.
Means to send to

The exchange between the progress input section 42 and the corresponding management section 22 of the insurance company server 2 is as follows.
Each process of the case is executed each time it is completed, and the progress of the case is accurately and promptly added to the management form 4121. The management slip 4121 is used not only for confirming the progress of a case and searching for the progress, but also for business management of a person in charge of investigation, management of insurance money settlement, and management of self-liability.

Next, the configuration of the agency terminal 5 will be described. The agent terminal 5 is a notification receiving unit 3 of the center server 3.
A case notification unit 51 for reporting the contents of the case corresponding to 1;
A support receiving unit 53 corresponding to the agency supporting unit 33 and a progress receiving unit 52 corresponding to the progress notification unit 23 of the insurance company server 3.
They are roughly divided into

The case notifying section 51 includes a reception form creating means 51.
1 and a reception form transmitting unit 512 are provided.

The reception slip preparation main stage 511 is a means for inputting the contents of a case in a predetermined format to prepare a reception slip 5111. The reception slip transmitting means 512 is a means for transmitting the created reception slip 5111 to the center server 3.

The progress receiving unit 52 includes a progress requesting means 521
And a progress receiving means 522.

The progress request means 521 is provided by the insurance company server 2
Means for requesting a report on the progress of the processing of the case. The progress receiving unit 522 is a unit that receives the progress report transmitted from the insurance company server 2.

The support receiving unit 53 includes a reception form receiving unit 53
1 is provided. The reception slip receiving means 531 is a means for receiving, from the reception slip transfer means 331 of the center server 3, a reception slip 3171 of the case where the registration slip 3211 was not created.

Next, the configuration of the contractor terminal 6 will be described. The contractor terminal 6 is a notification receiving unit 3 of the center server 3.
A case notification unit 61 for reporting the contents of the case corresponding to 1;
It is roughly divided into a progress receiving unit 62 corresponding to the progress notification unit 23 of the insurance company server 3.

The case notification unit 61 has a form request unit 611.
And a form receiving unit 612, a reception form creation unit 613, and a reception form transmission unit 614.

The form request means 611 is a means for requesting the center server 3 for a form for notifying a case report. The form receiving unit 612 is a unit that receives a form for input from the center server 2 in response to a request. The reception slip creation means 613 is a means for inputting the contents of a case according to a format and creating a reception slip 6131. The reception slip transmitting unit 614 is a means for transmitting the generated reception slip 6131 to the center server 3.

The progress receiving section 62 includes a progress requesting means 621.
And progress receiving means 622.

The progress request means 621 is provided by the insurance company server 2
Means for requesting a report on the progress of the processing of the case. The progress receiving unit 622 is a unit that receives the progress report transmitted from the insurance company server 2.

The operation of the insurance case processing system 1 of the embodiment (1) thus configured will be described with reference to FIGS.
This will be described with reference to FIG. Since this operation is an example, the order and the screen are not limited to these.

First, since there are a plurality of routes until a case that has occurred in the insurance contractor is reported to the reception agency, the operation of each route will be described.

When the contractor reports to the agency, the contents heard at the agency terminal 5 are entered according to the form, and the reception slip 511 is entered.
1 is created (S101). And the created reception slip 5
111 is transmitted to the center server 3 (S102).
The transmitted receipt 5111 is received by the agency notification receiving unit 313 of the center server 2 (S103).

When the contractor reports to the reception agency center using the network 7, the form requesting unit 611 of the contractor terminal 6 requests the center server 3 for a form for reporting the case (S104). Is received by the request receiving means 313 of the center server 3 (S105). The form transmitting means 314 of the center server 3 transmits a form for supporting the creation of the reception slip to the contractor terminal 3 (S1).
06). The form receiving means 612 of the contractor terminal 3 receives the form and displays it on the screen (S107).
In 13, necessary items are entered according to the screen,
131 is created (S108). Then, the reception slip 6131 is transmitted to the center server 3 (S109),
It is received by the insurance company server 2 (S110).

When the contractor reports the contents of the case to the reception agent center by telephone, he or she inputs the contents heard in accordance with the form and creates a reception slip (S111).

When the contractor reports to the agency and the OCR slip is entered at the agency, the OC created by the agency is
The R slip is transmitted to the reception agency center by facsimile, the content is read by the OCR reading means 312 in the center server 2, and if the reading is inadequate, the input is supplemented and a reception slip 3121 is created (S112).

As described above, the reception slips 3111, 3111 transmitted or input to the center server 3 through various routes.
121, 5111, and 6131 are temporarily stored in the reception slip database 317 (S113), and are referred to as a reception slip 3171. Then, the registration slip creation means 321 of the center server 3
From the reception slip database 317, the reception slip 3171
Is read, and a survey shop in charge of the survey is assigned for each case, and the name of the survey shop, a reception number, and the like are input, and FIG.
Is created as shown in FIG.
4). Although not shown, the reception slip 3171 of the case where the registration slip 3211 was not created because the registration slip 3211 was not met because of the requirement for insurance payment was transmitted by the reception slip transfer means 331 of the center server 3, and the corresponding proxy It is received by the reception slip receiving means 531 of the shop terminal 5.

The created registration slip 3211 is transmitted to the insurance company server 2 by the registration slip registration means 322 (S1).
15). In the insurance company server 2, the registration form receiving means 211
(S116), and is registered in the registration form database 212 (S117).

In the insurance company server 2, from the registration slip 3211 of the registration slip database 212, the cases handled by the same research shop are put together and the case notification means 221 uses the research shop terminal 4.
(S118). In the research shop terminal 4, the case to which the survey is assigned is received by the case notification receiving means 411, and a list including items such as a case number is displayed (S119). Then, the person in charge of the survey is determined for each case, and the management form creating unit 412 creates the management form 4121 as shown in FIG. 10 (S120). The management form 4121 includes the name of the person in charge of the investigation, the item of the schedule for processing the case, and a part of the contents of the registration form 3211. Since the contents of the registration form 3211 are created based on the contents of the first report from the contractor, there are many deficiencies, and in such a case, the management form 4121 is corrected and added as needed. Then, the processing schedule scheduled at this time is also input. Then, the created management form 4121 is transmitted to the insurance company server 2 by the management form transmitting unit 413 (S1).
21) In the insurance company server 2, the management form receiving means 22
2 receives the management form 4121 (S122) and stores it in the management form database 222. (S123)

The survey person in charge at the survey shop requests the insurance company server 2 for a desired management form 4121 by the postscript addition request means 421 at each turning point where the processing of the case is completed (S12).
4). In the insurance company server 2, the additional writing request receiving means 224
As a result, the request from the research shop terminal 4 is received (S12
5), the corresponding management slip 4 is read by the management slip reading means 225.
121 is read from the management form database 222 and transmitted to the research shop terminal 4 (S126). In the research shop terminal 4,
The desired management form 4121 is received and displayed by the management form receiving means 422 (S127). Then, the progress input means 42
2, the progress of the processing of the case is input (S12).
8). The management slip 4121 in which the progress has been input is transmitted to the insurance company server 2 by the management slip transmission unit 413 (S12).
9), received by the postscript management slip receiving means 226 of the insurance company server 2 and stored in the management slip database 222 (S130).

Next, when it is desired to confirm the progress of the processing of the case of the contractor in charge of the agency, the progress request means 521 of the agency terminal 5 requests the insurance company server 2 (S2).
01), the agency request receiving means 231 of the insurance company server 2
(S202). Then, the progress of the inquired case is read out from the management form database 222, and the agent terminal 5
(S203). At the agency terminal 5, the information is received and displayed by the progress receiving means 522 (S20).
4).

If the contractor wants to directly confirm the progress of the processing of the case, the progress request means 631 of the contractor terminal 6
Is requested by the insurance company server 2 (S302), and received by the contractor request receiving means 233 of the insurance company server 2 (S302). Then, the progress of the inquired case is read from the management form database 222, and transmitted to the contractor terminal 6 by the contractor progress transmission means 234 (S303). In the contractor terminal 6, the progress receiving means 632
Is received and displayed (S304).

As described above, in the insurance case processing system 1 of the embodiment (1), the progress of the case being processed at the research shop can be confirmed from the agency terminal 5 or the contractor terminal 6. This allows the agency to make inquiries from the contracting party in charge, or as part of sales activities,
The contractor can be quickly notified of the progress,
The service to the contractor can be improved. Also,
Policyholders do not need to contact agents or insurance companies,
You can easily check the progress of yourself. on the other hand,
The insurance company server 2 collectively registers the case receipts via the center server 3, so that incomplete processing can be managed in advance of the processing, and the processing of the case is started immediately. be able to. In addition, since the progress of the case is reported from the insurance company server to the agent or contractor based on the management slip instead of from the research store, the research store responds to each inquiry from the agent or insurance company one by one. There is no need, and the burden on business is reduced. In addition, by receiving a report of a case directly from the policyholder at the insurance company server without going through the agency, it is possible to reduce the burden of work at the agency.

Next, the embodiment (2) of the present invention will be described. FIG. 11 is a conceptual diagram of the embodiment (2), and FIG.
Is an explanatory diagram of the embodiment (2), and FIG. 13 is a detailed configuration diagram of the embodiment (2). Since the embodiment (2) is an application of the embodiment (1), the same description is given the same reference numerals and the details are omitted.

The insurance case processing system 1 according to the embodiment (2) is provided with a center server 3 of a reception agent center for receiving an insurance claim for a case that has occurred on the insurance contractor side. And an insurance company server 2 for each of a plurality of insurance companies.

The reception agency center of the embodiment (2)
It is an institution provided as a collective reception desk for claiming insurance claims to a plurality of insurance companies. For example, if a traffic accident by car occurs on the contractor side and the contractor has contracted insurance related to traffic accidents with multiple insurance companies, by notifying the reception agency of the case,
Claims are made to all contracted insurance companies.

Therefore, the configuration of the registration transmitting section 32 of the center server 3 of the embodiment (2) is different from that of the embodiment (1). In the embodiment (2), the embodiment (1)
Instead of the registration form creation means 321 and the registration form transmission means 322, a common registration form creation means 323 and a company-specific registration form transmission means 324 are provided. Other configurations are the same as those in the embodiment (1).

The common registration form creation unit 323 is a means for creating a common registration form 3231. This common registration form 323
1 includes the names of insurance companies of a plurality of insurances contracted by the contractor or the securities numbers of the contracts of each insurance. These pieces of information are stored in the reception slips 3111, 3121, 5111, and 613.
Obtained from the contractor when creating 1. Note that the registration slip 32
In 31, the name of the research shop in charge of the case is input as in the embodiment (1).
You may comprise so that it may perform in the insurance company server 2. The company-specific registration slip transmitting means 324 is a means for transmitting the registration slip 3231 to each of the insurance company servers 2 of the corresponding insurance companies based on the insurance company names included in the registration slip 3231.

In the embodiment (2) configured as described above, if the insurance contractor has contracted for a plurality of insurances, conventionally, one case that has occurred for each contract must be dealt with. He made the same report and filed a claim for each. However, by making a batch request to the reception agent center, the troublesome procedure of the contractor is greatly reduced.

[0097] Further, since the reception agent center in the embodiment (2) is an institution independent of each insurance company, the reception agent center can contract with more insurance companies and perform the processing. Thus, the convenience for the contractor in the procedure and progress check involved in the processing of one case is further improved. In addition, there is an advantage that an insurance company can easily detect fraud associated with a claim. Other functions and effects are the same as those of the embodiment (1).

Next, the embodiment (3) of the present invention will be described. FIG. 14 is a detailed configuration diagram of the embodiment (3),
FIG. 15 is a flowchart of the embodiment (3). Since the embodiment (3) is an application of the embodiments (1) and (2), the same descriptions are given the same reference numerals and the details are omitted.

In the embodiment (3), the configuration of the contractor terminal 6 includes the situation of the
Is provided with a status notification unit 63 for notifying the user.

The status notifying section 63 includes the position grasping means 6.
31, a position notification unit 632, a situation image acquisition unit 633, and a situation image transmission unit 634.

The position grasping means 631 is a means for grasping the current position information of the contractor terminal 6. As a method of grasping the current position, GPS (Global Position) is used.
Ning System A technology that captures radio waves transmitted by artificial satellites and detects them using a global aeronautical positioning system that detects positions such as latitude and longitude, a technology that uses radio waves from mobile phone base stations, and others. Is applied. Therefore, this means includes a dedicated antenna (not shown) for catching radio waves from a satellite or a base station. The position notifying unit 632 is a unit that transmits the obtained current position information to the center server 3 to notify it. The position notification means 632 is
14 is executed at the same timing as that of the contractor terminal 6
Is configured to be included (displayed).

The situation image acquiring means 633 is means for acquiring the occurrence situation of a case as an image. Specifically, a digital camera, a camera, or the like is applied. The situation image transmitting means 634 is a means for transmitting the acquired situation image to the center server 3.

The operation of the insurance case processing system 1 of the embodiment (3) will be described with reference to FIG. Since this operation is an example, the order is not limited to these. Also,
Operations similar to those in FIG. 4 are denoted by the same reference numerals, and detailed description is omitted.

In the case of notifying the center server 3 from the contractor terminal 6 through the network 7, first, in S104 of FIG.
The same operation as that of S108 is executed. And S108
With the creation of the reception slip 6131, the situation image acquisition means 633 acquires an image of the situation (S401). For example, an image of an accident site or the like is captured by a digital camera, and this image is transmitted to the center server 3 when transmitting the reception slip 6131 (S402). Along with these operations, the current position information of the contractor terminal 6 grasped by the position grasping means 631 is transmitted by the position notifying means 632 (S404). The center server 3 receives the situation image and the current position of the contractor terminal 6 from the contractor terminal 6 at the same time as the reception slip 6131 (S405).

By the situation notifying section 63, for example, when a traffic accident occurs, the center terminal 3 can be immediately contacted from the contractor terminal 6 at the accident site to automatically notify the position of the accident site. It is possible to transmit the status of occurrence of an accident, the status of damage to a car, and the like. Other functions and effects are the same as those of the first and second embodiments.

The image acquired by the situation image acquiring means 633 does not necessarily need to be transmitted from the accident site.

When the reception agency is an institution independent of each insurance company, the situation image obtained at the contractor terminal 6 can be submitted to the police or the like as evidence. Various kinds of information acquired by can be used fairly.

In the embodiment (3), the contractor terminal 6
Is suitable for a mobile terminal, a mobile phone, or a terminal provided in a mobile body.However, an image of the occurrence situation is obtained via a recording medium, and is also applicable to a fixed terminal. May be.

[0109]

As has been described in detail above, in the insurance case processing system of the present invention, the processing of insurance related cases, which has conventionally been a heavy burden on the agency, is processed via the center server. The work was greatly reduced, and the work of the agency was made more efficient.

Further, according to the present invention, by requesting the insurance company server from the contractor terminal or the agent terminal to notify the progress,
It is possible to easily know how far the case processing has progressed. Thus, the agent can improve the service to the contractor by grasping the progress of the contractor in charge and actively reporting to the contractor. On the other hand, the contractor knows the progress, so that a sense of security is improved. In addition, the contractor can also know without going through an agency, so he can easily check the progress at any time.

Further, at the research shop, a notice of the progress is transmitted from the insurance company server to the contractor or the agency based on the management form in which the progress of the case processing is added. There was no need to respond, and the efficiency of work at the research shop was improved.

Further, since the insurance company server collectively receives the registration slips related to the case via the center server, it is easy to prevent shortage or insufficiency of matters necessary for processing the case, and the investigation on the case is started immediately. I was able to.

Further, even if a policyholder has contracted with insurance from a plurality of insurance companies, the report can be made only once to the center server, and the insurance claims can be filed with a plurality of contracted insurance companies, thereby improving the convenience. Was done.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of an embodiment (1).

FIG. 2 is a configuration diagram of an embodiment (1).

FIG. 3 is a detailed configuration diagram of the embodiment (1).

FIG. 4 is a flowchart of the embodiment (1).

FIG. 5 is a flowchart of the embodiment (1).

FIG. 6 is a flowchart of the embodiment (1).

FIG. 7 is a flowchart of the embodiment (1).

FIG. 8 is a flowchart of the embodiment (1).

FIG. 9 is a diagram showing an example of a registration slip according to the embodiment (1).

FIG. 10 is a diagram illustrating an example of a management form according to the first embodiment.

FIG. 11 is a conceptual diagram of the embodiment (2).

FIG. 12 is an explanatory diagram of the embodiment (2).

FIG. 13 is a detailed configuration diagram of the embodiment (2).

FIG. 14 is a detailed configuration diagram of the embodiment (3).

FIG. 15 is a flowchart of the embodiment (3).

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 insurance case processing system 2 insurance company server 21 registration section 211 registration form receiving means 212 registration form database 22 management section 221 case notification means 222 management form receiving means 223 management form database 224 additional write request receiving means 225 management form reading means 226 additional write management Vote receiving unit 23 progress notification unit 231 agency request receiving unit 232 agency transmission process unit 233 contractor request reception unit 234 contractor progress transmission unit 3 center server 31 notification receiving unit 311 reception slip creation unit 3111 reception slip 312 reading Input means 3121 Reception slip 313 Request reception means 314 Form transmission means 315 Contractor notification reception means 316 Agency notification reception means 3121 Reception slip 317 Reception slip database 3171 Reception slip 32 Registration transmission part 321 Registration slip creation means 3211 Record form 322 Registration form transmission means 323 Common registration form creation means 3231 Registration form 324 Company-specific registration form transmission means 33 Agency support part 331 Reception form transfer means 4 Survey shop terminal 41 Management form creation part 411 Case notification reception means 412 Management form Creation means 4121 Management slip 413 Management slip transmission means 42 Progress input unit 421 Additional writing request means 422 Management slip reception means 423 Progress input means 424 Additional writing management slip transmission means 5 Agency terminal 51 Case notification part 511 Reception slip creation means 5111 Reception slip 512 Receipt slip transmitting means 52 Progress receiving part 521 Progress request means 522 Progress receiving means 53 Support receiving part 531 Receipt slip receiving means 6 Contractor terminal 61 Case notification part 611 Form request means 612 Form receiving means 613 Receipt slip creating means 6131 Receipt slip 614 Reception slip transmitting means 62 Progress receiving unit 6 1 elapsed requesting means 622 history receiving unit 63 status notification section 631 locating means 632 position notification unit 633 status image acquisition unit 634 status image transmission means 7 network

Claims (11)

[Claims] 1. A center server of a reception agency center for accepting insurance claims for a case that has occurred on a policyholder side of an insurance is provided. The center server, an insurance company server of an insurance company, A system in which a research shop terminal of a research shop to which a survey or the like is assigned is connected via a network. A registration form creation unit for creating a registration form including the research shop name; and a registration form transmission unit for transmitting the registration form to the insurance company server. The insurance company server has a registration form for storing the received registration form. A database and a case notifying means for notifying the corresponding researcher terminal of each case in charge of each research store are provided, and the research store terminal manages processing for each case in charge. Means for creating a management form for creating the management form, and a management form transmitting means for transmitting the management form to the insurance company server. The insurance company server associates the received management form with the corresponding registration form. An insurance case processing system comprising: a management form database for storing; and a research store terminal including a progress input unit for reading a management form stored in an insurance company server and inputting a progress of a survey or the like. 2. A center server of a reception agency center for accepting insurance claims for a case that occurred on the insurance contractor side is provided, and the center server and an insurance company server for each of a plurality of insurance companies are provided. A system that is connected via a network. The center server has a common registration form for claiming insurance claims to a plurality of insurance companies with which the contractor has contracted for cases that occurred on the insurance contractor side. An insurance case processing system comprising: a common registration slip creation unit for creating a registration slip; and a company-specific registration slip transmission unit for transmitting a common registration slip to each of the insurance company servers of a plurality of insurance companies with which the contractor has contracted. 3. The insurance case processing system according to claim 2, wherein each of the insurance company servers of the respective insurance companies is connected to a research store terminal of a research store to which the investigation of the case is assigned, via a network. The insurance company server is provided with a common registration slip database for storing the received common registration slips, and a case notifying means for notifying the corresponding research shop terminal of a case in charge of each research shop. A management form creating means for creating a management form for managing the processing for each case in charge, and a management form transmitting means for transmitting the management form to the insurance company server. Is stored in association with the corresponding common registration slip. The management shop reads out the management slip stored in the insurance company server at the research shop terminal, Insurance cases processing system, wherein a lapse input means for inputting is provided with. 4. The insurance case processing system according to claim 1, wherein an agent terminal of an insurance company agent is connected to the insurance company server via a network, and the insurance company server checks the case of the insurance company. An insurance case processing system, comprising: agent progress transmission means for transmitting the progress of the event to the agency terminal. 5. The insurance case processing system according to claim 1, wherein a policyholder terminal of an insurance policyholder is connected to the insurance company server via a network, and the insurance company server is connected to the insurance company server. The insurance case processing system further comprises a contractor's progress transmission means for transmitting the progress of the case investigation to the contractor terminal. 6. The insurance case processing system according to claim 1, wherein an agent terminal of an insurance company agent is connected to the center server via a network, and the center server has an insurance terminal. An insurance case processing system comprising: agent notification receiving means for receiving, from an agent terminal, a notification of a case that has occurred to a contractor of the present invention. 7. The insurance case processing system according to claim 1, wherein a policyholder terminal of a policyholder of insurance is connected to the center server via a network, and the center server has An insurance case processing system, comprising: a contractor notice receiving means for receiving, from a contractor terminal, a notice of a case that has occurred to a contractor. 8. The insurance case processing system according to claim 7, wherein the contractor terminal includes: a position grasping unit that grasps current position information of the contractor terminal; and a position notifying unit that transmits the current position information to the center server. An insurance case processing system, comprising: 9. The insurance case processing system according to claim 7, wherein the policyholder terminal is provided with a situation image transmitting means for transmitting a situation image of the case to the center server. . 10. An insurance company server of an insurance company assigns a center server of a reception agency center provided for acting to accept an insurance claim for a case that has occurred on an insurance contractor side, and a survey of the case. The insurance company server is connected to the research store terminal of the research store through a network, and the insurance company server has a registration created by the sensor server to claim the insurance company for insurance for a case that occurred on the insurance policyholder side. A registration form receiving means for receiving a form from the center server, a registration form database for storing the registration form, a case notifying means for notifying the respective research shop terminal of a case in charge of each research shop, and processing for each case in charge Management sheet receiving means for receiving from a research shop terminal a management form created to manage the management form, and a pipe for storing the management form in association with the corresponding registration form An insurance case provided with a vote database, management slip reading means for transmitting a management slip to the research shop terminal to add the progress, and additional writing management slip receiving means for receiving the management slip with the progress added from the research shop terminal. Processing system. 11. A center server of a reception agent center, which is an institution independent of the insurance company and which accepts insurance claims for cases arising on the insurance contractor side, is provided. The center server and the insurance company A system in which a plurality of insurance company servers are connected to each other via a network. A common registration slip creating means for creating a common registration slip for claiming insurance claims, and a company-specific registration slip transmitting means for transmitting a common registration slip to insurance company servers of a plurality of insurance companies with which the contractor has contracted. An insurance case processing system provided with