JP2002298035A - Device, method, and computer program for processing contract information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a contract information processing device convenient for both a contractor and an insurance company when an insurance contract is tied therebetween. SOLUTION: By using a cell phone T, the contractor temporarily registers the contents of the insurances (car insurance, indemnity insurance, leisure insurance) expected to be contracted in the contract information processing device S for a specified period in correspondence with the identification information thereof. When the contents of the temporarily registered insurances are validated, the contractor transmits the request for validation of the contract including the identification information to the contract information processing device S. The contract information processing device S, when accepting the request for validation of the contract, generates the contract data for validating, later, a part or all of the contents of the insurance specified by the identification information included in the request.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information processing method for insurance contracts incorporating an on-demand policy (on-demand policy: performing necessary processing in response to the occurrence of an external response request event). Policyholder (customer planning insurance contract or customer who has already contracted, the same shall apply hereinafter)
However, depending on the situation and environment in which the customer is located, provisionally register the contents of the insurance contract with the insurance company in advance, and use this information to activate it afterwards on the request of the policyholder. Regarding processing.

[0002]

BACKGROUND OF THE INVENTION There are various types of insurance. The contractor
In general, it is common to select an appropriate insurance from a variety of insurances according to the advice of the insurance company's staff, according to the situation and environment in which you are located, and to formulate the optimal insurance plan that suits you as necessary. is there. For example, a contractor who plans to “go overseas” would select “overseas travel accident insurance”, etc., and would further select how much “compensation travel insurance” to cover. , If you plan to “go golf,” you ’ll get “golf equipment damage insurance”
After selecting which one, such as "hole-in-one insurance for golf," is required, it is common to select how much "hole-in-one insurance for golf" the compensation amount is. In such cases, it is common for the policyholder to make a plan to "go on a domestic trip" or "go golf", but the insurance policy must be prepared for travel or golf. It is troublesome to do it in a busy time. This annoyance causes the contractor to hesitate to select and use insurance with contents that suit his purpose. Also, usually, contracts are imposed in a short period of time, which places an excessive procedural burden on insurance companies.

[0003] The present invention reduces the burden on policyholders and insurance companies, is a technology that is easy for policyholders to use, and supports insurance contracts that do not require the insurance company to perform short-term procedures. Is the main issue.

[0004]

DISCLOSURE OF THE INVENTION Events that can be covered by insurance
The type of insurance required for a person when an "event" is planned is somewhat fixed. In the case of the above example, the content of “Overseas travel accident insurance” required by the contractor at the event of “Going overseas” will be almost constant, In addition, it is generally determined within a certain range whether the contractor needs “golf equipment damage insurance” and “golf hole-in-one insurance” in any combination. Then, the combination of insurance required when each event is executed can be predicted to a certain extent for each contractor. You do not need to do this.

[0005] In other words, if the insurance company has information about insurance combinations required at the time of event execution, which has a reservation-like meaning of insurance, the contractor will say, "Because the event is executed. Insurance is required "by making a statement that the insurance policy suitable for the event (insurance identified by the reservation information described above) is automatically activated, that is, on demand. It is possible to operate insurance contracts. By enabling this type of operation, policyholders would have better access to insurance, and insurance companies would not be forced to proceed in a short period of time. Can be realized. The present invention has been made based on such knowledge, and provides a contract information processing apparatus and method and a computer program which embody the same.

[0006] A contract information processing apparatus provided by the present invention includes a provisional registration unit for provisionally registering the contents of an insurance contracted by a contractor with its identification information, and a contract validation request including the identification information. Receiving means for receiving, and contract data for generating contract data for subsequently validating a part or all of the contents of the insurance specified by the identification information included in the request upon receiving the contract validation request Generating means. Various information can be used as identification information for identifying the contents of insurance.
In the narrow sense, it is the name data of the insurance and the identification code for identifying it, but by associating the insurance with the event related to the insurance, it is possible to identify the name data of the event or identify the event Can be used as the identification information.

[0007] According to this contract information processing apparatus, the policyholder temporarily registers the contents of the insurance to be contracted in advance at a time when there is a margin, and when the policyholder actually needs the insurance, the policy is registered. An operation mode is realized in which a policy validation request including insurance identification information is received and the insurance is validated, that is, the insurance policy is executed on demand. Until the contract is not activated, the premium can be set at zero or close to it, so there is no waste for policyholders, and there is no need for insurance companies to create insurance contracts in a short time. This makes it possible to operate insurance contracts that are convenient for both sides. According to this contract information processing apparatus, it is also possible to make allowances such as issuing insurance contract securities in advance based on the provisionally registered contents, so that both the contractor and the insurance company can obtain further benefits. Will be useful.

[0008] The accepting means of the contract information processing device only needs to accept a contract validation request from a contractor. For example, it is conceivable that an employee of an insurance company accepts from an input means such as a keyboard and a mouse in accordance with a contractor's instruction by a document, an email, or the like. However, from the viewpoint of reducing the work load on the insurance company, a contract information processing device including a unit that enables communication with a communication terminal device operated by a contractor, and the receiving unit is
The contract validation request is received by communication from the communication terminal device. By making the communication terminal device a portable communication terminal device, the contractor can freely access the contract information processing device without choosing a place.

In particular, when a portable communication terminal device having information processing means is used, a predetermined program enabling communication can be transmitted from the contract information processing device to the communication terminal device when performing communication. By configuring, even if the communication terminal device does not have any special function other than the information processing means, communication with the contract information processing device becomes possible.

In order to make provisional registration easier, basic data recording means for recording basic data indicating a basic insurance combination prepared in advance among a plurality of types of insurance combinations that can be contracted, Means for generating display data for hierarchically displaying the combination of insurance indicated by the data on the communication terminal device for each event related to the basic data;
Means for specifying the type of event and insurance selected by the contractor based on the screen displayed on the communication terminal device based on the display data, and providing the contents of the insurance provisionally registered to the communication terminal device. May be configured to be determined interactively with the contractor through. Further, the system further comprises means for arbitrarily modifying the insurance combination indicated by the basic data according to the contract purpose of the contractor, and determining the contents of the insurance to be temporarily registered based on the modified insurance combination. May be.

The basic data indicates, for example, an example of an insurance combination that is easy to use for a contractor, an example of a typical insurance combination for a certain event, or an example of a characteristic insurance combination. The contractor can determine the insurance combination he wants to contract by referring to such an insurance combination example, which is convenient for the contractor. The policyholder can use the insurance combination indicated by the basic data as the insurance combination of his or her choice. Such simplification of the processing further reduces the burden on the contractor.

Specifically, the temporary registration means is for temporarily registering one or more types of insurance combination patterns selected by the contractor for each event, and the patterns are uniquely identified by unique identifiers. Is configured to be identified. In this case, a plurality of identifiers may exist for the same event. This means that you may want to take different types of insurance based on differences in the situation of going to a dangerous area or a safe area, even for a single event “going abroad”. This is taken into account. Therefore, if a plurality of identifiers are recorded in the same event, it is possible to create a "width" of which one to select, so that it is easy for a contractor to realize an easy-to-use insurance form.

[0013] The contract information processing apparatus may further comprise insurance premium data generating means for generating insurance premium data indicating the insurance premium of the activated insurance contract based on the contract data. In this way, the insurance premium when the insurance contract becomes effective can be immediately calculated. If the calculated premium is presented to the contractor before the contract data is finally generated, the contractor can grasp the premium in advance before finally activating the insurance contract. Become like As a result, the policyholder does not have to worry about the charges at the time of the insurance contract.

According to the contract information processing method of the present invention, the policyholder temporarily registers the contents of the insurance scheduled for the contract in association with the identification information, the process for receiving a contract validation request including the identification information, the contract At the time of receiving the activation request, at least executing the processing of generating the contract data for subsequently validating a part or all of the contents of the insurance specified by the identification information included in the request at least in this order A contract information processing method using a computer.

A computer program according to the present invention is a computer program for causing a computer to operate as the contract information processing apparatus described above.

[0016]

Embodiments of the present invention will be described below with reference to the drawings. [First Embodiment] FIG. 1 is a diagram showing an example of a hardware configuration of a network system according to an embodiment of the present invention. This network system includes a contract information processing apparatus S connected to the Internet N and a mobile phone T capable of performing interactive (two-way) communication with the contract information processing apparatus S.

<Configuration of Mobile Phone> The mobile phone T allows a contractor or a person who desires a contract (hereinafter, simply referred to as a “contractor”) to the contract information processing apparatus S from an arbitrary place, At this point, predetermined information is input to the contract information processing apparatus S, and is thereby used to obtain necessary information from the contract information processing apparatus S. That is, it is used as an information tool for realizing an on-demand policy in an insurance contract. In the present embodiment, an intelligent mobile phone having a display, a numeric keypad, and information processing means, that is, a contractor ID, a password, and other data are generated in accordance with the operation contents of the numeric keypad, and these are contracted via the Internet N It is assumed that the mobile phone has a function of sending the information to the information processing apparatus S. The mobile phone T further has a browser program for forming a browser screen on its display. The browser program may be installed in the mobile phone T from the beginning. For example, some processing from the contract information processing apparatus S such as “Java applet (Java is a trademark of Sun Microsystems, USA)” May be sent out each time is executed.

<Configuration of Contract Information Processing Apparatus> The contract information processing apparatus S is composed of one or more computers. In the example of FIG. 1, an example in which one general-purpose computer is used is shown. The illustrated computer includes output devices such as a liquid crystal display and a printer, input devices such as a keyboard and a mouse, a communication mechanism for performing communication via the Internet N, an external storage device such as a hard disk,
A disk drive is connected, a recording medium MS such as a CD-ROM or a DVD-ROM is inserted into the disk drive, and the computer program of the present invention recorded on the recording medium is installed in an external storage device. As a result, the computer operates as the contract information processing device S.

The computer program of the present invention may be provided to a computer from an external program server via a network N, in addition to being recorded on a recording medium MS and installed in the computer. The computer program alone may form a necessary function for operating as a contract information processing apparatus, and may cooperate with an operating system (OS) installed in the computer to perform a required function. It may form a function.

In this embodiment, the functions shown in FIG. 2 on the computer, that is, the input control unit 10, the communication control unit 20, the output control unit 3,
0 and the functions of the main control unit 40, thereby forming the contract information processing apparatus S. The input control unit 10 performs control for receiving various data input from a keyboard KB as an example of an input device and inputting the data to the main control unit 40. The communication control unit 20 performs control for enabling interactive communication with the mobile phone T via the Internet N. The data received by the communication control unit 20 is also input to the main control unit 40. The output control unit 30 includes a display DP as an example of an output device.
Alternatively, control for outputting data to the printer PR is performed.

The main control unit 40 performs overall control of the entire contract information processing apparatus. The input control unit 10, the communication control unit 20, and the output control unit 30 are controlled by the main control unit 40. It is designed to work with. The main control unit 40
Also, by information processing using a main memory (not shown),
It manages data on events and manages data on insurance contracts for each event. For this purpose, as shown in FIG. 3, a selection data recording section 41 and a contract data recording section 4 are stored in predetermined areas of predetermined data recording means (external storage means or the like connected to a computer) not shown.
3 and the basic data recording unit 45 are constructed and made into a database, and the functions of the contract data generation unit 42, the program transmission unit 44, the image data generation unit 46, the insurance premium calculation unit 47, and the data management unit 48 are appropriately formed.

The selection data recording section 41 records data relating to a plurality of types of events and a plurality of types of insurance prepared for each event. The event data is mainly prepared to make it easy for the policyholder to select the type of insurance, but the event may lead to insurance as it is. Event data is hierarchically recorded in the selection data recording unit 41 as necessary. The upper event is provided to make it easier to narrow down the lower event. Usually, an event that can be comprehensively grasped is defined as an upper event, and an event associated with the upper event and limited to a specific purpose is defined as a lower event. For example, when an event such as “leisure insurance” is set as an upper event, an event such as “golf” and “fishing” is a lower event of the “leisure insurance”.

The lowest-level event is associated with insurance-related data that may be required in the event. For example, regarding "injury insurance" that may be required at the event, "injury treatment actual expenses", "injury treatment actual expenses", "illness treatment actual expenses", "illness treatment actual expenses", "overseas compensation", "portable goods", Data related to insurance such as “relief cost” is associated with the data. Selection data recording unit 41
In addition to the hierarchical events described above and the insurance data prepared for them, identify one or more pre-selected insurance combinations as policyholders may need To record the information together with data for specifying the personal information of the contractor. In the present embodiment, such data for specifying insurance for each contractor or a combination thereof is referred to as “selection data”.

The contract data generation unit 42 is used to activate an insurance contract for an event to be executed when one of a plurality of events determined in advance by the contractor is executed. Is generated. "Validate" refers to exerting the same effect as actually entering into a contract between the policyholder and the insurance company. The contract data recording unit 43 records the generated contract data for each contractor.

The program transmitting section 44 transmits the result data of the information processing executed in the mobile phone T to the contract information processing apparatus S
For sending to the user, for example, the above-mentioned Java
The applet is transmitted to the mobile phone T that has requested transmission.

The basic data recording unit 45 stores a plurality of types of events independently prepared by the contract information processing apparatus S and insurance (including a plurality of types) corresponding to each event, regardless of the contractor. Of these, to specify the pattern of the greatest common divisor, the pattern of the combination that is the highest from the viewpoint of insurance premiums but is the widest from the viewpoint of the coverage, and the combination of the patterns that can cover the minimum required coverage Data (referred to as "basic data" in this embodiment) is recorded.

The image data generator 46 generates an interface screen (image) to be displayed on the display of the mobile phone T. As the interface screen, for example, a screen for prompting the contractor to input authentication data, a screen for narrowing down a plurality of types of events prepared in advance and the type of insurance, A screen for inputting and modifying a combination of insurance to be applied, a screen for inputting a contract activation request when executing an event, a screen for confirming the contents of data transmitted from the contract information processing apparatus S, etc. There is. These interface screens are transmitted to the mobile phone T as display data including an image, and the corresponding screen is displayed on the display of the mobile phone T.

The insurance premium calculation unit 47 receives the contents of the insurance to be provisionally registered, the contract validation request, or the time data indicating the start and end of the contract of each insurance received from the portable terminal T. The insurance premium for the insurance of the policyholder operating the terminal T is calculated, thereby generating insurance premium data. The insurance premium data is transmitted to the mobile phone T for confirmation, or transmitted to a financial institution system (not shown) when the insurance contract is activated.

The data management unit 48 comprehensively manages the processing for the selection data, the basic data, and other data, the recording of the data processing result in the corresponding area, the reading and processing of the recorded data, and the like. Specifically, the process of activating an insurance contract on demand is realized.

<Operation of Contract Information Processing> Next, the operation of the contract information processing apparatus S configured as described above will be described. The operation of the contract information processing apparatus S is roughly divided into an operation for temporarily registering an insurance contract and an operation for generating contract data. The provisional registration refers to registering one or more insurance contents selected by the policyholder together with the policyholder's personal information as a stage prior to the activation of the insurance contract. Contract data generation refers to activating part or all of the provisionally registered insurance content. Hereinafter, these will be described in detail.

<< Temporary Registration >> An operation for temporarily registering an insurance contract will be described with reference to FIG. FIG. 4 is a processing procedure diagram in the main control unit 40 of the contract information processing apparatus S. The contractor who performs temporary registration operates the mobile phone T to make an access request (a request for temporary registration) to the contract information processing apparatus S. The main control unit 40 receives the access request (S101), and sends a program (for example, a Java applet) for causing the mobile phone T to execute the following processing to the program transmission unit 4
4 to the mobile phone T (S102). After the transmission of the program, the process proceeds to an authentication process (S103). The authentication process is a process for confirming whether a person who has accessed the contract information processing apparatus S is a valid contractor.
Specifically, a contractor ID and a password assigned to the contractor in advance are stored in a contractor information area (not shown),
The authentication data received from the mobile phone T is compared with the contractor ID and password stored in advance, and whether or not they match is determined based on whether they match. If they match, the accessing contractor is determined to be legitimate, and subsequent procedures are permitted. If it is not a valid person, the process ends there.

If the access is made by a legitimate person, the main control unit 40 performs selection data generation processing (S10).
4). The process begins with a process that allows the policyholder to select an event that may require insurance and a type of insurance that may be needed. When the events are set hierarchically, the lowest event is selected. When selecting the lowest event, first, a screen for allowing the contractor to select a higher event is displayed on the display of the mobile phone T. Prior to this display, a screen for explaining the hierarchy and the contents of each insurance, and guidance information on the company overview and the introduction of the agency may be displayed on the display.

FIG. 5 is a diagram showing an example of a screen displayed on the display of the mobile phone T regarding generation of selection data. In the example of FIG. 5, "auto insurance", "accident insurance", "leisure insurance", and "other" are displayed as the top events that can be selected by the contractor. The contractor operates the input device of the mobile phone T and clicks any one of these characters, or displays “11”, “22”, “33”, By inputting one of the codes "44", the user selects one of the items which is likely to be relevant to the insurance which he / she needs. If you enter a code, it will be paired with "auto insurance", "accident insurance", "leisure insurance"
The same effect as when "other" characters are clicked is produced.

The data selected by the contractor in this way is sent to the main control unit 40 through the communication control unit 20.
The main control unit 40 generates display data for displaying the type of insurance related to the data selected by the contractor on the display of the mobile phone T. This processing is specifically performed by the image data generation unit 46 under the control of the data management unit 48. The image data generation unit 46 searches for data corresponding to the data selected by the contractor from among a plurality of types of insurance-related data prepared in advance, and generates display data. The main control unit 40 includes the communication control unit 20
To cause the display data to be transmitted to the mobile phone T.

When "accident insurance"("22") is selected in FIG. 5, a screen as shown in FIG. 6 is displayed on the display of the cellular phone T based on the display data. . The screen of FIG. 6 includes an event of “accident insurance” which is a higher-level event, “additional contract a for additional insured person”, “domestic event b”, and “overseas event c”.
Is displayed. Referring to FIG. 7, which shows the relationship between hierarchical events prepared in the contract information processing apparatus S in advance, "accident insurance" includes "additional contract a for additional insured person", "domestic event b", And "Overseas event c"
Is provided as a lower event.

The codes “a”, “b”, and “c” indicate that each event has a selectable insurance type. If no lower-level event is prepared for each event, the event and a list of insurances that can be selected for the event are immediately displayed. If the subcode field on the screen is left blank when the event in FIG. 5 is selected, all lower-level events for which the subcode is set are displayed. Fig. 6 is "Injury insurance"
This is a display example in the case where the subcode column is left blank when is selected. When the event shown in FIG. 5 is selected, "a", "b", and "c" may be input in the subcode field of the screen (or these may be displayed in advance, and the contractor may select the event by clicking or the like). ) And a list of insurances corresponding to it will be displayed immediately.

The screen shown in FIG. 6 prompts the contractor to select information (event / insurance type) located at a lower level. The contractor clicks one of the words "Additional contract for additional insured", "Domestic event", and "Overseas event" on the screen, or clicks "a", "b",
By entering any code of "c",
One of the lower events of "accident insurance" will be selected. Here, it is assumed that “overseas event c” has been selected. Data representing the selected event is transmitted to contract information processing device S.

The above data sent from the mobile phone T is
It is transmitted to the main control unit 40 (data management unit 48). The data management unit 48 controls the image data generation unit 46 based on this data, and reads out the basic data on “overseas event c” from the basic data recording unit 45. Then, the combination of insurance specified by the basic data is stored in the mobile phone T.
The image data generating unit 46 generates display data to be displayed on the display of the image data. This display data is
It is transmitted to the mobile phone T by the communication control unit 20.

As a result, a screen as shown in FIG. 8 is displayed on the display of the mobile phone T. This screen shows the selected sub-event, "Overseas Event", along with the insurance that may be required for that event, that is,
“Injury treatment actual expenses (5 million yen)”, “Injury treatment actual expenses (3
Million yen), “Actual cost of disease treatment (5 million yen)”, “Actual cost of disease treatment (3 million yen)”, “Overseas reparation (100 million yen)”, “Carrying goods (1 million yen), "10,000 yen" and "rescue cost (3 million yen)" are displayed as examples of basic data. Then, on the right side, a combination of ○ and × symbols is also displayed as an example of a combination of insurance. ○ means that the insurance contract is made, and × means that the insurance contract is not made.

Each of the characters "X", "Y" and "Z" is information for specifying an example of a combination of insurance, for example, "X"
The insurance combination shown in the table below is that the actual cost of injury treatment (5 million yen) is not applied, the actual cost of injury treatment (3 million yen) is applied, the actual cost of disease treatment is not applied (5 million yen), the actual cost of disease treatment is 3 million yen (3 million yen). ), Overseas compensation (100 million yen), personal belongings (1 million yen, self-paid 10,000 yen), and no rescue costs (3 million yen). .

The contractor selects a required insurance combination with reference to the display as shown in FIG. For example, when the contractor clicks any one of “X”, “Y”, and “Z” and that is confirmed on the contract information processing device S side, the insurance combination specified by the character is
It is specified as insurance in "overseas event c" or a combination thereof.

When the insurance or a combination thereof is specified, a screen as shown in FIG. 9 is displayed on the display of the mobile phone T. This screen is an example of a case where the contractor clicks on the above “X” as it is. When this screen is displayed, when it is confirmed that the contractor has performed an input operation for determination, the main control unit 40 directly specifies the specified insurance or the combination thereof in the “overseas event c”. Determined as insurance or a combination thereof. At this point, if the contractor wishes to modify the insurance or a combination thereof, the cursor is moved to one of the symbols ○ and × displayed on the screen of FIG. 9 and clicked. Then, ○ changes to x and x changes to ○. In this way, the policyholder can determine his or her preferred insurance combination.

On the other hand, in FIG. 8, "X", "Y",
When it is confirmed that the contractor has not clicked any of the characters “Z”, the screen illustrated in FIG. 10 is displayed on the display of the mobile phone T. On this screen, all the columns where 図 and × are displayed in FIG. 9 are blank. In this case, the contractor enters ○, × in the blank column.
Are sequentially input, a combination of insurances to be contracted is provisionally selected. Specifically, when the cursor is moved to the corresponding column and a predetermined input operation is performed, the display of the column becomes
○ → × → ○ → × → ... By repeating such an input operation for all the fields and finally performing an input operation for determination, it is possible to determine a combination of insurances that the user prefers.

Data indicating insurance or a combination thereof for each contractor determined as described above is the above-mentioned "selection data". The selection data is transmitted from the mobile phone T to the contract information processing apparatus S, and is associated with the contractor's personal information, each event, and identification data for specifying the same, and the main control unit 40 (data management Part 48)
The data is recorded in the selection data recording unit 41.

Returning to FIG. 4, the main control unit 40 performs a process for asking the contractor for an intention to generate further selection data (S105). Specifically, the data management unit 48 causes the image data generation unit 46 to generate display data for displaying a screen for asking the intention of generating further selection data on the display of the mobile phone T. Then, this display data is transmitted from the communication control unit 20 to the mobile phone T. When the contractor inputs an intention to generate further selection data on the mobile phone T (S105:
Yes), the process in step S104 is repeated.
In this case, for the same event, "accident insurance",
Further, the process of generating the selection data may be repeated under different conditions, or the process of generating the selection data may be performed by switching to another event such as "auto insurance", "leisure insurance", or "other". . If the contractor has performed an input operation not to generate further selection data, the process for generating selection data ends (S105: N).
o).

FIG. 11 shows an example of selection data for a contractor generated through the above-described processing and contents temporarily registered based on the selection data. In this example, an example is shown in which insurance is selected for all of "auto insurance", "accident insurance", "leisure insurance", and "other". Further, an example is shown in which a plurality of insurances are combined under different conditions for the same event.

For example, with regard to “auto insurance”, four types of insurance, “compensation (unlimited)”, “vehicle (market price)”, “personal injury (200 million yen)”, and “negotiation of negotiating negotiations” are selected. Which insurance is selected at the time of the condition can be identified by three identifiers “A”, “B”, and “C”. This identifier is the "X" above,
It is the same as "Y" and "Z". In the identifier of “A”, all of “reparation (unlimited)”, “vehicle (market value)”, “personal injury (200 million yen)”, and “discussion negotiation” are all selected (selection is indicated by ○). , "B", "compensation (unlimited)", "vehicle (market price)", and "discussion negotiation" are selected, and "C" is only "compensation (unlimited)". Is shown. By combining the code “11” indicating “auto insurance” with the identifier “A / B / C”, any one can be specified. For example, "11-B" indicates "auto insurance".
Can be specified in combination with “B”. The data represented by “11-B” is referred to as “identification data”.

When there is a lower event, for example, when there is a combination of a plurality of insurances for "overseas event c" in "accident insurance", the identification data is, for example, "22-c
-D ". "22-c
"-D" is associated with the "overseas event" specified by the code "c" in the "accident insurance" specified by the code "22", and is the identifier "D". The combination of the insurances "x, o, x, o, o, x" specified in the above, that is, the insurance for the actual cost of injury treatment (5 million yen) and the actual cost of disease treatment (5 million yen) is selected. It is shown that. The same can be said for other events.

In this way, the temporary registration operation is performed. The process of generating the selection data is performed by the interactive communication with the mobile phone T as described above, or by the input control unit 10 of the contract information processing apparatus S.
The information may be received from a keyboard KB included in the contract information processing apparatus S or another information processing apparatus connected to the Internet N.

<< Contract Data Generation >> Next, the operation of contract data generation will be described with reference to FIG. FIG. 12 is a procedure diagram of a process executed in the main control unit 40 for generating contract data. Upon receiving an access request from the contractor through the mobile phone T (in this case, a contract activation request) (S201), the main control unit 40 executes a program (Java applet) for causing the mobile phone T to execute the following processes. ) From the program transmission unit 44 to the mobile phone T
(S202).

Thereafter, an authentication process is performed (S203).
The content of the authentication process is the same as that of the temporary registration. If the accessing person is a legitimate contractor, the subsequent procedure is permitted, and if not, the process is terminated there.

If the access is from a valid contractor, the main control unit 40 first executes a process for selecting an event (S204). This process is for allowing the policyholder to select which of the provisionally registered insurance contents need to be activated, and if the events corresponding to the insurance are expressed hierarchically, Is executed as a process for selecting the lowest event.

In selecting an event, the main control unit 40
Displays on the display of the mobile phone T an interface screen for causing the contractor to perform an operation of narrowing down events from the upper event to the lower event. Prior to this, the relationship between events related to the contents of the provisionally registered insurance, the procedure after the insurance is activated, and other guidance information may be displayed on the display of the mobile phone T.

The interface screen for narrowing down the events may be generated by the image data generator 46 only for inputting a contract activation request. For example, as shown in FIG. The contents shown in FIG. 5 can also be used. Here, the latter example is shown for convenience. As described above, the details of insurance provisionally registered for the contractor are as illustrated in FIG. Therefore, the mobile phone T when the subscriber accesses
5 shows the contents as shown in FIG. 5, that is, the upper events and subcode columns of "auto insurance", "accident insurance", "leisure insurance", and "other" as the event selection. The contractor operates the input device of the mobile phone T to select one of these higher-level events.

Upon receiving the data of the selected upper event from the mobile phone T, the main controller 40 performs a process for displaying a screen for selecting the lower event on the display of the mobile phone T. For example, accident insurance
However, when the event is selected as the upper event, a screen as shown in FIG. 6 is displayed on the display of the mobile phone T. The content of the process executed by the main control unit 40 at this time is as follows.
It is the same as the case of temporary registration. When the contractor selects a lower event, the main control unit 40 displays a screen for selecting a combination of insurance provisionally registered corresponding to the event on the display of the mobile phone T. For example, if “overseas event c” is selected from “injury insurance”, the screen of the content as shown in FIG. 13 on the display of the mobile phone T, that is, of the content of the temporary registration shown in FIG. Only the contents of the “overseas event c” cut out are displayed.

When an event having no lower event is selected as an upper event at the time of event selection, a screen showing information indicating the type of insurance associated with the upper event or a combination thereof is displayed. It is displayed on the display of the mobile phone T. For example, in the example of FIG. 6, when “auto insurance” is selected as the upper event, the screen as shown in FIG.
To be displayed on the display. The screen shown in FIG. 14 is also the content of the content of the provisional registration shown in FIG. As described above, the event selection process is executed.

Returning to FIG. 12, when the event selection process is executed, the main control unit 40 executes a process of determining the number of data for selection temporarily registered for the selected event (S205). If it is determined that there is one selection data (S205: Yes), a process for provisionally determining one or more types of insurance specified by the selection data as insurance to be activated. (S20)
5: Yes, S206). Then, a screen showing the contents is displayed on the display of the mobile phone T. For example,
As shown in FIG. 11, there is one selection data for "Stalker insurance d" and "Student insurance e" belonging to "Others". Therefore, if such an event is selected, the insurance to be activated is the insurance for “daughter enrollment and employment” (in the case of stalking insurance) or the insurance at the time of birth of a child (school insurance e). Case).

On the other hand, if it is determined that there is a plurality of selection data for the selected event (S205: No),
The main control unit 40 performs a process for causing the contractor to select one of the plurality of selection data (S207). For example, as shown in FIG. 13, when "overseas event c" is selected from "accident insurance", six selection data are temporarily registered, such as "A" to "F". Therefore, a screen as shown in FIG. 13 is displayed on the display of the mobile phone T, and the contractor is caused to select any one of “A” to “F”. The contractor looks at the displayed screen and clicks any of the codes “A” to “F” or directly inputs any of these codes from the input device, thereby selecting one of the selection data. Choose one. Thereby, the content of the same identification data “22-cA” to that generated at the time of the temporary registration
“22-cF” is determined. This identification data is transmitted to contract information processing device S.

The main control unit 40 receives the identification data, and performs processing for provisionally determining one or more types of insurance specified thereby as insurance to be activated (S206).

For example, in the example of FIG. 13, when the contractor has selected the selection data of “A” (when the identification data is “22-cA”), the injury treatment actual cost (500
10,000 yen) insurance, the actual cost of disease treatment (5 million yen),
The insurance for overseas compensation (100 million yen), the insurance for personal belongings (1 million yen, self-paid 10,000 yen), and the insurance for rescue expenses (3 million yen) are tentatively determined as insurance to be validated. When the contractor selects any of "B" to "F", the same processing as in the case of "A" is performed.

When "auto insurance" is selected, three selection data are temporarily registered, so that a screen as shown in FIG. 14 is displayed on the display of the mobile phone T, and "A""To" C ". If it is confirmed that “A” is selected by the contractor (when the identification data is “11-A”), “Compensation (unlimited)”, “vehicle (market price)”, “personal injury (200 million yen) ) ",
Provisionally determine all insurances in the "negotiations" as insurance to be validated.

Thereafter, in order to confirm with the contractor whether the contract is actually valid with the provisionally determined insurance contents, the provisionally determined contents grasped by the present apparatus are read by the mobile phone T.
(S208). If the contractor who sees this display confirms that he or she has input data on the intention to accept the content from the input device of the mobile phone T (S208: Yes), the provisionally determined content is validated as it is. This decision is made as the target insurance (S
209).

On the other hand, in step S208, if the contractor inputs from the mobile phone T an indication that the provisionally determined contents are not good (S208: No), the process proceeds to the correction processing of the provisionally determined contents (S208: No). S210). This correction processing is performed when the situation of the contractor, the environment changes, or when there is an input error when generating the selection data,
This is a process of correcting the temporarily registered insurance contents to those based on the current situation. As a specific process, the same process as in the case of determining the combination of insurance at the time of generating the selection data described above is performed. When the contents of the provisional registration are modified to the contents according to the current situation, the modified insurance contents are determined as new insurance contents to be validated (S209). In order to simplify the contract procedure, S206, S208, and S210 may be omitted.

Next, the main control section 40 performs a process for prompting the contractor to input other information necessary for the contract (S
211). Each of the insurances that appear in this embodiment are:
Since it is necessary to specify the start and end of the insurance contract, the "other information" to be entered here includes data on the start and end of the insurance contract for the target insurance. The process here is specifically performed as follows. First, when the type of insurance to be activated is determined, a screen showing the contents of the insurance is displayed on the display of the mobile phone T.

For example, when the type of insurance to be activated is determined based on the specific selection data for “overseas event c”, a screen as shown in FIG. 15 is displayed on the display of the mobile phone T. In the example of FIG. 15, “departure date and time”, which is the beginning of an overseas trip, which is an example of an overseas event, “scheduled return date”, which is the end of the event (overseas travel), “destination”, and “boarding machine” , “Traveler”, “companion name”, and the like are listed as items to be entered by the contractor.

Similarly, when the type of insurance to be activated is determined for “vehicle (market value)” under “auto insurance”, a screen as shown in FIG. 16 is displayed on the display of the mobile phone T. . In this case, the start of the event (car driving) is "boarding start date and time", and the end is "scheduled to end boarding", "body number", "model", "registration number", "first year registration date" , “Vehicle owner” and the like are listed as items to be entered by the contractor.

Naturally, if the contents of the items shown in FIGS. 15 and 16 are known at the stage of the temporary registration, it means that the contents have been input at the stage of the temporary registration. Screens as shown in FIGS. 15 and 16 are screens for confirming or partially correcting item contents.

When the input processing of other information is completed, the main control unit 40 executes an insurance premium calculation processing (S21).
2). This processing is specifically executed by the insurance premium calculation unit 47 in accordance with an instruction from the data management unit 48. The insurance premium calculation unit 47 includes a table used for calculating insurance premiums, that is, an insurance premium calculation table, in an external storage device (not shown) for all insurances supported by the present apparatus. Based on the data for specifying the type, the data based on the various information input in step S211 and the functions and calculation parameters recorded in the corresponding table, the individual premiums and their sums are calculated. Go.

FIGS. 17 and 18 show examples of the procedure for calculating the insurance premium in the insurance premium calculation unit 47. FIG. FIG. 17 conceptually shows the procedure for calculating the insurance premium for the insurance covered in the “overseas event c”. "Injury treatment"
-"Relief cost" indicates the type of insurance that the contractor wishes to activate as described above, and is "5,000 thousand yen"-"3000".
"Thousand yen" is the insurance money that can be compensated for by each insurance, and "5,000 thousand yen * 5" showing the state of calculation for calculation.
* 0.14 is based on the function recorded in the premium calculation table for overseas events, where "5" is the annual premium per 1000 yen of compensation and "0.14" Are the period coefficients corresponding to the travel period (insurance period). These are the parameters used to calculate the premium for this insurance. The numbers shown in the rightmost column of FIG. 17 are the insurance premiums for the individual insurances, and those at the bottom of the right column are the insurance premiums required by activation.

FIG. 18 conceptually shows the procedure for calculating the insurance premium for the insurance covered by "vehicle (market value)". “Vehicle insurance fee reading: 3.5 million yen” is an insurance money that can be compensated by this insurance, and represents “50000 yen * 1.464 * 0.
“091” is based on the function recorded in the insurance premium calculation table for “vehicle (market value)”, and “5000 yen” is the annual insurance premium corresponding to the standard insurance amount of 1,000,000 yen. “1.464” is the insurance amount 350
In the lift coefficient corresponding to ten thousand yen, "0.091" is a parameter as a period coefficient corresponding to a period (insurance period) during which the vehicle is boarded. The number shown at the bottom of FIG. 18 is the insurance premium. Similar to “vehicle (market value)”, premiums are calculated in the same way for “compensation (unlimited)”, “personal injury (200 million yen)”, and “discussion negotiations” that belong to lower events of “auto insurance”. Is done.

After calculating the insurance premium in this manner, the main control unit 40 reports the calculation result (the number at the bottom of the right column in the example of FIG. 17 and the number at the bottom of the example in FIG. 18) to the mobile phone T. To be displayed on the display and obtain the consent of the contractor. If it is confirmed from the operation content of the mobile phone T that the contractor does not understand, the processing after the above event selection is performed again.

When the contractor confirms that the contractor has accepted, the main control unit 40 executes contract activation processing for all the insurances desired by the contractor (S213). That is,
Contract data is generated based on the contents of the insurance contract determined by the above-described series of procedures, and this is stored in the contract data recording unit 4.
Record in 3. This process is specifically performed by the contract data generation unit 42. Further, it causes the screen data generation unit 46 to generate a contract confirmation screen in which the contents of the contract data are displayed in a list, and displays this on the display of the mobile phone T.

FIG. 19 shows a contract confirmation screen for “overseas event c” for which the insurance content has been confirmed as described above.
FIG. 20 is a contract confirmation screen for “auto insurance”. FIG. 20 shows the contents of all the insurances belonging to the lower rank of “auto insurance”. At the stage when these are displayed, in principle, partial correction of the contents is not accepted, but it is not impossible as a matter of operation to accept them. When the contract data is generated, the main control unit 40 may transmit an e-mail indicating the contents to the portable terminal T of the contractor. The operation of generating the contract data is performed as described above.

The contract data recorded in the contract data recording section 43 can be used, for example, in a device for issuing an insurance policy (not shown) as information indicating information to be written in the insurance policy. Further, when cooperating with a system provided in a bank or other financial institution handling a contractor's account, it can be used as settlement information for the contractor. As a result, the payment can be automated. In addition, if the insurance company manages each contractor after setting up a comprehensive management course for insurance premium allocation, the insurance company can also use the information as payment information therefrom.

[Second Embodiment] Next, a second embodiment of the present invention will be described. Here, an example is shown in which the operation in the contract information processing system S described in the first embodiment is further simplified. For convenience, a mobile phone T as an example of a terminal device
And the basic configuration of the contract information processing apparatus S are the same as those of the first embodiment (the same reference numerals are used as those used in the first embodiment). In this embodiment, unlike the first embodiment, the selection data recorded in the selection data recording unit 41 is 1
There is only one for one event.

The operation of the contract information processing system S according to this embodiment will be described below. << Temporary Registration >> The procedure of temporary registration in the second embodiment is shown in FIG.
It looks like 1. FIG. 21 shows a procedure executed by the main control unit 40 of the contract information processing apparatus S. S301-S
The processing up to 304 is performed in steps S101 to S104 in FIG.
Is the same as the processing of

In this embodiment, a process for confirming the intention to generate selection data for another event is executed instead of the process for confirming further generation of selection data for one event in FIG. I do. The main control unit 40 causes the screen data generation unit 46 to generate screen data for displaying a screen for that on the display of the mobile phone T. This screen data is transmitted from the communication control unit 20 to the mobile phone T. As in the case of the first embodiment,
The process of generating the selection data is not repeated for the same event. When it is confirmed from the operation content of the mobile phone T that the contractor has performed an intention to generate selection data for another event (S30).
5: Yes), and performs a selection data generation process for the other event (S304). When it is confirmed from the operation content of the mobile phone T that the contractor has performed an intention to not generate the selection data for another event, the provisional registration selection data generation processing ends. (S
305: Yes).

FIG. 22 shows an example of selection data for a contractor generated through such processing and contents temporarily registered based on the data. The structure of the temporarily registered data is substantially the same as that of the first embodiment shown in FIG. 11, but in the example shown in FIG. 11, for example, “compensation (unlimited)” which is a lower event of “auto insurance” , "Vehicle (market value)", "personal injury (200 million yen)", and three selection data "A", "B", and "C" indicating the pattern of each combination in the case of "discussion negotiation". Although the selection can be made, in this embodiment, there is only one combination.
The same applies to “accident insurance”, “leisure insurance”, and “other”. The identifier for identifying each insurance combination in this case is “1” for “auto insurance”.
The code “22-c” is assigned to “overseas event c” below “1” and “accident insurance”.

<< Contract Data Generation Processing >> FIG. 23 shows the procedure of contract data generation processing. 23, the procedure of steps S401 to S404 is the same as that of FIG.
This is the same as Steps S201 to S204 of Step 2.

In this embodiment, when an event is selected at the time of a contract activation request, the insurance specified from the insurance selection data for the event is immediately determined as the insurance to be activated ( S40
5). Since there is only one piece of selection data associated with one event, it is necessary to determine whether there is a plurality of pieces of selection data or to make the contractor select one of the pieces of data when there are a plurality of pieces of selection data. The processing as in the embodiment becomes unnecessary.

When the insurance to be activated is determined, a process for prompting the contractor to input other information necessary for the contract is executed (S406). Since each of the insurances in this embodiment needs to specify the start and end of the insurance contract as described above, other information to be entered includes the start of the insurance contract for the insurance to be contracted. And data about the end. Next, as in the case of the first embodiment, the insurance premium calculation process (S40)
7), a contract activation process is executed (S408).

In the second embodiment, since only one selection data exists for one event, the temporary registration (recording of the selection data in the selection data recording unit 41) is completed at the stage where the registration is completed. Issuance of policy for policyholders. This insurance policy describes the contents of the insurance specified by the selection data. If the term of the compensation by each insurance is described as “event notification period notified in advance”, it can be handled as the start and end of the insurance entered in step S406. In the first embodiment, such correspondence is difficult because a plurality of types of selection data exist for one event. In the first embodiment, usually, contract data generation, contract data recording unit 4
After the record in 3 is made, the insurance policy will be issued. In this respect, the advantage of the second embodiment is obtained.

As described above, by using the contract information processing apparatus of the present invention as a tool for supporting a procedure for an insurance contract, an on-demand system convenient for both the contractor and the insurance company in the procedure. An operation form of insurance business is realized.

In particular, for a contractor, all risks that he or she feels when taking action, such as the risk of encountering a traffic accident (victim / perpetrator), the risk of injury or loss of belongings in and outside Japan In addition, while securing the opportunity to comprehensively compensate for the risk of damage incurred during leisure with insurance, if you do not actually take action, it will be the same situation as if you did not take insurance at all Therefore, there is an advantage that a chance of obtaining insurance without waste can be obtained.

Since the contents of the provisional registration can be modified afterwards, the compensation omission can be eliminated by correcting the contents of the provisional registration while confirming the contents of the provisional registration whenever possible. There is an advantage that can be.

Further, the contract activation request for validating the contents of the temporary registration is not necessarily issued immediately before the execution of the event, but is issued at the time when the start and end of the event are determined. Another advantage is that you do not need to sign an insurance policy when you are busy preparing for the event.

Further, at the time of provisional registration and contract activation, the contents of the contract (including the fee) can be confirmed while interactively communicating with the contract information processing apparatus S, so that the insurance contract can be activated with confidence. There is also the advantage of becoming.

On the other hand, the insurance company autonomously selects, from the contractor's side, an insurance plan that is optimal for the contractor, and inputs necessary data regarding the insurance contract to the contract information processing apparatus S. Therefore, there is no need to assign a person in charge of insurance solicitation or a person in charge of data entry, and there is an advantage that the operating cost of insurance business can be reduced. Lower operating costs can be a factor in reducing insurance premiums, which can contribute to expanding customers and promoting this type of insurance. Also,
Since the contents of the processing for provisional registration and contract data in the contract information processing apparatus S can be standardized, there is an advantage that the insurance business can be automated.

In the first and second embodiments, the case where the contractor inputs all the data for provisional registration and the data at the time of the contract validation request using the mobile phone T is used. Although described, this form is an example, and the present invention does not always have to be implemented in such a form. For example, the content of the temporary registration may be determined by exchanging written or electronic data in a predetermined format, and only the process for the contract activation request may be executed by communication with the mobile phone T. Also,
In the first and second embodiments, when the contractor accesses through the mobile phone T, the contract information processing device S
An example has been described in which a program such as an ava applet is transmitted and an execution result of the program is received by the contract information processing apparatus S. However, a form in which all processing to be executed by the mobile phone T is performed by the contract information processing apparatus S Is also possible. In this case, the above-described program transmission unit 44 becomes unnecessary. However, it is necessary to form a functional block equivalent to the function realized by the above program in the main control unit 40.

Further, in the first and second embodiments, the example in which the mobile phone T is used as an example of the communication terminal device has been described. However, instead of the mobile phone T, a portable type such as a PDA or a notebook personal computer is used. Other communication terminal devices may be used. Further, the data from the contractor may be input to the contract information processing apparatus S using a desktop type communication terminal device instead of the portable type.

Further, in the first and second embodiments, as a specific mechanism for realizing an on-demand type insurance contract operation form, a general combination of insurances is irrespective of the contractor. The data is recorded in the basic data recording unit 45 as data, the contents of the insurance provisionally registered for each contractor are recorded in the selection data recording unit 41, and the contract data after the contract activation processing is recorded for each contractor. Although the form of recording in 43 is adopted, this is an example, and various forms other than this embodiment can be adopted. For example, what is equivalent to the basic data may be managed in an insurance database, and the contents of the provisionally registered insurance and the contract data may all be managed in one contractor table. That is, the contractor retrieves the insurance or combination thereof for each event determined by the provisional registration from the insurance database, expresses this in the above-mentioned identification data, records the same in the contractor table, and An area for recording the contract conditions of each insurance determined at the time of provisional registration and the presence / absence of validity of the contract may be formed. This simplifies the management of insurance contract data.

[0092]

As is clear from the above description, according to the present invention, a mechanism for realizing an on-demand type insurance contract form is realized by information processing technology, so that it is easy to use for policyholders and short-term for insurance companies. It is possible to obtain an excellent effect that the insurance business can be operated without being forced to perform procedures between the companies.

[Brief description of the drawings]

FIG. 1 is an overall configuration diagram of a network system according to a first embodiment.

FIG. 2 is a schematic configuration diagram of a contract information processing apparatus.

FIG. 3 is a functional configuration diagram of a main control unit of the contract information processing apparatus.

FIG. 4 is a processing procedure diagram of temporary registration performed by a contract information processing apparatus (main control unit).

FIG. 5 is a diagram showing an example of a screen displayed on a display of a mobile phone in order to select an upper event at the time of provisional registration.

FIG. 6 is a diagram showing an example of a screen displayed on a display of a mobile phone in order to select a lower event at the time of provisional registration.

FIG. 7 is a diagram showing an example of a lower event when accident insurance is set as an upper event.

FIG. 8 is a diagram showing an example of insurance that can be selected in a lower event of accident insurance.

FIG. 9 is a view showing an example of a screen displayed on a display of a mobile phone for selecting insurance to be provisionally registered.

FIG. 10 is a diagram showing a screen displayed on the display of the mobile phone for selecting insurance to be provisionally registered.

FIG. 11 is a diagram showing an example of the content of insurance provisionally registered for a certain contractor.

FIG. 12 is a processing procedure diagram for generating contract data in a contract information processing apparatus (main control unit).

FIG. 13 is a diagram showing an example of a screen displayed on a display of a mobile phone when a higher-level event having a lower-level event is selected in a process of generating contract data.

FIG. 14 is a diagram showing an example of a screen displayed on a display of a mobile phone when an upper event having no lower event is selected in a process for generating contract data.

FIG. 15 is a diagram showing an example of a screen displayed on the display of the mobile phone when another information input process required for a contract is executed.

FIG. 16 is a diagram showing an example of another screen displayed on the display of the mobile phone when another information input process required for a contract is executed.

FIG. 17 is a diagram showing an example of a screen displayed on the display of the mobile phone after the insurance premium calculation processing has been executed.

FIG. 18 is a diagram showing an example of another screen displayed on the display of the mobile phone after the insurance premium calculation processing has been executed.

FIG. 19 is a diagram showing an example of a content confirmation screen displayed on the display of a mobile phone when the content of provisionally registered insurance is activated.

FIG. 20 is a diagram showing an example of another content confirmation screen displayed on the display of the mobile phone when the content of provisionally registered insurance is activated.

FIG. 21 is a processing procedure diagram of provisional registration in the second embodiment.

FIG. 22 is a view showing an example of insurance information provisionally registered in the second embodiment.

FIG. 23 is a processing procedure diagram of contract data generation in the second embodiment.

[Explanation of symbols]

 S Contract information processing device T Mobile phone 10 Input control unit 20 Communication control unit 30 Output control unit 40 Main control unit 41 Selection data recording unit 42 Contract data generation unit 43 Contract data recording unit 44 Program transmission unit 45 Basic data recording unit 46 Screen data generation unit 47 Premium calculation unit 48 Data management unit

Continued on the front page (72) Inventor Ryuta Fujii 1-2-1 Marunouchi, Chiyoda-ku, Tokyo Tokio Marine & Fire Insurance Co., Ltd. (72) Katsuhiko Arita 1-2-1 Marunouchi, Chiyoda-ku, Tokyo Tokio Marine Fire Insurance Co., Ltd.

Claims (11)

[Claims] 1. A provisional registration unit for provisionally registering the contents of insurance for which a contractor has scheduled a contract in association with its identification information; a reception unit for receiving a contract activation request including the identification information; A contract data generating means for generating contract data for validating a part or all of the contents of the insurance specified by the identification information included in the request upon receipt of the request. Information processing device. 2. The communication apparatus according to claim 1, further comprising: means for enabling communication with a communication terminal device operated by a contractor, wherein said receiving means is configured to receive the contract validation request from the communication terminal device by communication. The contract information processing device according to claim 1. 3. The contract information processing device according to claim 2, wherein the communication terminal device is a portable communication terminal device. 4. The communication terminal device according to claim 1, wherein the communication terminal device is a portable communication terminal device having information processing means, and transmits a predetermined program enabling communication when the communication terminal device performs the communication. 2. The contract information processing apparatus according to 2. 5. A basic data recording means for recording basic data indicating a basic insurance combination prepared in advance among a plurality of types of insurance combinations which can be contracted, Means for generating display data for hierarchically displaying on the communication terminal device for each event relating to basic data; and a contractor selecting based on a screen displayed on the communication terminal device based on the display data. Means for specifying an event and a type of insurance, wherein the contents of the temporarily registered insurance are determined interactively with the contractor through the communication terminal device. The contract information processing apparatus described in the above. 6. A method for arbitrarily modifying the insurance combination indicated by the basic data according to the contractor's contract purpose, wherein the contents of the insurance to be temporarily registered are determined based on the modified insurance combination. The contract information processing apparatus according to claim 5, wherein: 7. The tentative registration means tentatively registers, for each event, a pattern of one or more types of insurance combinations selected by a contractor, wherein each of the patterns is uniquely identified by a unique identifier. The contract information processing device according to claim 5, wherein the contract information processing device is configured to: 8. The contract information processing apparatus according to claim 7, wherein a plurality of identifiers exist for the same event. 9. The contract information processing apparatus according to claim 1, further comprising insurance data generation means for generating insurance data representing insurance premiums of an activated insurance contract based on the contract data. 10. A process in which a policyholder temporarily registers insurance contents scheduled for a contract in association with the identification information, a process for receiving a contract activation request including the identification information, and a timing for receiving the contract activation request. A step of generating contract data for validating a part or all of the contents of the insurance specified by the identification information included in the information at a later time, at least in this order; Contract information processing method. 11. A computer program for causing a computer to operate as a contract information processing apparatus, wherein the contract information processing apparatus temporarily registers insurance contents scheduled for a contract by a contractor in association with identification information thereof. Temporary registration means, reception means for receiving a contract activation request including the identification information, and upon receipt of the contract activation request, a part or all of the contents of the insurance specified by the identification information included therein. A computer program comprising contract data generating means for generating contract data for making it valid after the fact.