JP2002318920A - System for forming insurance premium accounting processing data and guide forming program for the same data - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the office work load of a corporation customer by performing the accounting processing of insurance premium payment every corporation insurance contractant. SOLUTION: In this accounting processing system related to insurance premium payment, a recording device comprises an index part for retrieving a customer and a security number, an accounting content part for recording accounting processing information for insurance premium payment, and a contract content part for recording the contents of an independent insurance contract and the security number attached to the insurance contract. The index part comprises a customer specific file for recording the customer number of the corporation contractant in conformation to the information for settlement time thereof, and a contract specific file for recording the customer number in conformation to a contract management number. The accounting content part comprises a joining form file for recording the joining form information of the insurance contract, and a payment history file for recording the payment history of insurance premium. As the customer number, a common number is assigned to the same customer, and as the contract management number, a number capable of identifying the security number and an insured person is assigned.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to accounting processing of insurance premiums paid for insurance contracts, and more particularly to a system for creating accounting processing data of insurance premiums paid for corporate customers who are policyholders, and a method of creating guidance for the data. About.

[0002]

2. Description of the Related Art Life insurance contracts are roughly classified into three types from the viewpoint of the type of contract. Individual insurance, insurance with a company as a contractor (hereinafter referred to as company contract insurance), cooperative associations, associations of members such as commercial and industrial associations, etc. (Hereinafter referred to as group contract insurance).

[0003] Individual insurance can be contracted not only by individuals but also by corporations, and it is possible to specify the contractor and the insured by the security number assigned in accordance with each contract.

[0004] Corporate contract insurance is an insurance contract in which the policyholder is a corporation and the insured is an individual (officer or employee of the corporation). In corporate contract insurance, the contents of the contract are specified by the security number assigned to the contract with the corporation and the insured number assigned to each insured.

[0005] The group contract insurance is a contractor whose member is a chamber of commerce and industry or a similar business group whose member is a corporation (hereinafter referred to as a business establishment), and whose insured person is an individual (usually a business establishment which is a member). Officers and employees). In personal insurance and corporate contract insurance, the premium payer is the same as the policyholder, but in group policy insurance, the business that is a member of the group is the premium payer instead of the policyholder. In group contract insurance, the contents of a contract are specified by a security number assigned to each business establishment and an insured person number assigned to each employee of each business establishment. In addition, an office number is assigned to each office,
The office related to the contract is managed by the security number and the office number.

[0006] In corporations, it is obliged to account for insurance premiums paid at the end of the fiscal year. Therefore, insurance companies provide corporate customers with materials describing the accounting method for the relevant insurance at the time of a new contract. Based on the materials provided, each corporation will settle annually the premiums paid for personal, corporate and group insurance.

[0007] In the accounting process, when the insurance premium paid is deducted, the debit and credit are recorded in the items of insurance premium paid and cash and deposit, respectively. However, if the contract form satisfies the prescribed conditions, it is possible to make contracts for long-term level term insurance, incremental term insurance, etc. In these contracts, insurance premiums will be paid for a prescribed period from the beginning of the insurance contract period. Is capitalized as prepayment premiums, and for the rest of the period, the full amount of premiums for each period is recorded as a loss in the same manner as general term premiums, and the accumulated prepayment costs that have been capitalized up to that point are counted toward the end of the period. It will need to be included in the write-off loss accordingly.
Many of these insurance contracts are participating because they have tax saving effects for companies and have surrender value.

By the way, regarding the method of managing contract information for life insurance, the number of contracts is enormous, from several hundred thousand to several million, and the information to be managed differs for each type of insurance, so that efficient management is required. It was difficult. Life insurance companies also
Businesses that are premium payers in group contract insurance must be handled according to the policyholders, but the business establishments could not be adequately managed because the business of the group contract insurance does not appear directly . In addition, one policyholder is typically involved in multiple insurance contracts, including policyholders, insured,
Although it is efficient to identify and manage business establishments, there have been various difficulties in identifying customers, such as the presence of the same name and the same name, address changes, and data entry errors.

The present applicant has solved the above problems and invented a means for centrally managing customer information in insurance contracts, including not only policyholders and insured persons but also business establishments.
000-252183.

[0010]

In many insurance companies, when making a new contract, the forecast calculation result of the accounting process is reported to a corporate customer who is a contractor. However, due to the large number of insurance contracts, it is difficult to provide information on the changed accounting process one by one if the insurance content changes, and the insurance company voluntarily performs the accounting process after the new contract. It is also practically difficult to continuously provide information about the information.

In recent years, the number of types of insurance contracts has increased, and the accounting process has become more complicated due to the different accounting methods depending on the insurance contract. There are many inquiries about processing. Persons in charge at each branch of the insurance company report this inquiry individually, and individual responses may vary.
Difficulty in providing unified services to customers.

For example, in the case of long-term level term insurance,
"(Age of insured person + insurance period)> 70, and
(Insured person's contracted age + insurance period x 2)> 105 ", and the type of insurance, insurance period, and the age of the insured officer or employee at the time of contract The deduction ratio is determined. Therefore, in the accounting processing of premiums paid, it is necessary to carry out accounting processing of applicable premiums paid for each insured person and add them together.
This process is very complicated, and the burden of paperwork on the corporation becomes very large.

According to the present invention, in order to solve the above problems, an insurance company calculates a processing amount for each insurance contract and guides the processing amount to a corporate customer, thereby reducing the administrative burden of accounting processing on the corporate customer. It is an object of the present invention to provide an insurance accounting data creation system and a guidance creation method for the data.

[0014]

The object of the present invention is achieved by the following means.

[0015] That is, according to one aspect of the present invention, there is provided a system that includes an input device, a display device, a data processing device, and a recording device, and performs an accounting process relating to insurance premiums paid. An index part for number search, an accounting part that records information on accounting for premiums paid, and a contract part that records individual insurance contract contents and the security number attached to the insurance contract The index unit includes a customer identification file that records at least the customer number of the corporate contractor and the information on the closing time in association with each other, and a contract identification file that records the customer number and the contract management number in association with each other. The accounting content section has a subscription form file that records subscription form information of an insurance contract, and records a history of payment of insurance premiums for a predetermined period for each insurance contract. Payment history file, and the customer number is assigned a common number to the same customer even if the customer is a different type of contracting party such as a policyholder or an insured in an insurance contract. An insurance accounting data creation system is provided in which the contract management number includes a security number and is assigned at least a number capable of identifying an insured person.

The contract identification file includes a contractor file in which the customer number and the management number of the insurance contract in which the customer of the customer number is a contractor are recorded in association with each other. The insured person file in which the customer is insured and records the contract management number of the insurance contract, and the payment history file corresponds to the payment date and the payment amount for each contract management number. Let me record
The participation form information includes the type of insurance contract, the ratio of the period in which a part of the insurance premium is recorded as prepayment insurance to the contract period, the ratio of the amount of insurance premiums to be recorded as prepayment insurance, and the account items. It can be.

The contract management number is further provided with a number capable of specifying a business establishment. The contract specification file includes the customer number and a contract management number of an insurance contract in which the customer of the customer number is a business establishment. May be provided in association with the business establishment file.

The accounting content section further includes an accounting processing file for recording a result of the accounting processing, and the accounting processing file records a customer number, a contract management number, a type of insurance contract, an account item, and a recorded amount. Things.

According to another aspect of the present invention, at least a customer number of a corporate contractor and a settlement account are required when a computer is operated to create accounting processing data using insurance contract information and premium payment information. Means for acquiring a customer number whose settlement period matches a specific value from a customer identification file that records information in association with time information, including a security number assigned to each insurance contract, and at least Obtain a contract management number corresponding to the customer number obtained from the customer identification file from a contractor file in which a contract management number to which an identifiable number is assigned and a contractor customer number are recorded in association with each other. Means for performing the contract obtained from the contractor file from the insured file in which the insured customer number and the contract management number are recorded in association with each other. Means for obtaining a contract management number having at least the part of the security number coincident with the security number, the contract management number obtained from the insured file from the payment history file recording the insurance payment history for each insurance contract Means for acquiring premiums paid within a predetermined period corresponding to the above, insurance using the security number in the contract management number obtained from the insured person file, and recording the contents of individual insurance contracts Means for acquiring the type of insurance contract from the contract file, and acquiring the form of subscription corresponding to the type of insurance contract from the form of subscription which records the form of participation of the insurance contract; the insurance premium paid; Using the subscription form information obtained from the form file,
An accounting data guide creation program is provided, which functions as a means for calculating an amount corresponding to a loan.

[0020] The means for acquiring the contract management number from the contractor file may include a method of acquiring the customer number acquired from the customer identification file from a business establishment file in which the customer number of the business establishment and the contract management number are recorded in association with each other. Means for obtaining a contract management number corresponding to the insured person file, wherein the means for obtaining the contract management number from the insured person file includes the contract management number obtained from the contractor file and the business establishment file, a security number and a business number. Means for acquiring a contract management number in which a portion corresponding to the number assigned to each location matches can be included.

The subscription form information includes a ratio of a period in which a part of the insurance premium is recorded as a prepaid insurance premium to a contract period, a ratio of an amount of the insurance premium paid to be recorded as a prepaid insurance premium,
Can be an account.

The means for calculating the amount of money corresponding to the loan may include means for recording the amount of money calculated by the means in an accounting file for each contract management number in association with an account item.

The accounting data guide creation program calculates the total amount of the payment amount of the contract corresponding to the same customer number for each account item for the data of the accounting file when operating the computer. And a program functioning as means for transmitting the total amount to the printer in association with the name of the account.

Further, the accounting data guide creation program calculates a total amount of payment for a contract corresponding to the same customer number for each account item with respect to the data of the accounting file when operating the computer. And a program for functioning as means for recording the total amount in the guidance file in association with the name of the account, and transmitting the guidance file to the customer corresponding to the same customer number.

[0025]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an insurance accounting data processing system according to the present invention;

FIG. 1 is a block diagram of a system for creating insurance accounting data according to the present invention. The system includes an index unit 100, a data processing device 200, an input device 3
00, a display device 400, a contract content section 500, and an accounting content section 600. The index section 100 stores a customer identification file 101 and a contractor file 111, an insured person file 112, and a business establishment file 113 as contract identification files.

The customer identification file 101 stores a customer number assigned to each customer and customer identification information for identifying the customer. As the customer identification information, in the case of a corporation, there are “name, corporation type notation (such as a stock company or limited company), display position of the corporation type notation in a trade name, and settlement month”, and an example is shown in FIG. FIG. 2 shows a customer identification file that also contains information on individual contractors. That is, the data of “name, gender, date of birth” of the individual contractor is recorded.

The insured person file 112 stores the customer number and contract management number of the insured customer. The contract management number is a number consisting of a security number, an insured person number, and a business office number assigned to each insurance contract, and the insured number is assigned to employees who are insured in corporate contract insurance, etc. It is the number that was done. Also in the case of group contract insurance, the insured person number is assigned to the employees of each business establishment that are members. Normally, the security number, the insured number, and the business number each have around 10 digits, but in the following, the contract management number is represented by 6 digits for simplicity, and the security number is represented by the upper 2 digits, The two digits represent the insured person number and the remaining middle two digits represent the establishment number. Among these,
The valid insured person number or establishment number is assigned from 01, and if there is no corresponding insured number or establishment number, the necessary number of dummy 0s is set to align with 6 digits. . In the case of personal insurance, the policyholder and the insured can be specified by the security number, so the insured number is unnecessary. In addition, in the case of corporate contract insurance or group contract insurance, since a plurality of insured persons exist for one contractor, an insured person number is assigned to each insured person. That is, the contractor file 111 contains the customer number and contract management number of the customer who is the contractor (security number +000).
0) is stored (FIG. 3). Office file 113
Stores the customer number and the contract management number (securities number + office number + 00) of the corporation as the office (FIG. 5).

The accounting content section 600 includes a subscription form file 6
01, payment history file 602, accounting file 60
3, and an example of each file is shown in FIGS.
It is shown in FIG.

FIG. 6 shows only a part of term insurance (representing long-term level term insurance) and incremental insurance (representing incremental term insurance), and omits other insurance contracts. As shown in FIG.
, Corresponding to "subscription form (product name, division)"
“Period rate (a), prepayment rate (b)” and “debit 1, debit 2, credit 1, credit 2” are recorded. “Debit 1, debit 2, credit 1, credit 2” indicates an accounting subject.
“Subscription form (product name, category)” indicates the type of insurance contract. "Period rate" indicates the ratio of the period in which a portion of premiums paid is recorded as prepaid expenses to the total period. Represents the ratio of fees paid as prepaid expenses. For example, the record of “Incremental term insurance, 1/3 loss” in the fifth line is the initial 60% (a
= 6/10), one-third of the premium paid is deductible, and the remaining two-thirds (b = 2/3) are debited as prepaid premiums. In the remaining period, the prepaid premiums accumulated in the 60% period should be averaged over the remaining period and credited. “Total loss” indicates that premiums paid should be recorded as full loss.

As shown in FIG. 7, the payment history file 60
2 records insurance premium payment information, that is, “payment date, amount” for a predetermined period in association with the contract management number.

The accounting processing file 603 is a file for recording the final result of the processing. As shown in FIG. 12, the accounting processing file 603 is associated with “customer number, contract management number” and “subscription form (product name, classification). , And “subject, amount” for each of “debit 1, debit 2, credit 1, credit 2”.

Next, the order of creating the insurance accounting data by the present system will be described with reference to the flowcharts shown in FIGS. In the following example, the closing month is 3
We will create an accounting file for a corporation that is a month,
Assume the files of FIGS.

First, in step 801, the month for accounting processing input from the input device 300 is set in the variable MONTH.
Set to. That is, MONTH = 3 is set.

In step 802, the data of the "final month" of the customer identification file 101 is compared with MONTH, and the customer number of the record matching MONTH is obtained and recorded in the first temporary file. In the case of FIG.
As the customer number corresponding to NTH = 3, customer number = 50
000 and 50001 are recorded in the first temporary file.

At step 803, the contractor file 11 is set using the customer number of the first temporary file as a search keyword.
1 is retrieved, the contract management number of the corresponding record is obtained, and the customer number and the contract management number are associated with each other and recorded in the second temporary file. In the case of FIG. 3, customer number = 5000
Contract management number = 600000, 6100 corresponding to 0
00, 620000, and the contract management number = 700,000, 710000 corresponding to the customer number = 50001.
Record

In step 804, step 803
Similarly to the above, the business office file 113 is searched using the customer number obtained in step 802 as a search keyword, the contract management number of the corresponding record is obtained, and the customer number and the contract management number are associated and recorded in the second temporary file. I do. In the case of FIG. 5, contract management numbers = 900100 and 910100 are recorded in correspondence with customer number = 50000, and contract management number = 900200 in correspondence with customer number = 5001.
Record FIG. 10 shows the contents of the second temporary file obtained as a result of steps 803 and 804.

In step 805, the insured person file 112 is searched using the securities number and the office number portion (in this embodiment, the upper four digits of the contract management number) of the contract management number in the second temporary file as search keywords. Then, a contract management number in which the securities number and the office number portion (the upper four digits of the contract management number) match is acquired, and recorded in the third temporary file in association with the customer number.

In the case of FIGS. 3 and 5, the customer number = 5000
For 0, the upper 4 digits of the contract management number are 6000, 6
100, 6200, 9001, and 9101. For the customer number = 50001, the upper four digits of the contract management number are 7000, 7100, and 9002. By searching the insured person file shown in FIG. 4 using these data, the contract management number within the double frame is obtained. The contract management number in FIG. 4 is a contract management number in which all six digits including the insured person number (in this embodiment, the lower two digits of the contract management number) are specified. By using these contract management numbers, detailed information of each contract content can be obtained.

In step 806, the payment history file 602 is searched using the contract management number of the third temporary file as a search keyword, and the payment date corresponding to the record date within one year from MONTH is determined. The total is recorded in the third temporary file in association with the contract management number.

At step 807, the contract content number 51 is set using the contract management number of the third temporary file as a search keyword.
0 of each policy file and search for "
Information on “subscription date, subscription period” is acquired and recorded in the third temporary file in association with the contract management number.

FIG. 11 is an example of the result of executing steps 805 to 807. FIG. 11 shows, for each set of “customer number, contract management number”,
The payment amount (e) of the insurance premium paid during the year and the “enrollment form (product name, classification), enrollment date, enrollment period (f)” of the insurance contract are recorded. In FIG. 11, in order to make the description easy to understand, the product names are all “term insurance”, and the records in the first, second, eleventh, and twelfth rows are “1/2 loss”. The contract form of the other banks is "all losses" and the subscription period is all 20 years.

In step 808, the subscription form file 602 is used with the subscription form information recorded in the third temporary file.
To obtain the information necessary for the accounting process according to the subscription form, execute the accounting process using the acquired information, and set the amount corresponding to each item in the accounting process file according to the contract management number Record at 603.

In the last step 809, it is determined whether or not the processing has been completed for all customer numbers in the second temporary file. If completed, exit; if not,
Steps 803 to 808 are repeated for the new customer number.

Next, details of the processing in step 808 will be described with reference to the flowchart of FIG.

In step 901, “contract management number, payment amount, subscription form (product name, classification)” corresponding to the customer number processed in steps 803 to 807 is obtained from the third temporary file. Hereinafter, the contract management number acquired in this step is referred to as KNUM.

In step 902, the subscription form file 601 is searched for “subscription form (product name, classification)” and information on the subscription form, ie, “period rate, prepayment rate, debit 1, debit 2, credit 1, credit 1, credit 2 ”is acquired.

In step 903, step 902
It is determined whether or not a plurality of records relating to the subscription form have been acquired. If only one record is acquired for one subscription mode, the process proceeds to step 904, and if a plurality of records are acquired, the process proceeds to step 905.

In step 904, the accounting processing is performed in the case where the same accounting processing is performed every year without changing the contents of the accounting processing depending on the contract period or the like. That is, the data of “debit 1, credit 1” acquired in step 902 is associated with “customer number, contract management number” and the accounting processing file 6
Record at 03. Further, the payment amount acquired in step 901 is recorded in the amount column corresponding to debit 1 and credit 1 in the accounting processing file 603.

If it is determined in step 903 that a plurality of records (two records in the present embodiment) have been acquired, a process is performed in which the accounting process differs depending on the contract period. That is, in step 905, "subscription date, subscription period" corresponding to the contract management number = KNUM
Is acquired from the third temporary file, and using these and the date when the accounting process is performed, it is determined which of the two records acquired in step 902 is to be used.

Of the data acquired from the subscription form file in step 902, the data of the first record is used in steps 906 to 908,
In 9 to 912, the data of the second record is used.

In step 906, the information of the first record “debit 1, debit 2, credit 1, credit 2” is recorded in each item of the record corresponding to the contract management number = KNUM in the accounting file.

At step 907, the contract management number =
The payment amount acquired in step 901 corresponding to KNUM is calculated by using the contract management number in the contract management file = KNUM.
Is recorded as the amount (h1) of the creditor 1 corresponding to.

In step 908, the amount of debit 1 (g1) and the amount of debit 2 (g2) are calculated as follows: g1 = payment amount × (1-prepayment rate) = e × (1-b) (1) G2 = payment amount × prepayment rate = e × b (Equation 2), each of which is calculated by the contract management number of the accounting processing file = the amount of debit 1 (g1) and the amount of debit 2 corresponding to KNUM. Record as (g2).

In step 909, the information of “debit 1, debit 2, credit 1, credit 2” in the second record is stored in the same manner as in step 906, by using the contract management number of the accounting processing file =
Record in each item of the record corresponding to KNUM.

At step 910, contract management number =
The payment amount acquired in step 901 corresponding to KNUM is converted into the contract management number in the contract management file = the amount of credit 1 corresponding to KNUM (h
Record as 1).

In step 911, the credit amount 2 (g2) is calculated as follows: g2 = total amount of capitalized assets as prepayment premium {remaining period = e × b × f × a {f × (1-a)} ... Calculated by (Equation 3), and the contract management number of the accounting file = K
It is recorded as the amount (g2) of credit 2 corresponding to NUM.

In step 912, step 91
From the amount of credit 1 (h1) and the amount of credit 2 (h2) calculated in 0 and 911, the amount of debit 1 (g1)
G1 = amount of credit 1 + amount of credit 2 = h1 + h2 (Formula 4), and the contract management number of the contract management file = K
Record as the amount (g1) of debit 1 corresponding to NUM.

As described above, any one of steps 904, 906 to 908, and 909 to 912 is performed for the contract management number = KNUM.

In step 913, it is determined whether or not the processing has been completed for all of the contract management numbers recorded in the third temporary file. If there is an unprocessed contract management number, the process returns to step 901 and is completed. Step 80 in FIG.
Move to 9.

FIG. 12 shows an example of the contract management file.
FIG. 13 shows the result of processing the third temporary file shown in FIG. 11 and the subscription form file shown in FIG.

The third to tenth lines and the thirteenth to eighteenth lines in FIG. 12 indicate the subscription form = “term insurance, total loss” from the corresponding third temporary file in FIG. There is no need to consider it, and the result of step 904 is recorded.

On the other hand, the first line, the second line, the eleventh line, the twelfth line
The line is obtained from the corresponding third temporary file in FIG.
Since it is "term insurance, 1/2 loss", it is necessary to consider the period, and the first and second lines are steps 906-90
Lines 8, 11 and 12 record the results of steps 909-912.

For the first, second, eleventh, and twelfth rows, the corresponding period rates from the subscription form file of FIG.
6/10, subscription period = 20 years, so the period for accounting half of the insurance premium as a loss is 20 years x 6/10
= 12 years. Therefore, in the accounting process with the accounting date of 2001, the first line and the second line were accounted for as half of the premium, and the third and fourth lines were accumulated for 12 years. The prepaid premium will be reversed and accounted for as a loss.

That is, for the first row, step 908
According to the expression 1 in the processing of g1 = 3,000 yen,
According to Equation 2, g2 = 3,000 yen. Similarly, for the second row, g1 = 3,600 yen, g2 = 3,6
00 yen.

On the other hand, with regard to the eleventh row, step 91
According to Equation 3 in the processing of 1, h2 = 4,500 yen
Becomes In addition, h1 = 10,500 yen according to Expression 4 in the process of step 912. Similarly, for the twelfth row, h2 = 5,400 yen, and h1 = 12,
600 yen.

Through the above-described processing, an accounting processing file is created in which original data for guiding the accounting processing to the insurance company as a customer is provided as a reference for settlement processing.

The insurance company sums the payment amount of each contract corresponding to the same customer number for each account item with respect to the data of the accounting processing file created by the insurance accounting system according to the present invention. The value is transmitted to the printer as print data of the same customer in a predetermined format in association with the account item, and the printed matter is sent to the customer to provide a guidance service for insurance accounting processing. In that case,
It is also possible to attach a statement in which the contents of the accounting processing file are printed in a predetermined format. Information such as a customer name, an address, and contract information necessary for printing is stored in a customer identification file 10 using a customer number or contract management number as a search keyword.
1. Search and acquire each contract file in the contract content section 510.

Although the above description has been limited to the long-term level term insurance and the gradual term insurance, for other contract forms, necessary information is recorded in the subscription form file, and steps 906 to 909 in FIG. By changing the amount calculation processing of each item in, it is possible to similarly create accounting processing data.

For an insurance contract in which a dividend is paid, a printed matter printed in a predetermined format should be sent together with the contents of the above-mentioned accounting file together with the sum of the dividend and the additional interest amount. Accordingly, it is possible to provide a guidance service for insurance accounting processing describing a method of accounting for dividends.

In step 801, the case where the month of the accounting process is input from the input device has been described. However, the accounting process data is automatically created every month using the date and time information obtained from the clock built in the system. That is, for example, it is also possible to automatically create accounting processing data for a corporate customer whose last month is the closing month every month on a predetermined day.

At step 806, accounting data for an arbitrary period can be created by summing up the insurance premiums paid within a predetermined settlement period.

The index unit 100, the accounting processing unit 600, and the contract content unit 510 of the recording device 500 of the present system can be separately recorded on a plurality of recording devices, and the whole can be recorded on a plurality of data processing devices and a plurality of input devices. It is also possible to configure a distributed system in which a plurality of recording devices are connected to a network via an interface device.

The form of the guidance service is not limited to the transmission of printed matter, but may be attached to an e-mail as a data file in a predetermined format that can be handled by a personal computer, sent to a customer, or saved on a server connected to the Internet. In addition, it is also possible to transmit the contents of the accounting process corresponding to the access from the customer from the server.

[0075]

According to the insurance company, the data of the accounting processing file created by the insurance premium accounting data creation system according to the present invention is appropriately added up by summing up the amounts of the corresponding items for each customer number. In addition, it is possible to efficiently provide an insurance accounting processing guide service.

Further, by sending the accounting file to the branch of the insurance company, it is possible to respond accurately and promptly to inquiries from customers, and to homogenize the response which has conventionally been varied by the person in charge. Becomes possible.

Further, the insurance company can provide services that lead to customer satisfaction, which is advantageous in acquiring new customers.

On the other hand, the corporate customer is informed of the result of the accounting processing relating to the insurance premium from the insurance company, and therefore does not need to perform the accounting processing relating to the payment of the insurance premium in his / her company.
The burden of complicated office work can be reduced. In particular,
If you have insurance contracts such as long-term level term insurance or incremental term insurance, you need to change the account for each insured employee according to the time of accounting. Since the processing becomes very complicated, the effect of reducing the administrative processing load on the corporate customer becomes greater.

Further, by using the result of the accounting process performed by an insurance company familiar with the accounting process related to the insurance contract, it is possible to easily confirm the accounting process method in the accounting report.

[Brief description of the drawings]

FIG. 1 is a schematic block diagram of a premium accounting data creation system according to the present invention.

FIG. 2 is an explanatory diagram of a customer specifying file in which basic information on a customer is recorded.

FIG. 3 is an explanatory diagram of a contractor file in which a contract management number in which a customer is a contractor is recorded.

FIG. 4 is an explanatory diagram of an insured person file in which a contract management number in which a customer is an insured person is recorded.

FIG. 5 is an explanatory diagram of a business establishment file in which a contract management number in which a customer is a business establishment is recorded.

FIG. 6 is an explanatory diagram of a subscription mode file in which information on an insurance contract is recorded.

FIG. 7 is an explanatory diagram of a payment history file in which information relating to the performance of insurance premium payment is recorded.

FIG. 8 is a flowchart of accounting processing in the insurance accounting data creation system according to the present invention.

FIG. 9 is a flowchart showing the processing content of step 808 in FIG. 8;

FIG. 10 is an explanatory diagram of a second temporary file created as a result of the processing of steps 803 and 804.

FIG. 11 is an explanatory diagram of a third temporary file created as a result of the processing in steps 805 to 807.

FIG. 12 is an explanatory diagram of an accounting file created by the insurance accounting data creating system according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 100 Index part 101 Customer identification file 111 Contractor file 112 Insured person file 113 Business office file 200 Data processing device 300 Input device 400 Display device 500 Recording device 501 Personal insurance file 502 Corporate insurance file 503 Group insurance file 510 Contract content part 600 Accounting content part 601 Subscription form file 602 Payment history file 603 Accounting processing file

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Kenji Kobayashi 1-2-1, Edobori, Nishi-ku, Osaka-shi, Osaka Inside Daido Life Insurance Company (72) Inventor Tamura, etc. 1-2-1 Edobori, Nishi-ku, Osaka-shi, Osaka No. Within Daido Life Insurance Company (72) Koji Hatanaka, Inventor 1-2-1, Edobori, Nishi-ku, Osaka, Osaka Prefecture Within Mutual Life Insurance Company (72) Kenichi Aoki 1-2-1, Edobori, Nishi-ku, Osaka, Osaka No. Within Daido Life Insurance Company

Claims (10)

[Claims] 1. A system comprising: an input device, a display device, a data processing device, and a recording device, and performs an accounting process relating to insurance premiums paid, wherein the recording device includes an index unit for searching for a customer and a security number. An accounting content section that records information on the accounting processing of paid insurance premiums, and a contract content section that records individual insurance contract details and a security number attached to the insurance contract, and the index section includes: At least a customer identification file that records the customer number of the corporate contractor in association with the information on the closing date and a contract identification file that records the customer number and the contract management number in association with each other, and the accounting content section includes A subscription form file that records insurance contract subscription form information, and a payment history file that records the insurance payment history over a predetermined period for each insurance contract. In the case where the customer number is a contractor of an insurance contract, a common number is given to the same customer even if the customer is a different type of contracting party such as an insured person, and the contract management number is A premium accounting processing data creation system, wherein a number including a security number and identifying at least the insured person is provided. 2. The contract identification file includes: a contractor file in which the customer number is associated with a contract management number of an insurance contract in which the customer of the customer number is a contractor;
The insured person file recorded in association with the customer number and the contract management number of the insurance contract in which the customer of the customer number is the insured, The payment history file contains, for each contract management number, The date of payment and the amount of payment are recorded in association with each other, and the subscription form information includes the type of insurance contract, the ratio of the period in which a portion of the insurance premium is recorded as prepayment premium to the contract period, 2. The insurance premium accounting data creation system according to claim 1, wherein the accounting fee is a percentage of an amount to be recorded as a premium. 3. The contract management number is further provided with a number capable of specifying a business establishment. The contract specification file contains the customer number and a contract of an insurance contract in which the customer of the customer number is a business establishment. 3. The insurance accounting data creation system according to claim 2, further comprising a business establishment file in which a management number is recorded in association with the management number. 4. The accounting content section further includes an accounting processing file for recording a result of the accounting processing, wherein the accounting processing file includes a customer number, a contract management number, a type of insurance contract, an account item, and a recorded amount. The insurance premium accounting data creation system according to claim 3, wherein the system records the information. 5. When operating a computer to create accounting data using insurance contract information and insurance premium payment information, at least a customer number of a corporate contractor and information on a settlement period are recorded in association with each other. Means to obtain a customer number whose settlement period matches a specific value from a customer identification file, and contract management that includes a security number assigned to each insurance contract and is assigned at least a number that can identify the insured. Means for acquiring a contract management number corresponding to the customer number obtained from the customer identification file from a contractor file recording the number and the customer number of the contractor in association with each other; From the insured person file in which the contract management number is recorded in association with the contract management number, a part of the contract management number and at least the security number obtained from the contractor file. Means for obtaining a contract management number having the same minutes, from a payment history file which records the insurance payment history for each insurance contract, corresponding to the contract management number obtained from the insured person file and within a predetermined period Means for obtaining insurance premiums paid for, the type of insurance contract from the insurance contract file in which individual insurance contract contents are recorded using the security number in the contract management number obtained from the insured file. Means for obtaining the subscription form information corresponding to the type of the insurance contract from the subscription form file recording the subscription form information of the insurance contract, the insurance premium paid, and the subscription acquired from the subscription form file An accounting data guide creation program characterized by functioning as means for calculating an amount corresponding to a loan using form information. 6. A means for acquiring a contract management number from the contractor file, wherein the means for acquiring the contract management number from the customer identification file from a business establishment file in which the customer number of the business establishment and the contract management number are recorded in association with each other. Means for obtaining a contract management number corresponding to the customer number, wherein the means for obtaining the contract management number from the insured person file includes the contract management number obtained from the contractor file and the business establishment file, and a security number. 6. The insurance premium accounting data guide creation program according to claim 5, further comprising: means for acquiring a contract management number in which a portion corresponding to a number assigned to each business establishment matches. 7. The subscription form information is a ratio of a period in which a part of the insurance premium is recorded as prepayment premium to a contract period, a ratio of an amount of insurance premium to be recorded as prepayment insurance premium, and an account item. The insurance premium accounting data guide creation program according to claim 6, characterized in that: 8. The means for calculating the amount corresponding to the loan includes means for recording the amount calculated by the means in an accounting file for each contract management number in association with an account item. The insurance premium accounting data guide creation program according to claim 7. 9. Functioning a computer, means for calculating, for each account, the total amount of payment of a contract corresponding to the same customer number, for the data of the accounting file, 9. The insurance premium accounting data guide creation program according to claim 8, further comprising: a program for functioning as means for transmitting to the printer in association with the name of the insurance accounting data. 10. A means for calculating, for each account, a total amount of payment of a contract corresponding to the same customer number with respect to data of the accounting file, for operating the computer. 9. The insurance premium according to claim 8, further comprising: a program for functioning as a means for recording in the guidance file in association with the name of the customer, and for transmitting the guidance file to the customer corresponding to the same customer number. Accounting data guide creation program.