JP2002334217A - Insurance premium payment system for insurance - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a rational insurance premium payment system for an insurance in which the insurance is made to function by paying a using fee for insurance use only at the time of wanting to apply the insurance and the basic insurance premium of a low amount is paid and an insurance contract is maintained when the application of the insurance is not required. SOLUTION: For the insurance concluded by an insurer and an insured person, the basic insurance premium required for effectively maintaining the concluded insurance during a period preset by the insurer is computed for each insured person and billed all together. For a using insurance premium required for receiving the application of the concluded insurance in each prescribed period, the computing processing of the portion of using the concluded insurance is performed and it is billed to the insured person for each prescribed period.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a system for paying insurance premiums.

[0002]

2. Description of the Related Art In order to prepare for various disasters, many people take out various types of non-life insurance such as fire insurance, household goods insurance, earthquake insurance, etc. in order to protect themselves from self-defense. Many of these insurances are renewable, one-year insurance.

[0003] In addition, a person who drives a car has a personal insurance, an objective insurance, a liability insurance,
We have taken out non-life insurance to prepare for a disaster. Of these insurances, compulsory insurance is insured at the time of vehicle inspection, and voluntary insurance such as personal liability insurance, objective liability insurance, and vehicle insurance is insured every year. Most of these insurances are discarded because insurance premiums (insurance premiums) are low.

[0004]

In such automobile insurance, a fee calculated at a specific rate is paid for a certain period in units of insurance objects (houses, household goods, automobiles, etc.).

However, insurance items (houses, household goods,
Automobiles and the like) vary depending on the insurance subscribers, and the manner of application of insurance and the determination of insurance premiums are all the same regardless of how they are used. For this reason, even when it is not necessary to apply the insurance, the insurance is applied and there is a problem that it is not reasonable.

[0006] The use of automobiles includes those who use automobiles as transportation for commuting, those who use automobiles for business, those who use automobiles only for shopping on weekends, 1
There are many people who use it only for several trips throughout the year. In spite of the fact that such automobiles are used in various ways, insurance premiums for automobiles are all evaluated the same.

For this reason, there is an unfair feeling between those who frequently use the automobile and those who rarely use the automobile.

One object of the present invention is to pay a small basic premium at the time of concluding insurance, pay a fee for using the insurance only when it is desired to apply the insurance, make the insurance function, and require the application of insurance. When not, pay low base premiums and maintain insurance contracts to provide a reasonable insurance premium payment system.

Another object of the present invention is to provide an automobile insurance function only when a car is actually used, thereby creating an inequity between those who use the car frequently and those who hardly use the car. There is no insurance in providing a premium payment system.

[0010]

One feature of the present invention is that:
For insurance contracts concluded by the insurer and the insurance subscriber, the basic insurance premium required for the insurance company to effectively survive the concluded insurance during the period preset by the insurer is calculated for each insurance subscriber, and a lump sum claim process Then, for each predetermined period, the used insurance required to receive the application of the concluded insurance is calculated for the use of the concluded insurance, and the insurance subscriber is billed for each predetermined period. It is in.

Another feature of the present invention is that, for insurance contracted by an insurer and an insurance subscriber, basic insurance necessary for the insurer to effectively maintain the concluded insurance for a preset period of time. The insurance premium is calculated for each insurance subscriber, the insurance premium used by the insurance subscriber during the validity period of the concluded insurance is predicted, and the calculated usage premium is added to the calculated basic insurance premium. Claim as a prepaid insurance premium, collectively reduce the calculated basic premium from the prepaid insurance premium, and use the insurance concluded every predetermined period for the required insurance premium. The insurance premiums necessary to receive the insurance concluded are processed for the amount of the insurance that has been concluded, and the insurance subscribers are billed every predetermined period, and reduced from the prepaid insurance premiums. Process As in that you have to.

[0012] Still another feature of the present invention is that the insurance premium used by the insurance company and the insurance subscriber are the premiums paid.
Alternatively, if the premium paid is not paid, the insurance member is urged to pay, and if it is not paid,
This is to end the contract for insurance that has been concluded after a certain grace period.

[0013] Still another feature of the present invention is that a continuation insurance premium can be carried over to a prepaid amount when insurance is continued.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows an overall configuration for implementing an insurance premium payment system and the relationship of transmission and reception of information. FIGS. The mode will be described by taking a car insurance premium payment system as an example.

The insurance service provider 20 provides insurance contract services to insurance users. The insurance service provider 20 has a business contract with the insurance company 10 regarding insurance to be provided to the insurance user 30.

The insurance company 10 sends insurance information to the insurance service provider 20. A public line may be used as the sending method. Alternatively, a satellite may be used. As an example, as a method of easily transmitting information about insurance from the insurance company 10 to the insurance service providing company 20, information about insurance that can be provided from the insurance company 10 is transmitted to the communication line 5 using a satellite by using the line 2 and insurance. Is transmitted from the communication line 5 to the insurance service providing company 20 via the line 3 after receiving the information about the information. As described above, the insurance company 10 provides insurance products by contract with the insurance service provider 20.

The insurance service provider 20 receiving the insurance product from the insurance company 10 transmits the desired insurance product based on the request of the insurance user 30 to the communication relay medium (for example, satellite) 5 using the line 3. Via a line 6 from a communication relay medium (for example, a satellite) 5 having received the insurance product based on the request of the insurance user 30, for example, a PC 31 or an in-vehicle device 32 of a car, It is sent to the terminal 33 or the like. The vehicle-mounted device 32 of the vehicle receives radio waves from a plurality of GPS satellites to determine the position of the vehicle,
The obtained position information is transmitted to the line 6, a communication relay medium (for example,
(Satellite) 5, communicates with insurance service provider 20 via line 3 to inform insurance service provider 20.

This insurance service providing company 20 is shown in FIG.
The processing device has a configuration as shown in FIG. That is, the processing device 70 has a CPU 71, and the CPU 7
1 performs all operations. The CPU 71 has a man-machine interface 7 via a bus line.
2 is connected to a storage device as various databases via a bus line. The man-machine interface 72 performs processing (data writing, reading, etc.) of the processing device 70. Reference numeral 73 denotes an antenna for communicating with the PC 31 or the in-vehicle device 32 of the automobile, the portable terminal 33, etc. owned by the insurance user 30 or the insurance company 10 via the communication carrier 50. The storage device also includes a member database 74, a vehicle information database 75, a car insurance content database 76,
There are a mileage database 77, a deposit database 78, an insurance premium database 79, an insurance premium payment status database 80, and a data memory area 81 of the insurance target vehicle.

The member database 74 is a database for storing personal data of members (insurers) who are provided with the automobile insurance service. The date, gender, telephone number, family composition, bank account, driving history (license acquisition date), accident history, traffic violation history, etc. are stored.

The vehicle information database 75 is a database for storing information (vehicle information) for specifying each vehicle of the vehicles 2 managed by the insurance member 30 and stored in the member database 74. As information to be specified (vehicle information), a maker name, a vehicle type, a type (for example, 4-door hardtop), a grade (for example, VIP), a registration date of the first year (for example, January 2001), and the like are stored. ing.

The contents database 76 for automobile insurance
Is a database that stores the contents of the automobile insurance that the member subscribes to and stores the contents of the automobile insurance contents database 73 in the insurance target items (personal compensation, objective compensation, self-compensation, passenger compensation, driver identification , Driver age restrictions),
Insurance coverage (unlimited, up to $ 100,000, only for 30 years old or older), basic insurance premium, additional premium, paid premium, driving ability and safe driving It is remembered.

Further, the mileage database 77 of the vehicle to be insured is a database in which the mileage of a vehicle which has taken out automobile insurance is stored.

The prepaid money database 78 is a database in which the prepaid money in the case of prepaying the subscribed automobile insurance is stored in a database.

The insurance premium database 79 is a database in which basic insurance premiums and insurance premiums used by the insurance member 30 are stored in a database.

The insurance premium payment status database 80 is a database in which the insurance subscribers 30 store the payment status of paid insurance premiums in a database. That is, the insurance member 30
The basic insurance premium and the usage premium payment status that have been claimed are stored in a database.

The data memory area 81 temporarily stores information transmitted from the PC 31 owned by the member (insurance user) 30 who subscribes to automobile insurance, the vehicle-mounted device 32, the portable terminal 33, and the like. It is.

2 to 12, the insurance service provider 20 communicates with the insurance company 10 and the insurance user 30.
(Communication with the on-board equipment 40)
A business contract is concluded with the telecommunications carrier 50 in order to use the public line, satellite, and the like (100). Further, the insurance service provider 20 makes a business contract with the insurance company 10 for providing insurance products (102).

The insurance service providing company 20 accepts a use (member) application from a person who wishes to purchase an insurance product sold by the insurance company 10 (104). When there is an application for this insurance member, the insurance service provider 20
Records the necessary personal data of the insurance applicant, performs a membership registration process for the insurance use member, specifies an authentication number (ID code number) as a member number, and a card as a membership card (for example, an IC card A chip is embedded, and information to be input and an IC card from which the input information can be read are created (106), and a membership registration notification (for example, by issuing an IC card) is issued to the insurance applicant (108). ).
This card was described here as an IC card,
Any medium, such as an ID card, an IC card, or a multi-card, which can store personal information and usage information for identifying a member, and which can be conveniently carried, may be used.

The insurance user registered in this way can apply for automobile insurance subscription to the insurance service provider 20 at any time. The information of the vehicle to be used is provided to the insurance service provider 20 (110). When an application for participation in automobile insurance is made to the insurance service provider 20, the insurance service provider 20 presents the contents of the automobile insurance (the insurance fee is collected only when using a car) (112). ),
The member who has applied for car insurance looks at the contents of these car insurances and specifies the contents of car insurance (11
4). The insurance service provider 20 notifies the insurance company 10 that an application for car insurance has been made based on the contents of the car insurance specified by the insurance user 30 (1).
16). The insurance company 10 accepts the application for the automobile insurance of the insurance user 30 and notifies the insurance service provider 20 of the premium to be paid based on the contents of the automobile insurance (11).
8). As a result, the insurance service providing company 20 notifies the insurance member 30 of the conclusion of the car insurance contract and the basic insurance premium of the insurance member 30 (12).
0).

Based on the conclusion of the car insurance contract, the insurance service provider 20 inquires the insurance member 30 about the method of paying the paid insurance premium (payment of insurance by car ride time or payment of car mileage). (122). Based on the inquiry about the payment method, the insurance use member 30 determines and notifies the insurance service provider 20 of the payment method of the insurance payment based on the car riding time or the insurance payment based on the mileage of the vehicle (124). In response to the inquiry about the method of paying the premium paid by the insurance service provider 20, the insurance member 30 selects the insurance payment method based on the car ride time. The fact that the insurance payment method based on the car ride time is selected is registered (recorded) in the member registration card (126). Then, the in-vehicle device 40 of the vehicle owned by the insurance member 30 transmits that the user has boarded or got off the vehicle owned by the insurance member 30. Therefore, when the vehicle is owned by the insurance member 30, a signal for detecting the entry of the vehicle is transmitted from the in-vehicle device 40 (128). A signal to detect the getting off is transmitted (130).
The transmission of the signal for detecting the vehicle entry and the transmission of the signal for detecting the vehicle exit from the in-vehicle device 40 cause the insurance service provider 20 to store the vehicle entry in the data memory area 81 of the storage device of the processing device 70. The start time and the time when the vehicle gets off are stored, and the calculation of the vehicle riding time is performed by the CPU 71, and the result is recorded in the insurance premium database 79 of the storage device of the processing device 70 (132).

When the insurance premium charged to the insurance member 30 is paid during the driving of the automobile (for example, every 10 minutes, every 20 minutes, every 30 minutes, etc.), the automobile is running. It is thought that it is necessary to apply insurance while driving (engine is running) even when the vehicle is not used. Specifically, the insurance application is applied when the insurance member 30 starts the car engine. When the vehicle is started and the engine of the vehicle is stopped, the application of insurance is stopped, and the insurance premium applied to the vehicle is charged in a period from the start of the engine of the vehicle to the stop of the engine. The vehicle riding time recorded in the insurance premium database 79 is integrated every time the vehicle is boarded, and is counted and recorded in the insurance premium database 79 in units of a certain period (134).

The vehicle riding time integrated each time the user gets on the vehicle in this manner is a certain period (for example, one month).
The total insurance cost per unit of time calculated by multiplying the total car ride time by the use insurance premium per unit car ride time (for example, ○ yen per unit time), and The basic insurance premium for the certain period is added up and charged to the insurance user 30 (136). In response to this request, the insurance member 30 accepts the payment of the insurance premium (13).
8) Then, the insurance user 30 pays the premium paid by adding the basic premium to the premium used in accordance with the car riding time (140). When the insurance premium paid by the insurance user 30 is received, the insurance service provider 20 receives the paid premium and enters the membership registration card 60.
Record the receipt of the insurance premium paid for this time (14
2).

In response to the inquiry about the method of paying the premium paid by the insurance service provider 20, the insurance user 30 selects an insurance payment method based on the mileage of the automobile. Registering (recording) in the member registration card 60 that the user member 30 has selected the insurance payment method by car mileage (1)
44). Then, the insurance service provider 20 performs polling at regular intervals (for example, every day, every three days, every week, etc.) to the in-vehicle device 40 of the automobile to be insured (146), and The travel distance information is collected in response to the response from the in-vehicle device 40 (148). The mileage information by this polling is stored in the membership registration card 60.
(150). The mileage obtained by this polling is tabulated for a certain period (for example, one month), and the total car mileage is added to the insurance premium per unit car mileage (for example, ○○ に
Multiplied by ¥) and calculated for a certain period of time.
This basic insurance premium for a certain period is added to the insurance member 30
(152). Upon receipt of this request, the insurance user 30 accepts the payment of the insurance premium paid (154), and the insurance user 30 pays the premium paid by adding the basic insurance premium to the usage premium according to the vehicle mileage. Is performed (156). When the insurance premium paid by the insurance user 30 is received, the insurance service provider 2
At 0, the insurance premium paid is received and the receipt of the insurance premium paid this time is recorded on the member registration card 60 (1).
58).

Then, the insurance service providing company 20 makes an inquiry to the insurance member 30 as to whether or not to pay the premium by advance payment (160). In response to the inquiry from the insurance service provider 20 as to whether to pay the insurance premium by advance payment, the insurance user 30 informs the insurance service provider 20 of the advance payment of the insurance premium (or no advance payment). (162). When the insurance user 30 makes a reply to the insurance service providing company 20 to prepaid the premium, the payment of the insurance premium by the prepaid of the insurance user 30 is recorded on the member registration card 60 (164). When the premium is prepaid in this way and the basic premium is paid in a lump, the basic insurance is firstly reduced in a lump from the prepaid amount. Also,
In the case of the payment method in which the paid premium (the amount obtained by adding the used premium to the basic premium) is paid every fixed period (for example, one month), the paid premium is reduced each time. The prepaid insurance premium in this case is a prepaid insurance premium that is not collected unless a car is used, and has a property similar to a deposit.

Then, the insurance service providing company 20 requests the insurance user 30 to prepaid the insurance premium (claim the prepaid money) (166). This deposit will cover the insurance,
The basic premium determined by the personal data of the insurance member 30 includes a premium for use per unit of time spent on the vehicle (for example, ○ yen per unit time) or a premium for use per unit of vehicle traveled (for example, unit) ○○○ yen every km)
Is equivalent to a predicted premium to be paid which is calculated by adding a predicted premium for use for an insurance validity period (for example, one year) based on the insurance premium. Since this prepaid amount is an estimated premium to be paid, the amount of the paid amount may be insufficient, or may be left as a balance when the insurance period expires. Further, in the case of a method in which the basic insurance premium is paid in a lump, since the basic insurance premium is paid in advance, only the used insurance premium is charged.

When the insurance service provider 20 pays a deposit for the insurance member 30 to the insurance user 30 (168), the insurance service provider 20 deposits the insurance premium. The membership registration card 60
(170). The insurance premium paid to the insurance member 30 by this registration is reduced from the advance payment. After the payment of the paid insurance premium is made in this manner, the insurance user 30 adds the basic insurance premium for a fixed period from the insurance service provider 20 to the total insurance time for a fixed period and the used insurance per unit car driving time. Premium (for example, XX yen per unit time) or the total automobile mileage for a certain period of time (for example, XX yen for every km) A request is made for a premium to be paid that includes the multiplied use premium (172). When the insurance user 30 approves the payment for the insurance premium paid by the insurance service provider 20 (174), the insurance service provider 20 sets the member registration card 6
Subtraction processing is performed from the prepaid amount of insurance premium recorded in 0 (1
76). In this way, each time the insurance member 30 uses a car, the insurance service provider 20 repeatedly claims the use premium according to the traveling distance and the insurance member 30 consents to the insurance use premium payment.

Here, a case where the insurance premium paid by the insurance service provider 20 is not paid will be described. The insurance service providing company 20 provides the insurance member 30 with basic insurance premiums for a certain period of time, insurance premiums used per unit of vehicle driving time for a total period of vehicle driving for a certain period of time (for example, XX yen per unit time). Or a premium paid by adding the usage insurance premium multiplied by the usage insurance premium per unit vehicle mileage to the total vehicle mileage for a certain period (for example, ○ yen per unit km) (17)
8) The insurance member 30 has accepted the payment of the paid insurance premium (180), but the prepaid amount is insufficient and the reduction processing cannot be performed, or the paid premium is not prepaid. May not be paid (182). In this case, the insurance service provider 20 confirms non-payment of the insurance premium paid by the insurance member 30 (184).

Thereafter, the insurance service providing company 20 urges the insurance member 30 to pay the unpaid insurance premium (186). The insurance user 30 returns to the original state if the insurance user 30 makes an additional payment or makes a payment in response to the reminder of the unpaid insurance premium from the insurance service provider 20. When the insurance member 30 does not reply to the payment even if the insurance service provider 20 is prompted to pay the insurance premium (188), the insurance service provider 20 does not Warn of the payment of the insurance premium (190). The insurance user 30 returns to the original state if the insurance user 30 pays an additional payment or makes a payment in response to the warning of the paid insurance premium from the insurance service provider 20. If the insurance member 30 does not reply to the payment even after receiving the insurance premium payment warning from the insurance service provider 20 (192), the insurance service provider 20 does not notify the insurance member 30 to the insurance member 30. A grace period is set for the paid insurance premium (194). The insurance member 30 returns to the original state if the insurance member 30 makes an additional payment or makes a payment within the grace period for the payment of the paid insurance premium. It is confirmed that the grace period for the insurance premium paid by the insurance service provider 20 has elapsed (196).

Then, the insurance service provider 20 reminds the insurance user 30 of the unpaid insurance premium (198). In response to the reminder of the unpaid insurance premium from the insurance service provider 20, the insurance user 30
Will return to its original state if he makes an additional payment or makes a payment. If the insurance user 30 does not reply to the payment even if he / she receives a warning of the paid insurance premium from the insurance service provider 20 (200), the insurance service provider 20
Issues a warning to the insurance user 30 that the subscribing car insurance will be terminated (202). Upon receiving a warning from the insurance service providing company 20 of the termination of the automobile insurance in which the insurance member 30 has joined, the insurance member 30
Will return to its original state if he makes an additional payment or makes a payment. If the insurance user 30 does not reply to the payment even after receiving the warning of the end of the car insurance from the insurance service provider 20 (204), the insurance service provider 2
0 performs the process of terminating (cancelling) the automobile insurance subscribed by the insurance user 30 (206). Then, the insurance service providing company 20 registers the end (cancellation) of the automobile insurance that the insurance user 30 has subscribed to in the member registration card 60 (208). In effect, the insurance service provider 20
The automobile insurance relationship between the customer and the insurance user 30 ends.

Next, the recovery of the automobile insurance subscribed by the insurance user 30 will be described. Insurance service provider 2
From 0 to the basic insurance premium for a certain period, the total premiums for a fixed period multiplied by the premiums for use per unit vehicle ride time (for example, ○○○ per unit time) The insurance member 30 who has received a claim for paid insurance premium, which is obtained by adding the used insurance premium obtained by multiplying the travel distance of the vehicle by the usage premium per unit traveled by the vehicle (for example, XX yen per unit km). Despite accepting the payment of the above, if the prepaid amount is insufficient and the reduction can not be processed, or if you do not pay the premium paid if you have not prepaid the paid insurance premium, the reasons for the failure to pay There may be good reasons. If the insurance member 30 has not paid the insurance premium paid and is riding in the car without knowing that the already enrolled car insurance has expired,
In the case where an accident has occurred, it may be advantageous for the insurance member 30 to recover the once expired (finished) automobile insurance under certain conditions.

It is the insurance member 30 who is in trouble with the termination of the car insurance, and an application for recovery of the car insurance is made by stating the reason for the non-payment from the insurance member 30 (210). The insurance service provider 20 examines the reason for non-payment alleged by the insurance user 30 (212). As a result of this review, if it is determined that there is no legitimate reason for not paying, there is no recovery of car insurance, but if this review determines that there is a legitimate reason for not paying, The insurance member 30 is replied that the automobile insurance will be recovered (21
4) Car insurance recovery is taken by paying the insurance premium that the insurance user 30 has not paid and paying the recovery insurance premium set by the insurance service provider 20.

Next, a description will be given of the processing in the case where the automobile insurance subscribed by the insurance user 30 ends due to the expiration date of the contract. When the expiration of the car insurance contract concluded with the insurance member 30 approaches, the insurance service providing company 20 notifies the insurance member 30 that the expiration date of the car insurance contract is approaching (216). Ask if you want to renew your car insurance contract. Upon receiving the notice of the contract expiration date of the car insurance, the insurance user 30 sends a reply to the insurance service provider 20 as to whether or not to renew the car insurance contract.

If the insurance user 30 does not intend to renew the car insurance contract currently concluded, he is notified that he does not renew the car insurance contract (21).
8) When the insurance service provider 20 is notified that the auto insurance contract is not renewed, the insurance service member 20 pays the insurance premium to the insurance user 30 by paying the insurance premium in advance. Inquiry about how to settle the balance of the advance payment caused by the termination of the contract (22)
0). As a method of adjusting the balance of the prepaid money, there are a method of returning it in cash, a method of distributing it to other insurance products, a method of returning the prepaid insurance premium by a coupon insurance, and the like. In response to the inquiry from the insurance service provider 20 regarding the method of reimbursement of the prepaid amount to the insurance member 30, the insurance member 3
0 gives an instruction on how to settle the balance of the prepaid amount caused by the termination of the automobile insurance contract (22).
2). When the insurance service member 20 receives an instruction from the insurance member 30 on how to adjust the balance of the prepaid amount caused by the termination of the automobile insurance contract, the insurance service providing company 20 changes the insurance member 30
The insurance company 10 is notified of the method of adjusting the balance of the advance payment resulting from the termination of the automobile insurance contract instructed by the insurance company (22)
4). The insurance company 10 that has been notified of the instruction on the method of adjusting the balance of the advance payment, instructs the insurance service provider 20 to
A notice of consent is given (226).

The insurance service providing company 20 which has been notified of the acceptance of the settlement method of the balance of the advance payment from the insurance company 10
Performs settlement of the balance of the advance payment recorded on the member registration card 60 (228). Then, the insurance service providing company 20 notifies the insurance user 30 of the end of the car insurance accompanying the expiration of the contract (230). This insurance member 30
Registration card 60 with notification of the end of car insurance to
Record the end of the car insurance contract that the insurance user 30 subscribed to with the expiration of the contract (232).

Next, a description will be given of a process in the case where the insurance user 30 renews the currently concluded automobile insurance contract. When the expiration of the car insurance contract concluded with the insurance member 30 approaches, the insurance service provider 20 notifies the insurance member 30 of the expiration date of the car insurance contract to the insurance member 30 (234). Encourage renewal of contract. Upon receiving the notice of the contract expiration date of the car insurance, the insurance user 30 sends a reply to the insurance service provider 20 as to whether or not to renew the car insurance contract.

When the insurance member 30 has an intention to renew the automobile insurance contract and notifies the insurance service provider 20 that the renewal of the car insurance contract currently concluded is performed (236). ), The insurance service provider 20 that has been notified that this car insurance contract is to be renewed, inquires of the insurance user 30 about the contents of the insurance that he or she wants to have for the car insurance. (238). In response to the inquiry from the insurance service provider 20, the insurance user 30 requests the insurance service provider 20 to present the contents of the car insurance (240).
0 indicates to the insurance member 30 the contents of the automobile insurance (basic premium payment, lump sum payment, form of insurance such as whether to collect the insurance premium only when using the car, contents of compensation)
Are presented (242). The insurance member 30 receiving the presentation of the contents of the car insurance specifies the contents of the car insurance (244). The insurance service provider 20 having received the identification specifies the insurance user 30 in the previous automobile insurance.
The basic insurance premium is calculated based on the insurance claim and the degree of safe driving (246), and the insurance company 10 is inquired of the calculated basic insurance premium of the updated automobile insurance (248). In response to the inquiry about the consent from the insurance service provider 20, the insurance company 10 notifies the insurance service provider 20 of the consent (250).

The insurance service providing company 20, which has been notified of the consent from the insurance company 10, presents the basic insurance premium of the automobile insurance to the insurance user 30 (252). Insurance user 30 who received the basic insurance premium for this car insurance
Concludes the basic insurance premium of the car insurance presented by the insurance service provider 20 (254), and the insurance service provider 20 receiving the response from the insurance member 30 An application for renewal of the automobile insurance based on the specified contents of the automobile insurance is made to the insurance company 10 (256). The insurance company 10 that has received an application for renewal of car insurance from the insurance service provider 20
The insurance service provider 20 is notified of the acceptance of the automobile insurance and the insurance premium (basic insurance premium, use insurance premium) (258). Upon receiving the consent from the insurance company 10 to join the automobile insurance and the notification of the insurance premium (basic insurance premium and insurance premium used), the insurance service provider 20 provides the insurance member 3
0 is notified of the conclusion of the automobile insurance contract (26
0).

When the insurance contract provided by the insurance service provider 20 with the insurance member 30 expires, the insurance member 30 pays the insurance premium to the insurance member 30 by advance payment. In this case, an inquiry is made as to how to settle the balance of the prepaid amount caused by the termination of the automobile insurance contract (262). As a method of adjusting the balance of the prepaid money, there are a method of returning it in cash, a method of distributing it to other insurance products, a method of returning the prepaid insurance premium by a coupon insurance, and the like. In response to the inquiry from the insurance service provider 20 regarding the method of reimbursement of the prepaid amount to the insurance member 30, the insurance member 30 decides how to reimburse the remaining amount of the prepaid amount caused by the termination of the automobile insurance contract. (264). This insurance member 30
When the insurance service provider 20 receives an instruction on how to adjust the balance of the prepaid amount caused by the termination of the car insurance contract from the insurance company, the insurance service provider 20 adjusts the balance of the prepaid amount caused by the termination of the car insurance contract instructed by the insurance user 30. The method is notified to the insurance company 10 (266). The insurance company 10 that has been notified of the instruction for the method of adjusting the balance of the advance payment notifies the insurance service provider 20 of the consent (26).
8). The insurance service providing company 20, which has been notified of the acceptance of the settlement method of the remaining balance from the insurance company 10, performs a settlement process of the remaining balance recorded on the member registration card 60 (270).

At the same time as the notice of the conclusion of the automobile insurance contract, the insurance service providing company 20
Payment method of automobile insurance premium payment method (payment of insurance by car ride time or insurance by car mileage)
(272). In response to this inquiry, the insurance user 30 determines and notifies the insurance service providing company 20 of the method of paying the insurance premium (payment of the insurance according to the car riding time) (274). The insurance service providing company 20 that has received the decision / notification of the method of paying the automobile insurance premium (payment of the insurance by car ride time) from the insurance user 30 receives the insurance premium, and
0 registers (records) in the member registration card that the insurance payment method based on the car ride time has been selected (276). Subsequent processing is the same as step 126 and subsequent steps in FIG.

The vehicle-mounted device 40 of the automobile used by the insurance member 30 can communicate with the insurance service provider 20 via the communication carrier 50 by inserting an IC card. FIGS. 5 to 8 show another embodiment of a car insurance premium payment system using a vehicle-mounted device 40.

The vehicle-mounted device 40 of the automobile owned by the insurance user 30 has a configuration as shown in FIG. That is, the in-vehicle device 40 has the CPU 41, and this C
All operations are performed by the PU 41. This CPU
41, a man-machine interface 42 via a bus line, and a transmitting / receiving device 43 via a bus line.
Is connected. This man-machine interface 4
Reference numeral 2 denotes an operation of the in-vehicle device 40 (data writing, reading, etc.), and the transmission / reception device 43 transmits data input from the man-machine interface 42 and receives data transmitted from the insurance service provider 20. , Through the antenna 44. An I / O 45 is connected to the CPU 41 via a bus line.
This I / O 45 has a man-machine interface 42
Data input by the insurance service provider 20
And a variety of sensors 47 such as a speed sensor, a vehicle speed sensor, a rainfall sensor, an illuminance sensor, an engine temperature sensor, an engine rotation sensor, a headlight / fog lamp lighting sensor, and a room temperature sensor.
Is connected. Further, a GPS receiver 48 is connected to the CPU 41 via a bus line.
The PS receiver 48 can receive a position signal from a GPS satellite via the antenna 49.

In FIGS. 9 to 12, the insurance service provider 20 applies a use (member) application from a person who wishes to purchase insurance products sold by the insurance company 10 via the communication carrier 50 ( 302), it is received from the in-vehicle device 40 (304). Upon receiving the application for the insurance member, the insurance service provider 20 records the necessary personal data of the insurance applicant, performs a member registration process for the insurance member, and obtains an authentication number (ID code number) which is a member number. , And create a card as a membership card (for example, an IC card in which an IC chip is embedded in the card and the input information and the input information can be read out) (306), and register as a member with the insurance applicant A notification (for example, by issuing an IC card) is transmitted to the in-vehicle device 40 via the communication carrier 50 (308) and is performed (310). In the case of applying for a membership from the vehicle-mounted device 40, the IC card is issued to the insurance applicant by mail or other means. This card has been described as an IC card here. However, if the card is a medium that can store personal information and use information for identifying a member such as an ID card, an IC card, and a multi-card, and is a portable form, Anything is fine.

The insurance member registered in this way can apply for car insurance subscription to the insurance service provider 20 at any time. The information of the vehicle to be used is provided to the insurance service providing company 20 and is carried out from the vehicle-mounted device 40 via the communication carrier 50 (312) (314). When an application for car insurance participation is made to the insurance service providing company 20, the insurance service providing company 20 presents the contents of the car insurance (collecting the insurance premium only when using a car) to the communication carrier. Via the in-vehicle device 40 (316) via the device 50 (316);
The member who has applied for car insurance purchases looks at the contents of these car insurances, and specifies the contents of the car insurance via the telecommunications carrier 50 (320) and from the on-board equipment 40 (32).
2). The insurance service provider 20 notifies the insurance company 10 that an application for a car insurance has been made based on the contents of the car insurance specified by the insurance user 30 (3).
24). The insurance company 10 accepts the application for the automobile insurance of the insurance user 30 and notifies the insurance service provider 20 of the insurance premium based on the contents of the automobile insurance (326). As a result, the insurance service providing company 20 informs the insurance user 30 that the car insurance contract has been established to the communication carrier 50.
(328) via the in-vehicle device 40 (33)
0).

Based on the conclusion of the automobile insurance contract, the insurance user 30 pays the prepaid insurance premium to the insurance service provider 20 (332). The prepaid insurance premium is a prepaid insurance premium that is not collected unless a car is used, and has a similar characteristic to a deposit. When the insurance service provider 20 has paid the prepaid insurance premium from the insurance user 30, the prepaid insurance premium is registered in the member registration card (334). With this, the insurance member 30
Can receive the insurance service from the insurance company 10.

When the automobile insurance contract is concluded and the prepaid insurance premium is paid, the insurance service providing company 20 sends the automobile to be insured at regular intervals (for example, every day, every three days, every week). ) To collect travel distance information (336). The travel distance information by this polling is recorded on the member registration card (33
8). Based on the mileage obtained by this polling, the insurance service providing company 20 requests the insurance use member 30 to charge the insurance premium for use (for example, ○ yen per km) according to the mileage. Through the person 50 (34
0), transmission to the in-vehicle device 40 is performed (342). Here, the insurance premium to be charged to the insurance member 30 is described as a claim based on the mileage (for example, ○ yen per km). The time you are driving the car (for example, every 10 minutes, 20
(Every minute, every 30 minutes, etc.). The car is driving even when not running (the engine is running)
In the meantime, it is considered necessary to apply insurance. Specifically, the insurance application starts when the insurance user 30 starts the car engine, and stops when the car engine is stopped. In this case, the insurance premium applied to the vehicle is charged in a period from the start of the engine of the vehicle to the stop of the engine.

Based on this request, the insurance member 30
Pays the use premium through the communication carrier 50 (34).
4) Transmit to the in-vehicle device 40 and accept (346). With the consent of the insurance premium payment of the insurance user 30,
The insurance service provider 20 subtracts the prepaid premium recorded on the member registration card (348). In this way, each time the insurance member 30 uses a car, the insurance service provider 20 repeatedly claims the use premium according to the traveling distance and the insurance member 30 consents to the insurance use premium payment.

When the expiration date of the automobile insurance contract contracted with the insurance member 30 approaches, the insurance service providing company 20 informs the insurance member 30 that the expiration date of the automobile insurance contract is approaching. Via the communication carrier 50 (350), it is transmitted to the in-vehicle device 40 and notified (35).
2) Ask whether or not to continue the automobile insurance contract. On the other hand, if the insurance member 30 does not intend to continue the car insurance contract, a notification from the insurance member 30 not to continue the car insurance contract is sent via the communication carrier 50 (354), and the in-vehicle device is notified. Received from 40 (356),
The insurance service provider 20 makes an inquiry via the communication carrier 50 as to how to settle the prepaid premium remaining after the termination of the car insurance contract (358).
This is transmitted to the in-vehicle device 40 (360). As a method of adjusting the prepaid insurance premium, there are a method of returning it in cash, a method of distributing it to other insurance products, a method of returning the prepaid insurance premium by a coupon ticket, and the like. In response to the inquiry about the payment method of the prepaid insurance premium, the insurance user 30 transmits an instruction on how to settle the payment through the communication carrier 50 (362) to the in-vehicle device 40 (364). ). The payment processing method of the prepaid insurance premium from the insurance user 30 is transmitted from the insurance service provider 20 to the insurance company 10 (36).
6). The insurance company 10 that has received the notification notifies the insurance service provider 20 that they accept the settlement method for the prepaid insurance premium from the insurance user 30 (368). Settlement of the prepaid premium recorded on the member registration card (37
0). Based on the subtraction of the prepaid premium on the member registration card, the end of the car insurance contract is transmitted to the in-vehicle device 40 and notified to the insurance user 30 via the communication carrier 50 (372) (374). Then, the end of the car insurance contract is recorded on the member registration card (376).

On the other hand, a notice (380) transmitted from the insurance service providing company 20 to the in-vehicle device 40 via the communication carrier 50 of the expiration date of the automobile insurance contract for the insurance user member 30 to the in-vehicle device 40 (378) is given. , Insurance member 30
If the user intends to continue the automobile insurance contract, the insurance user 30 receives a notification from the in-vehicle device 40 via the communication carrier 50 that the automobile insurance contract is to be continued (382), and receives the notification from the in-vehicle device 40 (384). The continuation of the automobile insurance contract is registered in the registration card (386). This insurance service provider 2
When the contract of the automobile insurance contract in which 0 is contracted with the insurance user 30 expires, the prepaid insurance premium currently deposited with the insurance service provider 20 needs to be processed. Therefore, the insurance service providing company 20 transmits an inquiry about how to process the prepaid premium remaining after the termination of the automobile insurance contract to the in-vehicle device 40 via the communication carrier 50 (388). Perform (390). As a method of processing prepaid insurance premiums, there is a method of transferring (carrying over) a part of the new prepaid insurance premium of the continuing car insurance contract, and a method of not transferring it to a part of the new prepaid premium of the continuing car insurance contract. is there. As a method of not transferring to the new prepaid premium of the continuing automobile insurance contract, there are a method of returning it in cash, a method of distributing it to other insurance products, a method of returning the prepaid insurance premium by a coupon insurance, and the like.

In response to the inquiry about the method of adjusting the prepaid insurance premium, the insurance member 30 issues an instruction on what method to process from the vehicle-mounted device 40 via the communication carrier 50 (392) (394). ). The processing method of the prepaid premium from the insurance user 30 is transmitted from the insurance service provider 20 to the insurance company 10 (396). The insurance company 10 that has received the notification notifies the insurance service provider 2 of accepting the method of processing the prepaid insurance premium from the insurance user 30.
0 (398), and the insurance service provider 20
The prepaid premium recorded on the member registration card is processed on the member registration card (400). Based on the processing of the prepaid premium on the member registration card, the insurance service provider 20 prepaids the insurance premium for a new car insurance contract to the insurance user 30 via the communication carrier 50 (40).
2), a request is made through the in-vehicle device 40 (404). Based on this prepaid bill, the insurance user 30 gives the prepaid insurance premium to the insurance service provider 20 via the communication carrier 50 (4).
06), payment is made from the in-vehicle device 40 (408). The payment of the prepaid insurance premium using the in-vehicle device 40 is performed by a card settlement or the like from the reader of the in-vehicle device 40. When the insurance service provider 20 has paid the prepaid insurance premium from the insurance user 30, the prepaid insurance premium is registered in the member registration card (410). This is insurance member 3
0 allows the insurance service from the insurance company 10 to be received.

When a new automobile insurance contract is concluded and the prepaid insurance premium is paid, the insurance service provider 2
0 performs polling at regular intervals (for example, every day, every three days, every week, etc.) on the automobile to be insured, and collects traveling distance information (412). The travel distance information by this polling is recorded on the member registration card (414). Based on the mileage obtained by the polling, the insurance service providing company 20 requests the use insurance fee (for example, ○ yen per km) corresponding to the mileage via the communication carrier 50. (41
6), a billing data signal is transmitted to the in-vehicle device 40, and the request is made to the insurance member 30 (418). Based on this request, the insurance user 30 accepts the payment of the used insurance premium through the telecommunications carrier 50 (420) and from the vehicle-mounted device 40 to the insurance service provider 20 (422). By accepting the insurance premium payment by the insurance member 30, the insurance service provider 20 subtracts the prepaid premium recorded on the member registration card (424). In this way, each time the insurance member 30 uses a car, the insurance service provider 20 repeatedly claims the use premium according to the traveling distance and the insurance member 30 consents to the insurance use premium payment.

Next, a description will be given, with reference to FIG. 14, of a member registration processing flow of the insurance user 30 and the insurance service provider 20 who wish to provide an insurance service based on a member application.

In the figure, a person who wishes to provide insurance products provided by the insurance company 10 (insurance member 30)
It is necessary to register as a member with the insurance service provider 20. A person who wishes to register as a member of the insurance service provider 20 (the insurance member 30) calls the insurance service provider 20 using terminal devices such as the PC 31, the in-vehicle device 32, and the portable terminal 33 in step 502. When the person who wants to register as a member calls (accesses) the insurance service provider 20 in step 502, the insurance service provider 20 responds in step 504 to the person who wants to register as a member (the insurance member 30). Perform menu transmission.

Then, in step 506, the terminal device such as the PC 31, the in-vehicle device 32 and the portable terminal 33 of the person (insurance member 30) who wishes to register as a member, as shown in FIG. Is displayed. When a message screen is sent from the insurance service provider 20 inquiring whether or not to register as a member, terminal devices such as the PC 31, the in-vehicle device 32, and the portable terminal 33 of the person who wishes to register as a member (the insurance member 30). Displays a message screen of "A new member registration?" In this step 506, if the person who wishes to register as a member (insurance member 30) selects (clicks) "NO", another processing is performed in step 508. If "YES" is selected (clicked) in step 506, in step 510, a person who wishes to register as a member of insurance service provider 20 (insurance member 30) will apply for membership registration. .

The application for membership registration to the insurance service providing company 20 from the person who wishes to register as a member (the insurance member 30) is transmitted to the insurance service providing company 20.
When an application for membership registration is received from a person who wishes to register for membership (insurance member 30), the insurance service provider 20
Then, in step 514, the input items (user name, address, occupation, contact information, age, gender, family structure, driving structure) required for the member registration (insurance member 30) are requested to the member (insurance member 30). As shown in FIG. 33, the screen display data for inputting the history, the type of vehicle, the purpose of use, the date and time of obtaining the automobile license, the hobbies / hobbies, the history of accidents, the history of violations, the names of bank accounts, etc. are shown in FIG. Please enter: 1. Name 2. Address 3. Date of birth / age / gender 4. Phone number 5. Family structure 6. Bank account 7. Driving history (license obtaining date) 8. Accident history 9. Transportation Violation history ". Upon receiving the screen display data for inputting the necessary items for member registration from the insurance service provider 20, the person (insurance member 30) wishing to register as a member in step 518 Based on the received input screen display data, input items necessary for member registration are input and transmitted to the insurance service provider 20.

In step 520, the insurance service provider 20 receives the input screen display data in which the necessary input items have been input, and in step 522, inputs a member registration (grants a member number). FIG.
A member registration card 60 is created as shown in FIG. And
In step 524, the insurance service providing company 20 stores the necessary items for member registration as an insurance member in the member database 74 shown in FIG. (Insurance member 3)
0) is assigned an ID code. When the input items necessary for the membership registration and the ID code are given as the insurance member, the insurance service providing company 20 determines in step 526 the person who wishes to register (the insurance member 30). As shown in Figure 34, a notice of registration as a member who has registered as an insurance member is shown as "You have been registered as a member. Your membership number and ID code are as follows. : Xxxxxx ID code: △△△△△ ”. In response to the transmission of the registration notice as a member from the insurance service provider 20, the person who wishes to register as a member (the insurance member 30) reports in step 528 that the registration notice as a member has been received. To the insurance service provider 20,
The processing flow ends. When this series of operation flows is completed, the person who wishes to register as a member becomes an insurance member of the insurance service provider 20.

Next, a processing flow on the insurance user 30 side of car insurance subscription based on the application of automobile insurance to the insurance service providing company 20 by the insurance user 30 will be described with reference to FIGS.

In the figure, when the insurance member 30 wishes to subscribe to the automobile insurance provided by the insurance company 10, in step 602, the insurance service member 20 gives the insurance service provider 20 access to the insurance application to the PC 3.
1. Performed from terminal devices such as the in-vehicle device 32 and the portable terminal 33. When this insurance application is made, in step 604, the insurance service provider 20 sends an inquiry about the insurance you would like to join as a display screen "Do you have car insurance?" As shown in FIG. When the insurance service provider 20 sends a message screen inquiring about the insurance you would like to join, the terminal device such as the PC 31, the in-vehicle device 32, and the mobile terminal 33 of the insurance user 30 displays "Do you have an automobile insurance?" Is displayed. Then, in step 606, the insurance use member 30 gives a "YES" answer to the request for car insurance participation.
Is transmitted to the insurance service provider 20 by selecting (clicking).

In step 606, "YES"
Is selected (clicked) to apply for automobile insurance, in step 608, the insurance service provider 2
From 0, an inquiry about a member number and an ID code is made to the insurance member 30 to identify a car insurance member. Then, in step 610, when the insurance user 30 presents the member number and ID code, the insurance service provider 20 provides the member database 74 based on the presentation of the member number and ID code from the insurance user 30. The personal data of the insurance member 30 registered in the above is searched to confirm that the member is the insurance member.

When the insurance member 30 presents the member number and the ID code in step 610, in step 612, an inquiry about the information of the insurance-enrolled vehicle is received. That is, if "YES" is selected on the message screen shown in FIG. 35, the insurance service provider 20 prompts the user to enter the following items as shown in FIG. 3. Type 4. Grade 5. First year registration date 6. Displacement amount 7. Degree of maintenance and inspection 8. Total mileage 9. Repair history 10. Others Message screen for entering information on vehicles that have auto insurance. Is sent.

The maker name of the message screen shown in FIG.
There is France. The vehicle type in the message screen shown in FIG. 36 is the name given to each automobile by each manufacturer. The type of message screen shown in FIG. 36 indicates the characteristics of each automobile, and is, for example, a 4-door hardtop. Further, the grades of the message screen shown in FIG. 36 are displayed in such a manner that each manufacturer assigns a rank to each car name. The first year registration date of the message screen shown in FIG. 36 is the date when each vehicle was first registered with the Land Transport Bureau.
It's like the moon. Further, the displacement on the message screen shown in FIG. 36 is the engine displacement displayed by each manufacturer on each car, and is, for example, 3000 CC. Further, the degree of maintenance and inspection of the message screen shown in FIG. 36 depends on whether or not legal inspection has been performed.
The total mileage on the message screen shown in FIG. 36 is the distance that the car has traveled so far and is indicated on the speedometer. Further, the repair history on the message screen shown in FIG. 36 is a record of past repairs. Then, in addition to the message screen shown in FIG.
There is a registration number, and this registration number is a registration number date when each vehicle is registered with the Land Transport Office, and is displayed on the license plate of each vehicle. For example, “Nerima 33 to 12-34” And so on.

The insurance member 30 determines in step 612
In step 614, the vehicle information transmitted from the insurance service provider 20 is input.

When the vehicle information input message screen is displayed, the insurance user 30 inputs each item of the vehicle information input message screen shown in FIG. Is
As shown in FIG. 37, a message for inputting the usage information of a vehicle that is subscribed to the car insurance, "Please enter the following items: 1. Driving area 2. Purpose of use 3. Driving time zone 4. Driving season 5. Others" The screen is sent.

The traveling area of the message screen shown in FIG. 37 is a metropolitan area, a mountain area, a rural area, and the like. The message screen shown in FIG. 37 is used for work, leisure, commuting, and the like. Further, the driving time zones on the message screen shown in FIG. 37 are daytime, nighttime, and the like. The driving season of the message screen shown in FIG. 37 is spring, summer, autumn, winter, rainy season, dry season, and the like.

At step 618, the insurance member 30 inputs each item (running area, purpose of use, driving time zone, driving season, etc.) of the vehicle use information input message screen shown in FIG.

When the vehicle information is input in step 618, the insurance user 30 inquires of the insurance service provider 20 about the type of insurance (personal compensation, objective compensation, etc.) in step 620. In response to the inquiry about the insurance type of the insurance member 30 in step 620, the insurance type is received from the insurance service provider 20 in step 622. That is, in response to the inquiry about the type of insurance of the insurance member 30 in step 620, as shown in FIG. 38, "Please input the contents of the automobile insurance you want to subscribe." Personal compensation □ Unlimited □ ○○○○ 10,000 yen 2. Objective compensation □ ○○○ 10,000 yen □ ○○ 10,000 yen to ○○○ 10,000 yen 3. Self-compensation □ ○○○ 10,000 yen to □ ○○ 10,000 yen ～ ○○○ 10,000 yen 4. Passenger compensation □ Unlimited □ ○○○○ 10,000 yen 5. Driver identification □ Yes □ No 6. Driver age restriction □ Unlimited □ 30 years or older ” A message screen for inputting the insurance details is sent.

The personal compensation on the message screen shown in FIG. 38 is a financial compensation for the injured person or the like in the event of a personal injury, and the compensation content is unlimited.
○○○○ There is compensation of 10,000 yen or less. In addition, the objective compensation on the message screen shown in FIG. 38 is monetary compensation for repairing the other party's car in an automobile accident. ○ 10,000 yen compensation. In addition, the self-compensation on the message screen shown in FIG. 38 refers to monetary compensation for repairing one's own car that was damaged in an automobile accident. ○○ 10,000 yen compensation etc. Also,
The passenger compensation on the message screen shown in FIG. 38 is for compensating the passenger when the passenger is injured in an automobile accident. Further, the driver specification on the message screen shown in FIG. 38 specifies a person who drives an insured automobile, and is, for example, only a person who has contracted insurance. Further, the driver age limit on the message screen shown in FIG. 38 is that the age of the person who drives the insured car is limited and no compensation is made when a non-applicable person drives. For example, "unlimited, 30 years old" Above. " According to the message screen shown in FIG. 38 transmitted from the insurance service providing company 20, the insurance user 30 specifies the contents of the car insurance (the insurance target items and the insurance compensation contents) (step 624). .

When the contents of the car insurance are specified in step 624, in step 626, the presentation of the basic insurance premium of the insurance premium to be paid for the insurance to be subscribed from the insurance service provider 20 is received. That is, step 626
As shown in FIG. 39, after the identification of the contents of the automobile insurance of the insurance use member 30 in the above, the basic fee of the automobile insurance to which you subscribe is, as shown in FIG. The message screen that indicates the basic premium (basic premium) of the insurance premium paid for car insurance is transmitted.

At step 626, when the basic insurance premium (basic premium) of the automobile insurance premium is received,
In step 628, the insurance user 30 determines the basic insurance premium (basic premium) of the presented automobile insurance premium.
I understand. That is, in step 628, when a person who wishes to apply for automobile insurance selects (clicks) "OK" on the message screen shown in FIG.
At 30, an inquiry about how to calculate the used premium of the paid insurance of the participation insurance is received. That is, step 6
At 28, the person who wishes to apply for automobile insurance selects (clicks) "OK" on the message screen shown in FIG.
Then, as shown in FIG. 40, the insurance service provider 20 requests that the insurance premium to be used for the automobile insurance to which you subscribe is: A message screen asking about the method of calculating the insurance premium for use of car insurance is transmitted.

In step 630, when the inquiry about the method of calculating the premium to be used for the insurance premium to be paid is received, in step 632, the insurance user 30
Select one of the presented methods for calculating the insurance premium for use of car insurance. That is, in step 630, if any of the calculation methods of the used premium of the insurance premium to be added is selected (clicked), in step 634, the premium for the calculation unit of the used premium based on the selected calculation method is received. . That is, in step 632, when the person who wants to join the automobile insurance selects (clicks) “Usage premium according to riding time” on the message screen shown in FIG.
As shown in the figure, a message screen indicating the usage insurance premium paid for the automobile insurance is transmitted, "The usage insurance premium of the automobile insurance to which you subscribe is XX yen / hour."

In step 632, when the person who wishes to apply for automobile insurance selects (clicks) “Usage premium according to riding distance” on the message screen shown in FIG. 42
As shown in the figure, a message screen indicating the usage insurance premium of the automobile insurance payment of "The insurance premium used for the automobile insurance to which you subscribe is XX yen / km" is transmitted.

When the premium for use of the calculation unit of the use premium based on the calculation method selected in step 634 is received, in step 636, the insurance user 30
An inquiry is received from the insurance service provider 20 about the method of paying the insurance premium paid for the automobile insurance and the specific method of paying the insurance premium paid for the automobile insurance. That is, when “OK” is selected (clicked) on the message screen shown in FIG. 41 or FIG. 42 for presenting the basic insurance premium (basic premium) of the automobile insurance premium in step 634, the insurance service provider 20 As shown in FIG. 43, "Please enter the method of paying the insurance premium paid for the automobile insurance you want to join. □ 1. The insurance premium paid by the insurance subscriber only for a certain period of time for which you want to apply the insurance, Basic insurance premium for the period in which insurance is applied + premium used for that period □ 2. The total basic premium during the insurance contract period is paid in installments for each fixed period, and the insurance is used during that fixed period In some cases, the premium to be paid in addition to the premium for use will be the basic premium for a certain period of time + the total premium for use for a certain period. Batch to payment, payment insurance premiums to pay the total use insurance premiums that was used within the period of time at regular intervals is the only total use insurance premiums used within a certain period of time
A message screen is sent inquiring about the method of paying the automobile insurance premium.

Upon receiving the inquiry about the method of paying the insurance premium paid for the car insurance to be subscribed in step 636, the insurance user 30 asks the insurance service provider 20 for the method of paying the insurance premium paid for the car insurance to be subscribed. Respond to inquiries about the specific method of payment of insurance premiums paid for automobile insurance.

In the message screen shown in FIG. 43, “pay for a certain period during which the insurance subscriber desires to apply the insurance” means that the insurance contract is maintained during the contract period determined by the insurance member 30. Basic insurance premium to be paid for, and the usage premium required to receive insurance,
This is to pay only for the period desired by the insurance user 30 who has received the insurance. In the case of this method of paying the insurance premium paid for the automobile insurance, the paid premium is “(basic premium for the period in which insurance is applied) + (insurance used for that period)”. That is, even if the insurance user 30 concludes the insurance contract with the insurance service provider 20 (or the insurance company 10), the insurance member 30 wants to apply the insurance even if the insurance user 30 concludes the insurance contract with the insurance service provider 20 (or the insurance company 10). Otherwise, there will be no premium paid. Therefore, this method of paying automobile insurance premiums allows insurance to be used only when necessary, and is tailored to the degree of use of insurance coverage. It plays a role in reducing the difference in insurance premiums with those who do not use it. With this method of paying insurance premiums for automobile insurance, it is possible to set premiums to be paid one time during the life of the automobile insurance so that there is no gap between the insurance and the standard insurance that is insured. it can.

Also, in the message screen shown in FIG. 43, “the total basic insurance premium during the insurance contract period is paid in a fixed period, and when the insurance is used during the fixed period, “Paying with premium added” means that the basic premium paid to maintain the insurance contract during the contract period determined by the insurance user 30 is divided for each fixed period (for example, one month), The basic insurance premium divided for each fixed period (for example, one month) is divided by the premium for use (used) of the insurance used (used) for a certain period (for example, one month). It is to add and pay. Therefore, in the case of the method of paying the insurance premium paid for the car insurance, the paid insurance premium is “(basic premium for a certain period) + (total use premium for a certain period)”. That is, as shown in FIG. 30, the method of paying the insurance premium paid for the automobile insurance is a basic insurance premium paid for maintaining the insurance policy during the contract period (for example, one year) determined by the insurance user 30. Divided every fixed period (for example, one month) (in FIG. 30, divided into 12 equal parts)
The basic premium (1/12 of the total) A divided for each fixed period (for example, one month) is added to the insurance premium used (used) for the insurance used (used) for a certain period (for example, one month). In this case, the usage insurance premiums B to J in FIG. 30 are added and paid. Therefore, in FIG. 30, if the insurance premium used by the insurance subscribed to in April and used (used) in May is B, the insurance premium paid by the insurance user 30 subscribed to the automobile insurance is: (A + B). In FIG. 30, the insurance premium paid by the insurance user 30 is the basic premium A
Then, the insurance premium C used (used) for a certain period (for example, one month) is added (A + C). Similarly, the premium to be paid for each month is determined and paid. Therefore, in FIG. 30, the insurance member 30 who does not use (use) insurance as in February.
Pays only the basic premium A.

Also, on the message screen shown in FIG. 43, "The total basic premium during the insurance contract period is
"To pay the total premium used within the fixed period at a fixed period" means that the basic premium paid to maintain the insurance contract during the contract period determined by the insurance user 30 is collectively paid to the automobile. The insurance premiums used (used) for the insurance paid and used (used) at the time of joining the insurance are to be collected and paid for a fixed period (for example, one month). Therefore, for this car insurance premium payment method, the premium paid is
This is "total premiums used within a certain period". That is, the method of paying the insurance premium paid for the car insurance will be described with reference to FIG. 30. Collect the charges (A ×
12) Total insurance premium B for a fixed period obtained by adding the insurance premium for use (used insurance) used (used) every fixed period (for example, one month).
You pay only J. Therefore, FIG.
In April, basic insurance premiums were paid collectively (A × 12) to enroll in automobile insurance, and in May, only used insurance premium B of used (used) insurance was used. In this case, only the use premium C of the used insurance is paid, and in August, only the use premium G of the used (used) insurance is paid. Therefore, in FIG. 30, there is no insurance fee paid by the insurance user 30 when the insurance is not used (used) as in February.

At step 636, the inquiry about the method of paying the insurance premium paid for the automobile insurance is received.
43. The insurance member 30 pays for the car insurance, which is shown in the message screen shown in FIG. 43. As shown in FIG. 44, when selecting (clicking) the method of paying the paid premium, the insurance service provider 20 states, "The paid premium for the car insurance to which you subscribe is obtained by adding the used premium to the basic premium. The amount will be charged every month, please let us know the specific method of paying your insurance premium.
Is displayed, and a message screen inquiring about a specific payment method is transmitted.

Upon receiving the inquiry about the method of paying the insurance premium to be subscribed in step 636, it is determined in step 638 whether or not to pay the monthly premium to be paid. Specifically, after the insurance member 30 receives the message screen for inquiring about the specific payment method as shown in FIG. 44, the insurance service providing company 20 asks the insurance member 30 for FIG.
As shown in, "Please enter the specific method of paying the insurance premium you would like to subscribe to. □ 1. Debit from the bank account specified for each claim. □ Pay the basic premium in one lump and use the premium Is deducted from the bank account at regular intervals □ Basic premium is added to the amount of premium used for insurance coverage and deducted from the bank account at regular intervals □ 2. Prepay premiums paid □ Reduce the basic premium from the prepaid premium in a lump and reduce the premium in use at regular intervals □ From the prepaid premium, the basic premium to the basic premium at regular intervals A message screen will be sent inquiring about the specific method of paying the insurance premium paid for car insurance.

Upon receiving the inquiry about the specific method of paying the insurance premium to be added in the step 636, the insurance user 30 determines which of the presented specific methods of paying the insurance premium to be added to the insurance. Is selected. That is, the insurance member 30 determines whether or not to pay the premium to be paid every month. This FIG.
In the message screen shown in FIG. 33, "debit from bank account specified for each billing" means that insurance premium (or premium used) billed by insurance service provider 20 is presented by insurance user 30 in FIG. It means that automatic debit will be made from the bank account you have made.

“Prepay premiums paid” on the message screen shown in FIG. 44 refers to the premiums paid (or premiums used) charged by the insurance service provider 20 during the contract period for car insurance. ), The insurance member 30 prepaid an amount corresponding to the predicted premium to be paid during the insurance contract period, and a predetermined period (for example, one month) from the prepaid premium. This means reducing the premium paid (or premium used) every time. Therefore, when contracting an automobile insurance, the insurance premium 30 (the insurance contract maintenance insurance paid to maintain the insurance contract during the contract period) determined by the insurance user 30 who subscribes to the automobile insurance and the type and content of the automobile insurance to subscribe. Premiums) and insurance premiums (based on the application of insurance) calculated by predicting and calculating the amount of automobile insurance usage (usage) by which the automobile insurance member 30 who uses auto insurance will use (use) automobile insurance during the auto insurance contract period. It is necessary to preliminarily pay an amount obtained by adding the use premium paid when the insurance premium is paid as the predicted premium paid.

In other words, in the case of paying the premium paid by advance payment, as shown in FIG. 31, when contracting for car insurance, it is determined according to the type and contents of the car insurance member 30 who joins car insurance and the car insurance to join. (A) of basic insurance premiums paid (insurance maintenance premium paid to maintain the insurance policy during the contract period) and the insurance member 30 who takes out the automobile insurance uses the car insurance during the auto insurance policy period The total amount (LA) of usage premiums (use premiums paid when insurance is applied) obtained by predicting and calculating the usage (use) of automobile insurance to be used (used) is calculated as the predicted premiums paid (L). ). The method of prepayment of the estimated premiums paid includes a method of paying the insurance service provider 20 to a bank account designated by the insurance service provider 20, or a settlement method using an IC card owned by the insurance user 30 who joins the insurance. is there. With the advance payment of the estimated premium paid, the insurance user 30 can receive the insurance service of the automobile insurance that he / she has joined from the insurance service provider 20 (or the insurance company 10).

If it is determined in step 638 that the premium to be paid every month is to be prepaid, that is, if “pay premium in advance” on the message screen shown in FIG. 44 is selected (clicked), in step 640,
The insurance member 30 who wants to join the car insurance makes an inquiry to the insurance service provider 20 about a prepaid amount (predicted insurance premium). When an inquiry about a deposit (predicted insurance premium) is made in this step 640, in step 642, the insurance service provider 20 pre-pays the automobile insurance premium for the automobile insurance to which you subscribe as shown in FIG. In this case, the total is JPY
Year. A message screen showing the prepaid amount (predicted insurance premium) of the insurance premium paid for the automobile insurance is transmitted.

When a message screen for presenting the advance payment of the insurance premium to be paid (predicted insurance premium) as shown in FIG. 46 is received and the receipt of the advance payment is received in step 642,
In step 644, the insurance user 30 obtains a prepaid amount (predicted paid insurance premium) of the automobile insurance premium from the insurance service provider 20 as shown in FIG. Receive a message screen showing the payment request.

As shown in FIG. 47, the insurance member 30 receives the message screen showing the request for payment of the prepaid amount (predicted paid insurance premium) of the insurance premium paid for the automobile insurance. The service provider 20 receives a request for payment of a prepaid amount (predicted insurance premium). Upon receiving a request for payment of the advance payment (predicted insurance premium) in this step 644, in step 646, the insurance user 30 who joins the automobile insurance pays (prepaid) the requested advanced payment (predicted insurance premium). I do.
When the estimated premium paid is prepaid in step 646, in step 648, the insurance user 30 subscribing to the automobile insurance receives the prepaid amount (predicted insurance premium) from the insurance service provider 20, and Receive notification of payment method for.

The notification of the insurance premium payment method from the insurance service providing company 20 is made by the message screen shown in FIG. This is to notify that the user has selected the payment method and has selected the second item "Prepay premiums paid" on the message screen shown in FIG. That is, specifically, on the message screen shown in FIG. 43, the user selects the first payment method of “pay for a certain period for which insurance subscriber wants to apply insurance”, and selects the payment method on the message screen shown in FIG. When the second option “Prepay premiums paid” is selected, the basic premium paid to maintain the insurance policy during the contract period determined by the insurance user 30 and the application of insurance during the contract period The application of automobile insurance to the notice of receipt of the prepaid amount of the total use premium obtained by predicting and calculating the use premium for the period that will be received, and the basic premium, After the expiration of the insurance application period, a total amount of the insurance premium used at the time of receiving the insurance premium for the desired period of the insurance user 30 who has been covered by the insurance is charged. Insurance premium) Is a notification that is physical.

When the prepaid money (predicted insurance premium) is received in step 648, the prepaid insurance premium becomes
When the card is registered in the member registration card 60 and receives the notice of the method of paying the insurance premium together with the notification of the receipt of the advance payment (predicted insurance premium), in step 650, the insurance service provider 20 sends the notice as shown in FIG. "We have received the advance payment. Your desired car insurance contract has been concluded. Starting next month, the amount of basic insurance plus the premium used will be reduced from the advance payment."
Receiving a prepaid amount (predicted insurance premium paid) of the insurance premium paid for the automobile insurance and a message screen indicating that the insurance contract desired by the insurance user 30 has been established. If the insurance user 30 receives in step 650 that the desired automobile insurance contract has been established, the flow ends.

If it is determined in step 638 that payment is not made in advance, then in step 652, the insurance service provider 20 asks, as shown in FIG.
Is transmitted as a message screen indicating whether or not to pay the basic premium of the automobile insurance premium.

In step 652, when an inquiry as to whether or not to pay the basic insurance premium (basic premium) of the automobile insurance premium in a lump is received, in step 654, the basic insurance premium (basic premium of the automobile insurance premium paid) is received. Charge) is determined in a lump. This step 654
In step 654, it is determined that the basic premium (basic premium) of the insurance premium paid for the automobile insurance is paid in a lump.
Insurance member 30 who wants to join automobile insurance
When "YES" is selected (clicked) on the message screen shown in FIG. Inquiry about the total amount when the basic insurance premium (basic fee) is paid in one lump. In response to the total amount of the basic insurance premium (basic fee) from the insurance member 30, the insurance service provider 20 as shown in FIG. A message screen showing the total amount of basic insurance premiums paid for automobile insurance for one year will be transmitted.

In step 658, when the total amount of the basic premium (basic premium) of the automobile insurance premium paid for one year is received, in step 660, the insurance service provider 20 issues, as shown in FIG. A message that presents a one-year total lump sum payment of the basic insurance premiums paid for car insurance, "Please pay the basic insurance premium for one year of the automobile insurance you subscribe to. Receive screen transmission.

In step 660, upon receiving a request for a one-year total payment of the basic insurance premium (basic premium) of the automobile insurance premium, the insurance user 30
Acknowledges the request for the lump-sum payment, ie, "YE" appears on the message screen showing the lump-sum payment request shown in FIG.
When "S" is selected (clicked), in step 662, the insurance user 30 pays the basic premium (basic premium) of the insurance premium paid for the automobile insurance in a lump. This step 66
In step 664, the insurance service member 20 receives the lump-sum payment of the basic insurance premium (basic premium) of the insurance use member 30 in step 2, and as shown in FIG. A message screen indicating that the basic insurance premium of the automobile insurance premium has been received in a lump is transmitted, and the insurance member 30 receives the notification that the basic insurance premium has been received in a lump using this message screen. I do.

In step 660, the insurance member 30 receives a request for a lump sum payment of the total amount of the basic insurance premium (basic fee) of the automobile insurance for one year, and the insurance user 30 approves the lump sum payment request, ie, 51, the user selects (clicks) "YES" on a message screen for presenting a request to collectively pay the basic insurance premium (basic premium), and pays the basic insurance premium (basic premium) collectively in step 662. Upon receiving the notification that the basic premium has been received in lump at 664, at step 666,
From the insurance service provider 20, as shown in FIG.
"Your auto insurance premiums paid will be charged monthly, and will be deducted from your designated bank account." Is transmitted, and the insurance member 30 confirms the method of paying the used premium through this message screen.

In this step 666, the insurance user 30 who joins the automobile insurance becomes the insurance service provider 20.
Notification of the method of payment of insurance premiums received from the company is given in the message screen shown in FIG. If you use the payment method, select the payment method of "Additional amount of premium to be used and pay it", and select the first "Withdraw from bank account specified for each charge" on the message screen shown in FIG. This is to notify that the state has been changed. In the message screen shown in FIG. 43, the second item “the total basic premium during the insurance contract period is paid in a divided manner for each fixed period, and when the insurance is used during the fixed period, the used insurance is only for that amount. If the payment method of "pay with additional fee" is selected, insurance member 3
The basic premium paid to maintain the insurance contract during the contract period determined by 0 for a certain period (for example, one month)
The basic premium divided for each fixed period (for example, one month) is added to the basic premium divided for each fixed period (for example, one month). Is charged every fixed period (for example, one month), and the charged amount is automatically deducted from the bank account specified by the insurance member 30.

Therefore, in the message screen shown in FIG. 43, the second basic insurance premium during the insurance contract period is paid for each fixed period, and when the insurance is used during the certain period, the corresponding In the case where the payment method of “additional use insurance premium is paid” is selected and the first “Withdraw from bank account specified for each charge” is selected on the message screen shown in FIG. The notice of the method of paying the insurance premium paid by the insurance use member 30 who takes out the automobile insurance from the insurance service provider 20 is as follows:
The basic premium to be paid for maintaining the insurance contract during the contract period determined by the insurance user 30 is divided for each fixed period (for example, one month),
Monthly) is divided into basic premiums for a certain period (for example,
The amount obtained by adding the insurance premium used (used) for one month) (the insurance premium for the portion covered by the insurance) is charged every fixed period (for example, one month). Is automatically debited from the bank account specified by the insurance member 30.

Therefore, in the message screen shown in FIG. 43, the second item “Total basic premium during the insurance contract period is paid in a fixed period, and when the insurance is used during the fixed period, Pay only with the premium used only ”
When the specific payment method of “Debit from the bank account specified for each billing” in the message screen shown in No. 4 is selected, the premium to be paid is “(basic premium for a certain period) + (for a certain period) Total use premium)] is insurance member 3
It will be automatically debited from the bank account designated as 0.

More specifically, taking as an example the payment of the premium paid in September in FIG. 30, the basic premium A in September is replaced by the premium used in the insurance used (used) in September. Is added as D (A + D) is charged as the insurance premium paid for September, and this paid insurance premium (A + D) for September is automatically paid from the bank account designated by the insurance user 30 on the last day of September. Will be debited.

In step 666, the insurance service provider 20 transmits a message screen showing the method of paying the used premium as shown in FIG. 58, and then in step 668, the insurance user 30 From the service provider 20, as shown in FIG.
"The car insurance contract has been signed."
The message screen indicating that the automobile insurance contract has been established is transmitted, and the automobile insurance contract is established. In step 668, the insurance user 30 receives that the desired automobile insurance contract has been established. To end.

At step 652, an inquiry as to whether or not to pay the basic premium (basic premium) of the automobile insurance premium is received at once, and at step 654, the basic premium (basic premium) of the automobile insurance premium paid. Is determined not to be paid in a lump, that is, in step 654, the insurance user 30 who wants to join the automobile insurance selects (NO) on the message screen shown in FIG. 49 (clicks).
Then, in step 670, the insurance member 30
As shown in FIG. 54, the insurance service provider 20 stated, "Auto insurance contract has been concluded.
Is received and a message screen indicating that the automobile insurance contract has been established is received, and the fact that the automobile insurance contract has been established is received.

In step 670, when the insurance service provider 20 receives a message screen indicating that an automobile insurance contract as shown in FIG.
In step 672, as shown in FIG. 55, the insurance service provider 20 states that "the premium paid for the automobile insurance to which you subscribe is calculated by adding the basic premium to the used premium every month, and A message screen indicating the basic insurance premium paid for the car insurance and the method of paying the used insurance premium is sent, and the insurance user 30 receives the used insurance premium from this message screen. Check the payment method.

In this step 672, the insurance user 30 who joins the automobile insurance becomes the insurance service provider 20
Notification of the method of payment of the premium to be received from the company is given in the message screen shown in FIG. Select the payment method of "Pay total used insurance premium", and inform the user that "Debit from bank account specified for each billing" is selected on the message screen shown in FIG. It is. FIG. 43
Select the payment method of No. 3 "Pay the total basic premium during the insurance contract period and pay the total premium used during the fixed period every fixed period" on the message screen shown in If the car insurance contract is concluded based on the application of the automobile insurance by the insurance member 30, the basic premium to be paid to the insurance member 30 to maintain the insurance contract during the determined contract period is provided. A lump sum claim is made, and the total basic insurance premium is automatically deducted from the bank account designated by the insurance user 30 based on this claim. Insurance premiums) are tabulated for each fixed period (for example, one month) and billed for each fixed period (for example, one month), and the charged amount is automatically calculated from the bank account specified by the insurance member 30. Pull to It is.

Therefore, in the message screen shown in FIG. 43, the total basic insurance premium during the insurance contract period of No. 3 is paid in a lump, and the total premium used during the fixed period is paid at regular intervals. Step 672: When selecting the payment method of the automobile insurance premium and selecting the specific payment method of "debit from the designated bank account for each billing" on the message screen shown in FIG. The notice of the method of paying the insurance premium paid by the insurance user 30 who joins the automobile insurance received from the insurance service providing company 20 is based on the insurance premium (insurance) used (used) for a certain period (for example, one month). Is charged only for a certain period of time (for example, one month),
This is a notification that the requested amount is automatically deducted from the bank account designated by the insurance user 30.

That is, in the message screen shown in FIG. 43, the total basic insurance premium during the insurance contract period of No. 3 is collectively paid, and the total premium used during the fixed period is paid at regular intervals. If you select the method of paying the insurance premium paid for the car insurance and select the first specific method of "debit from the bank account specified for each billing" on the message screen shown in FIG. 44, the premium paid will be In this case, the "total premium used within a certain period" is automatically deducted from the designated bank account.

More specifically, the payment of the paid premium will be described with reference to the graph showing the basic premium and the monthly premium used in FIG. 30. The total (A × 12) of basic insurance premiums (insurance insurance premiums paid to maintain the insurance policy during the contract period) determined by the type and content is designated by the insurance member 30 in April when the automobile insurance was taken out You will be automatically debited from your bank account. Then, the insurance premium used (used) for a certain period (for example, one month) (the insurance premium used for applying the insurance), FIG.
B in May, C in June, B in July, G in August
.. And the sum of the premiums used during the month is billed in the month, and the billed amount is automatically calculated each time (for example, at the end of the month) from the bank account designated by the insurance member 30. Will be debited.

When a message screen showing the basic insurance premium and the method for paying the used insurance premium of the automobile insurance subscribed in step 672 is received, step 6 is executed.
At 74, the insurance user 30 transmits an acknowledgment to the insurance service provider 20. That is, the insurance user 30 selects (clicks) “YES” on the message screen shown in FIG. 60 for the insurance service provider 20.
Then, this flow ends.

Note that, in the flowcharts shown in FIGS. 15 to 17, when the second "Prepay premiums paid" is selected on the message screen shown in FIG. 44, the message shown in FIG. 43 is displayed. On the screen, select the first method of paying the insurance premium for the car insurance, "Pay only for a certain period for which the insurance subscriber wishes to apply the insurance,"
In the message screen shown in FIG. 4, only the case where the specific payment method of “Prepay the insurance premium paid” is selected, but the second “Insurance period of insurance” is displayed on the message screen shown in FIG. The total basic insurance premium is divided and paid at regular intervals, and if the insurance is used during that fixed period, the premium for use is paid for that amount. Select “No. 2 Prepaid insurance premiums” on the message screen shown in FIG.
When the specific payment method is selected, the total basic premium during the insurance contract period of No. 3 is collectively paid on the message screen shown in FIG. In some cases, the user may select the method of paying the insurance premium to pay the used insurance premium, and select the second specific payment method of "Prepay the premium paid" on the message screen shown in FIG.

First, on the message screen shown in FIG. 43, the second basic insurance premium during the insurance contract period is paid for each fixed period, and when the insurance is used during the fixed period, the corresponding amount is used. Select the method of paying the insurance premium paid for the car insurance and add the second premium on the message screen shown in FIG. 45.
The case where the specific payment method is selected will be described.

In the message screen shown in FIG. 43, the second item “The total basic premium during the insurance contract period is paid in a fixed period, and when the insurance is used during the fixed period, only that amount is paid. In the case where the payment method of the automobile insurance premium is selected by adding the used premium and the specific payment method of “Prepay the premium paid” is selected on the message screen shown in FIG. Divides a basic premium to be paid for maintaining an insurance contract during a contract period determined by the insurance user 30 for each fixed period (for example, one month), and for each fixed period (for example, one month) The sum of the divided basic insurance premium and the usage premium of the insurance used (used) for a certain period (for example, one month) is added to the fixed basic premium for a certain period (for example, 1 month). months)
The insurance member 30
Is reduced from the prepaid amount (predicted insurance premium paid).

Accordingly, in the message screen shown in FIG. 43, the second “the total basic premium during the insurance contract period is paid in a fixed period, and when the insurance is used during the fixed period, Pay only with the premium used only ”
When the specific payment method “Prepay premium paid” in the message screen shown in 5 is selected, the premium paid is “(basic premium for a certain period) + (total premium used for a certain period)” Will be reduced from the advance payment (predicted insurance premium).

More specifically, referring to the case of paying the premium paid in August in FIG. 31, the use of the insurance used (used) in August is added to the basic insurance premium (A / 12) in August. Insurance premium is (A / 12) + (ED) +
(ED) is charged as the paid premium for August, and the paid premium (A / 12) for this August + (ED) is the advance payment (predicted paid premium) at the end of August. Will be reduced.
As shown in FIG. 31, the amount of the prepaid money (predicted insurance premium) is reduced by a fixed amount (A / 12), and the used premium is reduced as shown in FIG. Will decrease by the sum of usage.

Next, on the message screen shown in FIG. 43, the total basic insurance premium during the insurance contract period of No. 3 is paid in a lump, and the total used premium used within the certain period is deducted at regular intervals. A case will be described in which the payment method of the "pay" automobile insurance premium is selected, and the second concrete method of "prepaid the premium paid" is selected on the message screen shown in FIG.

In the message screen shown in FIG. 43, the third item “total payment of the total basic premium during the insurance contract period,
Pay the total premiums used during the fixed period every fixed period. "
If the user selects the second specific payment method “Prepay insurance premiums paid” on the message screen shown in FIG. 45,
When the automobile insurance contract is concluded based on the application of the automobile insurance by the insurance member 30, the basic premium to be paid for maintaining the insurance contract during the determined contract period is collectively charged to the insurance member 30, Based on the claim, the total basic premium is reduced from the advance payment (predicted premium),
Thereafter, the usage premiums of the used (used) insurance (the insurance premiums for the portion covered by the insurance) are tabulated for a certain period (for example, one month) and charged for a certain period (for example, one month) The charged amount is reduced from the advance payment (predicted insurance premium).

Accordingly, in the message screen shown in FIG. 43, the total basic insurance premium during the insurance contract period is paid in a lump, and the total used premium used within the predetermined period is paid at regular intervals. If you select the method of paying the insurance premium paid for the car insurance and select the specific payment method of "Prepay the paid insurance premium" on the message screen shown in FIG. 44, the paid premium will be "within a certain period of time. The “total used insurance premium” is reduced from the advance payment (predicted insurance premium).

More specifically, the payment of the paid insurance premium will be described with reference to the graph of FIG. 31 showing the basic insurance premium and the monthly premium used. The total (A) of basic premiums (insurance insurance premiums paid to maintain the insurance contract during the contract period) determined by the type and content delivers the total (L) of advance payments (predicted premiums paid) Then, in April when they joined the car insurance, they are reduced from the advance payment (predicted insurance premium) (L). Then, the insurance premium used (used) for a certain period of time (for example, one month) (the premium used for applying the insurance), FIG. B), (D-C) in July, (E) in August
−D)... And the sum of the premiums used in the month is billed in the month, and the billed amount is calculated from the advance payment (predicted premium) each time (for example, at the end of the month). It is reduced.

Also, in the flowcharts shown in FIGS. 15 to 17, the message screen shown in FIG.
When the specific payment method is selected, see FIG.
In the message screen shown in No. 3, “No. 2 of the total basic premium during the insurance contract period is paid in a fixed period, and when the insurance is used during the fixed period, 44 and select the payment method of
In the message screen shown in FIG. 43, when the specific payment method of "debit from the designated bank account for each billing" is selected, and in the message screen shown in FIG. Pay only for a certain period of time you want to pay. "Select the method of paying the car insurance premium, and in the message screen shown in FIG. 44, specify the first payment method" Debit from bank account specified for each billing ". Although only the case of selection has been described, in the message screen shown in FIG. 43, the first method of paying the insurance premium paid for the automobile insurance, “Pay for a certain period during which the insurance subscriber desires to apply insurance,” is selected. On the message screen shown in FIG. 45, there is also a case where the specific payment method of "debit from designated bank account for each billing" is selected.

Here, on the message screen shown in FIG. 43, the first method of paying the automobile insurance premium “pay only for a certain period during which the insurance subscriber wishes to apply insurance” is selected, and the method shown in FIG. 45 is selected. The case where the specific payment method of “debit from the designated bank account for each billing” is selected on the message screen is described below.

In the message screen shown in FIG. 43, the user selects the first method of paying the automobile insurance premium “pay only for a certain period during which the insurance subscriber wishes to apply insurance”, and the message shown in FIG. 45 is displayed. When the specific payment method of "Debit from the bank account specified for each first claim on the screen" is selected, the basic insurance premium paid to maintain the insurance contract during the contract period determined by the insurance user 30 and The insurance premium required to receive the insurance is charged for the desired period of the insurance user 30 who has been covered by the insurance after the end of the insurance application period. It is automatically deducted from the bank account designated by the member 30.

Therefore, on the message screen shown in FIG. 43, the first method of paying the automobile insurance premium “pay only for a certain period during which the insurance subscriber desires to apply insurance” is selected, and the method shown in FIG. 45 is selected. If you select the specific payment method of “Debit from the designated bank account for each billing” on the message screen, the insurance premium paid will be “(basic premium for the period covered by insurance) + (insurance used for that period) Fee)
Will be automatically debited from the bank account specified by. That is, the method of paying the insurance premium paid for the automobile insurance is such that the insurance user 30
Even if the insurance contract is concluded with the insurance company 10 (or the insurance company 10), no insurance premium is paid unless the insurance user 30 desires to apply the insurance. Therefore, this method of paying automobile insurance premiums allows insurance to be used only when necessary, and is tailored to the degree of use of insurance coverage. It plays a role in reducing the difference in insurance premiums with those who do not use it. With this method of paying insurance premiums for automobile insurance, it is possible to set premiums to be paid one time during the life of the automobile insurance so that there is no gap between the insurance and the standard insurance that is insured. it can.

Next, the processing flow on the insurance service provider 20 side of the automobile insurance subscription based on the application of automobile insurance to the insurance service provider 20 of the insurance user 30 will be described with reference to FIGS.

[0127] In the figure, in step 702, the insurance service provider 20 provides access to an insurance application from an insurance user 30 who wants to apply for automobile insurance by accessing terminal equipment such as the PC 31, the on-board equipment 32, and the portable terminal 33. Receive from. Then, in step 604, the insurance service provider 20 makes an inquiry about the insurance desired to join as shown in FIG. When an inquiry about the insurance desired to be enrolled is made in step 704, in step 706, an answer of the automobile insurance desired to be enrolled is received from the insurance user 30. In step 706, when the response of the automobile insurance desired to be enrolled is received, in step 708, the member No.
Inquires about the D code. In response to the inquiry in step 708, in step 710, when an answer from the insurance member 30 is received, step 712 is executed.
, A member number (ID code) stored in the member database 74 is checked to determine that the member is a member.
That is, it is confirmed that the member registration has been made, and in step 714, the insurance user 30 is queried for information on the insurance-enrolled vehicle as shown in FIG.

In response to the inquiry about the information of the insurance participating vehicle in step 714, when the response (input message in FIG. 36) from the insurance member 30 is received in step 716, the response is received from the insurance member 30 in step 718. The information on the insurance-enrolled vehicle is stored in the vehicle information database 75. And step 72
At 0, an input message screen as shown in FIG. 37 is transmitted, and the insurance use member 30 is inquired about the use information of the insurance-enrolled vehicle. In response to the inquiry about the use information of the insurance-enrolled vehicle as shown in FIG.
In step 722, upon receiving a response (the input message in FIG. 37) from the insurance member 30, step 7
At 24, the use information of the insurance participating vehicle returned from the insurance user 30 is stored in the vehicle information database 75.

In step 724, when the use information of the insurance-enrolled vehicle is stored in the vehicle information database 75,
In step 726, an inquiry about the type of insurance (personal compensation, objective compensation, etc.) from the insurance user 30 is received. In step 726, upon receiving an inquiry about the type of insurance (personal compensation, objective compensation, etc.) from the insurance member 30, in step 728, the insurance member 3
At 0, a message of insurance contents stored in the automobile insurance contents database 76 is transmitted as shown in FIG. In step 728, when the message screen about the type of insurance and each content is transmitted, in step 730, the insurance member 30
Receives the specification of the contents of the car insurance from
In step 2, the basic insurance premium of the insurance premium to be added to the insurance premium stored in the insurance premium database 79 is transmitted to the insurance user 30 as shown in FIG. This step 732
When the basic premium of the paid premium is transmitted in step 734, in step 734, an understanding of the basic premium of the paid premium from the insurance user 30 is received. In step 734, when the consent for the basic premium is received, in step 736, the insurance member 30 consents and stores the basic premium in the member database 74.

Next, in step 738, an inquiry is made to the insurance user 30 as to the method of calculating the insurance premium to be used for the insurance premium to be paid as shown in FIG. In response to the inquiry about the method of calculating the premium to be used for the insurance premium to be paid for the insurance in step 738, in step 740, when the response (input message in FIG. 40) from the insurance user 30 is received, in step 742, Regarding the method of calculating the use premium of the insurance premium paid out by the member 30, the unit use premium stored in the premium database 79, “use premium according to riding time” (FIG. 41), or “Usage premium according to riding distance” (FIG. 42) is transmitted to insurance user 30.

When the unit use premium is transmitted in step 742, in step 744, an inquiry is made as to the method of paying the insurance premium paid for the automobile insurance and the specific method of paying the insurance premium paid for the automobile insurance to join the insurance user 30. I do. First, as shown in FIG. 43, an inquiry is made as to the method of paying the insurance premium paid for the automobile insurance desired to be subscribed. Thereafter, as shown in FIG. Inquire about payment method. The insurance member 30 for the inquiry about the method of paying the insurance premium to be paid and the specific method of paying the insurance premium for the car insurance in step 744.
Is received (the input message in FIG. 45), in step 746, the insurance user 30 determines whether or not he / she has answered the advance payment. If the insurance member 30 has responded to the advance payment, in step 748, an inquiry about the advance payment from the insurance member 30 is received. In step 748, when the inquiry about the advance payment from the insurance user 30 is received, in step 750, the insurance user 30 is presented with the annual advance payment as shown in FIG.

When the insurance user 30 understands the annual advance payment presented in step 750, step 75
In step 2, the presented annual deposit is requested to the insurance member 30 as shown in FIG. 47. In step 754, the annual deposit paid by the insurance member 30 is received. Upon receiving the annual prepaid amount paid by the insurance member 30 in step 754, the prepaid amount (prepaid insurance premium) paid by the insurance member 30 in step 756.
Is registered in the member registration card 60, and in step 758, the prepaid amount paid by the insurance member 30 is stored in the prepaid database 78 and stored as the fund for the paid premium. In step 758, the prepaid money is stored in the prepaid money database 78. In step 760, the insurance user 30 who is enrolled in automobile insurance receives the prepaid money (predicted paid premium) and receives the paid premium. The payment method is notified as shown in FIG. This step 760
In step 762, the receipt of the advance payment (predicted insurance premium) and the notification of the method of paying the paid insurance premium are notified to the insurance user 30 who is enrolled in the automobile insurance. And the payment method of the paid premium are stored in the premium payment status database 80. In this step 762, the prepaid amount (predicted insurance premium paid) and the method of paying the paid insurance premium are stored in the premium payment status database 8
When stored in 0, in step 764, the insurance member 30 is notified of the conclusion of the insurance contract, and the flow ends.

If it is determined in step 746 that the insurance user 30 has not responded to the advance payment, the process proceeds to step 76.
In step 6, a message screen as shown in FIG. 49 is transmitted, and an inquiry is made as to whether or not to pay the basic premium of the automobile insurance premium in a lump. In response to the inquiry in step 766, in step 768, if the answer (the input message in FIG. 49) of the insurance user 30 is to collectively pay the basic insurance premium, step 77.
At 0, an inquiry is received from the insurance user 30 regarding the total amount of the lump sum of the basic premium paid. In response to the inquiry from the insurance user 30 in step 770 about the total amount of the lump-sum payment of the basic premium paid, in step 772 the insurance premium database 79
Fig. 50 shows the total amount of the basic insurance premiums stored in
Send as shown in If the total amount of the basic insurance premium payment is transmitted in step 772, step 774
At step 776, the total amount of the basic insurance premium is paid as a lump sum as shown in FIG. 51.

In step 776, the total amount of the basic insurance premium is paid in a lump sum. In step 778, the basic premium of the paid premium is received in a lump, and in step 780, the lump sum of the basic The premium is stored in the premium payment status database 80. When the basic insurance premiums paid in a lump in step 780 are stored in the premium payment status database 80, in step 782, the fact that the basic premiums of the paid insurance premiums have been received in a lump for the insurance member 30 is indicated. The notification is made as shown in FIG. Then, in step 784, the insurance member 30 is notified of the method of paying the used premium of the paid premium as shown in FIG. This step 78
In step 786, a notification of the basic insurance premium of the paid premium notified to the insurance user 30 is given in step 786.
The method of paying the premium used is stored in the premium payment status database 80. In this step 786, the method of collectively receiving the basic premium of the paid premium and the method of paying the used premium of the paid premium is described in the premium payment status database 80.
In step 788, the insurance member 30 is notified of the conclusion of the insurance contract, and the flow ends.

If the answer (the input message in FIG. 49) of the insurance member 30 does not indicate that the basic insurance premium is to be paid at once in step 768, the insurance member 30 is insured in step 790. The contract establishment is notified as shown in FIG. This step 790
In step 792, the insurance member is notified of the conclusion of the insurance contract, and in step 792, the insurance member 30 is notified of the basic insurance premium of the insurance premium paid and the method of payment of the used insurance premium.
Perform as shown in In step 792, when the method of paying the basic insurance premium and the method of paying the used insurance premium of the participation insurance is notified, in step 794, the insurance user 30
Received an understanding of the basic insurance premiums paid and the method of payment of premiums used. Upon receiving the approval of the insurance user 30 in step 794, step 796 is executed.
In, the basic insurance premium and the method of paying the used insurance premium are stored in the premium payment status database 80, and the flow ends.

The calculation of the insurance premium paid according to the riding time in the car insurance contract thus established is shown in FIGS.
It is executed according to the processing flow shown in FIG.

First, in step 802, it is confirmed that the method of calculating the used premium of the paid insurance premium in the car insurance contract concluded by the insurance user 30 is the used premium according to the riding time. If it is confirmed in step 802 that the method of calculating the premium used for the automobile insurance premium is in accordance with the riding time, step 804 is performed.
Calculates the usage premium for the ride time.
The riding time is, specifically, a time during which the vehicle is being driven (for example, every 10 minutes, every 20 minutes, every 30 minutes, etc.). It is considered that it is necessary to apply insurance while the car is running (the engine is running) even when it is not running. Specifically, the insurance user 30 starts the engine of the car. At this point, the application of insurance is started, and when the engine of the vehicle is stopped, the application of insurance is stopped, and the insurance premium applied to the vehicle is charged during the period from the start of the engine of the vehicle to the stop of the engine.

In step 804, the calculation (calculation) of the insurance premium for the ride time is performed.
In step 6, the insurance member 30 is billed for the insurance premium for the calculated (calculated) riding time. The claim to the insurance use member 30 for the use insurance premium for the riding time is, specifically, for each fixed period, the sum of the amount used (used) during that period. In response to the request to the insurance member 30 for the usage premium for the calculated (calculated) ride time, in step 808, the insurance member 3
If 0 is accepted, it is determined in step 810 whether the paid insurance premium has been paid in advance. This step 81
If it is determined in step 812 that the insurance user 30 is using the premium payment system,
A process of subtracting the used insurance premium for the required riding time from the prepaid insurance premium registered in the member registration card 60 is performed.

In this step 812, a subtraction process is performed from the prepaid premium registered in the member registration card 60. In step 814, it is determined whether or not the automobile insurance contract concluded by the insurance user 30 has expired. . If the car insurance contract concluded by the insurance member 30 is not expired in step 814, step 804 is executed.
Then, the calculation processing of the insurance premium paid in the automobile insurance contract is performed. In step 814, the insurance member 3
If it is determined that the car insurance contract concluded by 0 is the expiration of the contract (the expiration date of the car insurance contract contracted with the insurance user 30 is approaching), the insurance service provider 20 notifies the insurance user 30 at step 816. On the other hand, the fact that the expiration date of the car insurance contract is approaching is transmitted. Then, in step 818, the insurance service provider 20 makes an inquiry to the insurance user 30 as to whether to continue (update) car insurance. If it is determined in step 818 that the insurance user 30 does not continue (renew) the car insurance, in step 820, an inquiry is made as to how to settle the prepaid money due to the termination of the contract. In the inquiry about the settlement method of the prepaid money at the end of the contract in step 820, if the payment method of deducting the paid insurance premium from the bank account is adopted, the processing up to step 824 is not performed thereafter.

At this step 820, when an inquiry is made as to the method of reimbursement of the advance payment due to the termination of the contract,
At 22, the insurance service provider 20 receives an instruction from the insurance user 30 on how to settle the prepaid amount due to the termination of the contract, and at step 824, the member registration card 6
The payment processing of the prepaid premium registered in 0 is performed. And
In step 826, the insurance service provider 20
Notifies the insurance user 30 of the end of the car insurance contract. In this step 826, the insurance member 3
When the notification of the end of the car insurance contract is made at 0, step 8
At 28, the end of the car insurance contract is recorded on the member registration card 60, and this processing flow ends.

When the insurance member 30 determines in step 818 to continue (update) the car insurance,
In step 830, the advance payment at the end of the car insurance contract due to the end of the car insurance contract is settled.
Then, in step 832, the insurance service provider 20 inquires of the insurance user 30 about the processing of the settlement advance payment at the end of the car insurance contract.
In other words, an inquiry is made as to how to settle the payment due at the end of the automobile insurance contract (return, allocate it to another service provision fee, carry over to the continuing automobile insurance contract fee, etc.). The response of the insurance member 30 to the processing of the payment advance payment at the end of the car insurance contract inquired in step 832 is
At 34, renewal of payment advance is renewal of car insurance (continuation)
It is determined whether or not the amount is to be applied to a part of the insurance premium paid at the time.

If the answer from the insurance member 30 in step 834 indicates that the payment advance is to be applied to a part of the premium paid for renewing (continuing) the automobile insurance, step 836 is executed. The insurance service provider 20 requests the insurance user 30 to pay a new prepaid amount by subtracting the remaining prepaid amount from the renewal (continuation) car insurance prepaid amount. The renewal (continuation) automobile insurance prepaid paid (prepaid) by the insurance user 30 based on the request in step 836 is calculated in step 83.
At step 8, the insurance service provider 20 receives the renewal (continuation) automobile insurance deposit in the member registration card 60 at step 840. This step 84
0, the deposit is registered in the member registration card 60, and in step 842, the insurance service provider 2
0 stores the paid renewal (continuation) automobile insurance prepaid in the prepaid database 78 and stores it as a fund for paid insurance premiums. When the prepaid money is stored in the prepaid money database 78 in this step 842, in step 844, the insurance user 30 who has applied for the renewal (continuation) of the automobile insurance receives the prepaid money (predicted insurance premium),
The notification of the insurance premium payment method is performed as shown in FIG.
In this step 844, the advance payment (predicted insurance premium)
Is received and the method of paying the paid insurance premium is notified, and in step 846, the prepaid amount (predicted paid premium) and the prepaid amount notified to the insurance member 30 who has applied for renewal (continuation) of the automobile insurance are notified. The method of paying the paid premium is stored in the premium payment status database 80. When the prepaid amount (predicted insurance premium) and the method of paying the premium paid are stored in the premium payment status database 80 in step 846, the insurance user 30 who has applied for the renewal (continuation) of the automobile insurance is stored in step 848. On the other hand, the insurance contract establishment (renewal establishment) is notified, and the flow ends.

If the answer from the insurance member 30 in Step 834 indicates that the payment advance is not applied to a part of the premium paid for renewing (continuing) the automobile insurance, Step 850 is executed. The insurance service providing company 20 makes an inquiry to the insurance user 30 as to how to return the prepaid money after the settlement. This step 85
In response to the inquiry about the method of returning the prepaid money after settlement at 0, the insurance service provider 20 receives a response from the insurance member 30 in step 852, and the insurance service provider 20 sends the insurance member 30 We will return the advance payment. When the prepaid money after the settlement is returned to the insurance user 30 in step 854, step 8
At 56, a new automobile insurance application is made based on FIGS.

At step 858, it is determined whether or not the basic insurance premium has been paid in a lump. If it is determined in step 858 that the basic premium of the paid premium has been paid in a lump, step 86
At 0, an amount corresponding to the usage insurance fee for the riding time is charged at regular intervals (monthly) and debited from a bank account designated in advance. If it is determined in step 858 that the basic premium of the paid premium has not been paid in a lump, in step 862, the amount obtained by adding the used premium for the riding time to the basic premium is fixed period (monthly). Make a request and withdraw from the bank account specified in advance.

Next, the calculation of the insurance premium to be paid according to the mileage in the established automobile insurance contract is executed according to the processing flow as shown in FIGS.

First, in step 902, it is confirmed that the method of calculating the used premium of the paid insurance premium in the automobile insurance contract concluded by the insurance user 30 is the used premium according to the mileage. If it is confirmed in step 902 that the method of calculating the usage premium of the insurance premium paid for the automobile insurance is in accordance with the mileage, step 904 is performed.
In the insurance service provider 20, the automobile insurance is provided at regular intervals (for example, every day,
Polling is performed every three days, every week, etc., and travel distance information is collected. In step 906, the mileage information obtained by the polling is transmitted to the insurance service provider 2
0 is recorded on the member registration card 60. When the mileage of the automobile covered by the insurance is recorded in the membership registration card 60 by the polling, in step 908, the insurance service provider 20 responds to the mileage based on the mileage obtained by the polling. The used insurance premium (for example, ○○○ yen per km) is calculated. Based on the calculation of the use premium, step 91 is executed.
At 0, the insurance service provider 20 bills the insurance user 30 for the use premium. When the request for the insurance premium to be used by the insurance user 30 is approved by the insurance user 30, the insurance service provider 20 receives the approval of the insurance premium claim for the insurance user 30 in step 912. . If the insurance premium charged to the insurance member 30 is accepted in step 912, it is determined in step 914 whether the paid insurance premium is paid in advance. If it is determined in step 914 that the insurance user 30 uses the prepaid insurance premium system, in step 916 the member registration card 60
The processing of subtracting the used insurance premium for the claimed mileage from the prepaid insurance premium registered in the.

If it is determined in step 914 that the insurance user 30 does not use the prepaid insurance premium system, in step 918, it is determined whether the basic premium of the paid premium has been paid in a lump. . If it is determined in step 918 that the basic premium of the paid premium has been paid in a lump, in step 920,
An amount corresponding to the usage insurance premium for the mileage is charged at regular intervals (monthly) and debited from a bank account specified in advance. If it is determined in step 918 that the basic premium of the paid premium has not been paid in a lump, in step 922, the amount obtained by adding the used premium to the mileage to the basic premium is fixed period (monthly). Make a request and withdraw from the bank account specified in advance.

Further, in step 916, a subtraction process is performed from the prepaid premium registered in the member registration card 60. In step 924, it is determined whether or not the automobile insurance contract concluded by the insurance user 30 has expired. I do. If the car insurance contract concluded by the insurance user 30 is not expired in step 924, step 90
Returning to 4, the calculation processing of the insurance premium paid in the automobile insurance contract is performed. If it is determined in step 924 that the car insurance contract concluded by the insurance user 30 is the expiration of the contract (the expiration date of the car insurance contract contracted with the insurance user 30 is approaching), in step 926 the insurance service provider 20 transmits to the insurance user 30 that the expiration date of the car insurance contract is approaching. Then, in step 928, the insurance service provider 20 inquires of the insurance user 30 whether to continue (update) car insurance. If it is determined in step 928 that the insurance user 30 does not continue (renew) the car insurance, in step 930, an inquiry is made as to the method of adjusting the prepaid money due to the termination of the contract. In the inquiry about the settlement method of the prepaid money at the end of the contract in step 930, if the payment method of deducting the paid insurance premium from the bank account is adopted, the processing up to step 934 is not performed thereafter.

At this step 930, when an inquiry is made as to the method of reimbursement of the advance payment due to the termination of the contract, step 9
At step 32, the insurance service provider 20 receives an instruction from the insurance member 30 on how to settle the prepaid amount due to the termination of the contract. At step 934, the member registration card 6
The payment processing of the prepaid premium registered in 0 is performed. And
In step 936, the insurance service provider 20
Notifies the insurance user 30 of the end of the car insurance contract. In step 936, the insurance member 3
When the notification of the end of the car insurance contract is made to 0, step 9
At 38, the end of the car insurance contract is recorded on the member registration card 60, and this processing flow ends.

If the insurance member 30 determines in step 928 to continue (update) the car insurance,
In step 940, the advance payment at the end of the car insurance contract due to the end of the car insurance contract is settled.
Then, in step 942, the insurance service providing company 20 makes an inquiry to the insurance user 30 about the processing of the payment advance payment at the end of the car insurance contract.
In other words, an inquiry is made as to how to settle the payment due at the end of the automobile insurance contract (return, allocate it to another service provision fee, carry over to the continuing automobile insurance contract fee, etc.). The response of the insurance user 30 to the processing of the settlement advance payment at the end of the car insurance contract inquired in step 942 is made in step 9.
At 44, renewal of the reimbursement deposit is renewed (continued)
It is determined whether or not the amount is to be applied to a part of the insurance premium paid at the time.

If the answer from the insurance member 30 in this step 944 indicates that the payment advance is to be applied to a part of the insurance premium paid for renewing (continuing) the automobile insurance, step 946 is executed. The insurance service provider 20 requests the insurance user 30 to pay a new prepaid amount by subtracting the remaining prepaid amount from the renewal (continuation) car insurance prepaid amount. The prepaid amount of the renewal (continuation) automobile insurance paid (prepaid) by the insurance user 30 based on the request in step 946 is transferred to step 94.
In step 8, the insurance service provider 20 registers the renewal (continuation) automobile insurance deposit in the member registration card 60 in step 948. This step 95
0, the deposit is registered in the member registration card 60, and in step 952, the insurance service provider 2
0 stores the paid renewal (continuation) automobile insurance prepaid in the prepaid database 78 and stores it as a fund for paid insurance premiums. When the deposit is stored in the deposit database 78 in step 952, in step 954, the insurance user 30 who has applied for the renewal (continuation) of the automobile insurance receives the deposit (predicted premium),
The notification of the insurance premium payment method is performed as shown in FIG.
In this step 954, advance payment (predicted insurance premium)
Is received and the method of paying the paid insurance premium is notified, and in step 956, the prepaid amount (predicted paid premium) and the prepaid amount notified to the insurance member 30 who has applied for the renewal (continuation) of the automobile insurance. The method of paying the paid premium is stored in the premium payment status database 80. When the prepaid amount (predicted premium paid) and the method of paying the premium paid are stored in the premium payment status database 80 in step 956, in step 958, the insurance user 30 who has applied for renewal (continuation) of the automobile insurance is provided. On the other hand, the insurance contract establishment (renewal establishment) is notified, and the flow ends.

If the answer from the insurance member 30 in step 942 indicates that the payment advance is not to be applied to part of the premium paid for renewing (continuing) the car insurance, step 960 is executed. The insurance service providing company 20 makes an inquiry to the insurance user 30 as to how to return the prepaid money after the settlement. This step 96
In response to the inquiry about the method of returning the prepaid money after the settlement at 0, the insurance service providing company 20 receives the answer from the insurance user 30 in step 962, and the insurance service provider 20 sends the We will return the advance payment. When the prepaid money after the settlement is returned to the insurance user 30 in step 964, step 9
At 66, a new automobile insurance application is made based on FIGS.

The insurance premium paid in the automobile insurance contract concluded by the insurance user 30 is paid based on the claim. However, when the paid insurance premium is not paid or the prepaid amount is insufficient, the reduction processing cannot be performed. 28 to 29 show the processing when recovering the car insurance that has been terminated halfway.
This will be described with reference to the processing flowchart shown in FIG.

In the figure, first, in step 1002, the insurance service providing company 20
Insurance member 3
Debit from the designated bank account of 0. Then, in step 1004, the insurance service providing company 20 determines whether or not the insurance premium paid to the insurance user 30 has been deducted from the bank account designated by the insurance user 30. If it is determined in step 1004 that the claimed insurance premium has been deducted, the flow is terminated.

If it is determined in step 1004 that the insured premium paid cannot be deducted, in step 1006, the insurance service providing company 20 sends the insurance member 30 a message " The premium you paid for this month could not be deducted from the bank account you specified.If you intend to continue your auto insurance policy, please immediately transfer it to the bank account you specified. " A message screen urging the payment of the insurance premium charged for the insurance is transmitted, and the insurance member 30 performs a payment process to the bank account designated by the message screen.

If the requested insurance premium cannot be reduced from the prepaid amount, in step 1006, the insurance service provider 20 sends the insurance member 30 to the insurance member 30 as shown in FIG. Your prepaid insurance premium was insufficient, and the premium you paid for this month could not be reduced from your prepaid insurance premium.If you plan to continue your car insurance contract, I would like additional payment of insurance premium.
Is transmitted, and a message screen urging additional payment of the missing prepaid premium is transmitted, and the insurance user 30
Performs the additional payment processing of the prepaid insurance premium using this message screen.

In this step 1006, when the insurance service provider 20 urges the insurance member 30 to pay the requested insurance premium, the step 1008 is performed.
In step (3), the requested insurance premium is deducted from the bank account designated by the insurance user 30 again. After deducting the premium paid in step 1008 from the bank account designated by the insurance member 30, in step 1010, the insurance service provider 20
Determines whether the insurance premium paid to the insurance member 30 has been deducted from the bank account designated by the insurance member 30. If it is determined in step 1010 that the claimed insurance premium has been deducted, the flow ends.

If it is determined in step 1010 that the insured premium paid cannot be deducted, in step 1012 the insurance service provider 20 pays the insured member 30 the paid insurance premium. Warn you to In step 1012, the insurance member 3 from the insurance service provider 20
If you warn you to pay the premium you claimed for 0,
In step 1014, the insurance service provider 20
Notifies the insurance use member 30 of the grace period of the paid insurance premium, and reminds the paid premium to be paid again. After the grace period has elapsed, the insurance service provider 20 debits the bank account designated by the insurance member 30. In step 1016, the insurance service provider 20 determines that the insurance member 30 It is determined whether the insurance premium paid to the insurance user 30 has been deducted from the account. If it is determined in step 1016 that the claimed insurance premium has been deducted, the flow ends.

If it is determined in step 1016 that the insurance premium paid to the insurance member 30 cannot be deducted from the bank account designated by the insurance member 30, the insurance service provider 20 proceeds to step 1018. Warn the insurance user 30 of the end of the subscribed car insurance. Then, after giving a warning to the insurance user 30 of the end of the subscribing car insurance in step 1018, step 102
At 0, it is determined whether or not the insurance premium paid by the insurance user 30 has been paid. If the insurance premium paid in step 1020 has been paid, this flow is terminated.

If the insurance premium paid in step 1020 is not paid, step 1022
, The termination processing of the car insurance concluded with the insurance user 30 is performed. When the car insurance termination processing is performed in step 1022, the termination of the car insurance is registered in the member registration card 60 in step 1024. When the termination of the car insurance is registered in the member registration card 60 in step 1024, in step 1026, the insurance service providing company 20 informs the insurance user 30 that the concluded car insurance has been terminated halfway before the expiration of the contract period. Notify that

After the car insurance concluded in step 1026 is terminated halfway, it is determined in step 1028 whether or not a request for recovery of the car insurance has been made within a certain period. If there is no claim for the recovery of the automobile insurance within a certain period in this step 1028, this flow is ended. If it is determined in step 1028 that a request for recovery of the automobile insurance has been made within a predetermined period, the insurance service provider 20
In response to 0, as shown in FIG. 58, a message screen indicating whether or not the automobile insurance is requested to be restored, such as "Would you like to recover an incompletely completed automobile insurance contract?"

In response to the confirmation transmitted in response to the access from the insurance member 30 in step 1028, a reply that the request is for recovery of automobile insurance, that is, FIG. 58
When the user selects (clicks) "YES" on the message screen shown in FIG.
As shown in the above, "We will examine whether or not to allow the recovery of the automobile insurance contract, so we reclaimed the insurance premium paid, but please enter the reason why it was not paid." Send a message screen asking about the reason for requesting recovery.

If there is an input on the message screen shown in FIG. 59, in step 1030, the reason for the automobile insurance recovery claim input on the message screen shown in FIG. 59, that is, the paid insurance premium has not been paid. Examine the reason.

When the reason for the non-payment of the paid insurance premium is examined in step 1030, it is determined in step 1032 whether the reason for the non-payment is legitimate. Here, the reason for the non-payment is justifiable because a long-term (for example, three months) absence on a business trip abroad resulted in the failure to receive a notice of non-payment. Also, the terminal device was abnormal and could not receive a notice of non-payment. If it is determined in step 1032 that the reason for non-payment is not valid, this flow is terminated. Further, if it is determined in step 1032 that the reason for the non-payment is valid, the insurance service providing company 20 instructs the insurance member 30 as shown in FIG. You have reinstated your auto insurance contract and will need to pay our unpaid insurance premium in addition to the unpaid insurance premium. .
Your recovery insurance fee will be ¥ ○○○○. Would you like to recover your car insurance contract?
, "A notice to conclude that automobile insurance is recovering,
Send a message screen showing the recovery premium.

When the insurance member 30 selects (clicks) "YES" on the message screen shown in FIG. 60, in step 1034, the insurance service providing company 20 sends the insurance member 30 to the insurance member 30 as shown in FIG. As in the above, the payment of the automobile insurance premium and the recovery insurance premium of "Please pay the unpaid insurance premium and the recovery insurance premium."
When the insurance user 30 pays the insurance premium by requesting the payment of the automobile insurance premium and the recovery insurance premium in step 1034, the payment of the paid insurance premium and the recovery insurance premium is received in step 1036. 103
At step 8, the car insurance is restored. Then, as shown in FIG. 62, the insurance service provider 20 provides the insurance member 30 with the message "The unpaid insurance premium and recovery insurance premium have been received. The automobile insurance contract has been recovered. You can use your car insurance right now. "And a message screen indicating that you have received your car insurance premiums and recovery premiums and that your car insurance has been restored. And step 104
At 0, the fact that the car insurance has been recovered is registered in the member registration card 60, and this flow ends.

Although the present embodiment has been described by taking car insurance as an example, it goes without saying that the present invention can be applied to general non-life insurance such as fire insurance, household goods insurance, earthquake insurance, and personal property insurance. Also in the case of this general nonlife insurance, the insurance form described in the present embodiment works well.

[0167]

As described above, according to the insurance premium payment system according to the present invention, the insurance is made to function by paying the usage fee for using the insurance only when it is desired to apply the insurance. No need to pay a low base premium and maintain an insurance contract and provide a reasonable insurance premium payment system.

In addition, according to the insurance premium payment system of the present invention, car insurance functions only when a car is actually used, and is used by those who frequently use the car and those who hardly use the car. There is no inequity in between.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration for implementing a system for paying insurance premiums and a relationship of information transmission / reception.

FIG. 2 is a diagram showing a system for paying insurance premiums according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a system for paying insurance premiums according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating a system for paying insurance premiums according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a system for paying insurance premiums according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a system for paying insurance premiums according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a system for paying insurance premiums according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a system for paying insurance premiums according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a system for paying insurance premiums using an in-vehicle device according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a system for paying insurance premiums using an in-vehicle device according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a system for paying insurance premiums using an in-vehicle device according to an embodiment of the present invention.

FIG. 12 is a diagram illustrating a system for paying insurance premiums using an in-vehicle device according to an embodiment of the present invention.

FIG. 13 is a configuration diagram of an in-vehicle device of a car owned by an insurance member.

FIG. 14 is a processing flowchart showing a communication state between the insurance use member side and the insurance service providing company side of the automobile insurance premium payment system.

FIG. 15 is a flowchart of a process performed by an insurance-using member to join insurance in the system for paying insurance premiums for automobile insurance.

FIG. 16 is a flowchart of a process performed by an insurance-using member to join insurance in the system for paying insurance premiums for automobile insurance.

FIG. 17 is a processing flowchart on the side of an insurance-using member who joins insurance in the system for paying insurance premiums for car insurance.

FIG. 18 is a processing flowchart on the insurance service providing company side of the insurance subscription in the automobile insurance premium payment system.

FIG. 19 is a processing flowchart on the insurance service providing company side of the insurance subscription in the automobile insurance premium payment system.

FIG. 20 is a processing flowchart on the insurance service provider side of the insurance subscription in the automobile insurance premium payment system.

FIG. 21 is a processing flowchart on the insurance service providing company side of the insurance subscription in the insurance payment system for automobile insurance.

FIG. 22 is a flowchart of a process performed by the insurance service providing company for executing insurance in the system for paying insurance premiums for automobile insurance.

FIG. 23 is a flowchart of a process performed by the insurance service providing company for executing insurance in the system for paying insurance premiums for automobile insurance.

FIG. 24 is a processing flowchart of the insurance service providing company side of the insurance execution in the system for paying insurance premiums for automobile insurance.

FIG. 25 is a processing flowchart of the insurance service providing company for executing the insurance in the system for paying the insurance premium for car insurance.

FIG. 26 is a processing flowchart of the insurance service providing company for executing insurance in the system for paying insurance premiums for automobile insurance.

FIG. 27 is a processing flowchart of the insurance service provider company for executing insurance in the system for paying insurance premiums for car insurance.

FIG. 28 is a processing flowchart of non-payment of insurance premium and recovery of half-finished insurance in the system for paying insurance premium for car insurance.

FIG. 29 is a processing flowchart of nonpayment of the insurance premium and recovery of the half-finished insurance in the automobile insurance premium payment system.

FIG. 30 is a graph showing the relationship between basic insurance premiums for automobile insurance and premiums for use.

FIG. 31 is a graph showing a relationship when the basic premium and the used premium are reduced from the prepaid premium of the automobile insurance premium.

FIG. 32 is a diagram showing a processing screen of a member application.

FIG. 33 is a diagram showing a member personal information input processing screen.

FIG. 34 is a diagram showing a member registration notification processing screen.

FIG. 35 is a diagram showing a processing screen of an automobile insurance application.

FIG. 36 is a diagram showing a car information input processing screen.

FIG. 37 is a diagram showing a processing screen of a usage status of an automobile to be insured.

FIG. 38 is a diagram showing a processing screen of the contents of car insurance.

FIG. 39 is a diagram showing a processing screen of a one-year sum of basic insurance premiums paid for automobile insurance.

FIG. 40 is a diagram showing a processing screen of a method of calculating a used insurance premium paid for an automobile insurance.

FIG. 41 is a processing screen for presenting usage premiums according to the riding time of paid insurance premiums for automobile insurance.

FIG. 42 is a processing screen for presenting usage insurance premiums according to the mileage of insurance premiums paid for automobile insurance.

FIG. 43 is a diagram showing a screen for inputting a method of paying a premium paid for automobile insurance.

FIG. 44 is a diagram showing a processing screen for presenting an inquiry about a specific method of paying a premium paid for automobile insurance.

FIG. 45 is a diagram showing a specific payment method input processing screen of the insurance premium paid for automobile insurance.

FIG. 46 is a diagram showing a processing screen for presenting a prepaid amount (predicted paid insurance premium) of a paid insurance premium for car insurance.

FIG. 47 is a diagram showing a processing screen for notification of insurance premiums paid.

FIG. 48 is a diagram showing a process screen for receiving the advance payment (predicted insurance premium) of the insurance premium paid for the automobile insurance and presenting the establishment of the automobile insurance contract.

FIG. 49 is a diagram showing a processing screen for presenting an inquiry as to whether or not to pay the basic premium of automobile insurance premiums in a lump;

FIG. 50 is a diagram showing a processing screen for presenting the total amount of basic insurance premiums paid for automobile insurance for one year.

FIG. 51 is a diagram showing a processing screen for presenting a one-time total payment request for basic insurance premiums paid for automobile insurance.

FIG. 52 is a diagram showing a processing screen for presenting a notification that basic insurance premiums paid for automobile insurance have been collectively received.

FIG. 53 is a diagram showing a processing screen for presenting a method of paying a used insurance premium paid for an automobile insurance.

FIG. 54 is a diagram showing a processing screen for presenting that an automobile insurance contract has been established.

FIG. 55 is a diagram showing a processing screen for presenting a basic insurance premium paid for automobile insurance and a method for paying used insurance premiums.

FIG. 56 is a diagram showing a processing screen for presenting a reminder to pay the premium paid for automobile insurance.

FIG. 57 is a diagram showing a processing screen for presenting a reminder for additional payment of an insufficient prepaid insurance premium.

FIG. 58 is a diagram showing a processing screen for presenting an inquiry as to whether or not a request for recovery of automobile insurance is made.

FIG. 59 is a diagram showing a processing screen for presenting an inquiry about the reason for requesting recovery of automobile insurance.

FIG. 60 is a diagram showing a processing screen for presenting a notice for recognizing the recovery of the automobile insurance and presenting a recovery insurance premium.

FIG. 61 is a diagram showing a processing screen for presenting a request for payment of automobile insurance premium and recovery insurance premium.

FIG. 62 is a diagram showing a processing screen for presenting receipt of payment of automobile insurance premium and recovery insurance premium, and presentation of recovery of automobile insurance.

FIG. 63 is a configuration diagram of a processing device of an insurance service providing company.

FIG. 64 is a diagram showing a membership registration card for an insurance member.

[Explanation of symbols]

 10 Insurance company 20 Insurance service provider 30 Insurance member 40 In-vehicle Equipment 50 Telecommunications carrier

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Tomohiro Umezawa 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Stock Company, Ltd.Business Solution Development Headquarters, Hitachi, Ltd. 3E038 AA07 BA01 BA09 BB04 CA03 CA05 CA07 CB02 CB05 CB07 CB08 CB10 CC03 DA07 DB06 FA03 GA02

Claims (34)

[Claims] Claims: 1. An insurance contract between an insurance company and an insurance member is calculated for each insurance member for a basic insurance fee required for the insurance company to effectively survive the insurance during the period set in advance by the insurance company. Then, a lump sum claim process is performed, and a calculation process is performed for the insurance premiums necessary for receiving the application of the concluded insurance every predetermined period, for the use of the concluded insurance. A premium payment system for insurance, wherein a claim is made. 2. In the case where no payment is made with respect to the use premium of the insurance paid by the insurance company and the insurance subscriber, a dunning process is performed on the insurance subscriber and no further payment is made. 2. The insurance premium payment system according to claim 1, wherein, in the case, the termination processing of the concluded insurance is performed after a certain grace period. 3. An insurance contract between the insurer and the insurance subscriber is covered by a basic premium over the entire period necessary for the insurance company to effectively survive the insured insurance during a period preset by the insurer. The basic insurance premium corresponding to the predetermined period is calculated for the insurance subscriber for each predetermined period, and the insurance premium required to receive the insurance concluded during the predetermined period is calculated. The calculation processing for the use of the concluded insurance is performed, and the sum calculated by adding the calculated premium used to the calculated basic premium is charged as the premium paid for the predetermined period. A premium payment system for insurance. 4. When the insurance premium concluded between the insurance company and the insurance subscriber is not paid, a dunning process is performed on the insurance member, and when no payment is made, a certain amount is paid. 4. The termination process of the concluded insurance is performed after a grace period.
Insurance premium payment system as described in. 5. An insurance contract between an insurer and an insurance subscriber, for each insurance member, a basic premium required for the insurance company to effectively survive the insured insurance during a preset period. Then, the insurance subscriber predicts and calculates the usage premium to be used during the validity period of the concluded insurance, and invoices the sum of the calculated basic insurance premium and the calculated usage premium as the prepaid premium. Process, collectively reduce the calculated basic premium from the prepaid premium, and receive the applied insurance for the required use premium for receiving the applied insurance every predetermined period. The required insurance premium is calculated for the use of the concluded insurance, and the insurance subscriber is billed every predetermined period, and the premium is reduced from the prepaid insurance premium. Toss Insurance premium payment system. 6. When the insurance premium concluded by the insurance company and the insurance subscriber expires and the remaining amount of the prepaid insurance premium is generated, a portion of the prepaid insurance premium of the new insurance is transferred to the next insurance contract. 6. The insurance premium payment system according to claim 5, wherein arithmetic processing is performed. 7. If the insurance premium paid by the insurer and the insurance subscriber concludes cannot be reduced from the prepaid insurance premium, the premium paid to the insurance subscriber is reduced. When a reminder process for additional payment is performed, and when the process of reducing the used premium cannot be performed from the prepaid premium, a process of ending the insurance concluded is performed after a certain grace period. 6. The insurance premium payment system according to claim 5, wherein: 8. For an insurance contract concluded between an insurer and an insurance subscriber, a basic premium required for the insurance company to effectively survive the insurance for a preset period is calculated for each insurance subscriber. The insurance subscriber predicts and calculates the use premium used during the validity period of the concluded insurance, and claims the calculated basic insurance premium plus the predicted calculation use premium as a prepaid premium, A basic premium corresponding to the predetermined period is calculated for the insurance subscriber for each predetermined period, and the concluded insurance is used for the use premium required to receive the insurance concluded during the predetermined period. The calculated premium is added to the calculated basic premium, and the calculated premium is charged as the premium paid for the predetermined period. I will reduce the amount from An insurance premium payment system characterized by the following. 9. When the insurance premium concluded between the insurer and the insurance subscriber expires, the remaining amount of the prepaid premium will be transferred to a part of the prepaid premium of a new insurance at the time of the next insurance contract. 9. The insurance premium payment system according to claim 8, wherein arithmetic processing is performed. 10. When the premium paid for the insurance concluded by the insurer and the insurance subscriber cannot be reduced from the prepaid insurance premium, a reminder to the insurance subscriber for additional payment of the prepaid insurance premium. Processing, and if the processing of reducing the paid insurance premium cannot be performed from the prepaid insurance premium, a termination processing of the concluded insurance is performed after a certain grace period. The insurance premium payment system according to claim 8, wherein the insurance premium is paid. 11. The insurance executed by the insurance company and the insurance subscriber is non-life insurance.
The insurance premium payment system according to 6, 7, 8, 9 or 10. 12. The insurance premium payment system according to claim 11, wherein the nonlife insurance concluded by the insurance company and the insurance subscriber is a one-year non-stop insurance. 13. An automobile insurance contract between an insurer and an insurance member calculates a basic premium required for the insurance company to effectively survive the automobile insurance for a preset period for each insurance member, A lump sum claim process is carried out, and a calculation process is performed for the insurance premium required for receiving the insurance concluded every predetermined period by using the car insurance, and the insurance subscriber is billed every predetermined period. A premium payment system for insurance. 14. If no payment is made for the usage premium of the automobile insurance premium concluded by the insurance company and the insurance subscriber, a dunning process is performed on the insurance subscriber,
14. The insurance premium payment system according to claim 13, wherein if no further payment is made, the auto insurance that has been concluded is terminated after a certain grace period. 15. An auto insurance contract between an insurer and an insurance subscriber is enrolled in a basic insurance premium over the entire period necessary for the auto insurance to survive effectively during a period set in advance by the insurer. Calculates the basic insurance premium corresponding to the predetermined period for the insurance subscriber for each predetermined period, and calculates the usage premium required to receive the automobile insurance during the predetermined period. It is characterized in that the calculation processing for the use of the car insurance is performed, and the sum calculated by adding the calculated usage premium to the calculated basic premium is charged as the premium paid for the predetermined period. Insurance premium payment system. 16. In the case where the insurance premium paid for the automobile insurance concluded by the insurer and the insurance member is not paid, a dunning process is performed on the insurance member. 16. The insurance premium payment system according to claim 15, wherein a termination process of the concluded automobile insurance is performed after a certain grace period. 17. For a car insurance contract between an insurer and an insurance member, a basic premium required for the auto insurance to survive effectively for a predetermined period is calculated for each insurance member. And predicting and calculating the insurance premium used by the insurance member during the validity period of the car insurance,
Claiming the sum of the calculated basic insurance premium and the predicted calculated use premium as a prepaid premium, and performing a batch reduction process on the calculated basic premium from the prepaid premium, for each predetermined period For the use premium required to receive the application of the car insurance, the usage insurance required to receive the application of the car insurance is subjected to arithmetic processing for the use of the car insurance, and the insurance subscriber is provided with a predetermined period. A premium payment system for insurance, wherein the insurance premium payment system is billed each time, and the amount is reduced from the prepaid premium. 18. When the insurance premium concluded between the insurer and the insurance subscriber expires and the remaining premium is generated in the prepaid premium, a part of the prepaid premium of the new insurance is transferred to the next insurance contract. 18. The insurance premium payment system according to claim 17, wherein a calculation process is performed. 19. If the premiums paid for automobile insurance concluded by the insurance company and the insurance member cannot be reduced from the prepaid insurance premiums, the insurance premiums must be paid to the insurance subscribers. If the reimbursement process is not performed, and if the reduction process of the used insurance premium cannot be performed from the prepaid premium, the termination process of the concluded automobile insurance should be performed after a certain grace period. 18. The insurance premium payment system according to claim 17, wherein the insurance premium is paid. 20. With respect to a car insurance concluded by an insurance company and an insurance member, a basic insurance premium required for the insurance company to survive the vehicle insurance effectively for a predetermined period is calculated for each insurance member. The insurance subscriber predicts and calculates the usage premium to be used during the validity period of the car insurance, and claims the calculated basic insurance premium plus the calculated usage premium as a prepaid premium. Calculating the basic insurance premium corresponding to the predetermined period for the insurance subscriber for each predetermined period, and using the automobile insurance for the usage premium required to receive the application of the automobile insurance during the predetermined period. The calculated premium is added to the calculated basic premium and the calculated premium is charged as the premium paid for the predetermined period, and the paid premium is selected from the prepaid premium. Reduction A premium payment system for insurance. 21. If the insurance premium concluded by the insurance company and the insurance subscriber expires and the remaining amount of the prepaid insurance premium is generated, a part of the prepaid premium of the new insurance is transferred to the next insurance contract. 21. The insurance premium payment system according to claim 20, wherein arithmetic processing is performed. 22. If the insurance premium paid by the insurance company and the insurance subscriber concludes cannot be reduced from the prepaid insurance premium, the additional payment of the prepaid insurance premium to the insurance subscriber is made. If a dunning process is performed and the reduction process of the paid premium cannot be performed from the prepaid premium,
21. The system according to claim 20, wherein the termination processing of the concluded automobile insurance is performed after a certain grace period.
Insurance premium payment system as described in. 23. The auto insurance concluded by the insurer and the insurance subscriber is a one-year non-stop insurance.
3, 14, 15, 16, 17, 18, 19, 20, 21
Or the insurance premium payment system described in 22. 24. The basic insurance premium for insurance concluded between the insurer and the insurance subscriber is increased or decreased within a certain range based on the operating status of the insurance subscriber in the previous year. 14, 15, 16, 17, 18, 19, 2,
23. The insurance premium payment system according to 0, 21 or 22. 25. The insurance premium payment system according to claim 24, wherein the driving state of the insurance subscriber is a safe driving degree, an accident rate, a main driving time zone, a driving time, and a driving mileage. 26. An insurance period of an automobile insurance is set using a predetermined period as one unit, and the insurance premium of the insurance period is calculated according to the contents of the insurance and the vehicle to be applied, and based on the calculation processing result. Present the premium to the insurance applicant,
The insurance premium paid by the insurance applicant at the time of enrollment is registered in the database as a prepaid amount, and each time an insurance subscriber uses a car, the insurance used from the prepaid premium registered in the database is An insurance premium payment system characterized by performing an operation process of adjusting an insurance premium according to use of a vehicle and performing an arithmetic process of adjusting an unpaid prepaid premium at the expiration of the insurance period. . 27. Use of an automobile for performing the arithmetic processing is as follows:
27. The insurance premium payment system according to claim 26, wherein the system is determined by the time of use. 28. The use of an automobile for performing the arithmetic processing is as follows:
2. The insurance premium payment system according to claim 1, wherein the system is determined by a mileage. 29. The settlement of the prepaid insurance premium is carried over to the prepaid amount of the continuing insurance premium at the time of insurance continuation.
The insurance premium payment system according to 6, 27 or 28. 30. The settlement of the prepaid insurance premium is a refund of an unused premium.
The insurance premium payment system described in. 31. An insurance period of an automobile insurance is set with a predetermined period as one unit, and the insurance premium of the insurance period is calculated according to the contents of the insurance and the vehicle to be applied, and based on the calculation processing result. Present the premium to the insurance applicant,
Registered in the database as an insurance subscriber based on the insurance applicant's insurance application, calculated as an insurance application each time the vehicle was used, performed arithmetic processing based on the usage of the vehicle, and used the vehicle. A system for paying insurance premiums for an automobile insurance, wherein the insurance premiums according to the use of the automobile are calculated at the time of termination. 32. The automobile insurance premium payment system according to claim 31, wherein the use mode of the vehicle performing the arithmetic processing is a time during which the vehicle is used. 33. The automobile insurance premium payment system according to claim 31, wherein the use mode of the vehicle performing the arithmetic processing is a mileage of the vehicle. 34. An insurance period of an automobile insurance is set with a predetermined period as one unit, and the insurance premium for the insurance period is calculated according to the contents of the insurance and the vehicle to be applied, and based on the calculation processing result. Present the premium to the insurance applicant,
The insurance premium paid by the insurance applicant at the time of enrollment is registered in the database as a deposit, and when the insurance subscriber starts the car engine, insurance is applied based on the insurance application start signal transmitted from the on-board equipment. When the insurance subscriber stops the engine of the vehicle, the insurance member stops the application of the insurance based on the insurance application stop signal transmitted from the vehicle-mounted device. In the time up to, the insurance premium applied to the vehicle is calculated from the prepaid premium registered in the database to calculate the insurance premium used, and at the end of the insurance period the prepaid premium A car insurance premium payment system, characterized in that it performs a calculation operation of a settlement.