JP2002366749A - Information processing method and computer system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To surely grasp the date of confirming a contract intention by a customer. SOLUTION: An insurance company system 9 receives information on a changeable item concerning the applied contents of an insurance contract to a specific customer and a changeable content range concerning the changeable item from the terminal 5a of an agent and stores it in an application information DB 99. Then, the system 9 transmits information on the applying contents of the insurance contract with respect to the specific customer including information the changeable item stored in the DB 99 and the changeable content range concerning the changeable item to the terminal 3b of the specific customer. In response to the above, information on the defined application contents of the insurance contract is received from the terminal 3b of the specific customer and stored in an adding information DB 97 with information on a receiving day or a receiving date. After the changeable content range concerning the changeable item is set in a range corresponding to the desire and condition of the specific customer by the agent as shown above, the receiving date, etc., is registered to the system 9 directly.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an information processing technique for concluding an insurance contract using an information processing system.

[0002]

2. Description of the Related Art Conventionally, for example, when applying for automobile insurance, an agency operates a terminal of the agency to create an application form and passes the printed application form to a customer. The customer checks and seals the contents of the application form, hands the application form to the agency, and pays the insurance premium to the agency. The agent operates the terminal of the agent to record the insurance contract for the application form and pays the insurance premium received from the customer to the insurance company. Alternatively, the agency sends a signed application form from the customer to the insurance company, and the insurance company performs data entry, thereby performing the accounting processing of the insurance contract.

[0003]

When such accounting processing is performed, the exact date and time when the customer finally stamped is unknown from the insurance company, and if an accident occurs immediately after the start of the contract period, May not have completed the accounting process,
It was impossible to respond quickly to accidents. In some cases, a contract may have been made after the accident occurred,
It was impossible to confirm it. As for the date and time of receipt of the insurance premium, the same date and time could not be obtained if the agency received the premium. In general, the date and time of receipt of the premium is very important because the insurance contract does not take effect unless the premium is received. In addition, the agency had to carry out paperwork such as preparation of an application form, receipt and accounting of insurance premiums, and could not spend much time consulting with customers on the contents of insurance contracts that should be performed.

[0004] Accordingly, an object of the present invention is to provide an information processing technique for surely grasping the confirmation date and time of a contract intention by a customer.

It is another object of the present invention to provide an information processing technique for specifying the date and time of payment of an insurance premium by a customer.

Another object of the present invention is to provide an information processing technique for improving the efficiency of the business of the agency.

[0007]

According to a first aspect of the present invention, there is provided an information processing method executed in a system of an insurance company, wherein information on an application for an insurance contract to a specific customer is received from a terminal of an agency. Storing the application information in the application information storage device, transmitting the insurance contract application request to a specific customer, and, for example, in response to a request from the specific customer terminal, Transmitting information about the insurance policy application content for the specific customer stored in the storage device, and receiving information about the insurance policy final application content from the specific customer terminal;
Storing the information in the accounting-related information storage device together with the information on the reception date or the reception date and time.

[0008] The data of the application form created by the agency is temporarily stored in the application information storage device of the insurance company system, and the insurance company system insures the customer by e-mail or the like to the customer's mobile phone or the like. Send a contract application request. As a result, the customer can check the contents of the application form at his / her convenience. In addition, since the information on the finalized application content including the change in the content of the insurance contract received from the terminal of the specific customer is stored in the accounting-related information storage device together with the date or date and time, the date and time of confirmation of the customer's intention to contract or The date can be accurately grasped by the insurance company. Except for the receipt of insurance premiums, the agency only has to create an insurance contract application as usual and does not have to perform the accounting process, thereby improving business efficiency.

According to a second aspect of the present invention, there is provided an information processing method executed in an insurance company system, wherein a changeable item of an insurance contract application to a specific customer and a changeable range of the changeable item or Receiving the information on the options from the terminal of the agency and storing the information in the application information storage device; and changing the changeable item stored in the application information storage device and the changeable range of the changeable item in the specific customer terminal. Or a transmission step of transmitting information on insurance policy application contents to the specific customer including at least a part of information on options, and receiving information on insurance policy final application contents from a specific customer terminal and receiving date Or an accounting-related processing step of storing the information in the accounting-related information storage device together with the reception date and time information.

As described above, as a result of the consultation with the customer, the agency determines the items whose values and contents should be fixed and the items that can be changed, and furthermore, whether the items that can be changed can be freely changed or a certain range. The information on the changeable range or options such as whether the change can be made within the group is determined and stored in the application information storage device in the insurance company system. The application content of the insurance contract including at least a part of the information on the changeable items and the changeable range or options of the changeable items is transmitted to the customer, for example, in response to the customer's request. The customer confirms the contents of the application and, if he wants to change the items that can be changed, makes changes within the possible range and sends the information to the insurance company system as information on the fixed application of the insurance contract. This allows customers to change the insurance content within the range that meets the customer's requirements and the insurance underwriting conditions of the insurance company, etc. Efficiency is achieved. In addition, upon receiving information on the details of the finalized application, including changes to the contents of the insurance contract, the information is stored in the accounting-related information storage device together with the information on the reception date or reception date and time. The company will be able to understand.

According to a third aspect of the present invention, there is provided an information processing method which is executed in an insurance company system, wherein a changeable item of an insurance contract application content to a specific customer and a changeable range of the changeable item or Receiving the information on the options from the agent terminal and storing the information in the storage device, and confirming whether or not the insurance contract application content received from the agent terminal satisfies predetermined conditions, and satisfies the predetermined conditions. If it is determined that there is a changeable item, information on the contents of the insurance contract application to the specific customer including information on the changeable items and the changeable range or options for the changeable items is stored in the application information storage device. In the terminal of a specific customer, the changeable items stored in the application information storage device and the changeable range or A transmitting step of transmitting information on the application details of the insurance contract to the specific customer including at least a part of the information on the options; receiving information on the final application contents of the insurance contract from the terminal of the specific customer; And an accounting-related processing step of storing the information in the accounting-related information storage device together with the reception date and time information.

The contents of the insurance contract set by the agent may not satisfy the predetermined conditions of the insurance company or the system, and it may be necessary to confirm in this way.

According to a fourth aspect of the present invention, there is provided an information processing method in an insurance company system, wherein a changeable item for an insurance contract application to a specific customer and information on a changeable range or option of the changeable item are provided. Receiving from a terminal of the agency and storing the information in an application information storage device, transmitting to a terminal of the specific customer information on insurance policy application contents for the specific customer, and a terminal of the specific customer. And confirms whether the conditions specified from the information on at least the changeable items stored in the application information storage device and the changeable range or options of the changeable items are satisfied. Steps and, if it is determined that the conditions are satisfied, information on the application contents of the insurance contract The receive date or the reception date and time information and a record related process step of storing the recorded related information storage device.

[0014] The contents of the insurance application requested by the customer do not always satisfy the conditions specified by the agent or the conditions permitted by the system.
Check that the conditions are met. If the conditions are met, the insurance contract application desired contents are stored in the accounting-related information storage device together with the date and time of reception, and the date and time or date of confirmation of the policy intention of the policyholder are grasped from the insurance company side. I can do it.

If the receipt of the insurance premium is not finalized, the insurance contract often does not take effect. However, in the case of continuation of insurance, the intention to continue insurance is determined only once before the expiration of the previous insurance period. May continue. In such a case, it is very effective that the insurance company can accurately ascertain the confirmation date and time of the customer's intention to make a contract with only the processing in the first to fourth aspects of the present invention.

In the first to fourth aspects of the present invention, the completion of the procedure for paying the insurance premium of the insurance contract by a specific customer from, for example, a server of an online bank, a server of a communication carrier, a server of a credit card company, or the like. When receiving the information indicating the payment procedure, the information may further include a step of storing the information indicating the completion of the payment procedure together with the information on the reception date or the reception date and time in the accounting-related information storage device. As a result, it is possible to determine the time when the insurance contract is effective.

Further, in the first to fourth aspects of the present invention, when cash payment is specified as a method for paying insurance premiums of an insurance contract by a specific customer, an insurance contract or an application for the insurance contract is sent to an agent. May be further included a step of transmitting a notification including identification information and insurance fee amount information for. The customer may still wish to pay cash as before. In such a case, the agent is requested to collect insurance premiums.

[0018] The present invention may further comprise a step of receiving information on the date or date and time when the insurance premium was received from the specific customer who has designated cash payment from the terminal of the agency, and storing the information in the accounting-related information storage device. You may. For example, a link to a page for entering information on the date or date and time of receipt of the insurance premium may be embedded in the notification including the insurance policy or the identification information and the insurance premium amount information for the application for the insurance policy described above. For example, the date or date and time information can be immediately transmitted to the insurance company system according to the receipt of the insurance premium.

It is also possible to create a program for causing a computer to execute the information processing method according to the present invention, and the program includes, for example, a flexible disk, a CD-ROM, a magneto-optical disk, a semiconductor memory,
It is stored in a storage medium such as a hard disk or a storage device. Also, it may be distributed via a network. The data being processed is temporarily stored in the memory of the computer.

[0020]

FIG. 1 shows a schematic diagram of a system according to an embodiment of the present invention. The user can, for example, use the web (W
eb) Operate the user terminal 3a, which is a personal computer including a browser, and the user mobile phone 3b, including a Web browser. Although not shown in FIG. 1, the user may further operate, for example, a mobile terminal connected to the user mobile phone 3b and having a Web browser. The user terminal 3a connects to the Internet 1 via a public line network, for example. In addition, the user's mobile phone 3b
Connects to the carrier server 7 via the carrier's base station, and further connects to the Internet 1 and the insurance company system 9.
Connect to The agency operates the agency portable terminal 5a having a Web browser and the agency terminal 5b having, for example, a Web browser. Although not shown in FIG. 1, the agency may operate a mobile phone having a Web browser. The agency mobile terminal 5a is connected to, for example, a mobile phone of the agency, connects to the carrier server 7 via the base station of the carrier, and further connects to the Internet 1 and the insurance company system 9. The agent terminal 5b connects to the insurance company system 9 via the network 2 including, for example, a public line network or a LAN (Local Area Network).

The Internet 1 is connected to various Web servers such as a communication carrier server 7, a user terminal 3a, an online bank server 8 managed and operated by a bank, and an insurance company system 9. Insurance company system 9
Communicates with the user terminal 3a, the user mobile phone 3b, the agency portable terminal 5a, and the like via the Internet 1 and the carrier server 7, and communicates with the agency terminal 5b via the network 2. The insurance company system 9 includes an application reception processing unit 91, an application data generation unit 93, and a payment processing unit 9
5 is included. Further, it manages the accounting information DB 97 and the application information DB 99.

The processing flow of the system shown in FIG. 1 will be described with reference to FIGS. First, the agency operates the agency mobile terminal 5a, for example, to access the insurance company application data creation page (step S1). However, instead of the agency portable terminal 5a, the agency terminal 5b may be used. Hereinafter, the agency portable terminal 5a will be described as an example. Then, the application data generation unit 93 of the insurance company system 9
Is the information for the application data creation page (eg HT
An ML (Hyper Text Markup Language) file and an image file or the like when referred to are transmitted to the agency portable terminal 5a (step S3). The agency mobile terminal 5a receives the information for the application form data creation page and displays it on the display device (step S5).

In consideration of insurance customers' requests for insurance contents and insurance premiums, insurance underwriting conditions, and the like, the agency provides an application including designation of items that can be changed in an insurance contract and a range thereof. Of the insurance company system 9 to the agent mobile terminal 5a (step S
7). Application form data generator 93 of insurance company system 9
Receives the application form data input from the agency mobile terminal 5a (step S9) and performs an error check to confirm whether or not a predetermined condition such as an inconsistent setting or an unacceptable setting is satisfied. If not, the fee is calculated under the conditions (initial conditions) of the insurance contract specified by the agency (step S11). If there is an error, an error notification is transmitted to the agency portable terminal 5a. In some cases, the insurance company system 9 performs processing to confirm whether or not the insurance underwriting condition is satisfied.

When the charge is calculated without any error, the application data generation unit 93 of the insurance company system 9
Generates information for a confirmation page of the input contents and transmits the information to the agency portable terminal 5a (step S13). The agency mobile terminal 5a receives the information for the confirmation page from the insurance company system 9 and displays it on the display device (step S).
15).

The agency checks the input contents, and if there is no problem, for example, clicks an OK button, and if there is a problem, clicks a cancel button. Agency mobile terminal 5a
Accepts the confirmation input (click of the OK button or the cancel button) by the agency and transmits it to the insurance company system 9 (step S17). Insurance company system 9
Receives the confirmation input received from the agency portable terminal 5a and confirms the contents of the confirmation input (step S19). If the input is a confirmation input indicating that the cancel button has been clicked, the process returns to, for example, step S3 (in the case of NG). On the other hand, in the case of a confirmation input indicating that the OK button has been clicked, a print serial number or a security number is generated and stored in the application information DB 99 together with the application form data (step S21).

An example of data stored in the application information DB 99 will be described with reference to FIGS. Here, the insurance is an example of car insurance. In this example, as shown in FIG. 3 (a), a common security number, a car insurance plan or number, a printing serial number, and a sales representative code, which is a code of a branch / agent, are provided for one application form. And the contractor's mobile phone number (and / or email address). The following is
Information on each item of insurance content. For each item of insurance content, whether it can be changed or not, the initial value set by the agency (trial calculation condition), and if it can be changed, information on the range or option is set. You. However, if the value can be changed, the initial value and the range or the option may not be set. Also, the information about all the items is not set by the agency, but is set to some extent by default, and the agency may use the default setting as it is.

In the portion of FIG. 3A, the item of insurance type is set to be unchangeable, and home automobile insurance is set as an initial value. In the item of the insurance payment method, change is possible, and collective payment is set as an initial value, and collective payment and installment payment are set as changeable ranges or options. In the part of FIG.
In the item of “Corporation”, “Individual” is set as an initial value, which cannot be changed. Also, in the item of age condition,
Changeable, 30 is set as an initial value, and none, 20, 26, and 30 are set as changeable ranges or options. In the item of grade, it cannot be changed and defaults to 9
Is set. In the part of FIG. 3C, the item of long-term excellent discount is not changeable, and “none” is set as an initial value. In the item of the grade of the previous year, 8 cannot be changed, and 8 is set as an initial value. The item “Family Only” is changeable, the initial value is “Yes”, and “Yes” and “None” are set as changeable ranges or options.

In the part of FIG. 3D, the item “start” cannot be changed, and the initial value is “2000/12 /
01 "is set. Also, in the item of maturity,
It cannot be changed, and "2001/12/01" is set as an initial value. In the item of “group discount”, “10” is set as an initial value which cannot be changed. In the part of FIG. 3 (e), the item “additional child contract” is changeable, the initial value is “Yes”, and “Yes” and “None” are set as changeable ranges or options.

In the part of FIG. 4A, the item "vehicle type" is unchangeable, and a small private car for private use is set as an initial value. The item “airbag (driver's seat)” is changeable, the initial value is “present”, and “changeable” or “changeable” and “none” are set as changeable ranges or options. The item “airbag (other seat)” is changeable, the initial value is “present”, and “changeable” or “changeable” and “none” are set as changeable ranges or options. In the part of FIG. 4B, the item ABS is changeable, the initial value is “Yes”, and “Yes” and “None” are set as changeable ranges or options. The item “safety body” is changeable, the initial value is “present”, and “changeable” or “not available” is set as a changeable range or options. The item “environmental vehicle” is changeable, the initial value is “none”, and “changeable” or “none” is set as a changeable range or options. In the part of FIG. 4C, the item “model” is changeable, and AE111N is set as an initial value. There is no changeable range or option, and the customer can input freely.
The item “car name” is changeable, and “Acacio” is set as an initial value. Similarly, the customer is free to change. The item of initial registration is changeable, and 1998 is set as an initial value. Similarly, the customer is free to change.

In the part of FIG. 5A, the item of security range special contract for the vehicle is changeable, the initial value is set to "none", and the changeable range or options are "none", "car". Only security against car collisions ”and“ Limited security agreement A ”
"Same B" is set. In the item of disclaimer,
It can be changed, and the initial value setting is "0-100,000 yen", and the changeable range or options are "50,000 yen", "100,000 yen",
For example, “0-100,000 yen (0,100 yen for the first time, 100,000 yen after the second time)” and the like are set. The item of exemption 0 special agreement (vehicle-to-vehicle only) (vehicle-to-vehicle collision exemption 0 special agreement) is changeable, the initial value is “none”, and “changeable” or “changeable” or “none” is set as a changeable range or option. Is set. In the part of FIG. 5B, the item “vehicle price range” is set in a range of “xxxx−xxxx” as an initial value, which cannot be changed. The item “vehicle (insurance amount)” is changeable, and is set to OOOO, 000 yen as an initial value. In addition, this ○○○○ million yen is xx which is the initial value of the vehicle price range.
An amount within the range of xx-xxxx may be set. That is, the changeable range may be xxxx-xxxx. There are no settings here. In the item of new price (special contract), changeable is set, and the default value is "Yes"
However, the changeable range or options are "Yes" and "No"
Is set. In the part of FIG. 5C, the item “repair (special contract)” is set to “changeable”, “initial” is set to the initial value, and “existent” and “none” are set to the changeable range or option. ing. In the item "Replacement vehicle (special contract)", "changeable" is set, "Yes" is set as the initial value, and "Yes" and "No" are set in the changeable range or options. In the item of exemption for the substitute vehicle (special contract), changeable is set, “none” is set as the initial value, and “yes” and “none” are set in the changeable range or options.

In the part of FIG. 5D, a substitute vehicle (special contract)
In the item “fixed amount”, “changeable” is set, the initial value is “none”, and “changeable range” or “changeable” and “none” are set as changeable ranges or options. In other words, instead of the fixed price, the actual payment is selected initially. The changeable item is set for the daily-limited item for the substitute car (special contract), and the default value is "3000 yen".
However, the changeable range or options are "3000 yen""50
For example, "00 yen" is set. In the item of “remote accident costs (special contract)”, “changeable” is set, “presence” is set as the initial value, and “presence” and “none” are set in the changeable range or options. In the part of FIG. 5 (e), changeable is set in the item of movable property (special contract), “none” is set as the initial value, and “yes” and “none” are set in the changeable range or options. Is set. The item of the cancellation fee (special contract) is changeable, the initial value is “none”, and “changeable” or “changeable” or “none” is set as a changeable range or options.

In the part of FIG. 6A, the item of personal injury is changeable, the initial value is 10 million yen, and the changeable range or option is "0-50 million".
Is set. The item “second discount” cannot be changed, and “none” is set as an initial value.
The passenger injury item can be changed, and the default value is 1.
100 million, and "0-
50 million "is set. In the part of FIG. 6B, the item “personal compensation” is changeable, “unlimited” is set as an initial value, and “50 million-unlimited” is set in the changeable range or option. I have.
The item “Objective compensation” can be changed, and the initial value is 10
Million, and “0-5” as a changeable range or option.
10 million "is set. In the part of FIG. 6C, the item of exemption from objective compensation is changeable, the initial value is 0, and “0−
1 million "is set.

In the part of FIG. 7 (a), the item "grade protection special" is changeable, the initial value is "none", and "changeable" or "changeable" is set as "changeable" or "none". ing. The item of family support special contract is changeable, has an initial value of “none”, and has “changeable” or “changeable” options. The item “temporary driver special agreement” is changeable, the initial value is “none”, and “changeable” or “changeable” is set as a changeable range or options. In the part of FIG. 7B, the item of attorney's expense special contract is changeable, the initial value is “none”, and “changeable” or “changeable” or “none” is set as a changeable range or options. In the item “Special Family Bike”, the item is changeable, the initial value is “None”, and “Yes” and “None” are set as changeable ranges or options.

In the part of FIG. 8A, the item of self-injury accident in the item of unsecured special contract is changeable, the initial value is “none”, and the changeable range or options are “yes” and “yes”. "None" is set. Under the unsecured special agreement item, uninsured car injury,
It can be changed, the initial value is “none”, and “yes” and “none” are set as changeable ranges or options. The interpersonal extraordinary cost item in the unsecured special agreement item is changeable, has an initial value of “Yes”, and “Yes” and “None” are set as changeable ranges or options. In the part of FIG. 8 (b), the item of self-injury accident in the item of unoccupied accident unsecured is changeable, the initial value is "none", and "yes" and "yes" as changeable ranges or options. None "is set. The item of uninsured vehicle injury in the item of the business accident unsecured special contract is changeable, the initial value is “none”, and “changeable” or “changeable” and “none” are set as changeable ranges or options. The personal injury item in the business accident unsecured special agreement is changeable, has an initial value of "none", and has "changeable" or "changeable" as a changeable range or options. In FIG. 8 (c), the item of passenger injury in the item of unoccupied accident unsecured contract is changeable, the initial value is "none", and the changeable range or options are "yes" and "none". Is set. The item “special special agreement” can be changed, the initial value is “none”, and nothing is set in the changeable range or options.

In the part of FIG. 9A, information on the total insurance premium in the case where the initial value (trial calculation condition) set by the agent is not changed, the initial insurance premium in the case of installment payment, and the total insurance premium are stored. . In addition, the item of payment method can be changed, the initial value is online bank payment,
"Credit card payment", "online bank payment", and "agent cash payment" are set as changeable ranges or options. Further, the name, address and e-mail address of the contractor are stored.

As described above, the agency sets whether or not each item can be changed, sets initial values as trial calculation conditions,
If it can be changed, the changeable range or options are set. By performing such a setting, it is possible to generate easily changeable application form data that meets, for example, the budget of the customer and satisfies the demand. Also, the insurance company can generate changeable application form data in a form in which the range along the customer's request is determined based on the customer's past accident history and the like. Note that the agency does not set all items,
For example, in the error check of step S11 in FIG. 2 and the step of step S21, a configuration in which the changeable range or option is further changed in accordance with the request of the insurance company may be adopted.

Returning to the description of FIG.
When the application form data is stored in the application information DB 99, the application reception processing section 91 transmits an application request mail to the customer (user) specified by the application form data (step S2).
3). For example, the application request mail includes link information to the application confirmation page. The user receives the application request e-mail using, for example, the user mobile phone 3b and causes the display device to display the e-mail (step S25). User mobile phone 3
Instead of b, the user terminal 3a may be used, but here, it is assumed that the user mobile phone 3b is used. The user
When making an application, for example, click or select a link included in the application request email. Then, the user mobile phone 3b accesses the application confirmation page (step S27). In response to this access, the application reception processing unit 91 of the insurance company system 9 generates information for the application confirmation page and transmits it to the user mobile phone 3b (step S29). The user mobile phone 3b receives the information for the application confirmation page from the application reception processing unit 91 and displays the information on the display device (step S31).

FIGS. 10 and 11 show the user's mobile phone 3b.
1 shows an example of an application confirmation page displayed on the display device of FIG.
FIG. 10A shows the application form data shown in FIGS. 3A to 3E. That is, a securities number, a plan or number, a printing serial number, a sales code, and a contractor's mobile phone number are displayed. These cannot be changed.
Here, the mobile phone number is a contractor's mobile phone number, but may be a fixed phone number. An application button 130 and a cancel button 131 are provided below the contractor's mobile phone number.

As basic conditions, insurance type (preservation), payment method (payment), individual / corporate classification (individual corporation), age condition, grade, long-term preferential discount (long-term preferential discount), previous year grade, start date Items such as, expiration date, group discount (group discount), and additional child contract are displayed. Note that FIG. 3B and FIG.
As shown in FIG. 3 (c) and FIG. 3 (e), since the payment method (payment), age condition, family limitation, and additional child special contract can be changed, a combo box is provided to display a changeable range or options. I can do it.

In the part of FIG. 10B, items for the insured automobile and items for the vehicle insurance are displayed. The items for the insured vehicles include items such as vehicle type, airbag operation (driver seat), airbag and others (other seats), ABS, safety body, environmentally friendly vehicle, model, vehicle name, and first registration year. These are the data shown in FIGS. 4A to 4C, and items other than the vehicle type can be changed. And air bag luck, air bag etc., AB
S, safety body, and environmental vehicle are either selected or not selected, and the model, vehicle name, and year of first registration can be freely entered.

Items related to vehicle insurance include special coverage, exemption, exemption of 0, vehicle price range (vehicle price range), vehicle insurance amount (vehicle), new price, repair, substitute car, exemption for substitute car, Items such as fixed amount and daily amount, remote accident costs (remote location), loading and moving (loading), cancellation cost (cancellation), and total loss repair are included. These are the data shown in FIGS. 5A to 5E, and items other than the vehicle price range can be changed. Of these, exemption 0, new price, repair, substitute car, exemption for substitute car, fixed amount for substitute car,
Remote or loading / cancellation costs are either selected or non-selected.Vehicle insurance amounts are entered freely, and the remaining items are combo options. It is displayed by a box.

In the portion of FIG. 11A, items of compensation contents, additional compensation, and other special agreements are displayed. The items of compensation contents include the insurance amount of personal injury insurance (personal), whether or not there is a second car discount, the insurance amount of passenger accident insurance (injury), the insurance amount of personal liability insurance (personal), and insurance of objective liability insurance Items are provided for the amount (objective) and the exemption amount (exemption) for the liability insurance. These are the data shown in FIGS. 6A and 6B, and items other than the discount for the second unit can be changed. Human body,
For injuries and objectives, numbers can be entered freely, and a combo box can be provided for the amount of personal insurance and the exemption of objectives, and options can be displayed.

The items of additional compensation include a grade protection special contract (equal pro), a family support special contract (family support), a temporary driver special contract (temporary driver), a lawyer fee special contract (lawyer cost), and a family bike special contract (family motorcycle). ) Is included. These are shown in FIG.
The data shown in (a) and (b) are all changeable, and select or non-select.

The items of other special agreements include items of unsecured special agreement, disaster unsecured special agreement, and specific special agreement. In addition, unsecured special contracts include items such as self-injury, uninsured vehicles, extraordinary extra costs for persons (personal expenses), and disaster unsecured special contracts include items such as self-harm, uninsured vehicles, persons, and passenger injuries (injuries). included.
These are the data shown in FIGS. 8 (a) to 8 (c), and a column is provided for freely entering a specific special contract, and selection or non-selection is selected for other items. .

FIG. 11B includes items such as a trial calculation result and a payment method. These are the data shown in FIG. 9 and show the total insurance premium in the case where the initial value (trial calculation condition) set by the agent is not changed, the initial insurance premium in the case of installment payment, and the total insurance premium in the case of installment payment. It is.
In addition, as a method of paying insurance premiums, it is possible to select one of credit card payment, online bank transfer, agent cash payment, and in the case of credit card payment, input the credit card number. I have. In the case of an online bank transfer, a bank name and an account number are input. Then, a security number and a contractor name are displayed as additional information.

As described above, according to the information stored in the application information DB 99 shown in FIG. 3 to FIG. 9, the application reception processing unit 91 performs the Web processing as shown in FIG. 10 and FIG.
Generate information for a page. Selectable boxes when “Yes” and “No” are set in the changeable range or options, combo boxes when multiple options (including numerical values) are set, Regardless, when no changeable range or option is set, an input field is provided. When an initial value (trial calculation condition) is set for an item that can be changed, the initial value (trial calculation condition) is embedded in the input box or is set as an item that is first selected in the combo box. As described above, in some cases, the setting is made through the processing of the insurance company from the setting of the agent, and in that case, the setting is made in the application information D.
It is assumed that it is stored in B99. In addition, when there is a changeable range setting, a combo box may be shown as an option, or an input field may be shown to allow the customer to input an arbitrary numerical value or the like. In this case, if the customer enters a value other than the changeable range,
Treat as an error.

Returning to the description of FIG. 2, the user confirms the contents of the application form displayed on the display device of the user's mobile phone 3b, inputs a change if necessary, and further instructs an insurance payment method. input. Then, the user mobile phone 3b transmits the change input and the instruction information including the insurance payment method instruction to the application reception processing unit 91 of the insurance company system 9 (step S33). The application reception processing unit 91 receives the instruction information including the change input and the insurance premium payment method instruction from the user mobile phone 3b, and for example, data of the application form stored in the application information DB 99 and error check items set in the system. Refer to and perform an error check. If an error is detected, a display indicating the error part is inserted, and the application confirmation page is transmitted to the user mobile phone 3b again, and step S31 is performed.
Return to As described above, there may be a case where the user confirms whether the insurance underwriting condition set for the user is satisfied, or whether the user is included in the changeable range or option set by the agent. On the other hand, if no error is detected, the insurance premium is recalculated in a manner reflecting the change input (step S35). After performing this process, the information of the insurance content confirmation page is generated in a form reflecting the change input, and transmitted to the user mobile phone 3b (step S37).

The user mobile phone 3b receives the information for the confirmation page from the application reception processing section 91 of the insurance company system 9 and displays it on the display device (step S39). The user checks the insurance content displayed on the display device, and clicks or selects an OK button if there is no problem. On the other hand, if there is a problem, for example, the correction button is clicked or selected. In response to this, the user mobile phone 3b transmits the user's instruction as a confirmation input to the application reception processing unit 91 of the insurance company system 9 (step S41). The application reception processing section 91 of the insurance company system 9 receives the confirmation input from the user mobile phone 3b and confirms the content (step S43). If the input is a confirmation input indicating a correction, the process returns to step S29. On the other hand, if the confirmation input indicates that there is no problem, the application contents and the reception date and time are recorded in the accounting information DB 9.
7 (step S45). At this point, there are some insurances that will be effective, but it is assumed that the insurance premium has not been received yet, so the effect is not effective here. Therefore, the insurance premium receipt process described in detail later is performed (step S47). This is because insurance contracts often do not take effect until the receipt of premiums has been finalized, but in the case of continuation of insurance, the intention to continue insurance is made only before the expiration of the previous insurance period. The effect may come into effect.

For example, FIG. 12 shows an example of data stored in the accounting information DB 97. In this example, a security number, a printing serial number, contract contents (although omitted here, application contents are included in this column), reception date and time, receipt date and time, and reception number are included. Note that the reception number is not always necessary. For example, the reception number may be issued when cash payment by an agency is designated.

Next, the insurance premium receipt processing will be described with reference to FIG. If the payment processing unit 95 is,
The designation of the insurance premium payment method included in the information of the application form stored in the application form 97 is read, and it is determined whether the insurance premium payment method designated by the user indicates credit card payment (step S51). If the payment is by credit card, the designated credit card number is, for example, CAFIS (Cr) connected via a public line network.
edit and Finance Information switching System) for a credit inquiry (step S53). For example, when the expiration date is exceeded or the amount exceeds the limit, it is determined that the credit inquiry has failed, and the payment processing unit 95 transmits a credit card unusable notification to the user. On the other hand, if the credit inquiry is successful, insurance premium processing is performed on the credit card company (step S5).
7) Upon completion of the billing process (for example, upon receiving a reception notice), for example, a billing date or date and time is registered as a receipt date and time in the accounting information DB 97 (step S59). As a result, the insurance contract is fixed as booked.

On the other hand, if the insurance premium payment method specified by the user is not credit card payment, the payment processing section 95 determines whether online bank transfer is specified (step S61). If the online bank transfer is designated, the deposit processing unit 95 sends the transfer information such as the user's account number, the insurance company's account number and the amount to the online bank server 8 of the designated bank. This is transmitted together with the address of the mobile phone 3b (step S63). Then, the online bank server 8 and the user mobile phone 3b exchange data for authentication processing and final transfer confirmation (step S65).

Finally, when the transfer processing between the online bank server 8 and the user mobile phone 3b is completed, the online bank server 8 transmits the transfer result information to the insurance company system 9. On the other hand, the payment processing unit 95 of the insurance company system 9 receives the transfer result information,
It is registered in the accounting information DB 97 together with the transfer date and time (step S67). As a result, the insurance contract is fixed as booked.

On the other hand, in this example, if the payment is not a credit card payment or an online bank transfer, the payment is made by the agency cash. In this case, for example, a reception number is issued, and a notification of the reception number is sent to the user by e-mail, for example. Is transmitted (step S69). It is also possible to use not a reception number but a printing serial number or a security number as information for specifying an application for an insurance contract. The user receives the receipt number notification using the user mobile phone 3b and displays it on the display device (step S71). The user notifies the agency of the receipt number and passes the insurance premium to the agency.

Further, the deposit processing section 95 sends a receipt instruction including the receipt number and the amount to be received to the agency by e-mail, for example (step S73). For example, the email contains a link to a receipt date input page. On the other hand, the agency portable terminal 5a receives the receipt instruction and displays it on the display device (step S75). The agency receives the insurance premium from the user while looking at the reception number and the amount to be received displayed on the display device. Upon receipt, the link to the receipt date input page included in the email relating to the receipt instruction is clicked to cause agency portable terminal 5a to access the receipt date input page (step S77).

In response to the access by the agency portable terminal 5a, the deposit processing section 95 transmits information on the input page of the receipt date to the agency portable terminal 5a (step S79). The agency portable terminal 5a receives the information of the input page of the receipt date and time from the deposit processing unit 95 and displays the information on the display device (step S81). The agency inputs the receipt date and time on the receipt date input page, and causes the agency portable terminal 5a to transmit the receipt date and time information to the insurance company system 9 (step S83). In addition,
For example, a configuration may be employed in which the payment processing unit 95 embeds the access date and time in the receipt date and time input field of the receipt date and time input page and transmits the access date and time in a modifiable manner. The payment processing unit 95 of the insurance company system 9 receives the information of the receipt date and time from the agency portable terminal 5a and registers it in the accounting information DB 97 (step S85). This confirms the accounting for the insurance contract.

As described above, the receipt of the insurance premium is also registered in the accounting information DB 95 by the exchange between the user (insurance policyholder) and the insurance company or the bank, excluding the cash payment by the agency, and the date and time of receipt is also directly set. Be able to grasp. Even in the case of the agency cash payment, since it can be directly input from the agency mobile terminal 5a, the insurance premium can be received from the user and registered immediately. Therefore, if such a procedure is thoroughly performed by the agency, the date and time of receipt can be grasped more accurately than before.

Although the embodiment of the present invention has been described above, the present invention is not limited to this. That is, the terminal operated by the user is a mobile phone or a personal computer.
Instead of a computer or a mobile terminal, a television receiver that can access the Internet may be used. Also,
The terminal operated by the agency may be another type of terminal. Further, the insurance company system 9 may be implemented by a plurality of computers instead of one computer. The same applies to the carrier server 7 and the online bank system 8. The method of dividing the processing units in the insurance company system 9 is also an example, and the present invention is not limited to this. The type of DB provided in the storage device is also an example, and the present invention is not limited to this, and a storage area may be set.

It is to be noted that, in addition to the online bank transfer, it is also possible to adopt a configuration in which a method such as payment via a communication carrier or an ISP (Internet Service Provider) can be selected. The same processing as described above is performed.

[0059]

As described above, an information processing technique for surely grasping the confirmation date and time of the customer's intention to contract can be provided.

Further, an information processing technique for specifying the date and time of paying the insurance premium by the customer could be provided.

Further, it was possible to provide an information processing technique for improving the efficiency of the business of the agency.

[Brief description of the drawings]

FIG. 1 is a diagram showing an outline of a system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a first processing flow according to one embodiment of the present invention.

FIG. 3 is a diagram illustrating an example of data (part 1) stored in an application information DB.

FIG. 4 is a diagram showing an example of data (part 2) stored in an application information DB.

FIG. 5 is a diagram illustrating an example of data (part 3) stored in an application information DB.

FIG. 6 is a diagram illustrating an example of data (part 4) stored in an application information DB.

FIG. 7 is a diagram illustrating an example of data (part 5) stored in an application information DB;

FIG. 8 is a diagram showing an example of data (part 6) stored in an application information DB.

FIG. 9 is a diagram showing an example of data (part 7) stored in an application information DB.

FIG. 10 is a diagram showing an example of an insurance contract application screen displayed on a mobile phone.

FIG. 11 is a diagram showing an example of an insurance contract application screen displayed on the mobile phone.

FIG. 12 is a diagram showing an example of data stored in an accounting information DB.

FIG. 13 is a diagram showing a second processing flow according to the embodiment of the present invention.

[Explanation of symbols]

1 Internet 2 LAN 3a User terminal 3b User mobile phone 5a Agency mobile terminal 5b Agent terminal 7 Telecommunications carrier server 8 Online bank server 9 Insurance company server 91 Application reception processing unit 93 Application data generation unit 95 Payment processing unit 97 accounting Information DB 99 Application Information DB

Claims (15)

[Claims] 1. A step of receiving information on insurance policy application contents for a specific customer from a terminal of an agency and storing the information in an application information storage device, and transmitting the insurance policy application request to the specific customer. Transmitting to the terminal of the specific customer information relating to the application content of the insurance contract for the specific customer stored in the application information storage device; and fixing the insurance contract from the terminal of the specific customer. Receiving the information on the application content and storing it in the accounting-related information storage device together with the information on the reception date or the reception date and time. 2. A step of receiving, from a terminal of the agency, information on a changeable item and a changeable range or an option of the changeable item with respect to an application content of an insurance contract to a specific customer, and storing the information in an application information storage device. An insurance contract for the specific customer including at least a part of the changeable items stored in the application information storage device and information on a changeable range or options of the changeable items in the terminal of the specific customer. A transmission step of transmitting information on the application content of the insurance contract; receiving information on the fixed application content of the insurance contract from the terminal of the specific customer, and storing the information in the accounting relation information storage device together with information on the reception date or the reception date and time. An information processing method comprising: a processing step. 3. A step of receiving, from a terminal of an agency, information on a changeable item and a changeable range or an option of the changeable item with respect to the application content of an insurance contract to a specific customer, and storing the information in a storage device. The insurance contract application received from the terminal of the agency checks whether the application content satisfies a predetermined condition, and when it is determined that the predetermined condition is satisfied, the changeable item and the changeable item are determined. Storing in the application information storage device the information on the application contents of the insurance contract for the specific customer including information on the changeable range or options of the specific customer, and storing the information in the application information storage device in the terminal of the specific customer. The special property including at least a part of the information on the changeable item and the changeable range or option of the changeable item. A transmission step of transmitting information on the application details of the insurance contract to the customer, receiving information on the final application details of the insurance contract from the terminal of the specific customer, and a recording-related information storage device together with information on the reception date or the reception date and time And an accounting-related processing step to be stored in the information processing method. And a step of receiving from the terminal of the agency information about a changeable item and a changeable range or an option of the changeable item with respect to the application contents of the insurance contract to a specific customer, and storing the information in the application information storage device. A transmission step of transmitting, to the terminal of the specific customer, information on the application details of the insurance contract for the specific customer; and receiving information on the application details of the insurance contract from the terminal of the specific customer; A step of confirming whether a condition specified from the changeable item stored in the application information storage device and information on a changeable range or an option of the changeable item is satisfied, and it is determined that the condition is satisfied. In such a case, the information on the application details of the insurance contract is recorded together with the information on the reception date or the reception date and time. An information processing method comprising the recorded related process steps of storing the multicast storage device. 5. The accounting-related information storage device, when receiving information indicating that the specific customer has completed the procedure of paying the insurance premium of the insurance contract, together with the information indicating the completion of the payment procedure together with the information on the reception date or the reception date and time. The information processing method according to any one of claims 1 to 4, further comprising: 6. When the specific customer designates cash payment as a method of paying the insurance premium of the insurance contract, identification information and insurance premium amount for the insurance contract or the application for the insurance contract are sent to the agent. The method according to claim 1, further comprising transmitting a notification including the information.
The information processing method described in (1). 7. Receiving information on the date or date and time when the insurance premium was received from the specific customer who designated the cash payment from a terminal of the agency, and storing the information in the accounting-related information storage device. 7. The information processing method according to claim 6, further comprising: 8. A means for receiving, from a terminal of an agent, information on the application content of an insurance contract to a specific customer, storing the information in an application information storage device, and transmitting an application request for the insurance contract to the specific customer. Means for transmitting, to the terminal of the specific customer, information relating to the application contents of the insurance contract for the specific customer stored in the application information storage device; and fixing of the insurance contract from the terminal of the specific customer Means for receiving information on the contents of the application and storing it in the accounting-related information storage device together with information on the reception date or the reception date and time. 9. A means for receiving, from a terminal of an agency, information on a changeable item and a changeable range or an option of the changeable item with respect to an application content of an insurance contract to a specific customer, and storing the information in an application information storage device. An insurance contract for the specific customer including at least a part of the changeable items stored in the application information storage device and information on a changeable range or options of the changeable items in the terminal of the specific customer. Transmitting means for transmitting the information on the application content of the insurance contract; receiving the information on the fixed application content of the insurance contract from the terminal of the specific customer, and storing the information in the accounting relation information storage device together with the information on the reception date or the reception date and time. A computer system comprising: processing means. 10. A means for receiving, from a terminal of an agency, information on a changeable item and a changeable range or an option of the changeable item with respect to the application contents of an insurance contract to a specific customer, and storing the information in a storage device. The insurance contract application received from the terminal of the agency checks whether the application content satisfies a predetermined condition, and when it is determined that the predetermined condition is satisfied, the changeable item and the changeable item are determined. Means for storing, in the application information storage device, information on the application details of the insurance contract for the specific customer, including information on the changeable range or options of the specific customer, and the terminal of the specific customer, stored in the application information storage device The particular customer including at least a portion of the information about the modifiable item and the modifiable range or options for the modifiable item. Transmitting means for transmitting information on the application content of the insurance contract to the client; receiving information on the fixed application content of the insurance contract from the terminal of the specific customer, and storing it in the accounting-related information storage device together with information on the reception date or the reception date and time. And a computer system comprising: 11. A means for receiving, from a terminal of an agent, information on a changeable item and a changeable range or an option of the changeable item with respect to the application content of an insurance contract to a specific customer, and storing the information in an application information storage device. Transmitting means for transmitting information on insurance policy application content for the specific customer to the terminal of the specific customer; receiving information on the application request content of the insurance policy from the terminal of the specific customer; Means for confirming whether or not a condition specified from the changeable item stored in the application information storage device and information on a changeable range or an option for the changeable item is satisfied; and it is determined that the condition is satisfied. In this case, the information relating to the insurance policy application desired together with the reception date or the reception date and time information is included in the accounting-related information storage device. Computer system having a recorded relationship processing means, a to be stored in. 12. A step of receiving, from a terminal of an agency, information on the application contents of an insurance contract to a specific customer, storing the information in an application information storage device, and transmitting an application request for the insurance contract to the specific customer. Transmitting to the terminal of the specific customer information relating to the application content of the insurance contract for the specific customer stored in the application information storage device; and fixing the insurance contract from the terminal of the specific customer. Receiving the information on the contents of the application and storing it in the accounting-related information storage device together with the information on the reception date or the reception date and time. 13. A step of receiving, from a terminal of an agency, information on a changeable item and a changeable range or an option of the changeable item with respect to an application content of an insurance contract to a specific customer, and storing the information in an application information storage device. An insurance contract for the specific customer including at least a part of the changeable items stored in the application information storage device and information on a changeable range or options of the changeable items in the terminal of the specific customer. A transmission step of transmitting information on the application content of the insurance contract; receiving information on the fixed application content of the insurance contract from the terminal of the specific customer, and storing the information in the accounting relation information storage device together with information on the reception date or the reception date and time. A processing step, and a program that causes a computer to execute. 14. A step of receiving, from a terminal of an agent, information on a changeable item and a changeable range or an option of the changeable item with respect to an application content of an insurance contract to a specific customer, and storing the information in a storage device. The insurance contract application received from the terminal of the agency checks whether the application content satisfies a predetermined condition, and when it is determined that the predetermined condition is satisfied, the changeable item and the changeable item are determined. Storing in the application information storage device the information on the application contents of the insurance contract for the specific customer including information on the changeable range or options of the specific customer, and storing the information in the application information storage device in the terminal of the specific customer. The information including at least a part of the changeable item and information on a changeable range or an option of the changeable item. A transmitting step of transmitting information on the application details of the insurance contract to a certain customer; receiving information on the final application contents of the insurance contract from the terminal of the specific customer, and storing the accounting-related information together with the information on the reception date or the reception date and time. A program for causing a computer to execute accounting-related processing steps to be stored in the device. 15. A step of receiving, from a terminal of an agency, information on a changeable item and a changeable range or an option of the changeable item with respect to an application content of an insurance contract to a specific customer, and storing the information in an application information storage device. A transmission step of transmitting, to the terminal of the specific customer, information on the application details of the insurance contract for the specific customer; and receiving information on the application details of the insurance contract from the terminal of the specific customer; A step of confirming whether a condition specified from the changeable item stored in the application information storage device and information on a changeable range or an option of the changeable item is satisfied, and it is determined that the condition is satisfied. In such a case, the information on the application details of the insurance contract should be added together with the date of receipt or information on the date and time of receipt. Program for executing the recorded related process steps to be stored in the information storage device, to the computer.