JP2003022367A - Device for processing information for insurance - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make account type insurance available by considering persons involved such as a family member of a contractor, so that making a taxation form becomes advantageous to a customer. SOLUTION: An accumulated fund transfer processing part 24 performs accumulated fund transfer processing, related to insurance expense payment about a set of insurance contracts One insurance contract is an account-type insurance having an account, where an accumulated fund can be extracted in the set of insurance contracts. In the other insurance contract, a different contractor is set, so that a tax type applied, when insurance fee is received may be lower, if the contractor of the other insurance contract makes a contract than that of a contractor of the one insurance contract. The processing part 24 transfers the accumulated fund of the account held by the one insurance contract on the set of the insurance contracts to the other insurance contract. A donation record processing part 26 records insurance fee donations. The accounts are used to perform insurance fee transfer to the insurance contract of a contractor, such as a family member who is different from the contractor of the account with accumulated fund transfer from the account, and the accumulated fund transfer is recorded as an insurance fee donation.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a device for processing insurance information, and more particularly, to a device for processing information on an insurance contract having an account from which a fund can be withdrawn. The device of the present invention performs the appropriate information processing to receive insurance money with proper and advantageous forms of taxation.

[0002]

2. Description of the Related Art Life insurance companies have an enormous number of insurance contracts with their customers, and the number of contracts can reach several million to over 10 million. As is well known, computer systems have been conventionally used for the management of such a huge number of insurance contracts, collecting insurance premiums, paying insurance money, and the like.

FIG. 1 shows an example of insurance (hereinafter, appropriately referred to as account-type insurance) having an insurance account capable of taking out a reserve, which has recently been attracting attention. This insurance consists of an insurance premium portion and a security-related portion. The main contract corresponds to the funded portion, and the special contract corresponds to the security-related portion. Insurance premiums are saved as reserves in the main contract. The riders are, for example, a term insurance rider, a hospital stay rider, and three major illness riders. The funded portion and the security-related portion may not have a special contract with the main contract, and may be configured as separate contracts.

In FIG. 1, the reserve portion functions as an account from which the reserve money can be taken out. Customers can place premiums in their accounts, pay premiums from their accounts, and withdraw funds from their accounts as needed. This type of insurance is drawing attention as insurance that comprehensively supports the lives of customers through the above-mentioned usages.

[0005]

As described above, the insurance of FIG. 1 is drawing attention as a comprehensive support for the lives of customers. In order to enhance the support function, it is expected that not only the contractor but also related persons such as the family will be supported. In such a development, for example, as shown in FIG. 2, when the “husband” has insurance, the “wife” endowment insurance is set in the special portion. However, in such a case, the gift tax is applied when the wife receives the insurance money, so the tax amount is high.

[0006] FIG. 3 shows types of taxes levied on insurance money. Tax types include inheritance tax, income tax and gift tax, and generally the tax increases in this order. In the above case, if the contractor is the husband and the payee is the wife when the endowment insurance expires, the gift tax is applied, as shown in FIG.

As can be seen from the above example, conventionally, when the account type insurance is used in consideration of the family of the contractor, the tax to be applied may be high.
If account-type insurance is not used, it may be possible to make a contract with the contractor as a wife so that the gift tax is not imposed according to FIG. However, when using account-based insurance, the contractor of endowment insurance is dragged into account-based insurance and becomes a husband. As a result, the setting of the contract leads to the application of gift tax as described above. While account-type insurance is drawing attention, it is desirable to avoid the tax application as described above in order to make the account-type insurance more advantageous to customers.

Regarding this point, considering the information processing by the current computer system of the insurance company when handling the above-mentioned account type insurance, the data processing concerning the account type insurance is
Since the main contract and the special contract are processed on the premise of processing for one contractor, if the contractor of the main contract is the husband, the contractor of the special contract is automatically set as the husband. As a result, the applicable tax type is automatically a gift tax according to FIG.

The present invention has been made in view of the above background, and the main purpose of the present invention is to provide insurance with an account to support a customer who takes into consideration related parties such as a contractor's family and a taxable form. Is to provide an information processing apparatus for insurance that makes it available to customers.

[0010]

One aspect of the present invention is an insurance information processing apparatus. In this device, the insurance contract information storage means stores information on insurance contracts with a plurality of contractors. The reserve transfer means performs a reserve transfer process related to payment of an insurance premium for a set of insurance contracts among a plurality of insurance contracts stored in the insurance contract information storage means. One of the insurance contract groups has an insurance account from which the fund can be withdrawn. The other insurance contract has one of the above insurance policies so that the tax policy applied when receiving the insurance is lower when the policyholder of the other insurance contract contracts than the policyholder of the other insurance contract. Contract and contractor are set differently. The reserve fund transfer means transfers the reserve fund of the insurance account of one insurance contract in such an insurance contract set to the other insurance contract. The movement of reserve fund is
The reserve fund may be transferred from one contract to the other. Appropriate expenses etc. will be charged when moving the reserve fund, and for that reason,
The amount of reserve money to be reduced from one contract does not have to match the amount given to the other contract. Then, when the reserve money moving means moves the reserve money, the gift recording means records the insurance premium gift. In this record, the policyholder of one insurance contract is the donor and the policyholder of the other insurance contract is the recipient.

According to the present invention, the fund for the insurance account of the insurance contract is transferred to the insurance contract of another contractor beyond the limit of the account contractor in terms of computer data processing. Other contractors are set so that the tax type at the time of receiving the insurance is a lower amount type due to the difference in the contractor. Then, the movement of the reserve fund is recorded as a gift of the insurance premium.

By using the device of the present invention, when considering the family such as the family of the account type policyholder (the person), the insurance policy of the policyholder (family, etc.) different from the person from the account type insurance is paid. Gifts can be made, which imposes reasonable taxes, such as income tax, rather than gift tax, on insurance claims. Therefore, account-based insurance can be made available in consideration of related parties such as family members and the taxation form being advantageous to the customer.

Here, in the account type insurance, the insurance account provides a convenient window function that can be used for withdrawing and depositing insurance premiums (reserves). However, conventionally, this window function is required only to be used within the scope of the account type insurance, that is, to be useful for the insurance of the account contractor. And, regarding the data processing of the account type insurance, the conventional computer system is only configured to provide the window function by computer processing for the insurance of one contractor within the scope of the account type insurance.

On the other hand, according to the present invention, the window function of the insurance account is extended to the insurance where the family member becomes the contractor beyond the account contractor. Insurance premiums for other contractors, such as family members,
Payment is possible through an insurance account. In addition, the present invention is a different contractor (family etc.) which has not been seen in the past, due to the fund transfer process using such an insurance account function.
It is possible to donate insurance premiums during this period, and as a result, account-based insurance can be used appropriately considering family members and the like as described above.

Preferably, the device of the present invention includes a gift history output means for outputting the history of insurance premium gifts recorded by the gift history recording means. Preferably, the gift history is output when the insurance money is paid (received). For example, in conjunction with the function of performing insurance payment processing, at an appropriate timing,
Is output. Appropriate timing is set in advance in relation to the receipt of insurance money and so as not to interfere with tax filing. The insurance premium donation history indicates that the insurance premium was gradually donated over the insurance premium payment period and is effectively used when the insurance money is received. The output unit is, for example, a printer, and may print the insurance premium donation history on a predetermined sheet. The output unit is a communication device, and may send the insurance premium donation history.

[0016] Preferably, the fund transfer means moves the fund of the donor insurance account of the one insurance contract to a donor insurance account associated with a contractor of the other insurance contract, Further, the transfer is made from the gift recipient insurance account to the other insurance contract. The insurance contract with the beneficiary insurance account is for the same policyholder as the other insurance contract, but is preferably a different insurance contract from the other insurance contract. Preferably, the reserve transfer means transfers a reserve from the donor insurance account to the donor insurance account, and a reserve transfer from the donor insurance account to the other insurance contract. , At different times. Preferably, the reserve transfer means is different from a reserve transferred from the donor insurance account to the donor insurance account and a reserve transferred from the donor insurance account to the other insurance contract. Let Preferably, the reserve transfer means transfers the reserve transferred from the donor insurance account to the donor insurance account into a plurality of times, and transfers the reserve from the donor insurance account to the other insurance contract. . According to the present invention, the movement of the reserve fund can be treated more reliably as a gift of insurance premium.

In the insurance information processing apparatus according to an aspect of the present invention, the insurance contract information storage means stores information on an insurance contract with a plurality of contractors. The following sets of insurance contracts are included in the plurality of insurance contracts stored in the insurance contract information storage means. In the set of insurance contracts, one insurance contract has an insurance account from which the fund can be withdrawn. Regarding the other insurance contract, in order to make the tax type applied at the time of receiving the insurance money lower when the policyholder of the other insurance contract contracts than the policyholder of the other insurance contract, one of the above The insurance contract and the policyholder are set differently.
The notification recording means, with respect to such a set of insurance contracts, at least one contractor, at a predetermined notification time, pays an insurance premium from the contractor of the one insurance contract to the contractor of the other insurance contract. Record the notification. In accordance with the reaction to the notification of the insurance premium donation, the fund transfer means transfers the fund of the insurance account held by one of the insurance contracts between the insurance contracts of the other insurance contract to the other insurance company. Move to contract.

In order to recognize that the premium has been donated over the payment period when the insurance money is received, it is effective that, for example, a gift contract is prepared every year. According to the present invention, a notification of a gift contract is issued, and the reserve fund is transferred between insurance contracts required to give an insurance premium in response to the notification. Therefore, it is possible to perform a process for surely achieving an appropriate insurance premium donation, and a more appropriate taxation pattern is applied.

Further, according to the present invention, since the notification about the insurance premium donation is sent to and managed by the policyholder at an appropriate time, the policyholder can easily make an appropriate insurance premium donation. For example, it is possible to reduce troublesome work for the contractor, such as creating an insurance premium giving contract each year independently and storing it for a long period of time during the payment period.

The above-mentioned notice is preferably a notice for confirming the intention to give an insurance premium at an appropriate donation time or a donation period (for example, next year) after the notice. This notification is
Preferably, it is a notification (for example, a notification of renewal) for ensuring the establishment of an insurance premium gift contract in the next gift period or gift period.

The present invention is not limited to the above information processing apparatus. Another aspect of the present invention is, for example, a computer processing method relating to insurance information, a program causing a computer to execute the method, or a computer-readable medium recording the program.

[0022]

BEST MODE FOR CARRYING OUT THE INVENTION Preferred embodiments of the present invention will be described below with reference to the drawings.

FIG. 4 is a functional block diagram of the insurance information processing apparatus of this embodiment. Insurance information processing apparatus 1 in FIG.
Is equipped in the computer system of a life insurance company. A computer system of a life insurance company manages a large number of insurance contracts and performs data processing such as insurance premium payment for each contract. A large-scale computer system is preferably used to handle a huge number of insurance contracts. In terms of hardware, this system performs various servers (management of insurance contract master files, maintenance of insurance contracts, recording of payment of insurance premiums, recording of insurance payments, etc.), numerous client terminals, printers. And the like, an external communication device, and the like. The insurance information processing apparatus 1 of FIG. 4 is provided as a part of such a computer system.

As shown in FIG. 4, the insurance information processing apparatus 1 is roughly divided into an insurance contract information database 1
0, an insurance premium gift processing unit 20, a gift history output processing unit 30, and a gift notification related processing unit 40.

The insurance contract information database 10 includes an individual insurance contract information storage unit 12, a gift contract information storage unit 14, and a gift history storage unit 16.

The individual insurance contract information storage unit 12 stores information on insurance contracts with many policyholders. The stored information includes information on contract content, insurance premium payment, reserve amount, insurance payment, and the like. Gift contract information storage unit 14
Stores information about insurance premium donation contracts. The gift history storage unit 16 stores a history of insurance premium gifts according to the gift contract of the gift contract information storage unit 14.

The individual insurance contract information storage unit 12 corresponds to one form of the insurance contract information storage means of the present invention. In the individual insurance contract information storage unit 12, among the various information related to each contract, at least the minimum information necessary for performing the processing of the present invention may be stored as the information of the insurance contract. . In the actual system, the individual insurance contract information storage unit 12 is divided into a plurality of storage units (files and the like), and the plurality of storage units may collectively function as the storage unit 12. The same applies to other storage units.

The insurance premium gift processing unit 20 performs processing related to the gift of insurance premiums. The insurance premium gift processing unit 20 includes a target contract group selection unit 22, a reserve fund transfer processing unit 24, and a gift recording processing unit 26. The target contract group selection unit 22 refers to the gift contract information storage unit 14 and selects a set of insurance contracts to be the target of the reserve fund transfer process.

FIG. 5 shows the information stored in the gift contract information storage unit 14. The storage unit 14 stores the insurance contracts and contractors of the donor and the insurance contracts and contractors of the recipient. Further, the amount of insurance premium to be donated at one time (the amount of movement of the reserve fund) and the time of each donation (movement time of the reserve fund) are stored. The donated amount is equal to the insurance premium to be paid to the recipient's insurance contract. Further, the donation period is set according to the insurance premium payment period (deadline) of the recipient's insurance contract. For example, the insurance contract of the recipient is a monthly payment contract, and the donation time is the same day as the insurance premium payment date (deadline) or the day before that.

The gift contract information such as the gift giver and the gift giver in FIG. 5 is input by the operator and stored in the present apparatus. As shown in the figure, since the gift contract information includes information indicating the content of the gift processing, the gift contract information storage unit 14 is one of gift content storage means for storing information indicating the content of the gift processing. It can be said to be the form.

In FIG. 5, the insurance contract of the donor is equivalent to the “one side” insurance contract of the insurance contract group in the present invention,
The recipient's insurance contract corresponds to the "other" insurance contract.
The insurance policy of the donor is an insurance account (hereinafter simply referred to as an account) from which reserves can be taken out, as described using FIG.
With. The recipient's insurance contract is set so that the tax type applied by the recipient's contractor when receiving the insurance is lower than that of the donor's contractor (gift tax From inheritance tax, gift tax to income tax, or income tax to inheritance tax).

FIG. 6 shows an example of a suitable combination of the insurance contracts of the donor and the recipient. The donor insurance contract has an account and the contractor is "husband". The recipient's insurance contract is endowment insurance, and the contractor is "wife". In the recipient's contract, the contractor's wife is the death insurance benefit, the insured is the wife, and the recipient is the husband.
The contractor is his wife, the insured is his wife, and the recipient is his wife. Therefore, referring to FIG. 3, the inheritance tax is applied to the death benefit and the income tax is applied to the maturity benefit.

FIG. 7 shows a case where the conventional account type insurance is used without making the setting as shown in FIG. In this case, endowment insurance is set as a special provision of account-type insurance. Therefore, the contractor of endowment insurance is "husband". And
For death insurance, the policyholder is the husband, the insured is the wife, the recipient is the husband, and the maturity insurance is the policyholder's husband,
The insured is his wife and the recipient is his wife. Therefore, referring to FIG. 3, income tax is applied for death benefit,
Gift tax applies to maturity claims.

As is clear from comparing FIG. 6 and FIG. 7 with reference to FIG. 3, the contract relationship as shown in FIG. 6 is appropriate because the tax types for insurance money are lower, The advantageous taxation form will be applied.

Returning to FIG. 4, the target contract group selection unit 22 refers to the gift contract information storage unit 14 and selects a set of insurance contracts composed of a gift source contract and a gift recipient contract. A set of insurance contracts for which a donation is requested by a notification response (described later) and the time of donation has come is selected.

The reserve fund transfer processing unit 24 carries out a process of transferring the reserve fund of the account held by the donor insurance contract to the insurance contract of the recipient of the selected insurance contract group. The amount of the reserve fund to be moved is obtained by referring to the gift contract information storage unit 14. Here, rewriting processing is performed on the information of both contracts stored in the individual insurance contract information storage unit 12. The deposit of the account will be reduced for the insurance policy of the donor. Then, payment of the insurance premium is recorded for the insurance contract of the recipient.

The transfer process of the reserve fund is not limited to the above,
The reserve fund may be transferred from one contract to the other in some way. In addition, an appropriate cost or the like is charged when the reserve fund is moved, and therefore, the reserve fund amount to be reduced from one contract and the amount given to the other contract need not match. In the above case, the amount of reduction of the reserve fund may be somewhat larger than the amount of the insurance premium paid at the recipient.

When the insurance premium movement processing unit 24 moves the reserve fund, the gift record processing unit 26 designates the contractor of the insurance contract of the donor as the donor and the contractor of the insurance contract of the recipient as the recipient. Record the premium donations you make. The insurance gifts are stored in the gift history storage unit 16.

FIG. 8 shows the information stored in the gift history storage unit 16. The stored information includes the insurance contract of the donor, the insurance contract of the recipient, the donor, the recipient, the date of donation, and the donation amount (= reserve fund moved = insurance premium paid). Of course, insurance premium donation may be recorded for each contract.

FIG. 9 is a flowchart showing the processing relating to the insurance premium donation of this embodiment. The process of FIG. 9 is performed, for example, every day. First, the target contract group selection unit 22 refers to the gift contract information storage unit 14 and selects one of the insurance contract groups to be subjected to the gift processing (S10). Here, the contract group whose gift period has come is selected. The reserve fund transfer processing unit 24 transfers the reserve fund of the account held by the donor insurance contract to the recipient insurance contract through the writing process to the individual insurance contract information storage unit 12 (S12). And
The gift record processing unit 26 records the insurance gift through the writing process to the gift history storage unit 16 (S14).
It is determined whether or not the processing of all contract combinations stored in the gift contract information storage unit 14 has been completed (S16). If NO, the process returns to S10, and if YES, the process ends.

Returning to FIG. 4, the gift history output processing section 30
The gift record processing unit 26 outputs the history of insurance premium gifts recorded in the gift history storage unit 16. The gift history output processing unit 30 is linked with the insurance payment processing unit 32. When the insurance payment processing unit 32 performs a process for paying a death benefit or a maturity insurance benefit to a recipient (insurance accident occurrence, etc.), the gift history output processing unit 30 uses a printer device until then. Print the insurance premium donation history on paper. The output timing may be set at the same time as the insurance payment processing or may be separated, and is appropriately set in advance so as to be related to the insurance payment and not to impede tax filing.

This insurance premium donation history is mailed to the recipient and used for tax reporting. The insurance premium donation history is effectively used as an indication that the insurance premiums have been gradually donated over the insurance premium payment period. The gift history output processing unit 30 may send the insurance gift history data using a communication device. The destination is, for example, the computer of the recipient or the person concerned. The destination may be a computer of a branch of a life insurance company.

The gift notification related processing unit 40 includes a notification target selection unit 42, a notification output processing unit 44, and a notification recording processing unit 4.
6, a notification reaction information acquisition unit 48 and a notification reaction information recording processing unit 50 are included.

Referring again to FIG. 5, the gift contract information storage unit 14 stores the notification time, the notification record, and the notification reaction in addition to the information already described. The notice is a notice for confirming the intention to give the insurance premium at an appropriate time or period after the notice. In the present embodiment, the notification is a notification for updating the gift contract (one of the notifications for ensuring the establishment of the gift contract). The notification period is set so that the premium donation is subject to taxation every year in consideration of tax payment every year (however, as is well known, tax is not levied on gifts less than a predetermined amount). In this embodiment, an appropriate notification time is set once a year.
The validity period (renewal cycle) of the gift contract is also one year. The notification period may be the same for all contract groups.

The notification target selection unit 42 refers to the gift contract information storage unit 14 and selects a contract group (donor source and gift recipient) whose notification time has come. The notification output processing unit 44 outputs a notification for confirming whether or not to update the gift contract to both contractors of the selected contract group. The notification is printed on paper using a printer. This notice will be mailed to the subscriber. The notification may be sent by communication using e-mail or the like.

The notification includes the content that only functions as the contract of the gift contract to be updated. Figure 6 above
In the example, the donor and the recipient are husband and wife and belong to the same family. The gift giver and the beneficiary are inquired about the update of the gift contract on the notification and a reply is required. For example, a reply postcard describing the contents of the contract is attached to the notification. In addition, the above notification may be included in other notifications or notifications regarding the insurance contract.

The notification record processing unit 46 writes the information of the notification record in the gift contract information storage unit 14. The notification record is information indicating that a notification has been output by the notification output processing unit 44, or information indicating that the output notification has been transmitted to the contractor.

The notification reaction information acquisition unit 48 acquires the information indicating the confirmation result of the contract renewal as the reaction information for the above notification. For example, the operator reads a reply from the postcard as to whether or not to renew the contract, inputs the reply, and acquires the input information. Notification reaction information recording processing unit 50
Performs a process of recording the reaction information in the gift contract information storage unit 14. This process corresponds to the process of recording the update of the gift contract. In the example of FIG. 5, if the notification response is update, the contract has been updated. In an actual system, for example, a flag indicating contract renewal is set. Information on the gift contract that has not been updated may be deleted or moved to another place.

In the insurance premium giving process, as already described,
According to the notification reaction, the contract group for which the donation is requested is selected, and the insurance premium donation process is performed by moving the reserve fund for the contract group. In the above example, the reserve fund is moved with respect to the gift contract (gift contract with the update flag) recorded as updated in the notification response column.

Regarding the above notification, a notification of the type that the contract is renewed when there is no response from the contractor may be applied. In this case, with respect to the gift contract that has been informed that it will not be updated, the fact is input by the operator, for example. Contract sets that do not respond to the notification are extracted at an appropriate timing. The information indicating the extracted contract group is acquired by the notification reaction information acquisition unit 48 as the information of the confirmation result of the update, that is, the information indicating the reaction to the notification, and the notification reaction is written according to the information. Be seen. Here, not responding to the notification is one form of reaction to the notification.

Further, the notification is not limited to the above as long as it is recognized in the taxation that the insurance premiums were donated during the payment period, for example, the notification may be given to one contractor. Notifications may be issued only to the donor to allow confirmation of the donor's willingness to give, and with respect to such notification, the gifting process is performed on the contract set for which the notification response requires insurance premium donation.

Further, in the above embodiment, the valid period is set in the gift contract, and when the valid period elapses, the notification is given. The notification may be given for each gift. In this regard, a notification may be given for each gift, and a gift contract may be concluded for each gift.

FIG. 10 is a flowchart showing the processing relating to the notification of insurance gifts. First, the notification target selection unit 4
2 refers to the gift contract information storage unit 14 and selects a contract group whose notification time has come (S20). The notification output processing unit 44 outputs a notification for confirming the update of the gift contract to the contractor of the selected contract group (S22). The notification recording processing unit 46 records in the gift contract information storage unit 14 that the notification has been made (S24). The notification reaction information acquisition unit 48 acquires the reaction information to the notification indicating the confirmation result of the contract renewal using the above notification (S26). And
The notification reaction information recording processing unit 50, based on the confirmation result,
Information of the notification reaction is recorded in the gift contract information storage unit 14 (S28). The processing of S20 to S28 is performed for each gift contract (each insurance contract group) stored in the gift contract information storage unit 14.

The preferred embodiment of the present invention has been described above. As described above, in the present embodiment, the reserve fund of the account held by the insurance contract is transferred to the insurance contract of another contractor beyond the frame of the account contractor in the data processing of the computer. In the example of FIG. 6, the insurance policyholder who has an account is his husband, and the other policyholders are his wife. As described with reference to FIG. 6, the other contractor is set so that the tax type at the time of receiving the insurance money becomes a lower tax type. Then, the movement of the reserve fund is recorded as a gift of the insurance premium.

By using the apparatus of the present embodiment, when the related parties such as the family of the account type insurance contractor (the person) are taken into consideration, the insurance contract from the account type insurance to the insurance contract of the contractor (family etc.) different from the person It is possible to make a gift donation, which imposes a reasonable tax, such as applying income tax rather than gift tax on insurance money. Therefore, account-based insurance can be made available in consideration of related parties such as family members and the taxation form being advantageous to the customer.

Here, in the account type insurance, the account provides a convenient window function that can be used for taking in and out of the insurance premium (reserve). However, conventionally, this window function is required only to be used within the scope of the account type insurance, that is, to be useful for the insurance of the account contractor. And
Conventional computer systems, with regard to account-based insurance data processing, are only configured to provide a computer-based window function for the insurance of one policyholder within the scope of account-based insurance.

On the other hand, in the present embodiment, the window function of the account is extended beyond the account contractor to the insurance where the family member becomes the contractor. Insurance premiums for other contractors, such as family members,
Payment is possible through an account. In addition, the present embodiment makes it possible to donate insurance premiums to different contractors (family members, etc.), which has not been seen in the past, by the reserve fund transfer process using such an account function. Account-based insurance has become suitable for families and others.

Further, in the present embodiment, the gift history output processing section outputs the history of the insurance premium gift. This insurance premium donation history is usefully used to show that the insurance premium was donated during the insurance premium payment period when the insurance money was received.

By the way, if the donation of the insurance premium during the payment period is not accepted, there is a possibility that the higher tax type will be applied. It is said that whether or not insurance premiums were donated by policyholders each year will be recognized when the facts of the gift facts are obtained. One of the things that has traditionally been able to effectively recognize gift facts is the annual gift contract. In the present embodiment, in order to create a fact equivalent to this gift contract, a notification of insurance premium donation is issued at an appropriate time, and the insurance contract is requested in response to the notification. Reserve fund is moved between. In the above process, the contract is updated using the notification. According to the present embodiment, it is possible to perform the processing for surely achieving an appropriate insurance premium gift, so that a more appropriate and appropriate taxation pattern is applied.

In the present embodiment, the reserve fund is moved by the computer system and becomes an insurance premium of another contract. Internal processing is mainly performed, and there is no (or little) opportunity to expose cash information etc. to the outside. In such a situation, according to the present embodiment, by recording the insurance gift donation and / or gift notification related processing as a record, a more appropriate taxation form can be obtained.

Further, according to the present embodiment, since the notification about the insurance premium donation is sent to and managed by the policyholder at an appropriate time, the policyholder can easily make an appropriate insurance premium donation. . For example, we make our own insurance premium donation contract every year,
It is possible to reduce troublesome work for contractors, such as long-term storage over the payment period.

Of course, this embodiment can be modified within the scope of the present invention. For example, in the insurance contract information database 10 of FIG. 4, the individual insurance contract information storage unit 1
2. The gift contract information storage unit 14 and the gift history information storage unit 16 may be configured as separate files, or some or all of them may be configured as one file.

FIG. 11 shows an example of a configuration in which the individual insurance information storage unit 12, the gift contract information storage unit 14, and the gift history storage unit 16 are integrated. In the example of FIG. 11, the information on the gift contract and the gift history is added to the insurance contract of the recipient. That is, the information of the recipient's endowment insurance contract is (1) contract details (including contractor name), (2) payment of insurance premiums, (3) donor's insurance contract, (4) donor (donor) (Original insurance policyholder), (5) Gift premium, (6) Gift period, (7) Notification period, (8) Notification record, (9) Notification reaction (Confirm that the contract has been renewed and is in the established state) Show), (1
0) Contains the gift history. As shown, (3)-
(9) corresponds to the information stored in the gift contract information storage unit 14 of FIG. 1, and (10) corresponds to the information stored in the gift history storage unit 16.

Of these pieces of information, duplicated pieces and pieces that can be derived from other pieces of information may be omitted as appropriate. For example, the gift insurance premium is the same as the insurance premium of the insurance contract of the recipient, and can be omitted. Further, the donation time may be omitted because it may be obtained according to the insurance payment date. You can also set the notification time according to the gift time and the contract date of the recipient insurance,
Alternatively, it can be omitted by setting all contracts uniformly. The donor can be omitted because it is known by referring to the data of the insurance contract of the donor.

In the example of FIG. 11, the insurance information of the recipient is
Gift contract information and gift history information have been integrated. On the other hand, the gift contract information and / or the gift history information is
It may be integrated with the insurance information of the donor. Although not shown, for example, regarding the insurance contract of the donor, in addition to information such as the contract content and account reserve amount, the insurance contract of the recipient, the recipient, the mobile reserve (= gift insurance), the donation time, the notification time Notification record, notification reaction and gift history (= movement history)
Is memorized.

Referring to FIG. 12, FIG. 12A is the same as the example of FIG. That is, the account insurance contract of the donor is composed of a main contract having an account function and a special contract having a security-related function. Reserve fund is transferred from the main contract. It should be noted that, within the scope of the present invention, savings and guarantees may not be in a special contract with the main contract, and for example, both may have an opposite relationship or an equal relationship.

In FIG. 12B, the insurance of the donor is the same as that of FIG. 12A in that it is account type insurance, but savings insurance (account) and guarantee insurance are independent as a contract.
In the example of FIG. 12B, a plurality of guarantee insurances are associated with savings insurance for the same contractor at the gift giving source. The present invention is also applied to this type of account-type insurance as in the present embodiment. Savings insurance (account-type insurance) contracts are linked not only to insurance coverage for the same person, but also insurance for other contractors (eg, wife's endowment insurance). Then, the fund of the account is transferred to the insurance of the other contractor.

FIG. 12C shows FIGS. 12A and 12C.
It is a composite type of (b). The donor's account is the main contract part of the main contract plus the special contract insurance contract, and is associated with the independent security insurance contract that the donor makes.
Furthermore, the account is also linked to the recipient's insurance contract. In this case as well, the present invention is applied similarly to the above-described embodiment, and the reserve fund is transferred from the account to the insurance of the gift recipient.

In FIG. 12 (d), the guarantee-related part is not shown for the giver, and only the account exists. Also in this case, the present invention is applied in the same manner as the above-mentioned embodiment,
Reserve funds are transferred from the account to the beneficiary's insurance. Typically, when the insurance portion of any of FIGS. 12 (a) to 12 (c) does not set a guarantee portion, FIG.
Situation occurs.

In FIG. 13, the recipient's account (donee's insurance account) is interposed between the donor's insurance contract and the recipient's insurance contract. The recipient's insurance account and the recipient's insurance contract have an independent contract relationship (the same as in FIG. 12 (b), and as in FIG. 12 (c), the recipient's insurance account is contracted in FIG. 13). May have a security part).

In the reserve fund transfer processing, the reserve fund transfer processing unit (reference numeral 24 in FIG. 4) transfers the reserve fund from the account of the insurance contract of the donor (donor insurance account) to the donor insurance account. Further, the reserve fund is transferred from the recipient's insurance account to the insurance contract of the recipient (eg, wife's endowment insurance).

In this process, the reserve fund is moved in two steps. A reserve is transferred from the donor's account to the recipient's account, and the reserve of the recipient's account is used to pay the recipient's insurance premium. That is, the transfer of the reserve fund between the contractors and the payment of the insurance premium using the transferred reserve fund are recorded. This makes it clear that you paid the insurance premium with the donated money. There are two levels of money transfer, as in the case of giving a savings to a bank account + paying an insurance premium by transferring a bank account. It is thought that the transfer of reserve funds can be treated more reliably as a gift of insurance premiums.

The data processing of the reserve fund movement processing unit corresponding to FIG. 13 is also performed on the information of the insurance contract stored in the insurance contract information database, as in the above-described embodiment. The processing targets are the donor insurance account, the recipient insurance account,
This is the recipient's insurance policy for the recipient. These three insurance contracts, respective reserve fund transfer timings, transfer amounts, and the like are stored in the gift contract information storage unit (FIG. 4, reference numeral 14) and referred to by the insurance premium gift processing unit (FIG. 4, reference numeral 20). .

Then, in the data processing of the fund transfer processing section, (1) a process of reducing the fund of the donor insurance account,
(2) The process of increasing the reserve fund of the beneficiary insurance account,
(3) Processing to reduce the reserve fund of the beneficiary insurance account,
(4) The process of recording the payment of the insurance premium for the recipient insurance contract is performed. As a result, as a result, the fund of the donor's insurance account is reduced, and the premium is paid to the recipient's insurance of the recipient.

Referring to FIG. 14, in the present embodiment, preferably, the reserve fund movement processing unit 2 in the processing of FIG.
In step 4, the transfer of the reserve fund from the donor insurance account to the donor insurance account and the transfer of the reserve fund from the donor insurance account to the recipient insurance contract are performed at different times.

In the example of FIG. 14, the transfer time of the reserve fund from the donor insurance account to the recipient insurance account is set one week before the insurance premium payment deadline for the recipient insurance contract. Further, the timing of transfer of the reserve fund from the recipient's insurance account to the recipient insurance contract is set to the day before the insurance premium payment deadline.

In order to carry out the processing of FIG. 14, the gift contract information storage unit 14 stores a donor insurance account, a donor insurance account, a recipient insurance contract, and a reserve fund from the donor insurance account to the donor insurance account. The time of movement, the amount of movement, the time of movement of the reserve fund from the recipient's insurance account to the recipient insurance contract, and the amount of movement are stored. The processing of FIG. 14 is performed with reference to these pieces of information.

It is also preferable to store the insurance premium payment deadline date in the gift contract information storage unit 14 and obtain the above two reserve fund transfer timings from the insurance premium payment deadline date. Further, one reserve money transfer time may be stored and the other reserve money transfer time may be obtained from the information.

As described above, the wife (donee) received money from the husband (donor) by shifting the timing of the movement of the reserve fund, and then the insurance money was paid using the money received. Is recorded more clearly. It is more clearly recorded that the husband did not pay his wife's insurance. It is possible to more reliably avoid the recognition that the husband is a substantial contractor. Therefore, it is considered that the movement of the reserve fund can be treated more reliably as the gift of the insurance premium.

FIG. 15 is an example of a flowchart corresponding to the insurance premium giving process shown in FIGS. 13 and 14. The process of FIG. 9 is performed, for example, every day. First, the target contract group selection unit 22 refers to the gift contract information storage unit 14 to obtain a gift contract for which the fund transfer date between insurance accounts has come, and the donor account and the recipient account corresponding to the gift contract. A donor insurance account is selected (S30). Then, the reserve fund is transferred between the selected insurance account groups by the reserve money transfer processing unit 24 (S32). The movement of the reserve fund is recorded in the gift history storage unit 16 by the gift recording processing unit 26 (S34). Then, it is determined whether or not the above processing is performed for all the account combinations for which the reserve fund transfer date has come (S36). If NO, the process returns to S30, and if YES, the process proceeds to S38.

In S38, the target contract group selection unit 22 refers to the gift contract information storage unit 14 to obtain a gift contract from which the fund transfer date from the recipient's insurance account to the recipient insurance contract has come, Select the beneficiary insurance account and the recipient insurance contract that correspond to the gift contract. Then, the reserve fund transfer processing unit 24 transfers the reserve fund from the selected beneficiary insurance account to the recipient insurance contract (S40). The movement of the reserve money is performed by the gift record processing unit 26 by the gift history storage unit 16
(S42). The record of S34 and / or S42 is a record of the insurance premium donation. Then, it is determined whether or not the above-described processing has been performed for all the recipient insurance contracts for which the reserve transfer date to the recipient insurance contract has come (S44). If NO, the process returns to S38 and YES. If so, the process ends.

When the process of FIG. 15 is performed one week before the insurance premium payment deadline of FIG. 14, the reserve fund is transferred from the donor insurance account to the donor insurance account by the processes of S30 to S36. Moving. When the process of FIG. 15 is performed on the day before the insurance premium payment deadline of FIG. 14, the reserve fund is transferred from the beneficiary insurance account to the recipient insurance contract by the processes of S38 to S44. The processing of S30 to S36 and S
The steps 38 to S44 may be performed in the reverse order,
Also, they may be performed concurrently in parallel.

According to the processing of FIG. 15, by the selection processing of S30 and S38, the target contract group selecting section 22 consequently causes the combination of the insurance policy of the donor and the insurance contract of the recipient (one and the other in the present invention. Of insurance contracts). Further, the reserve fund transfer processing unit 24, as a result of the processes of S32 and S40, transfers the reserve fund from the account of the insurance contract of the donor to the insurance contract of the recipient.

Referring to FIG. 16, in the present embodiment, preferably, the reserve fund transfer processing section 24 transfers the reserve fund from the donor insurance account to the recipient insurance account and the recipient insurance account to the recipient. Differentiate from the fund that goes to the insurance contract. Preferably, as shown in FIG. 16, the fund transfer processing unit 24 divides the fund transferred from the donor insurance account to the donor insurance account into a plurality of times and transfers the fund from the donor insurance account to the recipient. Go to insurance contract.

In the example shown in FIG. 16, the reserve fund corresponding to the insurance premium for half a year is transferred from the donor insurance account to the donor insurance account once every six months. Then, every month, a reserve fund corresponding to the monthly premium is transferred from the recipient's insurance account to the recipient insurance contract.

In order to perform the processing of FIG. 16, the gift contract information storage unit 14 stores a donation insurance account, a gift recipient insurance account, a recipient insurance contract, and a reserve fund from the gift donor insurance account to the gift recipient insurance account. The time of movement, the amount of movement, the time of movement of the reserve fund from the recipient's insurance account to the recipient insurance contract, and the amount of movement are stored. The number of transfers of reserves between insurance accounts is set to be smaller than the number of transfers of reserves to a recipient insurance contract, and the transfer date is set accordingly. As a result, the former travel date is once every six months and the latter travel date is once a month. Also,
The amount of fund transfer between insurance accounts is equivalent to six times the amount of fund transfer (insurance premium) to the recipient insurance contract.

The processing of FIG. 16 is performed with reference to such information. Once a half year, the process of subtracting the reserve from the donor insurance account and the process of increasing the reserve of the donor insurance account are performed on the information of each insurance account in the individual insurance contract information storage unit 12. Then, every month, the process of reducing the reserve fund of the beneficiary insurance account and the process of recording the payment of the insurance premium to the recipient insurance contract are also performed on the individual insurance contract information storage unit 12.

According to this embodiment, the wife (donee) receives money from the husband (donor) by performing the above-described processing, and then the insurance money is paid using the money received. Is recorded more clearly. It is more clearly recorded that the husband did not pay his wife's insurance. It is possible to more reliably avoid the recognition that the husband is a substantial contractor. Therefore, it is considered that the movement of the reserve fund can be treated more reliably as the gift of the insurance premium.

The process of moving the reserve fund corresponding to the insurance premium for half a year as shown in FIG. 16 is an example.
Of course, the invention is not limited. For example, to the extent that premiums can be donated, reserves equivalent to multiple years' premiums are transferred between accounts, and the reserves are used for multiple years to pay premiums to the recipient insurance contract. May be performed.

Further, for the insurance on the gift giving side of FIG.
Various types of account-type insurance shown on the donor side in FIGS. 12A to 12D can be applied. In addition, FIG.
The various account-type insurances in (d) may be applied to the account-type insurance on the recipient side in FIG. 13 as long as the premium can be granted. Here, the second stage reserve fund in FIG. The transfer may be a fund transfer between the main contract and the special contract in the account-type insurance having a special contract and special contract (of course,
The relationship between the main contract and the special contract is not an essential requirement, and the funded portion and the guaranteed portion may have an equal or opposite relationship, as described above).

Further modifications and applications of the present embodiment will be described. In the present embodiment, an example is shown in which the income tax is imposed on the maturity insurance money instead of the gift tax, and the inheritance tax is imposed on the death insurance money instead of the income tax.
The present invention is of course applicable to other examples, such as an example where an income tax or an inheritance tax is imposed instead of a gift tax with respect to death insurance money.

The amount of tax levied on the insurance money also changes depending on the size of the insurance money and the like. Therefore, the processing of this embodiment does not have to be applied to all situations. For example, the process of this embodiment is performed when the insurance money is equal to or larger than a predetermined amount. Further, the processing of this embodiment is performed when the tax exceeds a predetermined amount. As can be seen in these examples, within the scope of the present invention, the processing of the above embodiments may not apply to all situations, i.e. to some situations.

Further, the present embodiment is based on the tax type currently imposed on insurance money, and on the basis of the size of tax between tax types under the present situation. When there is a change in the tax system, for example, the type of tax changes, the magnitude relationship between tax types changes, or both of them occur, the present embodiment should be modified according to such changes. Of course.

Furthermore, depending on the conditions of the contract, the size relationship of the tax amount may differ between tax types. For example,
In some insurance money X, the tax of the tax type A is smaller than the tax of the tax type B, but in some insurance money Y, the tax of the tax type A is larger than the tax of the tax type B, which may cause a reversal phenomenon. . In order to deal with such a phenomenon, the contractor is set so that the tax amount is reasonably low according to the condition (insurance and / or other appropriate condition) of different magnitude relationship, and the corresponding processing is performed. It is preferable to modify this embodiment so that

Further, the present invention performs data processing related to life insurance contracts, insurance premium donation contracts, and taxes imposed on insurance money. However, when carrying out the present invention, laws such as life insurance and taxes are applied. It goes without saying that the present invention should be carried out in accordance with regulations and regulations.

[0096]

As described above, according to the present invention, the window function of the account type insurance is utilized to transfer the reserve fund of the account to the insurance of another contractor, and the movement is insured. It is recorded as a gift. By such processing, in the present invention, unlike the case where the conventional account use is limited to the same contractor, it is possible to use the account-type insurance window function to pay the insurance premiums of other contractors such as family members. I am trying. By setting the policyholders to be other than the account-type insurance policyholders, it is possible to impose an appropriate tax on the insurance money, such as income tax rather than gift tax. Thus, according to the present invention, account-type insurance can be used by considering not only the contractor himself but also related persons such as family members, and the taxation form is advantageous to the customer.

Further, according to the present invention, by outputting the insurance premium donation history, the output gift history is usefully used to indicate that the insurance premium was donated.

Further, according to the present invention, the fund transfer between the donor insurance account and the beneficiary insurance account and the fund transfer from the beneficiary insurance account to the insurance contract of the recipient are performed. So, as already mentioned, the movement of the reserve fund is more reliable,
Can be treated as a gift of insurance.

Further, according to the present invention, by the processing related to the notification of the insurance premium donation contract, it is possible to perform the effective processing because the appropriate insurance gift can be more surely recognized as already described. , More surely a reasonable tax will be applied.

Further, by performing the above-mentioned notification-related processing, the inconvenient work of the policyholder can be reduced, and the policyholder can easily carry out appropriate insurance premium donation.

[Brief description of drawings]

FIG. 1 is a diagram showing an example of life insurance having an account in which a reserve fund can be taken out.

FIG. 2 is a diagram showing a state where endowment insurance for a contractor's family is set in the insurance special provision of FIG. 2;

FIG. 3 is a diagram showing a relationship between a contractor, an insured person, and a payee, and tax types when receiving insurance money.

FIG. 4 is a functional block diagram showing an insurance information processing apparatus according to an embodiment of the present invention.

5 is a diagram showing information stored in a gift contract information storage unit of FIG.

FIG. 6 is a diagram showing a preferred combination example of the insurance contracts of the gift giving source and the gift giving destination of FIG. 5;

FIG. 7 is a diagram showing a state where endowment insurance for a contractor's family is set as a contract for account-type insurance.

8 is a diagram showing information stored in a gift history storage unit of FIG.

9 is a flowchart showing a process related to insurance gift giving by the apparatus of FIG. 4. FIG.

10 is a flowchart showing a process for confirming a gift contract renewal by the apparatus of FIG.

FIG. 11 is a diagram showing a modification of the insurance contract information database.

FIG. 12 is a diagram showing another example of the insurance premium giving process according to the present invention.

FIG. 13 is a diagram showing a two-step reserve fund transfer process as another example of the insurance premium giving process according to the present invention.

FIG. 14 is a diagram showing two offset reserve movement timings in the process of FIG.

FIG. 15 is a flowchart showing a gift giving process corresponding to FIGS. 13 and 14;

FIG. 16 is a diagram showing a preferred process for changing the two-stage reserve fund transfer amount in FIG. 13;

[Explanation of symbols]

1 Information processing equipment for insurance 10 insurance contract information database 12 Individual insurance contract information storage unit 14 Gift contract information storage section 16 Gift history storage 20 Insurance Gift Processing Department 22 Target contract group selection section 24 Reserve fund transfer processing unit 26 Gift Record Processing Department 30 Gift history output processing unit 40 Gift Notification Processing Unit 42 Notification target selection section 44 Notification output processing unit 46 Notification recording processing unit 48 Notification reaction information acquisition unit 50 Notification reaction record processing unit

Claims (22)

[Claims] 1. A set of insurance contract information storage means for storing information on insurance contracts with a plurality of policyholders, and an insurance contract among a plurality of insurance contracts stored in the insurance contract information storage means. , One insurance contract,
Taxes applicable to the insurance policy of the other insurance contract at the time of receipt of insurance money, compared with the policyholder of the other insurance contract In a set of insurance contracts in which the policyholders are different so that the type is a low-priced type, the reserve fund transfer means for moving the reserve fund of the insurance account of the one insurance contract to the other insurance contract, and the reserve fund A gift recording means for recording an insurance premium donation in which the one of the insurance contract holders is the donor and the other insurance contract holder is the recipient when the money transfer means transfers the reserve; An information processing apparatus for insurance, characterized in that it includes. 2. The insurance information processing apparatus according to claim 1, further comprising: a gift history output means for outputting a history of insurance premium gifts recorded by the gift recording means. . 3. The insurance information processing apparatus according to claim 1, wherein the fund transfer means transfers the fund of the donor insurance account held by the one insurance contract to the contract of the other insurance contract. An information processing apparatus for insurance, characterized in that the information processing apparatus moves to a recipient's insurance account related to a person and moves from the recipient's insurance account to the other insurance contract. 4. The insurance information processing apparatus according to claim 3, wherein the fund transfer means transfers the fund from the donor insurance account to the donor insurance account, and the donor insurance. An insurance information processing apparatus, wherein the transfer of the reserve fund from the account to the other insurance contract is performed at different times. 5. The insurance information processing apparatus according to claim 3, wherein the fund transfer means transfers a fund from the donor insurance account to the donor insurance account, and the donor. An insurance information processing apparatus, wherein a reserve fund transferred from an insurance account to the other insurance contract is different. 6. The insurance information processing apparatus according to claim 5, wherein the fund transfer means divides the fund transferred from the donor insurance account to the recipient insurance account into a plurality of times,
An information processing apparatus for insurance, characterized by moving from the recipient's insurance account to the other insurance contract. 7. A set of insurance contract information storage means for storing information on insurance contracts with a plurality of policyholders, and an insurance contract among a plurality of insurance contracts stored in the insurance contract information storage means. , One insurance contract,
Taxes applicable to the insurance policy of the other insurance contract at the time of receipt of insurance money, compared with the policyholder of the other insurance contract Regarding a set of insurance contracts whose policyholders are different so that the type is a low-priced type, at least one policyholder is notified from the policyholder of the one insurance policy to the policyholder of the other insurance policy at a predetermined notification time A notification recording means for recording that the notification of the insurance premium donation is issued to the insurance contract, and one of the one of the one of the insurance contract groups requiring the insurance gift donation according to the reaction to the notification of the insurance premium donation. An insurance information processing apparatus, comprising: a reserve transfer means for moving a reserve of an insurance account of an insurance contract to the other insurance contract. 8. An insurance computer information processing method for processing information on insurance having an account from which a fund can be withdrawn, which is a set of insurance contracts among insurance contracts with a plurality of policyholders. The insurance contract has an insurance account from which the fund can be withdrawn, and for the other insurance contract, it is better if the policyholder of the other insurance contract contracts when receiving the insurance money than the policyholder of the other insurance contract. In the set of insurance contracts in which the policyholders are different so that the applicable tax type is a low-priced type, the fund transfer step of transferring the fund of the insurance account of the one insurance contract to the other insurance contract. And a gift record recording an insurance premium donation in which the policyholder of the one insurance contract is the donor and the policyholder of the other insurance contract is the recipient when the fund is transferred in the fund transfer step. Su Insurance for computer information processing method which is characterized in that it comprises Tsu and up, the. 9. The insurance computer information processing method according to claim 8, further comprising: a gift history output step of outputting a history of insurance premium gifts recorded by the gift recording step. Processing method. 10. The insurance computer information processing method according to claim 8 or 9, wherein in the step of transferring the reserve fund, the reserve fund of a donor insurance account held by the one insurance contract is transferred to the other insurance contract. A computer information processing method for insurance, comprising: moving to a recipient's insurance account associated with a contractor, and moving from the recipient's insurance account to the other insurance contract. 11. The insurance computer information processing method according to claim 10, wherein the fund transfer step comprises transferring a fund from the donor insurance account to the giftee insurance account, and the giftee. A computer information processing method for insurance, characterized in that the fund transfer from the insurance account to the other insurance contract is performed at different times. 12. The insurance computer information processing method according to claim 10, wherein the fund transfer step comprises a bank transfer from the donor insurance account to the donor insurance account, and the gift recipient. From the personal insurance account to the other insurance contract,
A computer information processing method for insurance, characterized in that: 13. The insurance computer information processing method according to claim 12, wherein the fund transfer step divides the fund transferred from the donor insurance account to the recipient insurance account into a plurality of times. A computer information processing method for insurance, comprising: moving from the recipient's insurance account to the other insurance contract. 14. An insurance computer information processing method for processing information on insurance having an account from which a fund can be withdrawn, which is a set of insurance contracts among insurance contracts with a plurality of policyholders. The insurance contract has an insurance account from which the fund can be withdrawn, and for the other insurance contract, the policyholder of the other insurance contract is more Regarding a set of insurance contracts in which the policyholders are different so that the applicable tax type is low, at least one policyholder is notified from the policyholder of the one insurance policy to the insurance policy of the other at a predetermined notification time. Between the notification recording step that records the notification of the insurance premium donation to the policyholder of the contract and the set of insurance contracts that require the insurance premium donation according to the reaction to the notification of the insurance premium donation. , One of the above Insurance computer information processing method characterized by comprising the reserves moving step of the reserves of the insurance accounts policyholder has moved to the other insurance contracts, the. 15. A computer-executable program for causing a computer to perform information processing regarding insurance having an account from which a fund can be withdrawn, the insurance contract being an insurance contract with a plurality of policyholders. , One of the insurance contracts has an insurance account from which the fund can be withdrawn, and the other insurance contract has a policyholder of the other insurance contract as compared with a policyholder of the other insurance contract. In a set of insurance contracts where the contractor has different policyholders so that the tax type applied at the time of receipt of insurance money is low, the reserve for the insurance account of the one insurance contract is the other insurance contract. And a step of moving the reserve in the reserve transfer step, the contractor of the one insurance contract is the donor and the contractor of the other insurance contract is the recipient. A program characterized by executing a gift recording step of recording the premium gifts, the processing including the computer. 16. The program according to claim 15, further causing a computer to execute a gift history output step of outputting a history of insurance gifts recorded by the gift recording step. 17. The program according to claim 15, wherein in the fund transfer step, the fund of the donor insurance account of the one insurance contract is associated with a contractor of the other insurance contract. A program for causing a computer to perform a process of moving to a beneficiary insurance account and moving from the donor's insurance account to the other insurance contract. 18. The program according to claim 17, wherein in the fund transfer step, transfer of fund from the donor insurance account to the donor insurance account, and from the donor insurance account to the other one. A program characterized by causing a computer to perform a process of performing the transfer of the reserve fund to the insurance contract at the different time. 19. The program according to claim 17 or 18, wherein, in the fund transfer step, a fund to be transferred from the donor insurance account to the donor insurance account and the donor insurance account is transferred from the donor insurance account. A program that causes a computer to perform processing different from the reserve fund transferred to the other insurance contract. 20. The program according to claim 19, wherein in the fund transfer step, the fund transferred from the donor insurance account to the donor insurance account is divided into a plurality of times, and the gift recipient is divided. A program for causing a computer to perform a process of moving from an insurance account to the other insurance contract. 21. A computer-executable program for causing a computer to perform information processing regarding insurance having an account from which a fund can be withdrawn, the insurance contract being an insurance contract among a plurality of policyholders. , One of the insurance contracts has an insurance account from which the fund can be withdrawn, and the other insurance contract has a policyholder of the other insurance contract as compared with a policyholder of the other insurance contract. Regarding the set of insurance contracts in which the contractor has different policyholders so that the tax type applied at the time of receipt of insurance is a low-priced type, at least one policyholder, at a predetermined notification time, one of the insurance contracts Notification recording step of recording that the policyholder of the other has notified the policyholder of the other insurance contract of the insurance premium donation, and the insurance premium donation is requested in response to the response to the notification of the insurance premium donation. To be A program for causing a computer to execute a process including: a reserve transfer step of transferring a reserve of an insurance account held by the one insurance contract to the other insurance contract between a pair of insurance contracts. . 22. A computer-readable recording medium that stores the program according to any one of claims 15 to 21.