JP2003044677A - Building combined insurance system, program realizing function of the system and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a complete set of various insurance products able to be provided to clients for collection units in which a plurality of organizations and a plurality of persons of a building live. SOLUTION: A building combined insurance system manages insurance product information and insurance information of contractors and can provide combined services concerning insurance of introduction of the insurance products to contract performance, maintenance management and a help disk service or the like by accessing server device 11 from terminal devices 20, 21 and 22 provided with a web browser. Users regard the insurance service providers as an unitary window, receive service provision concerning the combined insurance product, and efficient insurance management having high usability can be performed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a comprehensive insurance system for buildings, a program for realizing the functions of the system, and a recording medium. On the other hand, it is a system that can provide all kinds of insurance products to customers, and introduces products, plans and estimates using a computer system for facilities such as buildings, services, and individuals. The present invention relates to a comprehensive insurance system that can centrally perform contracts, management of contract products, proposals for changes in insurance content, and the like.

[0002]

2. Description of the Related Art The deregulation of the insurance industry has progressed, the barriers for insurance products handled by insurance companies have disappeared, and free competition between insurance companies has been promoted. Under such circumstances, insurance is planned and sold according to various insured objects.

[0003] For example, when considering a building in which a plurality of tenants are occupying or a building occupied by a single company or organization, goods and services related to the building, and individuals and groups entering and leaving the building. About, various kinds of insurance are sold. For example, various types of insurance such as fire insurance, theft insurance, glass insurance, business property comprehensive insurance, etc. related to buildings, equipment and movable property; various types of automobile insurance for companies; construction work insurance, civil engineering work insurance, etc. Related insurance: Damage insurance, facility owner liability insurance; product liability insurance (PL), store liability insurance, etc.
Insurance related to various operating expenses and profits such as business continuation cost insurance; various types of work accident insurance.

Further, as life insurance, general insurance for individuals such as whole life insurance, endowment insurance, term insurance, income guarantee insurance, whole life / endowment insurance with term insurance contract, and insurance for individuals belonging to a company Group term insurance and general welfare group term insurance are sold.

[0005]

In the case of insurance as described above for a building, which is a collective unit in which multiple organizations and multiple employees live, the insurance company will be provided with the above non-life insurance and life insurance. There is a lineup, and it is possible to select each product and take out insurance, but using the computer system for the above-mentioned building-based facilities, services, and individuals, product introduction, plan creation In addition, a system that can provide comprehensive insurance services to building managers and building occupants by centrally performing estimates, contracts, management of contract products, proposals for changes in insurance content, etc. is immature. In many cases, building managers and tenants who are insurance products sellers and insured persons, such as insurance companies,
The reality is that many insurance companies are forced to perform complicated and irrational management by purchasing insurance products.

[0006] The present invention has been made in view of the above-mentioned circumstances. For example, for a set unit in which a plurality of organizations such as a building and a plurality of employees live, various insurance products are available to customers. It is a system that can be provided by using a computer system for facilities such as buildings, services and individuals, product introduction, plan creation and quotation, contract, contract product management, insurance content change proposal, By providing a comprehensive insurance service for building managers and building occupants by centrally performing the above, a comprehensive building insurance system, a program and a recording medium for realizing the functions of the system are provided. The purpose is to do.

[0007]

According to the present invention, there is provided a server device for performing a process for providing a comprehensive insurance service for a facility and a resident of a building, and a user instructs the server device to perform the processing. A building comprehensive insurance system capable of receiving the comprehensive insurance service by connecting from a terminal device via a network,
The server device has insurance information D that holds insurance product information.
B and a customer information DB that holds customer attributes and insurance information related to the customer are managed, and data of the insurance information DB and the customer information DB are used for access from the terminal device, from introduction of insurance products to contract By providing comprehensive building insurance services related to performance and maintenance,
The user is characterized in that the service provider who operates the server device serves as a central window to receive services for all insurance products.

According to a second aspect of the invention, in the first aspect of the invention, the server device is configured to be connectable from a terminal device via a Web system.

According to a third aspect of the present invention, in the first or second aspect of the invention, an operator inside the service provider who is permitted to access by predetermined authentication information is connected to the in-house network of the service provider. It is characterized in that the information in the insurance information DB and / or the customer DB can be browsed / operated by connecting to the server device using a terminal device.

According to a fourth aspect of the invention, in the second or third aspect of the invention, the W from the terminal device for the server device is used.
Regarding access through the eb system, it is possible to configure predetermined insurance information as a home page and set it to be freely viewable by a browser, or to permit access only to a specific operator by a predetermined authentication means. It is a feature.

A fifth aspect of the present invention is the invention of any one of the first to fourth aspects, in which insurance product information relating to life insurance and non-life insurance, and sales manual information and a presentation screen for an insurance agent to conduct business negotiations. It is characterized by having insurance information registration means for registering information data in the insurance information DB.

According to a sixth aspect of the present invention, in any one of the first to fifth aspects of the invention, the customer DB is searched based on the input of the browsing request information from the user's operation terminal device,
It is characterized by having an insurance management information browsing processing means capable of presenting a list of insurance products currently contracted by the user.

According to a seventh aspect of the present invention, in the first aspect of the present invention, the insurance information DB is referred to according to the conditions input from the terminal device, and the insurance content such as the amount of insurance and the insurance period is shown. It is characterized by having a security plan creating means for creating one or more security plans and presenting them to the terminal device.

According to the invention of claim 8, in the invention of claim 7, insurance for making an online contract for an insurance product corresponding to a plan selected by the user from the guarantee plans presented by the guarantee plan creating means. It is characterized by having a contract application means.

The invention of claim 9 is characterized in that, in the invention of claim 8, the insurance contract application means has a security function by mutual authentication employing a digital signature and encrypted communication.

According to a tenth aspect of the invention, in the invention according to any one of the first to ninth aspects, when the user wants to have a business negotiation while actually having an interview with a person in charge of insurance business, the user operates the terminal device. It is characterized by having a sales staff interview requesting means for performing a process of dispatching a sales staff of an insurance company to the customer by inputting an instruction.

The invention of claim 11 relates to claims 1 to 10.
In any one of the inventions, there is provided a help disk means for receiving a question or inquiry concerning insurance from the user, the help disk means being provided when the user clicks a help disk button displayed on the terminal device of the user. In addition, the server device has a function of notifying the operator of the call center of the information so that the operator can call back to the user to hear the situation.

The twelfth aspect of the present invention includes the first to eleventh aspects.
In any one of the inventions described above, the customer's contracted insurance is monitored with reference to the customer DB, and a new insurance product is proposed.
It is characterized by having a contract insurance monitoring means for generating new proposal information regarding insurance including upgrading of insurance, switching to another insurance product, or integration of overlapping insurance.

The thirteenth aspect of the present invention includes the first to twelfth aspects.
In any one of the inventions described above, there is provided an insurance change / cancellation means for accepting an instruction input of an insurance change request / cancellation request from a user's operation terminal device and changing / cancelling the applicable insurance contract content. It is what

The invention of claim 14 relates to claims 1 to 13.
In any one of the inventions 1 to 3, when the sales representative of the service provider conducts a business negotiation with the customer, the insurance information D
It is characterized by having a sales manual presentation means for displaying the sales manual information held by B on the operation terminal device of the sales staff member.

[0021] According to a fifteenth aspect of the present invention, in the invention of the fourteenth aspect, the sales manual presenting means provides the sales terminal person's operation terminal device with the presentation screen information which enables the customer to directly talk while showing the screen. It is characterized by having a function to be provided.

The invention of claim 16 is based on claims 1 to 15.
In any one of the inventions described above, when the sales representative of the service provider who carries the terminal device makes a business negotiation at the customer using the display screen of the terminal device, the sales representative displays the operation terminal device of the sales representative. Screen is simultaneously displayed on the terminal device of the service provider's internal network, and further, the interaction between the sales person and the customer is input as voice to the operation terminal device of the sales person and output on the terminal device of the internal network. By doing so, the operator of the terminal device of the in-house network has a business negotiation status remote display means that allows the operator to confirm the status of the business negotiation.

According to a seventeenth aspect of the present invention, in the sixteenth aspect of the present invention, the business negotiation status remote display means is capable of transmitting a business negotiation instruction in real time from the internal terminal device to the operation terminal device of the sales person. It is characterized by having done.

The invention of claim 18 is based on the invention of claim 17, wherein the insurance information registration means, the insurance management information browsing processing means, the insurance plan creating means, the insurance contract application means, and the sales staff interview requesting means Software for realizing the functions of the help disk means, the contract insurance monitoring means, the insurance change / cancellation means, and the sales manual presenting means are stored in the server device. Is.

The invention of claim 19 is the invention of claim 17, wherein the insurance information registration means, the insurance management information browsing processing means, the insurance plan creating means, the insurance contract application means, and the sales staff interview requesting means. , The help disk means, the contract insurance monitoring means, the insurance change / cancellation means, and / or the software that realizes the functions of the sales manual presenting means are distributed between the server device and the terminal device. It is characterized by being held in a mold.

[0026] The invention of claim 20 is based on claims 1 to 19.
It is a program for realizing the function of the building comprehensive insurance system described in any one of 1.

The invention of claim 21 is a recording medium on which the program according to claim 20 is recorded.

[0028]

BEST MODE FOR CARRYING OUT THE INVENTION According to the building comprehensive insurance system of the present invention, insurance product information and policyholder insurance information are managed by a computer system operated by a service provider,
For example, by accessing the computer system from a terminal device equipped with a Web browser, it is possible to provide comprehensive services related to insurance such as introduction of insurance products, fulfillment of contracts, maintenance, and help disk service. The user can receive services for all insurance products by using the insurance service provider as a central window, and can perform convenient and efficient insurance management.

FIG. 1 is a diagram conceptually showing a system configuration for explaining an embodiment of the comprehensive building insurance system of the present invention. The insurance company 10 has a server device 11 and a terminal device (mobile notebook P via the Internet 30).
C20, desktop PC 21, mobile phone 22, etc.). Note that the terminal device is not limited to the example shown in FIG. 1 as long as it is a device capable of connecting to the Internet. At present, the content data for PC and the content data for mobile phone are generated as different data, but in the present invention, it is assumed that the corresponding terminal device appropriately accesses according to the content data generated by the service provider. .

The server device 11 has an insurance information DB 12 which is a DB for holding information on insurance products and presentation data for business negotiations, and a customer DB 13 for holding customer attributes, contract contents, history information of sales activities and the like. is doing. It should be noted that these DBs 12 and 13 may be arranged at locations accessible from the processing system of the server device.

The insurance company 10 has an in-house LAN installed,
The terminal device 15 in the company is networked. From the in-house terminal device 15, the customer DB 13 and the insurance information DB
Twelve pieces of information can be browsed or operated. In general, viewing or operation of these DB files is permitted only to a specific user such as an operator in a specific position or position by managing with authentication information such as an ID and a password. Further, in the example shown in FIG. 1, the insurance company 10 has a call center 14 that functions as a help window from the user.
Is installed.

W from the terminal device in the server device 11
Regarding access permission via eb, multimedia contents of predetermined insurance information may be configured as a homepage and set to be freely viewable by a browser, and access to only specific operators such as insurance salespersons You may make it add the authentication means which permits.

The server device 11 can present various information held in the insurance information DB 12 to the terminal device in response to an instruction input from the accessed terminal device. Further, customer attribute information and contracted insurance information are accumulated in the customer DB 13. A terminal device such as a mobile PC is carried by, for example, a diplomat of an insurance company, and visits a customer such as an office manager to visit the insurance information DB 12 from the terminal device.
By reading the information of, the product description and the created security plan can be presented.

FIG. 2 is a diagram for explaining an example of functions relating to the present invention set in the server device and the terminal device having the configuration shown in FIG. A web browser for accessing the server device via the Internet is installed in a terminal device having physical means capable of connecting to the server device via the Internet.

In the server device, health management information browsing processing means, insurance information registration means, insurance plan creation means, insurance contract application means, sales staff interview request means, help disk means, contract insurance monitoring means, insurance change / cancellation. Functional means such as a means, a sales manual presenting means, a business negotiation status remote display means, and an insurance information DB and a customer information DB are provided.

The insurance information DB stores insurance product information relating to life insurance and non-life insurance, and service providers such as insurance companies can register various insurance product information by means of insurance information registration means. The insurance management information browsing processing means can present a list of insurance products currently contracted by the user by searching the customer DB based on the browsing request from the user. With this function, the user can check the insurance that he / she has at any time. Further, the insurance information registration means stores sales manual information and presentation screen information, which are used when a sales representative of an insurance company has a business negotiation with the customer, in the health information DB. In addition, the customer DB stores customer attributes, contract details,
Holds history information of sales activities.

The guarantee plan creating means refers to the insurance information DB in accordance with the conditions input from the terminal device, creates a guarantee plan indicating the insurance content such as the amount of insurance and the insurance period, and presents it to the terminal device. At this time, if there are a plurality of insurance products that meet the input conditions, all the insurance products are presented.

The insurance contract application means is a means for making an online contract for an insurance product corresponding to the plan selected by the user from the presented insurance plans. That is, by using the insurance contract application means,
A user can execute an online contract for an insurance product on the Web. In the online contract, it is indispensable to add a security function, but a publicly known security technique such as mutual authentication using digital signature and encrypted communication can be applied.

The sales staff interview requesting means allows the service provider to dispatch the sales staff by inputting an instruction from the terminal device when the user wants to have a business talk while actually having an interview with the sales staff. Is a means of doing so.

The help disk means functions as a window for accepting questions and inquiries about insurance from the user. For example, when the user clicks the help disk button displayed on the terminal device, the server device prompts the operator. The information is posted and the operator calls back to the user to hear the situation. In addition, since insurance companies generally have call centers,
It is also possible to notify the call center of the help information from the above help disk means and call back from the call center.

The contract insurance monitoring means monitors a customer's contracted insurance, proposes a new insurance product, upgrades the insurance or switches to another insurance product, integrates overlapping insurances, etc. Generate proposal information. The generated information is transmitted to the customer's terminal device by e-mail or to the operation terminal of the sales representative in charge of the customer. If the customer confirms the proposal information, he / she can open the corresponding product introduction page to check the insurance content if he / she is interested, and can request the opportunity for the sales person to explain by the sales person interview request means. . Further, the sales representative can carry out a sales activity to the customer by the new proposal information.

The insurance change / cancellation means is means for accepting an instruction input of a request for change or cancellation request from the user to the insurance contract content from the terminal device, and changing or canceling the corresponding insurance contract content.

The sales manual presenting means is a terminal device that the sales representative carries with him the sales manual information held in the insurance information DB when the sales representative of the insurance company or the like conducts a business negotiation with the customer as described above. The sales representative can proceed with the business negotiation with the customer in an interactive manner according to the display screen of the sales manual information. By using such a function, the sales representative can inform the customer without leaking information that should be presented or publicized in the business negotiation, and even if the salesperson has little experience or is a veteran salesperson, a uniform business negotiation is possible. Will be able to do. Further, the sales manual presenting means may provide not the sales manual information, but the presentation terminal screen information for the sales representative who can have a direct business negotiation while showing the screen to the customer.

Further, when the sales representative of the insurance company carrying the mobile terminal device conducts a business negotiation at the customer using the display screen of the mobile terminal device, the sales partner remote display means displays the business negotiation status remote display means. The screen displayed on the terminal device is displayed on the terminal device 15 of the in-house network at the same time, and further, the communication between the sales representative and the customer is input by voice through the mobile terminal device, and is output by the terminal device 15 within the company by voice output. It makes it possible to check the situation. By executing such a function on the operation terminal of the boss of the diplomat, it can be an effective management means in particularly important business negotiations. Further, at this time, by allowing the operation terminal side of the boss to transmit an instruction regarding the business negotiation to the operation terminal device of the sales representative in real time, the business negotiation can be advanced more effectively.

FIG. 3 is a view showing an example of an insurance product introduction display screen in the building comprehensive insurance system according to the present invention. In the terminal device, first access the server device of a service provider such as an insurance company via the Internet,
You can open the product introduction screen. As described above, according to the comprehensive insurance system for a building of the present invention, it is possible to provide all the insurances related to the facilities of the building and the occupants and to centrally manage the insurances. As shown in FIG. Introductory materials for insurance products can be opened appropriately according to the product lineup.

In the example shown in FIG. 3, the following insurance is lined up as office building comprehensive insurance.
That is, as the corporate liability insurance 41, general liability insurance for construction companies, liability insurance for products, automobile liability insurance for automobile managers, liability insurance for environmental pollution, product quality insurance, liability insurance for facility owners are sold and closed. In relation to the compensation 42, store downtime insurance, profit insurance, business continuity expense insurance are sold, and as to the property preservation 43, fire insurance, earthquake insurance special contract, comprehensive store insurance, comprehensive property insurance, and overseas travel insurance are sold. Further, as the technology-related item 44, construction work insurance, assembly insurance, and machine insurance are sold.

Furthermore, various types of life insurance 45, automobile insurance 46, and personal liability insurance 47 are sold, and as personal accident insurance 48, ordinary accident insurance, family accident insurance, road accident accident insurance, and income compensation insurance are sold. ing.

Of course, the example shown in FIG. 3 shows an example of an insurance product sold by the general insurance system for offices, and various planned products can be sold as long as they are insurance products related to facilities and people in the office. It is also possible to sell all insurance products, such as insurance products that are sold to individuals for each purpose, as an all-in-one product group.

By clicking on each insurance item shown in FIG. 3, a screen showing details of each insurance item opens, and the user can examine the insurance contents. Further, by inputting the desired conditions of the user such as the insurance target, insurance premium, insurance amount, and insurance period, insurance products that meet the conditions are listed and presented. The list of insurance products is
It is executed by the guarantee plan creating means shown in FIG. The contract can be exchanged with the sales staff by the user requesting the interview by the sales staff of the insurance company using the sales staff interview request means of the server device. Also, an online contract can be made using the online contract screen by the insurance contract application means. The screen for providing the server device relating to the introduction and contract of each insurance can be created in the same form as that currently introduced on various websites of insurance companies.

FIG. 4 shows the contract processing (P1), contract monitoring processing (P2), browsing acceptance processing (P3), change cancellation processing (P4), help disk processing as the main processing in the building comprehensive insurance system of the present invention. It is a figure for demonstrating (P5) and a sales manual browsing process (P6).

In the contract processing (P1), the server device first presents a product menu in response to an instruction input from the user, and accepts the input of conditions. And insurance information DB1
2, the guarantee plan is created and presented to the user's terminal device, and if the user makes a contract from this, the contract application by the terminal device from the user is accepted. Then, contract processing is performed and contract information is registered in the customer DB 13.

In the contract monitoring process (P2), the server device of the service provider such as the insurance company monitors the customer DB 13, extracts the insurance information of the overlapping insurance or the insurance to be rationalized, and cancels / changes it. Proposal information such as is generated and presented. When the user cancels or changes, the contract application is accepted and the contract processing is performed as in the contract processing (P1), and the contract information is registered in the customer DB 13.

In the browsing acceptance process (P3), the server device accepts a browsing request from the user's terminal device, searches the customer DB 13, generates browsing information from the search result, and presents it to the user's terminal device. Change cancellation processing (P4)
, Accepts a change / cancellation request from the user's terminal device, performs change / cancellation processing, and outputs the result to customer D.
Register in B13.

In the help disk processing (P5),
It accepts help input from the user's terminal device and reports the information to the call center. The call center calls back the user according to the help information. In the sales manual browsing process (P6),
For example, a sales manual browsing request is received from an operation terminal such as a salesperson of an insurance company, and the sales manual data is transmitted to and presented to the terminal device with reference to the insurance information DB. In this case, the process of presenting the presentation screen information instead of browsing the manual information may be similarly performed.

In the embodiment as described above,
Various functions provided in the server device may be dispersed and held on the terminal device side. In this case, the terminal device side holds the software for that purpose. Further, it is possible to rent software for realizing the present invention, which is included in the server device, to a contract user, and to perform a so-called ASP business in which the terminal of the contract user makes it available to the browser.

An embodiment of a recording medium storing a program and data for realizing the insurance contract support function according to the present invention will be described. The program is held in the server device of the service provider as described above.
The terminal devices of the user and the constituent terminals of the LAN of the service provider may be distributed and held. Specific examples of the recording medium include a CD-ROM, a magneto-optical disk, a DVD-ROM, an FD, a flash memory, a memory card, a memory stick, and various other ROMs and Rs.
AM or the like can be assumed, and by causing these computers to execute the functions of the system of each of the embodiments of the present invention described above and recording and distributing a program for realizing the functions of the building comprehensive insurance system, Make it easy to realize the function. Then, the recording medium as described above is attached to an information processing device such as a computer and the program is read by the information processing device, or the program is stored in a storage medium included in the information processing device.
The function of the building comprehensive insurance system according to the present invention can be realized by reading out as needed.

[0057]

According to the building comprehensive insurance system of the present invention, insurance product information and policyholder insurance information are managed by a computer system operated by a service provider, and the computer system is operated from a terminal device equipped with a Web browser, for example. You can access comprehensive services related to insurance such as introduction of insurance products, fulfillment of contracts, maintenance, and help disk service by accessing. The user can receive services for all insurance products by using the insurance service provider as a central window, and can perform convenient and efficient insurance management.

According to the present invention, an insurance agent can use the portable terminal device to comprehensively provide various insurances to the insurance contract target person or the insurance policy contractor while interacting with the insurance contract target person or the insurance contract person. It is possible to provide the insurance contracts easily and facilitate the procedure of the insurance contract, and it is possible for the existing insurance policyholder to clearly understand the contract details and to make the insurance contract without waste.

[Brief description of drawings]

FIG. 1 is a diagram conceptually showing a system configuration for explaining an embodiment of a comprehensive building insurance system of the present invention.

FIG. 2 is a diagram for explaining an example of functions related to the present invention set in the server device and the terminal device according to the configuration shown in FIG.

FIG. 3 is a diagram showing an example of an introduction display screen of insurance products in the building comprehensive insurance system according to the present invention.

FIG. 4 is a diagram for explaining contract processing, contract monitoring processing, browsing acceptance processing, change cancellation processing, help disk processing, and sales manual browsing processing as main processing in the building comprehensive insurance system of the present invention.

[Explanation of symbols]

10 ... Insurance company, 11 ... Server device, 12 ... Insurance information D
B, 13 ... Customer DB, 14 ... Call center, 15 ... Terminal device, 20 ... Mobile notebook PC, 21 ... Desktop PC, 22 ... Mobile phone, 30 ... Internet, 41 ...
Corporate liability insurance, 42 ... Leave compensation, 43 ... Property preservation, 44
… Technology related, 45… Life insurance, 46… Auto insurance, 47
... Personal liability insurance, 48 ... Personal accident insurance, P1 ... Contract processing, P2 ... Contract monitoring processing, P3 ... View acceptance processing, P4
… Change cancellation processing, P5… Help disk processing, P6… Sales manual browsing processing.

Claims (21)

[Claims] 1. A server device for performing a process for providing a comprehensive insurance service for a building facility and a resident, and a user connecting to the server device from a terminal device via a network. A building comprehensive insurance system capable of receiving the comprehensive insurance service, wherein the server device includes an insurance information DB holding insurance product information, customer attributes, and customer information holding customer-related insurance information. DB and manages the insurance information DB and customer information D for access from the terminal device.
By making it possible to provide a comprehensive building insurance service related to introduction of insurance products, fulfillment of contracts, and maintenance using the data of B, the user can use the service provider who operates the server device as a central window. , A comprehensive building insurance system, which is characterized by being able to receive service provision for all insurance products. 2. The comprehensive building insurance system according to claim 1, wherein the server device is configured to be connectable from a terminal device via a Web system. 3. The building comprehensive insurance system according to claim 1 or 2, wherein an operator inside the service provider who is permitted to access by predetermined authentication information is connected to an internal network of the service provider. A building comprehensive insurance system characterized in that information on the insurance information DB and / or customer DB can be browsed / operated by connecting to the server device using a terminal device. 4. The building comprehensive insurance system according to claim 2 or 3, wherein regarding the access from the terminal device to the server device via the Web system, predetermined insurance information is configured as a homepage and freely browsed by a browser. A building comprehensive insurance system characterized in that access is permitted only to a specific operator by enabling the setting or by a predetermined authentication means. 5. The building comprehensive insurance system according to any one of claims 1 to 4, wherein insurance product information regarding life insurance and non-life insurance, and sales manual information and a presentation screen for an insurance agent to conduct business negotiations. A comprehensive insurance system for buildings, comprising insurance information registration means for registering information data in the insurance information DB. 6. The building comprehensive insurance system according to claim 1, wherein the customer DB is searched based on input of browsing request information from a user's operation terminal device, and the user currently contracts. A comprehensive insurance system for a building, comprising an insurance management information browsing processing means capable of presenting a list of insurance products in operation. 7. The building comprehensive insurance system according to any one of claims 1 to 6, wherein the insurance information DB is referred to according to a condition input from a terminal device to show insurance content such as an amount of insurance and an insurance period. A comprehensive building insurance system having a security plan creating means for creating one or a plurality of security plans and presenting them to the terminal device. 8. The building comprehensive insurance system according to claim 7, wherein an insurance for making an online contract for an insurance product corresponding to a plan selected by the user from the guarantee plans presented by the guarantee plan creating means. A comprehensive building insurance system characterized by having a contract application means. 9. The comprehensive building insurance system according to claim 8, wherein the insurance contract application means has a security function by mutual authentication employing digital signature and encrypted communication. 10. The building comprehensive insurance system according to claim 1, wherein when the user wants to have a business talk while actually having an interview with a person in charge of insurance business, the user can use the terminal device A building comprehensive insurance system having a sales staff interview requesting means for performing processing of dispatching a sales staff of an insurance company to the customer by inputting an instruction. 11. The building comprehensive insurance system according to any one of claims 1 to 10, further comprising help disk means for receiving a question or inquiry regarding insurance from a user, wherein the help disk means is a terminal of the user. When the user clicks the help disk button displayed on the device, the server device has a function of notifying the operator of the call center of the information, and the operator can call back to the user to hear the situation. A comprehensive building insurance system characterized by the above. 12. The building comprehensive insurance system according to any one of claims 1 to 11, wherein the customer's contracted insurance is monitored by referring to the customer DB, a new insurance product is proposed, and insurance is upgraded. , Switching to other insurance products,
Alternatively, a building comprehensive insurance system having a contract insurance monitoring means for generating new proposal information regarding insurance including integration of overlapping insurances. 13. The building comprehensive insurance system according to claim 1, wherein an instruction input of an insurance change request / cancellation request from a user's operation terminal device is accepted, and the corresponding insurance contract content is confirmed. A comprehensive insurance system for buildings, which has an insurance change / cancellation means for changing / cancelling. 14. The comprehensive insurance system for a building according to any one of claims 1 to 13, wherein the insurance information DB is retained when a sales representative of a service provider conducts a business negotiation with a customer. A comprehensive building insurance system having a sales manual presenting means for displaying existing sales manual information on the operation terminal device of the sales staff member. 15. The comprehensive insurance system for a building according to claim 14, wherein the sales manual presenting means provides presentation screen information to a sales person in charge of operating the terminal device so that the customer can directly talk while showing the screen. A comprehensive insurance system for buildings, which has the function of providing it. 16. The building comprehensive insurance system according to any one of claims 1 to 15, wherein a sales representative of a service provider carrying a terminal device conducts a business negotiation at a customer using a display screen of the terminal device. When doing so, the screen displayed on the operation terminal device of the sales representative is simultaneously displayed on the terminal device of the service provider's internal network, and the interaction between the sales representative and the customer is performed on the operation terminal of the sales representative. Having a business negotiation status remote display means for enabling the operator of the terminal device of the internal network to confirm the status of the business negotiation by inputting voice to the device and outputting the same at the terminal device of the internal network. A comprehensive insurance system for buildings. 17. The building comprehensive insurance system according to claim 16, wherein the business negotiation status remote display means can transmit a business negotiation instruction in real time from the in-house terminal device to the operation terminal device of the sales person. Comprehensive building insurance system characterized by 18. The building comprehensive insurance system according to claim 17, wherein said insurance information registration means, said insurance management information browsing processing means, said insurance plan creation means, said insurance contract application means, said sales staff interview request means , The help disk means, the contract insurance monitoring means, the insurance change /
A building comprehensive insurance system, characterized in that the server device holds software that realizes the functions of the cancellation unit and the sales manual presentation unit. 19. The building comprehensive insurance system according to claim 17, wherein the insurance information registration means, the insurance management information browsing processing means, the insurance plan creation means, the insurance contract application means, and the sales staff interview request means. , The help disk means, the contract insurance monitoring means, the insurance change /
The building comprehensive insurance system, wherein any one or more of the cancellation means and the software that realizes the function of the sales manual presenting means is held in a decentralized manner between the server device and the terminal device. 20. A program for realizing the function of the building comprehensive insurance system according to claim 1. 21. A recording medium on which the program according to claim 20 is recorded.