JP2003168007A - Insurance gift system, its method and insurance gift program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance gift system for presenting right for effecting insurance by using the Internet N or another communication network and enabling a person receiving the gift to effect the insurance of a required amount at a required date by using the Internet or the other communication network. <P>SOLUTION: The insurance gift system for dealing the right for effecting insurance as a gift is provided with a gift ticket selling means for selling an insurance gift ticket in accordance with a request from a gift sender 4, a certification means for certifying the gift ticket when insurance is applied in accordance with a request from a gift ticket receiver 5 and a settlement means for receiving the application of the insurance at the time of receiving the certification result, settling an insurance premium and starting the insurance. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance gift system that treats insurance as a gift by using the right to join insurance as a gift certificate.

[0002]

2. Description of the Related Art Since it is not uncommon for a party to get injured during outdoor sports or travel, there is known a non-life insurance that compensates for such a case. However, for those who play golf or travel only a few times a year, it becomes a heavy burden to take out non-life insurance throughout the year, and therefore the current situation is that they do not take out insurance. For such users,
There is a casualty insurance with a low insurance premium and a short coverage period so that you can take out insurance every time you play golf or travel.

However, since the insurance procedure for short-term enrollment is not simple, it is time-consuming to take out non-life insurance in advance when trying to play golf or traveling, and in the case of suddenly going on a trip. There is a problem that non-life insurance companies are unable to expand their contracts because many people are unable to take out insurance and eventually do not take out insurance.

The present invention has been made in view of the above circumstances, and presents the right to take out insurance as a gift as a gift by using the Internet and other communication networks. It is another object of the present invention to provide an insurance gift system capable of using a communication network to take out a desired amount of insurance at a desired time.

[0005]

According to a first aspect of the present invention, there is provided an insurance gift system in which the right to take out insurance is treated as a gift, and the insurance gift system responds to a request from a sender of the gift. A gift certificate selling means for selling an insurance gift certificate, an authenticating means for authenticating the gift certificate at the time of application for insurance subscription in response to a request from the recipient of the gift certificate, and an insurance for receiving the authentication result. It is characterized by comprising a settlement means for accepting a subscription application, paying an insurance premium, and starting insurance.

[0006] The invention according to claim 2 is characterized in that the gift voucher has a predetermined action and insurance premium for which insurance money is to be paid.

The invention according to claim 3 is characterized in that the gift certificate is applied to insurance for which the compensation period is short.

The invention according to claim 4 is characterized in that the gift certificate has an expiration date.

The invention according to claim 5 is characterized in that the gift certificate has a hidden authentication number at the time of gift giving, and the scratch shows the authentication number given to the gift certificate. To do.

The invention according to claim 6 is an insurance gift system in which the right to take out insurance is treated as a gift, and the insurance gift system sells the insurance enrollment right in response to a request from the sender of the gift. Means for selling insurance enrollment rights, gift notifying means for notifying the recipient that there is a gift of insurance enrollment rights upon receiving the sale of the insurance enrollment rights to the sender, and the receipt It is characterized by comprising a payment means for accepting an insurance application from the main, paying an insurance premium, and starting insurance.

The invention according to claim 7 is characterized in that the act of insurance payment and the insurance premium are predetermined for the insurance enrollment right.

The invention according to claim 8 is characterized in that the insurance enrollment right is applied to insurance with a short-term compensation period.

The invention according to claim 9 is characterized in that the insurance enrollment right has a fixed expiration date.

The invention according to a tenth aspect is characterized in that the insurance gift system notifies the recipient that there is a gift of an insurance right by an electronic mail via the Internet.

The invention according to claim 11 is an insurance gift method in which the right to take out insurance is treated as a gift, and the insurance gift method sells an insurance gift certificate in response to a request from the sender of the gift. Gift certificate sales process, and an authentication process of authenticating the gift certificate at the time of applying for insurance subscription according to the request from the recipient of the gift certificate, and receiving the insurance result and accepting the insurance subscription application. And a payment process for starting insurance.

The invention according to claim 12 is an insurance gift program in which the right to join insurance is treated as a gift, and the insurance gift program sells an insurance gift certificate in response to a request from the sender of the gift. Gift certificate sales processing, authentication processing for authenticating the gift certificate at the time of insurance application when requested by the recipient of the gift certificate, and receipt of the authentication result, acceptance of insurance application, insurance premium An insurance gift program, characterized by causing a computer to perform payment processing for starting payment and insurance.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION An insurance gift system according to an embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the same embodiment. In this figure, reference numeral 11 is a gift operation server that operates an insurance gift certificate. Reference numeral 21 is an insurance company server owned by the insurance company. Reference numeral 31 is a gift certificate issuing server for issuing a gift certificate for insurance. Reference numeral 41 is a sender terminal owned by the sender who sends the insurance gift certificate, and has Internet browsing software installed therein. Reference numeral 51 is a receiver terminal owned by a receiver who receives the insurance gift certificate, and has Internet browsing software installed. Information can be exchanged between these devices via the Internet N.

Now, with reference to FIG. 5, description will be given of the relationship between the respective traders who handle insurance gifts. FIG. 5 is a diagram showing the relationships among the traders. In FIG. 5, reference numeral 1 is an insurance gift management company that sells and manages insurance gifts, and manages and operates the gift management server 11. The insurance gift management company 1 may be an agency of the insurance company. Reference numeral 2 is an insurance company, which manages and operates the insurance company server 21. Reference numeral 3 is a gift certificate issuing company that issues insurance gift certificates, and manages and operates the gift certificate issuing server 31. Reference numeral 4 is a sender who sends an insurance gift certificate as a gift, and owns the sender terminal 41. Reference numeral 5 is a receiver who receives the insurance gift certificate and joins the insurance, and owns the receiver terminal 51.

First, the insurance gift management company 1 sends the sender 4
Sell gift certificates for insurance on request. The sender 4 pays the price of this gift certificate to the insurance gift management company 1. On the other hand, the insurance gift management company 1 requests the gift certificate issuing company 3 to issue a gift certificate in advance, and the gift certificate issuing company 3 prepares the requested number of gift certificates in advance to issue the insurance gift certificate. Issued to management company 1.

The sender 4 presents the gift certificate purchased from the insurance gift management company 1 to the recipient 5 as a gift.
In response to this, the payee 5 applies for insurance to the insurance gift management company 1. At this time, the insurance premium for the insurance to be enrolled is determined according to the face value of the gift certificate, and the insurance is enrolled as needed within the face value of the gift certificate at the required time. Upon receiving this application, the insurance gift management company 1
Applies for insurance to the insurance company 2 and settles insurance premiums. As a result, the insurance application of the payee 5 is completed. The beneficiary 5 (insurance applicant) requests payment of insurance money (compensation money) as necessary, and the insurance company 2
Get insurance payment from.

[0021] In this way, the gift market is targeted as a new market for insurance companies, and "giving peace of mind".
Therefore, it becomes possible to convert insurance into a gift product.

Next, the operation of the insurance gift system shown in FIG. 1 will be described with reference to FIG. FIG. 2 is a sequence diagram showing an insurance gift processing operation. First, the operation of issuing a gift certificate will be described. First, the gift management server 11
Is the gift certificate issuing server 31 based on the operator's instruction.
A request to issue a gift voucher is made (step S1).
This gift certificate issuance request includes information on the type and number of gift certificates. In response to this, the gift certificate issuing server 31
Performs the gift voucher issuance process and passes the issued gift voucher to the gift operation server 11 (step S2). By this operation, the insurance gift management company 1 issues a gift certificate in advance.

Now, the types of gift certificates issued by the gift certificate issuing server 31 and sold by the gift operation server 11 will be described. The gift vouchers sold are insurance gift vouchers centered on life-related compensation, and include, for example, types shown in (1) to (3) below. (1) Outdoor sports insurance gift certificate Compensation for damages that occur while camping, hiking, skiing, golfing, fishing, etc. (2) Travel insurance gift certificate Compensation for damages incurred when traveling overseas or domestic. (3) Lifeguard insurance Gift certificate Compensation for damages due to injury, traffic injury, etc.

For the above three types of gift coupons, for example, any one of the following amounts (a) to (c) can be selected. (A) Compensation amount of 5 million yen, insurance fee of 500 yen, compensation period of 1 week (b) Compensation amount of 8 million yen, insurance fee of 1000 yen, compensation period of 1 week (c) Compensation amount of 12 million yen, insurance fee of 1500 Yen, compensation period for 1 week The above insurance premium is paid by the recipient 5 with a gift certificate, and the face value of the gift certificate corresponds to the insurance premium. Also, the gift certificate has an expiration date (for example, 3 years),
It is necessary to apply for subscription within this expiration date. The insurance policy may be enclosed when the gift certificate is presented, or can be confirmed from the terminal.

Next, an operation in which the sender 4 purchases a gift voucher, presents the gift voucher to the recipient 5, and the recipient 5 applies for insurance is described. First, the sender 4 sends the sender terminal 41 to the gift management server 11 via the Internet N.
Connect to. In response to this, the gift management server 11
A display screen for purchasing a gift is sent to the main terminal 41. Then, the sender 4 uses this display screen to make a gift certificate purchase request (step S3). This gift certificate purchase request includes the selected insurance type ((1)-
(Any one of (3)), the selected amount (any one of (a) to (c) in the above example), and the sender 4
Information (name, address, telephone number of contact) and information (credit number, etc.) on how to settle the gift certificate price.

In response to this, the gift operation server 11
The requested gift certificate is sold (step S4) and the price of the gift certificate is settled (step S5). Here, the sold gift certificate is delivered to the sender 4 using mail or the like. Then, the sender 4 presents this gift certificate to the desired recipient 5 (step S6), and the recipient 5 receives this gift certificate.

FIG. 3 shows an example of a gift certificate. This example
It is an example of an "outdoor sports insurance gift certificate". Figure 3
In, the symbol G is a gift certificate printed on a dedicated sheet. Reference numeral B1 is a type number for uniquely identifying the gift certificate. The symbol S is a part where the authentication number is hidden when the recipient 5 receives it. The symbol B2 is
It is an authentication number that appears by scratching (peeling off) the portion indicated by reference sign S. Whether or not a third party has used this gift voucher can also be determined by whether or not the portion indicated by the reference sign S is scratched.

Next, the recipient 5 connects the recipient terminal 51 to the gift operation server 11 via the Internet N. Then, the gift certificate use registration is performed (step S
7). At this time, the recipient 5 inputs the authentication number represented by scratching and notifies the gift operation server 11. In response to this, the gift operation server 11 sends the ticket issuing number and the authentication number sent from the recipient terminal 51 to the gift certificate issuing server 31 for authentication (step S).
8). As a result, if the authentication cannot be performed, the gift operation server 11 notifies the recipient terminal 51 that the authentication number cannot be authenticated. This can prevent unauthorized use of the gift certificate.

On the other hand, when the authentication of the authentication number is normally performed, the gift operation server 11 notifies the recipient terminal 51 that the authentication is normally performed. Then, the gift operation server 11 requests the input of the attribute information of the recipient. On the other hand, the recipient's attributes (name, address, gender, date of birth, telephone number, e-mail address, etc.) are entered from the recipient terminal 51. The attribute input here is transmitted to the gift operation server 11, and a user ID and a password are issued in response to this attribute input to notify the recipient terminal 51 (step S9).

Here, the issued user ID and password are used in the insurance application and service of this system, and the recipient who has the user ID and password must enter the attributes in the next application and service. Application is made without. Then, enter the user ID and password from the recipient terminal 51 to send the gift operation server 11
Request for insurance.

In response to this, the gift operation server 11 determines if the user ID and password entered here are correct.
The connection of the recipient terminal 51 is transferred to the insurance company server 21 by a link. In response to this, the insurance company server 21
Sends an application screen to the receiver terminal 51. Insurance application information is input from the receiver terminal 51 to this application screen (step S10). The insurance application information input here is sent to the insurance company server 21 via the gift operation server 11.

Upon receiving this application information input, the insurance company server 21 notifies the gift operation server 11 of whether or not to accept insurance (step S11). Then, the gift management server 11 carries out the settlement process of the insurance premium with the use-registered gift certificate (step S12), and uses the email to notify the subscriber of the insurance underwriting and the newly issued insurance contract certificate. The distribution number or the insurance policy number is notified (step S13). This starts insurance.

As described above, within the validity period of the gift certificate, it is possible to easily apply for the insurance subscription using the Internet terminal, and it is possible to insure the insurance on any date. Become.

Next, the operation of receiving insurance money (compensation money) in the event of an accident or the like will be described. First, the insurance subscriber (recipient 5) connects the recipient terminal 51 to the gift operation server 11 and makes an insurance payment request (step S1).
4). At this time, the receiver 5 inputs the insurance contract certificate number or insurance policy number and the subscriber password delivered from the insurance company 21 in advance. This insurance payment request is notified to the insurance company server 21 by a link (step S).
15). In response to this, the insurance company 2 examines the insurance payment, and if the insurance payment is determined, the insurance company server 21 settles the insurance money (compensation money) (step S16). And the insurance company server 21
Notifies the payee 5 of the insurance payment by electronic mail (step S17).

In the above description, the gift of the right to join the insurance is given by the gift voucher on the special paper, but the right to join the insurance may be given and received by electronic data instead of the gift voucher. . At this time, instead of the operation of sending the gift certificate in step S6 shown in FIG.
When selling insurance enrollment rights (corresponding to step S4 in Fig. 2)
In addition, the recipient may be input in advance by the sender, and the gift operation server 11 may notify the recipient that the gift is present by e-mail.

FIG. 4 shows an example of the electronic mail sent at this time. In FIG. 4, reference numeral B3 is a number corresponding to the authentication number B2 shown in FIG. The symbol U is the URL of the gift operation server 11. By clicking this URL with the mouse, you can connect to the gift operation server 11 and enter the authentication number B3 included in the e-mail on the application screen to apply for insurance (step S in FIG. 2).
7) can be performed from the terminal. By doing so, since it is not necessary to give and receive gift certificates, it is possible to prevent unauthorized use and to quickly apply for gifts and join insurance.

The face value of the gift certificate and the insurance enrollment right is not limited to the above-mentioned three types of amounts, and may be an integral multiple of 500 yen. For example, if you give one gift certificate of 3000 yen, the compensation amount is 5 million yen (insurance fee 500 yen), the compensation amount is 8 million yen (insurance fee 1000
You may apply for a different compensation amount or period for the compensation amount of 12 million yen (insurance fee of 1500 yen) each time, or you may apply for a compensation amount of 5 million yen (insurance fee of 500 yen).
6 different people may join at the same time. At this time, the gift management server 11 may reduce the insurance enrollment right or the remaining amount of the gift certificate each time the application is made.

Further, the above-mentioned three types of insurance may be arbitrarily selected by the receiver 5 at the time of application. In addition, the person who purchases the gift certificate may purchase insurance by himself. That is, the above-mentioned recipient and sender may be the same, and an insurance gift certificate may be used as a prepaid insurance subscription right ticket. By purchasing in advance in this way, it becomes possible to take out insurance by a simple procedure when suddenly wanting to take out insurance.

Further, the program for realizing the function of the processing shown in FIG. 2 is recorded in a computer-readable recording medium, and the program recorded in this recording medium is read into a computer system and executed to execute insurance. Gift processing may be performed. The “computer system” mentioned here includes an OS and hardware such as peripheral devices. In addition, if the "computer system" uses a WWW system,
The homepage provision environment (or display environment) is also included.

The "computer-readable recording medium" means a portable medium such as a floppy (registered trademark) disk, a magneto-optical disk, a ROM, a CD-ROM, or a storage device such as a hard disk built in a computer system. Say that. Further, the "computer-readable recording medium" is a volatile memory (RAM) inside a computer system which serves as a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those that hold the program for a certain period of time are also included.

Further, the program may be transmitted from a computer system that stores the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the "transmission medium" for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. Further, the program may be a program for realizing some of the functions described above. further,
It may be a so-called difference file (difference program) that can realize the above-mentioned functions in combination with a program already recorded in the computer system.

Although the present invention has been described above, the present invention can be modified in various ways as long as the object is met. For example, it is naturally applicable to gifts of various services other than insurance gifts.

[0043]

As described above, according to the present invention, since the right to take out insurance is a gift product, the insurance company can obtain an effect that the contract can be expanded. Further, a person who has been granted the right to take out the insurance with a gift can obtain the effect of being able to take out the insurance with a simple procedure even when, for example, he or she suddenly goes to golf or travel.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of the present invention.

FIG. 2 is a sequence diagram showing an insurance gift processing operation.

FIG. 3 is an explanatory diagram showing an example of a gift certificate.

FIG. 4 is an explanatory diagram showing an example of a display screen.

FIG. 5 is an explanatory diagram showing a relationship between each trader.

[Explanation of symbols]

1 ... Insurance gift management company 2 ... Insurance company 3 ... Gift Certificate Issuing Company 4 ... sender 5 ... Recipient 11 ... Gift operation server 21 ... Insurance company server 31 ・ ・ ・ Gift ticket issuing server 41: sender terminal 51 ... Receiver terminal

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Koichi Shimada             Aioi 1-28-1 Ebisu, Shibuya-ku, Tokyo             Non-life insurance company (72) Inventor Tetsuya Senpo             Aioi 1-28-1 Ebisu, Shibuya-ku, Tokyo             Non-life insurance company

Claims (12)

[Claims] 1. An insurance gift system that handles the right to join an insurance as a gift, wherein the insurance gift system sells an insurance gift certificate in response to a request from the gift sender. In response to a request from the recipient of the gift certificate, an authentication unit that authenticates the gift certificate at the time of applying for insurance, and, upon receiving the authentication result, accepts the insurance application and settles the insurance premium to provide insurance. An insurance gift system comprising a means for starting a payment. 2. The insurance gift system according to claim 1, wherein the gift voucher has predetermined actions and insurance premiums for which insurance money is paid. 3. The insurance gift system according to claim 1, wherein the gift certificate is applied to insurance with a short-term compensation period. 4. The insurance gift system according to any one of claims 1 to 3, wherein the gift voucher has a fixed expiration date. 5. The authentication number of the gift certificate is hidden when the gift certificate is given, and the authentication number assigned to the gift certificate is revealed by scratching the gift certificate. Insurance gift system described in either. 6. An insurance gift system that handles the right to join insurance as a gift, wherein the insurance gift system includes an insurance right selling unit that sells the insurance right in response to a request from the sender of the gift. , Gift notification means for notifying the receiver that there is a gift of the insurance enrollment right after receiving the sale of the insurance enrollment right to the sender, and applying for insurance enrollment from the recipient. An insurance gift system comprising: a payment means for accepting payment of insurance premiums and starting insurance. 7. The insurance gift system according to claim 6, wherein the insurance enrollment right has a predetermined action and insurance premium for which insurance money is paid. 8. The insurance gift system according to claim 6, wherein the insurance enrollment right is applied to insurance with a short-term compensation period. 9. The insurance gift system according to claim 6, wherein the insurance subscription right has a fixed expiration date. 10. The insurance gift system according to claim 6, wherein the insurance gift system notifies the recipient that there is a gift of insurance enrollment right by electronic mail via the Internet. Insurance gift system. 11. An insurance gift method for treating a right to join an insurance as a gift, the insurance gift method comprising: a gift voucher selling step of selling an insurance gift voucher in response to a request from a gift sender. In accordance with a request from the gift certificate recipient, an authentication process of authenticating the gift certificate at the time of insurance application, and receiving the authentication result, accepting the insurance application and settling the insurance premium to provide insurance. An insurance gift method, comprising: a settlement process to start. 12. An insurance gift program for treating the right to join an insurance as a gift, wherein the insurance gift program includes a gift certificate selling process for selling an insurance gift certificate in response to a request from the gift sender. In response to a request from the gift certificate recipient, an authentication process for authenticating the gift certificate at the time of insurance application, and receiving the authentication result, accepting the insurance application and settling the insurance premium to provide insurance. An insurance gift program characterized by causing a computer to perform a settlement process to start.