JP2003248757A - Contract certificate issuance system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system for processing a contract of deal and issuing a contract certificate. <P>SOLUTION: This system comprises a contract processing device connected with terminals of users via a public line for notifying the terminals of an identification number of the contract certificate and dedicated devices connected with the contract processing device via the public line and installed on public places where the users can use. The dedicated device comprises an identification information input section for the user notified with the identification number to input identification information including the identification number, a collation result receiving section for receiving result of collation of the identification information from the contract processing device, a contract information receiving section for receiving content of the contract certificate identified by the identification information when the collation is successful, a paper feed section for storing dedicated papers on which content of the contract certificate is printed and feeding the dedicated papers, and a printing section for printing content of the contract certificate on the dedicated papers fed by the paper feed section on the basis of the content of the contract certificate. <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 a contract certificate issuing system for transaction processing. In particular, the present invention relates to a contract certificate issuing system that communicates with a user's terminal and performs transaction contract processing.

[0002]

2. Description of the Related Art In the conventional insurance contract, a sales representative of an agent goes to a customer with a printed application form or mails the application form to the customer, and the customer fills in and stamps the application form.
The application procedure was performed by returning the application form to the agency. Application data is created from the filled-in application form by OCR processing or manually input, and is sent to the host computer. The host computer confirms the content of the application data, issues an insurance policy at the office center, and mails it to the customer or agent.

Further, in the case of travel insurance, in many cases, an airline company or a travel agency purchases an airline ticket or a tour, and at the same time, applies for a travel insurance contract. In order to purchase airline tickets and tours, airline companies and travel agents often enter customer information such as customer name and address, and ticket purchase information such as travel destinations and travel schedules into their computers. . When a customer applies for travel insurance at the same time as purchasing an airline ticket or a tour, a salesperson manually issues an insurance contract certificate based on a form in which customer information and travel information are filled. The issued insurance contract certificate is manually mailed to the customer, and the contract data is manually created at the insurance company's administrative center and uploaded to the host computer by batch processing.

[0004]

There is a problem that it takes time and time to extract application data from a printed application form and input it to the host computer. In addition, when making an insurance contract at the same time as purchasing other products, such as travel insurance, when applying for insurance even though the customer and product information has already been entered into the computer when purchasing the product. However, there is a problem that it is necessary to input information about customers and products again, which takes time and effort.

In order to solve the above problems, it is an object of the present invention to provide a contract certificate issuing system which communicates with a user's terminal and performs contract processing for a transaction. This object is achieved by a combination of features described in independent claims of the invention. The dependent claims define further advantageous specific examples of the present invention.

[0006]

In order to solve the above-mentioned problems, in the first embodiment of the present invention, a contract processing device which communicates with a user's terminal to perform transaction processing, and receives from the terminal. The application data input section for inputting transaction application data, the risk determination section for determining transaction risk based on the application data, the plurality of transaction candidates determined based on the transaction risk, and transmission to the terminal A transaction presenting unit for presenting, and a terminal, when the terminal selects one of the transaction candidates presented by the transaction presenting unit, a transaction contracting unit for making a contract for the transaction based on the selected transaction candidate. And

[0007] The transaction contract section may issue a contract certificate proving that the transaction has been completed and send it to the terminal or the user of the terminal.

[0008] The application data includes information on the content of the transaction and the contractor of the transaction, and the risk judgment unit may judge the risk of the transaction based on the content of the transaction and the risk factor of the contractor of the transaction. The risk determination unit further includes a user database that stores transaction history by the user of the terminal.
The risk of the transaction may be judged based on the application data and the transaction history. The transaction presenting unit may determine a transaction candidate with a different charge based on the risk of the transaction judged by the risk judging unit.

[0009] The transaction is an insurance transaction, and the application data includes data regarding the content of insurance, data regarding the applicant for insurance, and data regarding the insured person, and the risk judgment unit includes the content of insurance, the applicant for insurance, and insurance. The risk of insurance transactions may be determined based on the risk factors of the insured.

The transaction presenting unit may determine and present a transaction candidate having different insurance type, insurance period, insurance money and compensation content based on the risk of the insurance transaction judged by the risk judging unit. The risk determination unit may determine the risk of the insurance transaction in consideration of risk factors that differ depending on the region where the insurance is targeted.

The insurance type includes at least one of life insurance or fire insurance, automobile insurance, accident insurance including travel insurance, and non-life insurance including liability insurance. Risk factors include medical expenses, theft damage, disasters, and compensation. The risk of insurance transactions may be judged based on regional disparities in risk factors such as awareness and traffic conditions.

The risk judgment unit judges the risk of insurance transactions based on at least one risk factor of age, sex, occupation, medical history, insurance claim history, and insurance contract history of the insurance applicant and the insured person. You may.

The transaction presenting section may determine and present transaction candidates with different insurance premiums depending on the number of insured persons.

An unlawful contract prevention unit for setting information indicating that the legal heir of the insured person is included as the insurance recipient of the insurance contract may be further provided.

The fraudulent contract prevention unit sets information indicating that the legal heir of the insured is included as the recipient of the insurance contract when the insurance applicant and the insured are not the same, The terminal user may be notified that the legal heir of the insured person is included as the insurance recipient.

The fraudulent contract prevention unit warns the user of the terminal that the application cannot be made if the applicant of the insurance and the insured do not have the same surname and the applicant is not the family of the insured, and the insurance is issued. The contract for the transaction may not be concluded.

The insurance transaction is a travel insurance transaction, the application data includes a travel period, a travel area, and a purpose of travel, and the risk judgment unit is a travel insurance transaction applicant, an insured person, a travel period, a travel area, And based on risk factors for travel purposes,
You may judge the risk of travel insurance.

According to the fourth aspect of the present invention, a user of a terminal connected to a public line communicates with a contract processing device to carry out a transaction, and a dedicated contract device installed in a public place issues a transaction contract certificate. It is a contract certificate issuing system that can receive, and connects to the user's terminal via a public line,
A contract processing device for notifying the terminal of the identification number of the contract certificate,
It is equipped with a dedicated device that is connected to the contract processing device through a dedicated line and is installed in a public place where users can use it.The dedicated device sends the identification information including the identification number to the user who is notified of the identification number. An identification information input unit to be input, a verification result receiving unit that receives the success or failure of the verification of the identification information from the contract processing device, and a contract information reception that receives the contents of the contract certificate identified by the identification information when the verification is successful. Section and the dedicated paper for printing the contents of the contract certificate, and the paper feed unit that feeds the special paper, and the contents of the contract certificate are printed on the special paper that the paper feed unit feeds based on the contents of the contract certificate And a printing unit that performs printing.

The paper feed unit may be provided with a key so that a third party cannot replace the special paper.

In a third aspect of the present invention, there is provided a contract processing device for performing insurance transaction processing in cooperation with a product purchase server for selling products such as goods or securities to users of terminals via a network. , A purchase information input unit that receives information about the product from the product purchase server, and a plurality of transaction candidates for insurance transactions for the purchase of the product are determined based on the product information received by the purchase information input unit, and the terminal or the product purchase server When the transaction presenting unit to be transmitted to and presented to the user and the terminal or the commodity purchase server select one of the transaction candidates presented by the transaction presenting unit, a transaction contract for making a transaction contract based on the selected transaction candidate. Parts and.

[0021] A risk judging unit for judging the risk of the insurance transaction with respect to the product based on the product information is further provided, and the transaction presenting unit has a plurality of transactions of the insurance transaction based on the risk of the insurance transaction judged by the risk judging unit. The candidates may be determined and transmitted to the terminal or the product purchase server for presentation.

The purchase information input unit further receives information about the purchaser of the product from the product purchase server, and the risk judgment unit receives insurance transaction for the product based on the product information and the purchaser information received by the purchase information input unit. You may judge the risk of.

The purchase information receiving unit receives the agency identification information of the agency that sells the product from the product purchase server, and when the insurance contract is established, pays the commission to the agency based on the agency identification information. Means may be included.

The product is an airline ticket, an accommodation ticket, or a travel tour, the insurance is travel insurance, the product information is information about a travel destination, a purpose of travel, and a travel period, and the purchaser information is:
It may be at least one of a purchaser's age, gender, occupation, medical history, insurance claim history, and insurance contract history.

According to a fourth aspect of the present invention, a recording medium storing a program for a computer that communicates with a user's terminal and performs transaction processing, the program receiving transaction application data received from the terminal. Application data input module for inputting a transaction risk, a risk determination module for determining a transaction risk based on the application data, and a transaction presentation module for determining a plurality of transaction candidates based on the transaction risk and transmitting and presenting them to a terminal And a transaction contract module which, when the terminal selects one of the transaction candidates presented by the transaction presenting section, makes a transaction contract based on the selected transaction candidate.

In the fifth aspect of the present invention, a program for a computer for performing insurance transaction processing is stored in cooperation with a commodity purchase server that sells commodities such as goods or securities to users of terminals via a network. And a purchase information input module that causes a program to receive information about a product from a product purchase server, and a plurality of transaction candidates for insurance transactions for the purchase of a product based on the product information received by the purchase information input unit. And a transaction presenting module that determines and determines which of the transaction candidates is to be transmitted to the terminal or the commodity purchase server for presentation, and the terminal or the commodity purchase server selects one of the transaction candidates presented by the transaction presenting unit. And a transaction contract module for making a transaction contract based on the transaction contract module.

The sixth aspect of the present invention is an insurance contract method of communicating with a user's terminal to make an insurance contract, wherein application data for the insurance contract is received from the terminal, and based on the application data, The risk of the insurance contract is determined, a plurality of contract candidates are determined based on the risk of the insurance contract, and the candidate contract is transmitted and presented to the terminal. When the terminal selects one of the contract candidates, the selected contract candidate is selected. It is characterized by establishing an insurance contract based on.

The seventh aspect of the present invention is an insurance contract method for making an insurance contract for a product such as goods or securities purchased by a user of a terminal via a network. Of the insurance contract for the product is presented by using the product information and the purchaser information, and the purchaser selects one of the contract candidates. It is characterized by establishing insurance contracts based on contract candidates.

The above summary of the invention does not enumerate all the necessary features of the present invention, and sub-combinations of these feature groups can also be the invention.

[0030]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the claimed invention, and the features described in the embodiments Not all combinations are essential to the solution of the invention.

(Embodiment 1) A first embodiment of the present invention will be described. The insurance contract processing device 200 as an example of the contract processing device of the present embodiment can efficiently perform the insurance contract processing from the application of the insurance contract to the issuance of the insurance policy.
The insurance contract processing apparatus 200 according to the present embodiment performs insurance contract processing such as accident insurance including fire insurance, automobile insurance, travel insurance, accident insurance such as liability insurance, life insurance, simple insurance, mutual insurance, and the like. be able to. In the following, the contract processing from application of travel insurance to issuance of insurance policy will be described taking travel insurance as an example.

FIG. 1 is an overall view of a system including the insurance contract processing apparatus of this embodiment. The system as a whole includes a user terminal 10 of a customer, an insurance contract processing device 200 of an insurance company, and a CAFIS 10 of a credit card company.
0 is a form of being connected via a communication network. The user terminal 10 is a communication network 3 which is a public network.
Connect to 0. In the present embodiment, the insurance contract processing device 200 is realized by dividing the functions into an insurance application server 40, a data server 50, an office center computer 60, and a host computer 70.

The insurance application server 40 is a server which is connected to the communication network 30 which is a public network and which the user terminal 10 can access via the communication network 30. The insurance application server 40 uses a WWW (World) that the user terminal 10 can access on the Internet.
Wide Web) server, so that the customer can safely transmit personal information such as a credit card number, the secure communication method such as SSL (Secured Socket Layer) is used to communicate with the user terminal 10. It is preferable to exchange data between them.

The data server 50 is the customer database 5
2 and a database interface capable of accessing the contract database 54, and the insurance application server 4
Received insurance application data from 0, customer database 5
2 and the contract database 54, customer information and contract information can be registered and updated. The data server 50 can also extract customer information and contract information from the customer database 52 and the contract database 54 and provide them to the insurance application server 40. The data server 50 accesses the card credit company server 90 of the credit card company via the gateway 80 through the gateway 80, and inquires about the card number and the expiration date of the insurance applicant. Card credit company server 90 is C
The AFIS 100 connects with the system of each credit card company to perform credit card payment. The system of each credit card company transmits the payment data to the host computer 70 of the insurance company and performs the payment process.

The data server 50 may send the data of the credit card holder to the card credit company server 90 and receive the collation result of the holder.

The office center computer 60 receives the insurance contract application data whose application details have been confirmed and the credit card settlement information from the data server 50, and sends them to the host computer 70 as accounting data. The office center computer 60 issues the insurance transaction contract certificate 64 by the printer 62. The issued contract certificate 64 is mailed to the customer. The office center computer 60 can also perform processing for responding to inquiries from customers.

The host computer 70 processes the settlement data and accounting data sent from the office center computer 60 and the card company, and issues a statement of insurance fee payment and the like.

Insurance application server 40, data server 50,
The office center computer 60 and the host computer 70 are connected by a private network within the insurance company, and cannot be accessed from the public network except for the insurance application server 40.

FIG. 2 is a functional block diagram of the insurance contract processing apparatus 200. The insurance contract processing device 200 functionally communicates with the application data input unit 210, the fraudulent contract prevention unit 218, the risk determination unit 220, the transaction presenting unit 230, the contract certificate issuing unit 240, the settlement processing unit 250, and the communication. It has an interface 260 and a database interface 270.

The communication interface 260 is an interface for performing data communication with the user terminal 10 via the communication network 30. Database interface 2
70 is a customer database 52 and a contract database 54
It is an interface to connect to and search and update the database.

The application data input unit 210 receives the insurance application data of the customer. Notification items, travel destination, travel purpose, travel period, applicant information, insured information, credit card information, agency information, etc. are input. Further, the application data input unit 210 may retrieve customer information from the customer database 52 and use the customer's insurance contract history or registration information.

Further, the contract information may be retrieved from the contract database 54 and the data of the past insurance contract of the customer may be used.

The fraudulent contract prevention unit 218 confirms the applicant information and the insured information. If the surnames of the applicant and the insured do not match, error processing is performed, and if the applicant is not the insured's family. Warns that he cannot apply for insurance. In addition, by setting the recipient of the death insurance claim to be the legal heir of the insured, it is possible to prevent a person other than the insured or the insured's family from committing a crime for the purpose of receiving the insurance claim. , Prevent the establishment of illegal contracts.

The risk judgment unit 220 judges the risk of the insurance contract and creates a transaction candidate for the insurance transaction. The risk determination unit 220 determines the risk of insurance transaction based on the application data input by the application data input unit 210, the customer information retrieved from the customer database 52, and the contract information retrieved from the contract database 54, and determines a plurality of insurance transactions. Create a contract plan as a candidate. Insurance contract plans differ in insurance type, insurance amount, compensation contents, insurance premiums, etc.

The transaction presenting section 230 is the risk judging section 220.
In order to present the insurance contract plan created by analyzing the risk factors to the customer, information regarding the insurance contract plan is transmitted to the user terminal 10. The user of the user terminal 10 selects one of the presented insurance contract plans and returns the selected information to the transaction processing apparatus 200.

The contract certificate issuance unit 240 uses the user terminal 10
The insurance contract is established based on the insurance contract plan selected by the user, and the contract information is registered in the contract database 54. The payment processing unit 250 reads the contract information from the contract database 54, transmits the credit card information and the information about the insurance charge to the card credit company server 90 to settle the insurance charge with the credit card, and collates the credit card. Complete the payment above. The contract certificate issuing unit 240 prints the insurance contract contract certificate on the printer 62 after the payment processing unit 250 completes the payment.

The application data input unit 210, the illegal contract prevention unit 218, which are the functional components of the insurance contract processing apparatus 200,
Risk judging unit 220, transaction presenting unit 230, contract certificate issuing unit 240, settlement processing unit 250, communication interface 26
0 and the database interface 270 may be realized in one device or may be realized by being distributed to a plurality of devices. In the present embodiment, the communication interface 260, the application data input unit 210, the illegal contract prevention unit 21.
8. The risk judgment unit 220 and the transaction presenting unit 230 are provided in the insurance application server 40, the database interface 270 is provided in the data server 50, and the contract certificate issuing unit 2
40 in the office center computer 60, and the payment processing unit 250 in the data server 50 and the host computer 7.
However, the form in which the functional components are distributed to a plurality of devices is not limited to this.

FIG. 3 is an explanatory diagram of customer information stored in the customer database 52. The customer database 52 includes, for each customer, name, address, sex, age, occupation or occupation, passport number, credit card number, medical history, insurance claim history, accident history, smoking history, drug poisoning status, number of dependents. , Information about other insurance contracts, whether or not other companies have withdrawn contracts, etc. are stored.

FIG. 4 is an explanatory diagram of contract information stored in the contract database 54. The contract database 54 contains information such as the applicant's name and address, the insured's name, address, date of birth, gender, passport number, etc. for each insurance contract, credit card name, credit card number, and credit. Card credit result, insurance contract type, insurance amount, insurance period, insurance premium, notification contents, death benefit recipient, agent code as an example of agent identification information, application date, contract establishment date, insurance policy issue date, etc. Information is stored.

As for the compensation contents of travel insurance, there are accident compensation as a basic contract, and special provisions include sickness treatment cost specialties, sickness death specialties, liability liability specialties, rescuer cost specialties, personal belongings specialties, car driver liability specialties, etc. is there. Injury compensation is a direct cause of injury or injury resulting from an accident during the trip.
Guarantee the disability and treatment cost. The sickness treatment cost guarantee covers the treatment cost and the like caused by the illness that has developed during the travel process, and the sickness death special treatment guarantees the case where the patient died due to the illness that has developed during the travel process. The liability agreement is
The liability for legal liability shall be secured by injuring others or destroying others to cause damage during the travel process. The rescuer cost special contract guarantees transportation costs in case of hospitalization / death due to injury or illness during the travel, and rescue / search activities in the case of missing or distress. The carry-on item guarantee guarantees the market value of the carry-on item if it is stolen or damaged during the travel process.

Next, the flow of insurance contract processing performed by the insurance contract processing device 200 will be described. FIG. 5 is a flowchart of processing from application of insurance to issuance of insurance policy. The application data input unit 210 displays on the user terminal 10 a screen that allows the user of the user terminal 10 to enter notification items (S).
100). The user of the user terminal 10 is a travel insurance applicant or an insured person. FIG. 8 is an explanatory diagram of a notification item input screen displayed on the user terminal 10. Confirm the insured's medical history, insurance claim history, presence of other insurance contracts, presence of dangerous duties, presence of dangerous sports, etc., not being accessed from outside the country, not living outside the country . The user of the user terminal 10 answers the announcement with "yes" or "no". When the send button is pressed, the user's response data to the notification item is transmitted to the transaction processing device 200, and the application data input unit 210 receives the response data.

The application data input unit 210 determines whether or not the insurance application can be accepted based on the response data to the notified matter (S102). If even one of the notification items is “Yes”, an error message is processed and a warning message prompting the user of the user terminal 10 to directly contact the insurance company by telephone, FAX, etc. is issued.
To 0 (S104). When all the answers to the notified matter are “No”, a screen for allowing the user of the user terminal 10 to input the application data is displayed on the user terminal 10 and the application data input process is performed (S106).

FIG. 6 is a flowchart of the application data input process S106. FIG. 9 is an explanatory diagram of an application data input screen displayed on the user terminal 10. The user of the user terminal 10 inputs a travel destination, a travel purpose, and a travel period (S130). For the travel destination, enter the travel country or travel area. Enter tourism, study abroad, business, etc. for the purpose of travel. Enter the departure date and return date for the travel period. User terminal 10
The user inputs the applicant information (S132). The applicant information includes the applicant's name, address, telephone number, and the like. Next, the insured information is input (S134). The insured information includes the insured's name, address, date of birth, and the like. Next, credit card information is input (S136). Credit card information includes a credit card company, a credit card number, an expiration date, and the like. Next, handling agency information is input (S138). The handling agency information is an agency code and an agency name, which are examples of agency identification information.

Returning to FIG. 5, the application data input process S10.
After step 6, security check processing S107 is performed.
FIG. 7 is a flowchart of the security check process S107. The illegal contract prevention unit 218 checks whether the surnames of the applicant and the insured are the same (S142). If the surnames of the applicant and the insured do not match, error processing is performed, and if the applicant is not the insured's family, a message is sent to the user terminal 10 warning that the insurance cannot be applied (S144). The death beneficiary data is set to information indicating the legal heirs of the insured (S14).
6). This prevents an accident in which an insurance contract is established in which a person who is not the insured's family becomes the recipient of the insurance money.

Returning to FIG. 5, after the security check processing S107, risk judgment processing S108 is performed. The risk determination unit 220 analyzes the risk factors of the insurance contract based on the application data input by the user of the user terminal 10 by the application data input unit 210, and determines the type of insurance contract, the existence of a special contract, the insurance amount, and the insurance amount. Create a plan with adjusted fees.

FIG. 10 is a risk factor analysis table used by the risk judgment unit 220. Risk factors include regional disparity factors that differ depending on the country of travel, such as disparities in medical expenses, disparities in the frequency and extent of theft damage, disparities in liability responsibilities, disparities in rescuer costs, and disparities in traffic conditions. These proposed regional disparities adjust the proposed insurance contract plan. For example, in the case of disparities in medical expenses, in accident insurance, a high treatment cost insurance is set in North America and Europe, and a low treatment cost insurance is set in Asia. When traveling in France and Italy, where there is a lot of theft damage, set a high insurance premium with a special item for personal property insurance. Increase liability insurance coverage for travel-intensive America trips. Regarding the rescuer cost, the insurance money will be increased or decreased depending on the difference in round-trip airfare to the country of travel. In addition, if you travel to the United States or Canada and arrange a rental car, a special liability for car driver liability will be attached.

FIG. 11 is an insurance premium deciding factor table used by the risk judging unit 220. As a factor that determines insurance premiums,
Examples include country of travel, duration of travel, purpose of travel, and number of travelers. The risk determination unit 220 sets different insurance premiums depending on the country of travel. The insurance fee is updated at any time, and the latest information is stored in the table. Also, set a discount rate so that the longer the travel period, the lower the daily insurance premium. For the purpose of travel, in the case of performing dangerous tasks,
Premiums will be increased if you play dangerous sports. The rate of increase / decrease in insurance premiums may be determined according to the purpose of travel such as business, sightseeing, and study abroad. For the number of travelers, the insurance premium will be discounted depending on the number of insured persons.

The risk factor analysis table and the insurance premium deciding factor table shown in FIGS. 10 and 11 may be stored in the contract database 54 and provided to the risk judging section 220.

Returning to FIG. 5, based on the result of the risk determining section 220 analyzing the risk factors and the insurance premium deciding factors, the transaction presenting section 230 causes the insurance type, the presence / absence of a special contract, the insurance money, and the insurance with different insurance premiums. A contract plan candidate is created, transmitted to the user terminal 10, and presented to the user (S110). The transaction presenting unit 230 sets the insurance period such that the insurance period is equal to or longer than the travel period. 12
FIG. 3 is an explanatory diagram of an insurance contract plan displayed on the user terminal 10. A type, B type flight plan, C,
D and E type economy plans are listed as candidates, and contract plans with different insurance amounts for accident insurance, sickness insurance, liability insurance, rescuer cost insurance, and personal property insurance are presented for each candidate. In addition, the insurance premium of each contract plan depends on the travel period, for example, the longer the travel period, the lower the daily insurance premium,
The insurance rate is set and presented so that the lower the insurance amount, the lower the insurance fee.

The user of the user terminal 10 selects one of the presented plans and sends the selection result to the insurance contract processing device 200 (S112). The contract certificate issuing unit 240 determines the insurance premium based on the selection result, and the settlement processing unit 250.
Let them settle the insurance premium. The payment processing unit 250 inquires about the credit card (S113). When the name of the applicant and the holder of the credit card do not match, an error occurs, and because the credit card cannot be verified, a message is sent to the user terminal 10 warning that the insurance contract cannot be established. When the credit card inquiry is successful, the contract certificate issuing unit 240 prints the contract certificate 64 by the printer 62 based on the selected insurance contract plan and mails it to the user of the user terminal 10 (S11).
4).

FIG. 13 is an explanatory diagram of the contract certificate 64. A contract certificate number for identifying a contract certificate is written in the field 710, a contract date is written in the field 712, a passport number of the insured person is written in the field 714, and information of the insured person is written in the field 720. In the field 730, the insurance contract content is described together with the insurance amount. Information of the policyholder is written in the field 740. Field 750 is a travel destination, field 752 is a travel purpose, field 7
In 54, the insurance period is described. A contract type is described in the field 756, and an insurance fee is described in the field 758. In the field 760, the recipient of the death insurance money is described. It is stated that the recipient of the death benefit is the legal heir of the insured. This is an essential statement to prevent the establishment of fraudulent insurance contracts in which a person other than the legal heir of the insured receives the death benefit. In the field 762, a code indicating a dealer is described.

In the above explanation, it is preliminarily checked whether the surnames of the applicant and the insured are the same, and if the applicant is not the insured's family, the insurance application is not established. An insurance contract may be allowed when the applicant and the insured are not family members, such as when traveling. In that case, even if the surnames of the applicant and the insured do not match,
Although the application process proceeds, the recipient of the death insurance claim is set to be the legal heir of the insured, so an accident that an insurance contract is established in which a person who is not the insured's family becomes the recipient of the insurance Can be prevented.

Further, in the above explanation, the insurance application is not accepted if there is at least one "yes" to the notified matter, but the risk factors of the insurance contract are analyzed based on the notified matter, and the insurance An insurance contract plan may be presented such as an extra charge or an additional contract.

When the user inputs the agency identification information, the information indicating the business performance of the corresponding agency may be updated. Mandatory input of agency identification information,
The insurance contract may not be applied when the agency identification information is not input.

In the above description, after the user inputs the application data, the risk of insurance transaction is judged and the insurance transaction candidate is presented, but first the insurance transaction candidate is presented to the user. The user may input necessary data for the insurance transaction candidate, judge the risk, and then present the insurance transaction candidate suitable for the user again.

As described above, according to the insurance transaction processing apparatus of the present embodiment, the insurance applicant or the insured person accesses the insurance application server of the insurance company through the public network, and the insurance application is made online. Contracts can be made, and insurance contracts can be made efficiently. In the case of travel insurance, in particular, insurance may be applied immediately before the trip. By making an online contract on the public network, it is possible to easily and quickly make an insurance contract.

Further, according to the insurance transaction processing apparatus of the present embodiment, information about travel such as travel destination, travel purpose, travel period, medical expenses by travel area, regional disparity such as theft damage rate, medical history, age, etc. Based on the information about the customer, the risk factors associated with the insurance contract are analyzed, and the candidate of the insurance contract plan according to the customer's needs is created and presented to the customer, so that the customer is compensated for the risk associated with the travel. You can choose the insurance policy of the content. Also, the insurance company can set an insurance premium commensurate with the risk associated with the insurance contract.

Further, according to the insurance transaction processing apparatus of the present embodiment, it is preliminarily checked whether the surnames of the applicant and the insured are the same, and when the applicant is not the insured's family,
It is possible to prevent the application of insurance from being completed, and it is possible to prevent accidents other than family members from entering into insurance contracts without permission. Furthermore, by setting the recipient data of death insurance money to the information indicating the legal heirs of the insured, it is possible to prevent accidents in which an insurance contract is established in which a person who is not the insured's family becomes the recipient of the insurance money. It can be prevented.

(Second Embodiment) A second embodiment of the present invention will be described. FIG. 14 is an overall view of a system including the insurance contract processing device of this embodiment. The insurance contract processing apparatus of the present embodiment is different from the insurance contract processing apparatus of the first embodiment in that the travel insurance contract certificate 64 applied by the customer can be received at an airport, a port, a bus terminal, or the like. The user of the user terminal 10 accesses the insurance application server 40 from the communication network 30, which is a public network, applies for insurance, and is notified of the identification number of the insurance policy when the insurance contract is established. The identification number of the insurance policy may be notified to the user terminal 10 via the communication network 30,
The customer may be notified by telephone, FAX, or the like. A customer goes to an airport or a port on a travel day, and receives a contract certificate 64 at an automatic accepting machine 300, which is an example of a highly secure terminal device installed at the airport, the port, the bus terminal, or the like. The automatic accepting machine 300 is connected to the office center computer 60 of the insurance company by a dedicated line and can receive the insurance contract information of the customer.

FIG. 15 is a functional block diagram of the automatic acceptance machine 300. The automatic acceptor 300 includes an identification information input unit 310.
And a collation result receiving unit 320 and a contract information receiving unit 330
And a contract certificate printing unit 340 and a paper feeding unit 350. The identification information input unit 310 causes the user to input the identification information of the insurance policy. The identification information of the insurance policy is information such as the identification number of the insurance policy notified to the user of the user terminal 10 when applying for insurance, the password number of the insured person, and the name of the insured person. The identification information is transmitted to the office center computer 60 by a dedicated line, and the office center computer 60 collates the identification information.

The collation result receiving unit 320 receives the collation result from the office center computer 60. If the verification result is incorrect, the user is warned that the insurance policy cannot be issued because the verification cannot be performed, and the insurance company is informed to inquire. The contract information receiving unit 330 receives the contract information transmitted from the office center computer 60 when the verification result is correct. The contract certificate printing unit 340 prints the contract content on the paper supplied from the paper feeding unit 350 based on the received contract information, and issues the contract certificate 64. Paper feed unit 35
0 stores special paper for printing the contract certificate 64 and supplies the special paper to the contract certificate printing unit 340. The paper feeding unit 350 is locked so that a person other than the administrator cannot illegally supply the special paper. Therefore, the contract certificate 64 printed on the special paper by the automatic acceptance machine 300 can have the same credit as the insurance policy mailed from the insurance company. It is preferable that the exclusive paper has an insurance company logo or watermark so that it cannot be easily counterfeited.

The automatic acceptor 300 may be installed at a major international airport in each country so that the traveler can issue the insurance policy not only in the country of departure but also in the country of arrival or transit. The automatic acceptor 300 may be installed at an insurance company counter, an assistant center, or the like at an airport or a port.

According to the insurance contract processing apparatus of this embodiment,
The customer connects to the insurance application server of the insurance company from the public network to apply for insurance, is connected to the insurance contract processing device of the insurance company by a dedicated line, and is installed in public places such as airports, ports, and bus terminals. It is possible to receive the issuance of insurance policies from a terminal device or a terminal device installed at an insurance company counter or an assistant center at an airport or a port. In the case of travel insurance, the traveler can receive the insurance policy at the airport before going out on the trip, and even if he / she applies for travel insurance immediately before the trip, he / she can receive the insurance policy promptly at the airport. In addition, the terminal device that issues the insurance policy is connected to the insurance contract processing device of the insurance company through a high-security network, and the insurance policy is printed on dedicated paper that is stored in the locked paper feed unit. High security can be secured even when installed in the location.

(Embodiment 3) A third embodiment of the present invention will be described. FIG. 16 shows the insurance contract processing device 4 of this embodiment.
1 is an overall view of a system including 00. In the system including the insurance contract processing device 400 of the present embodiment, the customer
The insurance contract processing apparatus 2 of the first embodiment is that an insurance application can be attached when purchasing real estate, securities, etc.
Different from 00. The configuration and function different from those of the first embodiment will be described, and the description of the same parts will be omitted. Hereinafter, a case where a customer purchases an airline ticket, an accommodation ticket, a travel tour, or the like and applies for travel insurance will be described. The customer connects to the agency server 20 from the user terminal 10 via the communication network 30. The agency server 20 is an example of a product purchase server that sells goods, real estate, securities, and the like. The agency server 20 has a WWW (World) that the user terminal 10 can access on the Internet.
Wide Web) server, and uses a highly secure communication method such as SSL (Secured Socket Layer) so that the customer can safely transmit personal information such as a credit card number. It is preferable to exchange data between them.

The user of the user terminal 10 is the agency server 2
0 to enter information such as travel destination, travel purpose, travel schedule, traveler's name and address, credit card information, etc., and apply for an airline ticket or travel tour. When the application for the air ticket or travel tour is completed, the agency server 20
Information for guiding travel insurance application is displayed on the user terminal 10. Link information to the insurance application server 40 is included in the travel insurance application guide information. The user of the user terminal 10 automatically connects to the insurance application server 40 and applies for insurance according to the link information to the insurance application server 40, for example, by clicking the link.

The user of the user terminal 10 is the agent server 2
Product information such as travel destination, travel purpose, travel dates, etc. entered by connecting to 0 and purchaser information such as purchaser's name, address, date of birth, credit card number, etc.
It is transmitted to the insurance application server 40 via 0 and taken over. Since the data to be transferred includes personal information such as a credit card number, the agency server 20 and the insurance application server 40 exchange the data to be transferred by using a highly secure communication method such as SSL (Secured Socket Layer). Preferably. Since the product information and the purchaser information are carried over to the insurance application server 40, the user of the user terminal 10 needs to re-enter the product information and the purchaser information when accessing the insurance application server 40 and applying for insurance. Absent. Further, the insurance application server 40 can create an insurance contract plan candidate based on the inherited product information.

FIG. 17 is a functional block diagram of the insurance contract processing device 400 of this embodiment. The difference from the first embodiment is that the application data input unit 210 is replaced with the purchase information input unit 212. The components designated by the same reference numerals are the same as those of the transaction processing apparatus 200 of the first embodiment, and therefore the description thereof is omitted.

The purchase information input section 212 is the agency server 2
The information of the purchased product and the information of the purchaser are received from 0 through the communication network 30. Since the information of the purchased product is obtained in advance, it is not necessary for the user of the user terminal 10 to input the product information such as the destination, the purpose of travel, the travel schedule, and the purchaser information such as the purchaser's name and address. .

Further, based on the product information and the purchaser information,
Risk factors of insurance contracts can be analyzed, and insurance contract plans that meet the needs of users can be presented. For example, when travel information such as whether or not a rental car is used at the destination is received from the agency server 20, it is possible to create a plan accompanied by a vehicle driver liability special provision.

FIG. 18 is a flow chart of insurance contract processing. The purchase information input unit 212 receives the purchase merchandise information and the purchaser information from the agency server 20 and takes over (S
98). FIG. 19 is an explanatory diagram of product purchase information displayed on the user terminal 10 when a user purchases a product on the agency server 20. The user has purchased a travel tour and the name of the purchaser, field 85, is entered in field 850.
2, the purchaser's date of birth, the purchaser's passport number in the field 854, the travel destination in the field 802, the travel period in the field 804, and the travel purpose in the field 806 are described. In field 808, the user has purchased an economy class ticket, field 81
0 describes that a car rental application has been made.
The purchased product information and the purchaser information are transmitted from the agency server 20 to the insurance application server 40 and taken over. Information not displayed on the screen, such as credit card information and purchaser's travel tour purchase history, may be passed from the agency server 20 to the insurance application server 40.

Along with the purchase of the travel tour, a message prompting a contract for travel insurance is displayed, and a link 800 to the insurance application server 40 is displayed. The user connects to the insurance application server 40 by clicking the link 800, and the product purchase information and the purchaser information are transmitted to the insurance application server 40 and taken over.

Returning to FIG. 18, description will be made. The insurance application server 40 presents a standard insurance contract plan based on the inherited product purchase information and purchaser information (S99).
Next, the same notification item input process as in the first embodiment (S1
00). The purchase information input unit 212 transmits the inherited application data to the user terminal 10 to display the application data, allows the user of the user terminal 10 to confirm the application data, and causes the user to input the insufficient data necessary for insurance application (S105). The following processing flow is the same as that of the first embodiment, and therefore its explanation is omitted. In FIG. 20, the transaction presenting unit 230 has the user terminal 10
It is explanatory drawing of the insurance contract plan presented to FIG. An insurance contract plan created by judging risks from product information such as travel destination, travel period, and travel purpose taken over from the agency server 20 can be given. As a rental car is used for traveling to the United States, car driver liability is incidental, and since the United States is highly aware of liability, a plan with increased liability is presented. In addition, the insurance premium for the insurance period covering the travel period is presented.

In the above description, the contract certificate issuing unit 240
Has printed the insurance policy on the insurance company's special paper, but may print the insurance policy on the ticket purchased by the customer.

Further, in the above description, the insurance contract processing system which can apply for travel insurance when a customer purchases an airline ticket or a travel tour at a travel agency has been described, but the embodiment is not limited to this. I can't. When a customer applying to buy a car at a car dealer's server applies for car insurance, he / she purchases real estate, and when he / she applies for renters' compensation, fire insurance for household items, etc., he / she purchases cars, home appliances, computer equipment, etc. When applying for a repair warranty or extended repair warranty contract attached to, when applying for insurance against theft or damage to products when making expensive purchases on the Internet online sales server, when applying for a rental car on the Internet Goods, real estate, securities, etc. when applying for automobile insurance such as personal liability compensation such as liability, object compensation, passenger compensation, vehicle compensation, etc., when applying for insurance for financial products when purchasing various financial products on the Internet, etc. When applying with various types of insurance accompanying the purchase of Using, it is possible to link the goods, real estate, the purchase and the insurance application of the securities.

As described above, according to the insurance contract processing apparatus of this embodiment, when a customer purchases a product through online shopping or the like, the customer can apply for insurance that matches the purchased product. Since the product information and the purchaser information are carried over to the insurance contract processing device, it is possible to save the trouble of re-entering the product information and the purchaser information. Also, based on the product information,
Since the insurance contract plan suitable for the purchased product is presented, the customer can easily and efficiently make an optimal insurance contract when purchasing the product.

(Embodiment 4) A fourth embodiment of the present invention will be described. The insurance contract processing devices of the first, second, and third embodiments may be realized by a general-purpose computer. Figure 2
FIG. 1 is a block diagram showing the hardware configuration of a general-purpose computer 600. In FIG. 21, the computer 6
00, CPU 602 is ROM 604 and RAM 606
It operates based on the program stored in. The input device 608 allows a user of the computer 600 to input data and commands. A hard disk drive 610, which is an example of a storage device, includes setting information and C
The program in which the PU 602 operates is stored.

The floppy disk drive 614 reads data or a program from the floppy (registered trademark) disk 624 and provides it to the CPU 602. CD-R
The OM drive 616 reads data or programs from the CD-ROM 626 and provides them to the CPU 602. The communication interface 618 connects to the communication network 30 to send and receive data. The database interface 612 is connected to various databases 622 to send and receive data in the databases. Further, the computer 600 has an interface for connecting to the display 628 and can display a screen for inputting information on the display 628.

The software executed by the CPU 602 is
The data is stored in a recording medium such as the floppy disk 624 or the CD-ROM 626 and provided to the user. The software stored in the recording medium may be compressed or uncompressed. The software is installed from the recording medium to the hard disk drive 610, and the RAM 606
Read out and executed by the CPU 602.

The software stored in the recording medium and provided, that is, the software installed in the hard disk drive 610, has a functional configuration including an application data input module or a purchase information input module, an illegal contract prevention module, and risk judgment. It has a department module, a transaction presentation module, a contract certificate issuing module, a settlement processing module, a communication interface 260, and a database interface 270. Each module works on the computer 600, and the CPU 60
Since the processing to be performed by No. 2 is the same as the function and operation of the corresponding members in the insurance contract processing apparatuses of the first, second and third embodiments, respectively, description thereof will be omitted.

A floppy disk 624 or a CD-ROM 626 as an example of a recording medium shown in FIG. 21 has a part or all of the functions of the insurance contract processing apparatus according to all the embodiments described in the present application. Can be stored.

These programs are read directly from the recording medium.
It may be read out to the AM and executed, or once installed in the hard disk drive and then read out to the RAM and executed. Further, the program may be stored in a single recording medium or a plurality of recording media. Further, it may be stored in an encoded form.

As the recording medium, a floppy disk,
In addition to CD-ROM, optical recording media such as DVD, MD
And the like, a magneto-optical recording medium such as a PD, a tape medium, a magnetic recording medium, a semiconductor memory such as an IC card and a miniature card, and the like can be used. Further, a storage device such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet may be used as a recording medium, and the program may be provided to the insurance contract processing device via the communication network. Such a recording medium is used only for manufacturing an insurance contract processing device, and the manufacture and sale of such recording medium as a business constitutes infringement of the patent right based on the present application. Is clear.

Although the embodiments have been described above, the technical scope of the present invention is not limited to these descriptions. It is understood by those skilled in the art that various changes or improvements can be added to these embodiments. An example of such a change will be described. Although the insurance contract processing apparatus has been described above as an example of the contract processing apparatus of the present invention by taking a travel insurance contract as an example, the contract processing apparatus can also be used for insurance contract processing of other various insurances. Further, it can be used not only for insurance contract processing but also for contract processing in transactions such as goods and securities. The risk of the contract is judged and the user terminal user makes a contract to apply, and the processing associated with the contract is executed. be able to. In the above, as a payment method, we explained the case of connecting to the network of the credit card company and paying by credit card, but connect to the network of banks, post offices, etc. to transfer by cash card and pay by debit card. You may

Although the present invention has been described using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. Various changes or improvements can be added to the above-described embodiment. A mode in which such changes or improvements are added may be included in the technical scope of the present invention.
It is clear from the description of the claims.

[0095]

As is apparent from the above description, according to the present invention, it is possible to easily and efficiently carry out insurance contracts associated with the purchase of products.

[Brief description of drawings]

FIG. 1 is an overall view of a system including an insurance contract processing device of the present embodiment.

FIG. 2 is a functional configuration diagram of an insurance contract processing device 200.

FIG. 3 is an explanatory diagram of customer information stored in a customer database 52.

FIG. 4 is an explanatory diagram of contract information stored in a contract database 54.

FIG. 5 is a flowchart of processing from application for insurance to issuance of insurance policy.

FIG. 6 is a flowchart of an application data input process S106.

FIG. 7 is a flowchart of a security check process S107.

FIG. 8 is an explanatory diagram of a notification item input screen displayed on the user terminal 10.

9 is an explanatory diagram of an application data input screen displayed on the user terminal 10. FIG.

FIG. 10 is a risk factor analysis table used by the risk determination unit 220.

FIG. 11 is an insurance premium deciding factor table used by the risk judging unit 220.

FIG. 12 is an explanatory diagram of an insurance contract plan displayed on the user terminal 10.

FIG. 13 is an explanatory diagram of a contract certificate 64.

FIG. 14 is an overall view of a system including an insurance contract processing device of the present embodiment.

FIG. 15 is a functional configuration diagram of the automatic underwriter 300.

FIG. 16 is an overall view of a system including an insurance contract processing device 400 of this embodiment.

FIG. 17 is a functional configuration diagram of transaction processing apparatus 400.

FIG. 18 is a flowchart of insurance contract processing.

FIG. 19 is an explanatory diagram of product purchase information displayed on the user terminal 10 when a user purchases a product on the agency server 20.

FIG. 20 is an explanatory diagram of an insurance contract plan presented by the transaction presenting unit 230 to the user terminal 10.

FIG. 21 is a block diagram showing a hardware configuration of a general-purpose computer 600.

[Explanation of symbols]

10 user terminal 20 agency server 30 communication network 40 insurance application server 50 data servers 52 Customer Database 54 Contract Database 60 Office Center Computer 62 printer 64 contract certificate 70 Host computer 80 Gateway 90 credit card company server 100 CAFIS 200,400 Insurance contract processing device 210 Application data input section 212 Purchase Information Input Section 218 Illegal Contract Prevention Department 220 Risk Judgment Department 230 Transaction Presentation Department 240 Contract Certificate Issuing Department 250 Payment Processing Department 260 communication interface 270 database interface 300 automatic acceptor 310 identification information input unit 320 matching result receiving unit 330 Contract information receiving unit 340 Contract certificate printing unit 350 paper feeder

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 17/60 340 G06F 17/60 340 B41J 29/00 ZEC B41J 29/38 Z 29/38 29/00 ZECZ (72) Inventor Masao Takeda 1-3-3 Marunouchi, Chiyoda-ku, Tokyo Air You Insurance Company (72) Inventor Akira Tashiro 1-3-3 Marunouchi, Chiyoda-ku, Tokyo Air You Insurance Company (72) Inventor Kazumi Narumi 1-3-3 Marunouchi, Chiyoda-ku, Tokyo AIU Insurance Company (72) Inventor Junko Goto Marunouchi, Chiyoda-ku, Tokyo 1 chome 1 No. 3 in AI Insurance Company (AI Insurance Company) (72) Inventor Takahiro Negishi 1-31 Marunouchi, Chiyoda-ku, Tokyo AI YOU Insurance Company (AI Insurance Company) F-term (reference) 2C061 AP01 BB17 CL10

Claims (2)

[Claims] 1. A contract certificate issuance whereby a user of a terminal connected to a public line communicates with a contract processing device to carry out a transaction and a transaction contract certificate can be issued from a dedicated device installed in a public place. A system for connecting to a user's terminal via a public line and notifying the terminal of an identification number of a contract certificate, and connecting to the contract processing device via a dedicated line, A dedicated device installed in a public place that can be used by the dedicated device, wherein the dedicated device allows the user notified of the identification number to input identification information including the identification number, and the contract. A verification result receiving unit that receives the success or failure of the verification of the identification information from the processing device; a contract information receiving unit that receives the content of the contract certificate identified by the identification information when the verification is successful; A dedicated paper for printing the contents of the certificate is stored and a paper feed unit for feeding the exclusive paper, and the contents of the contract certificate are printed on the special paper fed by the paper feed unit based on the contents of the contract certificate. A contract certificate issuing system, comprising: 2. The contract certificate issuing system according to claim 1, wherein the paper feed unit is provided with a key so that a third party cannot replace the special paper.