JP2003296569A - Business guide system for insurance contract - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a business guide system for insurance contract whereby insurance contract business, preservation business, and contract alteration procedure can be performed promptly and safely on the Internet without known to others which can be used as a practical business training program of insurance business by a computer terminal. <P>SOLUTION: A manual is made for the explanation of the contract content and the alteration procedure, and is stored in the computer terminal. When an insurance recruiter or an insurance contractor inputs required items, a next step is started. When a final manual is inputted, all of the contract content is sent to an authorization computer of an insurance company by the terminal. The authorization computer transmits the checked content to the terminal after checking whether the transmitted content is complete or not. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a training program for insurance business using a LAN system in which computer terminals are connected to each other, or to execute an actual insurance contract conclusion change or the like using the Internet on a computer terminal. Business guide system that can

[0002]

[Prior Art and its Problems] Conventionally, in order to conclude or change an insurance contract, an insurance policyholder visits an insurance company or an agency, or
Contracting and changing work were done by filling out and signing the necessary documents through an insurance company as prescribed by the insurance company, but the number of documents is very large and Since explanations and cautions are also highly specialized, it is very difficult for insurance policyholders to become familiar with all insurance contracts and change procedure manuals, and it is very difficult for insurance policyholders to cause unexpected damages due to incorrect contracts. There were many problems such as the possibility of suffering. Of course, the insurance company side also had the problem that a large amount of investment and time would be required to train all insurance solicitors to the expert level, which would lead to an increase in insurance premiums.

By the way, in recent years, the use of mobile terminals and the Internet has become widespread, and insurance companies and agents also open their own homepages on the Internet to introduce company outlines and business contents. Therefore, it is convenient if the contract applicant can change the insurance contract on such a homepage. In this case, since the insurance contract processing is performed on the public Internet, a system that is reliable in terms of security is an absolute requirement for introduction.

[0004] Further, if there is a doubt about the existence of a contract or the contents of a contract later, it is desired to be able to confirm and prove those matters.

The present invention was devised in view of the present situation, and its purpose is to use a computer terminal to provide a practical training program for insurance business or on the Internet. Based on your own will, you can quickly and safely carry out insurance contract work and maintenance work without being known to others, and you can also obtain data on the history of procedures that you took when changing the contract. It aims to provide a business guide system for insurance contracts that can be left.

[0006]

In order to achieve the above-mentioned object, the invention according to claim 1 is a computer system in which a business guide system for insurance contracts, etc. It is configured so that it can be moved to the next step by storing it in the storage means of the terminal and manually entering the necessary items by the insurance solicitor or insurance policyholder, and when the final manual input is completed , Send all of the contract content to the insurance company's approval computer via the computer terminal, and the approval computer checks the transmitted contents for any insufficiency,
By transmitting the check content to the computer terminal, it can be used as a practical training program for insurance business, or can actually establish an insurance contract over the Internet or change the insurance content. It is what

According to the business guide system for insurance contracts and the like configured as described above, the insurance contract is changed by transmitting and receiving data to and from the user through the network. That is, first, the user inputs necessary items in the presented input form. Next, the contract content confirmation data including the entered items is presented to the user (insurance provider or insurance contractor), the user confirms the content, and the content and processing time of a series of insurance contract processing are log data. Is recorded as.

[0008] Therefore, it is possible to easily carry out an insurance contract or a change procedure such as a change of the recipient of the insurance money through the network, and log data regarding the processing performed therefor is recorded and the subsequent certification is made. It can be used for etc.

According to a second aspect of the present invention, in the business guide system for insurance contracts and the like according to the first aspect, an input form is presented to request the user to input necessary items.
Requesting means, second requesting means for creating contract content confirmation data including the inputted necessary items and presenting it to the user to request the attachment of an electronic signature, and requesting the designation of a payment method such as insurance premium. Third requesting means, contract confirming means for establishing an insurance contract based on the content confirmation data to which the user has attached an electronic signature, and designation of the payment method, and contract content data is created when the insurance contract is established. Then, a completion notifying unit for notifying the contract completion by attaching the electronic signature to the user, the first requesting unit, the second requesting unit,
Log recording means for recording, as log data, the contents of the processing and the processing time performed by the third requesting means, the contracting means, and the completion notifying means.

According to the business guide system for insurance contracts and the like configured as described above, the insurance contract can be changed by transmitting and receiving data to and from the user through the network. Then, the contract content confirmation data including the changed items is presented to the user, and the user confirms the content and attaches an electronic signature in the meaning of agreement. The user can also specify the insurance payment method. In this case, it is desirable that the user can specify, for example, insurance money, benefits, or policyholder loan as the subject for which payment can be made to the insurance company. The insurance contract is changed based on the contract content confirmation data to which the electronic signature is attached and the insurance premium payment method is designated as necessary, and the user is notified of the change. The contents and processing time of this series of processes are recorded as log data.

According to a third aspect of the present invention, in the business guide system for insurance contracts or the like according to either of the first or second aspects, there is provided a security creation means for creating security data for the established insurance contract. And a transmission means for transmitting the securities data and the log data to a user. This allows the user to hold the security in the form of data. Further, since the user also holds the log data, it is possible to save the change or update record of the insurance contract procedure performed by the user.

According to a fourth aspect of the present invention, in the business guide system for insurance contracts and the like according to the third aspect, a signature means for attaching an electronic signature to the securities data and the log data is provided before the transmission by the transmission means. It is characterized by being provided. As a result, the user can determine whether the security data and the log data sent to the user are authentic.

The invention according to a fifth aspect is the first to the fourth aspects.
In the business guide system for insurance contracts, etc., a browsing processing means for receiving a browsing request for the contents of the insurance contract, attaching an electronic signature to the contract content data, and transmitting it to the browsing requester. It is characterized by being provided.

The invention according to a sixth aspect is the first to fifth aspects.
In the business guide system for insurance contracts, etc., according to a request from an insurance company, an electronic signature is attached to the contract content data, and an original transmission means for transmitting to the insurance company as contract original data, Means for receiving receipt data with the electronic signature of the insurance company. This allows the original data to be stored in the insurance company. Further, by returning the receipt data with the electronic signature, the insurance company can certify that the original data is surely received.

According to a seventh aspect of the invention, in the business guide system for insurance contracts and the like according to the sixth aspect, the log data is electronically signed according to a request from the insurance company, and the insurance company It is characterized by comprising a log transmitting means for transmitting to. As a result, the insurance company can acquire not only the contract original data but also the log data of the processing executed at the time of the contract.

According to an eighth aspect of the present invention, in the business guide system for insurance contracts or the like according to the first or second aspect, the log data is transmitted to a user's terminal device through the network. It is characterized by comprising means. As a result, the user can retain log data of the processing performed during the insurance contract and confirm it when necessary.

According to a ninth aspect of the present invention, in the business guide system for insurance contracts and the like according to the eighth aspect, the terminal device of the user stores the received log data in an external storage medium. To do. As a result, the user can save the log data in the external storage medium owned by the user.

According to a ninth aspect of the present invention, in the business guide system for insurance contracts or the like according to the first or second aspect, the second requesting means is a predetermined type of electronic device. It is characterized in that the signature is requested. As a result, it is possible to request the addition of a valid electronic signature only for predetermined items.

The invention according to claim 11 is the business guide system for insurance contracts or the like according to claim 1 or 2, wherein the original data of the content confirmation data, backup data of the content confirmation data, and Means for storing all or at least one of the digital signature data,
Means for providing existence certification data of the stored data based on a request from the outside. Thereby, the user or the insurance company can obtain the proof of existence of the data stored by the request.

[0020]

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

FIG. 1 shows a schematic configuration of a business guide system for insurance contracts according to an embodiment of the present invention. Note that the following embodiment will be described by taking as an example a case where the contractor changes the content of the insurance contracted by the contractor due to marriage.

As shown in the figure, a business guide system for insurance contracts and the like is constructed by connecting a client terminal 3 and a server 2 of an insurance company via a network 1. The most preferable example of the network 1 is the Internet.

The client terminal 3 is a terminal used by a user (insurance contractor) who desires to change the insurance contract,
It can be installed in the user's home or office. Further, a printer 5 is connected to the client terminal 3 so that an entry document can be printed out if necessary.

In FIG. 1, an insurance company is a company that handles insurance contracts of users, and performs various procedures with users via the network 1. Then, after changing the contract, necessary data etc. are sent to the database 4 of the insurance company.

The insurance company has a database 4 managed by the insurance company. The database 4 stores the data of the input form for the user to input the information necessary for the insurance contract change procedure. There are many items that the user should select / input when changing the contract, but these are prepared as one constituent module for each related unit and stored in the database 4. For example, items regarding address / name, insurance payment information, and the like are prepared as individual configuration modules. The individual form modules are read from the database 4 and combined to form an input form, which is presented to the user.

Further, the insurance company server 2 records the processing content and time as log information every time some processing is performed while the user's insurance enrollment procedure is in progress. This log information can be used later as proof when the contract content becomes a problem. The recording of the log information will be described later in detail.

Next, the flow of the procedure when a certain user changes the contract will be described.

First, it is confirmed whether or not the user performs the insurance change procedure on the Internet. This can occur in various situations. For example, after the user connects to the insurance company server 2 via the client terminal 3 and the network 1 and completes the change of the insurance content on the Internet, it is automatically determined whether another insurance content change process is performed subsequently. You can ask. Further, as another example, the user can access the insurance company server for the purpose of insurance change and perform the insurance change procedure. In any case, when the user selects the item "Yes" to indicate that the contract change procedure is to be performed, the client terminal 2 automatically connects to the insurance company server 3 and changes under the server process of the insurance company. The procedure will proceed.

When the client terminal 3 is connected to the insurance company server 2, an input form for the user to input the items necessary for changing the contract is displayed. For example, as shown in FIG. 2, these are presented to the user so that each change item can be selected on the menu screen regarding the change items of the insurance contract. As described above, these are stored in the database 4 as individual constituent modules. Also, an input form on one input screen can be configured as a combination of a plurality of configuration modules. Although each screen displays only the name of the item desired to be changed in a menu type, in reality, an input box or selection branch for each item is displayed, and the user inputs.

Next, the user inputs necessary information when changing the contract according to the instruction on the screen. Insurance company server 2
Receives the input items and presents the change confirmation screen to the user to prompt the user to confirm the contents. If the contents are correct, the user is requested to make an electronic signature.

The user confirms the displayed contract details and, if correct, gives an electronic signature in the sense of agreement. Electronic signatures are generally performed as follows. Signer (user here)
Encrypts the target data (change confirmation data here) with the signer's private key. The data obtained by this encryption is transmitted as an electronic signature together with the target data. The receiving side (here, the company A server) has the public key of the signer in advance, and obtains the processing result by decrypting the electronic signature with the public key. In addition, the received modification confirmation data is encrypted to create a processing result, which is compared with the processing result obtained from the electronic signature. If both match, it is confirmed that the document is from the signer.

Next, the insurance company server 2 receives the modification confirmation data with the electronic signature from the user, decrypts it with the public key, and confirms whether or not the user has surely signed. This can prevent a person other than the person himself / herself from changing the insurance content to another person.

The insurance company server 2 receives this data, decrypts it, and confirms that it is the data from the user. After that, the changes are examined and the success or failure of the contract change is determined. If there is no problem in the contents, the contract is changed and the contract completion notification data is created. The contract completion notification data includes the contract content in addition to the contract number. Then, the contract completion notification data is attached with the electronic signature of the insurance company server, temporarily stored as the contract original data, and the copied data is transmitted to the client terminal 3.

The user receives the contract completion notification data with the electronic signature. The electronic signature of the insurance company indicates that the insurance company has made the insurance contract, and the user can confirm the establishment of the insurance contract by decrypting it with the public key of the insurance company. .

After that, the insurance company server 2 sends the information to the user using a communication means such as an electronic mail in order to confirm that the contract has been established and the contents of the contract. The user can also confirm the contract change and contract contents by the confirmation email.

In the above processing, the insurance company server 2 successively records the contents and time of the change procedure / processing performed by the insurance company server itself and the user. That is, the time when the insurance company server 2 presents the change content 1 to the user, the time when the user inputs and returns the necessary information, the time when the user attaches an electronic signature to the contract content confirmation data, and the like. Are recorded and retained. Then, the insurance company server 3 stores this log information together with the contract content data in the database 4
Etc. In addition, securities data is created based on the contract contents, the above log data is attached to this, the electronic signature of the insurance company is attached, and it is transmitted to the user.

The user receives the securities data and the log data. The attached electronic signature can prevent a third party from illegally tampering with the contents after transmission from the insurance company. This log data is a log record of the procedure / process performed by the insurance company server and the user in the above-mentioned insurance change procedure, and includes the contents and time of each procedure / process. This log data can serve as one means of proving that the modified insurance policy is valid. The user can save the received log data in his or her own recording device and keep a record of the procedure.

Further, the insurance company confirms the contract original data using its own server 2. Further, since the electronic signature of the insurance company is attached to the log data, it means that the proof of the insurance company has been obtained that the contents of the log recording were executed.

The data to be digitally signed can be determined according to the signature subject. For example, by signing the contract content confirmation data, the user can indicate that the user has approved the contract content. Further, the data after the signature is further signed by the insurance company, so that it can be shown that the insurance company has surely dealt with the contract with the user. Further, if the insurance company signs only the log data of the procedure up to the contract, it has the meaning as the proof of existence of the processing that each procedure shown in the log data is performed at each time.

Further, the electronic signature can be attached in units of items entered by the user, instead of in units of events such as confirmation of change in contract contents and notification of contract completion. For example, of the payment method information entered by the user, the electronic signature may be attached only to the credit card number. In this case, only the credit card number data is encrypted.

Furthermore, when the signature subject possesses a plurality of electronic signatures of different certificate authorities, the insurance company server can request the user to attach a specific signature. For example, when the user desires to withdraw a bank account as a method of paying the insurance premium, it is possible to validate only the electronic signature registered in advance for the bank account. This is the same idea as a bank seal.

Whether or not the user should attach the electronic signature can be set in advance on the insurance company server side according to the item, or can be arbitrarily set by the user. For example, a signature for a contract type or the like may be optional because the importance is somewhat low, and a payment card number or the like having high importance may be required to have an electronic signature.

The key data required for the user to make a digital signature is stored in the user's storage medium in advance, and automatically when the user inputs a signature instruction to the client terminal 3. It is possible to read the key data from such a storage medium and sign it. Alternatively, the user can read the target data to which the electronic signature is attached into the recording device of the user, create an electronic signature in the recording device, and then send the signature data to the insurance company server 2. This method is excellent in security because it is not necessary to move the key data of the user to a device other than the recording device.

In the above embodiment, the present invention has been described by exemplifying the case where the contractor modifies the contents of the insurance contracted by himself / herself, but the present invention is not limited to this. Instead, it is possible to deal with other changes in various insurance contents such as creation of a new insurance contract and change of insurance recipient by creating similar manual data. Of course, in this invention, with this system,
It can also be used as a practical training program for insurance business, in which case training costs can be significantly reduced,
Moreover, it is possible to carry out efficient practical training.

[0045]

As described above, according to the present invention,
Training costs can be greatly reduced, and efficient practical training can be carried out. In addition, it is possible to actually and easily make an insurance contract via the Internet. Since an electronic signature is attached to important contents and actions, the contract can be changed safely and surely. Furthermore, the insurance company records and retains information such as the actions taken by itself, users and other institutions and their time as log data in the procedure of the contract, and there is a doubt about the existence of the contract or the contents of the contract later. In this case, the log data can be used for proof.

That is, according to the business guide system for insurance contracts and the like according to the present invention, by using a computer terminal,
Can be used as a practical training program for insurance business, or through the Internet, based on one's own will, without any other person knowing, free will, swift and safe insurance contract business and maintenance You can do business, and you can also leave data on the history of procedures that took place when changing contracts.

[Brief description of drawings]

FIG. 1 is a diagram showing a schematic configuration of a business guide system for insurance contracts and the like according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of a screen presented to a user in an insurance contract procedure.

[Explanation of symbols]

1 Internet 2 insurance company server 3 client terminals 4 database 5 printers

Claims (11)

[Claims] [Claim 1] A procedure for explaining and changing the contents of an insurance contract is made into a manual, stored in a storage means of a computer terminal, and an insurance solicitor or an insurance contractor manually inputs necessary items to It is configured so that it can proceed to the step, and when the input of the final manual is completed, all the contract contents are transmitted to the approval computer of the insurance company via the computer terminal, and the approval computer, After checking whether the contents are incomplete, by sending the check contents to the computer terminal, it can be used as a program for practical training of insurance contracts, or by actually establishing an insurance contract via the Internet, or Is a business guide system for insurance contracts, etc. characterized by changing the insurance content. 2. The first requesting means for presenting an input form and requesting the user to input necessary items when concluding the contract or changing the contract contents through the network, and the input required items. A second requesting means for creating contract content confirmation data including the presenting and presenting it to the user to request an electronic signature, a third requesting means for requesting a payment method such as insurance payment, and a user's electronic signature. A means for establishing an insurance contract based on the content confirmation data and the designation of the payment method, and when the insurance contract is established, the contract content data is created, electronically signed and transmitted to the user. By means of completion notification means to notify the contract completion by
The business guide system for insurance contracts, etc. according to claim 1, comprising: 3. A policy creating means for creating policy data for the established insurance contract, and a sending means for sending the policy data and the log data to a user. A business guide system for insurance contracts, etc. according to claim 2. 4. The business guide system for insurance contracts, etc. according to claim 3, further comprising a signature means for attaching an electronic signature to the securities data and the log data before transmission by the transmission means. 5. A browsing processing means for receiving a browsing request for the content of the insurance contract, attaching an electronic signature to the contract content data, and transmitting the electronic signature to the browsing requester. Business guide system for insurance contracts, etc. described in any of 4 above. 6. An original transmission means for electronically attaching the contract content data to the insurance company in response to a request from an insurance company, and an electronic signature of the insurance company. 6. A business guide system for insurance contracts, etc. according to any one of claims 1 to 5, further comprising means for receiving receipt data. 7. The insurance contract and the like according to claim 6, further comprising a log transmission unit for attaching an electronic signature to the log data and transmitting the log data to the insurance company in response to a request from the insurance company. Business guide system. 8. The business guide system for insurance contracts or the like according to claim 1, further comprising means for transmitting the log data to a terminal device of a user through the network. 9. The business guide system for insurance contracts according to claim 8, wherein the terminal device of the user stores the received log data in an external storage medium. 10. The business guide system for insurance contracts and the like according to claim 2, wherein the second requesting unit requests the addition of a predetermined type of electronic signature. 11. A means for storing all or at least one of the original data of the content confirmation data, the backup data of the content confirmation data, and the electronic signature data,
A means for providing existence proof data of the stored data based on a request from the outside, and a business guide for insurance contracts or the like according to claim 1 or 2. system.