JP2006039792A - Home contents insurance contract system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a home contents insurance contract system that allows efficient insurance contract business by reducing the amount of such troublesome work as filling in application forms or exchanging between an insurance company and contractors by mail. <P>SOLUTION: The home contents insurance contract system includes an Internet-connected insurance agent terminal installed in an agent for home contents insurance that is the insurance against rented buildings or home contents in rented buildings; an insurance server for sending and receiving data to and from the insurance agent terminal via the Internet; and an insurance database for accumulating information about insurance contracts signed between the insurance agent terminal and the insurance server. A program in the insurance server is used to conduct insurance contract business such as applying for home contents insurance or making changes to contracts between the server and the terminal, and the insurance database is used to manage the insurance contract information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a household property insurance contract system for making an insurance contract for rental buildings and household items in the rental buildings.

  In the past, insurance contracts for rental buildings and household goods in rental buildings have been sent to insurance agents by contractors who wish to have insurance contracts, and handwritten in application forms while referring to insurance brochures, etc. That was the first application. The handwritten application form is sent by mail from the insurance agent to the insurance company, and the confirmation result at the insurance company is notified to the insurance agent by mail. If there is no problem, the insurance premium is paid. The contract is finalized. All documents such as enrollment certificates are also sent by mail to insurance agents or contractors.

In addition, when an accident such as a fire occurs and claims insurance payment, the contractor prepares an invoice and necessary documents and sends it to the insurance company via the insurance agent. The insurance company that received the invoice or the like determines whether or not the payment conditions are met, and informs the insurance agent or the contractor by mail whether the payment is possible. If payment is possible, insurance money is paid to the contractor.
In addition, since this prior art is not related to literature public knowledge, there is no prior art literature information to be described.

  However, since conventional procedures for applying for household insurance and claiming insurance claims were performed by mail between the contractor, insurance agent, and insurance company, it took time until the insurance contract was finalized.

  The present invention has been made in view of such circumstances, and is a household property capable of efficiently carrying out insurance contract work by reducing complicated work such as application application and mail exchange between the insurance company and the contractor. To provide an insurance contract system.

  The home property insurance contract system according to claim 1 is installed in a home insurance insurance agent that is an insurance for rental buildings or household goods in the rental building, and is connected to the Internet with an insurance agent terminal and an insurance agent on the Internet. An insurance server that exchanges data with the store terminal, and an insurance database that accumulates insurance contract information exchanged between the insurance agent terminal and the insurance server. The insurance contract business such as insurance application for home property insurance and contract change is performed between the two, and the insurance contract information is managed in the insurance database.

  The household property insurance contract system according to claim 2 is characterized in that a reinsurance data base is connected to the insurance database, the insurance contract information is shared, and the household property insurance can be reinsured.

  In the household property insurance contract system according to claim 3, the insurance agent terminal includes signature input means for taking in the signature of the contractor as image information, and transmits the image information of the signature from the insurance agent terminal to the insurance server. An insurance application form in which image information and insurance contract information are integrated is sent from an insurance server to an insurance agent terminal.

  The property insurance contract system according to claim 4 is connected to a property information database in which property information of real estate is registered to the insurance server, and can search and confirm property information at the insurance agency terminal via the insurance server. It is characterized by.

  The house property insurance contract system according to claim 5 is characterized in that the property information includes the possibility of contract for the house property insurance.

  The household property insurance contract system according to claim 6 is characterized in that a registrant of an insurance agent who can access the insurance server can perform an insurance contract business with the insurance server only for an insurance contract handled by the insurance agent.

  The household property insurance contract system according to claim 7 is characterized in that a document relating to an insurance contract business in which insurance contract information is described can be printed at an insurance agent terminal by a program in the insurance server.

  The household property insurance contract system according to claim 8 is capable of displaying the progress of the procedure from the reception of the report of the occurrence of an accident to the payment of insurance money on the insurance agent terminal by a program in the insurance server. .

  According to the invention of claim 1, since the insurance contract service can be performed between the insurance agent terminal and the insurance server via the Internet network, the exchange between the insurance company and the contractor by filling in the application form or mailing. This makes it possible to reduce the troublesome work and efficiently carry out insurance contract work.

  According to the invention of claim 2, by connecting the reinsurance database to the insurance database, the insurance contract information can be easily shared and reinsurance can be performed, and the reliability of the household insurance can be improved.

  According to the invention of claim 3, the image information of the signature is transmitted from the insurance agent terminal to the insurance server, and the insurance application form in which the image information of the signature and the insurance contract information are integrated is sent from the insurance server to the insurance agent. Since it is sent to the terminal, it is not necessary to exchange the handwritten name or stamped document by mail, thereby reducing the cost of mailing and the like and shortening the processing time.

  According to the invention of claim 4, it is possible to accurately grasp the property by accessing the property information database and acquiring the property information, and the real estate agent recommends home insurance while referring to the property. Improvement is achieved.

  According to the invention of claim 5, it is possible to confirm whether or not a contract for household goods insurance is possible without waiting for the examination of the insurance company by referring to the property information database, and the insurance contract business can be efficiently advanced. It is.

  According to the invention of claim 6, a registrant of an insurance agent who can access the insurance server can perform insurance contract work with the insurance server only for insurance contracts handled by the insurance agent, thereby ensuring security. It is done.

  According to the invention of claim 7, since the document related to the insurance contract business in which the insurance contract information is described can be printed at the insurance agent terminal by the program in the insurance server, the mailing business of the document is abolished, Costs such as postage can be reduced.

  According to the invention of claim 8, since the inquiry about the progress of the accident processing can be reported to the policyholder in a timely manner at the insurance agent, the insurance company, the insurance agent and the policyholder can be provided without any concern for the policyholder. It is possible to maintain a good trust relationship.

  Hereinafter, embodiments of the present invention will be specifically described with reference to the drawings. The household property insurance contract system in the form of the present invention makes a contract for household property insurance, which is insurance for rental buildings and household items in the rental buildings.

  FIG. 1 is a block diagram showing an embodiment of a household property insurance contract system according to the present invention. FIG. 2 is an explanatory diagram showing the operation of the household goods insurance contract system. FIG. 3 is an explanatory diagram showing a screen for selecting an insurance plan of the household goods insurance contract system, FIG. 4 is an explanatory diagram showing a screen for inputting information of a contractor of the household goods insurance contract system, and FIG. 5 is a family insurance policy. It is explanatory drawing which shows the screen of the document printing of a system. FIG. 6 is an explanatory diagram showing a print example of a document of the household goods insurance contract system.

  In the figure, the household property insurance contract system 1 includes an insurance server 10 and an insurance agent terminal 20 connected via an Internet network 5. The insurance server 10 is a server for realizing insurance contract work such as insurance application for home property insurance and contract change on a homepage on the Internet. The functions described below are realized by a program corresponding to a program described in hypertext such as HTML, CGI, SSI, script language, etc., which can be viewed and operated by the browser prepared in the insurance server 10. It is. An insurance database 11 is connected to the insurance server 10, and a reinsurance database 12 is further connected to the insurance database 11.

  The Internet network 5 is a telecommunication line for connecting the insurance server 10 and the insurance agency terminal 20 and enables the insurance agency terminal 20 to be connected to the Internet. Note that, depending on the form of the insurance agent terminal 20, there may be cases where it is not possible to connect directly to the Internet network 5, but in that case, it is connected to an ISP access point through a public telephone line and connected from the access point to the Internet network 5. become. The public line network is, for example, an analog subscription line, an ISDN line, a DoPa line, a mobile phone network, a PHS network, or the like.

  The insurance database 11 stores insurance contract information exchanged between the insurance server 10 and the insurance agency terminal 20. It is a database that enables inquiries and searches for insurance contract information via the insurance server 10 in response to a request from the insurance agent terminal 20, and it is also possible to change or update the contract. Note that in the household property insurance contract system 1 of the present embodiment, a reinsurance database 12 is connected to the insurance database 11. This reinsurance database 12 is a type of insurance database owned and operated by another insurance company, in order to have another insurance company accept some or all of the responsibilities for household property insurance contracts undertaken by the insurance company. It is connected. By connecting the reinsurance database 12, it becomes possible to easily share insurance contract information and reinsurance, and to improve the reliability of household insurance. The reinsurance database 12 is not essential.

  The insurance server 10 is connected to a property information database 15 in which property information of real estate is registered. The property information database 15 can search and confirm property information from the insurance agency terminal 20 via the insurance server 10. The property information database 15 is not essential.

  The insurance agency terminal 20 is a terminal such as a personal computer that can be connected to the Internet network 5. In principle, the insurance agency terminal 20 is installed in an insurance agency such as a real estate agent, and is not a terminal owned by an individual who can be a contractor of household property insurance. Then, a printer 21 is connected, and a document related to an insurance contract in which insurance contract information on household insurance is written can be printed. The insurance agency terminal 20 is connected to a tablet 22 as signature input means as necessary. The tablet 22 writes characters and the like on the input surface of the front surface with an input pen, and the written information is taken into the insurance agency terminal 20.

  Next, the operation of the household property insurance contract system 1 of this embodiment will be described with reference to FIG. First, the insurance agent needs to register a subscriber who can access the insurance server 10. This subscriber registration is performed by registering an ID and password for each person in charge of insurance contract work at an insurance agent. In this way, only the person in charge of the insurance agent can access the insurance server 10 to ensure security. In addition, a registrant of an insurance agent who can access the insurance server 10 can be restricted so that the insurance server 10 performs an insurance contract service only for an insurance contract handled by the insurance agent. By restricting, further security can be ensured. In consideration of the security on the Internet network 5, a protocol https (Hypertext Transfer Protocol Security) to which an encryption function of data by SSL is added may be used as a communication protocol in addition to http (Hypertext Transfer Protocol). Also, for example, basic authentication, which is a standard function of a web server, can be used, or access can be restricted using an IP address or the like.

  Next, a new insurance application for household property insurance will be described. Explaining the case where the insurance agent is a real estate agent by way of example. First, the insurance agent will solicit home insurance for those who come to the insurance agent for contracts for rental properties such as apartments. . Then, when the person desires a contract for home insurance (the person becomes the contract applicant 8), he / she applies for the insurance for the home insurance on the spot. However, it is not limited to this case, and the insurance agent is not limited to a real estate agent.

  Next, the person in charge of the insurance agency who is the subscriber 7 of the household goods insurance contract system 1 operates the insurance agency terminal 20 to perform an insurance contract business called application for a household goods insurance contract. First, the household insurance plan shown in FIG. 3 is selected. As shown in FIG. 3, the warranty period and the type of household insurance are selected. In the case of household insurance, the amount of insurance money varies depending on the type of target house, so the details of the plan are displayed on the screen of the insurance agent terminal 20 so that the contract applicant 8 can easily select. ing.

  After the plan selection is completed, information on the contract applicant 8 is entered on the screen shown in FIG. The information to be input includes the name of the contractor, the address of the contract, the name of the property to be covered by the household insurance. As for the property name, when the property information database 15 is connected to the insurance server 11 as in the present embodiment, the property information can be obtained by accessing the property information database 15 and the property is accurately identified. It is possible to grasp. Specifically, the property name is extracted and imported by searching for the property by entering the area and the form of the house. Since the property information can be searched by the insurance agency terminal 20, the real estate agent can improve the service by recommending the property insurance while referring to the property. In addition, the information in the property information database 15 can include information on whether each property can be covered by household property insurance. In this case, when applying for household goods insurance, it is possible to confirm whether or not a household goods insurance contract is possible without waiting for the examination of the insurance company by referring to the property information database 15, and the insurance contract business can be efficiently advanced. Is possible.

  After the input of information necessary for applying for insurance for household goods insurance is completed, the information is sent to the insurance server 10 via the Internet network 5. The insurance server 10 stores the received insurance contract information in the insurance database 11 and accepts a new insurance contract application. Further, when the insurance contract information is sent to the reinsurance database 12, reinsurance is possible by another insurance company. The insurance server 10 displays a print-related screen as shown in FIG. 5 as the operation of its own program. Specifically, for example, the screen enables printing of a fire security plan contractor (deduction) and receipt, a fire security plan contract (deduction), and the like. On the screen of FIG. 5, the application form print button can be operated on the screen to print the fire security plan subscription application form as shown in FIG. 6 on the printer 21 as the document 21a related to the insurance contract service.

  As described above, since the insurance contract service can be performed between the insurance agent terminal 5 and the insurance server 10 via the Internet network 5, the application form and the exchange between the insurance company and the contractor by mail are possible. It is possible to reduce troublesome work and efficiently carry out insurance contract work. Further, by providing the insurance server 10 with a check function for input information, it is possible to reduce input errors and conclude a contract at an early stage. In addition, as a check function, it is also possible to grasp the person who cannot originally make an insurance contract by inquiring the subscription history of the contract applicant. In addition, since the documents 21a and 21b related to the insurance contract business including the insurance contract information can be printed by the insurance agent terminal 20 by the program in the insurance server 10, the mailing operation of the documents 21a and 21b is abolished. Costs such as postage can be saved.

  The operation when the tablet 22 is connected to the insurance agency terminal 20 as in the household property insurance contract system 1 of this embodiment will be described (FIG. 7). As described above, information on the contract applicant 8 is input to the insurance agency terminal 20, and the contract applicant 8 uses the tablet 22 to input a signature in place of the seal to the insurance agency terminal 20. The insurance agency terminal 20 takes the input signature as image information and sends it to the insurance server 10 together with the information on the contract applicant 8. The insurance server 10 sends the received insurance contract information and signature image information to the insurance database 11. Further, the insurance server 10 sends a document related to insurance contract information such as an insurance application form in which the received insurance contract information and signature image information are integrated to the insurance agent terminal 20. The insurance agent terminal 20 that has received the document in which the signature image information is integrated via the Internet network 5 can print the signed document 21b. The document shown in FIG. 8 is an example of a document with an integrated signature, and is a fire security plan application form. The signature entered by the contract applicant 8 using the tablet 22 is inserted into the self-signed sign or mark field at the upper right of the document and printed.

  In this way, the signature image information is transmitted from the insurance agent terminal 20 to the insurance server 10, and an insurance application form in which the signature image information and the insurance contract information are integrated is sent from the insurance server 10 to the insurance agent terminal 20. Therefore, it is no longer necessary to exchange mail by hand-written name or stamped document, thereby reducing the cost of mailing and the like and shortening the processing time.

  In addition, in the household goods insurance contract system 1 of the present embodiment, in addition to the above-mentioned new insurance application for household goods insurance, it is also possible to perform insurance contract work such as contract change and contract renewal, and documents relating to insurance contract work It is possible to reduce troublesome work such as exchange between the insurance company and the contractor by filling in or mailing the insurance contract business efficiently.

  Further, it is also possible to display on the insurance agent terminal 20 the progress of the procedure from reception of a report on the occurrence of an accident such as a fire or theft to payment of insurance money as the progress of the accident (FIG. 9). It guides you through the flow of procedures from acceptance of a typical accident to receipt of insurance, and displays the progress of each contract. In this way, it is possible for the insurance agent to inquire about the progress of the accident processing in a timely manner to the policyholder, so the trust relationship between the insurance company, the insurance agent and the policyholder is good without causing any concern for the policyholder. It is possible to keep on. It is also possible to see the progress of the accident on a mobile phone or the like.

  Various services using the insurance database 11 and the Internet network 5, such as counting the number of contracts for each insurance agent, sending contract completion emails to policyholders, and delivering new products / events and notifications about contract expiration Can be provided.

  By printing identification information using a reflective material on a developed medical film that is a transparent material, the information can be easily viewed without using a light source. It can also be applied to uses related to data.

It is a block diagram which shows the Example of the household goods insurance contract system which concerns on this invention. It is explanatory drawing which shows operation | movement of the household goods insurance contract system. It is explanatory drawing which shows the screen which selects the insurance plan of the household goods insurance contract system. It is explanatory drawing which shows the screen which inputs the information of the contractor of the household goods insurance contract system. It is explanatory drawing which shows the screen of printing of the document of the household goods insurance contract system. It is explanatory drawing which shows the example of printing of the document of the household goods insurance contract system. It is explanatory drawing which shows the process of a signature of the household goods insurance contract system. It is explanatory drawing which shows the example of printing of the document signed by the household goods insurance contract system. It is explanatory drawing which shows the screen of accident progress of the household goods insurance contract system.

Explanation of symbols

1 ... Home property insurance contract system 5 ... Internet network 7 ... Subscriber 8 ... Application for contract 10: Insurance server 11: Insurance database 12: Reinsurance database 15: Property information database 20・ ・ ・ ・ ・ ・ Insurance agency terminal 21 ・ ・ ・ ・ ・ ・ ・ ・ Printers 21a, 21b ・ ・ ・ Documents 22 ・ ・ ・ ・ ・ ・ ・ ・ Tablets

Claims (8)

An insurance agency terminal connected to the Internet, installed at a home insurance agency that is an insurance for rental buildings and household goods in the rental building;
An insurance server for exchanging data with the insurance agency terminal on the Internet;
An insurance database for storing insurance contract information exchanged between the insurance agency terminal and the insurance server;
A policy in the insurance server is used to perform insurance contract work such as insurance application and contract change for the household property insurance with the insurance agent terminal, and manage the insurance contract information in the insurance database. Home insurance policy system. A reinsurance database is connected to the insurance database;
2. The home insurance policy system according to claim 1, wherein the insurance policy information is shared and reinsurance of the home insurance is possible. The insurance agency terminal comprises signature input means for capturing a contractor's signature as image information, and sends the image information of the signature from the insurance agency terminal to the insurance server;
3. The household property insurance contract according to claim 1, wherein an insurance application form in which the image information of the signature and the insurance contract information are integrated is sent from the insurance server to the insurance agent terminal. system. A property information database in which property information of real estate is registered is connected to the insurance server,
The household property insurance contract system according to any one of claims 1 to 3, wherein the property information can be searched and confirmed at the insurance agency terminal via the insurance server.   The home property insurance contract system according to claim 4, wherein the property information includes whether or not the home property insurance contract is possible.   The registrant of the insurance agent who can access the insurance server can perform the insurance contract business with the insurance server only for the insurance contract handled by the insurance agent. 5. The household insurance policy system described in any one of 5 above.   7. The document relating to the insurance contract business in which the insurance contract information is described can be printed at the insurance agent terminal by a program in the insurance server. The home insurance contract system described.   The progress status of the procedure from reception of an accident report to payment of insurance money can be displayed on the insurance agent terminal by a program in the insurance server. The household insurance contract system described in Crab.

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