JP2006309372A - Support device for insurance design, support method for insurance design, program, and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a support device for an insurance design, a support method for an insurance design, a program, and a recording medium facilitating a design work when a customer is designing one's life insurance, and capable of freely and quickly notifying the customer about an insurance fee, insurance money, a period of insurance, and a cancellation return rate. <P>SOLUTION: In the insurance design support device, an input image plane for insurance design is sent to a customer side terminal via a predetermined line and a communication means, customer side terminal input data input by the customer in the input image plane for insurance design is received from the customer side terminal, insurance contents transition simulation information is extracted from a predetermined table for insurance design on the basis of the received customer side terminal input data, and the insurance contents transition simulation information extracted by an insurance contents transition simulation information extracting means is sent to the customer side terminal. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

The present invention relates to an insurance design support device, an insurance design support method, a program, and a recording medium.

  Insurance design is extremely complicated, and at present, the sales representative is proceeding with the insurance design while explaining in the case of designing the insurance in front of the customer.

  At present, there are regular insurance, endowment insurance, whole life insurance, etc., even with only main insurance types, and there are special provisions such as cancer insurance, etc., for each, gender distinction, age of participation (1 to 80 years old), enrollment There are various classifications regarding the period (1 to 100 years), insurance money, and the like, and combining these results in a vast number of insurance types, reaching 8000 types of life insurance.

  Specifically, when making an insurance contract, the type of insurance, insurance money, insurance period, etc. that the customer would like to expect are predicted, and based on this prediction, the monthly premium is calculated in advance within the insurance company, Assemble the contents of the insurance contract (design insurance). Then, the insurance content based on this prediction is presented to the customer, and negotiations begin.

  As a result of this negotiation, if the customer's request is found out, the contents of the requested request (type of insurance, insurance money, insurance period, etc.) are slightly different from the expected insurance type, insurance money, insurance period, etc. However, if it is different, that is, if one of the insurance type, insurance money, or insurance period changes, the insurance design needs to be redone, and the sales person takes it back to the insurance company and redoes the insurance design in the insurance company. Bring the insurance contents after this redesign to the customer and work to resume negotiations. Thus, the insurance design work is extremely complicated.

By the way, the invention which can receive consulting of a custom-made life insurance via the internet etc. is known (for example, refer patent document 1).
JP 2001-222585 A

  However, in the above-mentioned conventional example, the “consultant” is a consultant for obtaining a necessary security amount (life plan table, life risk management) for the customer when joining the insurance, and is a premise of the insurance design. Even if the above conventional example is used, the complexity of insurance work does not change at all.

  In other words, in the above-mentioned conventional example, when the customer's wish is found as a result of negotiation with the customer, the contents of the heard wish (insurance type, insurance money, insurance period, etc.) If one of the claims, the insurance period, etc. is different, the insurance design must be re-started from the beginning. The sales representative takes it back to the insurance company and reinvents the insurance design at the insurance company. To the customer and resume negotiations.

  If the customer's desired contents such as insurance type, insurance money, insurance period, etc. are slightly different as a result of subsequent negotiations, the sales representative will take the product back to the insurance company and reinvent the insurance design at the insurance company. Bring later insurance contents to customers and start negotiations.

  This process is repeated until the customer is satisfied.

  Therefore, there is a problem that the conventional insurance design is extremely complicated and takes time.

In the present invention, when a customer designs his / her own life insurance, the design work is easy, and the customer can know the premium, insurance money, insurance period, and surrender / return rate freely and quickly. An object of the present invention is to provide an insurance design support device, an insurance design support method, a program, and a recording medium.

The present invention provides an insurance design input screen transmitting means for transmitting an insurance design input screen to a customer side terminal via a predetermined line and a transmitting means, and a customer side terminal input by the customer to the insurance design input screen. An insurance content transition simulation based on the customer terminal input data received from the customer terminal input data receiving means for receiving input data from the customer terminal and storing it in a storage device, and a predetermined insurance design table Insurance content transition simulation information extracting means for extracting information and storing it in the storage device, and insurance content transition simulation information for transmitting the insurance content transition simulation information extracted by the insurance content transition simulation information extracting means to the customer terminal An insurance design support apparatus having a transmission means.

According to the present invention, when a customer designs his / her own life insurance, the design work is easy, and various conditions essential for insurance selection such as insurance premium, insurance money, insurance period, surrender value, etc. The effect is that the customer can know freely and quickly.

  The best mode for carrying out the invention is the following examples.

  FIG. 1 is a block diagram showing an insurance design support system 100 that is Embodiment 1 of the present invention.

  The insurance design support system 100 includes an insurance design support device 10, a customer terminal 20, a network NW, and a server SV.

  The insurance design support apparatus 10 is a so-called sales representative terminal used by an insurance sales representative. The CPU 11, ROM 12, RAM 13, insurance design input screen storage means 14, and insurance design input screen transmission means 15 are used. Customer terminal input data receiving means 16, insurance content transition simulation information extracting means 17, insurance content transition simulation information transmitting means 18, video camera 19, display means DP1, operating means OP1, and microphone MC1. And a speaker SP1.

  The CPU 11 controls the entire insurance design support apparatus 10. The ROM 12 is an area for storing a program corresponding to a portion related to the insurance design support apparatus 10 in the flowcharts shown in FIGS. The RAM 13 is a work area.

  The insurance design input screen storage means 14 is a memory that stores the insurance design input screens 30 and 40 shown in FIG. 4 and FIG. The insurance design support screen 10 does not have the insurance design input screen storage means 14, and the insurance design input screens 30 and 40 are stored in the server SV or an external storage device (not shown). The input screen may be read out and used.

  The insurance design input screen transmission means 15 transmits an insurance design input screen to the customer terminal 20 via the network NW. A predetermined line may be used instead of the network NW.

  Further, the insurance design input screen transmission means 15 is the face data of the salesperson photographed by a camera (not shown) in the insurance design support apparatus 10 or the salesperson's qualification certificate (driver's license, passport, employee ID). Or the like) may be transmitted to the customer terminal 20.

  The customer-side terminal input data receiving means 16 receives customer-side terminal input data input by the customer on the insurance design input screen 30 from the customer-side terminal 20 and stores it in a storage device such as the RAM 13.

  The customer side terminal input data receiving means 16 receives from the customer side terminal 20 the image data of the customer's face and the reading information of the document (driver's license etc.) that can be identified.

  The insurance content transition simulation information extraction means 17 extracts insurance content transition simulation information from a predetermined insurance design table based on the customer terminal input data received from the customer terminal 20, and stores it in the storage device.

  The video camera 19 shoots a sales representative, and in this case, shoots both a still image and a moving image.

  The “insurance design table” is a table in which age, gender distinction, insurance type, insurance money, insurance period and insurance premium are combined, and is stored in the ROM 12. The “insurance design table” may be stored in the server SV or an external storage device (not shown), and may be read out and used here.

  In addition, the above “insurance content transition simulation information” is a plan confirmation table in which the elapsed year, insurance age, surrender value or refund rate is written, or data to create it, or the accumulated premium for the age , A graph in which at least one of surrender value and insurance money is described.

  The insurance content transition simulation information transmitting unit 18 is a unit that transmits the insurance content transition simulation information extracted by the insurance content transition simulation information extracting unit 17 to the customer terminal 20.

  Based on the customer terminal input data received from the customer terminal 20, the display means DP1 displays the insurance content transition simulation information extracted from the insurance design table and the insurance design input screen.

  In addition, when the customer is making an insurance design that is not intended by the sales representative, a notification that the insurance design is wrong is transmitted to the customer terminal 20.

  Furthermore, when the customer wishes to make a contract with the contents of the current insurance design document, the customer clicks on a “contract application key” 46 described later, but contract notification information indicating that the contract application key 46 has been clicked is displayed. And received from the customer terminal 20.

  If necessary, the sales representative transmits appropriate advice information to the customer terminal 20 via the insurance design support apparatus 10 and the network NW.

  The customer terminal 20 includes a CPU 21, ROM 22, RAM 23, receiving means 24, transmitting means 25, video camera 26, operating means OP2, display means DP2, microphone MC2, and speaker SP2.

  The CPU 21 controls the customer terminal 20 as a whole. ROM22 is an area | region which stores the program corresponding to the part regarding the customer side terminal 20 among the flowcharts shown in FIG. 2, FIG. The RAM 23 is a working memory.

  The transmission means 23 receives insurance design input screen request, name, date of birth, age, address, telephone number, e-mail address, gender, relationship, occupation, etc. data for each of the insured and the contractor. The data is transmitted to the design support apparatus 10, and data such as the type of insurance desired by the customer, insurance money, and insurance period is transmitted to the insurance design support apparatus 10.

  The receiving unit 24 receives the insurance design input screen and the insurance content transition simulation information from the insurance design support apparatus 10.

  The video camera 26 shoots a customer, and in this case, shoots both a still image and a moving image.

  The display means DP2 includes the insurance design input screen received from the insurance design support device 10, the type of insurance entered by the customer, the type of insurance, insurance money, insurance period, payment period, payment method, presence / absence of advance payment, insurance policy The insurance content transition simulation information received from the design support apparatus 10 is displayed.

  The microphone MC2 converts a customer's voice into an electrical signal, and the speaker SP2 outputs a salesperson's voice.

  The basic types of life insurance are term insurance (deferred), endowment insurance (savings), and life insurance (intermediate).

  The server SV stores large-capacity data such as an insurance design table.

  Next, the operation of the first embodiment will be described.

  FIG. 2 is a flowchart showing the operation of the insurance design support system 100.

  FIG. 3 is a diagram illustrating an example of the insurance design input screen 30 displayed on the display unit DP2 of the customer terminal 20 in the first embodiment.

  FIG. 4 is a diagram illustrating an example of the insurance design input screen 40 displayed on the display unit DP2 of the customer terminal 20 in the first embodiment.

  First, at the customer terminal 20, the customer requests the insurance design support apparatus 10 for an input scene for insurance design (S1), and the insurance design support apparatus 10 responds to the insurance shown in FIG. 3 and FIG. The design input screens 30 and 40 are transmitted to the customer terminal 20 (S2). The customer side terminal 20 first displays the received insurance design input screen 30 on its display means DP2 (S3).

  On the insurance design input screen 30, an operation method explanation column 31, input columns 32 and 33, and a confirmation key 34 are displayed.

  The operation method explanation column 31 is a column in which contents to be operated by the customer are displayed.

  The input column 32 is a column for displaying the insured person, the name of the contractor, the address, the sex, and the age column. In this column, the customer inputs using the keyboard or the like of the operation means OP2.

  The insurance design input screen 32 is a column for displaying columns such as insurance category, insurance type, insurance type, insurance payment method, insurance money, advance payment, etc. The customer himself / herself inputs using the keyboard of the means OP2.

  The customer inputs the name, address, gender, and age for each of the insured and the contractor in accordance with the operation method explanation 31 on the insurance design input screen (S3), and if necessary, a telephone number Enter your e-mail address. In addition, the user clicks on the insurance category, type, type, payment method, and advance payment, which the customer desires, using the input field 33 (S4).

  When the confirmation key 34 is clicked after these input operations are completed, the insurance design input screen 40 shown in FIG. 4 is displayed on the display means DP2.

  On the insurance design input screen 40, an operation method explanation field 41, an input field 42, a calculation start key 43, a print key 44, a redesign key 45, and a contract application key 46 are displayed.

  The calculation start key 43 is a key that is clicked when the customer wants to calculate the insurance premium after completing the necessary input, and the print key 44 is a key that is clicked when the customer wants to print the current state. The key 45 is a key that is clicked to re-enter the necessary input in the middle of the customer's necessary input, and the contract application key 46, after calculating the insurance premium, understands the contract contents at that time, and applies for the contract. This is the key to click when doing.

  The customer inputs the insurance money, the insurance period, and the payment period in the input field 42 using the keyboard of the operation means OP2 (S5).

  The amount of “insurance premium” in the input field 42 is not calculated by the customer but calculated by the insurance design support apparatus 10 after the customer inputs insurance money, insurance period, and the like.

  FIG. 5 is a diagram illustrating an example of the insurance design input screen 40 in a state where the customer has finished inputting the insurance money, the insurance period, and the payment period in the first embodiment.

  That is, the state shown in FIG. 5 is a state after the customer finishes inputting in the column (item) other than the insurance premium.

  When the calculation start key 43 is clicked (S6), the insurance type, insurance money, insurance period, payment period, and payment method data input by the customer are sent to the insurance design support via the transmission means 25 and the network NW. It is transmitted to the apparatus 10 and received by the customer side terminal input data receiving means 16 in the insurance design support apparatus 10, and based on each received data, insurance content transition simulation information is extracted from the insurance design table (S7). .

  FIG. 17 is a diagram illustrating an example of an insurance design table according to the first embodiment.

  The “insurance design table” is an insurance design table in which age, gender distinction, insurance type, insurance money, insurance period, and premium are combined. In the insurance design table shown in FIG. 17, the age is written in the vertical direction, the gender is male, the type of insurance is term insurance, and the insurance money is 1 million yen. The insurance period is 5 years, 10 years, 20 years, and 30 years, the other insurance periods are omitted, and the insurance premium is shown in the center. That is, according to the insurance design table shown in FIG. 17, for example, when a 40-year-old man enters a 1 million yen term insurance with a maturity of 10 years, the insurance premium is 380 yen / month. Therefore, in the case of 10 million yen regular insurance, the insurance premium shown in FIG. 17 can be multiplied by 10, and in the case of women, the female version of the insurance design table shown in FIG. In the case of lifetime insurance, each insurance design table is used.

  In addition, the above “insurance content transition simulation information” is data on premiums according to the past year and insurance age based on age, gender distinction, insurance type, insurance money, and insurance period. Cancellation refund or refund rate data according to the fiscal year, insurance age, and plan confirmation table that contains these data, or at least one of accumulated premiums, surrender returns, insurance money for the age It is the graph described.

  The insurance design support apparatus 10 receives and stores the image data of the customer's face and the reading information of the document capable of verifying the identity from the customer side terminal 20. The stored data can be used when the insurance design support apparatus 10 transmits the stored data to the insurance company, and the insurance company needs to prove that the customer has been verified. .

  Then, the extracted insurance content transition simulation information is transmitted to the customer terminal 20 (S8).

  The customer terminal 20 receives the insurance content transition simulation information (S9), and displays the received insurance content transition simulation information on the display means DP2 (S10).

  FIG. 6 is a diagram illustrating an example of a display screen (insurance design input screen 40) in a state after the insurance design support apparatus 10 calculates in the first embodiment.

  The state shown in FIG. 6 is a state in which the insurance premium calculated by the insurance design support apparatus 10 (the corresponding insurance premium is searched from the insurance design table) is displayed.

  7, 8, and 9 are diagrams showing specific examples of insurance content simulation information in term insurance.

  In the first embodiment, after the customer sees the result calculated by the insurance design support apparatus 10, if the customer thinks that the design content does not conform to the customer's intention and the insurance needs to be redesigned ( S21), the process returns to S4, and the processes after S4 are repeated.

  That is, in the first embodiment, if the customer clicks the calculation start key 43 after inputting the insurance type desired by the customer, the desired insurance money, the insurance period, the payment period, etc., the insurance premium that meets the conditions Etc. can be viewed immediately on the display means DP2, and if the insurance premium does not match the customer's intention, the insurance type, insurance money, insurance period, etc. can be arbitrarily changed and newly entered. As described above, after changing the insurance type, insurance money, insurance period, etc., the insurance premium after the change can be viewed immediately by clicking the calculation start key 43 in the same manner as described above.

  That is, unlike the conventional case, it is not necessary for the sales person in charge of the insurance to go to the customer, and this alone can quickly execute the insurance design.

  Also, in the past, if a customer did not like the recommended insurance presented by the insurance sales representative first, the sales representative brought the customer's intention back to the company, and the newly designed insurance details were given to the customer at a later date. Presented, according to the above embodiment, if the user does not like the contents of the first insurance design, the second insurance design based on the new condition can be executed immediately from the beginning if the redesign key 45 is clicked. it can.

If the result of this second insurance design is not in line with the customer's will, the insurance design can be attempted any number of times thereafter, so the above example is preferred when the customer designs his own life insurance. The work for creating the insurance design is easy, that is, the customer can know the insurance premium, insurance money, insurance period, and surrender and return rate freely and quickly.

  FIG. 10 is a flowchart showing the operation of the second embodiment of the present invention.

  In the second embodiment, in the process of insurance design, a customer asks a sales person a question, and a procedure in which the sales person answers (advice) the question and a procedure in the case of contracting the designed insurance contents are executed. 3 is an example added to Example 1.

  The configuration of the second embodiment is the same as that of the insurance design support system 100 shown in FIG. Further, in the flowchart shown in FIG. 10, S1 to S9 in the flowchart shown in FIG. 2 are omitted.

  That is, in the second embodiment, after the processes of S1 to S9 in the flowchart shown in FIG. 2 are completed and the insurance content transition simulation information is displayed on the display means DP2 of the customer terminal 20 (S10), When a customer asks a question (S11), an answer (advice) by a sales representative to this question is transmitted to the customer terminal 20 (S12).

  In other words, the customer asks the sales person about the insurance contents designed by the customer, for example, the question “What should I do to make the designed insurance premium cheaper now?”. Specifically, when a customer makes a question toward the microphone MC2 of the customer terminal 20, the salesperson hears the question sent via the speaker SP1 of the network NW and the insurance design support device 10 and hears it by voice. Answer. For example, you can say, “You can lower the insurance money” (“What if the insurance money of 30 million yen is reduced to 25 million yen”), or “You can shorten the insurance period” (“Insurance "How about changing 10 years to 8 years?"

  On the other hand, if the customer is performing an operation opposite to the original operation, for example, if it is appropriate to reduce the insurance money, or if the customer is entering the insurance money higher, “The operation is the opposite. The advice is better if the insurance is reduced.”

  In this way, when the insurance design that satisfies the customer is completed as a result of repeating the insurance design several times, that is, when there is no need for redesign (S21), the process proceeds to the contract application stage. . In this case, if the customer clicks on the contract application key 46 shown in FIG. 6, it is determined that there is an intention to apply for the contract (S22).

  FIG. 11 is an example showing an insurance application form in term insurance in the second embodiment.

  If the intention of contract application is confirmed (S22), the contract application screen shown in FIG. 11 is displayed (S23). If the customer looks at the application screen and there is no objection to the content, the customer clicks the confirmation key 47 shown in FIG. 11, the contract is confirmed (S24), and the contract procedure is completed. A printer (not shown) prints a copy of the contract containing the description items in the insurance application form shown in FIG. 11 (S25). All procedures are completed.

  FIGS. 12, 13, and 14 are diagrams showing specific insurance content simulation information in endowment insurance.

  15 and 16 are diagrams illustrating specific examples of insurance content simulation information in life insurance.

  According to the above embodiment, when calculating the insurance premium etc. by changing the input data, the time from the input data input to the calculation of the insurance premium etc. is extremely short.

  In other words, according to the above embodiment, after the customer inputs desired data such as insurance type, insurance period, insurance premium, etc., the plan confirmation table (insurance content transition simulation), graph (horizontal axis: elapsed years, vertical axis: insurance) (Money, insurance premiums, refunds) can be seen immediately.

  In addition, according to the above embodiment, the customer may easily and quickly obtain the insurance premium, insurance money, surrender value, and insurance period.

  In addition, for insurance that meets the prescribed period, the insurance premium is treated as a loss, and the company has the advantage of paying insurance premiums for employees, so it makes sense to know the insurance period as a customer. . The “predetermined condition” is a condition of insurance age + (insurance period / 2) ≦ 105.

  Further, in the above embodiment, there is a sales person in the insurance design support apparatus 10, and in fact, the sales person and the customer communicate with each other through the terminals 10 and 20. The customer at the customer side terminal 20 may interact with the unmanned insurance design support apparatus 10, thereby realizing unmanned sales representative side of the insurance contract design. In this case, it is convenient in terms of operation for the customer if the question content by the customer is assumed in advance and the question content based on this assumption is appropriately displayed on the display means DP2 of the customer terminal 20.

  The insurance design support apparatus 10 transmits the insurance design input screen, the insurance design table, and the program corresponding to the flowchart shown in FIG. 2 (or the flowchart shown in FIG. 10) to the customer terminal 20. In addition, when the insurance design by the customer is completed and the contents of the insurance contract are determined, the contents of the insurance contract may be notified to the insurance design support apparatus 10 and the contract procedure may be executed.

  In this case, at the customer terminal 20, when the insurance design is completed, when the operation is shifted to an operation other than the insurance design, or when the customer terminal 20 is turned off, the transmitted insurance design table, FIG. 2. The program corresponding to the flowchart shown in FIG. 10 may be deleted. By doing so, it is possible to prevent the insurance design input screen, the insurance design table, and the programs corresponding to the flowcharts shown in FIGS. 2 and 10 from being stolen.

  The above embodiment can be grasped as a program invention. That is, in the above-described embodiment, the customer inputs the insurance design input screen transmission procedure for transmitting the insurance design input screen to the customer side terminal via the predetermined line and the transmission means, and the insurance design input screen. Based on the customer side terminal input data received from the customer side terminal and received from the customer side terminal and stored in the storage device, and a predetermined insurance design table based on the received customer side terminal input data Insurance content transition simulation information extraction procedure for extracting content transition simulation information and storing it in the storage device, and insurance content for transmitting the insurance content transition simulation information extracted in the insurance content transition simulation information extraction procedure to the customer terminal It is an example of the program which makes a computer perform the transition simulation information transmission procedure.

  In this case, the insurance design table is an insurance design table in which age, gender distinction, insurance type, insurance money, insurance period, and insurance premiums are combined. And a plan confirmation table in which the insurance age calculated based on the customer terminal input data and the surrender value or refund rate are described, and the insurance content transition simulation information is input to the customer terminal It is a graph in which at least one of accumulated premiums, surrender value refunds, and insurance moneys for the age calculated based on data is described.

  Also, the insurance design input screen is stored in the storage means, and the insurance design input screen storage procedure for reading the insurance design input screen from the storage means, or the insurance design input from a predetermined external storage means You may make it make a computer perform the read-out procedure which reads a screen, and also inputs the insurance design input screen, the customer side terminal input data received from the customer side terminal, and the customer side terminal received from the customer side terminal It is possible to cause the computer to execute a display procedure for displaying the insurance content transition simulation information extracted from the insurance design table based on the input data on the sales representative terminal. The computer may be caused to execute a procedure for transmitting the advice information advised by the customer terminal to the customer terminal.

  Further, an image of the customer's face is displayed, the face of the salesperson on the insurance design support apparatus side is photographed, and the photographed salesperson's face image data is transmitted to the customer terminal. The procedure may be executed by a computer, or the image of the customer's face and the reading information of a document that can be identified are received from the customer terminal and stored. In addition, it is also possible to cause the computer to execute an image data transmission procedure for transmitting the image data of the sales representative's face or qualification certificate to the customer terminal, and the contents of the current insurance design document. You may make it make a computer perform the procedure which receives the contract notification information which shows that the said customer contracts from a customer side terminal.

  In addition, in the above-described embodiment, a customer-side terminal input data reception procedure for receiving customer-side terminal input data input by a customer on a predetermined insurance design input screen from the customer-side terminal and storing the data in a storage device; Based on the received customer-side terminal input data, the insurance content transition simulation information is extracted from the insurance design table and stored in the storage device, and the insurance content transition simulation information extraction procedure and the insurance content transition simulation information extraction procedure. It is an example of the program which makes a computer perform the insurance content transition simulation information transmission procedure which transmits the extracted insurance content transition simulation information to the said customer side terminal.

  The program may be recorded on a recording medium such as a CD, MD, DVD, HD, or semiconductor memory.

  According to the above embodiment, when a customer designs his / her own life insurance, the design work is easy, and various conditions indispensable for insurance selection such as insurance premium, insurance money, insurance period, surrender value, etc. , Customers can learn freely and quickly while obtaining direct advice equivalent to that received from sales representatives during visit-to-face sales.

On the other hand, according to the above-described embodiment, in the insurance company, the travel expenses and travel expenses of the sales staff are reduced, and the operating expenses are reduced by reducing the agency commission to the sales agent in accordance with the cost reduction. In addition to the effects, there is no need to print and send multiple insurance design documents and proposals, which simplifies the contract application procedure and speeds up the administrative process, resulting in a significant cost advantage.

1 is a block diagram illustrating an insurance design support system 100 that is Embodiment 1 of the present invention. FIG. 3 is a flowchart showing the operation of the insurance design support system 100. In Example 1, it is a figure which shows the example of the input screen 30 for insurance designs currently displayed on the display means DP2 of the customer side terminal 20. FIG. In Example 1, it is a figure which shows the example of the input screen 40 for insurance design currently displayed on the display means DP2 of the customer side terminal 20. FIG. In Example 1, it is a figure which shows the example of the input screen 40 for insurance design in the state which the customer complete | finished predetermined | prescribed input. In Example 1, it is a figure which shows the example of the display screen (input screen 40 for insurance design) in the state after the insurance design support apparatus 10 calculated. It is a figure which shows the specific example of the insurance content simulation information in term insurance. It is a figure which shows the specific example of the insurance content simulation information in term insurance. It is a figure which shows the specific example of the insurance content simulation information in term insurance. It is a flowchart which shows operation | movement of Example 2 of this invention. It is an example which shows the insurance application form in the term insurance in Example 2. FIG. It is a specific figure of the insurance content simulation information in Yoro insurance. It is a specific figure of the insurance content simulation information in Yoro insurance. It is a specific figure of the insurance content simulation information in Yoro insurance. It is a figure of the specific example of the insurance content simulation information in whole life insurance. It is a figure of the specific example of the insurance content simulation information in whole life insurance. It is a figure which shows the example of the table for insurance design in Example 1. FIG.

Explanation of symbols

100 ... insurance design support system,
10 ... Insurance design support device,
11 ... CPU,
12 ... ROM,
13 ... RAM,
14 ... insurance design input screen storage means,
15 ... insurance design input screen transmission means,
16 ... Customer side terminal input data receiving means,
17 ... Insurance content transition simulation information extraction means,
18 ... Insurance content transition simulation information transmission means,
19 ... Video camera,
20: Customer terminal,
21 ... CPU,
22 ... ROM,
23 ... RAM,
24. Receiving means,
25. Transmission means,
26 ... Video camera.

Claims (41)

An insurance design input screen transmitting means for transmitting an insurance design input screen to the customer terminal via a predetermined line and a transmitting means;
Customer-side terminal input data receiving means for receiving customer-side terminal input data input by the customer on the insurance design input screen from the customer-side terminal and storing it in a storage device;
Insurance content transition simulation information extracting means for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
Insurance content transition simulation information transmitting means for transmitting the insurance content transition simulation information extracted by the insurance content transition simulation information extracting means to the customer terminal;
An insurance design support device characterized by comprising: In claim 1,
The insurance design support device, wherein the insurance design table is an insurance design table in which age, gender distinction, insurance type, insurance money, insurance period, and premium are combined. In claim 1,
The insurance content transition simulation information is a plan confirmation table in which an elapsed year, an insurance age calculated based on the customer terminal input data, and a surrender value or a refund rate are described. Insurance design support device. In claim 1,
The insurance content transition simulation information is a graph in which at least one of accumulated insurance premiums, surrender value refunds, and insurance moneys for the age calculated based on the customer terminal input data is described. Insurance design support device. In claim 1,
The insurance design input screen is stored in the storage means, and the insurance design input screen storage means for reading the insurance design input screen from the storage means, or from the predetermined external storage means, the insurance design input screen is displayed. An insurance design support device comprising a reading means for reading. In claim 1,
Insurance content transition simulation information extracted from the insurance design table based on the insurance design input screen, the customer terminal input data received from the customer terminal, and the customer terminal input data received from the customer terminal An insurance design support apparatus, characterized in that it has a display means for displaying at the sales representative terminal. In claim 1,
An insurance design support apparatus, characterized in that, when a customer inputs, advice information advised by a sales representative is transmitted to the customer terminal. In claim 1,
Displaying the image of the customer's face, photographing the face of the salesperson on the insurance design support apparatus side, and transmitting the image data of the photographed face of the salesperson to the customer side terminal. A featured insurance design support device. In claim 1,
An insurance design support apparatus for receiving and storing image data of a customer's face and reading information of a document capable of verifying the identity from the customer side terminal. In claim 1,
An insurance design support apparatus comprising image data transmitting means for transmitting image data of a sales representative's face or qualification certificate to the customer terminal. In claim 1,
An insurance design support apparatus, wherein contract notice information indicating that the customer contracts with the contents of the current insurance design document is received from a customer side terminal. In claim 1,
An insurance design support apparatus comprising the insurance design table. Customer-side terminal input data receiving means for receiving customer-side terminal input data entered by a customer on a predetermined insurance design input screen from the customer-side terminal and storing it in a storage device;
Insurance content transition simulation information extracting means for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
Insurance content transition simulation information transmitting means for transmitting the insurance content transition simulation information extracted by the insurance content transition simulation information extracting means to the customer terminal;
An insurance design support device characterized by comprising: An insurance design input screen transmitting means for transmitting an insurance design input screen to the customer terminal via a predetermined line and a transmitting means;
An insurance content transition simulation information extraction program for extracting insurance content transition simulation information from a predetermined insurance design table based on customer terminal input data input by the customer on the insurance design input screen and storing it in a storage device Transmitting means for transmitting;
An insurance design support device characterized by comprising: In claim 14,
The insurance content transition simulation information extraction program is used when the insurance design by the customer is completed, when the customer performs an operation other than the insurance design, or when the customer terminal is turned off. An insurance design support apparatus, which is a program for deleting a simulation information extraction program. An insurance design input screen transmission stage for transmitting the insurance design input screen to the customer terminal via a predetermined line and transmission means;
A customer-side terminal input data receiving step of receiving customer-side terminal input data input by the customer on the insurance design input screen from the customer-side terminal and storing it in a storage device;
An insurance content transition simulation information extraction stage for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
An insurance content transition simulation information transmission stage for transmitting the insurance content transition simulation information extracted in the insurance content transition simulation information extraction stage to the customer terminal;
An insurance design support method characterized by comprising: In claim 16,
An insurance design support method, wherein the insurance design table is an insurance design table in which age, gender distinction, insurance type, insurance money, insurance period, and premium are combined. In claim 16,
The insurance content transition simulation information is a plan confirmation table in which an elapsed year, an insurance age calculated based on the customer terminal input data, and a surrender value or a refund rate are described. Insurance design support method to do. In claim 16,
The insurance content transition simulation information is a graph in which at least one of a cumulative premium, a surrender value, and an insurance money for an age calculated based on the customer terminal input data is described. Insurance design support method to do. In claim 16,
The insurance design input screen is stored in a storage means, and the insurance design input screen is read from the storage means, or the insurance design input screen is input from a predetermined external storage means. An insurance design support method comprising a reading step of reading. In claim 16,
Insurance content transition simulation information extracted from the insurance design table based on the insurance design input screen, the customer terminal input data received from the customer terminal, and the customer terminal input data received from the customer terminal And an insurance design support method characterized by having a display step of displaying the above on the sales representative terminal. In claim 16,
An insurance design support method characterized by transmitting advice information advised by a sales representative to a customer terminal when a customer inputs. In claim 16,
Displaying the image of the customer's face, photographing the face of the salesperson on the insurance design support apparatus side, and transmitting the image data of the photographed face of the salesperson to the customer side terminal. A featured insurance design support method. In claim 16,
An insurance design support method comprising receiving and storing image data of a customer's face and reading information of a document capable of verifying the identity from the customer terminal. In claim 16,
An insurance design support method comprising an image data transmission step of transmitting image data of a sales representative's face or qualification certificate to the customer terminal. In claim 16,
An insurance design support method comprising a step of receiving, from a customer terminal, contract notice information indicating that the customer makes a contract with the contents of the current insurance design document. A customer-side terminal input data receiving stage for receiving customer-side terminal input data entered by a customer on a predetermined insurance design input screen from the customer-side terminal and storing it in a storage device;
An insurance content transition simulation information extraction stage for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
An insurance content transition simulation information transmission stage for transmitting the insurance content transition simulation information extracted in the insurance content transition simulation information extraction stage to the customer terminal;
An insurance design support method characterized by comprising: An insurance design input screen transmission procedure for transmitting the insurance design input screen to the customer terminal via a predetermined line and transmission means;
A customer-side terminal input data reception procedure for receiving customer-side terminal input data input by the customer on the insurance design input screen from the customer-side terminal and storing the data in a storage device;
Insurance content transition simulation information extraction procedure for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
An insurance content transition simulation information transmission procedure for transmitting the insurance content transition simulation information extracted in the insurance content transition simulation information extraction procedure to the customer terminal;
A program that causes a computer to execute. In claim 28,
The insurance design table is an insurance design table in which age, gender distinction, insurance type, insurance money, insurance period, and premium are combined. In claim 28,
The insurance content transition simulation information is a plan confirmation table in which an elapsed year, an insurance age calculated based on the customer terminal input data, and a surrender value or a refund rate are described. Program to do. In claim 28,
The insurance content transition simulation information is a graph in which at least one of accumulated insurance premiums, surrender value refunds, and insurance moneys for the age calculated based on the customer terminal input data is described. Program to do. In claim 28,
The insurance design input screen is stored in the storage means, and the insurance design input screen storage procedure for reading the insurance design input screen from the storage means, or the insurance design input screen from a predetermined external storage means. A program for causing a computer to execute a reading procedure for reading. In claim 28,
Insurance content transition simulation information extracted from the insurance design table based on the insurance design input screen, the customer terminal input data received from the customer terminal, and the customer terminal input data received from the customer terminal And causing the computer to execute a display procedure for displaying the above on the sales representative terminal. In claim 28,
A program for causing a computer to execute a procedure of transmitting advice information advised by a sales representative to a customer terminal when a customer inputs. In claim 28,
Displaying the customer's face image, photographing the face of the salesperson on the insurance design support apparatus side, and transmitting the photographed salesperson's face image data to the customer terminal A program characterized by being executed by a computer. In claim 28,
A program for causing a computer to execute a procedure for receiving and storing image data of a customer's face and reading information of a document that can be identified from the customer terminal. In claim 28,
A program for causing a computer to execute an image data transmission procedure for transmitting image data of a sales representative's face or qualification certificate to the customer terminal. In claim 28,
A program that causes a computer to execute a procedure for receiving, from a customer side terminal, contract notice information indicating that the customer contracts with the contents of the current insurance design document. A customer-side terminal input data receiving procedure for receiving customer-side terminal input data entered by a customer on a predetermined insurance design input screen from the customer-side terminal and storing it in a storage device;
Insurance content transition simulation information extraction procedure for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
An insurance content transition simulation information transmission procedure for transmitting the insurance content transition simulation information extracted in the insurance content transition simulation information extraction procedure to the customer terminal;
A program that causes a computer to execute. An insurance design input screen transmission procedure for transmitting the insurance design input screen to the customer terminal via a predetermined line and transmission means;
A customer-side terminal input data reception procedure for receiving customer-side terminal input data input by the customer on the insurance design input screen from the customer-side terminal and storing the data in a storage device;
Insurance content transition simulation information extraction procedure for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
An insurance content transition simulation information transmission procedure for transmitting the insurance content transition simulation information extracted in the insurance content transition simulation information extraction procedure to the customer terminal;
The computer-readable recording medium which recorded the program which makes a computer perform. A customer-side terminal input data receiving procedure for receiving customer-side terminal input data entered by a customer on a predetermined insurance design input screen from the customer-side terminal and storing it in a storage device;
Insurance content transition simulation information extraction procedure for extracting insurance content transition simulation information from a predetermined insurance design table based on the received customer terminal input data and storing it in a storage device;
An insurance content transition simulation information transmission procedure for transmitting the insurance content transition simulation information extracted in the insurance content transition simulation information extraction procedure to the customer terminal;
The computer-readable recording medium which recorded the program which makes a computer perform.

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