JP2007272841A - Insurance contract system and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To simplify a procedure for insurance contract through a communication network. <P>SOLUTION: A customer 1 uses a personal computer 12, etc. to access a web page presented by an insurance contract server 21 of an insurance company 2 and input a password on an application screen. When the inputted password is pre-registered in a database 22, the insurance contract server 21 displays various insurance products, and presents a screen with a message displayed thereon for urging selection of a desired product. When the customer 1 selects the desired insurance product and clicks "Confirm", the insurance contract server 21 instructs an account management server 31 of a financial institution 3 to withdraw an insurance premium from a customer 1's deposit account at the financial institution 3 pre-registered in the database 22. When notified by the account management server 31 of completion of the withdrawal, the insurance contract server 21 displays on the screen a message to indicate completion of the insurance contact. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an insurance contract system using a communication network such as the Internet and a computer program used for the server, and more particularly to an insurance contract system that simplifies the contract procedure and a computer program used for the server.

  Procedures related to various insurances such as life insurance, car insurance, fire insurance, leisure insurance, etc. are generally carried out using documents at insurance companies and agencies. Via a terminal device such as a personal computer (hereinafter referred to as a personal computer) or a mobile phone.

A conventional insurance contract system using the Internet is configured as follows, for example. Customers who wish to take out insurance use a terminal device such as a personal computer or mobile phone via a communication network such as the Internet to access the insurance company's or its agency's website, and on the application screen, Enter the insurance type and various personal information (name, phone number, password, e-mail address, etc.), check the contents displayed on the screen, and finally click “Apply” to execute the application procedure. . Next, the customer communicates with a financial institution such as a bank or a credit company for a request for insurance premium payment using a terminal device such as a personal computer or a mobile phone. A financial institution pays insurance premiums by transferring money from a deposit account of an insurance policyholder as a customer to an account of an insurance company, or by using a credit card, debit card, or the like (see Patent Document 1).
JP 2002-133098 A

  However, in the conventional insurance contract system described above, the policyholder needs to go through different procedures such as an application procedure for an insurance company and a procedure for requesting a premium payment to a financial institution at the time of an insurance contract. There is a problem that it is troublesome.

  The present invention has been made in order to solve such problems, and its purpose is to simplify the procedure by providing a single party when making an insurance contract via a communication network. It is.

According to the first aspect of the present invention, when receiving means for storing deposit account information of a customer's transaction financial institution and information indicating that an insurance contract is to be transmitted, transmitted from the terminal device of the customer, the financial institution is On the other hand, based on the response information from the financial institution and the means for transmitting the information for instructing the withdrawal of the contract premium from the deposit account, the fact that the insurance contract has been completed for the terminal device of the customer An insurance contract system characterized by comprising means for transmitting information.
According to a second aspect of the present invention, in the insurance contract system according to the first aspect, the identification information storage means for storing the customer identification information, the means for receiving the identification information transmitted from the customer terminal device, and the means An insurance contract system comprising: means for enabling an insurance contract from the terminal device when the identification information received by the terminal device matches the identification information stored in the identification information storage means.
A third aspect of the present invention is the insurance contract system according to the first aspect, wherein the insurance information storage means for storing the insurance information that the customer desires to contract, and the telephone number for storing the telephone number of the telephone of the customer Storage means; means for detecting a caller number; and when the caller number detected by the means matches a telephone number stored in the telephone number storage means, the caller number is stored in the insurance information storage. An insurance contract system comprising: information for determining that an insurance contract is stored in the means; and means for determining.
The invention of claim 4 is the insurance contract system according to claim 1, comprising means for acquiring information relating to the health condition of the customer, and means for calculating a contract premium according to the acquired information. This is an insurance contract system characterized by
According to the invention of claim 5, when the computer of the insurance contract system receives the information indicating that the insurance contract is to be transmitted, transmitted from the customer's terminal device, the customer's transaction financial institution is sent from the customer's deposit account. Means for transmitting information for instructing the withdrawal of contract insurance premiums, and means for transmitting information indicating that the insurance contract is completed to the terminal device of the customer based on response information from the financial institution It is a program to make it function.

(Function)
According to the first and fifth aspects of the present invention, when the information indicating that the insurance contract is to be transmitted is received from the terminal device of the customer, the contract from the customer's deposit account is made to the customer's financial institution. Information indicating the withdrawal of insurance premium is transmitted, and information indicating that the insurance contract has been completed is transmitted to the terminal device of the customer based on response information from the financial institution.
According to the invention of claim 2, when the identification information transmitted from the customer's terminal device matches the identification information stored in advance, an insurance contract can be made from the terminal device.
According to the invention of claim 3, when the caller number accompanying the incoming call signal matches the telephone number stored in advance, the customer corresponding to the caller number makes a pre-registered insurance contract. It is determined that the information to that effect has been transmitted.
According to invention of Claim 4, the information regarding a customer's health condition is acquired and a contract insurance premium is calculated according to the acquired information.

  According to the present invention, when a customer makes an insurance contract, the customer only has to access the insurance company or agency from the terminal device to make an application, and no payment request to the financial institution is required. It will be easy. In addition, by registering the phone number and the insurance product that you wish to contract in advance with the insurance company, you can automatically make an insurance contract simply by calling the insurance company. Is even easier.

Hereinafter, first and second embodiments of the present invention will be described with reference to the drawings.
[First Embodiment]
FIG. 1 is a diagram for explaining an insurance contract system according to a first embodiment of the present invention. In this embodiment, a customer 1 who owns a mobile phone 11 and / or a personal computer 12, an insurance company 2 having an insurance contract server 21 and a database 22 connected thereto, an account management server 31 and a database 32 connected thereto. The financial institution 3 having the communication system is configured to make an insurance contract by performing communication via a communication network 4 such as a mobile phone network, a dedicated line, and the Internet.

  The mobile phone 11 can communicate with the insurance contract server 21 and the account management server 31 via the communication network 4. Through this communication, it is possible to browse a web page (commonly called a home page) presented by the insurance contract server 21 and the account management server 31 and write information on a predetermined screen on the web page. Further, the personal computer 12 communicates with the insurance contract server 21 and the account management server 31 via the communication network 4, and similarly to the mobile phone 11, the web presented by the insurance contract server 21 and the account management server 31. A page can be browsed and information can be written on a predetermined screen on the web page. Furthermore, the mobile phone 11 and the personal computer 12 use the voice response function of the insurance contract server 21 and the account management server 31 to perform voice communication when making telephone communication with the insurance contract server 21 and the account management server 31. Predetermined data corresponding to the response message can be transmitted. The mobile phone 11 and the personal computer 12 can perform data communication with the insurance contract server 21 and the account management server 31.

  The insurance contract server 21 is configured by a computer having a connection function to the communication network 4 and has a function of presenting a web page on the Internet. In addition, it has a voice response function for incoming calls from the telephone line, and when a call is received from the mobile phone 11 or the personal computer 12 of the customer 1 via the telephone line, a voice response message is sent and the message is received. The predetermined key input signal transmitted from the mobile phone 11 or the personal computer 12 can be identified. The database 22 stores various information necessary for an insurance contract such as the type of insurance and insurance premiums from the insurance contract server. Various personal information such as the address, name, telephone number, password, and deposit account number of the financial institution 4 is registered and stored.

  The account management server 31 is configured similarly to the insurance contract server 21. The database 32 stores various data related to the types and contents of financial products by the account management server 31. In addition, the customer's 1 deposit account number, deposit balance, account name, name, phone number, password, etc. are stored.

  In the communication system having the above configuration, a procedure for the customer 1 to make an insurance contract with the insurance company 2 will be described with reference to FIGS. Here, FIG. 2 shows the advance deposit account opening procedure and personal information registration procedure, and FIG. 3 shows the insurance contract procedure.

  First, the customer 1 executes a deposit account opening and deposit procedure with the financial institution 3 (step S1 in FIG. 2), and the financial institution 3 opens a deposit account and deposits according to the procedure of the customer 1, and The number, deposit balance, account name, name, phone number, password, etc. are stored in the database 32 by the account management server 31 (step S2). Here, the procedure of the customer 1 may be executed via the communication network 4 by using the mobile phone 11 or the personal computer 12, or may be performed using a document. This completes the procedure for the financial institution 3.

  Next, in order to execute the pre-registration procedure for the insurance company 2, the customer 1 uses the mobile phone 11 or the personal computer 12 to access a web page presented by the insurance contract server 21 (step S3). In response to this access, a message prompting the user to enter a password, various personal information (address, name, age, phone number, mobile phone number, e-mail address, etc.) and financial institution account information is displayed on the screen of the web page. Since it is displayed (procedure S4), the customer 1 inputs such information on the screen (procedure S5).

  When various information is input on the screen of the web page by the operation of the mobile phone 11 or the personal computer 12 of the customer 1, the insurance contract server 21 displays a message that prompts the user to select (click) the information and the confirmation button. Present a screen (step S6). When the customer 1 clicks the confirmation button (procedure S7), the insurance contract server 21 accesses the account management server 31 via the communication network 4 and inquires about the deposit account input by the customer 1 (procedure S8). . In response to the inquiry from the insurance contract server 21, the account management server 31 searches the database 32, confirms whether there is a deposit account of the customer 1, and responds to the result to the insurance contract server 21 (step S9). Here, if there is a deposit account, the balance may be notified together.

  When there is a response from the account management server 31 that there is a deposit account of the customer 1, the insurance contract server 21 presents a message indicating that the registration procedure has been completed on the screen of the web page (step S10). The customer 1 password, personal information, and deposit account number are registered in the database 22. This completes the pre-registration procedure. If the deposit account cannot be confirmed, the process returns to step S4 to present a message for re-inputting the account information.

  The customer 1 who has completed the pre-registration procedure accesses the web page presented by the insurance contract server 21 using the mobile phone 11 or the personal computer 12 in order to start the insurance contract procedure next (step S11). In response to this access, a screen prompting the user to enter a password is presented on the web page (procedure S12), and the customer 1 enters the password on the screen (procedure S13). When a password that matches the input password is registered in the database 22 in advance, the insurance contract server 21 makes a list of various insurance products and a list of them in order to enable an insurance contract from the mobile phone 11 or the personal computer 12. A screen displaying a message prompting the user to select a desired product is displayed on the web page (step S14). Here, leisure insurance, golf insurance, and camping insurance are displayed.

  For example, when the customer 1 selects golf insurance (procedure S15), the insurance contract server 21 presents a screen on which the insurance premium for golf insurance and a message prompting the user to click the confirmation button are displayed on the web page (procedure S16). ). When the customer 1 clicks the confirmation button (step S17), the insurance contract server 21 receives the contract insurance premium from the deposit account of the customer 1 registered in the database 22, and therefore the account management server via the communication network 4 31 is accessed, and information instructing withdrawal of contract insurance premium (500 yen in this case) is transmitted from the deposit account of customer 1 (step S18).

  The account management server 31 refers to the database 32 to check the deposit balance of the deposit account of the customer 1 and withdraws the contract insurance premium to update the deposit balance on the database 32 and confirm that the withdrawal has been made. The insurance contract server 21 is notified (step S19). When there is a response from the account management server 31 that the withdrawal has been made, the insurance contract server 21 presents a message to the effect that the insurance contract procedure has been completed on the screen of the web page (step S20). Register in the database 22. This terminates the insurance contract. If the withdrawal cannot be made, a screen displaying a message to that effect is presented on the web page.

As described above, according to the present embodiment, the customer 1 opens a deposit account in advance in the financial institution 3 and deposits a predetermined amount, and further gives the insurance company 2 a password, various personal information, and By registering the deposit account number in advance, at the time of insurance contract, it is only necessary to execute the application procedure for the insurance company 2, and there is no need to pay insurance premiums to the financial institution 3, so the procedure at the time of contract Becomes easier.
In the above description, the web page presented by the insurance contract server 21 is accessed again after completing the pre-procedure (step S11). However, after the pre-procedure is finished, the browsing of the web page is continued. You may transfer to procedure S11.

[Second Embodiment]
FIG. 4 is a diagram for explaining an insurance contract system according to the second embodiment of the present invention. In the present embodiment, the customer 1 who owns the mobile phone 11 and / or the personal computer 12, the insurance company 2 having the insurance contract server 21 and the database 22 connected thereto, the account management server 31 and the database 32 connected thereto. It is the same as that of 1st Embodiment that it is comprised so that the financial institution 3 which has may perform an insurance contract by communicating via the communication network 4. FIG. Also, the customer 1 performs the pre-registration procedure in the same manner as in FIG. 2 of the first embodiment, as in the first embodiment. The main differences between the present embodiment and the first embodiment are the following two points.

  One of them is that in this embodiment, the health information server 51 and the health management center 5 having a database connected thereto are connected to the communication network 4. The health management center 5 cooperates with a plurality of medical institutions (not shown) and provides health information (periodic medical examination data, treatment history data) of many examinees provided from those medical institutions via the communication network 4 or the like. And the like are collected and stored in the database 52. When the health information server 51 receives a request for provision of health information from the insurance contract server 21 of the insurance company 2 via the communication network 4 in cooperation with the insurance company 2, the health information server 51 reads the health information read from the database 52. Is transmitted to the insurance contract server 21 via the communication network 4. Here, the health information is preferably stored in association with various personal information (address, name, age, etc.) and health insurance card number.

  The second point is that in the first embodiment, as shown in FIG. 3, the customer 1 selects the contracted product and clicks the confirmation button to withdraw from the deposit account and complete the contract procedure. In the present embodiment, only the procedure for registering the contract product is executed first, and then the contract procedure or the cancellation procedure is made possible at a desired time. Accordingly, for example, in the case of a product that is contracted every time leisure is performed, such as leisure insurance, once the insurance product is selected and registered in the database 22, it becomes possible to repeatedly contract or cancel at a desired time. Hereinafter, an example of a procedure for making an insurance contract focusing on this difference will be described.

  The advance deposit account opening procedure and personal information registration procedure in the present embodiment are the same as those in the first embodiment shown in FIG. However, in this embodiment, a health insurance card number is registered in addition to the address, name, and contact information.

  The customer 1 who has completed the pre-registration procedure in this way accesses the web page presented by the insurance contract server 21 using the mobile phone 11 or the personal computer 12 in order to start the registration procedure of the insurance product next ( Step S21 in FIG. In response to this access, a screen prompting the user to input a password is presented on the web page (procedure S22), and the customer 1 inputs the password on the screen (procedure S23). When a password that matches the entered password is registered in the database 22 in advance, the insurance contract server 21 lists various insurance products and a desired product from them in order to enable registration of insurance products. A screen displaying a message prompting to select is displayed on the web page (step S24). Here, leisure insurance, golf insurance, and camping insurance are displayed.

  When the customer 1 selects an insurance product (step S25), the insurance contract server 21 gives the health management server 51 of the health management center 5 the health insurance card number of the customer 1 and personal health information specified by the number. Is transmitted (step S26). In response to the inquiry from the insurance contract server 21, the health management server 51 searches the database 52, reads the health information of the customer 1, and transmits it to the insurance contract server 21 (step S27).

  The insurance contract server 21 calculates the insurance premium with reference to the received health information, and presents a screen on which the insurance premium and a message prompting the user to click the confirmation button are displayed (step S28). When the customer 1 clicks the confirmation button (procedure S29), the insurance contract server 21 presents a message that the insurance registration procedure is completed on the screen of the web page (procedure S30), and registers the application contents in the database 22. . This completes the registration of the insurance product.

  When completing the insurance registration procedure, the customer 1 makes a call to the insurance contract server 21 using the mobile phone 11 when making an insurance contract (step S31). The insurance contract server 21 searches the database 22 based on the caller number of the mobile phone 11 to identify the customer 1 and identifies the type of insurance that the customer 1 has registered in advance (step S32). Next, in order to receive the payment of the contract insurance premium from the customer 1 deposit account registered in the database 22, the account management server 31 is accessed and the contract insurance premium (500 yen in this case) is withdrawn from the customer 1 deposit account. The instructing information is transmitted (step S33).

  The account management server 31 refers to the database 32 to check the deposit balance of the deposit account of the customer 1, and withdraws the contract insurance premium, updates the deposit balance on the database 32, and confirms that the withdrawal has been made. The insurance contract server 21 is notified (step S34). When there is a response from the account management server 31 that the withdrawal has been made, the insurance contract server 21 presents a message to the mobile phone 11 that the insurance contract procedure has been completed using voice data or text data (procedure) S35), the contract content is registered in the database 22. This terminates the insurance contract.

  As described above, according to the present embodiment, insurance products desired to be contracted are registered in advance in the database 22 of the insurance company. Since the contract procedure can be executed, the procedure at the time of insurance contract becomes simpler than that of the first embodiment, and the contract can be made immediately when it is desired to make a contract. Although FIG. 6 shows the procedure at the time of an insurance contract, the cancellation of the contract can be executed by a similar procedure.

In addition, this invention is not limited to said embodiment, Various deformation | transformation like following (1)-(6) is possible.
(1) In the case of car insurance enrollment procedure, the driver's license number is input in step S5 of FIG. 2, and the driver's license is calculated when calculating the insurance premium in step S16 of FIG. 3 or step S28 of FIG. The insurance premium is set according to the contents of the license data (excellent, etc.) from the server of the management organization.
(2) Using the cellular phone 11 and the personal computer 12 with a camera, in step S5 of FIG. 2, identification information and personal information are input as image data from the camera.
(3) Using the cellular phone 11 and the personal computer 12 having an IC card reading function, in step S5 of FIG. 2, identification information and personal information written in the IC card are input.
(4) In step S18 in FIG. 3 or step S34 in FIG. 6, without direct debiting, an inquiry is made as to whether or not the deposit balance is equal to or greater than the debit amount. Completed.

It is a figure for demonstrating the insurance contract system of the 1st Embodiment of this invention. It is a sequence diagram which shows the pre-registration procedure in the 1st Embodiment of this invention. It is a sequence diagram which shows the insurance contract procedure in the 1st Embodiment of this invention. It is a figure for demonstrating the insurance contract system of the 2nd Embodiment of this invention. It is a sequence diagram which shows the insurance registration procedure in 2nd Embodiment of this invention. It is a sequence diagram which shows the insurance contract procedure in the 2nd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Customer, 2 ... Insurance company, 3 ... Financial institution, 4 ... Communication network, 5 ... Health care center, 11 ... Mobile phone, 12 ... Personal computer, 21. .. insurance contract server, 22, 32, 52 ... database, 31 ... account management server, 51 ... health management server.

Claims (5)

  Means for storing deposit account information of a customer's transaction financial institution and a contract from the deposit account to the financial institution when receiving information indicating that an insurance contract is to be transmitted, transmitted from the customer's terminal; Means for transmitting information for instructing the withdrawal of insurance premium, and means for transmitting information indicating that the insurance contract has been completed to the customer terminal device based on response information from the financial institution. An insurance contract system characterized by In the insurance contract system according to claim 1,
Identification information storage means for storing customer identification information, means for receiving identification information transmitted from a customer terminal device, and identification information received by the means is stored in the identification information storage means An insurance contract system comprising: means for enabling an insurance contract from the terminal device when it matches the identification information. In the insurance contract system according to claim 1,
Insurance information storage means for storing insurance information that the customer desires to contract, telephone number storage means for storing the telephone number of the customer's telephone, means for detecting the caller number, and detection by the means When the transmitted caller number matches the telephone number stored in the telephone number storage unit, the caller number is determined to be information indicating that an insurance contract is stored in the insurance information storage unit. An insurance contract system characterized by comprising means. In the insurance contract system according to claim 1,
An insurance contract system comprising: means for acquiring information related to the health condition of the customer; and means for calculating contract insurance premiums in accordance with the acquired information.   When the computer of the insurance contract system receives the information indicating that the insurance contract is to be transmitted transmitted from the terminal device of the customer, the contract insurance premium is deducted from the customer's deposit account to the customer's financial institution. A program for causing the customer terminal device to function as means for transmitting information indicating that the insurance contract has been completed based on response information from the financial institution and means for transmitting information for instructing.

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