JP2009116610A - Insurance contract information provision system and client terminal connected to insurance contract information provision system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily provide a policyholder of insurance with the content of his or her own insurance. <P>SOLUTION: An insurance contract information provision system 100 includes: a clause database 120, for a plurality of types of insurance having clauses prepared therefor, discriminating a section related with insurance money and a section related with conditions in paying insurance money and a section related with conditions in not paying insurance money for each section from among the clauses of insurance, and for storing the clause data as electronic data with which identification information is associated for each section; and a clause providing part 106 for reading the electronic data of the pertinent section from the clause database in response to the designation of the identification information and reading instruction of the clause. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an insurance contract information providing system that centrally manages information related to insurance of a policyholder who has made an insurance contract, and a client terminal connected to the insurance contract information providing system.

When an insurance company makes an insurance contract, it is obliged to distribute the policy to the contractor. Patent Document 1 (Japanese Translation of PCT International Publication No. 2005-518029) describes that insurance policy is stored on a CD and provided.
JP 2005-518029 gazette

  However, the policy clauses of insurance contracts include a large number of clauses that cannot be grasped immediately even by unfamiliar people, and many policyholders do not actually fully understand the content of the clauses.

  The present invention has been made in view of the above circumstances, and an object thereof is to enable an insurance contractor to easily grasp the contents of his / her insurance.

According to the present invention,
For multiple types of insurance, each of which has a policy, each insurance policy includes a portion related to insurance claims, a portion related to conditions for paying insurance money, and a portion related to conditions for not paying insurance money. A contract database that is distinguished for each part and stored as electronic data with identification information associated with each part,
Along with the designation of the identification information, when there is an instruction to read the clause, a clause provision section that reads and provides the corresponding part of the electronic data from the clause database,
A policy providing system for insurance contracts is provided.
With such a configuration, it is possible for the policyholder of the insurance to easily read out the necessary part of the policy, and it is possible to easily grasp the contents of his insurance.

A client terminal connected to the insurance contract information providing system via a network,
Displaying information on the user's insurance contracts as a list, and for each insurance contract, the portion related to the insurance money of the policy contract in the policy database, the portion related to the conditions for paying the insurance money, and the case where the insurance money is not paid A display processing unit for displaying access information for accessing each of the conditions related to the conditions together with information for identifying the insurance contract and information indicating which part of the contract is applicable,
A data request processing unit for requesting the electronic data by transmitting the access information to the insurance contract information providing system when the access information in any of the lists is selected;
Including
When the electronic processing data is provided from the insurance contract information providing system in response to a request from the data request processing unit, the display processing unit is provided with a client terminal that displays the electronic data.

  It should be noted that any combination of the above-described constituent elements and a conversion of the expression of the present invention between a method, an apparatus, a system, a recording medium, a computer program, etc. are also effective as an aspect of the present invention.

  According to the present invention, it is possible for an insurance contractor to easily grasp the contents of his / her insurance.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. In all the drawings, the same reference numerals are given to the same components, and the description will be omitted as appropriate.

FIG. 1 is a block diagram showing a network configuration including an insurance contract information providing system in the present embodiment.
Here, the insurance contract information providing system 100, the client PC 200, the client PC 202, the insurance company server 300, and the insurance company server 302 are connected to the network 400. The network 400 can be, for example, the Internet. The insurance company server 300 and the insurance company server 302 are insurance company servers. The client PC 200 and the client PC 202 are terminals used by contractors who have made insurance contracts with insurance companies that manage the insurance company server 300, the insurance company server 302, and the like.

  In the present embodiment, the insurance contract information providing system 100 is operated by a contractor entrusted with insurance contract management operations between an insurance company and a user who is a contractor. This trader can be, for example, an insurance contract agent. The insurance contract information providing system 100 stores information related to insurance contracted by the user of the client PC 200 or the client PC 202, and provides such information in response to a request from the user. The user accesses the insurance contract information providing system 100 from the client PC 200, the client PC 202, etc. via the network 400, and acquires information related to his / her insurance from the insurance contract information providing system 100. In the client PC 200 and the client PC 202, information related to insurance acquired from the insurance contract information providing system 100 is displayed by browsing software.

  FIG. 2 is a block diagram specifically showing the configuration of the insurance contract information providing system 100 and the client PC 200. The client PC 202 has the same configuration as the client PC 200.

  In FIG. 2, the configuration of parts not related to the essence of the present invention is omitted. Each component of the insurance contract information providing system 100 and the client PC 200 shown in FIG. 2 is not a hardware unit configuration but a functional unit block. Each component of the insurance contract information providing system 100 and the client PC 200 includes an arbitrary computer CPU, memory, a program for realizing the components shown in the figure loaded in the memory, a storage unit such as a hard disk for storing the program, and a network. It is realized by any combination of hardware and software, centering on the connection interface. It will be understood by those skilled in the art that there are various modifications to the implementation method and apparatus.

  The insurance contract information providing system 100 includes a communication control unit 102, a contract information providing unit 104, a clause provision unit 106, a user authentication unit 108, a search condition reception processing unit 110, a news provision unit (expiration detection unit) 112, a clause database 120, A contract information database 122 and a user information storage unit 124 are included.

  The communication control unit 102 transmits / receives data to / from other devices such as the client PC 200 via the network 400.

  The user information storage unit 124 stores information for authenticating a user who is permitted to log in to the insurance contract information providing system 100. The user authentication unit 108 receives a login request from the client PC 200 via the communication control unit 102, and authenticates the user by referring to the user information storage unit 124 based on the user identification information (user ID) and the authentication information. Thus, the user login process is performed. Here, the authentication information can be a password, for example. The user authentication unit 108 also performs logout processing for the user based on an instruction from the logged-in user.

  The policy database 120 stores a policy for multiple types of insurance. In this embodiment, the clause database 120 does not store the clauses as they are, but for each type of insurance for which the clauses are prepared, the portion of the insurance clause for each insurance is the first part. The part relating to the condition when paying the insurance money is stored as electronic data in a state of being distinguished for each part as the second part, and the part relating to the condition when not paying the insurance money is the third part. Further, the clause database 120 stores electronic data in association with identification information unique to each part. The unique identification information can be composed of information indicating which insurance is supported and information indicating which portion is supported.

  Covenants are created in different forms depending on the insurance company and type of insurance. However, any contract includes a portion related to insurance claims, a portion related to conditions for paying insurance claims, and a portion related to conditions for not paying insurance claims. In the present embodiment, the operator of the insurance contract information providing system 100 obtains the clauses from each insurance company, and does not pay the portion related to the insurance money, the portion related to the condition for paying the insurance money, or the insurance money for each clause. The parts related to the conditions of the case are extracted, and these are distinguished as the first part, the second part, and the third part for each part and stored in the clause database 120.

FIG. 3 is a diagram illustrating an example of an internal configuration of the clause database 120.
Here, the clause database 120 includes an insurance company name column, an insurance name column, and a clause column. The policy section is divided into the first part for insurance claims in the insurance policy, the second part for conditions for paying insurance claims, and the third part for conditions for not paying insurance claims. Electronic data is stored. Here, the file names “part1,” “part2,” and “part3” are attached to the electronic data of the first part, the second part, and the third part, respectively. Here, each insurance is identified by the combination of the insurance company name and the insurance name, and it can be determined which insurance corresponds. Also, it can be determined which part corresponds to the file name. Here, the policy database 120 shows a configuration including the insurance company name column and the insurance name column, but instead of these, identification information that can identify each insurance and the policy may be stored in association with each other. it can.

  Returning to FIG. 2, when the provision providing unit 106 is instructed by the client PC 200 via the communication control unit 102 to read out the covenant together with information for identifying insurance and designation of the covenant part, the corresponding covenant of the corresponding covenant is displayed. The electronic data is read and provided to the client PC 200. For example, when the client PC 200 instructs to read a policy for a portion related to the insurance money of A non-life insurance for A non-life insurance, the policy providing unit 106 is associated with “A non-life insurance” and “abc auto insurance” in the policy database 120. The electronic data “part1” is read out and provided to the client PC 200.

  The contract information database 122 stores information related to a plurality of insurance contracts of the user in association with the user ID. The contract information providing unit 104 reads, from the contract information database 122, information related to the insurance contract associated with the identification information of the user when there is an instruction to read out information related to the user's insurance contract along with designation of the user ID. Provided to the client PC 200. In the present embodiment, the contract information providing unit 104 is associated with the identification information of the user when the user is authenticated by the user authentication unit 108 and there is an instruction to read out information on the insurance contract in the logged-in state. Information related to the insurance contract is read from the contract information database 122 and provided to the client PC 200.

FIG. 4 is a diagram illustrating an example of a part of the internal configuration of the contract information database 122.
The contract information database 122 includes, for each insurance contract, contract identification information, user ID, insurance company name, insurance name, security number, contractor name, insured person name, insurance period (insurance policy application period), insurance amount, The insurance classification, the cause of the insurance claim payment, the result of the insurance payment, etc. are stored. Here, the contract identification information can be information uniquely assigned to each insurance contract handled by the insurance contract information providing system 100. That is, the security number is assigned by each insurance company, but the contract identification information is identification information assigned for managing the insurance contract in the insurance contract information providing system 100. Also, the user ID is uniquely assigned to a user who has made a contract using the insurance contract information providing system 100. In FIG. 4, only one insurance contract is shown. The contract information database 122 holds information as shown in FIG. 4 for each of a plurality of insurance contracts.

  Returning to FIG. 2, the contract information providing unit 104 includes, as part of the information related to the insurance contract, a part related to the insurance money of the policy contract of the policy database 120 and a part related to the condition for paying the insurance money for each insurance contract. , Provide access information to access each part about the conditions when not paying insurance. Here, the access information can be link information to the corresponding data in the clause database 120, and is a combination of information indicating the insurance specified by the insurance company name and the insurance name and information indicating each part. You can also.

  The search condition reception processing unit 110 receives a search condition for detecting a corresponding contract from the client PC 200. The search condition reception processing unit 110 can receive the corresponding person, cause, and result of the case as a search condition together with the designation of the user ID. In this case, the search condition reception processing unit 110 refers to the contract information database 122 based on the received search condition, and detects an insurance contract applicable to the case from the user's insurance contract. The search condition reception processing unit 110 provides the client PC 200 with information regarding the detected contract information.

  The news providing unit 112 may include an expiration detection function for detecting an insurance contract that is about to expire. In addition, when the news providing unit 112 detects an insurance contract that is about to expire, the information providing unit 112 displays information indicating that the application period of the insurance contract is about to expire as part of the information related to the insurance contract of the insurance contract. It can be added to the contract information database 122. In addition, when the news providing unit 112 detects an insurance contract that is about to expire, the news providing unit 112 provides estimate information of a new insurance contract as a substitute for the insurance contract as part of the information related to the insurance contract of the insurance contract. It can also be added to the contract information database 122. The contract information providing unit 104 can provide these pieces of information to the client PC 200 together with information on other insurance contracts.

  The client PC 200 includes a data request processing unit 204, a display processing unit 206, a communication control unit 208, and a contract information storage unit 209. The client PC 200 is connected to the display 210 and the operation unit 212. A user of the client PC 200 operates the client PC 200 through the operation unit 212. In addition, the display processing unit 206 performs display on the display 210.

  To the insurance contractor (hereinafter referred to as a user), browsing software for browsing information related to insurance is distributed. The browsing software may be distributed, for example, in a form stored on a CD or the like, or may be acquired via the network 400. When the user installs the viewing software on the client PC 200, the viewing software can be used on the client PC 200.

  The browsing software can also be distributed from the insurance company when the user contracts for a certain insurance. In this case, information on the contracted insurance in the initial state can be stored in the database of the browsing software. As another example, only the browsing software can be distributed to users. In this case, when the user accesses the insurance contract information providing system 100, information on the insurance contracted by the user at that time is stored in the database of the browsing software and can be displayed on the client PC 200. . In addition, the user can open the browsing software on the client PC 200 and input information on the insurance of his / her own family on the screen of the corresponding headline. When the user inputs information from the client PC 200, the information is stored in the contract information storage unit 209. In this case, when the user accesses the insurance contract information providing system 100 next time, the information stored in the contract information storage unit 209 and the information stored in the contract information database 122 in the insurance contract information providing system 100 are matched. Thus, synchronization can be achieved, for example, by confirming the characteristics and storing additional information in the contract information database 122.

  The data request processing unit 204 and the display processing unit 206 of the client PC 200 are realized by this browsing software function. The display processing unit 206 displays information related to insurance acquired from the insurance contract information providing system 100 on the display 210. The data request processing unit 204 requests information by transmitting necessary information to the insurance contract information providing system 100 based on an instruction given by the user to the screen displayed on the display 210. The communication control unit 208 transmits / receives data to / from other devices such as the insurance contract information providing system 100 via the network 400.

  The data request processing unit 204 stores the user's contract information acquired from the insurance contract information providing system 100 in the contract information storage unit 209. That is, when the user of the client PC 200 logs into the insurance contract information providing system 100 and instructs to read out information regarding the insurance contract, all the information regarding the insurance contract associated with the user ID of the user is transmitted to the client PC 200. It can also be. In this case, the client PC 200 stores information related to the user's insurance contract in the contract information storage unit 209. With such a configuration, even when the user of the client PC 200 does not access the insurance contract information providing system 100, the display processing unit 206 can browse information related to his / her insurance contract.

  As yet another example, when the client PC 200 holds the contract information storage unit 209 locally, when the user makes a new insurance contract, the insurance company stores information on the insurance contract to be stored in the contract information database. For example, it can be attached to an e-mail or the like and transmitted to the user. When the user saves the information in the local contract information database, the display processing unit 206 can browse information related to the new insurance contract. In the browsing software, for example, various information is described in a spreadsheet software format as a matrix, and the data can be pasted for each contract.

5 and 6 are diagrams illustrating examples of screens displayed on the display 210 by the display processing unit 206. FIG.
The display processing unit 206 displays insurance-related information in a tab method (folder method) provided with a plurality of headings for switching and displaying a plurality of screens in one window. Here, a heading is provided for each type of insurance. Types of insurance include life insurance, personal pension, disability / damage, automobile / motorcycle, fire / earthquake, medical care, group contract, etc. The display processing unit 206 determines on which screen information related to the insurance contract is to be displayed according to the insurance classification of the information related to the insurance contract transmitted from the insurance contract information providing system 100. In the window 500, headings 510 to 522 corresponding to these are provided. The window 500 is used to input a login screen header 508 for inputting login information for logging in to the insurance contract information providing system 100 and a search condition for sending search conditions to the insurance contract information providing system 100. A search condition input screen heading 524 is also provided. When the user of the client PC 200 selects any heading, a screen having contents corresponding to the heading is displayed in the window 500.

  FIG. 5 shows an example in which a headline 516 is selected and a list 502 of insurance contents related to automobiles and motorcycles is displayed. The list 502 displays information on insurance related to automobiles and motorcycles out of insurance contracted by the user of the client PC 200.

  In the list 502, an insurance company name, insurance name, security number, contractor name (insured person name), insurance period, insurance amount, and the like are displayed. The list 502 also associates, for each insurance contract, the contents of the insurance money, a link to the respective clauses when the insurance money is paid, and when the insurance money is not paid.

  In the figure, the underlined portion indicates that a link is established. For example, when the user clicks on the “details” portion of the contents column of insurance money corresponding to A non-life insurance, the data request processing unit 204 obtains the “insurance contents” portion of the abc auto insurance policy of A non-life insurance. To the insurance contract information providing system 100 as a request to do so.

  In the insurance contract information providing system 100, the policy provision unit 106 reads out the electronic data of part 1 of the policy of A non-life insurance abc car insurance from the policy database 120 and transmits it to the client PC 200. As a result, the electronic data of part 1 of the ABC insurance policy of A nonlife insurance is displayed on the client PC 200. At this time, items such as “insurance details (excerpts from the clauses)” can be displayed together with the electronic data.

  A user who is a contractor who is unfamiliar with the terms cannot immediately understand the contents even if they look at the terms as they are. The user can grasp that the contract regarding the contents of the insurance money is displayed.

  The list 502 can display family unit information as the user of the client PC 200. For example, if information related to family insurance is registered in advance in the insurance contract information providing system 100 in association with one user ID, all insurances in which the family of the user of the client PC 200 is a contractor or an insured person are registered. Can be displayed in a list for each type of insurance.

  Furthermore, a news column is also displayed in the list 502 for each insurance contract. In the news column, for example, “!” Is displayed for the insurance that is about to expire, and when the user clicks “!”, The expiration of the insurance period is approaching and a new replacement for the insurance contract is displayed. An insurance contract estimate or the like can be displayed. In the present embodiment, since the insurance contract information providing system 100 holds the information of each user, various insurance contract estimates are newly obtained from the user by obtaining approval from the user in advance. This can be done without input of information, and information on various insurance contracts can be provided.

  In addition, the insurance contract information providing system 100 is not limited to insurance company contracts, company employment rules, neighborhood associations and children's association accident insurance, card company automatic incidental accident insurance contract information, sports club group contracts, etc. Can also be provided. Such contracts are not made individually, but are made, for example, on a company basis or association basis. Such a contract can be displayed in the window 500 by selecting “Group Contract” in the heading 522.

FIG. 6 shows an example in which the headline 524 is selected and a condition input screen for searching for the corresponding insurance is displayed.
When a user encounters a case where insurance money may be paid, the user enters a condition on this screen to display the corresponding insurance. Here, "who" (insured person), when, where (applicable place), "why" (cause), and "what" (result) are entered. When the user inputs these and presses the “corresponding insurance search” button, the data request processing unit 204 transmits them to the insurance contract information providing system 100 as a search condition for detecting the corresponding insurance.

  In the insurance contract information providing system 100, the search condition reception processing unit 110 receives this search condition and refers to the contract information database 122 to detect the corresponding insurance contract. The search condition reception processing unit 110 includes information stored in the “insured person” column, the “cause” column, and the “result” column illustrated in FIG. 4, and “who” of the search condition transmitted from the client PC 200 ( The corresponding insurance contract is detected by comparing the information corresponding to “insured person”, when, where (application location), “why” (cause), and “what happened” (result). In FIG. 4, the “Cause” column is “all” in order to detect without limitation. The search condition of the heading 524 in the present embodiment is not intended to strictly find the corresponding insurance contract by this, but to roughly detect the insurance that may be applicable. Therefore, in the contract information database 122, conditions that are detected more widely are set instead of setting more detailed conditions.

  The search condition reception processing unit 110 transmits the detected insurance to the client PC 200. As a result, a list of applicable insurance is displayed on the client PC 200. The list can include the same items as the list 502 shown in FIG. In this case, not all types of insurance but all applicable insurances can be displayed on the screen of the heading 520 as one list.

  Although not shown here, the window 500 may be provided with a screen for inputting information necessary for an insurance claim for making an insurance claim in the insurance contract information providing system 100. Well, a corresponding heading may be provided. The insurance bill can be directly transmitted to the insurance company server 300 or the insurance company server 302.

  For example, the accident report and the insurance claim procedure can be performed by selecting one of the insurance contracts included in the insurance list corresponding to the user's case displayed on the screen of the heading 520. .

  As mentioned above, although embodiment of this invention was described with reference to drawings, these are the illustrations of this invention, Various structures other than the above are also employable.

  For example, the client PC 200 can locally maintain a policy database that stores the policy of the user's insurance contract. In this case, the client PC 200 has the same function as the insurance contract information providing system 100. In this case, the user of the client PC 200 can obtain information on a new insurance contract by accessing the insurance contract information providing system 100.

  Furthermore, as another example, the client PC 200 can be browsed by accessing the insurance contract information providing system 100 without storing the user's contract information.

The present invention can be used in the following forms.
When a user makes an insurance contract, he / she receives an insurance policy on a paper basis, and receives a contract information database including information on the insurance contract and a CD or the like in which browsing software for browsing the contract information database is stored. it can. When the user installs the viewing software on his / her personal computer, the contract information database is also stored in the personal computer, and information related to the contract can be viewed with the viewing software. Also, at this time, the contract information database can store link information to the contract as access information to the contract, and when the user clicks on any access information, the information is transmitted via a network such as the Internet. You can see the relevant terms and conditions. In addition to the terms and conditions, links are made to various terms, and when the user clicks on them, the glossary on the network prepared in advance can be accessed and explanations of terms etc. can be viewed. be able to. Furthermore, explanations of terms can be played by voice.

It is a block diagram which shows the network structure containing the insurance contract information provision system in embodiment of this invention. It is a block diagram which shows the structure of the insurance contract information provision system and client PC in embodiment of this invention. It is a figure which shows an example of an internal structure of a clause database. It is a figure which shows an example of a part of internal structure of a contract information database. It is a figure which shows the example of the screen displayed on a display by a display process part. It is a figure which shows the example of the screen displayed on a display by a display process part.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 Insurance policy information provision system 102 Communication control part 104 Contract information provision part 106 Contract provision part 108 User authentication part 110 Search condition reception process part 112 News provision part 120 Contract database 122 Contract information database 124 User information storage part 200 Client PC
202 Client PC
204 Data request processing unit 206 Display processing unit 208 Communication control unit 209 Contract information storage unit 210 Display 212 Operation unit 300 Insurance company server 302 Insurance company server 400 Network 500 Window 502 List

Claims (9)

For multiple types of insurance, each of which has a policy, each insurance policy includes a portion related to insurance claims, a portion related to conditions for paying insurance money, and a portion related to conditions for not paying insurance money. A contract database that is distinguished for each part and stored as electronic data with identification information associated with each part,
Along with the designation of the identification information, when there is an instruction to read the clause, a clause provision section that reads and provides the corresponding part of the electronic data from the clause database,
Insurance contract information provision system including In the insurance contract information providing system according to claim 1,
The insurance information providing system comprising the information indicating which insurance corresponds and the information indicating which part corresponds to the identification information. In the insurance contract information providing system according to claim 1 or 2,
The policy provision section provides an insurance contract information provision system that accepts an instruction to read the policy together with designation of the identification information from a client terminal connected via a network, and provides the electronic data to the client terminal. In the insurance contract information provision system according to any one of claims 1 to 3,
A contract information database for storing information related to a plurality of insurance contracts of the user in association with the identification information of the user;
When the user's identification information is designated and there is an instruction to read out information related to the user's insurance contract, information related to the insurance contract associated with the user's identification information is read from the contract information database and provided. The contract information provider,
Further including
The contract information providing unit includes, as part of the information related to the insurance contract, for each insurance contract, a part related to the insurance money of the contract of the insurance contract in the policy database, a part related to conditions for paying the insurance money, an insurance money An insurance contract information provision system that provides access information for accessing each part related to conditions when not paying. In the insurance contract information providing system according to claim 4,
The contract information providing unit, when the user's identification information is specified and when there is an instruction to read out information related to the user's insurance contract, and when the user is authenticated based on the user's identification information, An insurance contract information providing system that reads out and provides information related to the insurance contract associated with the contract information database. In the insurance contract information providing system according to claim 4 or 5,
The contract information database stores the application period of the insurance contract for each insurance contract as information on the insurance contract,
The insurance contract information providing system further includes an expiration detection unit that detects an insurance contract whose expiration date of the insurance contract is nearing expiration,
The contract information providing unit, when the expiration detection unit detects an insurance contract whose expiration date is close to expiration, as part of the information related to the insurance contract of the insurance contract is nearly expired. An insurance contract information provision system that provides information indicating that. In the insurance contract information providing system according to claim 6,
The contract information providing unit, when the expiration detection unit detects an insurance contract whose application period is almost expired, as a part of information related to the insurance contract of the insurance contract, a new insurance that replaces the insurance contract Insurance contract information provision system that provides contract estimate information. In the insurance contract information provision system according to any one of claims 4 to 7,
The contract information database stores, as information on the insurance contract, the insured person of the insurance contract and the cause and result of the case where the insurance contract is applied for each insurance contract,
The insurance contract information providing system accepts the corresponding person, cause and result of the case as a search condition together with the designation of the identification information of the user, and applies to the case from the user's insurance contract based on the search condition. An insurance policy information providing system further including a search condition reception processing unit that detects and provides a possible insurance policy. A client terminal connected to the insurance contract information providing system according to any one of claims 1 to 8 via a network,
Displaying information on the user's insurance contracts as a list, and for each insurance contract, the portion related to the insurance money of the policy contract in the policy database, the portion related to the conditions for paying the insurance money, and the case where the insurance money is not paid A display processing unit for displaying access information for accessing each of the conditions related to the conditions together with information for identifying the insurance contract and information indicating which part of the contract is applicable,
A data request processing unit for requesting the electronic data by transmitting the access information to the insurance contract information providing system when the access information in any of the lists is selected;
Including
The display processing unit is a client terminal that displays electronic data when corresponding data is provided from the insurance contract information providing system in response to a request from the data request processing unit.

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