JP2009217676A - Application acceptance device for insurance money or the like, application acceptance method for insurance money or the like, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an application acceptance technique for insurance money or the like, for supporting and accepting an application of insurance money or the like. <P>SOLUTION: An application acceptance device 10 for insurance money or the like comprises a storage part 14 which is provided with an instruction A-type DB 21a and an instruction B-type DB 21b as an instruction DB 21. The instruction A-type DB 21a is used for determining whether an event which occurred in a user is contained in contract information or not by use of a stylized question. The instruction B-type DB 21b is constituted, in order to specify a photographing point of an image to be attached to an application form, in association with the next question for narrowing the range of the photographing point of an image to be attached to an application form according to the answer to the stylized question. The acceptance device 10 gives the questions to the user along the instruction DB 21, supports formation of documents necessary for application or the like, and accepts the application documents or the like. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an insurance application application receiving apparatus, an insurance application application receiving method, and a program that support and receive an application for insurance money.

  When applying for insurance claims (insurance claims and benefits), insurance subscribers contact insurance institutions and have the application form and documents required for application mailed to them. Creating. However, in many cases, insurance subscribers are not familiar with the details of their insurance coverage. And even if the insurance subscriber is mailed an application form or the like that only corresponds to a part of the contract contents, it does not notice.

Therefore, Patent Document 1 discloses an accident report processing apparatus that allows an insurance subscriber to apply without omission even if the insurance subscriber is not familiar with the contents of insurance. Specifically, an accident report processing device that is communicably connected to an insurance subscriber's terminal accepts a telephone or e-mail contact from the terminal and searches for the insurance contract that the insurance subscriber has contracted. The application form and the attached documents necessary for the application are presented on the terminal, and information inputted from the terminal is accepted for the application.
JP 2006-190055 (see paragraphs 0013 to 0015)

  However, the accident report processing apparatus described in Patent Document 1 has a problem in that important information is lost because it is impossible to give an instruction as to which part of the accident site the photograph should be taken.

  The present invention has been made in view of the problems as described above, and provides an insurance application application receiving apparatus, an insurance application application receiving method, and a program that supports and accepts an application for insurance money, etc. Let it be an issue.

  In order to solve the above-described problem, an insurance claim application receiving apparatus according to the present invention is communicably connected to a terminal operated by a user via a network, and includes a control unit and a storage unit. The contract information of the insurance that the user has subscribed to is stored in association with the user identification information, the contract information and the application document are stored in association with each other, and the image is taken in response to the answer to the question for each contract information. Storing the question information configured by associating the next question for narrowing the range of the part, and when the control unit receives the user identification information from the terminal, the storage unit refers to the storage unit to the user identification information. The associated contract information is acquired, a question related to the acquired acquisition contract information is presented to the terminal, an answer to the question is received, and the received answer is included in the acquired contract information Determining whether the received answer is included in the acquisition contract information when the received response information is included in the acquisition contract information. When the application document corresponding to the acquisition contract information including the accepted response is identified, the information of the identified application document is notified to the terminal, and an image attached to the identified application document is required, Referencing the question information, sequentially presenting questions to the terminal, receiving an answer thereto, specifying a shooting location of the image, and notifying the terminal of the specified shooting location of the specified image It is characterized by.

  According to the present invention, it is possible to support and accept an application for insurance money.

  Next, the best mode for carrying out the present invention (hereinafter referred to as “embodiment”) will be described in detail with reference to the drawings as appropriate.

<< First Embodiment >>
The configuration of the insurance claim application receiving system according to the first embodiment of the present invention will be described with reference to FIG. FIG. 1 is a diagram showing a configuration of an insurance claim application receiving system according to the first embodiment of the present invention.
The insurance claim application receiving system 1 is configured such that an insurance claim application receiving apparatus 10 that supports and receives an application for an insurance claim is connected to a terminal 16 via a network 15 so as to be communicable with the network 15 and a base station 17. The camera-equipped mobile phone 18 is configured to be communicable with each other. In FIG. 1, only one terminal 16, base station 17, and camera-equipped mobile phone 18 are shown, but there may be a plurality of each.

The insurance claim application receiving apparatus 10 includes a main control unit 11, an input / output unit 12, a communication control unit 13, and a storage unit 14.
The main control unit 11 (control unit) includes a CPU (Central Processing Unit) (not shown) that executes arithmetic processing, and a main memory (not shown) that is a main storage device used by the CPU for arithmetic processing. The main memory is realized by a RAM (Random Access Memory) or the like. Then, an application program stored in the storage unit 14 constituted by a hard disk (not shown) is expanded in the RAM, and the CPU implements various processes by executing it. Moreover, the main control part 11 has a function which controls each part (12-14) in the claim application receiving apparatus 10, and manages transmission of the information between each part (12-14).
The instruction control unit 30 is a function that appropriately selects a question to the user and receives a response while referring to the instruction DB (21) that stores a question for acquiring information such as an event (accident) that has occurred to the user. Have Note that the instruction control unit 30 is not provided independently of the main control unit 10, but is a part of the functions of the main control unit 30.

  The input / output unit 12 includes an input unit and a display unit (not shown). The display unit is configured by a CRT (Cathode Ray Tube), an LCD (Liquid Crystal Display), or the like, and displays a screen on which an operator who operates the insurance claim application receiving apparatus 10 confirms input data, processing results, and the like. The input unit includes a mouse, a keyboard, and the like, and receives information input by an operator.

  The communication control unit 13 has a function in which the main control unit 11 controls transmission / reception of information via the network 15.

The storage unit 14 has a function of accumulating programs executed by the main control unit 11, data necessary for execution, calculation processing results, and various information received by the units (12 to 13).
The storage unit 14 includes a contract DB (20) for storing user contract information, an instruction DB (21) for storing questions for acquiring information such as events that have occurred to the user, and a camera-equipped mobile phone 18. A map DB (22) that stores map information searched based on position information acquired from a GPS (Global Positioning System) function is provided. The contract DB (20), instruction DB (21), and map DB (22) will be described later.

  The network 15 is configured, for example, by connecting a mobile phone network and the Internet. That is, the insurance claim application receiving apparatus 10 and the terminal 16 can communicate with each other by TCP / IP (Transmission Control Protocol / Internet Protocol). The base station 17 is connected to a mobile phone network and has a function of converting between a mobile phone network protocol and a mobile phone wireless protocol. Therefore, communication is possible between the insurance claim application receiving apparatus 10 and the camera-equipped mobile phone 18.

  The terminal 16 is, for example, a PC (Personal Computer) operated by a user, and includes a control unit, a display unit, an input unit, a storage unit, and a communication control unit (not shown). The control unit corresponds to a CPU and controls the display unit, the input unit, the storage unit, and the communication control unit. Then, the terminal 16 can capture image information such as an accident scene photographed by the digital camera and transmit it to the insurance claim application receiving apparatus 10. Further, the terminal 16 can display the question transmitted from the insurance claim application receiving device 10 on the display unit, receive a response from the input unit, and send it back to the insurance claim application receiving device 10. . In addition, transmission / reception of a question and a response is performed using a web page or an e-mail.

The base station 17 is an antenna for a mobile phone and has a function of controlling information transmission (protocol conversion or the like) between the camera-equipped mobile phone 18 and the network 15.
The camera-equipped mobile phone 18 includes at least a control unit (not shown), an input unit, a display unit, and a camera. The control unit corresponds to a CPU and controls the input unit, the display unit, and the camera. The display unit is configured by an LCD or the like, and displays received information, processing results, and the like. The input unit includes buttons for inputting characters, input keys used for cursor operation, and the like, and receives information input. In addition, the camera-equipped mobile phone 18 can transmit an image taken by the camera to the insurance claim application receiving apparatus 10. The image may be a photograph or a video (moving image). The camera-equipped mobile phone 18 may have a GPS function.

  Next, the contract DB (20), the instruction DB (21), and the map DB (22) stored in the storage unit 14 will be described. The contract DB (20) and the instruction DB (21) will be described with reference to FIGS. 2 and 3 (see FIG. 1 as appropriate). FIG. 2 is a diagram illustrating an example of the contract DB. FIG. 3 is a diagram illustrating an example of the instruction DB.

As shown in FIG. 2, the contract DB (20) includes a user ID (user identification information) and a password (user identification information) used for authentication when the user accesses the insurance claim application receiving apparatus 10, and Information related to the user's insurance contract is stored.
Registration of user identification information is performed, for example, by an operator of an insurance institution issuing a user ID to the user and acquiring insurance contract details and a password from the user. Alternatively, the insurance claim application acceptance device 10 transmits screen information for accepting input about the user's insurance contract details and password to the terminal 16 or camera-equipped mobile phone 18 operated by the user, and the terminal 16 or camera-equipped cellular phone. Response information already entered from the telephone 18 may be acquired and a user ID may be issued.
The information relating to the insurance contract is at least the name of the insurance company, the insurance item, and the contract information. The insurance items are, for example, automobile insurance, life insurance, fire insurance, and the like. The contract information is details of the contract contents of the insurance contracted by the user. Although not shown in FIG. 2, it is assumed that the contract information is stored in the contract DB (20) in association with the format of the application document required when applying.
It is assumed that the contract information is registered in the insurance money application receiving apparatus 10 by the user or the operator of the insurance organization. Alternatively, the contract information may be acquired from an insurance company that provides the insurance service with reference to the registered insurance company name.

  The instruction A type DB (21a) shown in FIG. 3 (a) is composed of questions for determining whether or not an event that has occurred in an insurance item or a user is included in the contract information. Initially, a question about “what happened” is used to determine which of “car accident / illness / fire” is true. After the question, in order to determine whether or not it is included in the contract information, a fixed question such as “when”, “where”, “who”, “what”, “why” is used. And a question is stored in instruction | indication A type DB (21a) so that the expression of a question may differ for every car accident, illness, and fire.

The instruction B type DB (21b) shown in FIG. 3 (b) is an example in the case of a car accident, the question of the instruction A type DB (21a) is completed, and the application document is specified and attached to the application document. When an image (photograph or video) of evidence to be used is required, it is provided for issuing an instruction for specifying a shooting location. The instruction B type DB (21b) is configured by associating the following questions with each event that has occurred to the user (an event selected by the user) so as to narrow the range of locations to be photographed according to the answer to the question. Yes.
For example, the instruction B type DB (21b) has a first question → second question → third question in order to obtain an image of a damaged part when the accident occurrence event is “car accident”. As you move down, the questions are arranged in order so that you can narrow down the scope of the location where you take a picture. The structure is as follows: (first question) rear-end collision → (second question) rear-end / rejected / ball-throw → (third question) forward / backward / stop → ... → (instruction) All / front side / right side / left side / rear side, etc. This configuration is created so that the order of the questions is arranged based on the result of investigating in advance the degree of relevance between the answer to the question and the next question using a known neural network technology or the like. The
Also, depending on the answer to the question, it is preferable to limit the items to be asked. For example, in the case where the second question is “rejected”, the third question is not to ask questions that are not related to “when stopped”.

  The map DB (22) (not shown) stores the map and the positions of buildings, roads, etc. displayed on the map in association with latitude and longitude information. About the building displayed on a map, the address is also linked | related and memorize | stored. For roads, information (road information) such as road name, number of lanes, and speed limit is also stored. When the camera-equipped mobile phone 18 has a GPS function, the insurance claim application acceptance device 10 determines the position of the camera-equipped mobile phone 18 based on the latitude / longitude information received from the camera-equipped mobile phone 18. It is possible to acquire an address and road information in the vicinity of the position. Further, the insurance claim application receiving apparatus 10 can transmit the acquired address and road information, and the location of the camera-equipped mobile phone 18 and map information around the camera-equipped mobile phone 18 to the camera-equipped mobile phone 18.

Next, the flow of processing executed in the insurance claim application receiving system 1 will be described with reference to FIGS. 4 and 5 are diagrams showing the flow of application acceptance processing executed in the insurance claim application acceptance system of the first embodiment (see FIGS. 1 to 3 as appropriate).
4 and 5 show an example in which the insurance claim application receiving apparatus 10 and the camera-equipped mobile phone 18 are used. However, if the terminal 16 is used instead of the camera-equipped mobile phone 18, the same processing flow is obtained.

First, the contract DB (20) stored in the storage unit 14 of the insurance claim application receiving apparatus 10 is created in advance before step S101 (start of access by the user) shown in FIG. .
Then, a user who does not know whether he / she can receive insurance money or the like accesses the insurance money application receiving apparatus 10 from the camera-equipped mobile phone 18 (step S101). This access destination is a URL (Uniform Resource Locator) of a site that displays a web page that accepts an application for insurance money or the like.

The insurance claim application acceptance device 10 is in a standby state for accepting access, but when access is received from the camera-equipped mobile phone 18, screen information that prompts the user ID and password to be input is displayed on the camera-equipped mobile phone 18. Transmit (step S102). The camera-equipped mobile phone 18 returns information relating to the user ID and password input by the user via the received screen to the insurance claim application receiving apparatus 10 (step S103).
Next, the insurance claim application receiving apparatus 10 searches the contract DB (20) for the received user ID and password (step S104). Then, the insurance claim application receiving apparatus 10 determines whether both the user ID and the password match those registered in the contract DB (20) (step S105).

If either or both of the user ID and the password do not match (No in step S105), the camera-equipped mobile phone 18 states that access is not possible, such as “user ID or password is not registered”. A message is displayed and notified to the user (step S106).
If both the user ID and the password match (Yes in step S105), the insurance application receiving apparatus 10 searches the contract DB (20) (step S107) and associates it with the corresponding user ID or password. Obtained insurance company name, insurance item, and contract information (acquisition contract information).

Then, the insurance claim application receiving apparatus 10 transmits a standard question to the camera-equipped mobile phone 18 according to the acquired acquisition contract information, and accepts an answer from the camera-equipped mobile phone 18 (steps S108 and S109). Steps S108 and S109 are repeated until the contents that can be applied are determined. As the question at this time, the standard question shown in the instruction A type DB (21a) (see FIG. 3) is used.
Based on the received answer, the insurance claim application receiving apparatus 10 determines whether or not an event that has occurred to the user is included in the contract information, and the contents that can be applied (determination information) and the application documents to be submitted Is notified to the camera-equipped mobile phone 18 (step S110). Note that the determination information and the information related to the application document may be notified separately. That is, the information related to the application document may be notified only when the determination result is that the event that occurred to the user is included in the contract information. In addition, when the determination result is that the event that occurred to the user is not included in the contract information, the information related to the application document may be a notification that there is no document to be applied.
And the mobile phone 18 with a camera receives the notification which concerns on the content which can be applied, and a required application document (step S111).

Here, the processing in steps S108 and S109 will be described with reference to FIG. 6 using the screen and operation displayed on the camera-equipped mobile phone 18 as an example (see FIGS. 2 and 4 as appropriate). FIG. 6 is a diagram illustrating an example of processing in steps S108 and S109 illustrated in FIG.
Reference numerals 301 to 303 shown in FIG. 6 are examples of a screen displayed on the camera-equipped mobile phone 18. First, when the user ID “3333” and the password “klmno” are returned in step S103, the insurance application receiving apparatus 10 searches the contract DB (20) (step S107), and the insurance item is “automobile”. Confirm that it is insurance, life insurance, and fire insurance. Then, the camera-equipped mobile phone 18 displays the question transmitted from the insurance claim application receiving apparatus 10. The screen is 301.
When 2 “illness” is selected by the camera-equipped mobile phone 18, a screen 302 is displayed so as to inquire about an item included in the contract information corresponding to the disease. Next, when 1 “hospitalization” is selected by the camera-equipped mobile phone 18, a screen 303 is displayed so as to ask questions about items included in the contract information corresponding to hospitalization. In this way, the insurance claim application acceptance device 10 presents a question, accepts an answer thereto, and determines whether or not an event that has occurred to the user is included in the contract information.

Next, moving to FIG. 5, the insurance claim application receiving apparatus 10 determines whether or not an image of evidence is necessary in the application document to be submitted (step S112).
If an evidence image is necessary (Yes in step S112), the process proceeds to step S113.
In the process A, the insurance claim application receiving apparatus 10 performs a process of specifying the shooting location while repeating the transmission and reception of questions and answers with the camera-equipped mobile phone 18, and the camera-equipped mobile phone 18 takes the picture. The acquired image is acquired (step S113). Then, the process proceeds to step S114. The detailed processing in step S113 will be described later with reference to FIGS.
If no evidence image is required (No in step S112), the process proceeds to step S114.

In step S114, the insurance claim application receiving apparatus 10 transmits information such as an application form in which the information already acquired in step S108 is described to the camera-equipped mobile phone 18. Then, the camera-equipped mobile phone 18 displays the received application form or the like on the display unit, and accepts an input for correction correction via the input unit (step S115). When the correction of the application form is completed and the confirmation button displayed on the display unit is clicked (approved by the user), the camera-equipped mobile phone 18 displays the information such as the approved application form. And transmitted to the insurance claim application receiving apparatus 10 (step S116).
The insurance claim application receiving apparatus 10 receives and receives an application form approved by the user (step S117). Then, the insurance claim application acceptance device 10 enters a standby state.

Note that transmission / reception between the insurance claim application receiving apparatus 10 and the camera-equipped mobile phone 18 in the processes of steps S101 to S117 may be performed using electronic mail.
Further, when the terminal 16 is used instead of the camera-equipped mobile phone 18, the process A in step S 113 takes a picture using a digital camera or the like, and transfers the taken picture to the terminal 16, so 10 may be transmitted.

  Next, details of the process A in step S113 shown in FIG. 5 will be described with reference to FIGS. 7 and 9 (see FIG. 3 as appropriate). 7 and 9 are diagrams showing an example of the flow of process A in step S113 shown in FIG.

The flow of processing A shown in FIG. 7 is an example in which the first B question to the lower nth question are executed using the instruction B type DB (21b), the shooting location is specified, and an image is acquired.
First, the instruction control unit 30 of the insurance claim application receiving apparatus 10 transmits the first question to the camera-equipped mobile phone 18 (step S120). Then, the camera-equipped mobile phone 18 returns the answer input through the input unit to the insurance claim application receiving apparatus 10 (step S121). Then, similarly to steps S120 and S121, the insurance claim application receiving apparatus 10 and the camera-equipped mobile phone 18 transmit and receive up to the n-th question and an answer thereto (steps S122 and S123).
Then, the instruction control unit 30 of the insurance claim application receiving apparatus 10 identifies the shooting location and transmits information related to the shooting location to the camera-equipped mobile phone 18 (step S124). The camera-equipped mobile phone 18 transmits the captured image to the insurance claim application receiving apparatus 10 (step S125). Then, the insurance claim application receiving apparatus 10 receives the photographed image (step S126) and ends the process A.

Here, the processing of steps S120 to S123 will be described using FIG. 8 as an example of the screen and operation displayed on the camera-equipped mobile phone 18 (see FIGS. 3 and 7 as appropriate). FIG. 8 is a diagram illustrating an example of processing in steps S120 to S123 illustrated in FIG.
Reference numerals 311 to 313 shown in FIG. 8 are examples of a screen displayed on the camera-equipped mobile phone 18. First, when an image to be attached to the application document is required, the insurance application receiving device 10 asks whether there is a plurality of target events, for example, “car accident” or “fire”. To do. Then, the camera-equipped mobile phone 18 displays the question transmitted from the insurance claim application receiving apparatus 10. The screen is 311. Note that if there is only one target event, the screen 311 may be a confirmation screen such as “start imaging instruction”.
Next, when 1 “car accident” is selected by the camera-equipped mobile phone 18, the first question is displayed as shown in the screen 312 with reference to the instruction B-type DB (21b) (step S120). Next, when “1 rear-end collision” is selected by the camera-equipped mobile phone 18 (step S121), the question 2 is displayed as a screen 313. In this way, the insurance claim application receiving apparatus 10 sequentially presents the questions, receives the answers to the questions (steps S122 and S123), specifies the shooting location of the image, and specifies the specified location (shooting specified location). Is transmitted (step S124).

The flow of the process A shown in FIG. 9 includes, for example, keywords from the answer obtained for the question “why” in the instruction A type DB (21a) shown in FIG. Extraction is performed, and the shooting location is narrowed down with the question including the extracted keyword as the first question.
First, the instruction control unit 30 of the insurance claim application receiving apparatus 10 transmits screen information that prompts the user to input an arbitrary report describing the situation of the accident to the camera-equipped mobile phone 18 (step S130). The camera-equipped mobile phone 18 accepts an arbitrary declaration text input via the input unit, and returns it to the insurance claim application acceptance apparatus 10 (step S131).
The instruction control unit 30 of the insurance claim application receiving apparatus 10 extracts keywords from the received arbitrary declaration text (step S132). This keyword extraction can be performed using a known syntax / semantic analysis technique.

Next, the instruction control unit 30 of the insurance claim application receiving apparatus 10 transmits the m-th question including the extracted keyword to the camera-equipped mobile phone 18 (step S133). Then, the camera-equipped mobile phone 18 replies with an answer thereto (step S134). As in steps S133 and S134, the insurance claim application acceptance apparatus 10 and the camera-equipped mobile phone 18 transmit and receive questions and answers up to the nth question (where m ≦ n) (steps S135 and S136). ).
Then, the instruction control unit 30 of the insurance claim application receiving apparatus 10 identifies the shooting location, and transmits information related to the shooting location (shooting specification location) to the mobile phone with camera 18 (step S137). The camera-equipped mobile phone 18 transmits the captured image to the insurance claim application receiving apparatus 10 (step S138). Then, the insurance claim application receiving apparatus 10 receives the photographed image (step S139) and ends the process A.

In the case of a car accident, the insurance application application receiving device 10 refers to the map DB (22) using the position information acquired by the GPS function of the camera-equipped mobile phone 18, and road information (straight line, Information such as curves and speed limits). If questions that take these road information into account are prepared, it may be possible to quickly identify the shooting location.
For example, it is assumed that the declaration sentence received in step S132 includes the expression “•• during high-speed driving •••” and the keywords “high-speed” / “driving” are extracted. Then, since it is estimated from the keyword that “the entire vehicle is seriously damaged”, it is possible to instruct the “entire” shooting.

<< Second Embodiment >>
The configuration of an insurance claim application receiving system according to the second embodiment of the present invention will be described with reference to FIG. FIG. 10 is a diagram showing a configuration of an insurance claim application receiving system according to the second embodiment of the present invention. In addition, about the same structure as FIG. 1, the same code | symbol is attached | subjected and description is abbreviate | omitted.
FIG. 10 differs from FIG. 1 in that the main control unit 11a of the insurance claim application receiving apparatus 10a is newly provided with a camera control unit 31 as a function, the storage unit 14a is provided with a camera information DB (23), and a network. 15, the surveillance camera 32 and the insurance institution apparatus 19 are connected.
The second embodiment will be described below by taking the case of an automobile accident as an example.

The camera control unit 31 controls the monitoring camera 32. In addition, the camera control unit 31 can acquire information on the shooting direction (horizontal angle and vertical angle) of the monitoring camera 32. However, the camera control unit 31 is not provided as a single function, but the function is realized in the main control unit 11a by a program.
The monitoring camera 32 (photographing device) is installed on a roadside or intersection or the like of a road, and can take a traffic image (photograph or video). The monitoring camera 32 is controlled by the camera control unit 31 via the network 15 in shooting modes such as zoom, pan, and tilt. The monitoring camera 32 has a storage device (not shown) and has a function of storing captured images. Note that a broken-line circular area from the monitoring camera 32 indicates a shooting range. In FIG. 10, a broken-line circular area shows an example of an image in which a motorcycle and a vehicle collide at a T-junction intersection.
The insurance institution apparatus 19 is an apparatus used to receive an insurance application held by the insurance institution, and has a function of accepting an application (electronic application) using electronic data via at least the network 15.

The camera information DB (23) will be described with reference to FIG. FIG. 11 is a diagram illustrating an example of the camera information DB in the second embodiment.
The camera information DB (23) associates at least surveillance camera identification information (imaging device identification information), an installation position, and an imaging range (imaging range position information). And camera information DB (23) is comprised by the parameter (latitude longitude etc.) linked | related with the map information stored in map DB (22).

The monitoring camera identification information is information for identifying the monitoring camera 32, and is an arbitrary code, name, IP address, or the like.
The installation position is information that enables the position where the monitoring camera 32 is installed to be displayed on a map. In FIG. 11, the information on the installation position is displayed in latitude and longitude. However, when the map DB (22) uses the X-axis-Y-axis coordinates when displaying landmarks (buildings, etc.) on the map, the corresponding coordinates may be used.
The shooting range indicates a range that can be shot by the surveillance camera. In FIG. 11, the information on the shooting range is displayed in latitude and longitude. For example, the display of “east: Ea1” means that the latitude and longitude in the east direction are represented by Ea1. In addition, it is not restricted to FIG. 11, The imaging | photography range may express the difference from the installation position of a camera with the latitude longitude and distance. Further, the shooting range may be limited to a range in which shooting can be performed with sufficient resolution to be attached to the application form.

Next, the flow of processing executed in the insurance claim application receiving system 1a of the second embodiment will be described below (see FIG. 10 as appropriate).
The process flow in the second embodiment is substantially the same as the process flow in the first embodiment shown in FIGS. In particular, the place where the flow of processing in the second embodiment differs from the flow of processing in the first embodiment is processing relating to identification of the shooting location and image acquisition, that is, “processing A” in step S113 of FIG.
Therefore, the details of “Processing A” in the second embodiment will be described with reference to FIGS. 12 and 13. 12 and 13 are diagrams illustrating an example of the flow of the process A in step S113 illustrated in FIG. 5 according to the second embodiment.

The flow of process A shown in FIG. 12 is an example of acquiring an accident image captured by the monitoring camera 32 (imaging device) or an accident image stored in the monitoring camera 32.
First, the insurance claim application receiving apparatus 10a instructs the camera-equipped mobile phone 18 to transmit position information (step S200). Then, the camera-equipped mobile phone 18 returns the position information acquired using the GPS function to the insurance claim application receiving apparatus 10a (step S201).
Next, the insurance application application receiving device 10a refers to the camera information DB (23) using the received position information and identifies the monitoring camera 32 that is photographing the accident site (step S202). Then, the insurance claim application receiving apparatus 10a acquires an accident image from the identified monitoring camera 32 (step S203), and ends the process A.
Then, after receiving the application for insurance money 10a in step S117 in FIG. 5, the accident image acquired in step S203 is transmitted to the insurance institution apparatus 19 together with the application document.
The identification of the monitoring camera 32 in step S202 is to determine whether or not the position information acquired from the camera-equipped mobile phone 18 is included in the shooting range (shooting range position information) of the camera information DB (23). Is done by. That is, “included” means that the position information acquired from the camera-equipped mobile phone 18 exists in the range indicated by the shooting range position information.

Next, part of the flow of process A shown in FIG. 13 is different from the process shown in FIG. 12. The image acquired from the monitoring camera 32 is analyzed, the image of the accident vehicle is specified, and the shooting location is narrowed down. This is an example.
First, the processing in steps S200 to S203 is the same as the processing shown in FIG.
Next, the insurance claim application receiving apparatus 10a identifies the accident vehicle by using a known image analysis technique for the image acquired in step S203 (step S210). Then, the insurance claim application receiving apparatus 10a transmits to the camera-equipped mobile phone 18 a photographing instruction for a portion that cannot be photographed by the monitoring camera 32 (step S211). The camera-equipped mobile phone 18 transmits the captured image to the insurance claim application receiving apparatus 10a (step S212). Then, the insurance claim application receiving apparatus 10a receives the photographed image (step S213) and ends the process A.
Then, after receiving the application for insurance money etc. in step S117 of FIG. 5, the accident image acquired in step S213 is transmitted to the insurance institution apparatus 19 together with the application document.
In step S211, the insurance claim application receiving apparatus 10a adds an arrow indicating the shooting direction or a standing position when shooting, etc. to the image of the accident vehicle identified in step S210, where the surveillance camera 32 cannot take a picture. As the information, the information related to the photographing location may be transmitted to the camera-equipped mobile phone 18.

Note that the processing flow shown in FIGS. 12 and 13 in the second embodiment may be used in combination with the processing flow shown in FIGS. 7 and 9 in the first embodiment. That is, it is possible for an insurance organization to acquire not only an image taken by a person but also an objective image.
In the second embodiment, the case where the camera-equipped mobile phone 18 is used has been described as an example. However, it is also possible to take a picture using a digital camera capable of taking an image having a higher resolution than the camera of the camera-equipped mobile phone 18 and transmit the taken image to the insurance claim application receiving apparatus 10a via the terminal 16.

The insurance claim application receiving apparatus 10 stores a program for executing the processing shown in FIGS. 4, 5, 7, and 9 in the storage unit 14. Then, the program causes the insurance application application receiving device 10 to function.
Similarly, the insurance claim application receiving apparatus 10a stores a program for executing the processes shown in FIGS. 4, 5, 12, and 13 in the storage unit 14a. Further, the insurance claim application receiving apparatus 10a stores a program for executing the processes shown in FIGS. 7 and 9 in the storage unit 14a. Then, the program causes the insurance claim application receiving apparatus 10a to function.

According to the first embodiment and the second embodiment described above, questions are asked according to the insurance items and contract information that the user has subscribed to. For example, when a car accident occurs, It is possible to give instructions such as which part of the car must be photographed. Therefore, it becomes possible to prepare necessary documents without passing through the operator.
In addition, since the insurance claim application receiving apparatus 10 (10a) notifies in detail the documents necessary for the claim application, it becomes possible for the user to easily know which documents should be prepared. Convenience is improved for.
In addition, it is possible to reliably prepare images necessary for an application for an accident or the like.

It is a figure which shows the structure of the insurance claim application reception system which concerns on 1st Embodiment of this invention. It is a figure which shows an example of contract DB. It is a figure which shows an example of instruction | indication DB. It is a figure which shows the flow of the application reception process performed in the insurance claim application reception system of 1st Embodiment. It is a figure which shows the flow of the application reception process performed in the insurance claim application reception system of 1st Embodiment. It is a figure which shows an example of a process of step S108 and S109 shown in FIG. It is a figure which shows an example of the flow of the process A of step S113 shown in FIG. It is a figure which shows an example of the process of step S120-S123 shown in FIG. It is a figure which shows an example of the flow of the process A of step S113 shown in FIG. It is a figure which shows the structure of the insurance claim application reception system which concerns on 2nd Embodiment of this invention. It is a figure which shows an example of camera information DB in 2nd Embodiment. It is a figure which shows an example of the flow of the process A of step S113 shown in FIG. 5 in 2nd Embodiment. It is a figure which shows an example of the flow of the process A of step S113 shown in FIG. 5 in 2nd Embodiment.

Explanation of symbols

1, 1a Insurance claims application acceptance system 10, 10a Insurance claims application acceptance device 11, 11a Main control unit 12 Input / output unit 13 Communication control unit 14, 14a Storage unit 15 Network 16 Terminal 17 Base station 18 Mobile phone with camera ( (With GPS function)
19 Insurance organization equipment 20 Contract DB
21, 21a, 21b Instruction DB
22 Map DB
23 Camera information DB
30 Instruction control unit 31 Camera control unit 32 Surveillance camera

Claims (6)

Connected to a terminal operated by the user via a network,
A control unit that controls arithmetic processing and control;
A storage unit for storing the insurance contract information and user identification information associated with the user;
With
The controller is
When the user identification information is received from the terminal, the contract information associated with the user identification information is acquired with reference to the storage unit, and a question related to the acquired acquisition contract information is presented to the terminal, Receiving an answer to it, determining whether the received answer is included in the acquisition contract information, and notifying the terminal of determination information based on the determination;
An application for accepting claims, etc. The storage unit further stores the contract information and application documents in association with each other,
The controller is
In the determination, an application corresponding to the acquired contract information including the received answer with reference to the storage unit when the received answer is a determination result that is included in the acquired contract information. Identifying the document and notifying the terminal of information on the identified application document;
The insurance claim application receiving device according to claim 1, wherein: If you need an image to be attached to the information in the notification application document,
The storage unit stores, for each contract information, question information configured by associating a next question that narrows the range of the shooting location of the image according to an answer to the question,
The controller is
Referencing the question information, sequentially presenting questions to the terminal, receiving an answer thereto, specifying a shooting location of the image, and notifying the terminal of the specified shooting location of the specified image ,
The insurance claim application receiving device according to claim 2. It is connected to an imaging device installed outdoors and an insurance institution device used by an insurance institution to receive an insurance application, through a network.
The storage unit associates and stores shooting device identification information for identifying the shooting device and shooting range position information indicating the position of the shooting range of the shooting device,
If you need an image to be attached to the information in the notification application document,
The controller is
When receiving position information from the terminal, the storage unit is referred to determine whether the position information is included in the shooting range position information, and the notification from the shooting apparatus determined to be included Obtaining an image to be attached to the information of the applied application document and transmitting it to the insurance institution device;
The claim application receiving apparatus according to claim 2 or claim 3, characterized in that. An insurance claim application receiving apparatus method that is connected to a terminal operated by a user via a network and is used in an insurance claim application receiving apparatus including a control unit and a storage unit,
The storage unit stores the contract information of the insurance that the user has subscribed to and user identification information in association with each other, stores the contract information and application documents in association with each other, and responds to an answer to the question for each contract information. Storing the question information formed by associating the next question that narrows the range of the shooting location of the image,
The controller is
When the user identification information is received from the terminal, the contract information associated with the user identification information is acquired with reference to the storage unit, and a question related to the acquired acquisition contract information is presented to the terminal, It accepts an answer to it, judges whether or not the accepted answer is included in the acquisition contract information, notifies the terminal of judgment information based on the judgment, and the accepted answer is the acquisition contract information When the application document corresponding to the acquisition contract information including the received answer is identified with reference to the storage unit, information on the identified application document is stored in the terminal. In addition, if an image to be attached to the specified application document is necessary, refer to the question information, sequentially present the question to the terminal, and accept an answer to it, Identify shooting location of the serial image, notifies the imaging specific portions of the identified said image to the terminal that,
Insurance claim application acceptance method characterized by   A program for causing the insurance claim application receiving apparatus according to any one of claims 1 to 4 to function.

Images