JP2014085895A - Life cycle maintenance cost reduction system of house - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a life cycle maintenance cost reduction system enabling a client or the like to easily comprehend the life cycle maintenance cost of a house from a house price and a cost required for the life cycle of the house and the condition of a house-related insurance.SOLUTION: A life cycle maintenance cost reduction system of a house, in which a user side information terminal, a construction management server and a host computer of an insurance agency are connected with one another via an internet network, includes means for displaying, on a user side information terminal: house-related information on the house stored in a construction management server and the life cycle of the house; and insurance-related information stored in the host computer of an insurance agency.

Description

  The present invention relates to a life cycle maintenance cost reduction system for a house.

The seller of newly constructed houses is assumed to be liable for 10 years of defect warranty for defects in the main structural parts of newly constructed houses based on the law concerning promotion of ensuring quality of houses.
In addition, due to the issue of disguise of the structural calculations of houses, etc., the legal system that requires sellers to be fully liable for defects is also in progress. Sellers are obliged to secure the necessary resources to fulfill liability for defects.
Although the protection of the main structural parts of newly built houses is being promoted as described above, the owners of newly built houses are required to perform certain maintenance work to preserve the functions of the newly built houses.
In fact, when a long time has passed since the construction of a new house, there is a problem that the wood used in the house is eroded by white ants or the wood is corroded.
In particular, with respect to ants for protecting wood used in houses from erosion caused by white ants, a construction cycle every five years is required to maintain the effectiveness of the ants.
However, it is up to the owner to decide whether or not to actually carry out the ant protection construction cycle every five years, so the construction rate where ant protection is actually performed every five years for new houses is around 20%. There is a current situation.
In addition, it is usually not allowed to take out liability insurance to get repairs after the damage caused by white ants.
For this reason, if information on the occurrence of damage caused by white ants is obtained first, there is a possibility that the number of potential owners who think that they were initially insured against damage insurance is large.

New homes usually have a 5-year warranty on ant and antiseptic work.
However, there are many cases where the warranty is usually reconstructed free of charge, and additional costs may be incurred to deal with the damage caused by white ants.
Even if damage insurance is set up for damage repair work due to white ant erosion damage, the damage insurance is a contract between an ant proofing contractor and an insurance company. If the business cannot be continued, both the free construction guarantee for the owner and damage insurance may be invalidated.

In addition, there may be changes in the family structure and living environment of the owners who purchased the new housing. For example, life patterns may change from the time of purchase of a new house due to additional factors such as the growth of children.
There may be a case where the expenditure required for the maintenance of the house must be reduced because the expenditure for the education of the child is emphasized rather than the expenditure required for the maintenance of the house.
In addition, even if you actually spend expenses for housing maintenance, priority is given to spending money on repairing the appearance of visible roofs, outer walls, etc. It is also possible that the necessary expenses will not be reached.

  It is also a well-known fact that large-scale solicitation damage has actually occurred by vicious remodeling companies in anticipation that the owners may not be familiar with information on ant protection, antiseptic work, etc.

On the other hand, as an insurance contract system, a time setting type prepaid insurance contract system configured by a network by a user side information terminal, a contract management server, and a host computer of an insurance underwriting company has been proposed (Patent Document 1).
According to this time-setting type prepaid insurance contract system, it is said that it is possible to easily establish an insurance contract in units of hours instantly from anytime and anywhere with the desired amount of security in various situations where necessary. The
However, in this time setting type prepaid insurance contract system, there is a problem that it is difficult for consumers considering insurance to determine whether or not to take out insurance from the system alone.

JP 2004-220454 A

  The purpose of the present invention is that the owner, etc., can easily grasp the life cycle maintenance cost of the house from the price of the house, the cost required for the life cycle of the house, and the conditions of the housing-related insurance. It is to provide a life cycle maintenance cost reduction system that can be used.

As a result of intensive studies by the inventor in order to solve the above problems, the user side information terminal, the construction management server, and the insurance underwriting company's host computer are mutually connected through the Internet network,
Housing-related information about the house and the life cycle of the house stored in the construction management server;
Insurance related information stored in a host computer of the insurance underwriting company;
It has been found that a life cycle maintenance cost reduction system for a house provided with means for displaying the information on the user side information terminal is suitable for the purpose of the present invention, and the present invention has been completed.

That is, the present invention
[1] The user side information terminal, the construction management server, and the insurance underwriting company's host computer are connected to each other through the Internet network.
Means for transmitting house related information about the house and the life cycle of the house stored in the construction management server to the user side information terminal;
Means for transmitting insurance related information stored in a host computer of the insurance underwriting company to the user side information terminal;
Means for displaying the housing related information and the insurance related information received by the user side information terminal on the user side information terminal;
Means for transmitting the insurance information selected from the user side information terminal to a host computer of the insurance underwriting company;
The life cycle maintenance cost reduction system of the house provided with is provided.

One of the present invention is
[2] A host computer of the insurance underwriting company comprises an insurance information database in which insurance information is stored,
In response to a request from the user side information terminal, insurance information is transmitted from the insurance underwriting company's host computer through the construction management server to the user side information terminal,
Selected insurance information selected by the user from the insurance information displayed on the user side information terminal is transmitted to the host computer of the insurance underwriting company through the construction management server,
The residential life cycle maintenance cost reduction system according to the above [1], wherein the examination result by the host computer of the insurance underwriting company based on the selected insurance information is transmitted to the user side information terminal through the construction management server. To do.

One of the present invention is
[3] A life cycle maintenance cost reduction system for a house using a prepaid voucher medium,
The construction management server comprises a prepaid voucher medium database storing voucher medium attribute information for each prepaid voucher medium and a history database storing historical information for each user;
The housing life cycle maintenance cost reduction system according to the above [1] or [2], comprising means for updating the form medium attribute information of the prepaid form medium database based on the insurance contract information.

One of the present invention is
[4] When the construction management server updates the form medium attribute information in the prepaid form medium database based on the insurance contract information, the form medium attribute information stored in the prepaid form medium is the construction management server. The life cycle maintenance cost reduction system for a house according to any one of [1] to [3], which is updated in real time to the same information as the updated voucher medium attribute information stored in is there.

According to the housing life cycle maintenance cost reduction system of the present invention, the housing related information about the housing and the life cycle of the house stored in the construction management server, and the insurance related information stored in the host computer of the insurance underwriting company. From the above, it is possible to display the total cost data including the life cycle maintenance of the house on the user side information terminal.
As a result, the user such as the owner can easily grasp the life cycle maintenance cost of the house from the house price, the cost required for the house life cycle, and the conditions of the housing related insurance.
Further, according to the housing life cycle maintenance cost reduction system of the present invention, from the user side information terminal, housing purchase such as housing purchase, maintenance contract according to the housing life cycle, liability insurance, short-term group credit life insurance, etc. Since insurance can be taken in, it is possible to perform information processing in a short time without requiring complicated procedures.
Moreover, according to the life cycle maintenance cost reduction system of the present invention, since a prepaid certificate medium can be used, it is possible to pay a lump sum when constructing a house. In this case, since the cost required for the life cycle of the house can be paid when purchasing the house, it is possible to save the trouble of generating the maintenance cost at a later date.
Furthermore, it is possible to alleviate the problem of being unable to receive a guarantee due to forgetting to take out housing related insurance.

FIG. 1 is a block diagram for explaining a configuration of a residential life cycle maintenance cost reduction system according to a first embodiment of the present invention. FIG. 2 is a principal block diagram for explaining the configuration of the user side information terminal 20. FIG. 3 is a principal block diagram for explaining the configuration of the construction management server 30. FIG. 4 is a principal block diagram for explaining the configuration of the host computer 40 of the insurance underwriting company. FIG. 5 is a flowchart for explaining the information processing procedure of the life cycle maintenance cost reduction system according to the first embodiment. FIG. 6 is a schematic diagram for explaining a login information screen displayed on the information display device of the user side information terminal. FIG. 7 is a flowchart for explaining the information processing procedure of the life cycle maintenance cost reduction system according to the first embodiment. FIG. 8 is a flowchart for explaining the information processing procedure of the life cycle maintenance cost reduction system according to the first embodiment.

  Hereinafter, the present invention will be described in detail with reference to the drawings. In addition, this invention is not limited at all by the following Example.

FIG. 1 is a block diagram for explaining a configuration of a residential life cycle maintenance cost reduction system according to a first embodiment of the present invention.
As illustrated in FIG. 1, a user-side information terminal 20 composed of a personal computer, a tablet-type information terminal, a mobile phone, and the like through a wired or wireless Internet network 10, and a construction having an information transmission / reception function and a server function The management server 30 and the insurance underwriting company's host computer 40 are connected so that they can communicate with each other.

FIG. 2 is a principal block diagram for explaining the configuration of the user side information terminal 20.
The user-side information terminal 20 includes transmission / reception means, input / output means, storage means, calculation means, control means, and the like.
The user-side information terminal 20 has a CPU (Central Processing Unit), and a program stored in a storage area such as a ROM (Read Only Memory) or a RAM (Random Access Memory) as the storage means, Predetermined information processing and arithmetic processing can be performed.
The user side information terminal 20 is equipped with a transmission / reception device 21, and the transmission / reception device 21 communicates with the construction management server 30 and the host computer 40 of the insurance underwriting company through the Internet network 10. Can do.
The user-side information terminal 20 is equipped with an information display device 23 such as a liquid crystal display panel, and a user operating the user-side information terminal 20 from the information display device 23 by a so-called touch panel method. Various information can be input to the user-side information terminal 20. It is also possible to display information transmitted from the construction management server 30, the insurance underwriting company's host computer 40, or the like.

In the residential life cycle maintenance cost reduction system according to the first embodiment of the present invention, the prepaid voucher medium 50 can be used.
The prepaid voucher medium 50 includes input / output means, storage means, calculation means, control means, and the like.
Further, the prepaid voucher medium 50 has a CPU (Central Processing Unit), and a program stored in a storage area such as a ROM or a RAM as the storage means causes a storage area such as a RAM as the storage means to be stored. The voucher medium attribute information such as the balance of the stored prepaid voucher medium 50 can be updated.
The prepaid voucher medium 50 can be connected to the input / output device 22 mounted on the user side information terminal 20 through the input / output device 52.
Predetermined information processing and calculation processing can be performed between the prepaid voucher medium 50 and the user-side information terminal 20.

The prepaid voucher medium 50 used in the present invention stores a plurality of pieces of price information set in accordance with amounts appropriated for purchase of a house, maintenance cost of the house, insurance premium, etc., and is issued and sold in advance. It is.
The prepaid voucher medium 50 includes a digital small electronic information storage medium such as a DVD-ROM, a memory stick, a memory cartridge, or a memory card.
The prepaid voucher medium 50 is equipped with a memory as a storage means, and the prepaid voucher medium identification information, voucher type, sales price, issuance that can uniquely identify the prepaid voucher medium 50 that is sold and distributed in the memory Voucher medium attribute information such as date, usage history, unused balance, sales manager, etc. is stored.
The prepaid voucher medium 50 can be connected to the user side information terminal 20 and can transmit and receive information to and from the user side information terminal 20.
In addition to the prepaid voucher medium 50, a password for using the prepaid voucher medium 50 is issued when the prepaid voucher medium 50 is issued.
The prepaid voucher medium 50 is usable when the prepaid voucher medium 50 is connected to the user side information terminal 20 and a password corresponding to the prepaid voucher medium 50 is input to the user side information terminal 20.

FIG. 3 is a principal block diagram for explaining the configuration of the construction management server 30.
The construction management server 30 includes transmission / reception means, input / output means, storage means, calculation means, control means, and the like, as in the case of the previous user-side information terminal 20.
Further, the construction management server 30 has a CPU (Central Processing Unit), and performs predetermined information processing and arithmetic processing by a program stored in a storage area such as a ROM or RAM as the storage means. This is the same as in the case of the previous user side information terminal 20.
The construction management server 30 includes a housing-related information database 31 that stores housing-related information such as maintenance information including the type of house, price, and ant-proof construction information for maintaining the function of the house. A user information database 32 that stores user information such as name, address, work place, and contact information is provided.
A transmission / reception device 33, a printer device 34, and the like are appropriately provided.
The construction management server 30 sends the housing-related information and user information from the housing-related information database 31 and the user information database 32 in response to a call request, respectively, to the user-side information terminal 20 and the insurance underwriting company's host computer. 40 can be transmitted.

The construction management server 30 can be provided with a prepaid voucher medium database 35 storing voucher medium attribute information for each prepaid voucher medium and a history database 36 storing historical information for each user.
The prepaid voucher medium database 35 includes prepaid voucher medium identification information, voucher type, sales price, issue date, usage history, unused balance, sales manager who can uniquely identify the prepaid voucher medium 50 sold and distributed. The voucher medium attribute information such as can be stored and updated.
The history database 36 stores and updates history information for each user, such as a user application history, housing information such as the type, size, and floor plan of a purchased house, and maintenance history such as ant-proofing construction for the house. be able to.

FIG. 4 is a principal block diagram for explaining the configuration of the host computer 40 of the insurance underwriting company.
The host computer 40 of the insurance underwriting company has transmission / reception means, input / output means, storage means, calculation means, control means, and the like, as in the case of the previous user side information terminal 20 and the construction management server 30.

The insurance underwriting company's host computer 40 also has a CPU (Central Processing Unit), and performs predetermined information processing and calculation processing by a program stored in a storage area such as ROM or RAM as the storage means. It can be carried out.
The insurance underwriting company's host computer 40 includes an insurance information database 41 in which insurance information is stored, and a user subscription insurance information database 42 in which user subscription insurance information relating to the insurance that the user subscribes to is stored.

In response to the call request, the insurance underwriting company host computer 40 obtains the insurance information and the user insurance information from the insurance information database 41 and the user insurance information database 42, respectively, the user side information terminal 20, and the construction. It can be transmitted to the management server 30.
The insurance information database 41 stores insurance information in which types of housing acquisition history, damage insurance related to home maintenance, short-term group credit life insurance, and the like are classified.

  The user subscription insurance information database 42 includes a user's insurance subscription application history, a user identification number that uniquely identifies the user, a user's name or name, an underwriting insurance name, insurance premium, insurance money, insurance payment rate, etc. Insurance insurance information is stored.

  Next, an information processing procedure of the residential life cycle maintenance cost reduction system according to the first embodiment of the present invention will be described with reference to a flowchart.

5, 7 and 8 are flowcharts for explaining the information processing procedure of the life cycle maintenance cost reduction system according to the first embodiment.
First, a user such as an owner of a house who uses the house life cycle maintenance cost reduction system according to the first embodiment performs user registration.

  A user such as a home owner purchases the prepaid voucher medium 50 in advance from a sales agent or the like. When the user makes a connection request to the construction management server 30 through the Internet line by the user side information terminal 20 (STEP 1), login information is transmitted from the construction management server 30 (STEP 2), and the login information shown in FIG. A screen is displayed on the information display device 23 of the user side information terminal 20.

When the “toward first login” field is selected from the login information screen, notes, disclaimers, etc. are displayed on the information display device 23 of the user side information terminal 20. A personal information input screen is displayed by pressing a button on the display that agrees to the precautions and disclaimers.
From the personal information input screen, user information such as name, address, work place, contact information, etc. of the owner is input, and this user information is transmitted to the construction management server 30 (STEP 3).

  The construction management server 30 that has received the user information from the user-side information terminal 20 provides the user-side information terminal 20 with housing information such as the type, size, and floor plan of the house, and maintenance information such as ant-proof construction for the house. Transmit (STEP 4).

The housing information and the maintenance information are displayed on the user-side information terminal 20 that has received the housing information and the maintenance information.
Based on the housing information and the maintenance information displayed on the user-side information terminal 20, a user such as a client can grasp a housing acquisition cost and a housing maintenance cost.

  The housing information and the maintenance information can be specifically specified by selecting information desired by the client from the floor plan and type of the house. The identified housing information and maintenance information are transmitted to the insurance underwriting company's host computer 40 through the construction management server 30 (STEP 5).

  Insurance information such as damage insurance, short-term group credit life insurance, etc. corresponding to the identified housing information and maintenance information, insurance premiums, insurance money, etc. is received from the insurance underwriting company's host computer 40 in the construction management. It is transmitted to the server 30 (STEP 6), transmitted to the user side information terminal 20 through the construction management server 30 (STEP 7), and the insurance information is displayed on the display screen of the user side information terminal 20.

  As is clear from these schemes, the owner, etc., uses the information terminal 20 on the user side to carry out maintenance such as ant proofing construction on the house, and insurance such as liability insurance, short-term group credit life insurance, etc. It is possible to easily compare the total cost with and without the subscription.

  Next, the client or the like transmits the insurance information specified from the insurance information displayed on the user side information terminal 20 to the construction management server 30 (STEP 8). The insurance information is transmitted from the construction management server 30 to the host computer 40 of the insurance underwriting company (STEP 9).

  In response to an application from a user such as the owner, the insurance underwriting company examines the contents of the application from the owner or the like.

  The host computer 40 of the insurance underwriting company examines whether the user can join the desired insurance based on the received housing information including the user information, insurance information, etc. (STEP 10).

  As a result of the examination, if the examination fails, information on the examination failure is transmitted from the insurance underwriting company's host computer 40 to the user side information terminal 20 through the construction management server 30 and sent to the user side information terminal 20. The received examination failure information is displayed on the screen of the user side information terminal 20 (STEP 11).

  As a result of the examination, when the examination is passed, contract information is transmitted from the host computer 40 of the insurance underwriting company to the construction management server 30 together with the total expenses such as housing expenses, housing maintenance expenses, insurance premiums, etc. (STEP 12) It is transmitted to the user side information terminal 20 through the construction management server 30 and displayed on the screen of the user side information terminal 20 (STEP 13).

Subsequently, the client or the like prepares a prepaid voucher medium 50 on hand.
In the user-side information terminal 20, a fee payment screen appears first, and it is required to confirm prior approval information such as terms of service, insurance policy, and disclaimer.
After the owner browses the prior approval information, the user information and the password obtained along with the purchase of the prepaid voucher medium 50 are input according to the display screen, and the remittance information is transmitted to the construction management server 30 (STEP 14).

  If the total cost such as housing cost, housing maintenance cost, insurance premium, etc. specified by the remittance information received by the construction management server 30 exceeds the balance recorded in the prepaid voucher medium 50, the enforcement Information on the shortage of balance is transmitted from the management server 30 to the user side information terminal 20 (STEP 15).

When the total cost is within the range of the balance recorded on the prepaid voucher medium 50, the balance recorded on the prepaid voucher medium 50 is a value after the total cost is subtracted from the balance. It is updated (STEP 16).
With these series of operations, the contents of the prepaid voucher database 35 mounted on the construction management server 30 are updated.
Further, the contents of the user subscription insurance information database 42 for managing the certificate medium attribute information of the construction management server 30 and the host computer 40 of the insurance underwriting company, history information for each user, etc. are updated (STEP 18).
The insurance underwriting company can mail the insurance card specified by this scheme offline to the owner or the like in response to the update of each information in the host computer 40 of the insurance underwriting company.

  According to the present invention, a user such as a client can directly make a contract for housing-related insurance with the insurance underwriting company. In the conventional insurance system, an insurance contract is concluded between the contractor and the insurance underwriting company, so when the contractor goes out of business, the owner may not be able to receive insurance guarantee. The occurrence of various situations can be prevented.

In addition, since contractors collect housing maintenance costs for new housing contracts, it is possible to carry out maintenance work such as ants for a long period of time with responsibility, and users such as owners inadvertently perform ant protection It is possible to prevent the occurrence of damage due to forgetting.
In addition, since owners can easily grasp not only housing acquisition costs but also housing maintenance costs including insurance guarantees at the stage of acquiring housing, it is possible to reduce housing life cycle maintenance costs. Become.

  As described above, since complicated procedures with users such as owners, contractors, and insurance underwriting companies, which have been difficult to integrate in the past, can be easily performed, application to the housing-related industry is possible.

DESCRIPTION OF SYMBOLS 10 Internet line network 20 User side information terminal 21 Transmission / reception device 22, 52 Input / output device 23 Information display device 30 Construction management server 31 Housing related information database 32 User information database 35 Prepaid voucher media database 36 History database 40 Insurance underwriting company host Computer 41 Insurance information database 42 User subscription insurance information database 50 Prepaid certificate media

Claims (4)

The user side information terminal, the construction management server, and the insurance underwriting company's host computer are connected to each other through the Internet network.
Means for transmitting house related information about the house and the life cycle of the house stored in the construction management server to the user side information terminal;
Means for transmitting insurance related information stored in a host computer of the insurance underwriting company to the user side information terminal;
Means for displaying the housing related information and the insurance related information received by the user side information terminal on the user side information terminal;
Means for transmitting the insurance information selected from the user side information terminal to a host computer of the insurance underwriting company;
Life cycle maintenance cost reduction system with housing. The insurance underwriting company host computer comprises an insurance information database storing insurance information;
In response to a request from the user side information terminal, insurance information is transmitted from the insurance underwriting company's host computer through the construction management server to the user side information terminal,
Selected insurance information selected by the user from the insurance information displayed on the user side information terminal is transmitted to the host computer of the insurance underwriting company through the construction management server,
The residential life cycle maintenance cost reduction system according to claim 1, wherein an examination result by a host computer of the insurance underwriting company based on the selected insurance information is transmitted to the user side information terminal through the construction management server. A life cycle maintenance cost reduction system for a house that uses a prepaid voucher medium,
The construction management server comprises a prepaid voucher medium database storing voucher medium attribute information for each prepaid voucher medium and a history database storing historical information for each user;
The life cycle maintenance cost reduction system for a house according to claim 1 or 2, further comprising means for updating the voucher medium attribute information in the prepaid voucher medium database based on the insurance contract information.   When the construction management server updates the form medium attribute information in the prepaid form medium database based on the insurance contract information, the form medium attribute information stored in the prepaid form medium is stored in the construction management server. Moreover, the life cycle maintenance cost reduction system of the house in any one of Claims 1-3 updated in real time to the same information as the updated said voucher medium attribute information.

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