JP2015026237A - Insurance invitation support device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To support achievement of insurance invitation business following rules which are going to be introduced in the future.SOLUTION: A correspondence storage part 32 stores correspondence between compensation content described in questions for confirmation of intent to a client and guarantee items of insurance. An intent information acquisition part 42 acquires intent information indicating compensation content desired by a client, which is reply of the client to the question before insurance products are represented to the client. A transaction plan information acquisition part 54 acquires information of an insurance product which the client is going to transact. A warranty item comparison part 56 compares combination of warranty items corresponding to the compensation content indicated by the intent information, and combination of warranty items of the insurance product to be transacted, and when they are inconsistent, a transaction confirmation screen output part 58 makes a message of inconsistent be displayed on a screen of a window terminal 10.

Description

  The present invention relates to a data processing technique, and more particularly to a technique for supporting insurance solicitation.

  With the background of changes in social conditions such as the rapid aging of the declining birthrate and the aging population, what people ask for insurance is diversifying. In addition, insurance sales forms are diversified, including large agents such as so-called insurance shops and non-face-to-face sales via the Internet. Against this backdrop, the Financial Services Agency has established a “Working Group on how to provide insurance products and services”. In this working group, the provision of insurance products and services to meet the diverse needs of policyholders, the examination of the scope of business of insurance companies, etc., and the provision of necessary information in a concise and easy-to-understand manner. Considerations were made with regard to the insurance solicitation and sales, etc., taking into consideration the overall picture of regulations. And the report regarding these examination is submitted (for example, refer nonpatent literature 1 and nonpatent literature 2).

Financial Services Agency, “New Insurance Products / Services and Offering Rules”, [online], [Search July 13, 2013], Internet <URL: http://www.fsa.go.jp/news/ 24 / singi / 20130611-2 / 01.pdf> Financial Services Agency, “Outline of“ New Insurance Products / Services and Offering Rules ””, [online], [Search July 13, 2013], Internet <URL: http: //www.fsa.go. jp / news / 24 / singi / 20130611-2 / 02.pdf>

  The above report recommends the introduction of obligations to grasp intentions as the creation of basic rules for insurance solicitation. It also recommends the introduction of information provision obligations in order to optimize product comparison and recommendation as a review of regulations related to passenger agencies. An object of the present invention is to provide a system that effectively supports the realization of insurance solicitation work in accordance with rules expected to be introduced in the future by ICT.

  In order to solve the above problems, an insurance solicitation support apparatus according to an aspect of the present invention includes a correspondence relationship holding unit that stores a correspondence relationship between a compensation content described in a question for confirming intention to a customer and a security collateral item. And before the insurance product is presented to the customer, the customer intends to contract with an intention information acquisition unit that accepts input of intention information, which is the customer's answer to the question and indicates the compensation content desired by the customer If there is a discrepancy between the contract information acquisition unit that accepts the input of insurance product information and the combination of collateral items corresponding to the compensation content indicated by the intention information and the combination of collateral items by the insurance products scheduled to be contracted And a comparison result output unit for displaying on the screen.

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

  According to the present invention, it is possible to support the realization of insurance solicitation work in accordance with rules expected to be introduced in the future.

It is a figure which shows the structure of the insurance solicitation support system of an embodiment. It is a block diagram which shows the function structure of the insurance recruitment assistance apparatus of FIG. It is a figure which shows the information stored in a collateral information holding part. It is a figure which shows the information stored in a collateral information holding part. It is a figure which shows an intention confirmation screen. It is a figure which shows the information stored in a correspondence holding | maintenance part. It is a figure which shows the customer intention information stored in a selection history holding part. It is a figure which shows a merchandise information screen. It is a figure which shows the contract schedule information stored in a selection process holding | maintenance part.

  As mentioned above, the working group's recommendations regarding the provision of insurance products and services include the following two points.

(Point 1) Introduction of obligation to grasp intentions:
Before explaining the individual plan for the customer, including the insurance amount and premium, understand the intention of the customer. Then, an individual plan based on the intention is proposed, and the product is explained including how it corresponds to the intention. After that, confirm the customer's final intention before the conclusion of the contract, compare the customer's intention and the final intention, which were grasped before proposing / explaining the individual plan. , Confirm the difference.

(Point 2) Introduction of information provision obligations at riding agencies:
For a joint agency that performs product comparison / recommendation sales among multiple insurance companies, from the viewpoint of optimizing the product comparison / recommendation, (1) the joint agency handles the duty as providing information Among the products, it is appropriate to clearly indicate the full range of products that can be compared, and (2) when presenting / recommending a specific product, it is appropriate to request that the reason for the recommendation be explained in an easy-to-understand manner. Among the products that meet the customer's needs from among the products handled by the customer, if the products are further narrowed down based on the judgment of the sharing agency, the criteria for narrowing down the products, etc. It is also necessary to explain about.

  In the present embodiment, an information processing system for supporting the realization of insurance solicitation work in accordance with the rules indicated by the above points 1 and 2 by ICT is proposed. The following is an example of supporting sales of automobile insurance at a joint agent's window, but it can also be applied to recruitment of other types of non-life insurance such as fire insurance and accident insurance, and solicitation of life insurance. Of course.

  FIG. 1 shows a configuration of an insurance solicitation support system 100 according to the embodiment. The insurance solicitation support system 100 includes a window terminal 10, an insurance solicitation support device 12, an insurance premium calculation device 14, and a relay / management device 16. Each of these apparatuses is connected by SSL communication via a network such as a LAN, a WAN, or the Internet.

  The store in FIG. 1 is an insurance sales company that recruits and sells a plurality of insurance products to customers who visit the store, and is a joint agency that handles a plurality of insurance products provided by a plurality of insurance companies. The window terminal 10 is an information processing terminal installed at a window for facing customers in a store visit, such as a PC or a tablet terminal. The insurance solicitation support apparatus 12 is an information processing apparatus that supports insurance solicitation work in accordance with the rules indicated by the above points 1 and 2, and is, for example, a web application server. Details of the function of the insurance solicitation support apparatus 12 will be described later.

  The insurance fee calculation device 14 is an information processing device that provides an external device with an ASP service for calculating an insurance fee of an insurance product (in the following example, car insurance) provided by a non-life insurance company, and is, for example, a web application server. The insurance fee calculation device 14 is installed in a plurality of non-life insurance companies, calculates insurance premiums according to the conditions specified in the store according to the premium calculation rate determined in advance by each company, and calculates the calculated insurance premiums. Notify the store visit.

  The relay / management apparatus 16 is an information processing apparatus installed in a data center of a system integrator (SIer). The relay / management device 16 transmits / receives data between the insurance solicitation support device 12 of a plurality of store visits (visit stores α and β) and the insurance fee calculation device 14 of a plurality of insurance companies (insurance companies A and B). Provides a proxy server function that relays In addition, the relay / management apparatus 16 has a billing information management function. When a trial calculation request from an insurance company is received from a certain window shop, the relay / management apparatus 16 accumulates a predetermined amount in the billing amount to the window shop of the request source each time.

  FIG. 2 is a block diagram showing a functional configuration of the insurance solicitation support apparatus 12 of FIG. The insurance solicitation support apparatus 12 includes a communication unit 20, a data processing unit 22, and a storage unit 24. The communication unit 20 communicates with an external device according to a predetermined communication protocol such as SOAP. The data processing unit 22 executes various types of information processing for supporting insurance solicitation, and exchanges electronic data with an external device via the communication unit 20. The storage unit 24 is a storage area for storing electronic data necessary for information processing by the data processing unit 22.

  The storage unit 24 includes a collateral information holding unit 30, a correspondence relationship holding unit 32, a selection history holding unit 34, a constraint information holding unit 36, and a feature information holding unit 38. The data processing unit 22 includes an intention confirmation screen output unit 40, an intention information acquisition unit 42, a constraint satisfaction determination unit 44, a determination result output unit 46, a trial calculation condition input screen output unit 47, and a product information acquisition unit 48. , A feature information acquisition unit 50, a product information output unit 52, a contract schedule information acquisition unit 54, a collateral item comparison unit 56, a contract confirmation screen output unit 58, and a selection history recording unit 60.

  Each block shown in the block diagram of the present specification can be realized in hardware by an element such as a computer CPU and memory, an electronic circuit, and a mechanical device, and in software by a computer program or the like. Here, the functional blocks realized by the cooperation are depicted. Therefore, those skilled in the art will understand that these functional blocks can be realized in various forms by a combination of hardware and software.

  For example, a program module corresponding to each functional block of the data processing unit 22 may be stored in the storage of the insurance solicitation support apparatus 12. And the function of each functional block of the data processing unit 22 may be realized by the CPU of the insurance solicitation support apparatus 12 reading and executing these program modules to the main memory as needed. The functional blocks of the storage unit 24 may be realized by storing data in a storage device such as a storage or a main memory. The SIer that manages the relay / management device 16 provides application programs for realizing the data processing unit 22 and the storage unit 24 to a plurality of store visits, and customizes each store visit appropriately so that each store visit A shop insurance solicitation support apparatus 12 may be constructed.

  The selection history holding unit 34 sequentially stores information indicating the history from the initial intention confirmation to the customer until the customer selects a specific insurance product in association with the attribute information about the customer. The customer attribute information is identification information (ID or the like) given to the customer by the store shop, but it goes without saying that other information such as the customer's address, gender, age, etc. may be included.

  The selection history recording unit 60 records, in the selection history holding unit 34, customer intention information indicating the compensation content desired by the customer before the insurance product is presented to the customer as information indicating the above-described background. Further, the contract schedule information indicating the compensation contents of the contract schedule immediately after the customer enters into the contract after the insurance product is presented to the customer is recorded in the selection history holding unit 34. The transition of the collateral item from the customer intention information to the contract schedule information is recorded in the selection history holding unit 34.

  The configurations of the selection history holding unit 34 and the selection history recording unit 60 will be supplemented in the description of other functional blocks. Although not shown in FIG. 2, a selection history output unit that receives customer identification information and transmits the customer product selection history information stored in the selection history holding unit 34 to the window terminal 10 for display. In other words, it is a matter of course that the insurance solicitation support apparatus 12 may further include a customer reception support unit.

  The collateral information holding unit 30 holds information on collateral items in automobile insurance, more specifically, information on collateral items compensated by at least one of a plurality of automobile insurance products provided by a plurality of insurance companies. 3A and 3B show information stored in the collateral information holding unit 30. FIG. The collateral record 70 indicates information items recorded in the selection history holding unit 34 described later.

  Returning to FIG. 2, the intention confirmation screen output unit 40 transmits to the window terminal 10 a web page (hereinafter referred to as “intention confirmation screen”) for confirming the intention of the customer who has visited the shop's window. Let The intention confirmation screen is a field for confirming the customer's intention at the beginning of the visit about the contents of compensation for automobile insurance before the store visitor presents the car insurance product to the customer, and a field for inputting the customer's answer to the question including.

  FIG. 4 shows an intention confirmation screen. The intention confirmation number column indicates an identification number of the intention confirmation item. The intention confirmation content column indicates a question regarding the content of compensation required by the customer for car insurance. Each question corresponds to each of a plurality of collateral items by car insurance, in other words, for specifying whether or not compensation is required or special provisions are specified. The intention confirmation result field is a field for inputting the customer's intention indicating whether the customer desires compensation (Yes) or not (No) for each of a plurality of compensation contents. Although not shown in FIG. 4, the insurance amount desired by the customer (including unlimited), the presence / absence of an exemption amount, and the like are also input on the intention confirmation screen.

  Returning to FIG. 2, the correspondence relationship holding unit 32 is held in the plurality of compensation contents described in the question on the intention confirmation screen, in other words, each of the plurality of confirmation items on the intention confirmation screen, and the collateral information holding unit 30. Maintain correspondence with collateral items for car insurance. FIG. 5 shows information stored in the correspondence holding unit 32. For example, the question of the intention confirmation number “1” on the intention confirmation screen is associated with the collateral item “vehicle insurance” of the collateral code “08”.

  Returning to FIG. 2, the intention information acquisition unit 42 acquires information indicating the result of the customer intention confirmation from the window terminal 10. For example, a plurality of questions on the intention confirmation screen and the answer result to each question are acquired. The selection history recording unit 60 stores the intention confirmation result acquired by the intention information acquisition unit 42 in the selection history holding unit 34. Specifically, the selection history recording unit 60 refers to the correspondence relationship held by the correspondence relationship holding unit 32, and responds to a question that answered that a compensation is necessary (Yes) among the questions on the intention confirmation screen. Identify the collateral item to be performed. The selection history recording unit 60 acquires the collateral record 70 relating to the specified collateral item from the collateral information holding unit 30, and selects the customer intention information in which the intention confirmation result is associated with the collateral record 70 together with the customer identification information. To store.

  FIG. 6 shows customer intention information stored in the selection history holding unit 34. In this example, since all the questions with the intention confirmation numbers 1 to 3 are “Yes” answers, the collateral record 70 is associated with each of them. Although not shown in FIG. 6, the intention information acquisition unit 42 also receives information such as the insurance amount desired by the customer (including unlimited) and the presence / absence of an exemption amount set as an answer to the question on the intention confirmation screen. 10, the selection history recording unit 60 records such information in the collateral record 70. The selection history recording unit 60 also stores the question whose intention confirmation result is No (in other words, a question for which an answer requiring no compensation has been made) in the selection history holding unit 34, but the collateral record 70 is associated with the question. Do not record.

  Returning to FIG. 2, the constraint information holding unit 36 is a rule related to the collateral item predetermined for the insurance product, and satisfies the satisfaction condition and the confirmation item (hereinafter referred to as “constraint information”) in the rule check before the premium calculation. Hold. Constraint information includes a combination of collateral items that are the premise for providing insurance products, includes dependency relationships between multiple types of collateral shown in FIGS. 3 (a) and 3 (b), and is a precondition that a certain collateral can be set As well as information that stipulates that another collateral be established. For example, the restriction information may determine that the vehicle insurance setting of the collateral code “08” is a premise when the on-vehicle personal belongings special agreement with the collateral code “18” is set.

  The constraint satisfaction determination unit 44 is a collateral item corresponding to the intention confirmation result acquired by the intention information acquisition unit 42, and performs a regulation check on the collateral item corresponding to the compensation content desired by the customer. Specifically, the constraint satisfaction determination unit 44 specifies a combination of one or more collateral items to be set according to the customer's intention according to the correspondence relationship stored in the correspondence relationship holding unit 32. Then, it is determined whether or not the combination of collateral items satisfies the constraints stored in the constraint information holding unit 36.

  The determination result output unit 46 transmits a web page indicating the result of the regulation check by the constraint satisfaction determination unit 44 to the window terminal 10 for display. The web page may display that the regulation check is NG, and may display the collateral item that has caused the NG in a manner that emphasizes more than the collateral item that satisfies the constraint.

  When the collateral item corresponding to the customer's intention confirmation result does not satisfy the constraint condition, the person in charge at the store visits the customer to increase or decrease the collateral item as a condition for the insurance premium calculation after consulting with the customer. For example, if the intention confirmation result requires a special contract for in-vehicle personal belongings, but the vehicle insurance is not required, the regulation check may be NG, and the person in charge at the store visitor will add the vehicle insurance on the screen. You may enter. The selection history recording unit 60 acquires information indicating addition or deletion of collateral accompanying the result of the regulation check from the window terminal 10 and stores it in the selection history holding unit 34 in association with the result of the regulation check and customer identification information. .

  The trial calculation condition input screen output unit 47 transmits a web page (hereinafter referred to as “trial calculation condition input screen”) for inputting the trial calculation condition of the automobile insurance premium to the window terminal 10 to be displayed. The trial calculation condition input screen output unit 47 calculates the collateral item corresponding to the customer's intention confirmation result acquired by the intention information acquisition unit 42 and the collateral item increased / decreased according to the result of the regulation check. It may be automatically reflected in the collateral input field.

  The merchandise information acquisition unit 48 acquires the insurance premium trial calculation condition input from the trial calculation condition input screen from the window terminal 10. This trial calculation condition includes information indicating the collateral item that the automobile insurance should compensate. The product information acquisition unit 48 is a plurality of car insurances that can be handled by the shop, in other words, the car insurance premium according to the trial calculation condition for each of the car insurances of a plurality of insurance companies that the sales shop represents. Obtain the trial calculation results from each insurance company.

  Specifically, the product information acquisition unit 48 transmits a trial calculation request specifying the trial calculation conditions acquired from the window terminal 10 to the relay / management apparatus 16. In the embodiment, the first estimation condition indicating the combination of collateral that reflects the result of the customer's intention confirmation as it is (although appropriately changed to satisfy the prescribed check), and the second that indicates the combination of collateral recommended by the store visitor to the customer A trial calculation request specifying both of the trial calculation conditions is sent.

  As described above, the relay / management apparatus 16 holds in advance correspondence relationships between the store visits and a plurality of insurance companies that the store stores act as sales agents. Then, the trial calculation request received from the insurance solicitation support device 12 is transferred to the insurance fee calculation devices 14 of a plurality of insurance companies corresponding to the store visits. The relay / management device 16 is a trial calculation result that is a response to the trial calculation request. Specifically, both the trial calculation result based on the first trial calculation condition and the trial calculation result based on the second trial calculation condition are insurance premiums. Accept from the calculation device 14 and transfer to the insurance solicitation support device 12. The merchandise information acquisition unit 48 receives the trial calculation result transferred from the insurance solicitation support apparatus 12.

  The characteristic information holding unit 38 holds information indicating characteristics of insurance products provided by each of a plurality of insurance companies, so-called insurance company and insurance product sales points and appeal points. In the embodiment, the first feature information 74, the second feature information 76, and the ranking information 78 (referred to simply as “feature information” when collectively referred to) of each insurance product displayed on the insurance product screen described later. Hold. The first feature information 74 is feature information created by each insurance company, and the second feature information 76 is feature information created by the store visit. The ranking information 78 is the popularity ranking (customer satisfaction ranking) of each insurance product provided by an external ranking site. Such feature information may be held in association with each insurance product in units of insurance products, or may be held in association with each insurance company in units of insurance companies.

  The feature information acquisition unit 50 acquires information indicating the insurance product (or insurance company) that is the subject of the premium calculation, from the product information acquisition unit 48, and the first feature information 74 and the first feature information associated with the insurance product. 2 Feature information 76 and ranking information 78 are acquired from the feature information holding unit 38. The merchandise information output unit 52 sends a web page of a merchandise information screen including the estimated amount of each insurance product acquired by the product information acquisition unit 48 and the characteristic information of each insurance product acquired by the feature information acquisition unit 50 to the window terminal 10. Send and display.

  FIG. 7 shows a product information screen. The product information screen shows multiple insurance products (insurance companies) that the shop can sell as a joint agent, in other words, all insurance products (insurance companies) that the shop can present as options based on the customer ’s intentions. Display information. The product information screen can also be said to be a trial calculation result screen that displays the trial calculation results of each insurance product side by side based on the same trial calculation conditions. In FIG. 7, the first characteristic information 74, the second characteristic information 76, the ranking information 78 of the insurance company A, the insurance company B, and the insurance company C, and the estimated premium 72 of the car insurance are displayed side by side. The person in charge at the store displays the product information screen to the customer, and presents the customer with the characteristics of all insurance products that can be compared based on the same calculation conditions. Recommend specific insurance products to customers based on insurance premiums.

  Returning to FIG. 2, the contract schedule information acquisition unit 54 is information on the insurance product that the customer plans to contract at the store visit. Specifically, information indicating the combination of collateral items by the insurance product is used as the contract schedule information. Obtained from the terminal 10. The contract schedule information can be said to be collateral item information that reflects the final intention of the customer after presenting the insurance product information. For example, a publicly-known insurance application that is started up at the window terminal 10 may transmit the collateral item based on the insurance product scheduled to be applied to the insurance solicitation support apparatus 12. Further, the person in charge at the shop may input the collateral item based on the insurance product to be applied to a predetermined screen of the window terminal 10 and notify the collateral type from the window terminal 10 to the insurance solicitation support apparatus 12.

  The selection history recording unit 60 stores the contract schedule information acquired by the contract schedule information acquisition unit 54 in the feature information holding unit 38 together with the customer identification information. The selection history recording unit 60 stores the feature information of the insurance product scheduled to be contracted in the feature information holding unit 38 as the reason for product selection together with the contract schedule information. The reason for selecting the product in the embodiment is the feature information presented to the customer on the product information screen. Specifically, the first feature information 74 and the second feature information held in the feature information holding unit 38 for the insurance product scheduled to be contracted. The feature information 76 and the ranking information 78 are assumed.

  As a modification, the correspondence relationship holding unit 32 may further hold the correspondence relationship between the compensation contents of each insurance product and the collateral item. Further, the contract schedule information acquisition unit 54 may acquire the compensation contents by the insurance product scheduled to be contracted. The selection history recording unit 60 may store a combination of collateral items corresponding to the compensation content acquired by the contract schedule information acquisition unit 54 in the selection history holding unit 34 as contract schedule information.

  FIG. 8 shows the contract schedule information stored in the selection history holding unit 34. Although not shown, the contract schedule information acquisition unit 54 also provides information on compensation details having a granularity smaller than that of the collateral item, such as insurance amount (including unlimited) and setting of exemption amount as contract schedule information. Obtained from the terminal 10. The selection history recording unit 60 records the information including the information in the selection history holding unit 34.

  Returning to FIG. 2, the collateral item comparison unit 56 combines the collateral item indicated by the customer intention information recorded in the selection history holding unit 34 and the combination of collateral item indicated by the contract schedule information recorded in the selection history holding unit 34. Are compared to determine the difference between the two. When it is determined that the combination of the collateral item indicated by the customer intention information and the combination of the collateral item indicated by the contract schedule information are different, the contract confirmation screen output unit 58 displays a web page indicating the fact (hereinafter referred to as “contract confirmation screen”). Is transmitted to the window terminal 10 for display. As a modification, the determination result by the collateral item comparison unit 56 may be recorded in a storage device such as a database, and the determination result may be referred to from the window terminal 10 at a later time.

  It can be said that the contract confirmation screen is a screen for displaying the comparison result of the collateral item by the collateral item comparison unit 56, and can also be said to be a screen indicating the fact when the collateral items of the both do not match. The contract confirmation screen of the embodiment is a screen that displays the customer intention information shown in FIG. 6 and the contract schedule information shown in FIG. 8 side by side. The contract confirmation screen output unit 58 sets the screen data so as to display a place where the combination of the collateral item indicated by the customer intention information and the combination of the collateral item indicated by the contract schedule information are different from each other in a emphasized manner. May be. For example, the area indicating the difference collateral item may be colored in a different color from the other areas, or may be displayed with highlighted characters. In addition, a button or the like for inputting that the customer has received an explanation of the difference between the collateral items or that the customer has accepted the explanation may be provided on the contract confirmation screen.

  The person in charge at the store presents a contract confirmation screen to the customer and explains why the collateral item has increased or decreased. For example, in the example of FIGS. 6 and 8, after confirming the initial intention, the customer will be informed that he / she has newly added a rental car contract because he / she desires compensation for the rental car cost. In addition, as an example not shown, if the vehicle insurance is not desired when the in-vehicle personal item special agreement is requested at the time of initial intention confirmation, the customer is informed that the vehicle insurance has been added to satisfy the insurance product regulations. explain.

  The selection history recording unit 60 stores the data of the contract confirmation screen in the selection history holding unit 34 together with the customer identification information. Information indicating that the explanation of the increase / decrease of the collateral item on the contract confirmation screen has been completed (accepted by the customer) is received from the window terminal 10, and the information is stored in the selection history holding unit 34 together with the data on the contract confirmation screen.

The operation of the insurance solicitation support system 100 having the above configuration will be described below.
When a customer visits a store visit for a new application or review of car insurance, the person in charge at the store shop displays an intention confirmation screen on the window terminal 10 before explaining a specific plan for car insurance. At this time, the intention confirmation screen output unit 40 of the insurance solicitation support device 12 provides a web page of the intention confirmation screen to the window terminal 10 for display. When the customer answers the question on the intention confirmation screen, the intention information acquisition unit 42 and the selection history recording unit 60 of the insurance solicitation support apparatus 12 map the compensation content initially desired by the customer indicated by the customer's answer to the collateral item. Record customer intent information indicating collateral items.

  The constraint satisfaction determination unit 44 of the insurance solicitation support device 12 determines whether or not the collateral item indicated by the customer intention information is consistent with a predetermined rule for the insurance product. If the result of the determination is inconsistency, the determination result output unit 46 notifies the window terminal 10 of inconsistency. The person in charge of the window will change the collateral type of the car insurance as appropriate in accordance with the regulations while consulting with the customer. The selection history recording unit 60 of the insurance solicitation support apparatus 12 records the change contents when the change of the collateral item occurs. When the trial calculation condition of the automobile insurance premium is input at the window terminal 10, the product information acquisition unit 48 of the insurance solicitation support apparatus 12 calculates the premium calculation amount according to the trial calculation condition to the insurance premium calculation apparatuses of a plurality of insurance companies. 14 from.

  The product information output unit 52 of the insurance solicitation support device 12 displays product characteristics and trial calculation amounts for all insurance products that can be compared according to the customer's intention among a plurality of insurance products handled at the store. The web page of the screen is provided to the window terminal 10 and displayed. The person in charge of the window recommends a specific car insurance to the customer while presenting the product information screen to the customer. When the customer selects a specific car insurance as a contract target, the person in charge of the window inputs information indicating the compensation contents of the selected car insurance into the window terminal 10. The contract schedule information acquisition unit 54 and the selection history recording unit 60 of the insurance solicitation support apparatus 12 map the compensation contents of the selected automobile insurance to the collateral item, and record the contract schedule information indicating the collateral item.

  The collateral item comparison unit 56 of the insurance solicitation support device 12 makes a final decision after the collateral item indicated by the customer intention information recorded before the specific insurance plan explanation and the specific insurance plan explanation. The collateral item indicated by the contract schedule information recorded sometimes is compared. If there is a difference between the two collateral types, the contract confirmation screen output unit 58 provides the window 10 of the contract confirmation screen indicating the difference to the window terminal 10 for display. The person in charge of the window explains to the customer the difference between the collateral item when confirming the intention and the collateral item when the contract is concluded, and the factors causing the difference, and obtains the customer's approval. If the customer's consent is obtained, the person in charge of the counter uses the well-known insurance application means to continue the application process for the automobile insurance, in other words, the sales process for the automobile insurance.

  According to the insurance solicitation support apparatus 12 of the embodiment, it is possible to support the realization of insurance solicitation work in accordance with the intention grasping intention to be introduced in the future in the insurance industry and the information provision obligation in the riding agency. For example, the customer's answer to the intention confirmation question is recorded by replacing it with insurance collateral, and the contents of the insurance contract to be applied are also recorded by replacing the collateral with each other, so that both can be compared on a common basis. Thereby, it is possible to efficiently realize the explanation of the difference between the compensation content desired by the customer before the insurance plan explanation and the compensation content by the insurance actually applied to the customer.

  In addition, the product information screen presents to the customer information on all commodities that can be compared according to the customer's intention among the products handled by the store. In fact, even if the person in charge of a store visit recommends a specific insurance product to a customer, product information other than the recommended product can be presented as a basis for the customer's judgment. It becomes easy to maintain sex. In addition, by registering the feature information of each insurance product in the database in advance and automatically setting it on the product information screen, when the person in charge at the store visitor recommends a specific insurance product to the customer, the reason for the recommendation is improved. Can help to explain it.

  Also, when calculating insurance premiums or applying for insurance products, it is necessary to satisfy predetermined collateral restrictions (for example, dependency relationships between collaterals). The insurance solicitation support apparatus 12 according to the embodiment does not perform the regulation check at the time of confirming the customer's intention, but performs the regulation check at the stage of calculating the insurance premium. Thereby, the combination of collateral that reflects the customer's intention before presenting the insurance product as it is can be flexibly set, and comparison with the collateral at the time of insurance application can be realized. Conventionally, in a system that proposes insurance products by letting customers select insurance coverage, logic to meet the regulations is built in beforehand, and freedom of collateral selection is possible while the combination of collateral items meets the regulations. It was just something to offer to customers. The insurance solicitation support apparatus 12 according to the embodiment does not consider satisfying the regulations in grasping the customer's intention, in other words, without restricting the customer's freedom of collateral selection to satisfy the regulations. Record a combination of flexible collateral items that directly reflect customer preferences for collateral comparison.

  The insurance solicitation support apparatus 12 sequentially records the circumstances until the customer selects an insurance product. As a result, it is possible to accumulate evidence that indicates that the intention comprehension obligation and the information provision obligation at the riding agency are being observed. In addition, it becomes possible for the person in charge of the store to easily check the response status of the store visits to a specific customer and the transition of customer intentions for the insurance collateral items from the initial intention confirmation to the contract. Can support effective and efficient customer service.

  The present invention has been described based on the embodiments. This embodiment is an exemplification, and it will be understood by those skilled in the art that various modifications can be made to combinations of the respective constituent elements and processing processes, and such modifications are also within the scope of the present invention. is there. A modification is shown below.

  A first modification will be described. Although not mentioned in the above embodiment, the individual information of the first feature information 74 and the second feature information 76 is stored in the feature information holding unit 38 in association with one or more specific collateral items. May be. In other words, the feature information holding unit 38 may store the first feature information 74 and the second feature information 76 that are related to one or more specific collateral items but are not directly related to other collateral items. . When the product information screen is to be displayed, the feature information acquisition unit 50 is a collateral indicated by the insurance premium estimation condition acquired by the product information acquisition unit 48 among the feature information of each insurance product stored in the feature information holding unit 38. Only the first feature information 74 and the second feature information 76 associated with the event are acquired and passed to the product information output unit 52.

  According to the first modification, only the feature information related to the collateral item (in other words, the collateral item to be calculated) in accordance with the customer's intention is displayed on the product information screen (in other words, a comparison screen of a plurality of insurance products). For example, if the feature information “road service free” is associated with the collateral item “vehicle insurance” and the collateral item “vehicle insurance” is specified in the trial calculation conditions, the feature information “road service free” Is displayed. On the other hand, when the collateral item “vehicle insurance” is not specified in the trial calculation condition, the feature information “road service free” is not displayed on the product information screen. As a result, the customer can easily grasp the characteristics of each insurance product related to the collateral item according to his / her intention, and can effectively support the customer's product selection. In addition, it is possible to support the recommendation of insurance products by the person in charge at the store visitor to be effective for customers.

  A second modification will be described. In the above-described embodiment, all the characteristic information of the insurance product selected by the customer is stored in the selection history holding unit 34 as the reason for the customer's product selection. As a modification, only the feature information that has particularly influenced the customer's product selection may be stored in the selection history holding unit 34. Specifically, the product information output unit 52 associates each feature information with a predetermined area in the display area of the first feature information 74, the second feature information 76, and the ranking information 78 on the web page of the product information screen. A selection input element (here, “check box”) may be arranged.

  The customer or the person in charge of the customer who has grasped the customer's intention inputs a check mark in a check box displayed in association with the feature information regarding one or more feature information that the customer has emphasized when selecting the insurance product. The selection history recording unit 60 stores the feature information associated with the check box to which the check mark has been input in the selection history holding unit 34 as the customer's product selection reason. According to the second modification, feature information that has a large influence on the customer's product selection is recorded, so that it is possible to accumulate information useful for insurance product marketing. For example, it can be used for reviewing the wording of feature information that is likely to give a good impression to customers.

  A third modification will be described. Although not mentioned in the above embodiment, the insurance solicitation support apparatus 12 stores information (in this case, “sales history”) stored in the selection history holding unit 34 and indicating the circumstances until each customer selects a specific insurance product. It may further include a sales history providing unit that transmits information to the relay / management apparatus 16. As described above, the sales history information includes information indicating the transition of the collateral item from the customer intention confirmation to the insurance product application and the reason for product selection. The sales history providing unit executes a mask process for concealing personal information that can identify individual customers among the customer attribute information recorded in the selection history holding unit 34, and eliminates customer personal information. It is desirable to provide background information. For example, if the customer's address / location is included in the sales history information, it is converted to information with a finer granularity than the prefecture (or city / city), in other words, the information after the city / city (or town / character) is deleted. May be.

  According to the third modification, the relay / management device 16 can accumulate information useful for marketing of insurance products. For example, the SIer managing the relay / management device 16 can store the accumulated sales history information with an insurance company, A business that sells to insurance agents such as visiting shops can be realized. In addition, by combining the second modification and the third modification, it is possible to accumulate product selection reasons indicating feature information that has a large influence on the customer's product selection, and to accumulate more useful information for insurance product marketing. .

  Any combination of the above-described embodiments and modifications is also useful as an embodiment of the present invention. The new embodiment generated by the combination has the effects of the combined embodiment and the modified examples. In addition, it should be understood by those skilled in the art that the functions to be fulfilled by the constituent elements described in the claims are realized by the individual constituent elements shown in the embodiments and the modified examples or by their linkage. . For example, the comparison result output unit described in the claims may be realized by cooperation of the collateral item comparison unit 56 and the contract confirmation screen output unit 58 described in the embodiment.

  DESCRIPTION OF SYMBOLS 12 Insurance solicitation support apparatus, 32 Correspondence relation holding part, 36 Restriction information holding part, 38 Feature information holding part, 42 Intention information acquisition part, 44 Restriction satisfaction determination part, 48 Product information acquisition part, 52 Product information output part, 54 Contract Schedule information acquisition unit, 56 collateral item comparison unit, 58 contract confirmation screen output unit, 60 selection history recording unit.

Claims (5)

A correspondence holding unit for storing the correspondence between the compensation content described in the question for confirming the intention to the customer and the insurance collateral item;
An intention information acquisition unit that accepts input of information indicating the compensation content desired by the customer, which is the customer's answer to the question before the insurance product is presented to the customer;
A contract information acquisition unit that accepts input of insurance product information that the customer plans to contract;
When the combination of the collateral item corresponding to the compensation content indicated by the customer's answer and the combination of the collateral item by the insurance product scheduled to be contracted do not match, a comparison result output that outputs information indicating that to the external device And
An insurance solicitation support apparatus comprising: For each of a plurality of insurance products handled by an insurance agent, a feature information holding unit that holds information indicating characteristics of each insurance product;
A product information output unit that displays characteristic information of all of the plurality of insurance products on a screen when an insurance agent recommends a specific insurance product among the plurality of insurance products to a customer;
The insurance solicitation support apparatus according to claim 1, further comprising: A constraint holding unit that holds information indicating a predetermined constraint among a plurality of collateral items;
A determination unit that determines whether or not the constraint is satisfied by a combination of the first collateral item corresponding to the compensation content indicated by the customer's answer;
When the constraint is not satisfied, the combination of the first collateral item is changed so as to satisfy the constraint, and the information on the insurance product to be presented to the customer is externally designated. A product information acquisition unit acquired from
The insurance solicitation support apparatus according to claim 1, further comprising:   The system further comprises a selection history recording unit that sequentially records information indicating a process from when a customer answers the intention confirmation question until a specific insurance product is selected in a predetermined storage area. The insurance solicitation support apparatus according to any one of 1 to 3. A function for accepting input of information indicating the compensation content desired by the customer in response to a question for confirming intention before the insurance product is presented to the customer;
A function that allows customers to input information on insurance products scheduled to be contracted,
With reference to the predetermined correspondence between the compensation content described in the question and the insurance collateral item, the combination of the collateral item corresponding to the compensation content indicated by the customer's answer and the collateral by the insurance product scheduled to be contracted A function for outputting information indicating the fact to the external device when the combination of the items is inconsistent;
A computer program for realizing a computer.

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