JP2020113316A - Application reception system - Google Patents

Abstract

To provide a system which can smoothly perform application procedure of a group confidence life insurance.SOLUTION: In an application reception system, application content reception means accepts and records application content input by an operation of an applicant or a recipient. Application information sending means sends the application content and application information including an attached document image to a server device. A reception confirmation person terminal device confirms about the application information whether there is defectiveness, and sends a reception confirmation result to the server device. Reception confirmation result reception means receives the reception confirmation result and records the same. Temporary access setting means sets a temporary access key so that the applicant can temporarily access the application information if the reception confirmation result indicates the defectiveness. Correction notification sending means sends a correction notification accompanied with the temporary access key to an address of the applicant which is included in the application information. The applicant accesses the application information by the temporary access key sent with the correction notification, and sends correction information.SELECTED DRAWING: Figure 1a

Description

The present invention relates to a system for accepting applications for life insurance and the like.

Applications for life insurance are often received in writing. For example, in the case of group credit life insurance that is incidentally applied when applying for a bank loan, it is accepted by the following procedures (1) to (3).

(1) The bank receptionist receives the application form and the notification form filled in by the applicant.

(2) The confirmation form of the loan center of the bank confirms the entry format of the application form and notification form (whether there are any omissions or lack of attached documents). If there is any defect, request the applicant to correct it through the receptionist.

(3) Next, the documents will be sent to the life insurance company, and the person who confirms the content will confirm the content of the application and decide whether to accept or disapprove.

In such processing, the document is often changed, and there is a problem that the processing takes time.

In order to solve this, Patent Document 1 discloses a system for performing the above-mentioned reception processing by electronic data. In this system, the application form, the notification form, etc. are transmitted to the server device as electronic data and recorded. In addition, an attached document such as a medical certificate is received by the receptionist (person in charge of recruitment) from the applicant, brought back to the company, and uploaded from the terminal device to the server device.

According to the system of Patent Document 1, the actual document can be browsed and the processing such as confirmation can be performed instead of changing the actual document. Therefore, the processing is smooth.

Japanese Patent Laid-Open No. 2001-167160

However, the system of Patent Document 1 has the following problems.

(1) If the applicant did not bring the necessary attached documents at the time of application, the receptionist (person in charge of recruitment) had to receive the attached documents at a later date and input them from the terminal device. In addition, if there is an error in the attached documents or if there are omissions in the attached documents, please contact the applicant via the receptionist (recruitment staff) and have them bring the attached documents (or I had to go). Therefore, it is necessary to bring and send the attached documents, which causes a problem that the procedure is not smooth.

(2) In addition, the receptionist checks whether the necessary documents are correctly attached at the time of application, but if there is a mistake in the confirmation, it is necessary to bring and send the attached documents as well. There is a problem that is not smooth.

It is an object of the present invention to solve at least one of the above problems and to provide a system capable of performing a smooth application procedure.

Some independently applicable features of the invention are listed below.

(1) (2) The group credit life insurance reception system according to the present invention is a reception terminal device of an insurance application receiver, an applicant terminal device of an insurance applicant, and a reception confirmation terminal of a reception confirmation person. A group credit life insurance acceptance system comprising a device and a server device capable of communicating with the acceptor terminal device, the applicant terminal device, and the acceptance confirmer terminal device,
The acceptor terminal device includes an application content acceptance unit that accepts the application content including at least the address of the applicant in text data, and an attached document image acceptance unit that accepts an attached document image obtained by capturing the attached document with a camera. , Application information transmitting means for transmitting the application information including at least the accepted application content or attached document image to the server device,
The server device receives the application information transmitted from the acceptor terminal device and records the application information in a recording unit, and records after performing acceptance acceptor authentication in response to a request from the acceptor terminal device. Application information recorded in the department, a transmission means for transmitting to the reception confirmation person terminal device, and a reception confirmation result reception means for receiving confirmation results including "appropriate" and "defective" from the reception confirmation person terminal device, For the application information whose acceptance confirmation result by the acceptance confirmation terminal device is “defective”, a temporary access key is generated for the insurance applicant of the application information, and at least the applicant terminal device is generated by the temporary access key. The temporary access setting means for temporarily setting the application information of the insurance applicant until the correction information is sent from the device, and the access key is included in the address of the insurance applicant. , A correction notification transmitting means for transmitting a message notifying the correction of the deficiency, receiving a request for a correction screen accompanied by the access key from the applicant terminal device, and after performing insurance applicant authentication, a correction screen Receiving the correction information from the applicant terminal device, and updating the application information of the insurance applicant recorded in the recording unit based on the correction information. And updating means.

Therefore, even if the receptionist overlooks the application details and the applicant overlooks it, or if the applicant does not bring the attached documents, the applicant can correct the inadequacy. Therefore, smooth reception processing can be performed.

(3) The group credit life insurance acceptance system according to the present invention authenticates the content confirmer in response to a request from the content confirmer terminal device possessed by the content confirmer for an application whose acceptance confirmation result is “appropriate”. After that, the content confirmation result including "acceptance", "disapproval", and "deficiency" is transmitted from the content confirmer terminal device with the transmission means for transmitting the acceptance information recorded in the recording section to the content confirmer terminal device. A content confirmation result acceptance unit that accepts and a correction notification message by the recipient terminal device is transmitted for the acceptance information for which the content confirmation result is "defective" even though the acceptance confirmation result is "appropriate". In order to do so, a return means for correcting the acceptance confirmation result from “appropriate” to “defective” is provided.

Therefore, even if the reception confirmation person fails to confirm, it is possible to smoothly take corrective action.

(4) The group credit life insurance acceptance system according to the present invention is characterized in that the correction information from the applicant terminal device includes an attached document image captured by the applicant terminal device.

Therefore, the lack of attached documents can be easily corrected.

(5) (6) The acceptor terminal device according to the present invention is a acceptor terminal device possessed by an insurance acceptor capable of communicating with the server device, and is provided on the application content input screen sent from the server device. When the attached document image capture button is pressed, the camera activation means that activates the camera application, and when the image capture button is captured to capture the attached document, the text data of the application content entered from the application input screen and the attachment are attached. An attachment document image recording means for recording the attachment document image with a file name and recording it in the recording unit for transmitting the document image as application information to the server device is provided.

Therefore, the lack of attached documents can be easily corrected.

(7) (8) The application receiving system according to the present invention is a receiver terminal device of an application receiver, an applicant terminal device of an applicant, a confirmer terminal device of a confirmer, and the acceptor terminal. An application acceptance system comprising a device, a server device capable of communicating with the applicant terminal device and the confirmer terminal device,
The acceptor terminal device includes an application content acceptance unit that accepts the application content including at least the address of the applicant in text data, and an attached document image acceptance unit that accepts an attached document image obtained by capturing the attached document with a camera. , Application information transmitting means for transmitting the application information including at least the accepted application content or attached document image to the server device,
The server device receives the application information transmitted from the acceptor terminal device and records the application information in a recording unit, and after confirmer authentication is performed in response to a request from the confirmer terminal device, the server device stores the application information in the recording unit. Transmission means for transmitting the recorded application information to the confirmer terminal device, confirmation result accepting means for accepting a confirmation result including "appropriate" and "defective" from the confirmer terminal device, and the confirmer terminal device For application information whose confirmation result is “defective”, a temporary access key is generated for the insurance applicant of the application information, and at least correction information is sent from the applicant terminal device by the temporary access key. Until the request comes, the temporary access setting means for setting to temporarily access the application information of the insurance applicant, and a message to notify the address of the applicant of the insufficiency, including the access key. And a correction notification transmitting means for transmitting the correction screen, and after receiving the request for the correction screen accompanied by the access key from the applicant terminal device and performing the applicant authentication, the correction screen is transmitted to the applicant terminal device. The screen transmission means and the updating means for receiving the correction information from the applicant terminal device and updating the application information of the applicant recorded in the recording section based on the correction information.

Therefore, even if the receptionist overlooks the application details and the applicant overlooks it, or if the applicant does not bring the attached documents, the applicant can correct the inadequacy. Therefore, smooth reception processing can be performed.

(9) (10) A life insurance reception system according to the present invention is a life insurance reception system including a terminal device and a server device capable of communicating with the terminal device,
The terminal device includes an application content receiving unit that receives the application content of the applicant in text data, an attached document image receiving unit that receives an attached document image obtained by capturing an image of the attached document with a camera, and the received application content or An application information transmitting unit for transmitting application information including at least an attached document image to the server device,
The server device includes a necessary attached document specifying means for specifying the type of document to be attached based on the application content of the application information transmitted from the terminal device, and an attached document to the application information transmitted from the terminal device. If an image is included, it is identified by the required attached document identification means by referring to the attached document identification means for identifying the type of attached document based on the characteristics of the attached document image and the identification result of the attached document identification means. The attached document correspondence determination means for determining whether or not the attached document corresponding to the required attached document is attached, and when the attached document corresponding to the required attached document is not attached, the application information is transmitted. A notification sending unit that sends a notification requesting the submission of the attached document to the terminal device.

Therefore, it can be promptly notified that the necessary attached documents corresponding to the application contents are not attached.

(11) In the life insurance acceptance system according to the present invention, the necessary attached document identification means is such that, if there is a notification in the application contents that the doctor has received medical treatment within a prescribed period or if the insurance amount exceeds the prescribed amount. The feature is that it is judged that a medical examination result certificate is required as an attached document.

Therefore, the required attached documents can be easily specified.

(12) The life insurance reception system according to the present invention is characterized in that the attached document identifying means identifies the type of attached document based on the character string in the attached document image.

Therefore, the type can be determined based on the attached document image.

In the embodiment, the “application content receiving means” corresponds to step S3. "Text data" refers to coded data.

In the embodiment, the “attached document image receiving means” corresponds to step S8.

In the embodiment, the "application information transmitting means" corresponds to steps S4 and S10.

In the embodiment, the “recording unit” corresponds to steps S54 and S57.

In the embodiment, the "transmitting means" corresponds to step S72.

In the embodiment, the function of the server device 2 corresponding to step S24 corresponds to the “acceptance confirmation result acceptance means”.

In the embodiment, the “temporary access setting means” corresponds to step S76.

In the embodiment, the “correction notification transmitting means” corresponds to step S77. The “access key” is information necessary for access, and is, for example, an ID/password. Further, the “notification of deficiency correction including an access key” is a concept including not only the case of including the access key in the correction notification but also the case of separately transmitting the access key.

In the embodiment, the “correction screen transmission means” corresponds to step S79.

In the embodiment, the “update unit” corresponds to step S80.

In the embodiment, the “necessary attached document specifying means” corresponds to step S58.

In the embodiment, the "attached document specifying means" corresponds to step S59.

In the embodiment, the "attached document correspondence determination means" corresponds to step S60.

In the embodiment, the “notification transmitting means” corresponds to step S61.

The “program” is a concept including not only a program directly executable by the CPU but also a source format program, a compressed program, an encrypted program, and the like.

It is a functional block diagram of the acceptance system by one embodiment of this invention. It is a functional block diagram of the acceptance system by other embodiments of this invention. It is a system configuration of a reception system. It is a hardware configuration of the server device 2. It is a hardware configuration of the receiver terminal device 4. It is a hardware configuration of the reception confirmer terminal device 6. This is the hardware configuration of the applicant terminal device 8. It is a flowchart of a reception process. It is a flowchart of a reception process. It is a flowchart of a reception process. It is an example of an application screen. It is an example of an application screen. It is an example of an application screen. It is an example of an application screen. It is an example of an application screen. It is an example of an application screen. It is an example of application data recorded in a database. It is an example of application data converted into PDF. It is an example of an application screen. It is an example of an application screen. It is an example of an application screen. It is an example of an application screen. It is an example of an application screen. It is a flowchart of reception confirmation processing. It is a flowchart of reception confirmation processing. It is a display screen of a matter list. It is an example of a reception confirmation screen. It is an example of a defect notification email. It is an example of a deficiency correction screen. It is an example of a deficiency correction screen. It is a flowchart of content confirmation processing. It is an example of a content confirmation screen.

1. Overall Configuration FIG. 1a shows the overall configuration of an application acceptance system according to an embodiment of the present invention. This system includes a server device 2, a receiver terminal device 4, a reception confirmer terminal device 6, and an applicant terminal device 8.

The application content acceptance means 46 accepts and records the application content input by the applicant or the operation of the recipient. This application content includes the address information of the applicant. The attached document image acceptance means 44 accepts and records an attached document image obtained by capturing an image of a document such as a health certificate of the applicant. The application information transmitting means 42 transmits the application information including the application content and the attached document image to the server device 2.

The recording unit 22 of the server device 2 receives the application information and records it in the recording unit 34. The transmission unit 24 transmits the application information recorded in the recording unit 34 to the reception confirmation person terminal device 6.

The reception confirmer terminal device 6 receives the transmitted application information and displays it. The reception confirmation person confirms whether or not there is any deficiency in the displayed application information and inputs the reception confirmation result. The reception confirmation person terminal device 6 transmits the reception confirmation result to the server device 2.

The acceptance confirmation result acceptance unit 26 of the server device 2 receives the acceptance confirmation result and records it in the recording unit 34. When the acceptance confirmation result is “defective”, the temporary access setting unit 28 allows the applicant to temporarily access the application information in the recording unit 34 from the application terminal device 8 so that the applicant can temporarily access the application information. To set. The correction notification transmitting means 30 transmits the correction notification to the address of the applicant included in the application information together with the temporary access key.

The applicant terminal device 8 receives the correction notification and displays it. The applicant accesses the application information in the recording unit 34 of the server device 2 by the temporary access key transmitted together with the correction notification, and transmits the correction information.

The updating unit 32 of the server device 2 receives the correction information and updates the application information of the recording unit 34. For example, if there is a defect that the attached documents are different, the applicant captures an image of the correct document at the applicant terminal device 8 and sends the image to the server device 2. The updating unit 32 of the server device 2 updates the application information by registering this image as an attached document in the recording unit 34.

After receiving the correction information from the applicant terminal device 8, the temporary access setting means 28 sets the access from the applicant terminal device 8 to be prohibited.

As described above, in this embodiment, since the applicant himself/herself can transmit the correction information from the applicant terminal device 8, even if the application information is incomplete, the procedure can be performed smoothly. You can

FIG. 1b shows the overall configuration of an application acceptance system according to another embodiment. This system comprises a server device 2 and a receiver terminal device 4.

The application content acceptance means 46 accepts and records the application content input by the applicant or the operation of the recipient. This application content includes the address information of the applicant. The attached document image acceptance means 44 accepts and records an attached document image obtained by capturing an image of a document such as a health certificate of the applicant. The application information transmitting means 42 transmits the application information including the application content and the attached document image to the server device 2.

The necessary attached document identifying means 34 of the server device 2 determines the document that needs to be attached based on the application content. The attached document identifying means 36 determines which type of document is attached based on the attached document image. The attached document correspondence determination means 38 determines whether or not a document corresponding to the required attached document is attached.

When it is determined that the necessary attached documents are not attached, the notification sending unit 39 sends a notification to the acceptor terminal device 4 that the attached documents are deficient. The notification display means 48 of the receiver terminal device 4 displays this notification.

Therefore, even if the receptionist overlooks the deficiency in the attached document, it is possible to notify that fact and perform a smooth procedure.

2. System configuration In the following, a case where this system is constructed as a group credit life insurance acceptance system will be described as an example. In the following, an example in which the above-described two embodiments are collectively applied will be shown, but these can be implemented independently.

Group credit life insurance is life insurance that requires participation when borrowing a mortgage at a financial institution or the like. Since the application is made in association with the mortgage, the application will be made at a financial institution.

The receptionist of the financial institution accepts the information, and the receptionist of the loan center of the financial institution confirms whether or not there is any defect in the content of the reception. The contents of the application confirmed by the reception confirmation person are confirmed by the content confirmation person (may be plural persons) inside the life insurance company, and the acceptance or non-approval of the application is determined.

FIG. 2 shows the configuration when constructed as a reception system for group credit life insurance. The acceptor terminal device 4 is a terminal device that a acceptor of a financial institution has, and for example, a mobile terminal device such as a tablet PC can be used. The acceptor terminal device 4 can be connected to the Internet by wireless communication and can communicate with the server device 2.

The reception confirmation person terminal device 6 is a terminal device that a reception confirmation person at a loan center of a financial institution has. The reception confirmation person terminal device 6 is connected to the Internet and can communicate with the server device 2.

The content confirmer terminal devices 10 and 10 are terminal devices that the content confirmer of the life insurance company has. The content confirmer terminal devices 10 and 10 are connected to the Internet and can communicate with the server device 2.

The application information accepted by the acceptor terminal device 4 is sequentially processed in the order of the acceptance confirmer terminal device 6 and the content confirmer terminal devices 10, 10 as shown by the arrow in FIG. Processing is designed to flow as a so-called workflow. In order to ensure security, each of the receptionist, the reception confirmation person, and the content confirmation person can be accessed by being authenticated by the ID and password.

A feature of this embodiment is that if the application information has a defect, the applicant can temporarily interrupt the process in the middle of the above-described workflow, and the applicant himself/herself can correct the defect. For this reason, the acceptance confirmation terminal device 6 gives a temporary ID and password to the applicant. After the applicant uploads the correction information to the server device 2, the access is prevented by the ID and the password to keep the security.

FIG. 3 shows the hardware configuration of the server device 2. A memory 23, a hard disk 25, a DVD-ROM drive 27, and a communication circuit 29 are connected to the CPU 21. The communication circuit 29 is for connecting to the Internet.

An operating system 31 and a server program 33 are recorded on the hard disk 25. The server program 33 functions in cooperation with the operating system 31. These programs are those recorded in the DVD-ROM 35 and installed in the hard disk 25 via the DVD-ROM drive 27.

FIG. 4 shows the hardware configuration of the recipient terminal device 4. In this embodiment, a tablet PC is used as the recipient terminal device 4. A memory 43, a touch screen display 45, a non-volatile memory 47, a communication circuit 49, and a camera 51 are connected to the CPU 41. The communication circuit 49 is for connecting to the Internet by wireless communication.

An operating system 53 and a recipient terminal program 55 are recorded in the non-volatile memory 47. The receiver terminal program 55 cooperates with the operating system 53 to exert its function.

FIG. 5 shows the hardware configuration of the reception confirmer terminal device 6. In this embodiment, a normal PC is used as the reception confirmation person terminal device 6. A mobile terminal device such as a tablet may be used. A memory 63, a display 65, a hard disk 67, a DVD-ROM drive 69, a mouse/keyboard 71, and a communication circuit 73 are connected to the CPU 61. The communication circuit 73 is for connecting to the Internet.

An operating system 75 and a reception confirmation person program 77 are recorded on the hard disk 67. The reception confirmer program 77 cooperates with the operating system 75 to exert its function. These programs are those recorded on the DVD-ROM 79 and installed on the hard disk 67 via the DVD-ROM drive 69.

The content confirmer terminal device 10 also has the same hardware configuration as the reception confirmer terminal device 6. However, the reception confirmer terminal program is recorded on the hard disk instead of the content confirmer terminal program.

FIG. 6 shows the hardware configuration of the applicant terminal device 8. In this embodiment, a smartphone is used as the applicant terminal device 8. You may make it use a tablet or a normal PC. A memory 83, a touch screen display 85, a non-volatile memory 87, a communication circuit 89, and a camera 91 are connected to the CPU 81. The communication circuit 89 is for connecting to the Internet by wireless communication.

An operating system 93 and an applicant terminal program 95 are recorded in the non-volatile memory 87. The applicant terminal program 95 cooperates with the operating system 93 to exert its functions.

3. Reception Processing FIGS. 7, 8a, and 8b show flowcharts of the reception terminal program 55 of the reception terminal device 4 and the server program 33 of the server device 2 when applying for group credit life insurance. In this embodiment, a tablet computer owned by a recipient of a financial institution is used as the recipient terminal device 4.

First, the recipient operates the recipient terminal device 4 and inputs the recipient ID and password in order to access the server device 4. In response to this, the CPU 41 of the acceptor terminal device 4 (hereinafter, sometimes abbreviated as the acceptor terminal device 4) transmits the acceptor ID and password to the server device 2 (step S1).

The CPU 21 of the server device 2 (hereinafter, may be abbreviated as the server device 2) receives this and authenticates the recipient (step S51). That is, it is determined whether or not the combination of the received recipient ID and password has been registered in advance. If the recipient can be confirmed by the authentication, the server device 2 transmits a message that the authentication is completed to the recipient terminal device 4.

The recipient terminal device 4 transmits a request for an application screen for group credit life insurance to the server device 2 (step S2). In response to this, the server device 2 transmits the application screen to the acceptor terminal device 4 (step S52). The recipient terminal device 4 displays the application screen on the touch screen display 45 (step S3).

FIG. 9 shows an example of the application screen. FIG. 9 shows a screen of the application screen for displaying and confirming cautions at the time of subscription. A caution is displayed in the caution display field 100. If the subscriber reads and confirms this, the subscriber checks the confirmation button 102 from the touch screen display.

The subscriber or the receptionist touches the touch screen display 45 to scroll the screen up and down. As a result, a subsequent screen is displayed as shown in FIG. When all the confirmation buttons 102 are checked, the subscriber or the recipient presses the next button 106.

In response to this, the server device 2 transmits the application input screen among the application screens. 11 and 12 show examples of the screen. Input fields 108 and 110 are provided for inputting the applicant's name, age, e-mail address, insurance amount, presence or absence of chronic illness, whether or not a doctor has made a diagnosis, and the like. The applicant operates the touch screen display 45 to input data in these input fields 108. When the input field 108 is clicked, a keyboard for input is displayed. This allows the applicant to input kanji and numbers.

When the input to each input field 108 is completed, the applicant or the acceptor presses the next button 112 (input completion button) in FIG. Receiving person terminal device 4 receives this, and transmits the above-mentioned input contents to server device 2 (Step S4). The server device 2 generates an input confirmation screen based on the input contents that have been transmitted, and transmits the input confirmation screen to the acceptor terminal device 4 (step S53).

The receiver terminal device 4 displays an input confirmation screen (step S5). 13 and 14 show examples of input confirmation screens. As shown in FIG. 13, the contents entered by the applicant are displayed for confirmation. At the end of the input confirmation screen, as shown in FIG. 14, an applicant's signature input field 114 is provided. The applicant who confirms the content inputs a signature in the signature input field 114 with a stylus pen or the like. Then, the next button 116 (input end button) is pressed. In response to this, the reception terminal device 4 transmits the input content confirmation signature image to the server device 2 (step S6).

The server device 2 records the input content in the database as text data (step S54). FIG. 15 shows an example of application content data recorded in the database. An applicant ID is automatically added and recorded in the order of application. The input content confirmation signature image is recorded separately, and its file name is recorded in the database.

Next, the server device 2 makes the item name and the application content data of the newly registered data into a table format, and further records the application content data integrated with the input content confirmation signature image as PDF data (step S54). .. FIG. 16 shows an example of PDF data generated in this way. By generating a PDF in which the input content confirmation signature image and the application content data are integrated, it is possible to prevent falsification based on the time stamp at the time of recording. Further, the PDF data thus generated may be printed and mailed to the applicant or sent to the applicant's mail address as a copy of the applicant.

Next, the server device 2 transmits a notification input screen to the recipient terminal device 4 (step S55). Receiving person terminal device 4 receives this and displays a notice input screen (step S7). 17 to 19 show examples of the notification input screen.

FIG. 17 shows precautions for making a notification. FIG. 18 is a screen for inputting notification contents, and "Yes" and "No" selection buttons 112 are displayed. The applicant operates the recipient terminal device 4 and clicks the selection button 112.

When the recipient determines that an attached document such as a health certificate is required, he/she presses the file attach button 114 shown in FIG. 19 (step S8). As a result, the camera application installed in the recipient terminal device 4 is activated. The applicant or the receptionist operates the receptionist terminal device 4 to capture an image of an attached document such as a medical checkup.

When the image capturing button is pressed, the acceptor terminal device 4 records the captured image of the attached document with a file name, and transmits the attached document image to the server device 2 (step S9). If there is no attached document (if it is not necessary or if it is necessary but the applicant does not bring it), steps S8 and S9 are not executed.

Next, when the next button 115 (input end button) is pressed, the acceptor terminal device 4 transmits the content input in the notification input and the attached document image to the server device 2 (step S10). The server device 2 transmits the input confirmation screen based on the input content and the attached document image (step S56).

The receiver terminal device 4 displays the received input confirmation screen (step S11). Examples of the input confirmation screen are shown in FIGS. 20 and 21. As shown in FIG. 20, for example, which one of the selection buttons has been pressed is shown as a display 116. If the applicant confirms the input contents and determines that there is no mistake, he/she inputs the signature by handwriting in the signature input field 118 shown in FIG. 21 (step S11).

When the applicant presses the next button 120 (sign end button) after inputting the signature, the acceptor terminal device 4 transmits a notice content confirmation signature image to the server device 2 (step S12). The server device 2 adds the received notification content as text data to the field of the applicant in the database of FIG. 15 (step S57). The notification content confirmation signature image and the attached document image are recorded separately from the database, and the file name is recorded in the database.

Subsequently, the server device 2 makes the item names and the notification content data of the newly registered notification content data into a table format, and further records the notification content data integrated with the notification content confirmation signature image as PDF data (step S57).

As described above, the group credit life insurance acceptance process is performed, and the application data is recorded in the server device 2. The server device 2 records the status of the received application data as “waiting for confirmation”. Here, "waiting for confirmation" refers to a state of waiting for confirmation by a receptionist who confirms whether or not the application data is complete. In this embodiment, it is in a state of waiting for confirmation by the reception confirmation person at the loan center of the financial institution.

In addition to the above, a confirmation input screen (a screen for confirming whether or not the reception procedure has been correctly performed by inputting "Yes" or "No") is displayed on the reception terminal device 4 and the input content is displayed. The recipient's signature may be transmitted to the server device 2.

In the server device 2, similarly to the above, the input content data is recorded as text, and the input content and the signature image are integrated as a PDF to generate and record the data.

When the input contents and the like are registered in the database in step S57, the server device 2 next determines the necessary attached documents (step S58). For example, determine if an attachment is required as follows:

If the insurance amount in the application information exceeds the predetermined amount, it is determined that a health examination result certificate or the like is required. In addition, regardless of the insurance amount, if there is an input indicating that the doctor's treatment or medication has been received within the last 3 months in the notification input, it is determined that a medical examination result certificate or the like is necessary.

Further, when there is a notification input indicating that there is a chronic disease and the disease name is recorded, it is determined that the medical certificate of the attending physician is necessary in addition to the medical examination result certificate.

Next, the server device 2 determines the type of attached document actually attached to the application information (step S59). This determination is made based on the attached document image data. For example, the character of the attached document image is recognized (for example, by OCR), and if the recognized character includes “health check”, it is determined to be a “health check result certificate”. When the character "health checkup" is not included but the character "medical checkup" is included, it is determined to be a "medical checkup". Further, when the characters "Ningen Dock" are included, it is determined to be "Ningen Dock result document".

As described above, it is determined what kind of document is actually attached.

Subsequently, the server device 2 determines whether the required attached document and the actually attached document match (step S60). This determination is performed as follows, for example.

If it is determined that the health checkup result certificate is necessary, it is determined whether the health checkup result certificate or the complete medical checkup result document is actually attached. If there is no attachment or only the medical certificate is attached, it is determined that the attached documents are insufficient.

When it is judged that the medical certificate of the attending physician is necessary, it is judged whether the medical examination result certificate or the complete medical checkup result document is actually attached. If it is not attached, it is determined that the attached documents are insufficient. Further, it is judged whether the medical certificate of the attending physician is attached. If it is not attached, it is determined that the attached documents are insufficient. Furthermore, it is determined whether or not the medical certificate includes a character string (for example, “heart disease”) recorded as a disease name of chronic disease. If it is not included, the attached documents are insufficient. If it is included, it is determined that the document is correctly attached.

When the server device 2 determines that there is no shortage, it ends the reception process. When it is determined that the attached documents are insufficient, a notification of the insufficient attached documents describing the reason (insufficient documents, inappropriate medical certificate, etc.) is transmitted to the recipient terminal device 4 (step S61). Receiving person terminal device 4 which received this displays the notification of lack of attached documents. The recipient responds to the deficiency by imaging and transmitting the attached document (step S13).

If the necessary attached documents are not at hand, a message to that effect (by pressing the defect confirmation button or the like) is sent to the server device 2. The server device 2 records a defect in the attached document in the application information of the database.

4. Acceptance Confirmation Process Next, the acceptance confirmation process by the acceptance confirmer terminal device 6, the server device 2, and the applicant terminal device 8 of the loan center of the financial institution will be described. 22 and 23 show flowcharts of the acceptance confirmation terminal program 77, the server program 33, and the applicant terminal program 95.

The reception confirmation person operates the mouse/keyboard 71 of the reception confirmation person terminal device 6 and inputs the reception confirmation person ID and password in order to access the server device 2. In response to this, the CPU 61 of the acceptance confirmer terminal device 6 (hereinafter, may be abbreviated as the acceptance confirmer terminal device 6) accesses the server device 2 with the acceptance confirmer ID and password (step S21). ). The server device 2 authenticates with the reception confirmation person ID and the password, and transmits the matter list screen (step S71). The reception confirmer terminal device 6 displays this on the display 65.

FIG. 24 shows an example of the case list screen. Information such as the applicant's name, status, and date of application is extracted from the database, and a list screen is configured. The reception confirmation person selects the data whose status is "waiting for confirmation" (or "send back"). In response to this, the acceptance confirmer terminal device 6 requests the server device 2 for a confirmation screen of the data (step S22).

The server device 2 receives this and transmits a confirmation screen (step S72). The reception confirmer terminal device 6 displays a confirmation screen on the display 65 (step S23). FIG. 25 shows an example of the confirmation screen. The application information of the selected applicant is shown.

The reception confirmation person confirms this application information on the display 65. The person who confirms the reception determines whether all the necessary items are described or the correct attached documents are attached. If the server device 2 judges that a document shortage is recorded in the database, this information is also sent, and the reception confirmation person makes a judgment with reference to this information.

The reception confirmation person presses one of the result buttons 130, 132, and 134 on the confirmation screen on the reception confirmation person terminal device 6. In response to this, the reception confirmation person terminal device 6 transmits the confirmation result.

In FIG. 25, the input deficiency button 130 is the case where the input content is deficient (missing entry, etc.). The attachment deficiency button 132 is a case where a document to be attached is not attached. The OK button 134 is used when there is no defect.

When it is determined that the input contents are inadequate, the reception confirmation person puts a check in the inadequacy input field 138 corresponding to the incomplete item.

If there is any deficiency, the reception confirmation person inputs a sentence explaining the content of the deficiency in the comment field 136. When there is no input in the comment field 136 and the defect buttons 130 and 132 are pressed, a caution requesting comment input is displayed.

In response to the push of the buttons 130, 132, and 134, the reception confirmer terminal device 6 transmits to the server device 2, the information indicating which button has been pushed, the item name when there is a defect, and the comment content. (Step S24).

The server device 2 determines whether the received result is OK (step S73). In the case of OK, the status of the database is changed to "waiting for approval" (step S74). Further, when the server device 2 erroneously determines that the attached document is insufficient, and “insufficient” is recorded in the attached document column, the description in the attached document column is changed to “appropriate”.

On the other hand, if the received result is incomplete, the server device 2 allows the applicant to temporarily access the data in the database and correct the incompleteness. It may be used) and a password are set and recorded in the record of the applicant in the database (step S76). At this time, the status of the record is changed to “waiting for correction”.

Further, the server device 2 attaches the comment transmitted from the reception confirmer terminal device 6 and transmits a correction notice together with the applicant ID and password to the applicant's mail address (step S77). Note that this e-mail address can be the one entered by the applicant at the time of application.

The applicant receives and displays this correction notification by means of the applicant terminal device 8 (for example, a smartphone). FIG. 26 shows a display example of the correction notice. The URL for accessing the applicant's data is described as a link in this correction notice. Also, the ID and password set in step S76 are described.

The applicant clicks the URL and inputs the ID and password on the authentication screen sent from the server device 2. The applicant terminal device 8 transmits this ID/password to the server device 2 (step S101). The server device 2 receives the ID/password and performs authentication depending on whether or not the ID/password matches the temporary ID/password recorded in the application data of the applicant (step S78). If the authentication is successful, a screen for correction is transmitted to the applicant terminal device 8 (step S79).

FIG. 27 shows an example of the correction screen displayed on the applicant terminal device 8. In this example, the description of “building, etc.” in the address overlaps with the description of “city, town and village address”. In the screen of FIG. 25, a comment input by the reception confirmation person is displayed in the comment field 140 at the top. Below that, only the target portion (and related portion) for correction input is displayed. This is selected in the server device 2 based on the check in the column 138 in FIG. This is so that unnecessary parts will not be erroneously modified.

The applicant operates the applicant terminal device 8 to input a correction and then clicks the send button 144. The applicant terminal device 8 transmits the correction content to the server device 2 (step S102).

FIG. 28 shows another example of the correction screen displayed on the applicant terminal device 8. In this example, although the medical examination certificate is required to be attached, it is not attached. A comment field 140 is provided at the top. Also, at the bottom, a standard sentence is displayed when the attached documents are inadequate. However, the contact information of the person in charge who has received the application and is recorded in the database is displayed.

When the applicant presses the attached document shooting button 150, the camera application of the applicant terminal device 8 is activated. The applicant images the prepared medical examination certificate with the camera 91 and presses the image capturing end button. The applicant terminal device 8 records the attached document image (here, the medical examination certificate image) with a file name, and records the attached document image (the medical examination certificate image) in the server device 2 as the correction content. It is transmitted (step S102).

Based on this, the server device 2 that has received the correction content corrects the application data and records it in the database (step S80). Further, the status of the application data is changed to "waiting for confirmation" (step S81), and the temporary access authority to the applicant is canceled (step S82). Therefore, the confirmation is again performed by the reception confirmation person.

5. Acceptance Process Next, the acceptance confirmation process by the content confirmer terminal device 10 and the server device 2 of the insurance company will be described. FIG. 29 shows a flowchart of the content confirmer terminal program and the server program 33.

The content confirmer operates the mouse/keyboard of the content confirmer terminal device 10 to input the content confirmer ID and password in order to access the server device 2. In response to this, the CPU of the content confirmer terminal device 10 (hereinafter, may be abbreviated as content confirmer terminal device) accesses the server device 2 with the content confirmer ID and the password (step S31). .. The server device 2 authenticates the content confirmer ID and the password, and transmits the matter list screen (step S91). The content confirmer terminal device 10 displays this on the display.

FIG. 24 shows an example of the case list screen. Information such as the applicant's name, status, and date of application is extracted from the database, and a list screen is configured. The content confirmer selects data whose status is "waiting for approval". In response to this, the content confirmer terminal device 10 requests the server device 2 for a confirmation screen of the data (step S32).

In response to this, the server device 2 transmits a confirmation screen (step S92). The content confirmer terminal device 10 displays a confirmation screen on the display (step S33). FIG. 30 shows an example of the confirmation screen. The application information of the selected applicant is shown.

The contents confirmer confirms this application information on the display. The content confirmer looks at the content of the application and determines whether to accept the application. The content confirmer presses any of the result buttons 160, 162, 164 on the confirmation screen on the content confirmer terminal device 10. In response to this, the content confirmer terminal device 10 transmits the confirmation result.

In FIG. 30, the accept button 160 is for accepting the application. The disapproval button 162 is for rejecting the application. The send-back button 164 is used when there are omissions or when there is a shortage of attached documents. When the return button 164 is pressed, the content confirmer inputs the content of the defect in the comment field 166.

Upon receiving the result buttons 160, 162, and 164, the content confirmer terminal device 10 transmits the result of the comment and the comment content (only if there is any) to the server device 2 (step S34).

In response to this, the server device 2 changes the status of the application data according to the received result (steps S93, S94, S95, S96). In the case of "Send back", not only the status is changed, but also a comment is recorded in association with the application data.

In the above, a case has been described where one person who confirms the content decides whether to consent or disapprove. When final approval or disapproval is determined after confirmation by a plurality of content confirmers, the status is set to “waiting for second consent” when the consent of the first consentee is given. When the second consentee consents, the status is set to "waiting for third consent". In this manner, the status may be changed to “accepted” when the last accused person consents.

The application data designated as "return" will be confirmed again by the reception confirmation person. At this time, the comment entered in the comment field 166 is also displayed. Therefore, the reception confirmation person can efficiently confirm the defect.

6. Other
(1) In the above-mentioned embodiment, it is used for reception and examination of group credit life insurance, but it can also be applied to reception and examination of other life insurance. It can also be applied to non-life insurance reception and examination. Further, it can be applied to general acceptance of any application such as service application, purchase application, and membership application.

(2) In the above embodiment, the reception confirmation person and the content confirmation person are separated, but the same person in charge may perform the reception confirmation and the content confirmation.

(3) In the above embodiment, the person who confirms the content also confirms the content using the terminal device. However, the confirmation can be applied even when the reception confirmation is performed by the terminal device and the content confirmer confirms it in writing.

(4) In the above-described embodiment, the server device 2 determines whether the document is defective. However, this process may be performed in the recipient terminal device 4.

(5) In the above embodiment, when the applicant corrects the deficiency using the applicant terminal device 8, the input correction is permitted only in the defective portion. However, other items may be corrected.

(6) In the above embodiment, the temporary access to the applicant is canceled (ended) by the transmission of the defect correction data by the applicant. However, it may be canceled when the reception confirmation person confirms that there is no defect after receiving the defect correction data.

(7) The acceptor terminal device 4, the acceptance confirmer terminal device 6, the applicant terminal device 8, and the content confirmer terminal device 10 in the above-described embodiment may be a smartphone, a tablet, a PC, or the like, respectively.

(8) In the above embodiment, the type of attached document is determined by its character string. However, instead of this, or in addition to this, the determination may be made based on the layout (whether or not there is a predetermined frame at a predetermined place).

(9) In the above embodiment, when the acceptor terminal device 4 accepts the input of the application content and sends the acceptance content to the server device 2, the server device 2 sends the received content to the mail address entered by the applicant. A confirmation e-mail (in addition, an integrated PDF may be attached) may be sent. As a result, it is possible to confirm the input error of the email address by the applicant.

(10) In the above embodiment, the signature input is performed twice in steps S6 and S12, but only one of them may be input.

Claims (12)

Recipient terminal device of insurance application receiver, applicant terminal device of insurance applicant, acceptance confirmer terminal device of acceptance confirmer, acceptor terminal device, applicant terminal device and acceptance confirmation A group credit life insurance reception system comprising a person terminal device and a server device capable of communication,
The reception terminal device is
An application content acceptance means for accepting application content including at least the applicant's address as text data,
Attached document image receiving means for receiving the attached document image obtained by imaging the attached document with a camera,
Application information transmitting means for transmitting the application information including at least the accepted application content or attached document image to the server device,
The server device is
Recording means for receiving the application information transmitted from the receiver terminal device and recording it in the recording part;
In response to a request from the reception confirmation person terminal device, after performing the reception confirmation person authentication, a transmission means for transmitting the application information recorded in the recording unit to the reception confirmation person terminal device,
Acceptance confirmation result acceptance means for accepting a confirmation result including “appropriate” and “defective” from the acceptance confirmer terminal device,
For the application information whose acceptance confirmation result by the acceptance confirmation terminal device is “defective”, a temporary access key is generated for the insurance applicant of the application information, and at least the applicant terminal device is generated by the temporary access key. Temporary access setting means for setting that the application information of the insurance applicant can be temporarily accessed until correction information is sent from
A correction notification sending unit that sends a message to the address of the insurance applicant to notify the correction of the deficiency, including the access key,
Upon receiving a request for a correction screen with the access key from the applicant terminal device and performing insurance applicant authentication, a correction screen transmission means for transmitting the correction screen to the applicant terminal device,
Update means for receiving the correction information from the applicant terminal device and updating the application information of the insurance applicant recorded in the recording unit based on the correction information.
Group credit life insurance reception system with. A server device for accepting group credit life insurance, including a receiver terminal device of an insurance application receiver, an applicant terminal device of an insurance applicant, and a reception confirmation terminal device of a reception confirmation person. A server device configured to communicate,
Recording means for receiving the application information including at least the content of the application including the address of the applicant or the image of the attached document transmitted from the receiver terminal device and recording the application information in the recording unit,
In response to a request from the reception confirmation person terminal device, after performing the reception confirmation person authentication, a transmission means for transmitting the application information recorded in the recording unit to the reception confirmation person terminal device,
Acceptance confirmation result acceptance means for accepting a confirmation result including “appropriate” and “defective” from the acceptance confirmer terminal device,
For the application information whose acceptance confirmation result by the acceptance confirmation terminal device is “defective”, a temporary access key is generated for the insurance applicant of the application information, and at least the applicant terminal device is generated by the temporary access key. Temporary access setting means for setting that the application information of the insurance applicant can be temporarily accessed until correction information is sent from
A correction notification sending unit that sends a message to the address of the insurance applicant to notify the correction of the deficiency, including the access key,
Upon receiving a request for a correction screen with the access key from the applicant terminal device and performing insurance applicant authentication, a correction screen transmission means for transmitting the correction screen to the applicant terminal device,
Update means for receiving the correction information from the applicant terminal device and updating the application information of the insurance applicant recorded in the recording unit based on the correction information.
Group credit life insurance reception server device equipped with. A system according to claim 1 or a device according to claim 2, wherein
Regarding the application for which the acceptance confirmation result is “appropriate”, after the content confirmer authentication is performed in response to the request from the content confirmer terminal device of the content confirmer, the reception information recorded in the recording unit is Transmitting means for transmitting to the content confirmer terminal device,
Content confirmation result receiving means for receiving a content confirmation result including “accept”, “disapproval”, and “deficiency” from the content confirmer terminal device;
In order to transmit a correction notification message by the recipient terminal device, for the receipt information whose content confirmation result is “defective” despite the acceptance confirmation result being “appropriate”, A return means for correcting the acceptance confirmation result from "appropriate" to "defective",
System or device equipped with. The system or apparatus according to any one of claims 1 to 3,
The system or apparatus characterized in that the correction information from the applicant terminal device includes an attached document image captured by the applicant terminal device. A receiver terminal device of an insurance receiver, capable of communicating with a server device,
When the attached document imaging button provided on the application content input screen sent from the server device is pressed, a camera starting means for starting a camera application,
When the image capture button is pressed to capture the attached document, the file name is added to the attached document image in order to send the text data of the application content entered from the application input screen and the attached document image as application information to the server device. Attached document image recording means for attaching and recording in the recording section,
Recipient terminal device equipped with. A receiver terminal program for realizing a receiver terminal device of an insurance receiver, which is communicable with a server device, by a computer, the computer comprising:
When the attached document imaging button provided on the application content input screen sent from the server device is pressed, a camera starting means for starting a camera application,
When the image capture button is pressed to capture the attached document, the file name is attached to the attached document image in order to send the text data of the application content entered from the application input screen and the attached document image as application information to the server device. Recipient terminal program for functioning as an attached document image recording means for recording in the recording unit with the attached. Communication with the acceptor terminal device of the application acceptor, the applicant terminal device of the applicant, the confirmer terminal device of the confirmer, the acceptor terminal device, the applicant terminal device, and the confirmer terminal device An application acceptance system including a possible server device,
The reception terminal device is
An application content acceptance means for accepting application content including at least the applicant's address as text data,
Attached document image receiving means for receiving the attached document image obtained by imaging the attached document with a camera,
Application information transmitting means for transmitting the application information including at least the accepted application content or attached document image to the server device,
The server device is
Recording means for receiving the application information transmitted from the receiver terminal device and recording it in the recording part;
In response to a request from the confirmer terminal device, after performing the confirmer authentication, a transmission means for transmitting the application information recorded in the recording unit to the confirmer terminal device,
From the confirmer terminal device, a confirmation result receiving means for receiving a confirmation result including "appropriate" and "defective",
For the application information for which the confirmation result by the confirmer terminal device is “defective”, a temporary access key is generated for the insurance applicant of the application information, and the temporary access key corrects at least from the applicant terminal device. Temporary access setting means for temporarily setting the application information of the insurance applicant until the information is sent,
A correction notification sending unit that sends a message to the address of the applicant that includes the access key and reports the correction of the deficiency,
In response to a request for a correction screen with the access key from the applicant terminal device, after performing the applicant authentication, a correction screen transmission means for transmitting the correction screen to the applicant terminal device,
Update means for receiving the correction information from the applicant terminal device and updating the application information of the applicant recorded in the recording unit based on the correction information.
Application reception system equipped with. A server device configured to be communicable with a receiver terminal device of an application receiver, an applicant terminal device of an applicant, and a confirmer terminal device of a confirmer,
Recording means for receiving the application information including at least the content of the application including the address of the applicant or the image of the attached document transmitted from the receiver terminal device and recording the application information in the recording unit,
In response to a request from the confirmer terminal device, after performing the confirmer authentication, a transmission means for transmitting the application information recorded in the recording unit to the confirmer terminal device,
From the confirmer terminal device, a confirmation result receiving means for receiving a confirmation result including "appropriate" and "defective",
For the application information for which the confirmation result by the confirmer terminal device is “defective”, a temporary access key is generated for the insurance applicant of the application information, and the temporary access key corrects at least from the applicant terminal device. Temporary access setting means for temporarily setting the application information of the insurance applicant until the information is sent,
A correction notification sending unit that sends a message to the address of the applicant that includes the access key and reports the correction of the deficiency,
In response to a request for a correction screen with the access key from the applicant terminal device, after performing the applicant authentication, a correction screen transmission means for transmitting the correction screen to the applicant terminal device,
Update means for receiving the correction information from the applicant terminal device and updating the application information of the applicant recorded in the recording unit based on the correction information.
Application acceptance server device equipped with. A system for accepting life insurance, comprising a terminal device and a server device capable of communicating with the terminal device,
The terminal device,
Application content acceptance means that accepts the application content of the applicant in text data,
Attached document image receiving means for receiving the attached document image obtained by imaging the attached document with a camera,
Application information transmitting means for transmitting the application information including at least the accepted application content or attached document image to the server device,
The server device is
Based on the application content of the application information transmitted from the terminal device, the required attached document identification means for identifying the type of document to be attached,
If the application information transmitted from the terminal device includes an attached document image, an attached document identifying means for identifying the type of attached document based on the characteristics of the attached document image,
An attached document correspondence determination means for determining whether or not an attached document corresponding to the required attached document identified by the required attached document identification means is attached by referring to the identification result of the attached document identification means,
If it is determined that the attached document corresponding to the required attached document is not attached, to the terminal device that has transmitted the application information, a notification transmission means for transmitting a notification requesting submission of the attached document,
Life insurance reception system with. A server device capable of communicating with a terminal device and receiving life insurance,
The application information including the text data of the application content of the applicant accepted by the terminal device and the attached document image obtained by capturing the attached document with the camera is received from the terminal device, and the application content of the application information is received. Based on the required attached document identification means for identifying the type of document that needs to be attached,
If the application information transmitted from the terminal device includes an attached document image, an attached document identifying means for identifying the type of attached document based on the characteristics of the attached document image,
An attached document correspondence determining means for determining whether or not an attached document corresponding to the required attached document identified by the required attached document identifying means is attached by referring to the identification result of the attached document identifying means,
When it is determined that the attached document corresponding to the required attached document is not attached, a notification sending unit that sends a notification requesting submission of the attached document to the terminal device that has sent the application information,
Life insurance acceptance server device equipped with. The system of claim 9 or the apparatus of claim 10, wherein
The necessary attached document identification means requires a medical examination result certificate as an attached document if there is a notification in the application contents that medical treatment has been received from a doctor within a prescribed period or if the insurance amount exceeds the prescribed amount. A system or device characterized by being determined to be present. The system or apparatus according to any one of claims 9 to 11,
The system or apparatus wherein the attached document identifying means identifies the type of attached document based on a character string in the attached document image.