JP2020184215A - Survival confirmation system, method, and computer program - Google Patents

Abstract

To notify that a recipient is alive in an insurance contract in which the survival of the recipient is an insurance payment condition.SOLUTION: In a storage device, the insurance policy information related to an insurance policy and a corresponding insurer and the account information related to the account associated with the insurance policy are associated and stored. A communication device receives the survival confirmation information indicating that a nominee in the account is alive. A control device determines the account from the account information based on the survival confirmation information and an insurance contract and the insurer from the insurance contract information based on the account, and generates the survival notification information indicating that a recipient in the insurance contract is alive based on the survival confirmation information. The communication device transmits the survival notification information to a second computer device corresponding to the insurer.SELECTED DRAWING: Figure 5

Description

The present invention relates to survival confirmation systems, methods, and computer programs. In particular, the present invention relates to a survival confirmation system, a method, and a computer program for confirming the survival of a beneficiary in whole life annuity insurance and the like.

Traditionally, there is annuity insurance in which the annuity is paid by the contribution of insurance money by the policyholder. If you take out annuity insurance, the beneficiary of the pension (insurance money) can receive the insurance money from the insurer when he / she reaches the receiving age (insurance money receiving period). There are two types of annuity insurance: insurance provided by a public corporation operated by the government and insurance provided by a private financial institution such as an insurance company.

In both annuity insurance, the beneficiary is alive as a condition of insurance payment, so the insurer who pays the insurance money confirms the beneficiary's existence while the beneficiary is receiving the insurance money. It is necessary to perform this regularly (for example, once a year) (see Non-Patent Document 1). Usually, such confirmation of survival is carried out by the insurer sending a document to the beneficiary, the beneficiary filling out the necessary information on the document, and returning the document to the insurer.

Gibraltar Life Insurance Co., Ltd., "Required Documents for Pension Start Procedures", [online], Gibraltar Life Insurance Co., Ltd. Homepage, [Search April 1, 2019], Internet (URL: http://www.gib-life) .co.jp/st/keiyaku/annuity/document.html)

In the conventional method of confirming survival, a document is sent between the insurer and the beneficiary, so it can be said that the method is a burdensome procedure for both parties. By having the insurer contact the beneficiary on a regular basis, it is possible to confirm that the beneficiary is alive instead of the above-mentioned survival confirmation method, but the insurer regularly contacts the beneficiary. Do not have the opportunity to contact you.

The bank manages the depositor's account and may have an interview with the depositor regarding the operational status of the deposit amount, so there is an opportunity to confirm that the depositor is alive. In addition, when the holder of the account dies, the bereaved family or the like performs the procedure of freezing the account, so that the bank can grasp the fact of the death of the holder of the account.

Banks have been able to sell insurance products since 2001 and also manage the insurance products sold by banks. From this, the bank can grasp the survival status of the beneficiary, such as when managing the beneficiary's account in the annuity insurance sold by the bank (by interview with the beneficiary and the bereaved family, etc.). (Through account freeze procedures, etc.).

From the above, since the bank can grasp the survival status of the beneficiary in the insurance product sold by itself, the bank plays a role of notifying the insurer of the survival status of the above-mentioned document in the survival confirmation. Communication can be avoided. However, there is no such mechanism in the existing technology.

The computer device according to the embodiment of the present invention is a computer device that notifies that the beneficiary is alive in an insurance contract on which the beneficiary is alive. A storage device that stores the insurance contract information about the insurance contract and the corresponding insurer in association with the account information about the account associated with the insurance contract, and survival confirmation information indicating that the holder in the account is alive. Based on the communication device configured to receive the above and the received survival confirmation information, the account is determined from the account information, and based on the determined account, the insurance contract and the insurance contract from the insurance contract information. It is provided with a control device configured to determine the insurer and generate survival notification information indicating that the beneficiary in the determined insurance contract is alive based on the received survival confirmation information. The communication device is further configured to transmit the generated survival notification information to a second computer device corresponding to the insurer.

In addition, the method performed by the computer device according to another embodiment of the present invention notifies that the beneficiary is alive in an insurance contract on which the beneficiary is alive. A method performed by a computer device that stores and stores insurance contract information about the insurance contract and the corresponding insurer with account information about an account associated with the insurance contract. Based on the step of receiving the survival confirmation information indicating that the holder in the account is alive, the step of determining the account from the account information based on the received survival confirmation information, and the step of determining the account based on the determined account. , The step of determining the insurance contract and the insurer from the insurance contract information, and the survival notification information indicating that the beneficiary in the determined insurance contract is alive based on the received survival confirmation information. It includes a step of generating and a step of transmitting the generated survival notification information to a second computer device corresponding to the insurer.

According to the survival confirmation system according to the embodiment of the present invention, the insurer is notified that the beneficiary is alive in the insurance contract on which the beneficiary is alive. Written exchanges between the person and the recipient can be omitted.

It is a block diagram which shows the example of the overall structure of the information processing system according to one Embodiment of this invention. It is a block diagram which shows the example of the detailed component | component of the server computer according to one Embodiment of this invention. It is a figure which shows the example of the insurance contract data table. It is a figure which shows the example of the survival state data table. It is a flowchart which shows the example of the process according to one Embodiment of this invention.

<Definition>
Hereinafter, the survival confirmation system 100 according to the embodiment of the present invention will be described in detail with reference to the attached drawings. The survival confirmation system 100 is applied to any insurance contract that requires the beneficiary to be alive. Such insurance policies include whole life annuity insurance and tontine insurance. In an actual application of the present invention, the survival confirmation system 100 shall notify the insurer of the survival status of the beneficiary with the consent of the policyholder.

As used herein, the term "(insurance claim) beneficiary" refers to a person who can receive insurance claims from an insurer based on an insurance contract with the insurer. “Contractor” refers to a person who has an insurance contract with an insurer. The contractor and the recipient may be the same person. The insurance payment terms include at least the insurance payment period and the beneficiary being alive.

In this specification, "bank" refers to a financial institution that performs the business specified by the Banking Act (such as lending funds) and manages at least the accounts held by depositors, and has a tie-up / cooperative relationship with that financial institution. Including businesses in. As used herein, the term "insurer" refers to a person who is obliged to collect insurance premiums and pay insurance claims to the beneficiary within the insurance claim receiving period based on the insurance contract with the policyholder. Banks may sell insurance products on behalf of the insurer. Banks and insurers may have a one-to-one or one-to-many relationship. That is, a bank can sell a plurality of insurance products provided by a plurality of insurers on behalf of a plurality of insurers.

<System configuration>
The survival confirmation system 100 includes a server computer 1, a server computer 2, a client computer 3, a client computer 4, and a biometric authentication device 5. The server computer 1, the server computer 2, the client computer 3, the client computer 4, and the biometric authentication device 5 are connected to each other via a network 6 (a public network such as the Internet).

The server computer 1 is a computer device (information processing device) that executes the main processing according to the present embodiment. The server computer 1 is managed by a bank or a business partner / cooperative with the bank to manage / support the banking business. For this reason, the server computer 1 may be implemented in a conventional bank accounting system. Further, the server computer 1 may be implemented by a single computer device, or may be implemented by a plurality of computer devices.

The server computer 1 implements a database management system (DBMS) and stores account information regarding an account managed by a bank and survival status information regarding an account holder who holds the account. The account information includes biometric information (fingerprint information, iris information, vein information, etc.) of each account holder. The biometric information is used for biometric authentication by the biometric authentication device 5 described below. The server computer 1 also stores insurance contract information related to insurance sold by the bank. This information is stored and updated based on the data transmitted from the server computer 2 and the data input from the client computer 3.

The server computer 2 is a computer device (information processing device) that executes the processing according to the present embodiment in cooperation with the server computer 1. The server computer 2 is managed by the insurer or a business operator affiliated / cooperative with the insurer in order to manage / support the insurance solicitation business and the like. For this reason, the server computer 2 may be implemented in the existing insurance contract management system of the insurer. Further, the server computer 2 may be implemented by a single computer device, or may be implemented by a plurality of computer devices.

The server computer 2 implements a database management system (DBMS) and stores insurance contract information that manages insurance contracts contracted by the insurer with the policyholder. This information is stored and updated based on the data transmitted from the server computer 1 and the data input from the client computer 4.

The client computer 3 is, for example, a computer device (information processing device) used by a person in charge of a bank. That is, the client computer 3 is a computer device for inputting information necessary for managing the survival state information and the like stored in the server computer 1. The client computer 3 may be a portable computer device such as a smartphone or tablet, a laptop computer device, a notebook computer device, or the like.

The client computer 4 is, for example, a computer device (information processing device) used by the person in charge of the insurer. That is, the client computer 4 is a computer device for inputting information necessary for managing insurance contract information and the like stored in the server computer 2. The client computer 4 may be a portable computer device such as a smartphone or tablet, a laptop computer device, a notebook computer device, or the like.

The biometric authentication device 5 is a computer device (information processing device) that authenticates a user (account holder) by utilizing human ecological characteristics such as fingerprint authentication, face authentication, iris authentication, and vein authentication. is there. The biometric authentication device 5 is managed by a bank or a business operator affiliated with / cooperative with the bank. The biometric authentication device 5 is implemented by, for example, an automated teller machine (ATM).

The biometric authentication device 5 has a biometric sensor (fingerprint sensor or the like) that reads biometric characteristics, and when the biometric sensor reads the ecological characteristics of the account holder, the read information is transmitted to the server computer 1. The server computer 1 authenticates the account holder by comparing the information transmitted from the biometric authentication device 5 with the stored biometric information. When the account holder is authenticated in this way, the server computer 1 determines that the account holder is alive.

Next, an example of detailed components of the server computer 1 and the server computer 2 will be described with reference to FIG. Since the client computer 3, the client computer 4, and the biometric authentication device 5 may be implemented by a general-purpose computer device that has been conventionally used, detailed description thereof will be omitted.

The server computer 1 includes a control device 11, a memory 12, a storage device 13, and a communication device 14, and each element thereof is connected via a system bus. As shown in FIG. 2, the server computer 1 is connected to the server computer 2 and the client computer 3.

The control device 11 is also referred to as a processor, and executes control of each component and calculation of data. Further, the control device 11 reads the program stored in the storage device 13 into the memory 12 and executes the program for executing the various processes according to the present embodiment. Here, the above-mentioned program is a program for implementing a part of the functions executed by the survival confirmation system 100, and is stored in the storage device 13 of the server computer 1.

The memory 12 is a volatile data storage device that stores data transmitted from the server computer 2 and the client computer 3, computer-executable instructions, and data after arithmetic processing by the instructions. The memory 12 may be implemented in RAM (random access memory) (for example, SRAM (static RAM) and DRAM (dynamic RAM)).

The storage device 13 is a non-volatile data storage device that stores the above-mentioned program, the database table 13a used by the DBMS, and the like. The storage device 13 may be mounted on a non-volatile semiconductor memory such as a ROM (read-only memory), a magnetic storage device (hard disk drive or the like), an optical disk, or the like. Data such as programs and database tables may be stored in NAS (Network Attached Storage) and / or SAN (Storage Area Network) or the like in addition to or instead of the storage device 13.

The communication device 14 is a network interface for transmitting and receiving data and control information between the server computer 2 and the client computer 3 through the network 6. This network interface is implemented by, for example, a network card (for example, a LAN card) that conforms to a protocol such as TCP / IP.

The server computer 2 includes a control device 21, a memory 22, a storage device 23, and a communication device 24, and each element thereof is connected via a system bus. As shown in FIG. 2, the server computer 2 is connected to the server computer 1 and the client computer 4. The control device 21, the memory 22, the storage device 23, and the communication device 24 function in the same manner as the control device 11, the memory 12, the storage device 13, and the communication device 14 included in the server computer 1, respectively. The description is omitted.

<Database table>
Next, an example of the insurance contract data table 300 stored in the database table 13a of the server computer 1 will be described with reference to FIG. The insurance contract data table 300 corresponds to the insurance contract information described above. The insurance contract data table 300 is a database table for managing information on insurance contracts corresponding to insurance products sold by the bank on behalf of the insurer. The insurance contract data table 300 stores a data record (insurance contract data record) for each insurance contract.

As shown in FIG. 3, the insurance contract data table 300 has branch number 301, account number 302, company number (or insurance company name) 303, securities number 304, latest insurance claim payment date 305, and next insurance as data items. Includes payment date 306, most recent survival confirmation date 307, and death confirmation date 308.

The branch number 301 and the account number 302 are managed by the bank, and the branch number and the account number corresponding to the account held by the beneficiary in the target insurance contract are set. For the company number (or insurance company name) 303, the identification number (or insurance company name) of the insurer who has concluded the target insurance contract is set. The security number 304 is set to the security number corresponding to the target insurance contract.

The latest insurance claim payment date 305 is set to the date on which the insurer most recently paid the insurance claim to the beneficiary in the target insurance contract. When the insurer pays the insurance money to the beneficiary, the payment date is transmitted from the server computer 2 to the server computer 1 and set to the latest insurance money payment date 305. The next insurance claim payment date 306 is set to the date on which the insurer will next pay the insurance claim to the beneficiary in the target insurance contract. When the insurer pays the insurance money to the beneficiary, the server computer 2 sends the date on which the insurance money will be paid next to the server computer 1 and sets the next insurance money payment date 306.

The most recent survival confirmation date 307 is set to the date when the bank confirms that the beneficiary in the target insurance contract is alive. The death confirmation date 308 is set to the date on which the bank confirms that the beneficiary in the subject insurance contract has died.

In each of the insurance contract data records, when the insurer concludes an insurance contract with the policyholder, the bank representative inputs the necessary information from the client computer 3 and the information is transmitted to the server computer 1. , Is newly inserted in the insurance contract data table 300. At this point, initial values are set for the latest insurance payment date 305, the next insurance payment date 306, the latest survival confirmation date 307, and the death confirmation date 308.

The layout of the data table shown in FIG. 3 is merely an example. The insurance contract data table 300 need not include all of the elements shown in FIG. 3, and may include any information not shown in FIG. For example, instead of the layout shown in FIG. 3, the insurance contract data table 300 may be implemented by a plurality of normalized data tables.

By adding the insurance contract data record to the insurance contract data table 300 when the insurer concludes the insurance contract (via sale by the bank), at least the bank is eligible for the insurance contract, account number, and insurer. Can be associated and managed. In addition, by updating the date of the latest insurance claim payment date 305 and the next insurance claim payment date 306, the bank can also manage the status of the insurance claims paid by the insurer to the beneficiary on a regular basis.

Next, an example of the survival state data table 400 stored in the database table 13a of the server computer 1 will be described with reference to FIG. The survival status data table 400 corresponds to the survival status information described above. The survival status data table 400 is a database table for the bank to manage the survival status of the holder who holds the account managed by the bank. The survival data table 400 stores a data record (survival data record) for each account and / or insurance contract.

As shown in FIG. 4, the survival status data table 400 has branch number 401, account number 402, company number (or insurance company name) 403, securities number 404, survival confirmation date 405, and death notification confirmation as data items. Includes day 406.

For the branch number 401 and the account number 402, the branch number and the account number corresponding to each account managed by the bank are set. The company number (or insurance company name) 403 is set to the identification number (or insurance company name) of the insurer when the target account holder has an insurance contract with the insurer through the bank. The security number 404 is set to the security number corresponding to the target insurance contract. In the present embodiment, the survival status data table 400 includes the company number 403 and the securities number 404 as data items, that is, the account and the insurance contract concluded by the holder are associated with each other. Not required.

The survival confirmation date 405 is when the bank confirms the survival status of the holder in the target account (for example, when the person in charge of the bank has an interview with the holder in the target account about the operational status of the deposit amount, etc.) The confirmed date is set. The death report confirmation date 406 is confirmed when the bank confirms the death of the holder in the target account (for example, when the holder in the target account dies and the bereaved family sends a death report to the bank). The date is set.

When an account is created in the bank, each of the survival data records is transmitted to the server computer 1 by the person in charge of the bank inputting the necessary information from the client computer 3, and the survival data table 400 Is newly inserted in. At this point, initial values are set for the survival confirmation date 405 and the death notification confirmation date 406.

The layout of the data table shown in FIG. 4 is merely an example. The viability data table 400 need not include all of the elements shown in FIG. 4, and may include any information not shown in FIG. For example, instead of the layout shown in FIG. 4, the survival data table 400 may be implemented by a plurality of normalized data tables.

By implementing the insurance contract data table 300 and the survival status data table 400, the server computer 1 associates and stores at least the insurance contract information regarding the insurance contract and the survival status information regarding the holder in the account associated with the insurance contract. Become. With such a configuration, the bank can notify the insurer of information on the survival status of the beneficiary in the insurance contract, as will be described later.

Although not shown, the server computer 2 stores a database table (hereinafter, “insurer management data table”) for specifying / managing each of the insurance contracts concluded by the insurer in the storage device 23. The insurer management data table stores at least information associated with insurance contracts (eg, identified by securities number), policyholders (eg, identified by policyholder number), and policyholders. In addition, the insurer management data table stores information relating the latest insurance claim payment date and the next insurance claim payment date, as will be described later.

<Survival confirmation process>
Next, an example of the survival confirmation process according to the present embodiment will be described with reference to FIG. As mentioned above, the person in charge of the bank may have an interview with the holder in the account about the operational status of the deposit amount. In addition, when the holder dies, the bereaved family and others need to carry out the procedure for freezing the account. If the holder in this account is the beneficiary of the insurance sold by the bank, the bank has a higher probability of knowing the survival status of the beneficiary than the insurer. In the survival confirmation process according to the present embodiment, the bank notifies the insurer of the survival status of the beneficiary, thereby omitting the exchange of documents required for the survival confirmation between the insurer and the beneficiary.

As a premise of the survival confirmation process according to the present embodiment, it is assumed that the holder C who holds the account B managed by the bank A has concluded the insurance contract D with the insurer E. Holder C shall also be the beneficiary of insurance contract D. In the insurance contract D, the insurer E needs to confirm the survival of the beneficiary once a year, and for example, a predetermined period after 11 months have passed from the date of the most recent confirmation of survival. Survival confirmation shall be made. In the following, the predetermined period after the lapse of a predetermined period after the most recent confirmation of survival is referred to as a survival confirmation period.

The account B corresponds to an account in which "111" and "1234567" are set for the branch number 301 and the account number 302 in the insurance contract data table 300 shown in FIG. 3, respectively. The insurance contract D and the insurer E correspond to the insurer and the insurance contract in which "112233444" and "678" are set for the securities number 304 and the company number 303 in the insurance contract data table 300 shown in FIG. 3, respectively. The survival status data record of the survival status data table 400 shown in FIG. 4 corresponds to the insurance contract data record shown in FIG.

First, when the person in charge of the bank A has an interview with the holder C within the survival confirmation period, for example, the person in charge can confirm that the holder C is alive. The interview may be an interview regarding the operational status of the deposit amount of the account held by the holder and the operational status of the insurance product and / or the financial product sold by Bank A. When the person in charge of the bank A confirms the survival of the holder C, the person in charge inputs information such as the survival confirmation date of the holder C using the client computer 3 (step S501).

The information input in step S501 includes at least the account number of the account B and the information indicating that the holder C is alive, for example, the survival confirmation date. Further, the information indicating that the holder C is alive may be a predetermined value indicating that the holder C is alive instead of the survival confirmation date (for example, a survival confirmation indicator). 1 (survival confirmed), etc.). Hereinafter, the input information will be referred to as survival confirmation information.

Next, the client computer 3 transmits the survival confirmation information to the server computer 1 (step S502). Next, when the communication device 14 of the server computer 1 receives the survival confirmation information, the control device 11 updates the target data record of the survival status data table 400 based on the survival confirmation information (step S503). Specifically, the control device 11 sets the survival confirmation date 405 of the target survival status data record to the date included in the survival confirmation information.

By the processing of steps S501 to S503, the bank A can manage the information that the holder C is alive. That is, the survival status data record whose survival status data table 400 is set to the survival confirmation date 405 indicates that the holder in the target account is alive. In the present embodiment, whether or not the holder in the account is alive is identified by the date set on the survival confirmation date 405, but the present invention is not limited to such an example. For example, the survival status data table 400 may be provided with an item indicating the status of survival confirmation, and the status may be updated to identify whether or not the holder C is alive (for example, the status may be set to "1: 1". "Alive confirmed" is updated).

In addition to, or instead of, steps S501 to S503, it may be determined that the holder C is alive as follows. When the holder C withdraws the deposit amount from the ATM, for example, the biometric authentication sensor provided in the biometric authentication device 5 reads the ecological characteristics of the holder C (step S501a). At this time, the biometric authentication device 5 also reads, for example, a cash card held by the holder C and acquires the account information (account number, etc.) of the account B.

The biometric authentication device 5 converts the ecological features read in step S501a into information (biological information) that can be read by a computer such as binary, and transmits the biometric information together with the account information to the server computer 1 as survival confirmation information. (Step S502a). Next, when the communication device 14 of the server computer 1 receives the survival confirmation information, the control device 11 reads the biometric information corresponding to the account information included in the received survival confirmation information from the storage device 13 and receives the biometric information. Compare with. If they match, the control device 11 determines that the holder C is alive and updates the target data record in the survival status data table 400 (step S503a). Specifically, the control device 11 sets the survival confirmation date 405 of the target survival status data record to the date (system date) at which step S503a is executed.

Next, the control device 11 makes an insurance contract based on the values set in the branch number 401 and the account number 402 of the survival status data table 400, and the date set in the latest survival confirmation date 307 of the insurance contract data table 300. An insurance contract data record satisfying a predetermined condition is extracted from the data table 300 (step S504). Specifically, the control device 11 determines the survival status data record whose date is set to the survival confirmation date 405, and the date set to the latest survival confirmation date 307 of the corresponding insurance contract data record is set in step S504. Extract data records that have passed a predetermined period from the date of execution. That is, when the insurance contract corresponding to the holder whose survival confirmation is performed in step S503 is within the survival confirmation period based on the previous survival confirmation, the corresponding insurance contract data record is extracted.

Next, the control device 11 generates survival notification information based on the information included in the insurance contract data record extracted in step S504 (step S505). The survival notification information is at least the security number set in the security number 304 (that is, the information that identifies the target insurance contract) and the information indicating that the holder (the beneficiary in the target insurance contract) is alive. For example, it includes a survival confirmation date. In addition, the information indicating that the recipient is alive may be a predetermined value indicating that the recipient is alive, instead of the survival confirmation date.

Next, the communication device 14 of the server computer 1 uses the survival notification information generated in step S505 as the insurer's server computer 2 corresponding to the company number set in the company number 303 of the insurance contract data record extracted in step S504. (Step S506).

Next, when the communication device 24 of the server computer 2 receives the survival notification information, the control device 21 updates the target data record of the insurer management data table based on the survival notification information. Specifically, the control device 21 sets the date on which this step is executed on the survival confirmation date of the target insurer management data table (step S507). This process allows the insurer to ensure that the beneficiary in the subject insurance policy is alive.

Next, the control device 11 of the server computer 1 updates the target data record of the insurance contract data table 300 (step S508). Specifically, the control device 11 sets the latest survival confirmation date 307 of the target insurance contract data record to the date included in the survival confirmation information set in step S503.

By the process according to the present embodiment, for example, the insurer E can be notified by the bank that the beneficiary C in the insurance contract D is alive and can grasp that the beneficiary is alive. Therefore, the insurer E can perform the insurance payment procedure to the beneficiary without confirming the existence of the beneficiary C by himself / herself.

After that, when the insurer E performs the insurance claim payment procedure to the beneficiary C, the person in charge of the insurer E uses the client computer 4 to perform the insurance claim payment procedure (the latest insurance claim payment date, Then, information such as the date of payment of insurance money (next date of payment of insurance money) is input. The control device 21 of the server computer 2 is the closest to the target data record in the insurer management data table stored in the storage device 23. The date input from the client computer 4 is set for the insurance claim payment date and the next insurance claim payment date.

In response to the date being set for the latest insurance payment date and the next insurance payment date in the insurer management data table, the communication device 24 of the server computer 2 sets the latest insurance payment date and the next insurance payment date. It may be transmitted to the server computer 1. When the communication device 14 of the server computer 1 receives the latest insurance claim payment date and the next insurance claim payment date, the control device 11 updates the target data record of the insurance contract data table 300. Specifically, the control device 11 sets the received dates on the latest insurance claim payment date 305 and the next insurance claim payment date 306 of the target insurance contract data record, respectively.

In the above process, the insurance contract data table 300 is updated on the server computer 1 at the timing when the insurer pays the insurance money to the beneficiary according to the corresponding date. In other words, not only the insurer but also the bank manages the status from the confirmation of the beneficiary's existence to the payment of the insurance money to the beneficiary.

If the bank does not confirm the survival of the recipient C within the survival confirmation period, for example, the survival notification information transmitted to the server computer 2 in step S505 cannot confirm the survival of the recipient. A predetermined value indicating that this may be included (for example, a survival confirmation indicator: 2 (survival confirmation not performed) may be included). In this case, the insurer E can determine that the bank A has not been able to confirm the existence of the beneficiary C, and can start the procedure by exchanging documents as before.

In the present embodiment, an example of notifying the insurer that the beneficiary is alive has been described, but when the holder dies, the insurer provides information indicating that the holder (recipient) has died. May be notified to. In this case, the target insurance contract does not meet the conditions for payment of the target insurance money, and the insurer can grasp the fact. The processing in this case is executed as follows.

First, when the holder (recipient) C dies, the bereaved family of the holder C visits, for example, the window of the bank A and submits a death report. When the person in charge of bank A receives the death report, the person in charge inputs information such as the date of receipt of the death report using the client computer 3. The date of receipt of the death report is included in the above-mentioned survival confirmation information and transmitted to the server computer 1.

After that, the date is set to the death notification confirmation date 406 of the target data record in the survival status data table 400 and the death confirmation date 308 of the target data record in the insurance contract data table 300 based on the death notification acceptance date. .. In the server computer 2, the death notification acceptance date is set on the death confirmation date of the target data record in the insurer management data table stored in the storage device 23.

In the above explanation, the date of receipt of the death report is included in the survival confirmation information as information indicating that the recipient has died, but it is predetermined to indicate that the recipient has died instead of the date of receipt of the death report. (For example, the survival confirmation indicator: 3 (death confirmed) may be used).

As described above, an example of the survival confirmation system 100 according to the present invention has been described. According to the survival confirmation system 100 described above, by notifying the insurer of the survival status of the beneficiary in the death insurance, it is possible to omit the conventional written exchange between the insurer and the beneficiary. .. In addition, when the beneficiary dies, the insurer can omit the procedure for confirming the fact of the beneficiary's death by notifying the insurer of the fact of the death.

In the present embodiment, an example has been described in which the bank notifies the insurer of the survival status of the beneficiary by conducting an interview with the beneficiary (depositor), but the trigger to notify the insurer is limited to the interview. Not done. The bank may be in direct or indirect contact with the recipient, for example, when the recipient accepts a change of address. Further, when the bank accepts the change of the address of the recipient, for example, the server computer 1 may send the changed address to the server computer 2 including the changed address in the survival notification information. In this way, the insurer can keep track of the recipient's latest address even if the recipient changes his or her address. Instead of the above, the changed address may be transmitted to the server computer 2 separately from the survival notification information.

It should be noted that the hardware components described in the above embodiments are only exemplary and other configurations are possible. Further, the order of the processes described in the above-described embodiment does not necessarily have to be executed in the order described, and may be executed in any order. In addition, additional steps may be added without departing from the basic concept of the present invention.

Further, the survival confirmation system 100 according to the embodiment of the present invention is implemented by a computer program executed by the server computer 1, and the computer program may be stored in a non-temporary storage medium. The same applies to the computer programs executed by the server computer 2, the client computer 3, and the client computer 4. Examples of non-temporary storage media include magnetic media such as read-only memory (ROM), random access memory (RAM), registers, cache memory, semiconductor memory devices, internal hard disks and removable disk devices, optomagnetic media, and Includes optical media such as CD-ROM discs and digital multipurpose discs (DVDs).

1 Server computer 2 Server computer 3 Client computer 4 Client computer 5 Biometric authentication device 6 Network 100 Survival confirmation system

Claims (7)

A computer device that notifies that the beneficiary is alive in an insurance contract that requires that the beneficiary is alive.
A storage device that stores insurance contract information about the insurance contract and the corresponding insurer in association with account information about the account associated with the insurance contract.
A communication device configured to receive survival confirmation information indicating that the holder in the account is alive.
Based on the received survival confirmation information, the account is determined from the account information, and the account is determined.
Based on the determined account, the insurance contract and the insurer are determined from the insurance contract information.
A control device configured to generate survival notification information indicating that the beneficiary in the determined insurance contract is alive based on the received survival confirmation information is provided.
The communication device is a computer device further configured to transmit the generated survival notification information to a second computer device corresponding to the insurer. The computer device according to claim 1, wherein the survival confirmation information is information input from the third computer device and includes a date when the holder confirms that the person is alive. The account information includes biometric information of the holder.
The survival confirmation information includes biometric information read from the holder by the biometric authentication device.
The control device is
The biometric information included in the survival confirmation information is compared with the biometric information included in the account information.
The computer device of claim 1, further configured to generate said survival notification information based on the agreement of the comparisons. The survival confirmation information according to claim 1, wherein the survival confirmation information is information input from a third computer device and includes information indicating that the holder has not confirmed that he / she is alive. Computer device. The computer device according to claim 1, wherein the survival confirmation information is information input from a third computer device and includes information indicating that the holder has died. A method performed by a computer device that notifies that the beneficiary is alive in an insurance policy that requires the beneficiary to be alive.
The computer device stores, associating and storing insurance contract information about the insurance contract and the corresponding insurer with account information about the account associated with the insurance contract.
The step of receiving the survival confirmation information indicating that the holder in the account is alive, and
A step of determining the account from the account information based on the received survival confirmation information,
A step of determining the insurance contract and the insurer from the insurance contract information based on the determined account,
Based on the received survival confirmation information, a step of generating survival notification information indicating that the beneficiary in the determined insurance contract is alive, and
A method comprising a step of transmitting the generated survival notification information to a second computer device corresponding to the insurer. A computer program including a computer executable instruction, wherein the computer executable instruction causes the computer device to execute the method according to claim 6, when executed by the computer device.

Images