JP2021162933A - Insurance information service system, method and computer program - Google Patents

Abstract

To provide an insurance information providing system, a method and a computer program that provide information on an insurance contract made through over-the-counter selling of a specific financial institution.SOLUTION: In an insurance information providing system, a server computer 1 includes a control device 11, a storage device 13 and a communication device 14. The storage device 13 stores insurance contract information in which account information and insurance identification information on a corresponding insurance contract are associated with each other. The communication device 14 receives insurance detail data. The control device 11 identifies, from the insurance contract information, insurance identification information corresponding to one or more contracts corresponding to the account information, acquires, from the insurance detail data, insurance detail information on the one or more insurance contracts based upon the insurance identification information, and generates notification data including the insurance detail information. Further, the communication device 14 transmits the notification data.SELECTED DRAWING: Figure 5

Description

This disclosure relates to insurance information provision systems, methods, and computer programs. In particular, the disclosure relates to insurance information provision systems, methods, and computer programs that provide information about insurance contracts sold at bank counters.

In December 2007, the so-called "bank sales", which allows insurance products to be sold at bank counters, was completely lifted. Since a bank has a customer who has a certain amount of assets (hereinafter referred to as “bank customer”), it is possible to activate asset management for the bank customer by proposing an investment product utilizing insurance to the bank customer.

For example, a bank customer can purchase a plurality of insurance products provided by a plurality of insurance companies (insurers) from a bank in which he / she has an account. After purchasing the product, the bank customer then exchanges information with the insurer who provides the target insurance product as a policyholder. The exchange of information includes, for example, the insurer providing the operational status and the contractor notifying information such as an address change.

In recent years, highly investable insurance products such as life insurance denominated in foreign currencies have been sold. It is important for the contractor who purchased these products to understand the asset management status after purchasing the products. The insurer provides the policyholder with information on the asset management status of the products he sells. When a policyholder purchases each product from a plurality of different insurers, the policyholder will be provided with information on the asset management status from each of the plurality of insurers. At present, there is no mechanism to collectively provide this information to contractors.

The computer device according to one embodiment is a computer device including a control device, a storage device, and a communication device, and the storage device is an insurance that associates account information with insurance identification information about a corresponding insurance contract. The communication device stores the contract information, the communication device receives the insurance statement data, and the control device receives the insurance identification information corresponding to one or more insurance contracts corresponding to the account information from the insurance contract information. Is specified, insurance statement information about the one or more insurance contracts is acquired from the insurance statement data based on the insurance identification information, notification data including the insurance statement information is generated, and the communication device. Sends the notification data.

Further, the method executed by the computer device according to another embodiment is a method executed by the computer device, and the computer device associates the account information with the insurance identification information about the corresponding insurance contract. A step of receiving insurance statement data including a storage device for storing insurance contract information, and a step of identifying insurance identification information corresponding to one or more insurance contracts corresponding to the account information from the insurance contract information. , A step of acquiring insurance statement information about one or more insurance contracts from the insurance statement data based on the insurance identification information, a step of generating notification data including the insurance statement information, and the notification. It comprises a step of transmitting data.

According to the insurance information providing system according to the embodiment, the account holder can easily check the status of insurance contracts concluded with a plurality of different insurers.

It is a block diagram which shows the example of the overall structure of the insurance information provision system according to one Embodiment. It is a block diagram which shows the example of the detailed component of the insurance information provision system according to one Embodiment. It is a figure which shows the example of the insurance contract data table according to one Embodiment. It is a flowchart which shows the example of the insurance statement data file transmission / reception processing according to one Embodiment. It is a flowchart which shows the example of the insurance information provision processing according to one Embodiment. It is a figure which shows the example of the insurance contract list according to one Embodiment. It is a figure which shows the example of the profit and loss information list according to one Embodiment. It is a figure which shows the example of the exchange information list according to one Embodiment. It is a figure which shows the example of the product information list according to one Embodiment.

Hereinafter, the insurance information providing system 100 according to the embodiment will be described in detail with reference to the attached drawings. The insurance information providing system 100 provides the policyholder with information on insurance products sold through over-the-counter sales of a specific financial institution (bank, securities company, etc.). Specifically, the insurance information providing system 100 sends a notification e-mail to the e-mail address designated by the contractor with the information specified by the contractor. In the following embodiment, an example in which an insurance product is sold through bank sales will be described.

<Definition>
In this specification, the "policyholder" refers to a person who has an insurance contract with the insurer, and the "insured person" is insured as a target of insurance such as death insurance. Refers to those who are. The contractor and the insured person may be the same person. As used herein, the term "(insurance) beneficiary" refers to a person who is designated by the policyholder (or the legal heir of the insured if not specified) and who can receive insurance claims. The "account holder" refers to a person who opens an account at a bank described later and makes a deposit in the account. When the account holder purchases an insurance product sold by a bank, the account holder and the policyholder are the same person.

As used herein, the term "insurer" refers to a person who is obliged to collect insurance premiums and pay insurance claims in the event of an insurance accident, 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>
First, an example of the overall configuration of the insurance information providing system will be described with reference to FIG. The insurance information providing system 100 includes a server computer 1, server computers 2a, 2b ..., And 2n (hereinafter, "server computer 2"), and a client computer 3. The server computer 1, the server computer 2, and the client computer 3 are connected to each other via a network 4 (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 insurance contract information in which account information managed by a bank and insurance identification information (insurer number and securities number) are associated with each other. The server computer 1 also stores profit / loss information regarding insurance contracts sold by banks.

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 with / 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.

As mentioned above, banks and insurers may have a one-to-many relationship. In this case, each of the plurality of insurers implements the server computer 2. The server computer 2 implements a database management system (DBMS) and stores insurer management information regarding insurance contracts concluded by the insurer with the policyholder.

The client computer 3 is, for example, a computer device (information processing device) used by the contractor. That is, the client computer 3 is a computer device for displaying the notification data transmitted by 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.

Next, an example of detailed components of the server computer 1 and the server computer 2 will be described with reference to FIG.

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 of the above components 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 insurance information providing 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 4. 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. The control device 21, the memory 22, the storage device 23, and the communication device 24 function similarly to 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.

The client computer 3 is a general-purpose computer device that is generally used, and a detailed description of its configuration will be omitted. The client computer 3 implements at least a mailer function capable of sending, receiving, and displaying e-mail.

<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 stores the insurance contract information in which the account information related to the account held by the bank and the insurance identification information of the insurance product sold by the account holder of the account are associated with the insurance identification information. There is. The insurance contract data table 300 stores a data record (insurance contract data record) for each account.

As shown in FIG. 3, in the insurance contract data table 300, as data items, branch number 301, account number 302, insurance identification information 303 (insurance identification information a, b, and n), notification presence / absence 304, notification frequency 305, Includes the latest notification date 306, notification type 307, and simultaneous notification presence / absence 308.

For the branch number 301 and the account number 302, information for identifying the account held by the bank, that is, the account holder is set. In the present embodiment, the insurance contract data record is identified by the information set in the branch number 301 and the account number 302, but in addition to or instead of the information, the account holder is used for each insurance information providing system 100. An identification number uniquely assigned to may be used.

The insurance identification information 303 is set with information that identifies the insurance contract concluded by the account holder. This information includes an insurer number (a number that identifies the insurer who sells the insurance) and a security number (a number assigned to each insurance contract). The insurance identification information 303 includes information that identifies each of the n insurance contracts concluded by the account holder (insurance identification information a, b, and n).

For the notification presence / absence 304, a value indicating whether or not to notify profit / loss information or the like, which will be described later, is set. For example, the presence / absence of notification 304 is set to "0: no notification" or "1: with notification". The notification frequency 305 is set to a value indicating the frequency of notifying profit / loss information and the like. For example, the notification frequency 305 is set to "every 1: 1 month", "every 2: 3 months", "every 3: 6 months", or "every 4: 1 year". The latest notification date 306 is set to the date when the profit / loss information or the like is notified.

For the notification type 307, a value indicating the type of information related to the insurance contract to be notified to the policyholder is set. For example, in the notification type 307, 3-digit numerical information is set, and the 1st digit is "1: profit / loss information", the 2nd digit is "1: exchange information", and the 3rd digit is "1: product". Information "is set. For example, if the contract wishes to notify all types of information, the notification type 307 is set to "111". Based on the value set in the notification type 307, the contractor is notified of the information corresponding to the value.

The presence / absence of simultaneous notification 308 is set to a value indicating whether or not to notify a person designated by the contractor (for example, an insured person and / or a beneficiary) when notifying profit / loss information or the like. For example, “0: No notification” or “1: With notification” is set for the simultaneous notification presence / absence 308. When "1: With notification" is set, a notification email is sent to the email address of the computer device used by the insured or the like specified by the contractor, although not shown.

In each of the insurance contract data records, when the bank concludes an insurance contract with the policyholder, the bank representative inputs the necessary information from the computer device connected to the server computer 1 to obtain the information. It is transmitted to the server computer 1 and newly inserted into the insurance contract data table 300.

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 arbitrary 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 manages the target account information and the insurance contract in association with each other. can do.

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 about insurance contracts (eg, identified by securities number) and insurance contracts. Information about insurance contracts includes contract dates, maturity dates, premiums paid, reserves, surrender deductions, and insurance claims.

As described above, the server computer 2 may have a plurality of server computers 2 (server computers 2a, 2b, and 2n) each implemented by a plurality of different insurers. Therefore, the insurer management data table differs in the information and layout included in each of the server computers 2a, 2b, and 2n. At least, the server computer 2 can acquire the above-mentioned information regarding the insurance contract from the storage device 23 based on the securities number.

<Insurance statement data file transmission / reception processing>
Next, an example of the process executed by the insurance information providing system 100 according to the present embodiment will be described with reference to FIGS. 4 and 5. FIG. 4 is a flowchart showing an example of insurance statement data file transmission / reception processing. The insurance statement data file is a set of data relating to insurance policy details generated from the insurer management data table stored in each of the server computers 2 (server computers 2a, 2b, and 2n).

The server computers 2a, 2b, and 2n each generate an insurance statement data file and send it to the server computer 1, but the insurance statement data files generated by the server computers 2a, 2b, and 2n have a unified format, that is, , Have the same data structure.

In the present embodiment, the account holder X has an insurance contract A with the insurer a, an insurance contract B with the insurer b, and an insurer c through bank sales by the same bank Y. It is assumed that insurance contract C has been concluded between the two companies. It is assumed that the bank Y implements the server computer 1. Further, it is assumed that the insurer a implements the server computer 2a, and the insurers b and c also implement the server computers 2b and 2c, respectively.

Each of the server computers 2a to 2c may implement an independent computer system, in which case the system configuration and data structure (in the insurer management data table described above) are different, but at least among all insurance contracts. It shall be possible to identify the insurance contract sold by bank Y.

First, the control device 21 of the server computer 2a extracts all the data records (insurer management data records) related to the insurance contract sold by the bank Y from the insurer management data table (step S401). Next, the control device 21 generates an insurance statement data file containing information such as contract date, maturity date, paid premium, reserve fund, cancellation deduction, and insurance money from the extracted insurer management data table ( Step S402). When the insurance statement data file is generated, the communication device 24 transmits the insurance statement data file to the server computer 1 (step S403).

Similarly, in the server computer 2b, the control device 21 extracts the insurer management data record (step S404), generates an insurance statement data file from the extracted insurer management data record (step S405), and the communication device 24 sets the insurance statement. The data file is transmitted to the server computer 1 (step S406). Similarly, in the server computer 2c, the control device 21 extracts the insurer management data record (step S407), generates an insurance statement data file from the extracted insurer management data record (step S408), and the communication device 24 sets the insurance statement. The data file is transmitted to the server computer 1 (step S409).

The server computer 1 stores the insurance statement data file transmitted from the server computer 2a in step S403 in the storage device 13. The same applies to the insurance statement data file transmitted from the server computer 2b in step S406 and the insurance statement data file transmitted from the server computer 2c in step S409.

By the process of steps S401 to S409, the server computer 1 has insurance contract data relating to all the insurance contracts held by the insurers a to c and concluded with the policyholder through the bank sales by the bank Y. It will be. As described above, the server computers 2a to 2c have different data structures of the insurer management data table and the like, but the insurance statement data file transmitted to the server computer 1 has the same data structure. That is, each of the server computers 2a to 2c generates an insurance statement data file according to a predetermined data structure.

The steps S401 to S403 in the server computer 2a are executed at a predetermined frequency (for example, once a month) and timing. The frequency and timing of executing steps S404 to S406 in the server computer 2b and the frequency and timing of executing steps S407 to S409 in the server computer 2c are also the same.

<Insurance information provision processing>
Next, an example of the insurance information providing process according to the present embodiment will be described with reference to the flowchart of FIG. The process shown in FIG. 5 is executed at a predetermined frequency and timing, but in the present embodiment, it is assumed that the process is executed once a month at a predetermined timing.

First, the control device 11 of the server computer 1 extracts a data record (insurance contract data record) in which “1: with notification” is set in the notification presence / absence 304 from the insurance contract data table 300 (step S501). Next, the control device 11 is the timing to notify the insurance information when this step is executed based on the values set in the notification frequency 305 and the latest notification date 306 from the extracted insurance contract data record. The insurance contract data record is determined (step S502). In the process of step S502, for example, an insurance contract data record satisfying the following conditions is determined.
-Notification frequency 305 is set to "1: 1 every month",
-The notification frequency 305 is set to "2: 3 months" and the latest notification date 306 is set to + 3 months => the date when step S502 is executed, or-The notification frequency 305 is set to "3: 6 months". Is set and the date set as the latest notification date 306 + 6 months => the date when step S502 is executed.

Next, the control device 11 stores the insurance statement data file stored in the storage device 13 based on the insurer number and the securities number set in the insurance identification information 303 for each insurance contract data record determined in step S502. From, the insurance statement data corresponding to the insurer number and the securities number is acquired (step S503). That is, the control device 11 identifies the insurance identification information corresponding to one or a plurality of insurance contracts corresponding to the account information included in the insurance contract data record, and acquires the corresponding insurance statement data based on the insurance identification information. do

As described above, the account holder X concludes an insurance contract A with the insurer a, an insurance contract B with the insurer b, and an insurance contract C with the insurer c. There is. Therefore, for the insurance statement data record corresponding to the account holder X, the insurance statement data corresponding to the insurance contract A is acquired from the insurance statement data file transmitted by the server computer 2a. Similarly, the insurance statement data corresponding to the insurance contract B is acquired from the insurance statement data file transmitted by the server computer 2b, and the insurance statement data corresponding to the insurance contract C is obtained from the insurance statement data file transmitted by the server computer 2c. To be acquired.

Next, the control device 11 generates notification data based on the insurance contract data record determined in step S502 and the insurance statement data acquired in step S503 (step S504). Notification data is data displayed in the form of an email, including insurance statement information for one or more insurance contracts corresponding to one account. The insurance statement information includes profit and loss information, exchange information, and product information, as well as a list of insurance contracts. The profit / loss information, the exchange information, and the product information are included in the notification data corresponding to the values set in the notification type 307 of the insurance contract data record.

When the notification data is generated, the communication device 14 transmits the notification data to the designated e-mail address (step S505). Further, when "1: Notified" is set in the simultaneous notification presence / absence 308 of the insurance contract data record, the communication device 14 also transmits the notification data to the corresponding e-mail address (e-mail). Upon receiving the notification data, the account holder can refer to the notification data by using the mailer function of the client computer 3.

FIG. 6 shows an insurance contract list 600 included in the notification data. The example shown in FIG. 6 shows a list including insurance contracts A to C concluded by the account holder X. The insurance contract list 600 includes the product name 601, the insurance type 602, the securities number 603, the contract date 604, the maturity date 605, the currency 606, the premium paid 607, the reserve fund 608, and the insurance money 609 as data items. For these data items, the corresponding data included in the insurance statement data file is set.

As shown in FIG. 6, the insurance contract list 600 shows the maturity dates of all insurance contracts in a list format even when the account holder has concluded a plurality of insurance contracts from a plurality of different insurers. With this configuration, the account holder (policyholder) can check the status of the insurance contract that he / she has concluded on a regular basis.

FIG. 7 shows a profit and loss information list 700 included in the notification data. The example shown in FIG. 7 shows the profit and loss information of the insurance contract corresponding to the insurance contract list 600. The information contained in the insurance statement data file is only information such as reserve funds, and does not include refunds and profit / loss amounts returned when the policyholder cancels the insurance contract. In the present embodiment, the control device 11 calculates the profit / loss amount and the like based on the information included in the insurance statement data file, and includes the profit / loss information list 700.

The profit / loss information list 700 includes the reserve fund 701, the cancellation deduction 702, the cancellation refund 703, and the profit / loss at the time of cancellation 704 as data items. The reserve fund 701 and the cancellation deduction 702 are set with the corresponding data included in the insurance statement data file. The surrender value 703 is set to a value indicating the amount to be returned to the policyholder when the policyholder cancels the insurance contract as of the record date. Specifically, an amount is set by adding the value set in the cancellation deduction 702 to the value set in the reserve fund 701. The profit / loss at the time of cancellation 704 is set to a value indicating the amount of profit / loss when the policyholder cancels the insurance contract as of the record date. Specifically, the amount obtained by subtracting the reserve fund 701 from the value set in the surrender value 703 is set. The reference date refers to the date on which this step is executed, but may be any date that serves as a reference for calculating the above-mentioned amount.

As shown in FIG. 7, the profit / loss information list 700 shows in a list format how much profit / loss will be generated for all insurance contracts when the account holder cancels the insurance contract. With this configuration, the account holder can check the profit and loss status of the insurance contract that he / she has concluded on a regular basis.

FIG. 8 shows the exchange information list 800 included in the notification data. The example shown in FIG. 8 shows the exchange information of the insurance contract corresponding to the insurance contract list 600. If the insurance contract is foreign currency-denominated insurance, the amount of reserves included in the insurance statement data file is set based on the corresponding foreign currency. In the present embodiment, the control device 11 calculates the profit / loss amount based on the Japanese yen based on the information included in the insurance statement data file, and includes it in the exchange information list 800.

The exchange information list 800 includes the exchange rate 801 at the time of insurance purchase, the exchange rate 802 as of the record date, and the profit / loss 803 at the time of cancellation on a yen basis. The exchange rate 801 at the time of purchasing the insurance is set to the value of the exchange rate at the time of purchasing the insurance. The insurance statement data file contains information that identifies the currency if the insurance policy in question is denominated in a foreign currency. The insurance purchase time exchange rate 801 is set with the exchange information between the corresponding currency and the yen as of the date set on the contract date 604 (see FIG. 6). For the exchange rate 802 as of the base date, the value of the exchange rate as of the base date is set. The yen-based surrender value 803 is calculated by multiplying the value set in the surrender value 703 (see Fig. 7) by the value set in the exchange rate 802 as of the record date, and from that value, the premium paid 607 (Fig. 7). The amount set in 6) is multiplied by the value set in the insurance purchase time exchange rate 801 and subtracted.

As shown in FIG. 8, the exchange information list 800 shows in a list format how much profit or loss will be generated for all insurance contracts when the account holder cancels the insurance contracts denominated in foreign currencies. With this configuration, the account holder can regularly check the status of profit and loss in consideration of the exchange rate of the insurance contract that he / she has concluded.

FIG. 9 shows a product information list 900 included in the notification data. The example shown in FIG. 9 shows the product information of the insurance contract corresponding to the insurance contract list 600. The product information list 900 shows product information of the relevant insurance contract (for example, how to receive annuity, precautions regarding benefits, etc.). For this information, the corresponding data included in the insurance statement data file is set. Further, the image data of the product brochure may be stored in the storage device 13 for each corresponding insurance contract, and the image data may be included in the notification data.

As shown in FIG. 9, the product information list 900 shows product information corresponding to the insurance contract concluded by the account holder. With this configuration, the account holder can regularly check the precautions of the insurance contract that he / she has concluded.

As described above, an example of the insurance information providing system 100 according to the present embodiment has been described. According to the insurance information providing system 100 described above, the account holder can regularly and easily grasp information about a plurality of insurance contracts concluded through bank sales.

The above-mentioned information included in the notification data is merely an example, and arbitrary information regarding the relevant insurance contract may be included in the notification data. For example, contact information such as the insured and / or beneficiary's address and telephone number may be included in the notification data. In this case, the insurance statement data file transmitted from the server computer 2 also includes the contact information of the insured person and / or the beneficiary. If the insured and / or beneficiary's address changes, the insurer may not be notified of that fact. Including contact information of the insured and / or the beneficiary in the notification data sent on a regular basis can motivate the policyholder to notify the insurer that the contact information, such as the insured, has changed. ..

Further, in the embodiment described above, an example in which notification data is transmitted in the form of an e-mail is shown, but the present invention is not limited to such an example. For example, the server computer 1 may send notification data to the client computer 3 in response to the client computer 3 (of the account holder) accessing a specific website and transmitting the request message.

Further, in the embodiment described above, an example in which an insurance product is sold through a bank window is shown, but the present invention is not limited to such an example. For example, the above embodiment may be applied not only to a bank but also to an example in which an insurance product is sold through a window of a specific financial institution such as a securities company and a trust company.

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 processing described in the above 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 insurance information providing 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 and the client computer 3. 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 versatile discs (DVDs).

1 Server computer 2 Server computer 2a Server computer 2b Server computer 2n Server computer 3 Client computer 4 Network 100 Insurance information provision system

Claims (10)

A computer device including a control device, a storage device, and a communication device, the storage device stores insurance contract information in which account information is associated with insurance identification information about a corresponding insurance contract.
The communication device receives the insurance statement data and receives the insurance statement data.
The control device is
From the insurance contract information, the insurance identification information corresponding to one or more insurance contracts corresponding to the account information is specified, and the insurance identification information is specified.
From the insurance statement data, based on the insurance identification information, the insurance statement information for the one or more insurance contracts is acquired, and the insurance statement information is acquired.
Generate notification data including the insurance statement information
The communication device transmits the notification data.
A computer device that features that. The computer device according to claim 1, wherein the insurance statement information includes profit and loss information about the one or more insurance contracts. The computer device according to claim 2, wherein the control device calculates a surrender value based on the insurance statement data and includes the surrender value in the profit and loss information. The computer according to claim 3, wherein the control device calculates a profit / loss at the time of cancellation based on the insurance statement data and the refund at the time of cancellation, and includes the profit / loss at the time of cancellation in the profit / loss information. device. Any of claims 1 to 4, wherein the insurance statement information includes exchange information for the one or more insurance contracts, and the one or more insurance contracts correspond to foreign currency-denominated insurance. The computer device described in one item. The control device calculates the exchange rate at the time of insurance purchase and the exchange rate at the base date based on the insurance statement data, and the yen-based cancellation profit / loss based on the exchange rate at the time of insurance purchase and the exchange rate at the base date. The computer device according to claim 5, wherein the yen-based cancellation profit / loss is included in the exchange information. The computer device according to any one of claims 1 to 6, wherein the insurance statement information includes product information about the one or more insurance contracts. The communication device receives the first insurance statement data from the first computer device, the second insurance statement data from the second computer device, the first insurance statement data and the second insurance. The computer device according to any one of claims 1 to 7, wherein the detailed data has the same data structure. A method performed by a computer device, said computer device, comprising a storage device that stores insurance contract information associated with account information and insurance identification information for the corresponding insurance contract.
Steps to receive insurance statement data and
From the insurance contract information, a step of identifying insurance identification information corresponding to one or more insurance contracts corresponding to the account information, and
A step of acquiring insurance statement information for one or more insurance contracts from the insurance statement data based on the insurance identification information.
The step of generating notification data including the insurance statement information and
The step of transmitting the notification data and
A method characterized by being equipped with. A computer program comprising a computer executable instruction, wherein the computer executable instruction causes the computer device to execute the method according to claim 9, when executed by the computer device.

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