JP2022124086A - Information processing method, information processing device and program - Google Patents

Abstract

To provide an information processing method or the like capable of supporting development business of an insurance product.SOLUTION: A computer acquires a plurality of input information inputted for each of a plurality of input items required for a procedure related to insurance. Moreover, the computer converts a plurality of acquired input information into numerical values of the same scale according to a conversion rule corresponding to a type of each input information. Then, the computer calculates an amount of money related to the insurance from the numerical values of the respective converted input items based on a table on which an input item used for calculating the amount of money relating to the insurance, the numerical value of each input item, and information used for calculating the amount of money corresponding to each numerical value are associated with each other.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to an information processing method, an information processing device, and a program.

When making a contract for an insurance product, or when making a claim for an insurance claim or benefit for a contracted insurance, user information is entered for multiple input items, and based on the entered information, insurance premiums, Claims or benefits are calculated. In Patent Document 1, user information is received via a network, and based on the received information, contract details are estimated (determined) and re-estimated (determined again), thereby supporting insurance product sales operations. A technique for doing so is disclosed. With the technology disclosed in Patent Document 1, an insurance salesperson can obtain an estimation result or a re-estimation result of contract contents by inputting user information using a terminal carried by an insurance salesperson, for example. As a result, it is possible to quickly re-estimate the insurance contract, for example, even if there is a change in the insurance details at the business destination.

Japanese Patent Application Laid-Open No. 2002-222319

User information necessary for calculating insurance premiums, insurance claims, or benefits includes various types of information, such as gender and date of birth. For example, in the case of automobile insurance, information such as the manufacturer name, vehicle type, and model of the automobile covered by the insurance is also included. Since insurance premiums, insurance benefits, or benefits are calculated from a plurality of information of different types in this way, the calculation rules required for calculation become very complicated. Since the calculation rule differs for each insurance product, it is necessary to prepare for each insurance product. Therefore, it is desired to simplify the system for calculating insurance premiums, insurance claims, or benefits, and reduce the burden of developing insurance products. Note that the technology disclosed in Patent Document 1 does not simplify the system required to calculate insurance premiums, insurance claims, or benefits.

The present disclosure has been made in view of such circumstances, and the purpose thereof is to provide an information processing method and the like capable of supporting the development work of insurance products.

An information processing method according to an aspect of the present disclosure acquires a plurality of pieces of input information that have been input for each of a plurality of input items required for insurance-related procedures, and classifies the plurality of pieces of input information into according to the conversion rule according to the above, and associates the input items used for calculating the amount of money related to the insurance, the numerical values of the input items, and the information used for calculating the amount according to the numerical values. Based on the table, the computer executes the process of calculating the amount of money from the converted numerical value of each input item.

In one aspect of the present disclosure, it is possible to support insurance product development work.

1 is a schematic diagram showing a configuration example of an information processing system; FIG. It is a block diagram which shows the internal structural example of the server for input form production|generation. FIG. 4 is a schematic diagram showing a configuration example of a table stored in an input form generation server; It is a block diagram which shows the internal structural example of the server for insurance estimates. FIG. 4 is a schematic diagram showing a configuration example of a table stored in an insurance quotation server; FIG. 4 is a schematic diagram showing a configuration example of a table stored in an insurance quotation server; 3 is a block diagram showing an internal configuration example of a terminal for an insurance company and a terminal for a policyholder; FIG. It is a flow chart which shows an example of an input form generation processing procedure. It is a flow chart which shows an example of an input form generation processing procedure. It is a schematic diagram which shows an example of a screen. It is a schematic diagram which shows an example of a screen. It is a schematic diagram which shows an example of a screen. FIG. 10 is a schematic diagram showing an example of an editing screen when generating an insurance claim input form; It is a flowchart which shows an example of the estimation processing procedure of an insurance premium. It is a schematic diagram which shows an example of a screen.

An information processing method, an information processing apparatus, and a program according to the present disclosure will be described below based on drawings showing embodiments thereof.

An information processing system for supporting the operations of an insurance company that sells insurance products will be described. In the information processing system of the present embodiment, an input form is generated for inputting user information required when performing insurance-related procedures, such as applying for an insurance contract, claiming money related to insurance such as insurance claims or benefits. It is possible to support the work to be done. Further, in the information processing system of the present embodiment, the operation of calculating the monetary amount (estimated amount) related to insurance, such as insurance premiums, insurance claims, or benefits, from user information input via the generated input form. It is possible to support Note that, hereinafter, insurance claims and benefits may be collectively referred to as insurance claims.

FIG. 1 is a schematic diagram showing a configuration example of an information processing system. The information processing system of this embodiment includes an input form generation server 10, an insurance quotation server 20, an insurance company terminal 30, a policyholder terminal 40, etc. These devices are connected to a network N such as the Internet. , the network N can transmit and receive information. The input form generation server 10 and the insurance quotation server 20 are, for example, servers of a company that supports the business of an insurance company, but they may be servers of the insurance company. Also, the input form generation server 10 and the insurance estimate server 20 may be composed of one server, but in the present embodiment, they are described as separate servers for the sake of clarity.

The input form generation server 10 and the insurance estimate server 20 are information processing devices capable of various information processing and transmission/reception of information, and are configured using, for example, server computers or personal computers. Each of the input form generation server 10 and the insurance quotation server 20 may be provided with a plurality of servers for distributed processing. may be implemented using The insurance company terminal 30 is a terminal of an insurance company that develops and sells insurance products, and a plurality of terminals may be provided. The policyholder terminal 40 is a terminal for a user who is considering a contract for insurance, a user who has completed a contract for insurance, or the like, and a plurality of terminals are provided. Note that, in the present embodiment, a user who is considering a contract and a user who has completed a contract are collectively referred to as a contractor. Each of the insurance company terminal 30 and the policyholder terminal 40 is configured using an information processing device such as a personal computer, a tablet terminal, or a smart phone, but may be configured by a dedicated terminal.

In the information processing system of the present embodiment, the person in charge of the insurance company accesses the input form generation server 10 using the insurance company terminal 30, and uses the service provided by the input form generation server 10 to It is possible to generate an input form for inputting user (contractor) information required when performing insurance-related procedures such as applying for a contract, requesting an estimate of insurance premiums or insurance claims, and claiming insurance claims. In addition, the policyholder accesses the insurance estimation server 20 using the policyholder terminal 40, uses the service provided by the insurance estimation server 20, and estimates the money (insurance premiums, insurance claims) related to insurance. amount can be obtained. A person in charge of an insurance company can also use the insurance company terminal 30 to use the service provided by the insurance estimation server 20, and can receive an estimate of money related to insurance from the insurance estimation server 20. can be obtained.

FIG. 2 is a block diagram showing an example of the internal configuration of the input form generating server 10. As shown in FIG. The input form generation server 10 includes a control section 11, a storage section 12, a communication section 13, an input section 14, a display section 15, a reading section 16, etc. These sections are interconnected via a bus. The control unit 11 has one or more processors such as a CPU (Central Processing Unit), an MPU (Micro-Processing Unit), or a GPU (Graphics Processing Unit). The control unit 11 appropriately executes the control program 12P stored in the storage unit 12 to perform various information processing and control processing that the input form generation server 10 should perform. The storage unit 12 includes a RAM (Random Access Memory), flash memory, hard disk, SSD (Solid State Drive), and the like. The storage unit 12 stores in advance a control program 12P executed by the control unit 11 and various data necessary for executing the control program 12P. The storage unit 12 also temporarily stores data and the like generated when the control unit 11 executes the control program 12P. The input form generation server 10 functions as a web server, and the storage unit 12 stores an input form generation site 12S for supporting the input form generation process. Further, the storage unit 12 stores an item table 12a, a validator table 12b, an input column table 12c, etc., which will be described later, and these tables are used for input form generation processing. The item table 12a, the validator table 12b, and the input column table 12c may be stored in another storage device connected to the input form generation server 10, and other storage device with which the input form generation server 10 can communicate. may be stored in

The communication unit 13 is a communication module for connecting to the network N by wired communication or wireless communication, and transmits and receives information to and from other devices via the network N. The input unit 14 receives an operation input by the user and sends a control signal corresponding to the content of the operation to the control unit 11 . The display unit 15 is a liquid crystal display, an organic EL display, or the like, and displays various information according to instructions from the control unit 11 . The input unit 14 and the display unit 15 may be a touch panel integrally configured.

The reading unit 16 reads information stored in a portable storage medium 1a including CD (Compact Disc)-ROM, DVD (Digital Versatile Disc)-ROM, USB (Universal Serial Bus) memory, SD (Secure Digital) card, etc. read. The control program 12</b>P and various data stored in the storage unit 12 may be read from the portable storage medium 1 a by the control unit 11 via the reading unit 16 and stored in the storage unit 12 . Also, the control program 12P and various data stored in the storage unit 12 may be downloaded from another device by the control unit 11 via the communication unit 13 and stored in the storage unit 12 .

FIG. 3 is a schematic diagram showing a configuration example of tables 12a to 12c stored in the input form generation server 10. As shown in FIG. 3A shows the item table 12a, FIG. 3B shows the validator table 12b, and FIG. 3C shows the input field table 12c. The item table 12a stores information on items prepared in advance as input items used in the input form. The item table 12a shown in FIG. 3A includes an item ID column, an item name column, an information type column, an input column type column, and the like, and stores information of each item in association with the item ID. The item ID column stores identification information (item ID) prepared in advance for identifying each item, and the item name column stores the name given to each item. The information type column stores the type of information input as each item, specifically, an identifier indicating the type of information. The input field type column stores the type of the input field in which the information of each item is input, specifically, the identification information (type name) assigned to the type of the input field. The item ID stored in the item table 12a is issued and stored by the control unit 11 when the information of each item is registered. Other information (information of each item) stored in the item table 12a is stored by the control unit 11 when the control unit 11 acquires it via the input unit 14, for example. The information of each item may be changeable, and is changed by the control unit 11 when the control unit 11 acquires a change instruction via the input unit 14, for example. With the above-described configuration, the item table 12a stores, for each input item, the item name, the type of information to be input, and the type of input field for receiving input of information in association with each other. The item table 12a is not limited to the configuration shown in FIG. 3A as long as the type of information corresponding to each item and the type of input field are registered.

The validator table 12b stores identifiers indicating types of information in association with validator data set for each identifier (each type). Validator data is a function for realizing the validation function, and is set in advance for each type of information. Validator data defines, for example, the number of characters that can be entered for an input item, the range of numeric values that can be entered, etc., and also converts the input information entered for the input item into the second input information It defines conversion rules (conversion rules, information conversion rules). For example, when a date is entered for the date of birth input item, the information on the entered date is the current age or the age at a predetermined date (for example, the scheduled date of insurance contract) (second information) can be defined.

The input field table 12c stores various input fields and identification information (type) assigned to each input field in association with each other. Input fields are, for example, input fields for entering dates, input fields for entering names (first and last names), input fields for entering phone numbers, input fields for entering addresses, gender , an input field for inputting the type of illness or injury, an input field for inputting the name of an injury, etc., for inputting various information. Each of these entry fields is composed of a text form for entering text data, a radio button for selecting any one from multiple options, an image form for updating images, etc., depending on the type of information to be entered. ing. In the input form generating server 10 of the present embodiment, validator data and input fields corresponding to each input item are prepared by the item table 12a, the validator table 12b, and the input field table 12c configured as described above. will be set.

FIG. 4 is a block diagram showing an example of the internal configuration of the insurance quotation server 20. As shown in FIG. The insurance quotation server 20 includes a control section 21, a storage section 22, a communication section 23, an input section 24, a display section 25, a reading section 26, etc. These sections are interconnected via a bus. The control unit 21, the storage unit 22, the communication unit 23, the input unit 24, the display unit 25, and the reading unit 26 of the insurance quotation server 20 are respectively the control unit 11 and the storage unit of the input form generation server 10 shown in FIG. 12, the communication unit 13, the input unit 14, the display unit 15, and the reading unit 16, so detailed description thereof will be omitted. In addition to the control program 22P executed by the control unit 21, the storage unit 22 of the insurance estimate server 20 also includes an application for insurance contract, a claim for money related to contracted insurance, and calculation (estimate) of money related to insurance. The insurance site 22S for performing such as is stored. The storage unit 22 also stores a product information table 22a, a key information conversion table 22b, an insurance premium calculation table 22c, an insurance claim calculation table 22d, an insurance contract input form 22e, an insurance claim input form 22f, and the like, which will be described later. These tables and input forms are used for calculating (estimating) the amount of money related to insurance, such as insurance premiums and claims. The insurance contract input form 22e and the insurance claim input form 22f are input forms generated for each insurance product using the input form generation site 12S provided by the input form generation server 10. FIG.

5 and 6 are schematic diagrams showing configuration examples of tables 22a to 22d stored in the insurance estimate server 20. FIG. 5A shows a product information table 22a, FIG. 5B shows a key information conversion table 22b, FIG. 6A shows an insurance premium calculation table 22c, and FIG. 6B shows an insurance payment calculation table 22d. The product information table 22a stores information on insurance products handled by the insurance estimation server 20, specifically information on insurance products for which the insurance estimation server 20 can calculate the amounts of insurance premiums and insurance claims. The product information table 22a shown in FIG. 5A includes a product ID column, a product name column, a product information column, etc., and stores information on each insurance product in association with the product ID. The product ID column stores identification information (product ID) assigned to each insurance product, and the product name column stores the name given to each insurance product. The product information column stores various kinds of information such as explanatory information about each insurance product, information (sales conditions) about sales targets (users who can contract), and the like.

The key information conversion table 22b is conversion information ( conversion rule, scale conversion rule). The key information conversion table 22b is provided for each type of information. For example, in the case of information whose type is birthday (date of birth), the age calculated from the input date of birth is divided into each age (age group) of 20 to 24, 25 to 29, 30 to 34, ... Key information of 1, 2, 3, . . . is assigned to them. Further, in the case of information whose type is gender, key information 1 and 2 are assigned to each of male and female. Also, in the case of information whose type is address, for example, key information 1, 2, 3, . Furthermore, in the case of information whose type is illnessName (name of injury or disease), key information 1, 2, 3, . The key information assigned to each type of information in this way is a numerical value of the same scale, and by converting each information into such key information, it is possible to handle different types of information on the same scale (dimension). becomes possible. In this embodiment, the key information conversion table 22b shown in FIG. 5B is used to convert each piece of information on the policyholder into key information (numerical values) on the same scale, and the converted key information is used to calculate insurance premiums or claims. is done. Note that the key information assigned to each piece of information in the key information conversion table 22b is not limited to the example shown in FIG. , and key information 1, 2, . . . may be assigned to each postal code. Also, the key information conversion table 22b may be set for each insurance product, and in this case, a product ID is assigned to each key information conversion table 22b.

The insurance premium calculation table 22c stores information (calculation rules) for calculating insurance premiums from key information obtained by converting policyholder information based on the key information conversion table 22b. The insurance premium calculation table 22c is provided for each insurance product, and each insurance premium calculation table 22c is given the product ID of the insurance product. The insurance premium calculation table 22c stores the basic insurance premium, The insurance premium of special contract A, the insurance premium of special contract B, etc. are stored in association with each other. Note that riders A and B are option contracts that can be contracted in conjunction with the insurance contract. In the insurance premium calculation table 22c shown in FIG. 6A, key information converted from the sex of the policyholder, key information converted from the date of birth of the policyholder (specifically, age calculated from the date of birth), A charge used for calculating the insurance premium is registered in association with each combination of key information converted from the address (prefecture) of the policyholder. For example, for a contractor whose gender key information is 1 (sex is male), whose date of birth key information is 1 (age between 20 and 24 years old), and whose address key information is 1 (address is Hokkaido) , 1000 as the basic premium, 100 as the premium for the special contract A, and 0 as the premium for the special contract B are registered. By using such an insurance premium calculation table 22c, the insurance premium can be calculated based on each information of the policyholder (key information converted from each information). The insurance premium calculation table 22c registers insurance premiums corresponding to insurance premium payment methods such as monthly payment, semi-annual payment, and annual payment. Further, the insurance premiums registered in the insurance premium calculation table 22c are, in addition to the amounts, for example, basic insurance premiums, special insurance premiums, or a ratio (for example, 0.9 times, 1.1 times, etc.), information used for calculating insurance premiums may be registered. Therefore, the insurance premium is calculated by adding each insurance premium set in the insurance premium calculation table 22c or by multiplying the set ratio. The insurance premium calculation table 22c having such a configuration can be used as an amount calculation engine for calculating the insurance premium amount from the policyholder information.

The insurance money calculation table 22d stores information (calculation rules) for calculating insurance money from the key information obtained by converting the policyholder information based on the key information conversion table 22b. The insurance money calculation table 22d is provided for each insurance product, and the product ID of the insurance product is assigned to each insurance money calculation table 22d. The insurance payment calculation table 22d has the same configuration as the insurance premium calculation table 22c. Specifically, the insurance claim calculation table 22d is a combination of key information (each numerical value of 1, 2, . , basic insurance money (basic fee), insurance money from special contract A (special contract fee), insurance money from special contract B (special contract fee), etc. are stored in association with each other. In the insurance payment calculation table 22d shown in FIG. 6B, each combination of key information converted from the policyholder's gender, key information converted from the policyholder's date of birth, and key information converted from the policyholder's disease name are registered in association with the charges used for calculating insurance claims. For example, for a contractor whose gender key information is 1 (sex is male), date of birth key information is 1 (age is 20 to 24), and disease name key information is 1 (injury name is fracture) On the other hand, 10000 is registered as the basic insurance amount, 1000 as the insurance amount due to the special contract A, and 0 to 1000 as the insurance amount due to the special contract B. By using such an insurance payment calculation table 22d, the insurance payment can be calculated based on each information of the policyholder (key information converted from each information). It should be noted that the insurance money may be set to a predetermined amount like the basic insurance money and the insurance money due to the rider A in FIG. ) may be set. The insurance money calculation table 22d having such a configuration can be used as an amount calculation engine for calculating the amount of the insurance money (insurance money frame) from the policyholder information.

The insurance contract input form 22e and the insurance claim input form 22f are prepared for each insurance product, and the insurance contract input form 22e and the insurance claim input form 22f are given the product ID of the insurance product. ing. After the insurance contract input form 22e and the insurance claim input form 22f are generated using the input form generation site 12S provided by the input form generation server 10, the insurance estimate is sent via the network N or the portable storage medium 2a. is downloaded to the server 20 for use.

FIG. 7 is a block diagram showing an internal configuration example of the insurance company terminal 30 and the policyholder terminal 40. As shown in FIG. The insurance company terminal 30 includes a control section 31, a storage section 32, a communication section 33, an input section 34, a display section 35, etc., and these sections are interconnected via a bus. The control unit 31, the storage unit 32, the communication unit 33, the input unit 34, and the display unit 35 of the insurance company terminal 30 are respectively the control unit 11, the storage unit 12, and the communication unit of the input form generation server 10 shown in FIG. 13, the input unit 14, and the display unit 15, detailed description thereof will be omitted. In addition to the control program 32P executed by the control unit 31, the storage unit 32 of the insurance company terminal 30 stores a browser 32AP for accessing the web server via the network N and browsing the website. there is Since the policyholder terminal 40 has the same configuration as the insurance company terminal 30, the description thereof is omitted.

Processing for generating an insurance policy input form using the insurance company terminal 30 via the input form generation site 12S provided by the input form generation server 10 will be described below. 8 and 9 are flowcharts showing an example of an input form generation processing procedure, and FIGS. 10 to 12 are schematic diagrams showing examples of screens. 8 and 9, the processing performed by the insurance company terminal 30 is shown on the left side, and the processing performed by the input form generation server 10 is shown on the right side. The following processing is performed by the control unit 31 of the insurance company terminal 30 according to the control program 32P and the browser 32AP stored in the storage unit 32, and the control unit 11 of the input form generation server 10 stores in the storage unit 12. This is done according to a certain control program 12P.

When generating an insurance contract input form, a person in charge of the insurance company uses the insurance company terminal 30 to access the input form generation site 12S of the input form generation server 10 . When receiving an access instruction to the input form generation site 12S via the input unit 34, the control unit 31 of the insurance company terminal 30 accesses the input form generation site 12S via the network N (S11). When accessed from the insurance company terminal 30, the control unit 11 of the input form generation server 10 transmits the initial screen of the input form generation site 12S to the insurance company terminal 30 (S12). FIG. 10A shows an example of the initial screen, and the initial screen shown in FIG. 10A displays 0 as the number of set input items (question items). The initial screen also has an item addition button for instructing addition of a new input item, and a save button for instructing saving of the input form with the set input items.

When receiving the initial screen from the input form generating server 10, the control section 31 of the insurance company terminal 30 displays the received initial screen on the display section 35 (S13). On the initial screen, the person in charge of the insurance company operates the item addition button via the input unit 34 . Therefore, the control unit 31 determines whether or not the item addition button has been operated (S14), and if it determines that the item addition button has not been operated (S14: NO), it waits until it is operated. When determining that the item addition button has been operated (S14: YES), the control unit 31 requests the input form generation server 10 to add an item (S15). Specifically, the control unit 31 transmits request information requesting addition of an item to the input form generation server 10 .

When the addition of items is requested from the insurance company terminal 30, the control unit 11 of the input form generation server 10 transmits an item selection screen for selecting input items to the insurance company terminal 30 (S16). FIG. 10B shows an example of an item selection screen, and the item selection screen shown in FIG. 10B displays selection buttons for selecting each of a plurality of input items prepared in advance. In the example shown in FIG. 10B, selection buttons are displayed for selecting input items with item names such as name, name (furigana), date of birth, telephone number, gender, and address. In addition, on the item selection screen shown in FIG. 10B, a date input field, an image input field, a text data input field, a radio button input field, etc. are associated as input items without item names. A selection button is displayed that allows you to select the input item that is available.

When receiving the item selection screen from the input form generation server 10, the control unit 31 of the insurance company terminal 30 displays the received item selection screen on the display unit 35 (S17). For example, the control unit 31 displays the item selection screen superimposed on the initial screen displayed in step S13. On the item selection screen, the person in charge of the insurance company operates any selection button via the input unit 34 to select (specify) the input items to be included in the insurance contract input form. The control unit 31 determines whether or not any of the selection buttons has been operated to select an input item (S18). Wait until is selected. If it is determined that any input item has been selected (S18: YES), the control section 31 transmits item information indicating the selected input item to the input form generation server 10 (S19). For example, if the input item has an item name, the control unit 31 transmits the item name of the selected input item to the input form generation server 10, and if the input item does not have an item name, , the item ID assigned to the selected input item or the type (identifier) of the input information is transmitted to the input form generation server 10 . The information that the control unit 31 transmits to the input form generation server 10 may be information other than the item name, item ID, or type of input information as long as it can identify each input item.

The control unit 11 (accepting unit) of the input form generating server 10 receives the item information of the input items selected by the insurance company terminal 30, thereby accepting designation of the input items necessary for the insurance contract. Then, the control unit 11 identifies the type of information associated with the input item selected by the insurance company terminal 30 and the type of the input field from the contents stored in the item table 12a (S20). . Here, the control unit 11 identifies the input item corresponding to the item information received from the insurance company terminal 30 from the item name, item ID, or type of input information stored in the item table 12a, and Identify the type of information and the type of input field corresponding to the item. Further, the control unit 11 reads validator data corresponding to the identified information type from the validator table 12b, and reads input fields corresponding to the input field types from the input field table 12c. Then, the control unit 11 transmits information (input item information) including validator data and input fields corresponding to the input items to the insurance company terminal 30 (S21).

When the information on the selected input item is received from the input form generation server 10, the control unit 31 of the insurance company terminal 30 generates an edit screen as shown in FIG. 11A and displays it on the display unit 35 (S22). ). FIG. 11A shows an example of an edit screen when the name input item is selected via the item selection screen. it's shown. Also, on the edit screen shown in FIG. 11A, for the selected input item (question content), an identifier C1 (specifically, name) indicating the type (name) and validator data C2 assigned to the name are displayed. is displayed. The edit screen also has an input field C3 for a question message (label) to be displayed in association with this input item. In FIG. 11A, "no label" indicating that no question message has been entered is displayed in the entry field C3. Further, on the edit screen, a name input field C4 is displayed as a screen (question preview) for displaying a preview of the input form. Since no question message is entered in the input field C3 on the edit screen shown in FIG. 11A, the "name" of the identifier C1 is displayed as it is as the question message in the question preview. The input field C3 for the question message is configured so that text data can be input, and the person in charge inputs the question message in the input field C3 as necessary.

The control unit 31 accepts input of a question message to the input column C3 via the input unit 34, and displays the accepted question message in the input column C3 (S23). FIG. 11B shows an edit screen when the question message "Please enter your name" is entered in the input field C3 on the edit screen shown in FIG. 11A. When a question message is entered in the input field C3, the control unit 31 displays and updates the entered question message in the question preview on the editing screen (S24). Specifically, in the question preview, the question message input through the input field C3 and the input field C4 for the input item (here, name) are displayed in association with each other. On the editing screen, not only can a question message be entered in the entry field C3, but validator data is also displayed in an editable manner. As a result, the number of characters that can be entered, the range of numeric values that can be entered, the conversion rule, etc. defined for each input item by the validator data can be changed as appropriate.

The control unit 31 determines whether or not the save button has been operated on the edit screen (S25), and if it determines that the save button has not been operated (S25: NO), the process returns to step S14. That is, when the control unit 31 determines that the save button has not been operated on the edit screen shown in FIG. 11B (S25: NO), it determines whether or not the item addition button has been operated (S14). Then, if it is determined that the item addition button has been operated (S14: YES), the control unit 31 of the insurance company terminal 30 and the control unit 11 of the input form generation server 10 perform the processing of steps S15 to S25 again. As a result, the item selection screen shown in FIG. 10B is displayed on the insurance company terminal 30 again, and an edit screen for the input item selected from the item selection screen is displayed on the insurance company terminal 30 .

FIG. 12A shows an example of an edit screen displayed on the insurance company terminal 30 when the date of birth is selected as the second input item. In the edit screen shown in FIG. 12A, 2 is displayed as the number of set input items (question items), and in addition to the name edit screen shown in FIG. 11B, the date of birth edit screen is displayed. there is On the date of birth edit screen, an identifier (specifically, the date of birth) indicating the type of input item (birthday) and validator data assigned to the date of birth (birthday) are displayed. input field C5 is provided. Also, in the question preview of the edit screen shown in FIG. 12A, an entry field for date of birth is displayed. In FIG. 12A as well, since no question message (label) has been entered in the input field C5, the identifier "date of birth" is displayed as it is as the question message on the preview screen.

The person in charge selects all input items required for the insurance contract input form via the item selection screen, and edits the validator data and question messages for the selected input items. In the screen shown in FIG. 12B, the question message "Please enter your date of birth" is entered in the entry field C5 in the edit screen shown in FIG. ing. After setting all necessary input items in the insurance contract input form, the person in charge operates the save button in the edit screen. When the control unit 31 of the insurance company terminal 30 determines that the save button has been operated on the edit screen (S25: YES), the information after editing (validator data, question message), an identifier indicating the type of information, and input form data including information on the input fields are sent to the input form generating server 10 (S26). As a result, the insurance company terminal 30 instructs the input form generation server 10 to store the data of the generated insurance contract input form (input form data).

When the input form data is received from the insurance company terminal 30, the control unit 11 of the input form generation server 10 assigns a product ID to the received input form data (S27). For example, when product information has already been registered in the product information table 22a of the insurance estimate server 20, the product ID is associated with the input form data. Further, when the product information is not registered in the product information table 22a, the control unit 11 issues a new product ID and associates it with the input form data. At this time, the issued product ID is registered in the product information table 22a of the insurance estimate server 20 together with product information.

The control unit 11 adds the assigned product ID to the input form data of the insurance contract input form received from the insurance company terminal 30, and stores the data in the storage unit 12 (S28). Through the processing described above, the control unit 11 (creation unit) can create an insurance policy input form in accordance with an operation on the insurance company terminal 30 . In the insurance contract input form generated by the above-described processing, each input item is associated with an identifier indicating the type of information, validator data, question message, and input field information. Therefore, such an insurance contract input form has an input field of a type associated with each input item. It is possible to realize an input form associated with an identifier indicating . Further, it is possible to realize an input form in which a conversion rule (validator data) for converting input information into second input information is associated with the input field of each input item. Furthermore, since the question message (label) of each input item can be edited arbitrarily in the above process, an input form can be realized in which the input field of each input item can be displayed in association with the arbitrarily edited question message. can.

An insurance claim input form used when claiming insurance money or benefits can also be generated by the same processing as in FIGS. 8 and 9. FIG. That is, the person in charge of the insurance company selects all input items necessary for the insurance claim input form from the item selection screen shown in FIG. 10B, and edits the selected input items as shown in FIGS. Input form data for an insurance claim input form can be generated by editing validator data and question messages through the screen. FIG. 13 is a schematic diagram showing an example of an editing screen when generating an insurance claim input form. In the edit screen shown in FIG. 13, input items such as the date of admission, the date of discharge, the type of illness/injury, and the name of injury or disease are set. The input item for the date of admission as shown in FIG. 13 can be set, for example, by selecting the date input item from the item selection screen shown in FIG. 10B and editing the question message of this input item to "date of admission". . Similarly, the discharge date input item can be set by selecting the date input item from the item selection screen and editing the question message of this input item to "discharge date". In addition, for the input item of the type of illness/injury, select the input item of the radio button from the item selection screen, edit the question message of this input item to "type of illness/injury", and add the illness/injury to each radio button. can be set by assigning the type of Furthermore, the input item for the disease name can be set by selecting the text form input item from the item selection screen and editing the question message of this input item to "Please enter the disease name". In addition, the input items that are associated with input fields such as date, radio button, text form, image, etc. do not have item names, but they are associated with validator data and input field types. , Date of Birth, etc. can be set in the same procedure as input items with item names. Input items for item names such as the date of admission, the date of discharge, the type of illness/injury, and the name of injury or disease may be prepared in advance.

The person in charge of the insurance company generates an insurance contract input form and an insurance claim input form by the above-described processing for each insurance product. Then, when the sale of this insurance product is started, the generated insurance contract input form and insurance claim input form are downloaded to the insurance estimate server 20 and stored in the storage unit 22 of the insurance estimate server 20. . As a result, after the start of sales of insurance products, the policyholder accesses the insurance estimate server 20 using the policyholder terminal 40 and inputs the policyholder information via the insurance contract input form or the insurance claim input form. By inputting, the estimated amount of insurance premium or insurance money can be obtained.

The process of acquiring an insurance premium estimate through the insurance site 22S provided by the insurance estimate server 20 using the policyholder terminal 40 will be described below. FIG. 14 is a flowchart showing an example of insurance premium estimation processing procedure, and FIG. 15 is a schematic diagram showing an example of a screen. In FIG. 14 , the processing performed by the policyholder terminal 40 is shown on the left side, and the processing performed by the insurance estimate server 20 is shown on the right side. The following processing is performed by the control unit 41 of the policyholder terminal 40 according to the control program 42P and the browser 42AP stored in the storage unit 42, and the control unit 21 of the insurance estimate server 20 is stored in the storage unit 22. It is performed according to the control program 22P.

When applying for an insurance contract or wanting to know an estimate of insurance premiums, the policyholder accesses the insurance site 22S of the insurance estimate server 20 using the policyholder terminal 40 . When receiving an instruction to access the insurance site 22S via the input unit 44, the control unit 41 of the policyholder terminal 40 accesses the insurance site 22S via the network N (S31). When accessed from the policyholder terminal 40 , the control unit 21 of the insurance quotation server 20 transmits the site screen of the insurance site 22</b>S to the policyholder terminal 40 . When a policyholder specifies an insurance product for which he/she wishes to apply for a contract or an insurance product for which he/she wishes to obtain an estimate of insurance premiums via the insurance site 22S obtained from the insurance estimate server 20, and contracts for the specified insurance product. request the execution of insurance premium estimation processing. That is, the control unit 41 of the policyholder terminal 40 requests the insurance estimation server 20 to execute the estimation process for any insurance product according to the operation by the policyholder via the input unit 44 .

The control unit 21 of the insurance estimate server 20 reads out from the storage unit 22 the insurance contract input form 22e corresponding to the requested insurance product when the policyholder terminal 40 requests execution of an estimate process for the insurance product. (S32), the read insurance contract input form 22e is sent to the policyholder terminal 40 (S33). The storage unit 22 of the insurance estimation server 20 stores an insurance contract input form 22e for each insurance product in association with the product ID of the insurance product. Therefore, the control unit 21 reads from the storage unit 22 the insurance contract input form 22 e corresponding to the product ID of the insurance product requested from the policyholder terminal 40 . The control unit 41 of the policyholder terminal 40 displays the insurance contract input form 22e received from the insurance estimate server 20 on the display unit 45 (S34). 15A shows a screen example of the insurance contract input form 22e. The insurance contract input form 22e shown in FIG. 15A is processed by the insurance company terminal 30 and the input form generation server 10 shown in FIGS. is an input form generated by executing The insurance contract input form 22e shown in FIG. 15A has input fields for input items such as name, date of birth, address, and telephone number.

The policyholder inputs his/her own information in each entry field of the insurance contract input form 22e via the input unit 44 of the policyholder terminal 40. FIG. Therefore, the control unit 41 of the contractor terminal 40 accepts the input information entered in each input column and displays the accepted input information in each input column (S35). The insurance contract input form 22e shown in FIG. 15A has a reset button for erasing the entered information and an estimate button for instructing the execution of the estimate process based on the entered information. Therefore, the contractor operates the reset button when he wants to re-enter the information, and operates the estimate button when he wants to instruct the execution of the estimation process. The control unit 41 determines whether or not the estimate button in the insurance contract input form 22e has been operated (S36). Repeat process. In other words, the control unit 41 repeats the process of receiving the policyholder information in each input column of the insurance contract input form 22e and sequentially displaying the received information until the estimate button is operated. Note that when the reset button is operated in the insurance contract input form 22e, the control unit 41 deletes the information displayed in each input column and redoes the acceptance of the information in each input column.

If it is determined that the estimate button has been operated (S36: YES), the control unit 41 requests the insurance estimate server 20 to execute the estimate process based on the input information entered in the insurance contract input form 22e (S37). . Each input field of the insurance contract input form 22e is assigned an identifier indicating the type of information to be input (for example, name, birthday, etc.). It is sent to the insurance estimate server 20 in association with the input information entered in the entry fields. In addition, validator data is set in each input field, and the control unit 41 determines the propriety of the input information input in each input field according to the validator data, and re-inputs by the contractor for inappropriate input items. accept. For input items for which a conversion rule for converting input information into second input information is set in the validator data, the control unit 41 converts the input information into second input information (for example, year of birth) according to the conversion rule. convert date information to age). Through the above-described processing, the control unit 41 can associate the appropriate input information entered in each input field with the identifier of each input field, and transmit them to the insurance estimate server 20 .

The control unit 21 (acquisition unit) of the insurance quotation server 20 receives the input information transmitted from the policyholder terminal 40, and obtains the policyholder information (insurance policy information) input via the policyholder terminal 40. input information for the items required for the procedure). Next, the control unit 21 reads from the storage unit 22 the premium calculation table 22c corresponding to the insurance product for which the estimation process is requested (S38). Since the insurance premium calculation table 22c for each insurance product is stored in association with the product ID of the insurance product in the storage unit 22 of the insurance estimate server 20, the control unit 21 is requested to perform the estimate process. The insurance premium calculation table 22c corresponding to the product ID of the insurance product is read. Then, based on the insurance premium calculation table 22c read out, the control unit 21 uses information (input items) necessary for calculating insurance premiums from the policyholder information (each input item) received from the policyholder terminal 40. ) is specified (S39). Here, the control unit 21 specifies the input items for which the key information is set in the insurance premium calculation table 22c as the items necessary for calculating the insurance premium. In the insurance premium calculation table 22c shown in FIG. 6A, input items such as sex, date of birth, and address are specified as items necessary for calculating insurance premiums.

The control unit 21 extracts the information of the input item specified in step S39 from the input information received from the contractor terminal 40 (information entered in the input field of each input item). Then, the control unit 21 (conversion unit) converts each extracted input information into key information based on the key information conversion table 22b corresponding to the input item (S40). Each piece of input information is associated with an identifier corresponding to the input item (identifier set in the input field). The key information conversion table 22b for the identifier is read from the storage unit 22, and the input information is converted into key information based on the read key information conversion table 22b. For example, when male input information is input as an input item for sex (identifier is gender), the control unit 21 reads out the key information conversion table 22b (see FIG. 5B) corresponding to the gender identifier, and 22b, the input information (male) is converted into key information (1).

After converting the input information of all the input items specified in step S39 into key information, the control unit 21 calculates an insurance premium estimate based on the insurance premium calculation table 22c read out in step S38 (S41 ). Here, the control unit 21 specifies the combination of key information obtained by converting the input information for each input item necessary for calculating the insurance premium from the combination of key information stored in the insurance premium calculation table 22c. do. Then, the control unit 21 (calculating unit) identifies each insurance premium set in association with the specified combination of key information based on the insurance premium calculation table 22c, and adds each specified insurance premium. Calculate an insurance premium estimate. In the premium calculation table 22c, in addition to the amount of each insurance premium, basic insurance premiums, special insurance premiums, or a ratio to be multiplied by the total amount of these may be registered. Therefore, the control unit 21 calculates the estimated amount by adding each insurance premium set in the insurance premium calculation table 22c and multiplying the ratio. Further, each insurance premium is registered for each insurance premium payment method in the insurance premium calculation table 22c, and the control unit 21 calculates an estimated amount for each payment method.

The control unit 21 transmits the estimation result including the calculated insurance premium estimate to the policyholder terminal 40 (S42). FIG. 15B shows an example of an estimate result screen, and the estimate result screen shown in FIG. 15B displays the estimated premium amount for each payment method and the insurance details specified by the policyholder. When receiving the estimate result from the insurance estimate server 20, the control unit 41 of the policyholder terminal 40 displays the received estimate result on the display unit 45 (S43). As a result, the policyholder can know the insurance content set by him/herself and the estimated amount of the insurance premium based on his/her own information. By the above-described processing, it is possible to calculate and present the insurance premium estimate to the policyholder based on the policyholder information input via the input form shown in FIG. 15A.

In this embodiment, policyholder information including various types of information is converted into key information on the same scale, and an estimated insurance premium is calculated based on the key information. Therefore, even if the information (input items) required to calculate insurance premiums differs for each insurance product, each piece of information can be handled with key information on the same scale, so the insurance premium calculation tables 22c having the same configuration can be used. can be used to calculate insurance premiums. For each insurance product, it is necessary to prepare an insurance premium calculation table 22c as shown in FIG. 6A. Don't be complicated. In the present embodiment, each input field of the input form is associated with an identifier, so the insurance quotation server 20 generates key information corresponding to each input information based on the identifier received from the policyholder terminal 40. The conversion table 22b can be specified. Since the configuration of the insurance premium calculation table 22c is simplified in this manner, it is possible to reduce the burden of creating the insurance premium calculation table 22c to be created when developing an insurance product.

Estimated amounts of insurance claims or benefits can also be obtained by the same process as in FIG. When estimating insurance money or benefits, the policyholder enters the policyholder information via the insurance claim input form 22f provided by the insurance estimate server 20. FIG. The insurance estimate server 20 extracts, from the input information input via the policyholder terminal 40, the input information of the item whose key information is registered in the insurance claim calculation table 22d corresponding to the insurance product to be estimated. do. Then, the insurance estimate server 20 converts the extracted input information into key information based on the key information conversion table 22b corresponding to each input item, and calculates the estimated insurance amount based on the insurance amount calculation table 22d. do. Therefore, with regard to insurance claims or benefits as well, it is possible to calculate an estimated amount based on information entered by the policyholder through the insurance claim input form 22f configured as shown in FIG. 15A, and present it to the policyholder. can.

A person in charge of an insurance company can also obtain an estimate of insurance premiums or claims from the insurance estimate server 20 using the insurance company terminal 30. In the process shown in FIG. By having the insurance company terminal 30 perform the processing performed by the insurance company terminal 40, the person in charge of the insurance company can also acquire the estimated amount.

In this embodiment, in the insurance contract input form 22e and the insurance claim input form 22f, each input field (input item) is set with an identifier corresponding to the input item. A corresponding identifier can be attached to the input information entered in the input field and transmitted to the insurance estimate server 20 . Therefore, the insurance estimate server 20 specifies the key information conversion table 22b for converting the input information into key information based on the identifier given to the input information received from the policyholder terminal 40. can do. Therefore, by accepting input information for each input item via an input form in which an identifier is set in each input column, the insurance estimate server 20 can use a simply structured insurance premium calculation table 22c or an insurance claim calculation table 22c. It is possible to calculate insurance premiums or insurance claims based on the table 22d.

The embodiments disclosed this time are illustrative in all respects and should not be considered restrictive. The scope of the present invention is indicated by the scope of the claims rather than the above-described meaning, and is intended to include all modifications within the scope and meaning equivalent to the scope of the claims.

REFERENCE SIGNS LIST 10 input form generation server 11 control unit 12 storage unit 13 communication unit 20 insurance estimate server 21 control unit 22 storage unit 23 communication unit 30 insurance company terminal 40 policyholder terminal 12a item table 12b validator table 12c input column table 22b Key information conversion table 22c Insurance premium calculation table 22d Insurance claim calculation table 22e Insurance contract input form 22f Insurance claim input form

Claims (9)

Acquire multiple pieces of input information entered for each of the multiple input items required for procedures related to insurance,
converting the plurality of input information into numerical values of the same scale according to a conversion rule according to the type of each input information;
Based on a table that associates the input items used for calculating the amount of money related to the insurance, the numerical values of the input items, and the information used for calculating the amount according to the numerical values, the converted numerical values of each input item are converted into the An information processing method in which a computer executes the process of calculating the amount of money. selecting the table corresponding to the insurance product to be processed from the tables prepared for each insurance product;
2. The information processing method according to claim 1, wherein the computer executes the process of calculating the amount based on the selected table. The table corresponds to the input items used to calculate the amount of insurance premiums, the numerical values of the input items, and the information used to calculate the amount of basic insurance premiums and special insurance premiums attached to the insurance according to the numerical values. is attached,
Based on the table, extracting input information to be used for calculating an insurance premium amount from the plurality of pieces of input information obtained;
Based on the table, specifying information used for calculating the amounts of basic insurance premiums and rider insurance premiums corresponding to numerical values obtained by converting the extracted input information,
3. The information processing method according to claim 1, wherein the computer executes a process of calculating an insurance premium based on the specified information. The table contains the input items used to calculate the amount of insurance benefits or benefits, the numerical values of the input items, and information used to calculate the amount of the basic fee and special contract fee associated with the insurance according to the numerical value. is associated with
Based on the table, extracting input information used for calculating the amount of insurance claims or benefits from the plurality of acquired input information,
Based on the table, specifying information used to calculate the amounts of basic charges and special contract charges corresponding to numerical values obtained by converting the extracted input information,
4. The information processing method according to any one of claims 1 to 3, wherein the computer executes a process of calculating an amount of insurance money or benefits based on the specified information. Acquiring the plurality of input information for the plurality of input items through an input form having an input field to which an identifier corresponding to each input item is assigned;
5. The information processing according to any one of claims 1 to 4, wherein the computer executes a process of converting the plurality of pieces of input information into numerical values of the same scale according to conversion rules corresponding to identifiers corresponding to respective input items. Method. Based on the table, extracting input information used for calculating the amount of money related to the insurance from the plurality of acquired input information,
6. The information processing method according to claim 5, wherein the computer executes a process of converting the extracted input information into numerical values of the same scale. the identifier is associated with an information conversion rule for converting information input for the input item into second information;
converting the plurality of acquired input information into second information according to an information conversion rule corresponding to an identifier corresponding to each input item;
7. The information processing method according to claim 5, wherein said computer executes a process of converting said second information into numerical values of the same scale according to a conversion rule corresponding to said identifier. an acquisition unit that acquires a plurality of pieces of input information entered for each of a plurality of input items required for insurance-related procedures;
a conversion unit that converts the plurality of pieces of input information into numerical values of the same scale according to a conversion rule according to the type of each input information;
Based on a table that associates the input items used for calculating the amount of money related to the insurance, the numerical values of the input items, and the information used for calculating the amount according to the numerical values, the converted numerical values of each input item are converted into the An information processing apparatus comprising: a calculation unit that calculates an amount of money; Acquire multiple pieces of input information entered for each of the multiple input items required for procedures related to insurance,
converting the plurality of input information into numerical values of the same scale according to a conversion rule according to the type of each input information;
Based on a table that associates the input items used for calculating the amount of money related to the insurance, the numerical values of the input items, and the information used for calculating the amount according to the numerical values, the converted numerical values of each input item are converted into the A program that causes a computer to execute the process of calculating the amount of money.

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