JP3325195B2 - Non-life insurance prepaid card - Google Patents

Non-life insurance prepaid card

Info

Publication number
JP3325195B2
JP3325195B2 JP7454297A JP7454297A JP3325195B2 JP 3325195 B2 JP3325195 B2 JP 3325195B2 JP 7454297 A JP7454297 A JP 7454297A JP 7454297 A JP7454297 A JP 7454297A JP 3325195 B2 JP3325195 B2 JP 3325195B2
Authority
JP
Japan
Prior art keywords
insurance
card
life
display
displayed
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Fee Related
Application number
JP7454297A
Other languages
Japanese (ja)
Other versions
JPH10250277A (en
Inventor
信隆 吉田
Original Assignee
信隆 吉田
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 信隆 吉田 filed Critical 信隆 吉田
Priority to JP7454297A priority Critical patent/JP3325195B2/en
Priority to CA002230579A priority patent/CA2230579C/en
Priority to DE19808049A priority patent/DE19808049A1/en
Priority to GB9804517A priority patent/GB2323060B/en
Priority to IT98RM000138A priority patent/IT1299365B1/en
Priority to CH00536/98A priority patent/CH692525A5/en
Priority to FR9802841A priority patent/FR2760406B1/en
Publication of JPH10250277A publication Critical patent/JPH10250277A/en
Application granted granted Critical
Publication of JP3325195B2 publication Critical patent/JP3325195B2/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • BPERFORMING OPERATIONS; TRANSPORTING
    • B42BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42DBOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D15/00Printed matter of special format or style not otherwise provided for
    • B42D15/0033Owner certificates, insurance policies, guarantees

Landscapes

  • Credit Cards Or The Like (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Description

【発明の詳細な説明】DETAILED DESCRIPTION OF THE INVENTION

【0001】[0001]

【発明の属する技術分野】本発明は、定型化された損害
保険を贈答として使用するのに適した損害保険のプリペ
イドカードに関するものである。
BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a non-life insurance prepaid card suitable for using a standardized non-life insurance as a gift.

【0002】[0002]

【従来の技術】損害保険は偶然に発生する事故に伴う損
害を填補するものであるが、そのうち学校施設内事故、
スポーツ中の事故、ボランテイア活動中の事故および航
空機搭乗時の事故等の保険対象に応じて、近年各種の新
種損害保険が提供されている。これらの損害保険は、物
を目的とする損害保険、傷害保険および賠償責任保険等
を組み合わせたものが多く、保険会社が保険金額、保険
期間、保険金支払条件等の契約内容の細部を契約し、こ
れを保険証書に記載して、初めて効力が発生するように
なっている。
2. Description of the Related Art Non-life insurance covers accidental accidents, including accidents at school facilities,
In recent years, various types of non-life insurance have been provided in accordance with insurance targets such as accidents during sports, accidents during volunteer activities, and accidents during boarding of aircraft. Many of these non-life insurance companies combine non-life insurance for property, accident insurance and liability insurance, etc., and the insurance company contracts the details of the insurance policy, , This will only take effect on insurance policies.

【0003】[0003]

【発明が解決しようとする課題】この種の損害保険は、
保険の目的・保険金額等の契約内容を近時画一化・定型
化する傾向にあるが、保険契約者が簡単に契約を結べる
ものではなく、保険会社や保険代理店に赴いて、上記の
ごとく複雑な手続きを行なう必要があった。このため契
約希望者はこれらの損害保険を簡単に契約することがで
きず、また、あらかじめ保険料を支払って、これを他者
への贈答に使用するといったことも不可能であった。従
って、保険会社にとっても、定型化を進めながらも、大
量に販売することは困難であった。
This type of non-life insurance is
There has been a tendency to standardize and standardize the contract details such as the purpose of insurance and the amount of insurance in recent years.However, it is not easy for policyholders to make contracts, and they go to insurance companies and insurance agents and It was necessary to perform complicated procedures like this. For this reason, applicants for contracts cannot easily contract these non-life insurances, and it is impossible to pay insurance premiums in advance and use them for gifts to others. Therefore, it has been difficult for insurance companies to sell in large quantities while stylizing.

【0004】本願発明は、損害保険に簡便に加入し得る
とともに、贈答ができるようにして大量販売を可能にす
る損害保険のプリペイドカードを提供することを目的と
する。
[0004] It is an object of the present invention to provide a prepaid card for non-life insurance which enables easy purchase of non-life insurance and allows gifts to be sold in large quantities.

【0005】[0005]

【課題を解決するための手段】上記目的を達成するた
め、本発明は、損害保険の契約内容に関する情報記録
された保険情報記録手段を備え、契約者の氏名等の記入
と保険会社への通知により保険証券となるカードであっ
て、当該損害保険の種別表示された種別表示部、保険
金額表示された保険金額表示部、保険料の支払済であ
ること表示された保険料支払済表示部、保険期間
された保険期間表示部、そのカードを特定する記号・
番号等表示された番号等表示部、保険料支払時より後
の利用時点であって、かつ、当該カードの所有者が損害
保険の契約を締結するとき保険会社に告知すべき保険契
約者を特定する契約者表示部を設けたことを特徴として
いる。
Means for Solving the Problems] To achieve the above object, the present invention, information about the contract of Insurance is recorded
With the insurance information recording means that is, a the insurance policy card by notice to fill out and insurance companies such as the name of the contractor, type display unit type of the non-life insurance has been displayed, the insurance amount is displayed insurance amount display part, insurance premium paid a display unit that appears to be a paid insurance premiums, insurance period display unit is insurance period has been Table <br/> shows, symbol, to identify the card
Such as the display part number to number, etc. is displayed, a use at a later time than that at the time of insurance payments, and, the policyholder should be notified to the insurance company when the owner of the card is to conclude a contract of non-life insurance It is characterized in that a specified contractor display section is provided.

【0006】[0006]

【発明の実施の形態】以下、本発明の実施の形態を、図
示例と共に説明する。図1は本発明の実施の形態に係る
損害保険のプリペイドカードを示す正面図、図2は、同
プリペイドカードの裏面図である。
Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a front view showing a non-life insurance prepaid card according to an embodiment of the present invention, and FIG. 2 is a rear view of the same prepaid card.

【0007】このプリペイドカード1は、損害保険の保
険申込書かつ保険証書となるべきカードとして、損害保
険の基本情報を記録および表示してあり、申込者が氏名
・住所・生年月日・電話等の必要事項を補充する構成に
なっている。このプリペイドカード1は、買い物中の物
損、学校施設内事故、スポーツ中の事故、ボランティア
活動中の事故および航空機搭乗時の事故、旅行中の事故
等の異なる保険対象に応ずる保険種別ごとに、作成され
る。以下は、スポーツ傷害保険をカード化する場合を、
例として説明する。本件プリペイドカード1は、硬質プ
ラスチック材を矩形の板状に成形したものであり、携帯
を容易にしている。表面側1aには、保険の種別表示部
2、保険金額表示部3、保険料支払済表示部4、保険期
間表示部5、番号等表示部6および氏名・住所・生年月
日・電話等の契約者表示部7を設けており、裏面側1b
に磁気記録部8、保険概要表示部9、バーコード部10
および保険会社表示部12等を設けている。
The prepaid card 1 records and displays general information of non-life insurance as a card to be a non-life insurance application form and insurance card, and the applicant is required to make a name, address, date of birth, telephone, etc. It is configured to supplement the necessary items. This prepaid card 1 is provided for each type of insurance corresponding to different insurance targets such as property damage during shopping, accidents in school facilities, accidents during sports, accidents during volunteer activities and accidents during flight boarding, accidents during travel, etc. Created. The following is an example of card sports insurance.
This will be described as an example. The prepaid card 1 is formed by molding a hard plastic material into a rectangular plate shape, which facilitates carrying. On the front side 1a, an insurance type display unit 2, an insurance amount display unit 3, an insurance paid display unit 4, an insurance period display unit 5, a number etc. display unit 6 and a name / address / birth date / telephone etc. A contractor display section 7 is provided, and the back side 1b
Magnetic recording unit 8, insurance summary display unit 9, bar code unit 10
And an insurance company display section 12 and the like.

【0008】表面側1aの種別表示部2には、このカー
ド1がスポーツ傷害保険であることを示す「スポーツ傷
害保険カード」の文字が印刷表示してある。また、保険
金額表示部3に保険金額を、保険料支払済表示部4には
カードが販売された時点で保険料が支払済であることが
明らかとなるようにされている。例えば支払済の保険料
を示す金額が印刷表示されている。これに合わせて予め
一定の料金を支払って、このプリペイドカード1を購入
すると、スポーツ中に傷害に遭ったとき、明示してある
保険金額に基づいて保険会社が保険金を支払うシステム
になっている。保険期間表示部5には、保険申込、即
ち、保険契約日からの保険期間が明示されている。例え
ば、申込後3日間あるいは30日間のごとく当初から明
示される。番号等表示部6には、この保険カードを特定
するための番号・記号等が印刷表示されており、これは
各カード毎に異なる番号を付与して、カード自体および
契約者の識別を可能としている。また、契約者表示部7
は、カードのこの部分を空白にしたもので、ボールペン
等のように容易に訂正や抹消のできない筆記具により、
申込者即契約者の氏名・住所・生年月日・電話等の契約
者を特定する事項を記入できるようになっている。この
欄に利用者が氏名等を書き込んで、前記番号等表示部に
記載されたカード番号とともに保険会社へ通知すると、
スポーツ傷害保険としての効力を発生させることができ
るものである。この欄に契約申込み時に保険会社から告
知される承認番号、日付等を記入する欄7aを設ける。
以上スポーツ傷害保険の場合を例にあげたが、スポーツ
用具保険、スポーツ賠償責任保険等についても上述に準
じて設定表示することができる。
[0008] The type display section 2 on the front side 1a is printed with the letters "sports accident insurance card" indicating that the card 1 is sports accident insurance. Also, the insurance amount is displayed on the insurance amount display unit 3 and the insurance premium is already paid on the paid insurance display unit 4 when the card is sold. For example, an amount indicating the paid insurance premium is printed and displayed. When the prepaid card 1 is purchased by paying a fixed fee in advance in accordance with this, when an injury occurs during sports, the insurance company pays the insurance money based on the specified insurance amount. . The insurance period display section 5 clearly shows the insurance application, that is, the insurance period from the insurance contract date. For example, it is specified from the beginning, such as three days or thirty days after application. A number / symbol or the like for specifying the insurance card is printed and displayed on the number / etc. Display section 6, and a different number is assigned to each card so that the card itself and the contractor can be identified. I have. The contractor display section 7
Is a blank of this part of the card, and writing instruments that cannot be easily corrected or erased, such as ballpoint pens,
It is possible to fill in items that identify the contractor, such as the name, address, date of birth, telephone, etc. of the applicant immediate contractor. When the user writes the name etc. in this column and notifies the insurance company together with the card number described in the number etc. display section,
It can be effective as sports accident insurance. In this column, there is provided a column 7a for entering an approval number, date, etc. notified by the insurance company when applying for a contract.
Although the case of sports accident insurance has been described above as an example, sports equipment insurance, sports liability insurance and the like can be set and displayed according to the above description.

【0009】裏面側1bの磁気記録部8は、損害保険の
内容に関した各種情報即ち当該損害保険の種別・保険金
額・保険料・保険期間等の情報を記録してあり、バーコ
ード部10には、このカードの番号情報が記録してあ
る。また、保険概要表示部9には、このスポーツ損害保
険の内容を示す重要事項を印刷表示するとともに、カー
ド取扱上の注意事項を表示してある。またカード自体の
有効期間表示部11が設けられ、保険契約されるか否か
にかかわらずカード自体に認められた有効期間が表示さ
れており、この期間内でなければ保険契約が有効となら
ないことが明らかにされている。さらに、最下段の保険
会社表示部12には、保険会社の社名・住所・電話番号
等を印刷している。裏面側に表示されている事項の一部
または全部をカードの表面側に表示してもよい。保険会
社は、このカードの磁気記録部8およびバーコード部1
0と同一の情報を自社コンピューターに登録しているか
ら、利用者からカード番号と氏名等の通知を受け取る
と、契約成立の処理をすることになる。また、保険事故
が発生したときは、契約者はカードを提出して保険料の
請求をするが、保険会社はカードの磁気記録部8とバー
コード部10をコンピュターで読取ることにより、保険
契約を確認して、迅速的確に保険金支払手続きを進める
ことができる。
The magnetic recording section 8 on the back side 1b records various information relating to the contents of non-life insurance, that is, information such as the type, insurance amount, insurance premium, and insurance period of the non-life insurance. Indicates the number information of this card. The insurance summary display section 9 prints and displays important matters indicating the contents of the sports casualty insurance, and also displays precautions for handling the card. In addition, a validity period display section 11 for the card itself is provided, and the validity period approved for the card itself is displayed regardless of whether or not an insurance contract is made, and the insurance contract must be valid within this period. Has been revealed. Further, the insurance company display section 12 at the bottom prints the company name, address, telephone number, etc. of the insurance company. Some or all of the items displayed on the back side may be displayed on the front side of the card. The insurance company has a magnetic recording unit 8 and a barcode unit 1
Since the same information as “0” is registered in the computer of the company, when a notification of the card number and name is received from the user, the contract is processed. Also, when an insurance accident occurs, the policyholder submits the card and claims the insurance premium, but the insurance company reads the magnetic recording section 8 and the barcode section 10 of the card with a computer so that the insurance contract can be made. After confirmation, the insurance payment procedure can be proceeded promptly and accurately.

【0010】以上のように形成されたプリペイドカード
1は、契約者表示部7を空白にした状態で、保険の内容
を記した案内や約款とともに、保険会社から保険代理店
等を通じ一般のユーザーに提供される。このプリペイド
カード1は、保険料を支払う者と契約者とが必ずしも一
致する必要はなく、利用時点で契約者表示部7に氏名等
を記入し、保険会社に自分の氏名等とともに、カード番
号や利用開始時期等の必要事項を告げれば契約が発効す
る。特に、このプリペイドカード1は、スポーツ傷害が
発生したときに、プリペイドカードを提示して保険会社
に通知すると、所定の手続きの後で保険金額表示部3に
明示された一定の填補額が支払われるように定型化され
ているので、保険の申込・契約が極めて簡便である。従
って、保険料の支払と交換にプリペイドカード1を渡す
ことができるので、贈答用として百貨店やコンビニエン
ス・ストア等でも取り扱うことが可能である。また、こ
のプリペイドカード1は、大量販売に適しているので、
各種の損害保険を前述のように定型化して市販すると各
分野に広く普及させ得る利点がある。しかも、実際に保
険契約する前に保険料の支払を完了させておき、スポー
ツ開始時とか、飛行機搭乗時点には、保険会社への通告
のみでよい。これにより、各種損害保険の利用が極めて
容易となる。
[0010] The prepaid card 1 formed as described above, with the policyholder display section 7 blank, along with guidance and terms and conditions describing the contents of insurance, from the insurance company to the general user through an insurance agency or the like. Provided. In the prepaid card 1, the person who pays the insurance premium does not necessarily have to be the same as the contractor. At the time of use, the name and the like are entered in the contractor display section 7, and the card number, If you tell us the necessary information such as the start time of use, the contract will come into effect. In particular, when the prepaid card 1 presents the prepaid card and notifies the insurance company when a sports injury occurs, a certain amount of compensation shown in the insurance amount display unit 3 is paid after a predetermined procedure. As such, the insurance application / contract is extremely simple. Therefore, since the prepaid card 1 can be given in exchange for the payment of the insurance premium, it can be handled at department stores, convenience stores, and the like for gifts. Also, since this prepaid card 1 is suitable for mass sales,
When various types of non-life insurance are standardized and marketed as described above, there is an advantage that they can be widely spread in various fields. In addition, the payment of the insurance premium must be completed before the insurance contract is actually made, and only the notification to the insurance company may be made at the time of starting sports or boarding an airplane. This makes it extremely easy to use various types of non-life insurance.

【0011】[0011]

【発明の効果】以上説明したように、本発明のうち請求
項1項記載の発明は、損害保険の保険証書となるカード
に保険種別表示部、番号等表示部、保険金額表示部、保
険料支払済表示部、保険期間表示部、番号表示部および
契約者表示部等を設けており、使用を開始するときに、
契約者氏名・住所・生年月日・電話等を記入し、保険会
社へ番号と自分の氏名・住所等を通告すれば効力を発生
させられるので、損害保険を簡便に契約できる効果があ
る。また、保険料の支払者と保険契約者とが一致する必
要はないから、他者への贈答に使用することが可能とな
り、大量販売ができる効果がある。
As described above, according to the first aspect of the present invention, the card which becomes the insurance policy for non-life insurance includes an insurance type display section, a number etc. display section, an insurance amount display section, an insurance premium, and the like. A paid display, insurance period display, number display, contractor display, etc. are provided.
Entering the contractor's name, address, date of birth, telephone, etc., and informing the insurance company of the number and his / her name, address, etc. can be effective, so that there is an effect that casualty insurance can be easily contracted. In addition, since the payer of the insurance premium and the policyholder do not need to be the same, it can be used for giving a gift to another person, and there is an effect that mass sales can be performed.

【図面の簡単な説明】[Brief description of the drawings]

【図1】本発明の実施の形態に係る損害保険プリペイド
カードを示す正面図である。
FIG. 1 is a front view showing a non-life insurance prepaid card according to an embodiment of the present invention.

【図2】同損害保険プリペイドカードを示す裏面図であ
る。
FIG. 2 is a rear view showing the non-life insurance prepaid card.

【符号の説明】[Explanation of symbols]

1 カード 2 種別表示部 3 保険金額表示部 4 保険料支払済表示部 5 保険期間表示部 6 番号等表示部 7 契約者表示部 8 磁気情報記録部 9 保険概要表示部 10 バーコード部 11 カード有効期間表示部 1 Card 2 Type display 3 Insurance amount display 4 Insurance premium paid display 5 Insurance period display 6 Number etc. display 7 Contractor display 8 Magnetic information recording 9 Insurance summary display 10 Barcode 11 Card validity Period display section

Claims (1)

(57)【特許請求の範囲】(57) [Claims] 【請求項1】 損害保険の契約内容に関する情報記録
された保険情報記録手段を備え、契約者の氏名等の記入
と保険会社への通知により保険証券となるカードであっ
て、当該損害保険の種別表示された種別表示部、保険
金額表示された保険金額表示部、保険料の支払済であ
ること表示された保険料支払済表示部、保険期間
された保険期間表示部、そのカードを特定する記号・
番号等表示された番号等表示部、保険料支払時より後
の利用時点であって、かつ、当該カードの所有者が損害
保険の契約を締結するとき保険会社に告知すべき保険契
約者を特定する契約者表示部を設けた損害保険のプリペ
イドカード。
[Claim 1] information about the contract contents of the non-life insurance is recorded
With the insurance information recording means that is, a the insurance policy card by notice to fill out and insurance companies such as the name of the contractor, type display unit type of the non-life insurance has been displayed, the insurance amount is displayed insurance amount display part, insurance premium paid a display unit that appears to be a paid insurance premiums, insurance period display unit is insurance period has been Table <br/> shows, symbol, to identify the card
Such as the display part number to number, etc. is displayed, a use at a later time than that at the time of insurance payments, and, the policyholder should be notified to the insurance company when the owner of the card is to conclude a contract of non-life insurance A non-life insurance prepaid card with a designated contractor display.
JP7454297A 1997-03-10 1997-03-10 Non-life insurance prepaid card Expired - Fee Related JP3325195B2 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
JP7454297A JP3325195B2 (en) 1997-03-10 1997-03-10 Non-life insurance prepaid card
CA002230579A CA2230579C (en) 1997-03-10 1998-02-25 Prepaid card of damage insurance
DE19808049A DE19808049A1 (en) 1997-03-10 1998-02-26 Prepaid damage insurance card
GB9804517A GB2323060B (en) 1997-03-10 1998-03-03 Prepaid card of damage insurance
IT98RM000138A IT1299365B1 (en) 1997-03-10 1998-03-06 PREPAID CARD FOR INSURANCE AGAINST DAMAGES
CH00536/98A CH692525A5 (en) 1997-03-10 1998-03-06 Damage insurance card
FR9802841A FR2760406B1 (en) 1997-03-10 1998-03-09 PREPAID ACCIDENT POLICY CARD

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
JP7454297A JP3325195B2 (en) 1997-03-10 1997-03-10 Non-life insurance prepaid card

Publications (2)

Publication Number Publication Date
JPH10250277A JPH10250277A (en) 1998-09-22
JP3325195B2 true JP3325195B2 (en) 2002-09-17

Family

ID=13550267

Family Applications (1)

Application Number Title Priority Date Filing Date
JP7454297A Expired - Fee Related JP3325195B2 (en) 1997-03-10 1997-03-10 Non-life insurance prepaid card

Country Status (7)

Country Link
JP (1) JP3325195B2 (en)
CA (1) CA2230579C (en)
CH (1) CH692525A5 (en)
DE (1) DE19808049A1 (en)
FR (1) FR2760406B1 (en)
GB (1) GB2323060B (en)
IT (1) IT1299365B1 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ITRM990194A1 (en) * 1999-03-29 2000-09-29 Santis Gianfranco De METHOD AND SYSTEM OF IMPLEMENTATION TO ACTIVATE AND DEACTIVATE PREPAID INSURANCE POLICIES THROUGH THE TELEPHONE.
AU2003261299A1 (en) 2002-07-30 2004-02-16 Acs State And Local Solutions, Inc. Systems and methods for processing benefits
US8340979B2 (en) 2002-10-01 2012-12-25 Acs State & Local Solutions, Inc. Systems and methods for electronically processing government sponsored benefits
KR20040029590A (en) * 2002-10-01 2004-04-08 원성재 Insuring method and system using insuring prepayment card
US7587434B2 (en) 2002-10-01 2009-09-08 Acs State & Local Solutions, Inc. Method and system for managing a distributed transaction process

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR476932A (en) * 1914-05-01 1915-09-09 Auguste Magistry Insurance tickets
US5219183A (en) * 1991-11-15 1993-06-15 Ccl Label, Inc. Printable sheet having separable card
JPH08238868A (en) * 1995-03-06 1996-09-17 Arrow Maikurotetsukusu:Kk Insurance policy

Also Published As

Publication number Publication date
FR2760406A1 (en) 1998-09-11
ITRM980138A0 (en) 1998-03-06
CA2230579C (en) 2002-08-13
IT1299365B1 (en) 2000-03-16
GB2323060A (en) 1998-09-16
JPH10250277A (en) 1998-09-22
CH692525A5 (en) 2002-07-15
GB2323060B (en) 1999-07-28
CA2230579A1 (en) 1998-09-10
ITRM980138A1 (en) 1999-09-06
GB9804517D0 (en) 1998-04-29
DE19808049A1 (en) 1998-10-08
FR2760406B1 (en) 2002-02-22

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