JP3895321B2 - Message notification method and message notification system - Google Patents

Description

  The present invention relates to a message notification method and a message notification system capable of notifying a message in conjunction with the payment of insurance money when the insurance money is continuously paid as an annuity in income security insurance or the like.

  When the contractor who made the life insurance contract died, the death insurance money specified in the contract will be paid, but the payment method of the insurance money is due to temporary payment where the insurance money is paid at a time It is common. However, the payment method for insurance claims is not limited to one-time payments. Revenue insurance that provides a fixed amount of insurance payments as a pension every year during a specified period, and the same insurance payments are added as special contracts for normal life insurance, etc. There is also a type of product called an income guarantee special contract (see Non-Patent Document 1). In order to manage the payment of such annuity payments, the insurance company registers the details of the insurance payment schedule in the computer and automatically executes the insurance payment procedure at a predetermined time. Management systems are commonly used.

  On the other hand, apart from the above background, if the person who died wants to leave some message to the bereaved family, for example, if it is a will, register the will in the computer system before his life and confirm the death. An invention relating to a will service method in which a will is transmitted to an heir is disclosed (see Patent Document 1).

  In addition, not only messages that have a legal effect such as wills, but as a means to send various messages to the bereaved family or acquaintances after death, for example, messages registered before birth on the birthday of a specific person are periodically An invention relating to a personal message delivery commissioning system that can be delivered to the Internet is disclosed (see Patent Document 2).

JP 2002-49708 A JP 2002-329013 A

Life Insurance Association “Life Insurance Product Guide” December 2001, p. 7-8

  Among life insurance contracts, the above-mentioned income security insurance and income guarantee special agreements are used for the purpose of providing living expenses necessary for the bereaved families, especially education and living expenses for children, especially when the contractor dies in a young age. Often. The insurance money paid annually by the income security insurance and the income security special agreement is a sign of a lifelong wish that the deceased contractor will not be in trouble for the bereaved family, but the current insurance payment is The insurance money is merely paid, and the intention of the policyholder is not transmitted as a message.

  Under such assumptions, for example, if a deceased contractor can attach a message prepared in advance, the survivor will not just receive insurance money, but in the unlikely event he does not want to be bothered Can directly convey the feelings of the contractor. In addition, regarding the content of the message, if the contractor can add a message that the contractor wanted to convey at that time, such as when the child of the deceased's child entered or found employment, the child died again. It is thought that it will be possible to feel the feelings of the parents.

  On the other hand, as a means for communicating the intention of the deceased, the invention described in Patent Document 1 transmits a will to the heir. In the present invention, the intention of the deceased can be transmitted as a message. Limited to once at the time of death. As for the method of catching death, information is received from a terminal installed at a government office that receives a death report (paragraph number 0019 of Patent Document 1), and the cooperation of the government office such as network connection is essential. It has become.

  On the other hand, the invention described in Patent Document 2 is not limited to a will at the time of death. For example, it is possible to periodically deliver a message registered before birth on the birthday of a specific person (see above). Paragraph No. 0012 of Patent Document 2). However, in the present invention, there is a restriction that a standard message is delivered on the same designated day every year, so that an event corresponding to an event at the timing corresponding to each event with respect to an event such as enrollment or employment of the other party sending the message Is impossible to send.

  In addition, regarding the method of catching death when starting to send a message, as a concrete means, send an abnormality confirmation notice periodically to the target person, detect the abnormality from the presence or absence of a reply, and confirm with the related parties Is disclosed (paragraph number 0010, etc. of Patent Document 2), but this method has the trouble that the subject must frequently send and receive notifications, and even if he forgets to reply by chance. Issues remain in terms of efficiency, such as confirmation from relevant parties each time. Patent Document 2 does not disclose another specific method that can solve this problem.

  Therefore, it is possible to reliably grasp the timing of the contractor's death, and use a computer system for income security insurance and income guarantee contracts, where the insurance payment procedure is continuously executed after death. Therefore, if the message transmission for the beneficiary of the insurance claim or the child of the contractor is linked, the service effect for the bereaved family by life insurance can be further enhanced, and a conventional post-death message transmission system is available. It seems that it will be possible to solve the problems that had been made.

  The present invention has been made to cope with such a problem, and when insurance money is continuously paid as an annuity in income insurance, etc., a message is notified in conjunction with the payment of the insurance money. It is an object of the present invention to provide a message notification method and a message notification system capable of receiving messages.

  In order to solve such a problem, the present invention provides a message notification method capable of notifying a message in conjunction with insurance payment, wherein the payment details control means is continuously based on an insurance contract. Obtaining from the payment details storage section storing the payment details of the insurance money to be paid, the payment details information in which payment occurs in a specific period, and identifying the identification information of the insurance contract included in the payment details information; The payment details control means refers to the event information of the insurance contract corresponding to the identification information of the event information storage unit that stores the event information related to the receiver of the message specified by the policyholder of the insurance contract, and A step of acquiring event information that occurs during a period, and a message creation means is a message storage unit that stores a message body for notifying the recipient Obtaining a message body corresponding to a category of an event included in the event information, and creating a notification message in which the message creating means refers to the event information and corrects at least a part of the message body. And a step.

  In the present invention, it becomes possible for the contractor to reliably capture the fact of the death of the subject who wants to send a message using the life insurance claim management system related to the death. In addition, we check life events such as admission and employment for the bereaved family of the contractor at the timing of periodic insurance payments by income security insurance, etc., and respond if there is a life event during the applicable period. By transmitting a message, it is possible to transmit a message corresponding to a point that occurs irregularly.

  In the present invention, the insurance contract includes income security insurance, etc. in which a continuous insurance payment is made after the contractor's death, and such a contract may take the form of a special contract instead of the main contract. Good. The payment details information includes the payment date of the insurance money, the payment amount, etc., and the identification number of the insurance contract generally uses a code number for identifying the insurance contract such as a security number. The recipient of the message specified by the contractor corresponds to the bereaved family specified by the contractor of the insurance contract as the recipient of the message before the birth, and the event information related to the receiver includes the enrollment, graduation, For life events such as employment and marriage, information such as the time of the event and the school name in the case of admission is applicable. Note that the number of recipients to be identified is not limited to one, and a plurality of recipients may be used. The event category corresponds to the category of life events such as admission and employment. For the message body and the notification message, a document file is usually used, but an audio file or an image file that can be reproduced as audio or video may be used.

  Further, the present invention relates to an insurance contract in which the payment details control means acquires event information in the step of acquiring the event information with reference to a contract master storage unit that stores a contract master that is basic information relating to an insurance contract. Determining whether or not there is an option contract corresponding to an event included in the contract master; and when the payment details control means determines that the option contract exists, a new payment for insurance money based on the option contract And generating a payment detail and storing it in the payment detail storage unit. The payment details control means refers to the contract master storage unit that stores the contract master, which is basic information related to the insurance contract, and the insurance contract that has acquired the event information in the step of acquiring the event information is included in the contract master. A step of determining whether or not there is an option contract corresponding to an event; and when the payment details control means determines that there is an option contract, the payment date of the insurance money included in the payment details information corresponds to the event information And a step of changing it. The payment details control means refers to the contract master storage unit that stores the contract master, which is basic information related to the insurance contract, and the insurance contract that has acquired the event information in the step of acquiring the event information is included in the contract master. A step of determining whether or not there is an option contract corresponding to an event; and when the payment details control means determines that there is an option contract, the amount of insurance money included in the payment details information is determined as the contract of the option contract. And a step of changing based on conditions.

  According to these three methods, all of the corresponding period of the event specified in the option contract, for example, if the contractor's child enters the high school, the insurance is increased. In the year when there are option contracts such as payment of money and the events defined in these options occur, the occurrence of the event can be detected and the payment details of insurance claims can be added or changed.

  Further, according to the present invention, the notification transmission unit specifies a payment specification in which payment is generated in a specific period from the payment specification storage unit, and sets a notification destination address to the recipient of the insurance contract corresponding to the payment specification. The step of acquiring from the contract master storage unit that stores the contract master, which is basic information related to the insurance contract, and the notification transmitting means transmit an update request notification for prompting the notification destination address to be updated. And a step. An input receiving means for receiving new event information input from a terminal device by a recipient of the insurance contract or a related party of the insurance contract recipient and identification information of an insurance contract corresponding to the receiver of the insurance contract; The input receiving means may comprise updating the event information corresponding to the identification information stored in the event information storage unit to the new event information.

  According to this method, insurance payments continue to reflect in the message the specific details of the event that could not be identified before the contractor's lifetime, such as the name of the school to be enrolled and the timing of employment. During this period, an update request notification that prompts the recipient to update the event information can be transmitted periodically. The recipient of the insurance contract who has received such notification, or a related person such as the relative of the recipient, can reflect the latest information in the content of the message, for example, the contractor's spouse updates the child's admission information. .

  The notification destination address specified here may be any address as long as it can be automatically communicated by a computer by e-mail, fax, or the like. To update the event information, in addition to the pattern of changing the registered data when the enrollment time registered by the contractor before birth is changed, new information that the contractor has not specified, such as the school name, etc. Includes additional patterns.

  Furthermore, the message notification method according to the present invention can also be configured as a message notification system for executing each of the message notification methods described above.

  That is, the message notification system according to the present invention is a message notification system capable of notifying a message in conjunction with insurance payment, and stores the payment details of the insurance money that is continuously paid based on the insurance contract. A payment details storage means, an insurance contract specification means for acquiring payment details information in which payment occurs during a specific period from the payment details storage means, and identifying identification information of an insurance contract included in the payment details information; Event information storage means for storing event information related to the recipient of the message specified by the contractor of the contract, and an insurance contract corresponding to the identification information of the insurance contract specified by the insurance contract specification means from the event information storage means Event information acquisition means for acquiring event information that occurs during the specific period, and the receiver Message storage means for storing a message text for notification, and message text acquisition means for acquiring a message text corresponding to a category of the event included in the event information acquired by the event information acquisition means from the message storage means, A message notification system comprising: a notification message creating means for creating a notification message by referring to the event information and correcting at least a part of the message body.

  The message notification system according to the present invention includes a contract master storage unit that stores a contract master, which is basic information related to an insurance contract, and an insurance contract corresponding to the event information acquired by the event information acquisition unit. Means for determining whether there is an option contract corresponding to the event included in the contract master, and when the option contract determination means determines that there is an option contract, based on the option contract Create a new payment statement for insurance payment, change the payment date of the insurance payment included in the payment specification information in accordance with the event information, and change the amount of insurance payment included in the payment specification information to the option The payment details by at least one method of changing, based on the terms and conditions of the contract A payment updating means for performing a new, may also be characterized in that it comprises.

  Furthermore, the message notification system according to the present invention specifies from the payment details storage means the payment details for which payment is generated in a specific period, and sets the notification destination address to the recipient of the insurance contract corresponding to the payment details, A notification destination address acquisition unit acquired from a contract master storage unit that stores a contract master, which is basic information related to an insurance contract, and a notification destination address acquired by the notification destination address acquisition unit to prompt the update of the event information Update request notification transmission means for transmitting the update request notification.

  Further, the message notification system according to the present invention includes new event information input from a terminal device by a recipient of the insurance contract or a related party of the insurance contract recipient and identification information of the insurance contract corresponding to the recipient. An input receiving unit that receives the event information and an event information update unit that updates event information corresponding to the identification information stored in the event information storage unit to the new event information may be provided.

  According to the present invention, by associating the insurance payment management system when the insurance money is continuously paid as an annuity with income security insurance, etc., and the operation of the message notification system, the timing of the contractor's death is surely captured, It is possible to surely notify the message that the contractor wants to notify after death, and to deliver the message in the long term according to the life event of the bereaved family or the like.

  As a result, in the event of death, the policyholder of the insurance contract can not only leave money to the bereaved family but also transmit a message that he / she wanted to convey at a life event such as admission or employment. For the bereaved family, it becomes possible to receive a message from the contractor who died during the life event. For insurance companies, it will be possible to provide unprecedented services beyond financial security to customers.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. The specific embodiment described below is an example when the message notification system according to the present invention is used for income security insurance, and the present invention is not limited to such an embodiment.

  FIG. 1 is a diagram showing an outline of a message notification method according to the present invention. FIG. 2 is a block diagram showing the configuration of the message notification system according to the present invention. FIG. 3 is a diagram showing an example of the event information storage unit of the message notification system according to the present invention. FIG. 4 is a diagram showing an example of an event table provided for each message recipient in the event information storage unit of the message notification system according to the present invention. FIG. 5 is a diagram showing an example of changing a part of payment details corresponding to an event and a payment details storage unit of the message notification system according to the present invention. FIG. 6 is a diagram showing a payment details storage unit of the message notification system according to the present invention and an example of adding payment details corresponding to an event. FIG. 7 is an example of a message notified by the message notification system according to the present invention. FIG. 8 is a flowchart showing a flow of notifying a message by the message notification method according to the present invention.

  The outline of the message notification method according to the present invention will be described with reference to FIG. First, a contractor who wants to use a message notification service according to the message notification method of the present invention concludes a life insurance contract with an insurance company such as income security insurance, in which insurance payments are made on a long-term basis. In the contract, it is also possible to select event options such as adjustment of insurance payment timing and increase of insurance payment amount in life events such as entrance to the bereaved family and employment.

  The contractor who concludes the contract registers event information related to life events such as enrollment and employment for the recipient and other family members. Normally, at this point in time, it is not possible to specifically specify the school to be enrolled in the future, the name of the place of employment, and so on. In addition to this, a message body to be transmitted at each event is created and registered. For the date and school name used in the message, only the matters to be inserted are specified so that they can be inserted after the contents are confirmed. The message body may be written by the contractor himself or may be selected from a plurality of models prepared by the insurance company. The message used here usually depends on the format of the document file, but it may be an audio file or an image file that can be reproduced as audio or video, or a combination of a document file and an audio file. May be.

  When the policyholder dies after the insurance contract is concluded, payment of insurance money is started according to the contents of the insurance contract. After the contractor's death, the survivor replaces the contractor, for example, updates or additional work on the event information registered by the contractor, such as the name of the school where the child of the contractor who receives the message is sent by the spouse of the contracted person I do. In order to avoid forgetting such renewal / addition work, in the above example, since the spouse is usually the beneficiary, an event is given to the beneficiary at each timing when the insurance payment is made. It is preferable that notification for prompting information update is performed by e-mail or the like.

  In the insurance payment management system, the payment details of the future payment schedule that defines the payment time, the payment amount, etc. are stored in order to pay the insurance money. Payment of insurance coverage for income security insurance is normally made once every year on the response date, so check the events occurring during the relevant period for the survivor of the contract at a specific timing based on the response date. Then, it can be set as the trigger which catches generation | occurrence | production of an event regularly every year and transmits notification.

  If there is no event, only insurance payments will be made as usual, but if there is an event, the message text corresponding to the event will be obtained, and information such as the name of the school to enter and the entrance date will be updated / Add, complete the message, and send it to the child of the contractor. As a transmission method, e-mail or fax may be used, or output to a medium such as a card may be sent.

  Also, if there is an event, check whether an event option such as adjustment of insurance payment timing or increase of insurance payment amount is selected by contract, and if the option is selected, Add or change insurance payment details according to the conditions stipulated in the option. For example, in the case of the child's enrollment year, if the option is to pay insurance money in conjunction with sending a message at the time of admission, the payment date of the insurance money in the payment details is changed. If the option is to pay more insurance than usual in the child's enrollment year, change the insurance amount on the payment details.

  FIG. 2 shows the configuration of the message notification system according to the present invention. The message notification system 10 according to the present invention includes a contract master storage unit 11, a payment details storage unit 12, a payment details control unit 13, an event information storage unit 14, a message storage unit 15, a message creation unit 16, a payment details / message output. A unit 17, an input reception unit 18, and a mail transmission unit 19 are included. The output device 20 accepts output data from the payment details / message output unit 17 and prints out the payment details and messages. The user terminal 30 corresponds to a terminal operated by the policyholder himself or the bereaved family of the insurance contract, and registers event information from the input reception unit 18 to the event information storage unit 14 via the Internet. In addition, after the contractor himself / herself has died, a notification prompting the user terminal 30 to update the payment details is transmitted from the mail transmitting unit 19 through the Internet.

  When you join a life insurance contract that pays insurance claims, such as income insurance, for a long time, the basic information of the contract, including the contract terms and conditions such as the insurance payment deadline and the amount of insurance, will be displayed. And stored in the contract master storage unit 11. In the insurance contract, if you choose to use the message notification service and select an event option that adjusts the payment period or increases the amount of insurance payment at life events such as entrance to the bereaved family or employment, The selection of the event option is recorded as one of the basic information of the contract in the contract master.

  The contractor who has selected to use the message notification service inputs information related to the life event such as the scheduled entrance time of the child's breath from the user terminal 30, and the information is stored in the event information storage unit 14. As shown in the example of FIG. 3, the event information storage unit 14 is provided with a record serving as an event index for each insurance contract specified by the security number. The policyholder, the insurance recipient, the receiver In addition, the family who will receive the message is registered. The family that is the recipient of the message is identified by a code number and is associated with an event table that records life events for each. As described above, a plurality of recipients of a message defined in one contract may be used.

  FIG. 4 is a diagram illustrating an example of an event table provided for each message recipient in the event information storage unit 14. The event items provided in this table may be those in which general event items are specified in advance, or the contractor or the bereaved family after the death of the contractor sets their own event items. Also good. In order to validate each item, a “Y” flag is set in the “YorN” field, and a message for notifying the recipient is created when the date is related to the validated item. The Specific details such as school name and date of admission can be entered if the contractor can confirm before his / her life, but after the contractor's death, the survivor's family will be able to add / update Act as input.

  When the contractor dies and the insurance payment is generated, the payment details control unit 13 extracts the payment conditions for the insurance money from the basic information of the contract stored in the contract master storage unit 11, and the payment details And stored in the payment details storage unit 12. As the payment details, a statement in which payment conditions for each year from the start of payment of the insurance money to the payment deadline are recorded is created, and a record is provided in the payment details storage unit 12 for each payment.

  Payment of insurance money every year is automatically performed for payment according to the payment schedule details stored in the payment details storage unit 12 when the payment date comes. On the other hand, the payment details control unit 13 extracts the corresponding payment details on the condition that payment occurs in a predetermined period, for example, once a month, the next month, and corresponds to the security number of each payment specification. When the event information is referred to in the event information storage unit 14 and an event exists for the recipient of the message specified in the corresponding insurance contract, the message creation unit 16 is activated to create a message for the recipient. Is done.

  The message creation unit 16 creates a message by reading the message body corresponding to the event from the message storage unit 15, and when there is a part not specified in the message body such as a school name or date, the event information storage unit 14. The information is acquired from the above and inserted into these parts to complete a notification message. In addition, the writing of these information in the message body is also written in the message body stored in the message storage unit 15 in advance, such as when the school name is written in the event information storage unit 14. The notification message may be output as it is.

  Note that the following method may be used for processing up to confirming the presence or absence of an event. In the payment details storage unit 12, instead of creating and storing records for all payment details up to the contract deadline when the insurance payment start is determined, the payment details control unit 13, for example, once a year It is good also as referring to the contract master storage part 11 at a timing, and preparing the payment details of the insurance money paid in the following year. The message to be created may be specified by referring to the event information storage unit 14 at the timing of creating the payment details.

  When event options such as adjustment of insurance payment timing or increase of insurance payment amount are selected in conjunction with such message creation processing, payment details are added / changed according to such options. Perform the process. That is, the payment details control unit 13 refers to the contract master storage unit 11, and when the event option is selected, for example, the option of changing insurance payment to the entrance month instead of the normal response date at the time of entrance is selected. If it is, the process for changing the payment date of the insurance money is executed in the record relating to the payment details of the insurance money of the current year. If an option such as receiving a congratulatory claim at the time of enrollment is selected, create a new payment statement for payment of the insurance claim, create a new record, and pay the payment statement Store in the storage unit 12.

  FIG. 5 shows an example of changing the payment details storage unit 12 and a part of the payment details corresponding to the event. If enrollment is scheduled as an event in April 2005, December 20, 2005, when the normal response date is recorded in the record in which the payment details for 2005 are recorded, is the insurance money for the enrollment month. Will be changed to April 1, 2005 so that the payment will be made. In addition, the insurance amount field is also changed so that the insurance amount increased to 3,000,000 yen including the congratulatory gift for the insurance amount of 2,000,000 yen.

  FIG. 6 shows an example in which a payment details storage unit 12 and a payment details are newly added corresponding to an event. If enrollment is scheduled as an event in April 2005, in addition to the payment on December 20, 2005, which is the usual response date, as a record of payment details for 2005, A new record scheduled to be paid on April 1, 2005 will be added on April 1, so that the insurance amount of 1,000,000 yen including the meaning of the admission celebration can be received.

  Also for the record added or changed in the payment details storage unit 12, the insurance amount is paid in accordance with the conditions set in the record, for example, under different conditions such as matching the entrance time. Further, the payment details / message output unit 17 can output the payment details changed or added in this way, and the payment details are sent to a recipient or the like to notify the change or addition.

  The output from the payment details / message output unit 17 is output by an output device 20 such as a printer, and is sent to a recipient or the like in the form of a payment statement or a message card. The payment details and the message may be output as a unit and sent to the recipient or the like. Payment details and messages may be transmitted through the Internet in the form of e-mail or the like.

  FIG. 7 is an example of a message created and transmitted in this way. The contents of the message body may be created and registered by the contractor itself, or the template may be used as described above, but the recipient's name, date, school name, etc. It is acquired from the contract master storage unit 11 and the event information storage unit 14 and inserted. These items in the message body are associated with the code number of the item specified in the event table or the like, and the date, school name, etc. associated with the code number are acquired to complete the notification message. When such a message is stored as a voice file, a synthesized voice created from character data can be inserted for a school name or the like.

  A flow for notifying a message by the message notification method according to the present invention will be described with reference to the flowchart of FIG. First, the details of payment that occurs during a specific period are extracted from the payment details database (S01), the contract is specified from the security number recorded in the details, and the event table corresponding to the contract is referenced (S02). .

  Next, it is confirmed whether or not an event exists during the corresponding period (S03). If no event exists, the process for creating a message ends. On the other hand, if an event exists, the details of the event information are acquired (S04). Subsequently, the contract master of the corresponding contract is referred to (S05), and it is confirmed whether or not the event option is selected in the contract (S06).

  If an option is selected, the option information is acquired (S07), and a new payment detail record is added to the payment details database or the content of the payment details of an existing record is changed (S07). S08). If no option is selected, skip these steps and proceed to the next step.

  In the next step, the message body corresponding to the event information acquired previously from the message database is acquired (S09). The school name included in the message body is added / corrected with reference to the event information (S10). The message created in this way is output in the form of a message card or the like, or transmitted to the bereaved family by e-mail or the like (S11).

It is a figure which shows the outline | summary of the notification method of the message concerning this invention. It is a block diagram which shows the structure of the message notification system concerning this invention. It is a figure which shows the example of the event information storage part of the message notification system concerning this invention. It is a figure which shows the example of the event table provided for every message recipient in the event information storage part of the message notification system concerning this invention. It is a figure which shows the example which changes the payment details storage part of the message notification system concerning this invention, and a part of payment details corresponding to an event. It is a figure which shows the example which adds the payment details corresponding to the payment details storage part of the message notification system concerning this invention, and an event. It is an example of the message notified by the message notification system concerning this invention. It is a flowchart which shows the flow which notifies a message with the notification method of the message concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Message notification system 11 Contract master storage part 12 Payment details storage part 13 Payment details control part 14 Event information storage part 15 Message storage part 16 Message preparation part 17 Payment details / message output part 18 Input reception part 19 Mail transmission part 20 Output device 30 User terminal

Claims (2)

A message notification method capable of notifying a message in conjunction with insurance payment by a computer system for managing an insurance contract in which continuous insurance payment is performed after the death of a policyholder , wherein the computer The system includes
A contract master storage unit that stores, as basic information about the insurance contract, a contract master that includes information on the presence or absence of an option contract corresponding to the event selected by the contractor, with identification information for identifying the insurance contract,
A payment details storage unit that stores the payment details of the insurance money that is continuously paid based on the insurance contract, with the identification information of the insurance contract attached thereto;
In the record provided for each insurance contract with the identification number, one or more message recipients specified by the policyholder of the insurance contract are recorded and stored in a table associated with each message receiver. Is a message in which event information including at least information on a schedule of events occurring for each message recipient, necessity of notification of a message in each event, and information used for creating a message in each event is recorded. An event information storage unit for storing information about the event to be notified;
A message storage unit for storing a message body for notifying the message recipient in association with an event category;
Is at least provided,
It said computer system, from the payment storage unit, acquires the payment details payment occurs in a specific time period, and insurance contracts specifying step of specifying the identity of the insurance contract included in the payment,
Said computer system, wherein the event information storage unit, the recorded on the record of the corresponding insurance contract identification information identified by the insurance policy specifying step, the event information recorded in accordance table to all message recipients Referring to an event identification step for identifying an event that occurred during the specific period and recorded as requiring message notification ;
Said computer system, from the message storage unit, and the message body acquiring the message body corresponding to the category of events identified by the event identification step,
Notification said computer system, said event using the information for use in creating a message at a particular event in a particular step, of creating the message body acquired notification message modifying at least a portion of the acquired message body in step Message creation step,
The computer system refers to the contract master corresponding to the identification information of the insurance contract whose event is specified in the event specifying step in the contract master storage unit, and the option contract corresponding to the event specified in the event specifying step Optional contract determination step for determining the presence or absence of
If the computer system determines that there is an option contract in the option contract determination step, the computer system creates a payment specification for a new payment related to insurance payment based on the option contract and stores the payment specification The payment date of the insurance money included in the payment details is changed in accordance with the event information, or the payment amount of the insurance money included in the payment details is set as a contract condition of the option contract. A payment statement update step for performing a payment statement update by at least one method of changing based on:
A message notification method characterized by comprising: A message notification system provided in a computer system for managing an insurance contract in which a continuous insurance payment is made after the death of a policyholder, and capable of notifying a message in conjunction with the insurance payment,
Contract master storage means for storing, as basic information related to the insurance contract, a contract master including information on the presence or absence of an option contract corresponding to the event selected by the contractor, with identification information for identifying the insurance contract,
A payment details storage means for storing the payment details of the insurance money to be continuously paid based on the insurance contract with the identification information of the insurance contract attached thereto;
In the record provided for each insurance contract with the identification number, one or more message recipients specified by the policyholder of the insurance contract are recorded and stored in a table associated with each message receiver. Is a message in which event information including at least information on a schedule of events occurring for each message recipient, necessity of notification of a message in each event, and information used for creating a message in each event is recorded. Event information storage means for storing information about the event to be notified;
Message storage means for storing a message body for notifying the message recipient in association with an event category;
An insurance contract specifying means for acquiring a payment detail in which payment occurs in a specific period from the payment detail storage means and specifying identification information of an insurance contract included in the payment specification;
From the event information storage means, referring to the event information recorded in the table related to all message recipients recorded in the record related to the insurance contract corresponding to the identification information specified by the insurance contract specifying means, An event identification means for identifying an event that occurs during a specific period and is recorded as requiring notification of a message;
A message body acquiring unit for acquiring a message body corresponding to the category of the event specified by the event specifying unit;
A notification message creating means for creating a notification message in which at least a part of the message body acquired by the message body acquiring means is corrected using information for use in creating a message in the event specified by the event specifying means; ,
With reference to the contract master corresponding to the identification information of the insurance contract whose event is specified by the event specifying means of the contract master storage means, the presence / absence of an option contract corresponding to the event specified by the event specifying means is determined. Optional contract determination means;
If it is determined by the option contract determination means that there is an option contract, a payment detail for a new payment related to insurance payment based on the option contract is created and stored in the payment detail storage means Or changing the payment date of the insurance money included in the payment details in accordance with the event information, or changing the payment amount of the insurance money included in the payment details based on the contract conditions of the option contract Payment item update means for executing payment item update by at least one of the following methods:
A message notification system comprising: