JP4057000B2 - Insurance contract suspension method and insurance contract suspension system for property insurance for tenants - Google Patents

Description

  TECHNICAL FIELD The present invention relates to an insurance contract suspension method and an insurance contract suspension system that can automatically stop a property insurance accompanying a lease contract for the property insurance such as a fire insurance for a rented building occupant. It is.

  When a lease contract for a building such as a house is concluded, in order to be prepared for damage to the building due to an accident during the contract period, it is often required to take out non-life insurance such as fire insurance at the time of the lease contract. As for participation in such non-life insurance, there are many cases where a real estate agent that handles building management and brokerage of lease contracts also serves as an insurance agent. In such cases, the renter can apply for non-life insurance handled by the real estate agent. It is common to be asked to join.

  Conventionally, the insurance period for non-life insurance that the lessee joins was often set to 2 years in accordance with the lease contract period for the building. Therefore, nowadays, the insurance period is set to one year, and an auto-renewable special contract (provides that the insurance contract will be automatically continued if there is no other statement of intention from either the insurance company or the policyholder by maturity) The number of contracts that require a re-contract procedure is increasing.

  On the other hand, the problem with the above contract form is the handling of cases where the building lease contract is terminated, such as when the contract is not renewed when the lease contract expires or when the contract is canceled due to moving during the lease contract period. The above non-life insurance is primarily intended to prepare for the current recovery obligations and liability for damage to buildings subject to borrowing, so most of the lessees who become policyholders I would like to suspend non-life insurance when the building lease contract ends. However, since the building lease contract and the non-life insurance contract are completely separate contracts, a procedure separate from the termination of the building lease contract is required to stop the insurance contract. For tenants who are busy with moving work, etc., there is a strong sense of duplication of procedures, and there are many renters who forget to suspend non-life insurance. After that, when insurance premiums were withdrawn for non-life insurance contracts for which suspension procedures had not been completed, there was an example of a difference between a real estate agent and an insurance company insisting that the lessee should have done the procedure. is there.

  In addition, as a technique related to management of non-life insurance contracts associated with building lease contracts, inventions that comprehensively manage non-life insurance contracts generated by lease contracts are disclosed (for example, Patent Document 1 and Patent Document 2). reference.).

JP 2002-92513 A JP 2004-102581 A

  In order to avoid the above-mentioned misunderstandings related to suspension of property insurance contracts that are likely to occur at the end of a building lease contract, even if the lessee does not carry out the procedure, the property insurance automatically follows the termination of the building lease contract. The contract is preferably terminated. However, the inventions described in Patent Document 1 and Patent Document 2 are intended to ensure the participation in a non-life insurance contract and the collection of insurance premiums at the time of a building lease contract, and correspond to such problems. It is not intended to be.

  With respect to the invention described in Patent Document 2, since the real estate agent who manages the loan contract also manages the insurance contract in an integrated manner, the application of this technology will determine the end of the loan contract grasped by the real estate agent. However, as a premise of the invention, the real estate agent builds a computer system in cooperation with the insurance company, and himself / herself with the insurance company for all properties that manage non-life insurance. Since it will conclude a supervision contract, it is assumed that it is a business operator with appropriate physical strength. On the other hand, given the current state of the insurance industry where there are many small agencies, it is practically difficult to solve the problem sufficiently by such a method.

  Regarding the continuation / suspension of non-life insurance contracts, insurance companies manage each contract data using a computer system. In order to automatically stop the corresponding non-life insurance contract even if the lessee does not go through the procedure when the building lease contract ends, it is necessary to stop the contract in the master file of the non-life insurance contract data In order to write the correct information, a mechanism for accurately grasping the end of the loan contract is required. At the same time, in order to automatically stop such property and casualty insurance contracts, the suspension special provision that stipulates that the property and casualty insurance contracts automatically stop with the termination of the building lease contract is made in advance by the lessee who is the policyholder. It is necessary to have a system that accurately obtains consent and is attached to insurance contracts, and is safe so that insurance contracts that are not subject to automatic suspension are not accidentally terminated. A mechanism to ensure operation is also necessary.

  In response to such a problem, the present invention can automatically stop the non-life insurance attached to the non-life insurance such as fire insurance for the tenant of the rental building with the termination of the lease contract. It is an object of the present invention to provide an insurance contract suspension method and an insurance contract suspension system capable of reliably and safely operating such processing.

In order to solve such a problem, the present invention provides a contract for storing contract information relating to an insurance contract related to the non-life insurance in order to stop the non-life insurance for tenant renting with the termination of the lease contract for the building. An information database, an agent information database for storing agent information relating to the non-life insurance agent, a program storage unit for storing a program for controlling a stop special contract attached to the insurance policy of the non-life insurance, and a main memory; a policyholder stop method executed by a computer system for managing an insurance contract with an arithmetic processing unit composed of CPU, upon agreement changes at the time of engagement or the insurance contract for insurance contracts according to the insurance, the computer system, accepts the input of the contract information relating to the insurance contract, the contract information to the contract information And recording in the database of the master file, the computer system, the master file, stop authorized code indicating that the stop rider is attached to stop automatically the insurance contract with the end of the loan contract Receiving an instruction to record the program, and when the computer system receives an instruction to record the stop special code , reading the program from the program storage unit to the arithmetic processing unit; and Obtain an insurance type code that identifies the insurance type of the insurance contract recorded in the file, and whether the insurance type code is included in an insurance type code that can be attached to the stop special contract defined in the program Determining and the computer system To get the agency code that identifies the agency in charge of the insurance contract, which is recorded in the master file, the search for agency information database to key the agency code, corresponding to the agency code agency Determining whether the information includes a unique information code indicating whether the agent defined in the program is an agent capable of handling the suspension special offer; and the computer system records in the master file To obtain a special provision code identifying the special provision attached to the insurance contract, and whether the special provision code is included in the special provision code that cannot be attached to the suspension special provision defined in the program. determining, said computer system, the insurance type code insurance type code capable of subjecting the stop rider When it is determined that it is included, it is determined that the unique information code is included in the agency information , and it is determined that the special contract code is not included in the special contract code of the special contract that cannot be attached to the suspension special contract And recording the stop special contract code in the master file, and at the end of the loan contract, the computer system stores the insurance in the master file related to the insurance contract corresponding to the loan contract. Receiving an instruction to record stop information indicating stop of the insurance contract accompanying the termination of the loan contract as contract change information; and when the computer system receives an instruction to record the stop information, storing the program reading out the program on the processing unit from the parts, the computer system, the The insurance and determining if there is any the stop rider code covenants code identifying a rider attached to recorded the insurance contracts static file, the computer system, which is recorded in the master file Determining whether a confirmation sign confirming the end of the loan contract is recorded in an instruction to record information relating to a contract or the stop information received by the computer system; and the computer system specifies the special contract A step of recording the stop information in the master file when it is determined that the stop special contract code is included in the special provision code and the confirmation sign is recorded in the master file or the instruction; have and, the, if the location of the insurance purpose of the insurance contract has been changed The computer system accepts an instruction to record change information indicating that the insurance purpose location of the insurance contract has been changed as change information of the insurance contract in the master file related to the insurance contract; and When the computer system receives an instruction to record the change information, the step of reading the program from the program storage unit to the arithmetic processing unit, and the computer system is attached to the insurance contract recorded in the master file. Determining whether the special provision code specifying the special provision includes the stop special provision code, and determining that the special provision code identifying the special provision does not contain the stop special provision code. Recording the change information in the master file. And having a flop, a.

  In this invention, in the master file that manages the non-life insurance contract information concluded with the building lease contract, it is determined whether or not the insurance type can be attached with a stop special contract, and then the lease contract is terminated. In addition, record whether there is a special contract for stopping the insurance contract automatically, and when recording the suspension of the insurance contract accompanying the termination of the loan contract as change information, set the change information so that it will not be accepted if there is no special contract for stoppage This enables safe and reliable operation of automatic suspension of insurance contracts. In addition, the termination of the loan agreement is notified by information from the agency, but in order to obtain reliable information, restrict the qualifications of the agency that can handle the suspension special agreement, and determine whether it can be handled It is said.

  In addition, although fire insurance mainly corresponds to non-life insurance, it is not limited to fire insurance and may be other contracts such as earthquake insurance. Of these, in the present invention, the type of insurance that can be given a suspension special contract must be at least insurance that provides compensation necessary for the tenant during the tenancy period, such as the owner of the building. Stop insurance is not available for fire insurance and overseas travel insurance. Agents can include all agents who can be recruiters of property and casualty insurance contracts. In the present invention, however, in the present invention, a partner with a real estate agent involved in a rental business that can reliably grasp the termination of a building lease contract. Is the main target.

  Various special contracts may be attached to the insurance contract in addition to the stop special contract according to the present invention. When other special contracts are incompatible with the stop special contract, the master contract file records the stop special contract. Therefore, it is possible to avoid accidentally attaching a stop special provision to an insurance contract that should not be provided with a stop special provision, and to ensure the safe operation of the present invention.

  Examples of special contracts that cannot be suspended are, for example, special contracts that should not be attached to non-life insurance for tenants of rental buildings, specifically, building function recovery cost collateral special contracts that are exclusive to building owners, rebuilding If there is a cost collateral special contract, rent collateral special contract, etc., and these special contracts are attached, the suspension special contract is not recorded.

  In the present invention, when the lease contract is terminated and the suspension of the insurance contract is recorded based on the special contract, it is necessary to confirm the presence or absence of the special contract. Whether the insurance contract has been confirmed accidentally due to insufficient confirmation of the fact of the termination of the loan contract, by confirming the confirmation sign of evidence documents etc. together with the instruction to stop it Can be reduced. The confirmation sign may be accepted together with the stop instruction, or the confirmation may be confirmed in advance and recorded in the master file again together with the stop instruction. The confirmation may be performed after the stop instruction is received, and may be received together with the stop instruction again.

  If there is a special contract that stops the insurance contract when the building lease contract ends, the insurance contract will be automatically stopped when the policyholder moves by moving, etc. It is unlikely that the insurance location will change. Therefore, when a change concerning the relocation of a place for insurance purposes is accepted, if a special contract for suspension is attached, the record of the change may be rejected to prevent erroneous input of a situation that does not occur in the contract. it can.

The present invention provides a contract information database for storing contract information relating to an insurance contract related to the non-life insurance, and an agent for the non-life insurance, in order to stop the non-life insurance for tenant of rental buildings with the termination of the lease contract of the building An agent information database for storing agent information relating to the first program for controlling the suspension special contract attached to the insurance policy of the non-life insurance and an approval document for the change information of the insurance policy of the non-life insurance An insurance contract stopping method executed by a computer system for managing an insurance contract comprising a program storage section for storing a second program and a calculation processing section comprising a main memory and a CPU When the insurance contract is concluded or the contents of the insurance contract are changed, the computer system Receiving the contract information and recording the contract information in a master file of the contract information database; and the computer system automatically stores the insurance contract in the master file upon completion of the loan contract. A step of receiving an instruction to record a stop special code indicating that a stop special code for stopping the operation is attached; and when the computer system receives an instruction to record the stop special code, the first program is stored from the program storage unit. Reading the program to the arithmetic processing unit; and the computer system acquires an insurance type code for identifying an insurance type of the insurance contract recorded in the master file, and the insurance type code is the first type. Insurance type coordinator that can attach the above-mentioned suspension special contract The computer system obtains an agent code identifying the agent in charge of the insurance contract recorded in the master file, and uses the agent code as a key The agent information database is searched, and the agent information corresponding to the agent code includes a unique information code indicating whether the agent defined in the program is an agent that can handle the suspension special contract. And the computer system obtains a special provision code specifying the special provision attached to the insurance contract recorded in the master file, and the special provision code is defined in the first program. Determining whether it is included in a special provision code of a special provision that cannot be attached to the suspended special provision; and Determines that the insurance type code is included in an insurance type code that can be attached with the suspension special contract, and determines that the unique information code is included in the agency information, and the special provision code is Recording the suspension special contract code in the master file when it is determined that it is not included in the special provision clause code of the special contract that cannot be attached to the suspension special contract, and at the end of the loan agreement, The computer system accepts an instruction to record stop information indicating stop of the insurance contract accompanying the end of the loan contract as change information of the insurance contract in the master file related to the insurance contract corresponding to the loan contract. When the computer system receives an instruction to record the stop information, the first storage unit stores the first description from the program storage unit. A step of reading a program into the arithmetic processing unit, and the computer system determines whether or not the suspension special contract code is included in a special contract code identifying the special contract attached to the insurance contract recorded in the master file A confirmation sign confirming the end of the loan contract is recorded in the step and an instruction to record the information regarding the insurance contract recorded in the master file or the stop information received by the computer system. And the computer system determines that the special provision clause code specifying the special provision includes the stop special provision code, and the confirmation signature is recorded in the master file or the instruction. The stop information is added to the master file. And the step of the computer system reading the second program from the program storage unit to the arithmetic processing unit after accepting the transfer process for the insurance contract, and the computer system. , Referring to the change information of the insurance contract recorded in the master file, and determining whether or not it is necessary to issue an approval document for the change process, and the computer system includes the change information. When the stop information is recorded, it is determined that it is not necessary to issue an approval document in the step of determining whether the approval document is to be issued .

  When the policyholder makes an offer to the insurance company regarding the change or cancellation of the contract, after the approval of the change or cancellation is confirmed, the insurance company issues an approval letter as an intention to approve the change or cancellation. It is necessary to notify the policyholder. Therefore, when transfer information is recorded in the master file of contract information in the insurance company system, a system for issuing an approval document is generally activated. However, if the insurance contract is automatically suspended in accordance with the special agreement upon the termination of the building lease contract, the policyholder will check the details in advance when the insurance contract is concluded or the content of the contract is changed, and the insurance contract will be suspended in accordance with the attached special agreement. Since the application for the transfer or cancellation was not made again at the end of the building lease contract, the insurance company does not need to issue an approval letter as a statement of intention. Therefore, by recording the transfer information based on the suspension special agreement, by excluding it from the issuance of the approval document, the process for issuing the approval document can be made more efficient, and an approval document is issued to the policyholder who has not made a transfer or cancellation request. You can avoid confusion and troubles due to the arrival.

  Furthermore, this invention can also be comprised as an insurance contract stop system for enforcing the insurance contract stop method concerning this invention.

In other words, the insurance contract suspension system according to the present invention is an insurance contract suspension system for suspending property insurance for tenant residents at the same time as the lease contract of the building is terminated. Contract information storage means for recording and storing information in a master file ; agency information storage means for storing agency information relating to the non-life insurance agency; and a stop special contract attached to the non-life insurance insurance contract. A program storage means for storing a program to be controlled; and a master file for the insurance contract stored in the contract information storage means when the insurance contract for the non-life insurance is concluded or when the contract content of the insurance contract is changed, A stop special contract code indicating that a stop special contract that automatically stops the insurance contract is attached at the end of the loan contract is written. To a stop rider reception means for receiving an instruction, when the stop authorized receiving unit receives an instruction to record said stop rider code, first reading the program from the program storage means to the arithmetic processing unit comprising a main memory and a CPU The program reading means and the program obtain an insurance type code for specifying the insurance type of the insurance contract recorded in the master file, and the insurance type code attaches the stop special contract defined in the program. and insurance type determining means for determining whether included in the insurance type code which can be, by the program, to obtain the agency code identifying the agency in charge of the insurance contract recorded in the master file, wherein The agency information storage means is searched using the agency code as a key, and the agency code corresponding to the agency code is searched. And determining agency determining means for determining includes unique information code indicating the agency as defined in the program the agency information is agency capable of handling the stop rider, with the program, the the rider attached to the insurance contract recorded in the master file to obtain the covenants code specifying, or authorized covenants code the covenants code can not be subjected to the stop riders defined in the program a rider determining means for determining whether included, the insurance type determining means determines that the insurance type code is included in the insurance type code capable of subjecting the stop rider, and the agency determining means said proxy It is determined that the unique information code is included in the store information , and the special contract determining means is a special contract for which the special provision code cannot attach the stop special contract code . When it is determined that it is not included in the special contract code, the stop special recording means for recording the stop special contract code in the master file and the master file for the insurance contract corresponding to the loan contract at the end of the loan contract the as change information for insurance, a stop instruction receiving means for receiving an instruction to record the stop information indicating a stop of the insurance contract associated with the termination of the loan contract, when the stop instruction accepting means accepts the instruction, the A second program reading means for reading the program from the program storage means to the arithmetic processing unit; and the stop special provision code for the special provision clause code for identifying the special provision attached to the insurance contract recorded in the master file by the program. and determining stop information determining means for determining codes is included, with the program, the loan contract At the time of termination, it is determined whether a confirmation sign confirming the termination of the loan contract is recorded in the information on the insurance contract recorded in the master file or in the instruction to record the suspension information received by the suspension instruction receiving unit Confirmation sign determining means, and the stop information determining means determine that the special contract clause code specifying the special contract includes the stop special contract code, and the confirmation sign determining means is included in the master file or the instruction. The stop information recording means for recording the stop information in the master file when it is determined that a confirmation signature is recorded, and the master for the insurance contract when the insurance purpose location of the insurance contract is changed In the file, as the change information of the insurance contract, change information indicating that the insurance purpose location of the insurance contract has been changed A change information receiving unit that receives an instruction to record; and a third program reading unit that reads the program from the program storage unit to the arithmetic processing unit when the change information receiving unit receives an instruction to record the change information. A change acceptance determination means for determining whether or not the suspension special contract code is included in a special provision clause code specifying the special contract attached to the insurance contract recorded in the master file by the program; and the change acceptance determination means However, when it is determined that the special provision clause code for specifying the special provision does not include the stop special provision code, a change information recording unit that records the change information in the master file is provided.

An insurance contract stop system according to the present invention is an insurance contract stop system for stopping property insurance for tenant of a rental building together with the end of a lease contract of the building, and contract information related to the insurance contract related to the property insurance. Contract information storage means for recording and storing in a master file, agency information storage means for storing agency information relating to the non-life insurance agency, and controlling a stop special contract attached to the non-life insurance policy Program storage means for storing a first program and a second program for issuing an approval document for change information of the insurance contract of the non-life insurance, and when the insurance contract relating to the non-life insurance is concluded or of the insurance contract When the contract contents are changed, the master file related to the insurance contract stored in the contract information storage means is automatically updated with the termination of the lending contract. And a stop special contract accepting means for receiving an instruction to record a stop special contract code indicating that a stop special contract for stopping the insurance contract is attached, and the stop special contract accepting means accepting an instruction to record the stop special contract code The first program reading means for reading the first program from the program storage means into an arithmetic processing unit comprising a main memory and a CPU, and the insurance contract insurance recorded in the master file by the first program Insurance type determination means for acquiring an insurance type code for specifying a type and determining whether the insurance type code is included in an insurance type code that can be attached with the stop special contract defined in the first program ; , by the first of the program, to identify the agency in charge of the insurance contract, which is recorded in the master file Acquires the physical store code, the searches the agency information storing means an agency code as a key, the agency code corresponding to the agency the agency as defined in the program information of the stop Rider or the determining agency determining means handling includes unique information code indicating a distributor capable, by said first program, a rider attached to recorded the insurance contract to the master file A special contract determination unit that acquires a special contract code to be identified and determines whether the special contract code is included in the special contract code of the special contract that cannot be attached to the stop special contract defined in the first program ; insurance type determining means determines that the insurance type code is included in the insurance type code capable of subjecting the stop rider, and the agency determining means before the agency information When the special agreement determination unit determines that the unique information code is included , and the special agreement determination unit determines that the special agreement code is not included in the special agreement code that cannot be attached to the stop special agreement, the master file includes Stop special contract recording means for recording a stop special contract code, and at the end of the loan contract, the insurance file associated with the end of the loan contract as transfer information of the insurance contract in the master file for the insurance contract corresponding to the loan contract A stop instruction receiving means for receiving an instruction to record stop information indicating the stop of the contract, and a second instruction for reading the first program from the program storage means to the arithmetic processing section when the stop instruction receiving means receives the instruction . program reading means, by said first program, attached to the insurance contract recorded in the master file And determining stop information determining means for determining includes said stop rider code covenants code specifying approximately, by the first program, the lending at the end of the contract, the insurance contract recorded in the master file Confirmation sign determining means for determining whether or not a confirmation sign confirming the end of the loan contract is recorded in the information on the information or the instruction to record the stop information received by the stop instruction receiving means, and the stop information determining means When it is determined that the stop special contract code is included in the special provision code that specifies the special contract , and the confirmation sign determination unit determines that the confirmation sign is recorded in the master file or the instruction , a stop information recording means for recording the stop information in the master file, the second program from the program storage unit The fourth reading means for reading to the arithmetic processing unit and the second program refer to the change information of the insurance contract recorded in the master file after accepting the change process for the insurance contract, and An approval certificate issuance determination unit that determines whether or not an approval document issuance related to the transfer process is necessary, and the approval document issuance determination unit determines that the approval information is recorded when the stop information is recorded as the transfer information It is characterized in that it is determined that it is not necessary to issue a certificate .

  According to the present invention, to a computer system for managing insurance contracts when a special contract is automatically attached to non-life insurance, such as fire insurance for tenants in rental buildings, automatically attached to the non-life insurance accompanying the termination of the lease contract. It is possible to reliably and safely operate the record of special contracts and transfer records accompanying the termination of a loan contract.

  By enabling a special agreement to automatically stop the non-life insurance that accompanies the termination of the lease contract, the renter who rents the building will suspend the non-life insurance contracted at the time of lease when he / she is busy moving, etc. It is no longer necessary to carry out procedures, and the administrative burden at the end of the loan contract can be reduced. For insurance companies that provide non-life insurance and real estate agents that mediate building leasing, etc., this will contribute to the improvement of customer service.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. The following description is an example of an insurance contract suspension system according to the present invention, and the present invention is not limited to such an embodiment.

  FIG. 1 is a block diagram showing a configuration of an insurance contract suspension system according to the present invention. FIG. 2 is a diagram showing an example of a contract master file stored in the contract information database of the insurance contract suspension system according to the present invention. FIG. 3 is a diagram showing an example of an agency master file stored in the agency information database of the insurance contract suspension system according to the present invention. FIG. 4 is a flowchart showing a flow of inputting an automatic stop special contract for an insurance contract in the insurance contract stop system according to the present invention. FIG. 5 is a flowchart showing a flow of inputting change information for changing the location for insurance purposes in the insurance contract suspension system according to the present invention. FIG. 6 is a flow chart showing a flow for inputting change information of the insurance lapse due to the termination of the loan contract in the insurance contract suspension system according to the present invention.

  In FIG. 1, the insurance contract suspension system according to the present invention is configured as a partial function of the insurance company host 10. The insurance company host 10 includes a contract information database 11 and an agent information database 12 for storing information related to insurance contracts concluded by the insurance company. The contract information database 11 has a master file that records information about each insurance contract, and the agency information database 12 has a master file that records information about each agency that is a recruiter of insurance products handled by the insurance company. Each is stored.

  The notification creation unit 13, the securities / approval creation unit 14 and the stop special contract control unit 15 included in the insurance company host 10 specify the functions to be executed, but physically execute each function. Is stored in the hard disk of the insurance company host 10 and execution of each function is selected, the corresponding program is read from the hard disk to the main memory, and arithmetic processing is executed by the CPU to perform predetermined processing. I do.

  The notification creation unit 13 has a function of creating a notification document to the contractor such as a notification of expiration of the insurance period and a notification of insurance premium deduction. When the notification creation unit 13 is activated, it corresponds from the contract information database 11. A contract is selected, information necessary for notification is acquired, and the notification document is created. The securities / approval document creation unit 14 has a function of creating an insurance policy issued when a new contract is concluded, an approval document for a transfer request from a contractor, for example, an approval document for a change in contract conditions, an address change, or the like. When the securities / approval creation unit 14 is activated, the contract information database 11 selects the corresponding contract, acquires information necessary for creating the insurance policy and approval certificate, and creates the insurance policy and approval certificate.

  The stop special contract control unit 15 executes a function of the insurance contract stop system according to the present invention. When writing the stop special contract into the master file of the contract information database 11, the stop special contract control unit 15 Referring to FIG. 12, it is determined whether or not it is possible to attach a stop special provision. When writing the change record of the automatic stop of the insurance contract accompanying the termination of the loan contract in the master file of the contract information database 11, it is determined whether or not the change record can be performed by referring to the master file of the corresponding contract in the contract information database 11. To do.

  When the change record of the automatic stop of the insurance contract accompanying the termination of the loan contract is written in the master file of the contract information database 11, the insurance contract is treated as invalid as with the expiration of the insurance period, and the notification creating unit 13 is activated. Therefore, when creating notifications such as expiration of insurance period or deduction of insurance premiums, it will be excluded from the target of notification creation. In addition, when the securities / approval preparation section 14 is activated and an approval letter for transfer approval is created, the transfer record of the automatic stop is not an approval matter for the offer from the contractor, so a new transfer record is created. Even if it is detected, an approval letter is not issued for delivery to the contractor.

  Data input to the insurance company host 10 and program start operations are performed from the head office terminal 20. A part of the data stored in the contract information database 11 etc. of the insurance company host is accessed from the agency terminal 40 through the communication network such as the Internet to the agency online server 30 so that the person in charge of the agency Etc. can be configured to be viewable. In the present invention, when the suspension of the insurance contract accompanying the termination of the building lease contract is communicated from the agent to the insurance company, the agent contacts the insurance company by telephone, fax, e-mail, etc. The person in charge may input necessary data from the head office terminal 20 or may be directly input from the agency terminal 40 via the agency online server 30.

  FIG. 2 shows an example of a contract master file stored in the contract information database 11 of the insurance company host 10. When a new insurance contract is concluded, contract data relating to the insurance contract is input from the head office terminal 20, recorded in the master file, and stored in the contract information database 11. The data to be recorded is basic data related to insurance contracts such as the contractor's address name, security number, and insurance type, but at the time of entry of these data, for example, inappropriate data such as incorrect insurance premiums are included. It is configured so that the data is accurately input and the data is accurately input.

  In addition, when changes or cancellations of existing insurance contracts occur, such as changes in contract conditions, the data to be changed is entered, and the change occurrence history includes a code indicating the details of the change and the date of occurrence. And approval date is recorded. Also in this case, as described above, it is configured to mechanically check for inappropriate data entry and to input accurate data.

  When the data entry is checked as described above and a new contract or a change in the contract is recorded, the securities / approval issuance unit 14 can issue the insurance policy when the new contract is concluded. In the case of a contract change or cancellation, an approval document issuance process is started.

  In the present invention, the contract master file of the contract information database 11 is provided with a field for recording a special contract code for specifying the special contract attached to the contract, and the stop special contract for automatically stopping the property insurance upon the termination of the building lease contract. Is attached, a special contract code unique to the stop special contract is recorded (in the following description, the special contract code is “1X”). The special contract code prevents incorrect contracts from being managed as accidentally attached special contracts by confirming consistency with the insurance type at the time of entry. A predetermined check is to be performed so as not to stop the contract that should not be stopped.

  FIG. 3 shows an example of an agency master file stored in the agency information database 12 of the insurance company host 10. In the agency master file, information on the types of insurance that can be handled is recorded in addition to the location and name of the agency and the representative name. For example, at the time of data entry to the master file of contract data, if the insurance type of the insurance contract is not included in the handleable insurance types recorded in the master file of the handling agent, the entry becomes an error. Not accepted.

  In the agency master file, codes for other agency-specific information can be defined and recorded. In the present invention, it is possible to limit the availability of handling by an agent by defining an agent that can handle a stop special contract that automatically stops property insurance upon termination of a building lease contract by the code. .

  When the insurance contract is attached to the insurance contract that stipulates that the non-life insurance will automatically stop when the building lease contract is terminated, the termination of the building lease contract must be reliably grasped and the procedure for suspension stopped without error. Is important as a premise. In order to do so, the agent handling the suspension special agreement must be in a position to be able to grasp the end of the building lease contract and be able to submit documentary evidence of the end of the building lease contract approved by the insurance company. The insurance company selects an agent having such qualifications, and records a code indicating that the suspension special contract can be handled in the master file of the selected agent.

  In the present invention, by checking a code relating to whether or not to handle the special contract for stoppage, which is determined for each agency, the acceptance of the special stoppage is restricted, thereby ensuring the safety of the operation related to the special stoppage. In other words, if a stop special contract is entered in the contract data master file that automatically stops property insurance when the building lease contract ends, the agent will refer to the master file of the agent handling the insurance contract and If the code indicating that the stop special contract can be handled is not attached, the entry related to the stop special contract is not accepted as an error.

  The flowchart of FIG. 4 shows a flow of inputting an automatic stop special contract for an insurance contract in the present invention. The flow will be described with reference to FIGS.

  When contract data related to a new insurance contract is input from the head office terminal 20 to the insurance company host 10 and a master file related to the contract is created in the contract information database 11, damage is subsequently caused as a special contract clause due to the termination of the building lease contract. A stop special contract (here, special contract code “1X”) for automatically stopping insurance is entered, and the insurance company host 10 accepts an input request (S01). The supplementary provision for suspension is not limited at the same time as the contract. It is also possible to add a suspension special contract after the contract is concluded, but in this case, the contract data is also recorded in the master file. After that, the entry of the stop special contract is accepted.

  The insurance company host 10 that has received the input request activates the program of the stop special contract control unit 15. First, an insurance type code is acquired from a corresponding master file of the contract information database 11 (S02), and it is determined whether or not the insurance type code is an insurance type that can be accompanied by a stop special contract (S03). This type of decision is made by defining the insurance type code that can be attached to the suspension special contract, such as fire insurance and earthquake insurance, in the program, etc., and comparing it with the insurance type code obtained from the master file. Can do.

  If the insurance type code does not correspond to an insurance type that can be accompanied by a suspension special agreement, there is a possibility that a contract that cannot be accompanied by a suspension special agreement has been entered incorrectly or that the insurance type code, etc. has been entered incorrectly. Therefore, an error display indicating that the input of the stop special contract is not accepted is performed on the operation screen (S10). If it falls under an insurance type that can be accompanied by a stop special contract, proceed to the next step to check the input requirements.

  Subsequently, the agency code is acquired from the corresponding master file of the contract information database 11 (S04), the agency information database 12 is searched using the acquired agency code as a key, and the handling agency of the insurance contract is specified. To do. A code indicating the unique information of the agent is obtained from the master file of the specified agent (S05), and whether or not the unique information code is an agent capable of handling an insurance contract with a stop special contract. Is determined (S06).

  As an agent that can handle insurance contracts with suspension special agreements, specifically as a lender in a building lease contract or an administrator entrusted by the building owner, etc., it is possible to grasp the end of the building lease contract. Insurance contracts with suspension special agreements for agents that can submit documentary evidence of termination of loan agreements approved by insurance companies (mainly cases where real estate agents also serve as insurance agents) Record a unique information code that indicates that it is possible to handle, while defining a unique information code that indicates that it is possible to handle insurance contracts that are accompanied by a stop special contract in the program, etc. Such a determination can be made by comparing with the unique information code acquired from the master file.

  In the example of FIG. 2, the agent code “MSF001” is acquired from the “handling agent code” field in the master file of the contract information database 11. Next, the agency information database 12 is searched using the agency code “MSF001” as a key, and the master file in the example of FIG. 3 whose agency code is “MSF001” is specified. In the master file of FIG. 3, a code of “01” is recorded in the field of “other agent specific information code”, and this code indicates an agent that can handle an insurance contract with a stop special contract. If it is used as a signature, it is determined that the input stop special contract satisfies the requirements for the agency.

  If the agent's unique information code does not fall under the code indicating that it is an agent that can handle insurance contracts with suspension special agreements, or if you entered the wrong agreement for a contract that cannot be suspended, or Since there is a possibility that the agency code, the unique information code, or the like is erroneously input, an error display is displayed on the operation screen indicating that the input of the stop special contract is not accepted (S10). If it is a code indicating that the agent can handle insurance contracts with suspension special agreements, proceed to the next step for checking input requirements.

  Subsequently, a code indicating a special provision clause attached from the corresponding master file of the contract information database 11 is acquired (S07), and it is determined whether or not the code indicating the special provision clause is a special provision incompatible with the stop special provision (S08). ). Codes indicating the special provisions related to other special provisions that are incompatible with the suspension special provisions, such as rebuilding cost collateral special contracts and rent collateral special contracts that can be incidental only when the building is owned, were obtained from the master file. Such a determination can be made by comparison with a code indicating a special provision.

  If the code indicating the special provision is a special provision that is incompatible with the suspension special provision, it is possible that the contract that cannot be suspended was entered incorrectly, or that the code indicating the special provision etc. was entered incorrectly. Therefore, an error display indicating that the input of the stop special contract is not accepted is performed on the operation screen (S10). If there is no special agreement that is incompatible with the suspension special agreement, it has been confirmed that the suspension special agreement can be accepted. Therefore, a code indicating the special provision of the suspension special agreement (here, the special agreement code “1X ”) Is input (S09).

  In the example of FIG. 2, the special contract code “2Y” is acquired from the field of “Attached special provisions” in the master file of the contract information database 11. The program determines whether this code is a special contract that is incompatible with the stop special contract, and if it is not included in the incompatible one, the special code “1X” indicating the stop special contract is entered in the “Attached Special Provisions” field. To do.

  The flowchart of FIG. 5 shows a flow of inputting change information for changing the location for insurance purposes in the present invention. The flow will be described with reference to FIGS. 1 and 2.

  If the location of a building, etc., for insurance purposes in an insurance contract is changed due to moving, the contractor will notify the insurance company to that effect. In the insurance company that has received the notification, the change occurrence history of the change of location for insurance purposes is input to the insurance company host 10 from the head office terminal 20, and the insurance company host 10 uses this change history as a predetermined field of the master file relating to the corresponding contract. A request to be input is accepted (S11).

  Subsequently, a code indicating the special provision clause attached from the corresponding master file of the contract information database 11 is acquired (S12), and “1X” indicating the supplementary provision of the stop special provision is included in the code indicating the special provision clause. It is determined whether or not (S13). Changing the location for insurance purposes means that the contractor has moved from the original building, so if the code indicating the supplementary provision for suspension is included, it will affect the building that is the purpose of insurance. The loan agreement should have been terminated and location changes will not be accepted. An error display is displayed on the operation screen to indicate that the location change input is not accepted (S17).

  On the other hand, if the code indicating the stop special supplement is not included, the location change input processing is performed according to the normal processing procedure. In other words, in the predetermined field of the master file of the contract information database 11, a process for inputting the change date of the insurance purpose location as the change date and the code indicating the change of the insurance purpose location as the change occurrence history are performed (S 14). Further, rewriting processing to the changed location is performed for the field of the location for insurance purposes (S15). When such an input process is performed, an approval letter for notifying the contractor that the transfer has been approved is issued (S16), and the process ends.

  In the example of FIG. 2, it is confirmed in the master file of the contract information database 11 whether or not the special agreement code “1X” is included in the “additional special agreement clause” field. In this example, since “1X” is included, the recording of the change information related to the change of location for insurance purposes results in an error. If “1X” is not included, a code number indicating the content of the change, a date of change, and the like are entered in the “change occurrence history” field, but the content entered as the change history is particularly limited. It is not something.

  The flowchart of FIG. 6 shows a flow for inputting change information of the insurance lapse due to the termination of the loan contract in the present invention. The flow will be described with reference to FIGS. 1 and 2.

  In an insurance company that has been informed of the suspension of the insurance contract from the agency after the building lease contract, which is the premise of the insurance contract, has been informed to the insurance company host 10 that the history of changes in the insurance lapse due to the termination of the loan contract A request input from the terminal 20 and the insurance company host 10 inputs this transfer history into a predetermined field of the master file related to the corresponding contract is accepted (S21).

  Subsequently, a code indicating the special provision clause attached from the corresponding master file of the contract information database 11 is acquired (S22), and “1X” indicating the supplementary provision of the stop special provision is included in the code indicating the special provision clause. It is determined whether or not (S23). If the code indicating the supplementary provision for suspension is not included, the insurance contract cannot be automatically expired when the building lease contract is terminated. An error display is displayed on the operation screen to indicate that the input of the insurance lapse due to the termination of the loan contract is not accepted (S29).

  On the other hand, if a code indicating the supplementary provision for suspension is included, it is checked whether or not the evidence document that the building lease contract has been completed is confirmed, specifically the evidence document of the person in charge who confirmed the evidence document It is determined whether or not a signature has been input (S24). If the confirmation sign is input at the same time as the input of the change occurrence history, it is determined whether or not the data indicating the confirmation sign is included together with the data received as the input of the change occurrence history. . If confirmation is made before the change history is entered, the master file of the corresponding contract is referred to, and a determination is made based on whether a flag for accepting a confirmation sign is set in a predetermined field.

  If it is determined that the confirmation signature has not been input, the fact that confirmation of the document is necessary is displayed on the operation screen (S25). After the operation screen is displayed, it is further determined whether or not a confirmation signature for the evidence document is input (S26). If the confirmation signature is not input, the operation screen displays the insurance expiry due to the termination of the loan contract. An error display indicating that the input is not accepted is performed (S29). When the input of the confirmation signature is confirmed at any stage of Step 24 and Step 26, the insurance expiration process accompanying the termination of the loan contract is advanced.

  As a process related to the expiration of insurance accompanying the termination of the loan contract, first, a process for inputting a code indicating the insurance expiration due to the termination of the loan contract is performed as a change occurrence history in the field related to the change occurrence history of the master file of the contract information database 11 (S27). ). Further, an input process is performed for setting a flag indicating that it is a revocation associated with the termination of the building lease contract in the field of the revocation identification sign associated with the termination of the building lease contract (S28). After such input processing is performed, when the change occurrence history is recorded, an approval letter is usually issued to notify the contractor that the change has been approved. Since it is not the process that received the offer, the process ends without issuing an approval document.

  In the example of FIG. 2, it is confirmed in the master file of the contract information database 11 whether or not the special agreement code “1X” is included in the “additional special agreement clause” field. In this example, since “1X” is included, a record of insurance lapse due to the termination of the loan contract is accepted. In other words, the code number indicating the expiry of insurance and the date of change are entered in the “Transition Occurrence History” field, and the expiry associated with the termination of the building lease contract is identified in the “Building Lease Termination / Expiration Identification Sign” field. A flag “1” indicating a sign is set.

It is a block diagram which shows the structure of the insurance contract stop system concerning this invention. It is a figure which shows an example of the contract master file stored in the contract information database of the insurance contract stop system concerning the present invention. It is a figure which shows an example of the agency master file stored in the agency information database of the insurance contract stop system concerning this invention. It is a flowchart which shows the flow which inputs the automatic stop special contract of an insurance contract in the insurance contract stop system concerning this invention. It is a flowchart which shows the flow which inputs the change information of the location change for an insurance purpose in the insurance contract stop system concerning this invention. It is a flowchart which shows the flow which inputs the change information of the insurance expiration with the termination of a loan contract in the insurance contract suspension system according to the present invention.

Explanation of symbols

10 Insurance Company Host 11 Contract Information Database 12 Agency Information Database 13 Notification Creation Department 14 Securities / Approval Letter Creation Department 15 Stop Special Contract Control Department 20 Head Office Terminal 30 Agency Online Server 40 Agency Terminal

Claims (4)

Contract information database for storing contract information related to the insurance contract related to the non-life insurance, and agency information related to the non-life insurance agent, in order to stop the non-life insurance for the tenant of the leased building upon termination of the lease contract of the building Managing an insurance contract comprising an agent information database for storing information, a program storage section for storing a program for controlling a stop special contract attached to the insurance contract for the non-life insurance, and an arithmetic processing section comprising a main memory and a CPU An insurance contract suspension method executed by a computer system ,
When the insurance contract for the non-life insurance is concluded or when the contract details of the insurance contract are changed,
The computer system accepting input of contract information relating to the insurance contract and recording the contract information in a master file of the contract information database ;
The computer system receives an instruction to record a stop special contract code indicating that a stop special contract for automatically stopping the insurance contract is attached to the master file upon termination of the loan contract;
When the computer system receives an instruction to record the stop special offer code , reading the program from the program storage unit to the arithmetic processing unit;
An insurance in which the computer system obtains an insurance type code for specifying an insurance type of the insurance contract recorded in the master file, and the insurance type code can attach the stop special contract defined in the program Determining whether it is included in the type code ;
The computer system obtains an agency code for identifying an agency in charge of the insurance contract recorded in the master file, searches the agency information database using the agency code as a key, and the agency Determining whether the agency information corresponding to the code includes a unique information code indicating whether the agency defined in the program is an agency capable of handling the suspension special contract;
The computer system obtains a special provision code specifying the special provision attached to the insurance contract recorded in the master file, and the special provision code cannot attach the stop special provision defined in the program. Determining whether it is included in the special agreement code of the special agreement;
Said computer system, said insurance type code is determined to be included in the insurance type code capable of subjecting the stop rider, and determines that contains the unique information code to the agency information, and the covenants If the code is determined not to be included in the special agreement covenants code which can not be subjected to the stop rider, a step of recording the stop rider codes to the master file,
Have
At the end of the loan agreement,
The computer system accepts an instruction to record stop information indicating stop of the insurance contract accompanying the end of the loan contract as change information of the insurance contract in the master file related to the insurance contract corresponding to the loan contract. When,
When the computer system receives an instruction to record the stop information, reading the program from the program storage unit to the arithmetic processing unit;
The computer system determining whether the suspension special offer code is included in a special provision code identifying the special offer attached to the insurance contract recorded in the master file;
The computer system determines whether a confirmation sign for confirming the end of the loan contract is recorded in the instruction to record the information on the insurance contract recorded in the master file or the stop information received by the computer system. And steps to
When the computer system determines that the special provision clause code specifying the special provision includes the stop special provision code , and determines that the confirmation signature is recorded in the master file or the instruction, Recording the stop information in a master file;
Have
If the insurance location of the insurance contract is changed,
The computer system accepts an instruction to record change information indicating that the insurance purpose location of the insurance contract has been changed as change information of the insurance contract in the master file related to the insurance contract;
When the computer system receives an instruction to record the change information, reading the program from the program storage unit to the arithmetic processing unit;
The computer system determining whether the suspension special offer code is included in a special provision code identifying the special offer attached to the insurance contract recorded in the master file;
Recording the change information in the master file if the computer system determines that the special provision code identifying the special provision does not include the stop special provision code;
A method for stopping an insurance contract characterized by comprising: Contract information database for storing contract information related to the insurance contract related to the non-life insurance, and agency information related to the non-life insurance agent, in order to stop the non-life insurance for the tenant of the leased building upon termination of the lease contract of the building , A first program for controlling the suspension special contract attached to the non-life insurance policy, and a second program for issuing an approval document for the change information of the non-life insurance policy An insurance contract stopping method executed by a computer system for managing an insurance contract, comprising a program storage unit for storing and an arithmetic processing unit comprising a main memory and a CPU ,
When the insurance contract for the non-life insurance is concluded or when the contract details of the insurance contract are changed,
The computer system accepting input of contract information relating to the insurance contract and recording the contract information in a master file of the contract information database ;
The computer system receives an instruction to record a stop special contract code indicating that a stop special contract for automatically stopping the insurance contract is attached to the master file upon termination of the loan contract;
When the computer system receives an instruction to record the stop special code, the step of reading the first program from the program storage unit to the arithmetic processing unit;
The computer system obtains an insurance type code for specifying an insurance type of the insurance contract recorded in the master file, and the insurance type code attaches the stop special contract defined in the first program. Determining whether it is included in a possible insurance type code ;
The computer system obtains an agency code for identifying an agency in charge of the insurance contract recorded in the master file, searches the agency information database using the agency code as a key, and the agency Determining whether the agency information corresponding to the code includes a unique information code indicating whether the agency defined in the program is an agency capable of handling the suspension special contract;
The computer system obtains a special provision code specifying the special provision attached to the insurance contract recorded in the master file, and the special provision code attaches the stop special provision defined in the first program. Determining whether it is included in a special agreement code of a special agreement that cannot be
Said computer system, said insurance type code is determined to be included in the insurance type code capable of subjecting the stop rider, and determines that contains the unique information code to the agency information, and the covenants If the code is determined not to be included in the special agreement covenants code that can not be subjected to the stop rider, a step of recording the stop rider code to the master file,
Have
At the end of the loan agreement,
The computer system accepts an instruction to record stop information indicating stop of the insurance contract accompanying the end of the loan contract as change information of the insurance contract in the master file related to the insurance contract corresponding to the loan contract. When,
When the computer system receives an instruction to record the stop information, reading the previous first program from the program storage unit to the arithmetic processing unit;
The computer system determining whether the suspension special offer code is included in a special provision code identifying the special offer attached to the insurance contract recorded in the master file;
The computer system determines whether a confirmation sign for confirming the end of the loan contract is recorded in the instruction to record the information on the insurance contract recorded in the master file or the stop information received by the computer system. And steps to
When the computer system determines that the special provision clause code specifying the special provision includes the stop special provision code , and determines that the confirmation signature is recorded in the master file or the instruction, Recording the stop information in a master file;
Have
After accepting the transfer process for the insurance contract,
The computer system reading the second program from the program storage unit to the arithmetic processing unit;
The computer system refers to the change information of the insurance contract recorded in the master file, and determines whether or not it is necessary to issue an approval document for the change process;
Have
When the stop information is recorded as the change information, the computer system determines that it is not necessary to issue an approval in the step of determining whether the approval is required. A policy suspension method characterized by An insurance contract suspension system for suspending property insurance for tenants of a rental building upon termination of the building lease contract,
Contract information storage means for recording and storing contract information related to the insurance contract for the non-life insurance in a master file;
Agency information storage means for storing agency information regarding the agency of the non-life insurance;
Program storage means for storing a program for controlling a stop special contract attached to the insurance contract of the non-life insurance;
The master file for the insurance contract stored in the contract information storage means automatically upon the conclusion of the lending contract when the insurance contract for the non-life insurance is concluded or when the contract content of the insurance contract is changed. A stop special acceptance means for receiving an instruction to record a stop special code indicating that a stop special contract for stopping the insurance contract is attached;
A first program reading unit for reading the program from the program storage unit to an arithmetic processing unit including a main memory and a CPU when the stop special contract receiving unit receives an instruction to record the stop special contract code ;
An insurance type capable of acquiring an insurance type code for specifying the insurance type of the insurance contract recorded in the master file by the program and attaching the stop special contract defined in the program to the insurance type code Insurance type determination means for determining whether it is included in the code ;
The agent obtains an agent code specifying the agent in charge of the insurance contract recorded in the master file, searches the agent information storage means using the agent code as a key, and Agency determination means for determining whether the agency information corresponding to the code includes a unique information code indicating whether the agency defined in the program is an agency capable of handling the suspension special contract;
The program obtains a special provision code for specifying the special provision attached to the insurance contract recorded in the master file, and the special provision code cannot attach the suspension special provision defined in the program. Special agreement determination means for determining whether it is included in the special agreement code of
The insurance type determining means determines that the insurance type code is included in the insurance type code capable of subjecting the stop rider, and when the agency determining means includes the unique information code to the agency information A stop contract that records the stop special contract code in the master file when the special contract determination means determines that the special contract code is not included in the special contract code of the special contract to which the stop special contract cannot be attached Recording means;
At the end of the loan contract, an instruction to record stop information indicating the stop of the insurance contract accompanying the end of the loan contract as transfer information of the insurance contract in the master file for the insurance contract corresponding to the loan contract A stop instruction receiving means for receiving;
A second program reading unit that reads the program from the program storage unit to the arithmetic processing unit when the stop instruction receiving unit receives the instruction ;
Stop information determination means for determining whether or not the stop special contract code is included in a special contract code that specifies the special contract attached to the insurance contract recorded in the master file by the program ,
Confirmation that the end of the lending contract has been confirmed by the program at the time of the end of the lending contract in the information on the insurance contract recorded in the master file or the instruction to record the stop information received by the stop instruction receiving means Confirmation sign determination means for determining whether or not a signature is recorded;
The stop information determination unit determines that the stop special contract code is included in the special provision code that specifies the special contract , and the confirmation sign determination unit records the confirmation sign in the master file or the instruction . Stop information recording means for recording the stop information in the master file,
When the insurance purpose location of the insurance contract is changed, change information indicating that the insurance purpose location of the insurance contract has been changed as transfer information of the insurance contract in the master file related to the insurance contract. Change information receiving means for receiving an instruction to record;
A third program reading unit that reads the program from the program storage unit to the arithmetic processing unit when the change information receiving unit receives an instruction to record the change information;
Change acceptance determination means for determining whether or not the suspension special contract code is included in a special contract code that specifies the special contract attached to the insurance contract recorded in the master file by the program;
When the change acceptance determination unit determines that the stop special code is not included in the special provision code that specifies the special agreement, a change information recording unit that records the change information in the master file;
An insurance contract suspension system characterized by comprising: An insurance contract suspension system for suspending property insurance for tenants of a rental building upon termination of the building lease contract,
Contract information storage means for recording and storing contract information related to the insurance contract for the non-life insurance in a master file;
Agency information storage means for storing agency information regarding the agency of the non-life insurance;
A program storage means for storing a first program for controlling the suspension special contract attached to the insurance contract of the non-life insurance and a second program for issuing an approval document for the change information of the insurance contract of the non-life insurance;
The master file for the insurance contract stored in the contract information storage means automatically upon the conclusion of the lending contract when the insurance contract for the non-life insurance is concluded or when the contract content of the insurance contract is changed. A stop special acceptance means for receiving an instruction to record a stop special code indicating that a stop special contract for stopping the insurance contract is attached;
A first program reading unit for reading the first program from the program storage unit to an arithmetic processing unit including a main memory and a CPU when the stop special contract receiving unit receives an instruction to record the stop special contract code ;
The first program obtains an insurance type code for specifying the insurance type of the insurance contract recorded in the master file, and the insurance type code attaches the stop special contract defined in the first program. Insurance type determination means for determining whether it is included in the possible insurance type code ;
The first program obtains an agent code for identifying an agent in charge of the insurance contract recorded in the master file, and searches the agent information storage means using the agent code as a key, Agent determining means for determining whether the agent information corresponding to the agent code includes a unique information code indicating whether the agent defined in the program is an agent capable of handling the suspension special contract When,
The first program obtains a special provision code specifying the special provision attached to the insurance contract recorded in the master file, and the special provision code is defined in the first program, and the suspension special provision code is defined in the first program. A special contract determination means for determining whether it is included in a special contract code of a special contract that cannot be attached,
The insurance type determining means determines that the insurance type code is included in the insurance type code capable of subjecting the stop rider, and when the agency determining means includes the unique information code to the agency information A stop contract that records the stop special contract code in the master file when the special contract determination means determines that the special contract code is not included in the special contract code of the special contract to which the stop special contract cannot be attached Recording means;
At the end of the loan contract, an instruction to record stop information indicating the stop of the insurance contract accompanying the end of the loan contract as transfer information of the insurance contract in the master file for the insurance contract corresponding to the loan contract A stop instruction receiving means for receiving;
A second program reading unit that reads the first program from the program storage unit to the arithmetic processing unit when the stop instruction receiving unit receives the instruction ;
Stop information determination means for determining whether or not the stop special contract code is included in a special provision clause code specifying the special contract attached to the insurance contract recorded in the master file by the first program ;
According to the first program, when the loan contract is ended, the information regarding the insurance contract recorded in the master file or the instruction for recording the stop information received by the stop instruction receiving means is used to indicate the end of the loan contract. Confirmation sign determination means for determining whether the confirmed confirmation signature is recorded;
The stop information determination unit determines that the stop special contract code is included in the special provision code that specifies the special contract , and the confirmation sign determination unit records the confirmation sign in the master file or the instruction . Stop information recording means for recording the stop information in the master file,
Fourth reading means for reading the second program from the program storage unit to the arithmetic processing unit;
Approval for determining whether or not it is necessary to issue an approval document for the transfer process by referring to the transfer information of the insurance contract recorded in the master file after the transfer process for the insurance contract is received by the second program. Certificate issuance determination means;
With
The insurance contract suspension system, wherein the approval document issuance determination unit determines that the approval document is not required to be issued when the stop information is recorded as the transfer information .

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