JP4107599B2 - Insurance information management system, insurance information management method, insurance information management program, and computer-readable recording medium recording the program - Google Patents

Description

  The present invention provides an insurance information management system, an insurance information management method, an insurance information management program, which centrally manages information on one or a plurality of contracted insurances in units of groups and provides the insurance information to customers via a communication line, The present invention also relates to a computer-readable recording medium on which the program is recorded.

For corporations and individual policyholders, it is preferable in terms of accounting processing and household management to manage information on existing insurance policies, that is, to manage information such as insurance premiums paid and security amounts easily. In addition, how efficiently this information management is performed has a major impact on asset management. However, for policyholders, the greater the number of contracted insurance, the more complicated the information management becomes, and it is not always easy.
In addition, it is not an easy task for a tax accountant having a plurality of corporations and individuals as advisers to manage insurance information of each adviser.

  Therefore, a system that can easily manage insurance information is desired for policyholders or tax accountants. In response to such a request, Patent Document 1 (Japanese Patent Application Laid-Open No. 2003-263562) discloses an insurance information system that allows an insurance contractor to easily grasp the insurance products to be contracted.

  FIG. 26 is a block diagram showing a schematic configuration of the insurance information system disclosed in Patent Document 1. As shown in FIG. As shown in the figure, this insurance information system includes an Internet in which a server device 101 and information terminals 102 and 103 such as personal computers installed or carried at a home of an insurance company agency or an insurance contractor are communication lines. It is configured to be connected via the network 108.

The server apparatus 101 includes a database 111 that stores information on insurance products that insurance policyholders subscribe to, and a registration unit 113 that registers information in the database 111. Further, the server apparatus 101 includes a communication unit 112 for communicating with the information terminals 102 and 103. Further, based on information input from the information terminals 102 and 103 and obtained by the communication means 112, a search means 114 for searching from the database 111 and a notification means 115 for notifying the information terminals 102 and 103 of the searched information. With.
According to the insurance information system configured as described above, for example, the insurance contractor searches for and displays the insurance information registered from the information terminal 102 installed in the agency of the insurance company from the information terminal 103 at home, Insurance information can be easily obtained.
JP 2003-263562 A (page 6, left column, line 6 to page 7, left column, line 27, FIGS. 1 and 2)

  By the way, in recent years, there are many cases where a wide variety of insurance products are mixed, and one corporation subscribes to a plurality of insurance products from different insurance companies. In addition, it is not uncommon for insurance contractors and insured persons to differ for each insurance within a corporation. For this reason, it is increasingly difficult to manage such insurance information in a unified manner.

Moreover, even in Patent Document 1, insurance information is extracted from a plurality of different insurance information such as policyholders, insured persons, insurance companies, etc., for example, using the insured person or the insurance company as a search key, and browsed together. There is no disclosure about what to do.
Thus, conventionally, for example, in a single corporation, when having a plurality of insurances with different contractors, the insurance information is extracted for each same insured person or insurance company, Issues such as being unable to obtain the total insurance amount covered by the same insured person from multiple existing insurance contracts with different policyholders or insurance companies, for example, because they cannot be viewed together was there.

  The present invention has been made under the circumstances as described above, and the policyholder, the insured person, the insurance company, etc., collectively manage the information of a plurality of contracted insurances which are different from each other in a group unit. It is an object to provide an insurance information management system and insurance information management method, an insurance information management program, an insurance information management program, and a recording medium on which the program is recorded so that desired information can be easily obtained using an insurance company or a contractor as a search key. To do.

In order to solve the above problems, an insurance information management system according to the present invention centrally manages information on a plurality of contracted insurances of different insurance companies in units of groups, and provides the insurance information to a customer via a communication line. The insurance information management system, wherein the customer is classified into a second customer entrusted with the management and a first customer entrusted with the management from one or more second customers, and In the insurance information management system in which the contracted insurance for the second customer is managed as a group and the insurance information is provided to the first customer and the second customer via a communication line, In order to identify the second customer and to be able to view only his / her own policy information, a group identification database storing at least a group ID for identifying the second customer and the first customer are identified. In order to enable the first customer to view the contracted insurance information of the second customer entrusted with the management, the user ID for identifying at least the first customer is recorded and the user ID A customer identification database having a user identification database in which group IDs that can be browsed are recorded, a contract insurance database in which information on the contracted insurance is recorded as information including a group ID and a plurality of search keys, and a customer operation screen Search means for searching for relevant insurance information from the contract insurance database using a search key including any one of the policyholder, insured person, and insurance company entered from above, and the insurance information searched by the search means on the screen Based on the insurance information output means to be output to the user and the user ID or group ID input by the customer from the operation screen An authentication means for authenticating the first customer or the second customer with reference to the database, and for the first customer authenticated by the authentication means, the group ID that can be browsed by the user ID is The contracted insurance information obtained from the user identification database and having the group ID that can be browsed by the user ID is read from the contracted insurance database and can be browsed. Only the existing policy insurance information having the group ID is read from the policy insurance database and can be browsed .
The search key preferably includes at least one of an insurance policyholder, an insured person, and an insurance company.
By configuring in this way, even if the insurance company, the contractor, the insured, etc. are different for each insurance in the existing insurance within the group, the customer can browse the desired information all together with the search key. Can do.

In addition, a customer identification database that records customer identification data that identifies a customer who can browse the managed policy insurance information, and an authentication unit that authenticates the customer, the customer input from the operation screen It is desirable that the authentication means refer to the customer specifying database to authenticate the customer and to read the contracted insurance information based on customer specifying data.
With this configuration, confidentiality of the database is maintained, and only authenticated customers can view insurance information.

Further, the customer is classified into a first customer and a second customer, and the contracted insurance managed as information as one group is an insurance that the second customer has, and the authentication means includes: With respect to the first customer, it is possible to view one or a plurality of predetermined group insurance information, and for the second customer, only one group's own policy insurance information can be viewed. It is desirable to do.
In this way, for example, if a tax accountant having a plurality of advisory corporations is the first customer and all advisory corporations are the second customers, the tax accountant browses the insurance information of all the advisors. be able to. In addition, it is possible to make it possible for the advisory corporation to browse only its own policy information.

Further, it is preferable that accounting means for performing accounting processing based on the insurance information searched by the searching means is further provided, and the insurance information output means outputs a result processed by the accounting means on a screen.
By providing accounting means in this way, financial management can be performed more easily.

In addition, a risk management database in which information relating to the risk of the group is recorded on a group basis, and risk management diagnosis processing based on the information recorded in the risk management database and the insurance information recorded in the contract insurance database It is preferable that the insurance information output means outputs a result processed by the risk management diagnosis means on a screen.
Thus, by providing the risk management diagnosis means, it is possible to easily grasp whether or not the current contracted insurance is appropriate for risk management.

Also, asset management diagnosis processing is performed based on the asset management database in which information related to asset management of the group is recorded in group units, information recorded in the asset management database, and insurance information recorded in the contract insurance database. It is preferable that the insurance information output unit further outputs a result processed by the asset management diagnostic unit on a screen.
Thus, by providing the asset management diagnosis means, it is possible to easily grasp whether or not the current contracted insurance is appropriate for asset management.

In order to solve the above problem, an insurance information management method according to the present invention is an insurance information management method executed by each means of the insurance information management system, wherein the user ID input from the operation screen by the customer Or referring to a customer identification database having a group identification database and a user identification database based on the group ID, authenticating the first customer or the second customer, and the first customer authenticated by the authentication means In response, the group ID that can be browsed by the user ID is obtained from the user identification database, and the existing policy insurance information having the group ID that can be browsed by the user ID is read from the policy insurance database and can be browsed. For the second customer authenticated by the authenticating means, an existing group ID is already registered. The policyholders who read from the contract insurance database only about insurance information and make it available for browsing, and the policyholder database where the information on existing insurance is recorded as information including multiple search keys. A search key including any one of the insured person and the insurance company, and a step of searching for the corresponding insurance information and a step of outputting the insurance information searched by the search means on the screen. .
The search key preferably includes at least one of an insurance policyholder, an insured person, and an insurance company.
According to such a method, even if the insurance company, the contractor, the insured person, etc. are different for each insurance in the existing insurance within the group, the customer can browse the desired information all together with the search key. Can do.

A step of referring to a customer identification database that records customer identification data for identifying a customer who can view the managed policy insurance information by customer identification data entered by a customer from an operation screen; and the customer identification database It is desirable to include the step of authenticating the customer and browsing the contracted insurance information when the customer specifying data recorded in the table and the customer specifying data input by the customer match.
By doing so, the confidentiality of the database is maintained, and only the authenticated customer can view the insurance information.

Further, the customer is classified into a first customer and a second customer, and the contracted insurance managed as information as one group is an insurance owned by the second customer and authenticates the customer. In the step, for the first customer, the contracted insurance information of one or a plurality of predetermined groups can be browsed, and for the second customer, only the contracted insurance information of the own group is displayed. It is desirable to include a step for enabling browsing.
In this way, for example, if a tax accountant having a plurality of advisory corporations is the first customer and all advisory corporations are the second customers, the tax accountant browses the insurance information of all the advisors. be able to. In addition, it is possible to make it possible for the advisory corporation to browse only its own policy information.

Preferably, the method includes a step of performing accounting processing based on the searched insurance information and a step of outputting the result of the accounting processing on a screen.
By including the step of performing accounting processing in this way, financial management can be performed more easily.

A step of performing a risk management diagnosis process based on information recorded in a risk management database in which information relating to the risk of the group is recorded on a group basis and insurance information recorded in the contract insurance database; and the risk management diagnosis It is preferable to include a step of outputting the result of the processing on the screen.
As described above, by including the step of performing the risk management diagnosis, it is possible to easily grasp whether or not the current policy insurance is appropriate for the risk management.

A step of performing asset management diagnosis processing based on information recorded in an asset management database in which information related to asset management of the group is recorded on a group basis and insurance information recorded in the contract insurance database; and It is desirable to include a step of outputting the diagnosis processing result on the screen.
Thus, by including the step of performing asset management diagnosis, it is possible to easily grasp whether or not the current contracted insurance is appropriate for asset management.

In order to solve the above problems, an insurance information management program according to the present invention is provided in a computer in the insurance information management program used in the insurance information management system according to any one of claims 1 to 4. Authenticating the first customer or the second customer with reference to a customer identification database having a group identification database and a user identification database based on the user ID or group ID input from the operation screen by the customer; For the first customer authenticated by the authentication means, the group insurance policy information obtained by acquiring the group ID that can be browsed by the user ID from the user identification database and having the group ID that can be browsed by the user ID Can be read from the contract insurance database and browsed, and the authentication means For the second customer who has been authenticated, the step of reading out only the contract insurance information having its own group ID from the contract insurance database and making it viewable, and the information on the contract insurance include a plurality of search keys Searching for relevant insurance information from a contract insurance database recorded as information using a search key including any one of a policyholder, an insured person, and an insurance company entered by a customer on the operation screen; and the search means And outputting the searched insurance information on a screen .
The search key preferably includes at least one of an insurance policyholder, an insured person, and an insurance company.
In this way, even if the insurance company, policyholder, insured, etc. are different for each insurance, the customer can browse the desired information all together with the search key. can do.

Further, referring to a customer identification database that records customer identification data for identifying a customer who can browse the managed policy insurance information on a computer, by referring to the customer identification data entered by the customer from the operation screen; Desirably, when the customer identification data recorded in the customer identification database matches the customer identification data input by the customer, the step of authenticating the customer and making it possible to view the contracted insurance information is executed. .
By doing so, the confidentiality of the database is maintained, and only the authenticated customer can view the insurance information.

Further, the customer is classified into a first customer and a second customer, and the contracted insurance managed as information as one group is an insurance that the second customer has, and the computer has the customer In the step of authenticating, the first customer is allowed to view one or a plurality of predetermined group insurance policies, and the second customer is the group's own policy insurance. It is desirable to execute the step of allowing only information to be browsed.
In this way, for example, if a tax accountant having a plurality of advisory corporations is the first customer and all advisory corporations are the second customers, the tax accountant browses the insurance information of all the advisors. be able to. In addition, it is possible to make it possible for the advisory corporation to browse only its own policy information.

Further, it is preferable that the computer execute an accounting process based on the searched insurance information and a step of outputting the accounting process result on a screen.
Thus, financial management can be performed more easily by causing a computer to execute a step of performing accounting processing.

Further, on the computer, performing risk management diagnosis processing based on the information recorded in the risk management database in which information relating to the risk of the group is recorded on a group basis and the insurance information recorded in the contract insurance database; and It is preferable to execute the step of outputting the processing result of the risk management diagnosis on the screen.
In this way, by causing the computer to execute the step of performing risk management diagnosis, it is possible to easily grasp whether or not the current contracted insurance is appropriate for risk management.

Further, the step of performing asset management diagnosis processing on the basis of information recorded in the asset management database in which information related to asset management of the group is recorded on a computer basis and insurance information recorded in the contract insurance database; It is preferable to execute a step of outputting the processing result of the asset management diagnosis on a screen.
In this way, by causing the computer to execute the step of performing asset management diagnosis, it is possible to easily grasp whether or not the current contracted insurance is appropriate for asset management.
The insurance information management program may be provided by being recorded on a computer-readable recording medium.

  According to the present invention, information on a plurality of contracted insurances, each of which has a different policyholder, insured person, insurance company, etc., is centrally managed in a group unit, and the desired insurance company or policyholder is used as a search key within the group. It is possible to provide an insurance information management system, an insurance information management method, an insurance information management program, and a recording medium on which the program is recorded, from which information can be easily obtained.

Hereinafter, a first embodiment according to the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram schematically showing a schematic configuration of an insurance information management system according to the present invention. FIG. 2 is a block diagram showing a database configuration example in the data server of FIG. In the present embodiment, the insurance information management system according to the present invention is introduced by the information management company A, and the service is provided by the tax accountant office M and the corporate bodies Q, R, S,. An example in the case of providing is shown.

  As shown in FIG. 1, an internet server 10 owned by an information management company A and an information terminal 11 such as a personal computer (PC) owned by a tax accountant office M are connected via an internet network 5 which is a communication network. Yes. Furthermore, on this Internet network 5, a plurality of corporations Q, R, S,... Each entrusting financial management (consulting) to the tax accountant office M and having one or a plurality of policyholders, respectively, are PCs. Etc. are connected by an information terminal 12.

  The information management company A is provided with a data server 30 that stores data relating to insurance management. The Internet server 10 responds by a time sharing system (time division processing) so that the plurality of information terminals 11 and 12 can use the data in the data server 30 almost simultaneously. The Internet server 10 is connected to the Internet network 5 via a firewall terminal 15 for security reasons.

  In addition, the tax accountant office M having the plurality of corporations Q, R, S,... As an adviser entrusts insurance information management of the adviser corporation to the information management company A that manages this system. ing. Therefore, this tax accountant office M is registered in the system as a first customer (hereinafter referred to as a user) and is a user for viewing insurance information of the corporations Q, R, S,... Via the Internet. An ID is given. In addition, the plurality of corporations Q, R, S,... Are registered in the system as second customers (hereinafter referred to as groups), respectively, and browse their own insurance information via the Internet network 5 respectively. Group IDs are given.

  Further, when the insurance information management system according to the present invention is executed, a GUI (Graphical User Interface) screen is displayed on each information terminal 11 and 12 via a Web browser. This GUI screen is displayed by Web application software 20 (hereinafter referred to as Web application 20) constructed using HTML (Hypertext Markup Language) as an interface. This Web application 20 is installed in the Internet server 10.

  In addition, the information viewer in the tax accountant office M or each corporation Q, R, S,... Activates the web application 20 via the web browser installed in each information terminal, and uses this system. To do. Since the Web application 20 operates on the Web, the Web application 20 is constructed so that it can be used from a Web browser regardless of the OS (Operating System).

  As shown in FIG. 2, the data server 30 includes a plurality of databases (DB) and a DB management system 31 that is software for managing them. The DB management system 31 constitutes an insurance information management program according to the present invention together with the plurality of databases and the Web application 20.

As shown in FIG. 2, as a database (DB) managed by the DB management system 31, the data server 30 records user basic information of a plurality of users including the tax accountant office M, respectively. It has DB32. Moreover, it has group identification DB33 as a customer identification database which recorded the basic information of the several group containing the said corporation | casing Q, R, S, ..., respectively.
Furthermore, it has the contract insurance DB (contract insurance database) 34 which recorded all the existing policy insurance information in each group. The contract insurance DB 34 is configured so that each insurance information can be extracted by using all or any combination of policyholders, insured persons, and insurance companies as search keys.

  In the user identification DB 32, as shown in FIG. 3, for example, a table 32a in which IDs of groups (G001, G002, G003, etc.) that are consultants of users are recorded in addition to customer identification data such as user IDs and passwords. Have. Further, as shown in FIG. 4, the group identification DB 33 includes a table 33a in which customer identification data relating to each group such as a group ID and a password is recorded. In the contract insurance DB 34, as shown in FIG. 5, for example, all policyholder names, all insured names, all insurance company names, etc. in each group are associated with identification codes, respectively. It has a recorded table 34a. Furthermore, as shown in FIG. 6, the contract insurance DB 34 has a table 34b in which information on each contracted insurance in each group is input and recorded based on the insurance policy.

  In the information management company A, based on each insurance policy, for example, data is input from an input form F1 on a PC screen as shown in FIG. As shown in this form, for example, the contractor information 40, the insured person information 41, and the like are input by an identification code. That is, when browsing the registered information, it is configured so that an insurance contractor, an insured person, or the like can be easily and reliably searched using a search key.

  Next, the operation of the Web application 20 when the information viewer uses the service of the insurance information management system according to the present invention will be described with reference to FIGS. 8 to 16 show examples of screens displayed on the Web browser of the information terminal. In the following description, FIGS. 1 to 6 are used as appropriate.

  When an information viewer (hereinafter referred to as a worker) in the tax accountant office M uses the service of the insurance information management system according to the present invention, first, a web browser is started from the information terminal 11 and the web application 20 is introduced. The login screen W1 shown in FIG. 8 is opened by designating the URL address of the designated location. Therefore, the worker inputs a predetermined login ID (user ID) in the input box 42 and the password in the input box 43, and logs in to the system by clicking the login button 44 with a mouse.

  In this login operation, first, the input user ID and password are transferred to the Web application 20 of the Internet server 10 via the Internet network 5. Here, the Web application 20 functions as an authentication unit for authenticating a customer. That is, the user specifying DB 32 is accessed via the DB management system 31 of the data server 30 and user authentication is performed based on the ID and password. If this authentication is successful, the Web application 20 requests the user identification DB 32 to acquire and deliver the ID of a group that can browse information using the user ID as a key.

Based on the acquired group ID, the Web application 20 displays a group name corresponding to each ID (specific names of corporations Q, R, S,...) On the browser screen as shown in FIG. Display as. Therefore, the operator selects a group name for which information browsing is desired by operating the mouse and clicks the corresponding display button 45.
The Web application 20 delivers the ID of the selected group to the DB management system 31 and requests to read out information on the corresponding existing insurance from the contract insurance DB 34. Then, as shown in FIG. 10, the Web application 20 converts the received data into a predetermined format for display, and outputs and displays it on the browser screen.
In this way, at the tax accountant office M as the first customer, the insurance information of the corporate bodies Q, R, S,... It is comprised so that each can be selected and browsed.

In addition, when an information viewer (worker) in a corporation (for example, corporation Q) browses information and logs in using a login ID (group ID) and password given to the corporation in advance, The authentication means (Web application 20) accesses the group specifying DB 33 and performs user authentication based on the ID and password. Then, the Web application 20 delivers the group ID used for the login to the DB management system 31 and requests to read the information on the corresponding existing policy from the policy insurance DB 34.
That is, each corporation as the second customer is configured to be able to view only the insurance information of its own group by logging in using the group ID and password determined for each.

  In FIG. 10, for example, a basic information screen W <b> 3 with a group name of “Patent Industry Co., Ltd.” is displayed. As shown in the figure, the group name is displayed in the area 50 on the screen, the search condition input box is displayed in the area 51, and the basic information of the contracted insurance is displayed in the area 52.

In the area 51, a plurality of types of search condition input boxes are provided. When this search condition input box is clicked, a drop-down list is displayed, and an item can be selected from the list by operating the mouse. Types of search condition input boxes include a contractor input box 53, an insured user input box 54, an insurance company input box 55, a sort input box 56, and a display content input box 57. Has been. Then, after the information viewer makes a desired selection input under each condition, a screen corresponding to the selected condition is displayed by clicking the display button 58 with a mouse.
That is, the information viewer can read desired insurance information from the contract insurance DB 34 using the contractor, the insured person, the insurance company, etc. as a search key.

  In addition, in order to switch the display contents in the area 52, the basic information, death security, medical security, insurance premium, maturity / refund, and corporate accounting processing displayed as a drop-down menu in the display content input box 57 are displayed. Any item may be selected and the display button 58 may be clicked with the mouse. Alternatively, a desired tab is selected from the basic information tab 59, death protection tab 60, medical security tab 61, insurance premium tab 62, maturity / refund tab 63, and corporate accounting processing tab 64 displayed in the area 52. The display contents can be switched also by.

Further, the screen W3 in FIG. 10 displays basic information in the case where all the search conditions of the contractor, the insured person, and the insurance company are all. As this basic information, for example, as shown in the figure, a contract date, a security number, a contractor, an insured person, an insurance company, an insurance type, a payment method, an insurance period, an insurance premium per time, and the like are displayed.
It should be noted that a top button 65 that can directly return to the top layer screen on the screen, regardless of the display contents of basic information, death security, medical security, insurance premium, maturity / refund, and corporate accounting processing. A mail button 66 for sending a question or the like to the tax accountant office M by e-mail and a help button 67 for displaying help information on an operation method or the like are displayed.

Here, for example, the medical security tab 61 is selected by clicking, or the search keys in the contractor input box 53, the insured person input box 54, and the insurance company input box 55 are all set to "all", and the display contents When the display button 58 is clicked with the search key in the input box 57 as medical security, a medical security information screen W4 as shown in FIG. 11 is displayed.
In this search display, the Web application 20 that has received the search key functions as a search unit, and searches for the corresponding insurance information from the contract insurance DB 34. Next, the Web application 20 functions as insurance information output means, and outputs the searched insurance information on the screen.

On the medical security information screen W4, as shown in the figure, basic information such as the contractor name, the insured name, the insurance company, the insurance type, the insurance period, the contract form, insurance money in case of illness / injury / cancer, etc. Is displayed.
When this medical security information screen W4 is displayed first, information for the current year is displayed. When displaying information for another year, a desired year is selected in the input box 77 displayed as a list from the drop-down menu, and the display button 78 is clicked with the mouse to update the screen. Information is displayed.

In addition, by selecting only the desired contract contents with the check box 79 provided for each contract and clicking the narrow-down button 80 with the mouse, insurance for each case of illness / injury / cancer for the selected contract contents The total gold is displayed in a new window (not shown).
In addition, although not shown in the drawing, the display switching for each year as described above, and the narrowed display for the desired contract contents are not only medical security information, but also the display contents of death security, insurance premium, maturity / refund money, respectively. It can be done on the screen.

In addition, when displaying detailed information about the contract contents in each insurance, click the detail button 68 provided for each contract on the basic information screen W3 in FIG. 10 or the medical security information screen W4 in FIG. Thus, detailed information is displayed on the browser screen.
For example, the list No. shown in FIG. 3. Detailed information of securities number 6203325-0000 is displayed as a detailed information screen W5 as shown in FIG. On the detailed display screen W5, in addition to the basic information, basic information on the main contract and special contract, information on the beneficiary of the insurance money, and the like are displayed.

  In the detailed information screen, the one-point information that displays the notice comment can be distinguished by the color of the detail button 68 shown in FIGS. 10 and 11 (in FIGS. The button 68a indicates no notification comment, and the detail button 68b indicates a notification comment). This notice comment is displayed in the area 81 in the example of FIG. 12, and a comment about the contract is written.

  Further, on this detailed information screen W5, the graph is obtained by clicking and selecting the death protection graph button 70, the table button 71, the hospitalization security graph button 72, the table button 73, the insurance fee graph button 74, and the table button 75, respectively. Or a table is displayed so that you can see their transitions at a glance. Note that buttons for displaying these graphs and tables are also displayed as graph buttons 72 and table buttons 73 on the medical security information screen W4 of FIG. 11, for example. That is, although not shown, a graph button 70 and a table button 71 are displayed for each contract on the screen displaying the death protection information in the area 52, and a graph button 74 is displayed on the screen displaying the insurance premium information in the area 52. A table button 75 is displayed for each contract.

  Here, for example, a transition table of hospitalization security is displayed as a screen W6 shown in FIG. Further, a graph showing the transition of hospitalization security is displayed as a screen W7 shown in FIG. Note that the screen W7 shown in FIG. 14 shows a graph at the time of illness, but when displaying a graph at the time other than illness, in the input box 82 displayed as a list by a drop-down menu, a desired item ( Injury, cancer, traffic accident, etc.) first. Then, the screen is updated by clicking the display button 83 with a mouse, and a graph in the case of the selected item is displayed.

Further, as described above, in this insurance information management system, as the display contents in the area 52, as shown in FIG. 15, it is possible to display information on the corporate accounting processing related to the asset recording amount, the deductible amount, etc. That is, when the operator selects corporate accounting processing as the display content, the Web application 20 functions as accounting means, performs accounting processing based on the contract insurance information of the group, and the Web application 20 outputs insurance information. It functions as a means to output and display the processing result on the screen.
For example, the corporate accounting processing information screen W8 shows accounting processing information when the contractor is “patent industry”, the insured is “all”, and the insurance company is “B life insurance”.

When this corporate accounting processing information screen W8 is displayed first, information for the current year is displayed. When displaying information for another year, a desired year is selected in the input box 84 displayed as a list from the drop-down menu, and the screen is updated by clicking the display button 85 with a mouse. Information is displayed.
Further, when viewing detailed information of accounting processing for each insurance, by clicking and selecting the details button 76 of the insurance to be viewed, for example, information for each year is displayed as in a detailed screen W9 shown in FIG. can do.

As described above, according to the first embodiment, in the insurance information management system according to the present invention, the contracted insurance information is centrally managed on a group basis, and the policyholders, insurance companies, By coding and managing all the insurers and using each as a search key, it is possible to display information according to various search conditions easily and reliably.
That is, in a plurality of contracted insurance that a corporation with a group ID is attached to, even if the insurance company, the contractor, the insured person, etc. are different for each insurance, the customer extracts desired information with the search key, You can browse all at once. Therefore, for example, it is possible to easily obtain information such as a total insurance amount applied to the same insured person from a plurality of existing contracted insurances of different contractors and insurance companies.

Further, since each contracted insurance is made into a database based on the insurance policy, it is possible to easily read and browse the detailed information of each.
In addition, since information related to accounting processing can be displayed, financial management of corporations and the like can be made easier.

  In the first embodiment described above, the case where an operator at the tax accountant office M browses insurance information has been described as an example. However, the corporations Q, R, and S who are consultants of the tax accountant office M are illustrated. Each can also view their own insurance policy information. In this case, the group selection screen shown in FIG. 9 is not displayed, and a basic information screen as shown in FIG. 10 is displayed after logging in using the login ID (group ID) and password given to each. . At the time of login by a group, the Web application 20 functions as an authentication unit, and authentication is performed by comparing the input group ID and password with the ID and password recorded in the group identification DB 33.

  Next, a second embodiment according to the present invention will be described with reference to FIGS. This second embodiment will be described as a mode in which functions are added to the first embodiment. Therefore, in the following description, FIGS. 1 to 16 used in the first embodiment are used as appropriate.

  FIG. 17 is a block diagram showing the configuration of the data server 30 in the second embodiment. As shown in the figure, in the second embodiment, in addition to the database in the data server 30 shown in FIG. 2 in the first embodiment, a risk management database (hereinafter referred to as risk management DB) 35 and An asset management database (hereinafter referred to as asset management DB) 36 is added. Among these, the risk management DB 35 is a database that records risk information such as short-term risk, refinancing risk, long-term risk of corporate / corporate activities in the group (corporation). In addition, the asset management DB 36 stores data for calculating the retirement amount of the president of the group (corporation), that is, executive remuneration (for example, the highest amount within the past 10 years), current retirement age, achievement multiple, etc. It is a database to record.

Next, a risk management diagnosis of a corporation performed by the information management company A using the risk management DB 35 will be described.
The worker in the information management company A previously stores data on short-term risk, refinancing risk, and long-term risk in corporate / corporate activities as information on corporate risk management on the risk management diagnosis operation screen (not shown). Input and register in the risk management DB 35.

  Short-term risk is the risk of short-term borrowings. For example, notes, payment checks, accounts payable, borrowings less than one year, unpaid money, deposits, advance payments, discount bills, employee salary for 3 months Etc. Examples of refinancing risks include borrowings of 1 year or more and less than 5 years, such as facility use, and borrowings that occur periodically (every year or more). Long-term risk is long-term borrowings of 5 years or more.

  After execution of the risk data, when an execution instruction for arithmetic processing is issued to the Web application 20 according to the operator's instruction, the Web application 20 functions as a risk management diagnosing unit, reads out necessary data from the risk management DB 35 and Executes management diagnosis calculation processing.

This risk management diagnosis process will be described based on the flowchart shown in FIG.
First, the Web application 20 (risk management diagnosis means) calculates the total amount of insurance money for the insurance period for the insurance provided to the president (owner) of the corporation (step S1 in FIG. 18). In addition, when this calculation result is represented on a graph, for example, a graph as illustrated in FIG. 19 is obtained.
Next, the data is read from the risk management DB 35, and the total borrowing amount for the borrowing period is calculated (step S2). When this calculation result is represented in a graph, for example, a graph as shown in FIG. 20 is obtained.

  Further, the Web application 20 calculates the necessary insurance amount based on the total borrowing amount and the tax rate applied to the insurance money (step S3). The required insurance amount is the minimum insurance amount that can cover the risk (total amount of borrowings) by taking the insurance proceeds after tax. For example, the necessary insurance amount is calculated as follows. If the tax rate on the insurance amount is 40%, for example, the amount obtained by multiplying the insurance amount by 0.6 is the take-up amount. In other words, it is only necessary that the proceeds are equal to the total borrowing amount. Therefore, when the tax rate on insurance money is 40%, the required insurance amount is calculated by dividing the total borrowing amount by 0.6.

In this way, the Web application 20 calculates the necessary insurance amount, and compares the change with the change of the total insurance amount. And it functions as an insurance information output means, the comparison calculation result is graphed as shown in FIG. 21, for example, and surplus / shortage of insurance money is displayed on the screen (step S4). That is, the graph indicated by the alternate long and short dash line in FIG. 21 shows the transition of the required insurance amount. If the insurance amount is less than the amount indicated by this graph, the amount is insufficient, and if the insurance amount is large, the amount is the excess amount. is there.
With the above processing, the information management company A can grasp at a glance whether the contract insurance amount is excessive or insufficient in the risk management of the corporation. For example, when the information management company A also serves as an insurance agent, it is possible to advise the corporation to review the contract insurance and provide more appropriate insurance products according to this result.

Next, a procedure for performing asset management diagnosis of a corporation using the asset management DB 36 in the information management company A will be described.
The worker in the information management company A inputs in advance all data for calculating the retirement allowance of the president (owner) as information related to the asset management of the corporation on the operation screen (not shown) for asset management diagnosis. And registered in the asset management DB 36.
The data for calculating the retirement allowance of the president is, for example, executive remuneration (the highest value within the past 10 years), current retirement age, and achievement multiple.
After the data for calculating retirement allowance is input, when an execution instruction for calculation processing is issued to the Web application 20 according to the operator's instruction, the Web application 20 functions as an asset operation diagnosis unit and is necessary from the asset operation DB Read the data and execute the calculation process of asset management diagnosis.

This asset management diagnosis process will be described based on the flowchart shown in FIG.
First, the Web application 20 (asset management diagnostic means) calculates the total cash surrender value for the lapse of years with respect to the insurance provided to the president (owner) of the corporation (step S11 in FIG. 22). In addition, when this calculation result is represented on a graph, for example, a graph as illustrated in FIG. 23 is obtained.
Next, the data is read from the asset management DB 36, and the retirement allowance necessary amount with respect to the passage of years is calculated (step S12). When this calculation result is represented in a graph, for example, a graph as shown in FIG. 24 is obtained.

Further, the Web application 20 performs a comparison operation on the transition of the total surrender value and the transition of the required amount of retirement allowance. Then, the Web application 20 functions as insurance information output means, graphs the comparison calculation result as shown in FIG. 25, for example, and displays the surplus / shortage of insurance money on the screen (step S13). In other words, in FIG. 25, the surrender return amount is less than the severance reserve amount with the passage of years, and the difference is a shortage amount.
With the above processing, the information management company A can grasp at a glance whether there is an excess or deficiency of the contract insurance amount in corporate asset management. For example, when the information management company A also serves as an insurance agent, it is possible to advise the corporation to review the contract insurance and provide more appropriate insurance products according to this result.

  As described above, according to the second embodiment of the present invention, in the risk management diagnosis of a corporation, the transition amount of the insurance amount applied to the president of the corporation and the transition of the risk relating to the corporation. By comparing with, it is possible to grasp at a glance whether there is an excess or deficiency of the existing insurance policy, and to give appropriate advice to the corporation. In addition, in the asset management diagnosis of a corporation, the amount of surrender of insurance contracts is exceeded by comparing the amount of surrender and withdrawal of insurance paid to the president (owner) of the corporation with the amount of retirement payment of the president. The shortage can be grasped at a glance, and appropriate advice can be given to the corporation. That is, when the information management company A also serves as an insurance agent, more appropriate insurance products can be provided to corporations.

  In the second embodiment, the case where the information management company A performs the risk management diagnosis and the asset management diagnosis of the corporation has been shown. This is performed by a tax accountant office or the like to which the user ID is given. Also good. That is, by making these diagnoses, a tax accountant or the like can give more appropriate advice to the legal entity of the adviser.

In the first and second embodiments described above, the insurance information management program software may be provided in a state of being recorded on a computer-readable recording medium or on-line such as the Internet. May be provided.
In this insurance information management system, the number of users and groups registered in this system is not limited.
Moreover, in the said embodiment, although the tax accountant M was applied as a 1st customer and corporation Q, R, S, ... was applied as a 2nd customer, it was not restricted to this but the 1st customer As a corporation, you may apply that employee as a second customer. When applied in this way, a corporation can efficiently manage insurance and asset management information related to its employees.

  The present invention provides an insurance information management system, an insurance information management method, an insurance information management program, which centrally manages information on one or a plurality of contracted insurances in units of groups and provides the insurance information to customers via a communication line, And a computer-readable recording medium in which the program is recorded, and is preferably used in, for example, an insurance agent, a tax accountant office, a corporation, or the like.

FIG. 1 is a block diagram schematically showing a schematic configuration of an insurance information management system in the first embodiment. FIG. 2 is a block diagram showing a database configuration example in the data server of FIG. FIG. 3 is a diagram illustrating an example of a table included in the user identification DB. FIG. 4 is a diagram illustrating an example of a table included in the group identification DB. FIG. 5 is a diagram illustrating an example of a table included in the contract insurance DB. FIG. 6 is a diagram illustrating an example of another table included in the contract insurance DB. FIG. 7 is a diagram illustrating an example of an input form for registering data in the contract insurance DB. FIG. 8 is a diagram illustrating an example of a login screen on the Web browser. FIG. 9 is a diagram illustrating an example of a group selection screen on the Web browser. FIG. 10 is a diagram illustrating an example of a basic information display screen on a Web browser. FIG. 11 is a diagram illustrating an example of a medical security display screen on a Web browser. FIG. 12 is a diagram illustrating an example of a detailed information display screen on the Web browser. FIG. 13 is a diagram showing an example of a display screen of the hospitalization security transition table on the Web browser. FIG. 14 is a diagram illustrating an example of a display screen of the hospitalization security transition graph on the Web browser. FIG. 15 is a diagram illustrating an example of a display screen for corporate accounting processing on a Web browser. FIG. 16 is a diagram illustrating an example of a detailed information display screen for corporate accounting processing on a Web browser. FIG. 17 is a block diagram illustrating a database configuration example in the data server in the second embodiment. FIG. 18 is a flowchart of risk management diagnosis processing. FIG. 19 is a graph schematically showing the transition of the insurance amount of a corporation in the risk management diagnosis process. FIG. 20 is a graph schematically showing the borrowing amount of a corporation and its period in the risk management diagnosis process. FIG. 21 is a graph of the results of the risk management diagnosis process. FIG. 22 is a flowchart of asset management diagnosis processing. FIG. 23 is a graph schematically showing the transition of the insurance surrender of the corporate president in the asset management diagnosis process. FIG. 24 is a graph schematically showing the transition of the required amount of retirement allowance for the corporate president in the asset management diagnosis process. FIG. 25 is a graph showing the results of the asset management diagnosis process. FIG. 26 is a block diagram showing a schematic configuration of a conventional insurance information system.

Explanation of symbols

5 Internet network 10 Internet server 11 Information terminal 20 Web application (search means, insurance information output means, authentication means, accounting means, risk management diagnosis means, asset management diagnosis means)
30 Data server 31 DB management system 32 Group specific DB (customer specific database)
33 User specific DB (customer specific database)
34 Contract Insurance DB (Contract Insurance Database)
35 Risk Management DB (Risk Management Database)
36 Asset Management DB (Asset Management Database)
A Information management company M Tax accountant (first customer)
Q corporation (second customer)
R corporation (second customer)
S corporation (second customer)

Claims (13)

An insurance information management system that centrally manages information on a plurality of contracted insurances of different insurance companies in units of groups and provides the insurance information to customers via a communication line,
The customer is classified into a second customer entrusted with the management and a first customer entrusted with the management from one or a plurality of second customers, and an existing contract for the second customer In an insurance information management system in which insurance is managed as a group, and the insurance information is provided to the first customer and the second customer via a communication line,
In order to identify the second customer and to be able to view only the self-contracted insurance information, a group identification database recording at least a group ID for identifying the second customer, and the first customer are identified. In order to enable the first customer to view the contracted insurance information of the second customer entrusted with the management, at least a user ID for identifying the first customer is recorded and the user ID A customer specific database having a user specific database that records group IDs that can be viewed;
A contract insurance database in which the information on the existing insurance is recorded as information including a group ID and a plurality of search keys;
Search means for searching for relevant insurance information from the contract insurance database by a search key including any one of an insurance policyholder, an insured person, and an insurance company entered by a customer on the operation screen;
Insurance information output means for outputting on the screen the insurance information searched by the search means;
An authentication means for authenticating the first customer or the second customer with reference to the customer identification database based on the user ID or group ID input from the operation screen by the customer;
For the first customer authenticated by the authentication means, the group ID that can be browsed by the user ID is obtained from the user identification database, and the policy insurance information having the group ID that can be browsed by the user ID is obtained. It can be read from the contract insurance database and viewed.
An insurance information management system characterized in that, for the second customer authenticated by the authentication means, only the contract insurance information having its own group ID can be read from the contract insurance database and browsed. Further comprising accounting means for performing accounting processing based on the insurance information searched by the search means,
The insurance information management system according to claim 1, wherein the insurance information output unit outputs a result processed by the accounting unit on a screen. A risk management database that records information related to the group's risks in group units;
Risk management diagnostic means for performing risk management diagnostic processing based on the information recorded in the risk management database and the insurance information recorded in the contract insurance database;
The insurance information management system according to claim 1, wherein the insurance information output unit outputs a result processed by the risk management diagnosis unit on a screen. An asset management database in which information related to asset management of the group is recorded in group units;
Asset management diagnosis means for performing asset management diagnosis processing based on the information recorded in the asset management database and the insurance information recorded in the contract insurance database;
4. The insurance information management system according to claim 1, wherein the insurance information output unit outputs a result processed by the asset management diagnosis unit on a screen. An insurance information management method executed by each means of the insurance information management system according to any one of claims 1 to 4,
Referring to a customer identification database having a group identification database and a user identification database based on the user ID or group ID input by the customer from the operation screen, and authenticating the first customer or the second customer;
For the first customer authenticated by the authentication means, the group ID that can be browsed by the user ID is obtained from the user identification database, and the policy insurance information having the group ID that can be browsed by the user ID is obtained. A step of reading out from the contract insurance database and making it available for browsing, and for the second customer authenticated by the authentication means, reading out only the existing policy insurance information having its own group ID from the contract insurance database and making it available for browsing. When,
Corresponding by the search key that includes the policyholder, the insured person, or the insurance company entered from the operation screen by the customer from the contract insurance database in which the information on the existing insurance is recorded as information including multiple search keys. Searching for insurance information;
Outputting the insurance information searched by the search means on a screen;
An insurance information management method comprising: Performing accounting processing based on the retrieved insurance information;
The insurance information management method according to claim 5, further comprising a step of outputting the result of the accounting process on a screen. Performing risk management diagnosis processing based on information recorded in a risk management database in which information relating to risk of the group is recorded in group units and insurance information recorded in the contract insurance database;
The insurance information management method according to claim 5 , further comprising a step of outputting the processing result of the risk management diagnosis on a screen. Performing asset management diagnosis processing based on information recorded in the asset management database in which information related to asset management of the group is recorded in group units and insurance information recorded in the contract insurance database;
Insurance information management method according to any of claims 5 to 7, characterized in that it comprises a step of outputting the processing result of the asset management diagnosis on the screen. In the insurance information management program used in the insurance information management system according to any one of claims 1 to 4,
On the computer,
Referring to a customer identification database having a group identification database and a user identification database based on the user ID or group ID input by the customer from the operation screen, and authenticating the first customer or the second customer;
For the first customer authenticated by the authentication means, the group ID that can be browsed by the user ID is obtained from the user identification database, and the policy insurance information having the group ID that can be browsed by the user ID is obtained. A step of reading from the contract insurance database and making it possible to read, and for the second customer authenticated by the authentication means, reading only the existing policy insurance information having its own group ID from the contract insurance database and making it viewable When,
Corresponding by the search key that includes the policyholder, the insured person, or the insurance company entered from the operation screen by the customer from the contract insurance database in which the information on the existing insurance is recorded as information including multiple search keys. Searching for insurance information;
Outputting the insurance information searched by the search means on a screen;
An insurance information management program characterized in that Performing accounting processing on the computer based on the retrieved insurance information;
The insurance information management program according to claim 9, further comprising: outputting the result of the accounting process on a screen. Performing risk management diagnosis processing on the basis of information recorded in a risk management database in which information relating to the risk of the group is recorded in a group unit and insurance information recorded in the contract insurance database;
The insurance information management program according to claim 9 or 10 , wherein a step of outputting the processing result of the risk management diagnosis on a screen is executed. Performing asset management diagnosis processing on the basis of information recorded in the asset management database in which information related to asset management of the group is recorded on a computer basis and insurance information recorded in the contract insurance database;
The insurance information management program according to any one of claims 9 to 11 , further comprising a step of outputting the processing result of the asset management diagnosis on a screen. A computer-readable recording medium on which the insurance information management program according to any one of claims 9 to 12 is recorded.

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