JP4476475B2 - Insurance application server system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an insurance application system using the Internet.
[0002]
[Prior art]
Conventionally, insurance contracts have been made by the applicant obtaining the necessary application form through an agency, filling in the necessary items, signing and sealing it, and creating and submitting the application form. .
[0003]
Recently, with the spread of the Internet, insurance product introductions and design simulations are provided on the web, and application documents are also provided by mail or in the form of data to applicants. .
[0004]
[Problems to be solved by the invention]
In the future, however, it is desirable not only to provide application forms but also to gradually advance application procedures online. Therefore, it is required to efficiently execute insurance application processing in response to various requests of users regarding application and payment of insurance premiums. In addition, when the procedure is performed online via the Internet or the like, it is necessary to ensure the security of important information and payment information accompanying the contract.
[0005]
The present invention has been made in view of the above points, and an object thereof is to provide an insurance application system capable of smoothly and reliably performing an insurance application procedure in various forms using the Internet.
[0006]
[Means for Solving the Problems]
The invention according to claim 1 is an insurance application server system connected to a user terminal, an insurance company terminal and an agency terminal through a network, a database for storing electronic forms corresponding to various insurance product application forms, and a user terminal A means for receiving the designation of the insurance application method by the user, an electronic form display means for obtaining an electronic form corresponding to the application form of the insurance product designated by the user from the database, and transmitting and displaying the electronic form on the user terminal; A procedure execution means for executing an insurance application procedure corresponding to the insurance application method designated by the user , wherein the procedure execution means receives provisional application data from the user terminal according to the designation of the insurance application method by the user, and When the contract completion notification is received from the agency terminal, the contract data is sent to the insurance company terminal. And a second process of receiving provisional application data from the user terminal and transmitting application form data to the user terminal, and receiving contract completion notification from the insurance company terminal and transmitting contract data to the insurance company terminal. The third process of receiving the application data from the user terminal and transmitting the contract data to the insurance company terminal is executed .
[0007]
According to the system configured as described above, an electronic form corresponding to an application form for insurance products designated by the user is displayed on the user terminal, and the user inputs necessary items thereto. The application procedure is executed according to the application method designated by the user.
[0008]
The application procedure is executed according to the application method designated by the user.
[0009]
Invention according to claim 2, in the insurance application server system according to claim 1, wherein the procedure execution unit, in the third process, whether an electronic signature to the application data received from the user is attached Check and send contract data only when an electronic signature is attached. Thus, the insurance application can be completed online by using the electronic signature.
[0010]
According to a third aspect of the invention, there is provided the insurance application server system according to the first or second aspect , further comprising means for creating security data based on the contract data and transmitting the security data to a user terminal. Thereby, it can be completed by online processing until issuance of insurance policy.
[0011]
According to a fourth aspect of the present invention, in the insurance application server system according to the third aspect , at least one of the electronic signature of the insurance application server system and the insurance company is attached to the securities data. As a result, the user can confirm that the securities data is authentic.
[0012]
A fifth aspect of the present invention is the insurance application server system according to any one of the first to fourth aspects, further comprising means for recording a log of processing performed by each means. Thereby, a record of the procedure can be kept and used for confirmation, certification, etc. when necessary.
[0013]
A sixth aspect of the present invention is the insurance application server system according to the fifth aspect , further comprising means for presenting the log record in response to a request from a user terminal or the insurance company terminal. Thereby, a user or an insurance company can acquire a log record.
[0014]
The invention according to claim 7 is the insurance application server system according to any one of claims 1 to 6 , wherein the procedure execution means receives the input data input by the user from the user terminal. An electronic signature is attached to the data as a receipt confirmation, and input data with the electronic signature is handled as the application data. Therefore, the reliability of online application can be improved by confirming receipt using an electronic signature.
[0015]
The invention according to claim 8 is the insurance application server system according to any one of claims 1 to 7 , wherein the procedure execution means obtains data indicating the authentication of the user from a predetermined certification body. As a condition, the insurance application procedure is executed. As a result, it is possible to eliminate an illegal insurance application by a person other than the principal.
[0016]
DETAILED DESCRIPTION OF THE INVENTION
Preferred embodiments of the present invention will be described below with reference to the drawings.
[1] System Configuration FIG. 1 shows a schematic configuration of an insurance application system according to an embodiment of the present invention. In FIG. 1, the terminal 2 of the user who is the applicant for insurance, the terminal 5 of the sales office of the insurance company, the terminal 6 of the insurance agency, the terminal 8 of the insurance company, and the user's insurance application on behalf of the insurance company A server 10 of company A acting as a procedure is connected via the Internet 1.
[0017]
Company A operates an insurance company website on the web, and in addition to introducing insurance products and designing simulations, it performs insurance application procedures. The company A server 10 has an electronic form database 13 in which electronic forms of application forms corresponding to various insurance products are stored. When the user selects a predetermined insurance product on the web of the company A server, the company A server 10 acquires the electronic form data of the insurance product application form from the electronic form database 13. Company A mails an application form (paper medium) to the user according to the user's request, or transmits it to the user's terminal 2 via the Internet 1 as an electronic form. The company A server 10 is connected to the print factory 12. The print factory 12 prints a paper medium such as an insurance application form or insurance policy based on an instruction from the company A, and performs mailing to the user.
[0018]
The user terminal 2 is connected to the printer 3 as necessary. When the user obtains an insurance application form from the company A server 10 in the form of an electronic form, the user can obtain an application form on paper medium by printing out the electronic form using the printer 3.
[0019]
Further, the user terminal 2 can be provided with an IC card reader (not shown), and the user can use the information in the IC card 4 by inserting his own IC card 4. A secret key or the like used for electronic signature assignment to be described later can be stored in the IC card 4. As a result, the user can easily use a shared terminal installed at the office.
[0020]
The agency terminal 6 includes a printer 7 for printing out temporary application data transmitted from the company A and creating an application form.
[0021]
Next, an outline of the insurance application procedure using the system of FIG. 1 will be described. First, the user visits the website operated by the company A server 10 using the terminal 2, determines the insurance product to be applied by introducing the insurance product and simulating as necessary, and obtains the application form To do. The application form is stored in the electronic form database 13 in the form of an electronic form, and based on this, the user acquires the application form in the form of either a paper medium or electronic data. The user can select which form to obtain the application form.
[0022]
Next, the user visits the agency and fills in the application form, mails the application form to the insurance company, or sends the application form as application data to the insurance company via the company A, thereby performing the application process. In addition, the user pays the insurance premium at the agency or pays the insurance premium using online payment. When the insurance payment is completed and the insurance contract is established, an insurance policy is created and sent to the user who is the contractor. The insurance policy can also be provided to the user in the form of electronic data. An insurance policy can also include a policy.
[0023]
Next, insurance application processing by the insurance application system using the system of FIG. 1 will be described in detail.
[0024]
FIG. 2 shows a flow of insurance application processing by the insurance application system of the present invention. First, the user uses the terminal 2 to access the insurance sales web operated by the company A (step S101), and introduces insurance products and performs design simulation to select the insurance products (step S102). When the insurance product is selected, the company A server 10 displays a selection screen for an application method for the user and selects a desired application method. An example of an application method selection screen is shown in FIG. Method A is a method in which a user visits an agency and contracts with the agency. Method B is a method in which an application form for paper media is mailed to the user, and the user signs and seals it and mails it to the insurance company. Method C is a method in which the application form data is transmitted to the user terminal 2, the user prints it out, creates an application form, signs and seals it, and mails it to the insurance company. Method D is a method of applying online via the Internet. When the user selects a desired application method (step S103), application processing is performed according to that method (steps S104 to S107). In this way, the user can apply for insurance in a manner desired by the user.
[0025]
Next, a subroutine for each application method will be described.
[2] Method A
First, the method A will be described with reference to FIG. Method A is a method in which a user visits an agency and makes an application.
[0026]
In FIG. 4, the user first makes a provisional application (step S1). Specifically, the company A server 10 acquires the electronic form of the application form for the insurance product designated by the user in step S102 from the electronic form database 13, and transmits it to the user terminal 2 for display. The user inputs an address, name, and other necessary items on the terminal screen. When the user completes the input, the company A server 10 stores the data as provisional application data. In this case, the company A server 10 may store both the electronic form data and the user input data as a set, or may store only the user input data.
[0027]
Next, the company A server 10 transmits provisional application data to the agency terminal 6 (step S2). When the user visits the agency, the clerk reads the provisional application data from the agency terminal 6, prints it out with the printer 7 and forms an application form (step S3). The user confirms the contents of the application form, signs and seals it, and pays an insurance fee to make a contract (step S4).
[0028]
When the contract is completed, a message to that effect is transmitted from the agency terminal 6 to the company A server 10 (step S5). The company A server first transmits the contract data to the print factory (step S6), and the print factory creates an insurance policy based on the contract data and mails it to the user (step S7). The company A server transmits the contract data to the insurance company terminal 8 (step S8), and further transmits the contract data to the sales office terminal 5 for reporting the business office (step S9). Thus, the insurance application by the method A is completed.
[3] Method B
Next, the application by the method B will be described with reference to FIG. Method B is a method of applying by mail using an application form received by the user by mail.
[0029]
In FIG. 5, the user first makes a provisional application (step S11). Specifically, the company A server 10 acquires the electronic form of the application form for the insurance product designated by the user in step S102 from the electronic form database 13, and transmits it to the user terminal 2 for display. The user inputs an address, name, and other necessary items on the terminal screen. When the user completes the input, the company A server 10 stores the data as provisional application data. The user can pay the insurance premium by online payment at the same time.
[0030]
Next, the company A server 10 transmits provisional application data to the print factory 12 (step S12). The print factory 12 prints the received provisional application data and creates an application form (paper medium). In this application form, the matter entered by the user in step S11 is printed. The print factory 12 mails the application form to the user (step S13). The user receives the mailed application form, confirms the contents, and signs and seals it. And it mails to an insurance company and applies (step S14).
[0031]
The insurance company receives the application form, establishes an insurance contract (step S15), and reports the contract completion to the company A server 10 (step S16). The company A server first transmits the contract data to the print factory (step S17), and the print factory creates an insurance policy based on the contract data and mails it to the user (step S18). The company A server transmits the contract data to the insurance company terminal 8 (step S19), and further transmits the contract data to the sales office terminal 5 for reporting the sales office and to the agency terminal 6 for reporting the agency. (Step S20). Thus, the insurance application by the method B is completed.
[4] Method C
Next, the application by the method C will be described with reference to FIG. Method C is a method in which the user creates an application form using the application form data transmitted to the user terminal 2 and applies by mail.
[0032]
In FIG. 6, the user first makes a provisional application (step S21). Specifically, the company A server 10 acquires the electronic form of the application form for the insurance product designated by the user in step S102 from the electronic form database 13, and transmits it to the user terminal 2 for display. The user inputs an address, name, and other necessary items on the terminal screen. When the user completes the input, the company A server 10 stores the data as provisional application data. The user can pay the insurance premium by online payment at the same time.
[0033]
Next, the company A server 10 transmits application form data to the user terminal 2 (step S22). The user creates the application form (paper medium) by printing the received application form data with the printer 3 (step S23). This application form includes the items input by the user in step S21. The user confirms the content, and signs and seals it. And it mails to an insurance company and applies (step S24).
[0034]
The insurance company receives the application form, establishes an insurance contract (step S25), and reports the completion of the contract to the company A server 10 (step S26). The company A server first transmits the contract data to the print factory (step S27), and the print factory creates an insurance policy based on the contract data and mails it to the user (step S28). The company A server transmits the contract data to the insurance company terminal 8 (step S29), and further transmits the contract data to the sales office terminal 5 for reporting the sales office and to the agency terminal 6 for reporting the agency. (Step S30). Thus, the insurance application by the method C is completed.
[5] Method D
Next, the application by the method D will be described with reference to FIG. Method D is a method in which the user applies online using the user terminal 2.
[0035]
In FIG. 7, the user first makes an application (step S31). Specifically, the company A server 10 acquires the electronic form of the application form for the insurance product designated by the user in step S102 from the electronic form database 13, and transmits it to the user terminal 2 for display. The user inputs an address, name, and other necessary items on the terminal screen, and adds an electronic signature. The electronic signature is created using the user's private key stored in advance in the user terminal 2 or the IC card 4 or the like. This electronic signature corresponds to the signature / sealing performed by the user on the application form for the paper medium in the methods A to C. Therefore, the server 10 does not handle the application data as formal when the electronic signature is not attached. The application data to which the electronic signature is given is transmitted to the A company server 10 as the main application data, and an application is made.
[0036]
The company A server 10 receives the present application data from the user terminal 2 and gives an electronic signature of the company A and / or the insurance company in the sense of confirming acceptance of the application. This establishes a contract. The company A server 10 transmits the contract data to the insurance company (step S32). The insurance company terminal 8 performs reception confirmation using an electronic signature. The company A server 10 transmits the contract data to the print factory (step S33), and the print factory creates an insurance policy based on the contract data and mails it to the user (step S34). Further, the insurance company terminal 8 transmits the contract data to the sales office terminal 5 for reporting the sales office and to the agency terminal 6 for reporting the agency (step S35). Thus, the insurance application by the method D is completed.
[0037]
The insurance policy can also be provided to the user in the form of electronic data. In that case, the company A server 10 creates insurance policy data as electronic data and transmits it to the user terminal 2 (step S33 ′).
[0038]
In method D, receipt confirmation using an electronic signature is performed when various data are transmitted and received. In one method, the sender of the data sends the data with its own electronic signature, and the receiver verifies the sender's electronic signature by decrypting it using the corresponding public key. If the verification is performed correctly, it is proved that the data has been transmitted from the sender and has not been altered. Another method creates an electronic signature using its own private key based on the data received by the data recipient, and returns it as a proof to the sender. The sender receives this, and uses the recipient's public key to decrypt and verify the electronic signature. If the verification is performed correctly, it is understood that the data has been correctly received.
[0039]
Thus, according to the insurance application system of the present invention, the user can apply for insurance efficiently and reliably in the form desired by the user.
[0040]
In the above methods A to D, the company A server 10 stores the data transmitted and received in each step. In addition to this, a history (log record) of procedures executed in each step is stored. That is, the date and time when provisional application or main application was received from the user terminal 2, the date and time when temporary application data was transmitted to the agency terminal 6 or the print factory 12, the contract with the insurance company terminal 8, the sales office terminal 5 and the agency terminal 6 A history of processing performed in each step such as date and time of data transmission is stored. Therefore, if a question arises about the success or failure of the procedure or the time when the procedure is completed, the company A can provide log records regarding the procedure to the user or the insurance company. The date and time of completion of this application and online payment of insurance premiums may also have a role of determining the date and time of establishment of the insurance contract. Therefore, this log record is particularly useful because it functions as a kind of proof when a problem occurs between the contractor and the insurance company regarding the establishment of the insurance contract.
[0041]
In the details of the methods A to D described above, the processing procedure is merely an example, and various changes such as a change in the procedure and the presence or absence of a signature can be added. For example, an application form or insurance policy can be printed or mailed in the company A server 10 instead of the print factory 12. In each method, the order in which the company A server 10 transmits the contract data to the insurance company terminal 8, the sales office terminal 5, and the agency terminal 6 can be changed. Further, the company A server can inform the user of the progress of the application procedure based on the stored log record.
[0042]
In the method D, an electronic signature is given to various data as necessary at each step of the application procedure, but it is also possible to attach an electronic signature to a part of the data instead of the entire data. For example, a user or company A can independently give a signature to data related to online payment.
[0043]
Also, the electronic signature to be given in a certain step can be limited to a specific one. For example, in the example of FIG. 7, the electronic signature that the user should give to the application data is limited to only the electronic signature registered for online payment, and the company A server does not accept the application with other electronic signatures. 10 can also be configured. At that time, a function of automatically selecting and giving a registered electronic signature from a plurality of electronic signatures possessed by the user can be added to the electronic form of the application form transmitted to the user terminal 2.
[0044]
In addition, an electronic signature private key can be stored in an IC card carried by the user, and an insurance application can be made using a shared terminal. In this way, the user can perform a procedure using a shared terminal installed in a company or the like. In this case, the user's private key necessary for giving an electronic signature can also be extracted from the IC card and used. In addition, when an electronic signature is added to the application data in Method D, the user temporarily reads the application data in which necessary items have been input into the IC card, and performs an electronic signature application process in the IC card. The application data can be created with an electronic signature. This method is superior in terms of security because it is not necessary to read the user's private key into a shared terminal or the like and it is not necessary to move it out of the IC card.
[0045]
The company A server 10 can store the original data of the contract data and provide the backup data to an insurance company, etc., or provide the original data to the insurance company and the company A can store the backup data and back it up. Data can also be sent to sales offices and agencies. Company A can also store only the electronic signature of the user assigned to the application data.
[0046]
Further, the company A server can be configured to establish an insurance contract only when the user's identity is obtained by a specific institution in the user's insurance application procedure. For example, the user registers in advance with a certification authority, and the insurance contract is established on the condition that the company A server obtains data indicating that the user's personal authentication process has been successful by the certification authority from the certification authority. The system can be configured to do so.
[0047]
【The invention's effect】
As described above, according to the present invention, it is possible to efficiently and reliably apply for insurance in various forms using the Internet.
[Brief description of the drawings]
FIG. 1 shows a schematic configuration of an insurance application system according to the present invention.
FIG. 2 is a flowchart showing a flow of an insurance application procedure.
FIG. 3 is an example of an insurance application method selection screen.
FIG. 4 shows an example of an insurance application method.
FIG. 5 shows another example of an insurance application procedure.
FIG. 6 shows still another example of the insurance application procedure.
FIG. 7 shows still another example of the insurance application procedure.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Internet 2 ... User terminal 3 ... Printer 4 ... IC card 5 ... Sales office terminal 6 ... Agency terminal 7 ... Printer 8 ... Insurance company terminal 10 ... Company A server 12 ... Print factory 13 ... Electronic form database

Claims (8)

In the insurance application server system connected to the user terminal, insurance company terminal and agency terminal through the network,
A database that stores electronic forms corresponding to various insurance product application forms;
Means for receiving designation of insurance application method by the user from the user terminal;
An electronic form display means for acquiring an electronic form corresponding to the application form of the insurance product designated by the user from the database, and transmitting the electronic form to the user terminal;
A procedure execution means for executing an insurance application procedure corresponding to the insurance application method designated by the user;
Equipped with a,
The procedure execution means includes
In accordance with the designation of the insurance application method by the user, a first process of receiving provisional application data from the user terminal and transmitting it to the agency terminal, and receiving contract completion notification from the agency terminal, and sending contract data to the insurance company terminal;
A second process of receiving provisional application data from the user terminal, transmitting application form data to the user terminal, and receiving contract completion notification from the insurance company terminal, and transmitting contract data to the insurance company terminal;
A third process of receiving the application data from the user terminal and transmitting the contract data to the insurance company terminal;
Insurance application server system running one of the. The procedure executing means, in the third process, checks whether the electronic signature to the application data received from the user is attached, to claim 1 for transmitting contract data only if the electronic signature is attached The insurance application server system described. The insurance application server system according to claim 1 or 2, further comprising means for creating securities data based on the contract data and transmitting the securities data to a user terminal. The insurance application server system according to claim 3 , wherein at least one electronic signature of the insurance application server system and the insurance company is attached to the securities data. The insurance application server system according to any one of claims 1 to 4 , further comprising means for recording a log of processing performed by each means. 6. The insurance application server system according to claim 5 , further comprising means for presenting the log record in response to a request from a user terminal or the insurance company terminal. The said procedure execution means attaches the electronic signature as a receipt confirmation to the said input data, when the input data which the said user input is received from the said user terminal, and treats the input data with an electronic signature as this application data. The insurance application server system according to any one of 1 to 6 . The insurance application server system according to any one of claims 1 to 7 , wherein the procedure execution means executes the insurance application procedure on the condition that data indicating personal authentication of the user is obtained from a predetermined certification authority.

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