JP4518735B2 - Insurance window sales method and system in financial institutions - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a computer terminal provided for selling insurance products at a financial institution such as a bank, an insurance sales method operating on a server to which the computer terminal is connected, and a system therefor.
[0002]
[Prior art]
In the near future, banking and other financial institutions will no longer be able to sell some insurance products at the counter, and the service is expected to expand in the future. When a bank sells insurance products, it may be possible to use an insurance company joint gateway and various services for connecting to the insurance company, as in the case of a conventional insurance agent.
[0003]
This insurance company joint gateway is a network gateway whose specifications are formulated and constructed by the insurance company joint gateway promotion council. As shown in FIG. 1, a plurality of former insurance companies 2 are connected to the end of the gateway 1 by dedicated lines. By connecting to the gateway 1, the insurance agent 3 can perform online connection to a plurality of insurance companies 2, file transfer, and the like with a single sign-on (single sign-on) operation using a browser.
[0004]
Various services for connecting to the joint gateway 1 have been provided by a plurality of companies in the past. By using these services, the insurance agent 3 does not have to build a new system in itself. The gateway 1 can be used. Further, these conventional gateway connection services are generally configured to provide an insurance contract management system 7 including an insurance DB 5 and a customer attribute DB 6 by means such as ASP. For this reason, the insurance agent 3 can leave most of the product type and customer management work to these service providers.
[0005]
Therefore, it is conceivable to use such an existing insurance company joint gateway connection service in insurance window sales at banks.
[0006]
[Problems to be solved by the invention]
By the way, when using the above existing service, it is necessary to set up the customer attribute DB 6 in the gateway connection providing company, so that the bank needs to notify the service providing company and the insurance company 2 of the customer's information. That is, in the bank, the insurance sales destination is a customer who has an account in his / her bank, and customer specific information such as a branch number and an account number unique to the customer needs to be passed to the insurance company 2 and the service provider. Occurs.
[0007]
When the service provider accepts the transfer of the insurance application from the bank or the insurance company 2, the contents of the insurance contract are registered in the insurance DB 5 with the customer specific information as a key as described above. . In order to make this possible, a registration field for transmitting such customer specific information is provided in the common file format of the insurance joint gateway currently provided.
[0008]
However, it is not preferable for a bank to have such customer-specific information on the outside for various reasons. In addition, it is assumed that such information will be changed in the future, such as the consolidation of branch offices, and in such a case, a procedure for notifying the outside will occur.
[0009]
The present invention has been made in view of such circumstances, and an insurance sales method capable of performing window sales of insurance products and the like without providing information used to identify customers in the bank to the outside, and therefore It aims at providing the system of.
[0010]
[Means for Solving the Problems]
In order to solve the above-mentioned problem, according to a first aspect of the present invention, there is provided an insurance sales method executed on a computer system installed in a bank, wherein a customer who applies for insurance has an account in the bank. And if the person making the insurance application is a customer who has an account, a provisional contract ID unique to the bank is given to the application, and the insurance company together with information related to the insurance application A process for sending the information for approval, a process for registering the insurance application information in the reception management database (DB) together with the provisional contract ID, and a response (examination) result from the insurance company that examined the insurance application. along with the receive and the temporary contract ID related to the insurance application and, in the case where the insurance application is approved, from the insurance company, the temporary contract ID and the insurance company is the contract A step of receiving the contract processing information including the contents of the generated contract ID and the insurance contract in order to identify, based on the temporary contract ID received from the insurance company, the contract processing information and the at the reception management DB Matching with the customer who applied for insurance and storing information for referring to all or part of the information included in the contract processing information in association with the account information (branch number, account number, etc.) of the customer; When the insurance contract is established, the information on the insurance application registered in the reception management DB is taken out, and the contract ID is added to the information and registered in the insurance contract database (DB). From the insurance company, receive change information about the contents of the insurance contract and a update step of updating the contents of the insurance contract, the temporary contract ID, only managing the insurance application Unique number that Bank purposes is produced separately from the account information, a symbol or a combination thereof, wherein the the contract ID to the insurance company generated are different is provided. The information relating to the insurance application transmitted to the insurance company does not include the account information of the customer used in the bank.
[0011]
According to such a configuration, the provisional contract ID generated by the financial institution is used to identify the insurance application, so that the insurance product can be used without providing the information used for identifying the customer in the bank. You can communicate with the company and sell insurance products at the counter.
[0012]
According to one embodiment of the present invention, when the insurance is variable insurance, the contract processing information includes information on the quantity (unit number) related to the insurance contract. Further receives and stores the information of the updated market value (unit unit price) of the variable insurance, and calculates the funded amount of the variable insurance from the market price information and the quantity information related to the insurance contract. Process.
[0013]
According to another embodiment of the present invention, the contract processing information stored in association with the customer specifying information includes the contract ID generated for specifying the contract by the insurance company and the insurance contract. And at least content. In addition, it is preferable that the method further includes a step of receiving variation information relating to the content of the insurance contract and updating the content of the insurance contract.
[0014]
According to a second main aspect of the present invention, there is an insurance sales system installed in a bank, the means for determining whether the person who applies for insurance is a customer who has an account in the bank, and the insurance application If the customer who has an account is a customer who has an account, a reception management database (DB) that assigns a temporary contract ID unique to the bank to the application and stores it together with information on the insurance application, information on the insurance application, A means for transmitting the provisional contract ID to the insurance company for approval, and a response (examination) result and the provisional contract ID for the insurance application from the insurance company that reviewed the insurance application, including when the insurance application is approved, from the insurance company, and the content of the temporary contract ID and the insurance company the contract ID and the insurance contract that is generated in order to identify the contract Based on the means for receiving the contract processing information and the provisional contract ID returned from the insurance company, the reception management DB matches the contract processing information with the customer who applied for the insurance, and is included in the contract processing information. Means for storing information for referring to all or part of the information in association with the customer's account information (branch number, account number, etc.), and when the insurance contract is established, the information registered in the reception management DB retrieve information about the insurance application has a insurance contract database for registering by adding the contract ID to, from the insurance company, and means for updating the contents of the insurance contract receives the variation information about the content of the insurance contract The temporary contract ID is a unique number, symbol generated by the bank separately from the account information for the purpose of managing the insurance application only, A combined, system characterized in that the contract ID to the insurance company generated are different is provided.
[0015]
According to such a configuration, a system for executing the insurance sales method according to the first aspect can be obtained.
[0016]
It should be noted that features and remarkable effects other than those described above of the present invention will be clarified in the following embodiments of the present invention.
[0017]
DETAILED DESCRIPTION OF THE INVENTION
In the following, an embodiment of the present invention will be described taking as an example the case where variable personal annuity insurance is sold at a bank. The insurance products to be sold are not limited to this variable personal annuity insurance.
[0018]
In FIG. 2, reference numeral 9 denotes the insurance sales system of this embodiment. This insurance sales system 9 is installed in a bank and connected to a LAN 10 in the bank. If only the system related to this embodiment is mentioned, the LAN 10 is connected to a terminal 11 for window sales of insurance products and a backbone system 13 having a customer attribute DB 12.
[0019]
The insurance product window sales terminal 11 may be a normal business personal computer, and is installed at the insurance product sales window. Then, a browser is started on the terminal 11 and a predetermined insurance sales address is set to connect to the insurance sales system 9 via the in-line LAN 10.
[0020]
The insurance sales system 9 is connected to the insurance company joint gateway 14 so that data can be transferred to a plurality of different insurance companies 15 by a single sign-on operation.
[0021]
As shown in this figure, the insurance sales system 9 includes an insurance application receiving unit 16 that transmits a program for receiving applications to the terminal 11, and a customer determination unit that determines whether the insurance applicant is a customer of the bank. 17, provisional contract ID issuing unit 18 that issues a provisional contract ID in response to the application, application transmission unit 19 that transmits the application together with the provisional contract ID to the insurance company 15, and a response result from the insurance company 15 The application matching unit 20 for matching the application with the application and specifying the customer to be applied for, the insurance information storage unit 22 for storing the insurance contract information received from the insurance company 15 in the insurance contract DB 21, and the customer of the core system 13 A customer attribute DB update unit 23 that records that the customer has an insurance contract in the attribute DB 12 and information on the current market price (unit unit price) of the insurance related to the insurance contract The insurance market value information recording unit 25 that records in the insurance product information DB 24, the insurance contract information update unit 26 that updates the insurance contract DB 21 when the insurance information related to the contract changes, and the terminal 11 And an insurance contract content display unit 27 for transmitting a program for displaying the contents of the insurance contract (unit unit price, insurance contract content).
[0022]
These components actually comprise a storage medium such as a hard disk of a computer system and a computer software program stored in the storage medium. The function of the present invention is achieved by being called on the RAM by a CPU (not shown) and appropriately executed.
[0023]
Hereinafter, the operation of each component will be described in detail.
[0024]
First, an insurance salesperson launches a browser on the terminal 11 and inputs the address of the insurance sales system 9. Thus, the insurance application receiving unit 16 displays a predetermined insurance application receiving screen on the terminal 11.
[0025]
This insurance application reception screen has a function for calling an insurance design program, and is connected to the insurance company 15 from the local LAN 10 via the communication interface 33 and the insurance company joint gateway 14 provided in the insurance sales system 9. Information for designing insurance products from each insurance company 15 can be interactively transmitted and received. Accordingly, the insurance product salesperson can present the updated information of the insurance products of each insurance company 15 to the customer and design and solicit the insurance.
[0026]
When accepting an insurance application, first, the salesperson inputs the applicant's account number and the like from the terminal 11, and the customer determination unit 17 operates so that the applicant has an account at the bank. It is judged whether it is. If the customer is a customer, the provisional contract ID issuing unit 18 generates a provisional contract ID, and the application transmitting unit 19 sends information necessary for the application together with the provisional contract ID to the insurance company 15 that sells the insurance product. Output for transmission. The application contents of the customer are provisionally registered in the reception management DB 28 together with the provisional contract ID. The information transmitted to the insurance company 15 at this time does not include unique information (branch number, account number, etc.) used to identify the customer at the bank.
[0027]
When the insurance company 15 finishes the examination of the application and confirms the payment of the insurance premium, it returns the insurance contract information and the contract ID to the insurance sales system 9 together with the temporary contract ID. Then, the application matching unit 20 is activated and performs matching using the temporary contract ID as a key, and determines which customer's application is the received insurance contract information and contract ID.
[0028]
The transmission of the contract ID and the like from the insurance company to the system and the matching process may be performed sequentially, or may be performed once at a predetermined time, for example, once a day. .
[0029]
When the matching is completed, a screen for confirming the insurance contract is transmitted in response to a request from the terminal 11 and displayed on the terminal 11. As a result, the insurance salesperson can confirm the establishment of the insurance contract. The operations from insurance application to examination and confirmation may be performed in the same session or in different sessions. That is, insurance application and confirmation may be performed at different locations and times. In this case, the confirmation screen may be called using the provisional contract ID as a key. In addition, when applying for insurance from this system, the application form output by the application transmission unit 19 may be transmitted to the insurance company 15 offline.
[0030]
When the contract is established in this way, the insurance information storage unit 22 takes out the information of the insurance application temporarily registered in the reception management DB 28, and the contract ID and the contract information received from the insurance company 15 are extracted in this information. The added one is added to the insurance contract DB 21. In addition, the customer attribute DB update unit 23 issues a command for flagging the customer attribute DB 12 to the core system 13.
[0031]
Since the flag is set in this way, when another system accesses this customer attribute DB 12, it can be identified and specified that the customer has an insurance contract. In this way, for example, when a customer submits an address change notification to a bank, it is understood that the customer has an insurance contract. A warning can be issued.
[0032]
When the customer changes the contents of his / her insurance contract (address, number of contracts, etc.), the customer accesses the insurance company 15 using the contract ID. This change is received by the insurance contract information updating unit 26 from the insurance company 15 at the timing when the system 9 is connected to the common gateway 14, and is registered in the insurance contract DB 21 using the contract ID as a key.
[0033]
On the other hand, the insurance market price information recording unit 25 receives the common variation information of the insurance product that is updated regularly or irregularly via the joint gateway 14 and registers it in the insurance product information DB 24. In this embodiment, the insurance product is variable personal annuity insurance, and the common variation information is information on the unit unit price (market price) per contract unit (unit unit).
[0034]
The insurance contract content display unit 27 displays the current registration information and market price information of each contract on the terminal 11 based on the request from the terminal 11. At this time, the insurance contract content display unit 27 is updated by multiplying the number of units extracted from the customer's insurance contract information by the latest unit unit price (market price) stored in the insurance product information DB. The amount (insurance amount) is calculated and displayed on the terminal 11.
[0035]
According to the configuration as described above, it is possible to sell the insurance products and the like without providing information used to identify the customer in the bank to the outside.
[0036]
The present invention is not limited to the embodiment described above, and various modifications can be made without departing from the scope of the invention.
[0038]
Furthermore, in the above-described embodiment, the variable personal annuity insurance has been described as an example of the insurance product to be sold at the window. However, the present invention is not limited to this and can be applied to any insurance product.
[0039]
Further, in the above-described embodiment, the customer determination unit 17 in the insurance sales system 9 determines whether the applicant is a bank customer. However, the present invention is not limited to this. For example, a customer information database (MCIF) comprehensive management system may be provided separately from the system 9 and the discrimination may be performed here. In this case, the customer discriminating unit 17 may receive customer information necessary for the insurance contract from the customer information comprehensive management system.
[0040]
【The invention's effect】
As described above, according to the present invention, it is possible to obtain a sales method and a sales system that can perform window sales of insurance products and the like without exposing information used for identifying customers in the bank to the outside. .
[Brief description of the drawings]
FIG. 1 is a schematic configuration diagram showing a conventional technique.
FIG. 2 is a schematic configuration diagram showing an embodiment of the present invention.
[Explanation of symbols]
9 ... Insurance sales system 10 ... LAN
11 ... Terminal 12 ... Customer attribute DB
DESCRIPTION OF SYMBOLS 13 ... Core system 14 ... Insurance company joint gateway 15 ... Insurance company 16 ... Insurance application reception part 17 ... Customer discrimination | determination part 18 ... ID issuing part 19 ... Application transmission part 20 ... Application matching part 21 ... Insurance contract DB
22 ... Insurance information storage unit 23 ... DB update unit 24 ... Insurance product information DB
25 ... Insurance market value information recording unit 26 ... Insurance contract information update unit 27 ... Insurance contract content display unit 28 ... Reception management DB
33 ... Communication interface

Claims (4)

An insurance sales method executed on an insurance sales system that is installed in a bank and is connected to a bank backbone system that manages attribute information of customers who have accounts at the bank. The insurance sales system includes a plurality of insurance sales systems. It is provided so that it can communicate with the company server and the insurance company joint gateway, and this insurance sales system is connected to a terminal for insurance sales (terminal for insurance sales) .
A step of the insurance sales system accepts the account number of the insurance applicant from the insurance sales terminal determines whether the insurance applicant is customer having an account at the bank,
The insurance sales system, if the insurance applicant is a customer with an account in the bank, to grant the bank a unique temporary contract ID for the insurance Subscription customers that have been input from the insurance sale terminal a step of sending to the insurance company insurance according to the application with information relating to the insurance application (information to be transmitted, the account number for identifying the customer is not included) and,
The insurance sales system registers information on the insurance application of the customer together with the provisional contract ID in a reception management database (DB) provided in the insurance sales system ;
The insurance sales system, when the insurance application is approved insurance contracts in the insurance company has been established, the contract ID and the insurance contract for specifying the contract with the insurance company or, et al before Symbol provisional contract ID Receiving contract processing information including content;
The insurance sales system, the insurance performs a matching of the provisional contract ID was the key received from the company, taken out to determine the customer's insurance application corresponding to the provisional contract ID from the acceptance management D B, the insurance in this Adding the contract ID and contract information received from the company and registering them in the insurance contract database (DB) of this insurance sales system;
If the change to the customer insurance contracts in the insurance company has occurred, the insurance sales system, said Ri from insurance companies receive the change information of the insurance contract, the insurance contract database (DB) on the basis of the contract ID Updating the registered contract information , and
The provisional contract ID is a unique number, symbol, or a combination generated by the bank separately from the account information for the purpose of managing the insurance application only, and is different from the contract ID generated by the insurance company. A method characterized by being. The method of claim 1, comprising:
If the insurance is variable life insurance, the contract processing information includes information on the quantity (number of units) related to the insurance contract,
This method further
The insurance sales system, from the insurance company, will receive the information of the insurance company jointly gateway through of the variable insurance updated market (cost per unit), and stores the insurance product information database of the insurance sales system Process,
And a step of calculating a reserve amount of the variable insurance from the market price information and information on the quantity of the insurance contract and displaying the calculated amount on the insurance sales terminal . An insurance sales system installed in a bank and connected to a bank backbone system that manages attribute information of customers who have an account at the bank , the insurance sales system including a plurality of insurance company servers and an insurance company joint gateway The insurance sales system is connected to a terminal for insurance sales (insurance sales terminal), and this insurance sales system
Means for the insurance sales system accepts the account number of the insurance applicant from the insurance sales terminal determines whether the insurance applicant is customer having an account at the bank,
The insurance sales system, if the insurance applicant is a customer with an account in the bank, to grant the bank a unique temporary contract ID for the insurance Subscription customers that have been input from the insurance sale terminal , means for sending to the insurance company insurance according to the application with information relating to the insurance application (information to be transmitted, the account number for identifying the customer is not included) and,
Means for registering the insurance application information of the customer together with the provisional contract ID in the reception management database (DB) provided in the insurance sales system ;
The insurance sales system, when the insurance application is approved insurance contracts in the insurance company has been established, the contract ID and the insurance contract for specifying the contract with the insurance company or, et al before Symbol provisional contract ID and received taken that means the contract processing information including the content,
The insurance sales system, the insurance performs a matching of the provisional contract ID was the key received from the company, taken out to determine the customer's insurance application corresponding to the provisional contract ID from the acceptance management D B, the insurance in this Means for adding the contract ID and contract information received from the company and registering them in the insurance contract database (DB) of this insurance sales system;
If the change to the customer insurance contracts in the insurance company has occurred, the insurance sales system, said Ri from insurance companies receive the change information of the insurance contract, the insurance contract database (DB) on the basis of the contract ID Updating means for updating the registered contract information ,
The provisional contract ID is a unique number, symbol, or a combination generated by the bank separately from the account information for the purpose of managing the insurance application only, and is different from the contract ID generated by the insurance company. Insurance sales system characterized by being a thing. A insurance sales system according to claim 1,
If the insurance is variable life insurance, the contract processing information includes information on the quantity (number of units) related to the insurance contract,
This insurance sales system further
The insurance sales system, from the insurance company, will receive the information of the insurance company jointly gateway through of the variable insurance updated market (cost per unit), and stores the insurance product information database of the insurance sales system Means,
An insurance sales system, comprising: means for calculating a reserve amount of the variable life insurance from the market price information and information on the quantity related to the insurance contract and displaying the calculated amount on the insurance sales terminal .

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