JP4547372B2 - Home property insurance contract server, home property insurance contract system, and home property insurance contract method - Google Patents

Description

  The present invention relates to a house property insurance contract for making a house property insurance contract including fire insurance and earthquake insurance for a house property in a rental property, and in particular, a house property insurance contract server, a house property insurance contract system, and a house property insurance contract for making a contract through a network. Regarding the method.

  In general, household insurance consists of fire insurance and earthquake insurance, and furniture, home appliances, and other household goods in rental properties such as apartments and condominiums, or general housing are damaged or lost due to fires, earthquakes, etc. In recent years, the renter (borrower) has purchased the property insurance from the lessor (loaner) in the case of a lease contract for a rental property such as an apartment or a condominium. You may be obliged to join (contract).

  Conventionally, if the lessee of a rental property makes a contract for the above-mentioned household insurance with an insurance company (non-life insurance company, etc.), fill out the necessary information on the application form and other documents provided by the real estate agency or insurance agency, etc. The insurance contract was made by mailing to an insurance company.

  By the way, in recent years, various applications (contracts) and the like have been made through the network due to the spread of network communication means such as the Internet, and a system has been proposed that can make an application through the network even in a contract for household insurance.

  For example, an agent terminal installed in an insurance agent connected to a household property insurance contract server installed in an insurance company through a network when an applicant for home insurance (renter of a rental property) goes to an insurance agent. Has proposed a household insurance policy system (see Patent Document 1).

  By applying the household insurance policy procedure (household insurance application procedure) using this household property insurance contract system, the applicant fills out the required items on the application form and submits it to the insurance company during the household insurance policy procedure. Therefore, it is possible to make a so-called paperless insurance contract directly on the screen of a personal computer. Therefore, it is possible to easily revise or change the contents of the contract, and it is possible to shorten the time required for the exchange of written documents by post etc. when there is a defect in the submitted documents. Insurance contracts can be made.

JP 2006-37992 A

  However, in the above-mentioned household property insurance contract system, the applicant needs to go to an insurance agent or the like in order to apply for household property insurance, so time and labor are required. In addition, when making a contract (application) for household goods insurance, the building age of the rental property, etc. provided with the household goods, the grade determined by the structure of the building such as a wooden or heavy steel frame in the insurance industry, and the exclusive area It is necessary to input (input) property information necessary for determining the rate of household property insurance such as the above into the agency terminal. However, it is usually difficult for the applicant to obtain such property information, particularly the grade of the building. In addition, when entering these property information into the agency terminal, the insurance fee will be different if the input is incorrect, so the applicant needs to pay close attention to the entry work into the agency terminal. This is a complicated driving (input) operation.

  Therefore, in view of the above problems, the present invention provides a household property insurance contract server, a household property insurance contract system, and a household property insurance contract method that allow an applicant (lessee) to easily make a contract for household property insurance through a network. Is an issue.

Therefore, in order to solve the above-mentioned problems, the household property insurance contract server according to the present invention records the property / lessee information including property information of the rental property and lessee information of the lessee of the rental property. An information database and an insurance information database that records household property insurance information to be shown to the lessee, and the agency terminal provided in the real estate agency having the property information and the user terminal that can be used by the lessee are respectively connected through the network. A home property insurance contract server that is connectable and is used for making a home property insurance contract for a tenant's home property in a rental property through the network. It received the property, the lessee information that is sent from the agency terminal by being input to the store terminal, the received property, the lessee information, generation Recorded in the property, the lessee information database in association with the login ID and the new access password is input or household insurance contract server assigned to the local terminal, login from the user terminal using the above mentioned, by the lessee login ID and new access password the lessee of personal authentication after Tsu line, to send and household insurance information that is recorded on the lessee of the property, the lessee information and insurance information database retrieved from the property, the lessee information database to the user terminal by, Receives property / renter information transmitted after confirmation or correction by the lessee at the user terminal and household property insurance information selected and transmitted by the lessee to make a new contract from the house property information received at the user terminal The received confirmation or modified property / renter information and the selected Was in association with household insurance information allocation securities number in the subscriber information together to create a subscriber information, it is characterized in that recording the subscriber information 該証 ticket number has been assigned to the property, the lessee information database,
In addition, the household property insurance contract system according to the present invention provides a property / lessee information database and property lessee information that records property / renter information consisting of property information of a leased property and lessee information of a lessee of the leased property. A home terminal insurance contract server that includes an insurance information database for recording home property insurance information for connecting an agent terminal provided in a real estate agent having property information and a user terminal available to a renter through a network, A home insurance policy system that is used to make a home insurance contract for a tenant's home property in a rental property through the network, and the agent terminal receives the tenant information entered in the real estate agent • the lessee information and sends it to the home contents insurance contract server, the household insurance contract server, the received property, the lessee information, agency Recorded in the property, the lessee information database in association with the login ID and the new access password is input or household insurance contract server is assigned to the terminal, the user terminal, the login ID and the new access password entered by the lessee Log in to the household insurance contract server by sending, the household insurance contract server, after Tsu line the lessee of authentication by the login by the login ID and the new access password from the user terminal, property-lessee information database The property / renter information of the lessee retrieved from the home property insurance information recorded in the insurance information database is transmitted to the user terminal, and the user terminal confirms or corrects the property / renter information that is confirmed or corrected by the lessee. And a new policy from the home insurance information received at the user terminal. The home property insurance information selected by the lessee is transmitted to the home property insurance contract server, and the home property insurance contract server sends the received confirmed or modified property / renter information and the selected home property insurance information. Creating a contractor information in association with each other, assigning a security number to the contractor information, and recording the contractor information to which the security number is assigned in a property / renter information database,
Further, the household property insurance contract method according to the present invention is a household property insurance contract method in which a property insurance contract for a property of a lessee in a rental property is made through a network, and the property information of the property and the lessee of the property The property insurance contract server comprising a property / renter information database for recording property / renter information consisting of lessee information and an insurance information database for recording property insurance information for showing to the lessee Using a home insurance policy system in which an agent terminal provided in a real estate agency that has information and a user terminal that can be used by a lessee are connected through a network, and the agency terminal inputs tenant information at the real estate agent. The property / renter information transmitting step for transmitting the property / renter information to the house property insurance contract server, and the house property insurance About property-lessee information received by the server, the agency is input to the terminal or household insurance contract server is associated with the login ID and the new access password assigned property, the lessee property-lessee information record to be recorded in the information database A login step in which the user terminal logs in to a household goods insurance contract server by transmitting the login ID and a new access password input by a lessee, and the household goods insurance contract server receives the login ID and after Tsu line the lessee of authentication by login with new access password, and household insurance information that is recorded on the lessee of the property, the lessee information and insurance information database retrieved from the property, the lessee information database user Before sending insurance information to the terminal A contract in which the user terminal transmits the property / renter information confirmed or modified by the lessee and the home insurance information selected by the lessee to make a new contract from the home insurance information received at the user terminal to the home insurance contract server Creating a contractor information by associating the step with the confirmed or modified property / renter information received by the home insurance contract server and the selected home insurance information, and assigning a security number to the contractor information, And an associating step of recording the contractor information to which the security number is assigned in the property / renter information database.

According to such a configuration, the lessee logs in to the household goods insurance contract server using the login ID and the new access password, and has already been transmitted from the agency terminal to the household goods insurance contract server. -The property / renter information recorded in the lessee information database can be used on the user terminal. Therefore, the renter performs a home insurance contract (contract procedure) simply by checking or correcting the renter information on the user terminal and selecting a home insurance for contracting from the home insurance information received from the home insurance contract server. be able to. That is, the lessee can make a contract for home insurance through the network without inputting complicated property information to be input to the user terminal.

  Note that transmission and reception in the present invention are not only that the transmission source terminal and the reception source terminal upload or download actual data through the network, but also one of the transmission source terminal and the reception source terminal. Is connected to the other terminal with the access right, and by changing the data in the other terminal from one terminal in the connected state, virtual transmission or reception that appears to be exchanging data is also possible Shall be included. Upload means transferring data at a terminal at hand to a remote terminal through a network, and downloading means transferring data at a terminal at a remote place through the network to a terminal at hand.

  Further, after receiving a change request for a new access password from the user terminal after logging in from the user terminal using the new access password by the lessee, the household insurance policy server changes the new access password according to the change request. It may be configured to.

  According to such a configuration, since the new access password after the change is known only to the renter who logs in to the household insurance policy server from the user terminal and changes the new access password, The possibility of knowing the new access password is extremely low, and further security can be ensured.

  Further, the household property insurance information transmitted from the household property insurance contract server to the user terminal at the time of the login may include insurance product description information for displaying the animation together with the sound on the user terminal to explain the insurance product. Good.

  According to such a configuration, since the insurance product description is performed by displaying a video together with the voice about the content of the insurance product on the user terminal, the lessee can easily understand the content of the insurance product, and as a result, the self contracts. This makes it easier to select insurance products to do.

  Further, the household property insurance contract server is configured to be further connectable with a host computer having a contractor database for recording contractor information together with a security number, and assigned with a security number recorded in the property / renter information database. The contractor information may be transmitted to the host computer and recorded in the contractor database, and then deleted from the property / renter information database.

  According to such a configuration, the household goods insurance contract server once transmits the contractor information to which the security number recorded in the property / lessee information database is assigned to the host computer and records the contractor information in the contractor database. Delete the contractor information to which the security number recorded in the lessee information database is assigned. As a result, the recording capacity of the property / lessee information database can be reduced. Further, since the contractor information is recorded in the contractor database of the host computer, it cannot be changed directly from the user terminal, and the security of the contractor information can be ensured.

The household insurance policy server further includes a maturity policyholder database that records policyholder information whose end date of the household insurance policy is approaching for a certain period, and the host computer searches and transmits the policy data from the policyholder database. receiving a subscriber information that is the end date of the household insurance contract after a period, the received subscriber information, in association with the login ID and continued access password assigned by the host computer for a period of time recorded in the maturity subscriber database, wage after Tsu line the lessee of authentication by login from the user terminal in the login ID and continued access password in the certain period of time using by the borrower, and the lessee of subscriber information retrieved from the maturity subscriber database Send household insurance information recorded in the insurance information database to the user terminal. The contractor information transmitted after being confirmed or corrected by the lessee at the user terminal and the household property insurance information selected and transmitted by the lessee for continuing the contract from the household property insurance information received at the user terminal. The contractor information may be updated by associating the received confirmed or corrected contractor information with the home insurance information selected for continuing the contract.

  According to such a configuration, the host computer transmits the contractor information whose maturity date is approaching from the contractor database to the household goods insurance contract server and records it in the maturity contractor database, whereby the contractor information is changed from the user terminal ( Update).

  In addition, the home insurance policy server uses the period during which the tenant's policyholder information is recorded in the maturity policyholder database for the tenant to continue the household insurance policy through the network. By making the period only before the end date, the recording capacity of the maturity contractor database of the home insurance policy server can be reduced.

  Furthermore, when the lessee changes (updates) the contents of the contractor information in order to make an ongoing contract, the information (data) in the contractor database of the host computer is not changed directly from the user terminal. Further security of information in the contractor database of the host computer can be ensured.

  Further, the continuous access password is assigned by the host computer when the host computer searches the contractor database for contractor information that becomes the end date of the home insurance policy after a predetermined period and transmits it to the home insurance policy server. It may be.

  According to this configuration, it is not necessary for the insurance company (employees, etc.) to set a continuous access password, and the continuous access password is automatically assigned by the host computer. The labor required for the contract can be reduced.

  In the house property insurance contract system according to the present invention, the agency terminal further includes a property information database in which a large number of property information is recorded, and one property in which lessee information is recorded in the property information database The property / lessee information may be created from the one property information and the lessee information by being input at the real estate agent so as to be associated with the information, and transmitted to the household property insurance contract server.

  According to such a configuration, since the property information necessary for creating the property / lessee information has already been recorded in the property information database, the tenant information is stored in the property information database in the agency terminal in the real estate agency. Just by entering in association with one property information, the agency terminal creates property / lessee information with the property information associated with the entered lessee information, and the property / renter information is a household insurance contract. Send to server. As a result, it is possible to reduce the labor in inputting property information to the agency terminal.

  Moreover, in the household goods insurance contract system which concerns on this invention, the said agency terminal may be the structure which transmits the created one or some property and renter information to a household goods insurance contract server regularly.

  According to such a configuration, since the agency terminal periodically transmits the created property / renter information to the home insurance policy server, each time the property / renter information is created at the agency terminal, It is not necessary to transmit personal information to the household property insurance contract server, and it is possible to reduce the labor of transmission work at the agency terminal and to prevent forgetting to transmit.

  As described above, according to the present invention, it is possible to provide a house property insurance contract server, a house property insurance contract system, and a house property insurance contract method that allow a lessee to easily make a contract for house property insurance through a network.

  Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.

  As shown in FIG. 1, a household property insurance contract system 1 is a system that performs a household property insurance contract procedure through a network communication network (communication line) 5, and includes an agent terminal 20, a user terminal 30, and a household property insurance contract server 10. Are connected through the network communication network 5, and a host computer 40 is further connected to the household property insurance contract server 10.

  The household goods insurance contract server 10 performs household goods insurance contract work such as insurance application (new contract), change of contract contents, renewal of contract (continuous contract), etc. of fire insurance and earthquake insurance for household goods. It is a server for realizing the above, and is installed in an insurance company that handles the household property insurance. Specifically, it is software for performing the above-mentioned household property insurance contract business, and includes input / output means, recording means, communication means, calculation means, etc., and generally has means for responding to requests from other computers. Mainframes, workstations, personal computers, etc. Moreover, the household property insurance contract server 10 may be configured by combining a plurality of servers. In addition, various functions described later are realized by a program corresponding to a program described in hypertext such as HTML, CGI, SSI, script language, etc., which can be viewed and operated by a browser prepared in the household property insurance contract server 10. It is what is done. The household property insurance contract server 10 includes a property / renter information database 11, an insurance information database 12, and a maturity contractor database 13 as recording means.

  The network communication network 5 includes the Internet, a LAN (Local Area Network), a communication line, a radio, a satellite, or other communication system for connecting the agency terminal 20 and the user terminal 30 to the household property insurance contract server 10. A network communication network (the Internet in this embodiment) 5. The household property insurance contract server 10 and the agency terminal 20 may be connected by a dedicated line. In some cases, the agency terminal 20 and the user terminal 30 cannot be directly connected to the Internet 5. In this case, the agent terminal 20 and the user terminal 30 are connected to the ISP access point through the public telephone line, and are connected from the access point to the Internet 5. Will be connected. The public telephone line is, for example, an analog subscriber line, an ISDN line, a DoPa line, a mobile phone network, or the like.

  The property / lessee information database 11 rents the lessee information that may include not only the name, age, and address of the insurance applicant or contractor (renter of the rental property) but also contact information, etc. Property / renter information consisting of property information necessary to determine the insurance premium rate such as the building age of rental properties, grades determined by the structure of buildings such as wooden structures and heavy steel frames in the insurance industry, and exclusive area To record. In addition, the property / renter information database 11 can inquire and search property / renter information from the agency terminal 20 or the user terminal 30 of the lessee via the household property insurance contract server 10 at the time of insurance contract. Database.

  The insurance information database 12 records insurance product information for explaining (introducing) insurance products to lessees, insurance information such as important matters, and terms and conditions. In addition, the insurance information database 12 is a database that enables inquiry, search, and the like of household property insurance information from the agency terminal 20 or the lessee user terminal 30 via the household property insurance contract server 10.

  The maturity contractor database 13 is sent (transmitted) from the host computer 40 connected to the household goods insurance contract server 10, and the contractor information recorded in the contractor database 41 described later of the host computer 40. The policyholder information for which the end date (maturity date) of the household goods insurance contract is approaching is recorded for a certain period. Further, the maturity contractor database 13 is a database that allows the contractor information to be inquired from the user terminal 30 of the lessee via the household goods insurance contract server 10 and the host computer 40.

  The agency terminal 20 is a terminal such as a personal computer (PC) that can be connected to the Internet 5 and includes a property information database 21. Specifically, the agency terminal 20 is a terminal provided with input / output means, display means, communication means, calculation means, etc., input means include buttons, touch panels, keyboards, mice, etc., and output means are printers, etc. There are LCD, CRT, etc. as the display means. These are generally personal computers or the like that can connect to the Internet 5 and obtain information using a Web browser or the like. The agency terminal 20 is an organization that handles rental properties (rental buildings) of real estate, and is an intermediary between the owners (renters and lessors) of the rental properties and the borrowers (renters) of the rental properties. It is installed in real estate agencies.

  The property information database 21 is determined by the building age of a large number of rental properties handled (managed) by the real estate agency where the agency terminal 20 is installed, and the structure determined by the insurance industry such as wooden structures and heavy steel structures It records (accumulates) property information such as exclusive area.

  The user terminal 30 is a terminal such as a personal computer that can be connected to the Internet 5, and is a terminal that is used by a renter who makes a contract for household property insurance and is different from the agency terminal 20. Specifically, the user terminal 30 is a terminal provided with input / output means, display means, sound reproduction means, communication means, calculation means, communication means (which may be mobile communication), and the input means include buttons, There are a touch panel, a keyboard, a mouse, etc., as an output means, a printer, etc., as a display means, LCD, CRT, etc., and as a sound reproduction means, a speaker etc. These are generally home appliances such as a personal computer, a portable terminal (PDA), a mobile phone, a TV that can be connected to the Internet 5 and a landline phone that can be connected to the Internet 5 and obtain information by a Web browser or the like. Etc.

  The host computer 40 is connected to the household goods insurance contract server 10 and manages insurance policies and customers (contractors) of various insurances (including insurance other than household goods insurance) handled by the insurance company mainly based on the securities numbers. A computer installed in an insurance company and having a contractor database 41. Specifically, it includes an input / output unit, a recording unit, a communication unit, a calculation unit, and the like, and is generally a mainframe or a workstation having a function of responding to a request from another computer. The host computer 40 may be configured by combining a plurality of computers.

  The contractor database 41 includes tenant information such as the name, age, address, family structure, etc. of the household insurance policyholder, the building age of the rental property leased by the lessee, and buildings such as wooden and heavy steel frames in the insurance industry. Property / renter information (contractor information) consisting of property information necessary to determine the insurance rate such as grade and exclusive area determined by the structure of the insurance, the type of insurance that the contractor is subscribed to, and guarantee It records policyholder information consisting of insurance information such as the contents, insurance liability start date, insurance end date (maturity date), insurance purpose, and earthquake insurance application status.

  The household property insurance contract system according to the present embodiment has the above-described configuration. Next, the operation of the house property insurance contract system 1 will be described with reference to FIGS. 2 to 4, but also refer to FIGS. 5 to 11 as necessary. However, it will be explained. This operation is an example, and the order and the screen displayed on the display means of each terminal need not be limited to these. In the present embodiment, transmission and reception are not only the case where the transmission source terminal and the reception source terminal upload or download actual data through the network, but also one of the transmission source terminal and the reception source terminal. A virtual transmission or transmission that appears as if data is being exchanged by changing the data in one terminal from the other terminal in the connected state by obtaining access rights to the other terminal Including reception. Upload means transferring data at a terminal at hand to a remote terminal through a network, and downloading means transferring data at a terminal at a remote place through the network to a terminal at hand.

  First, a new contract (application) for household property insurance through the Internet 5 will be described. For customers who have come to a real estate agency (S101) for contracts for rental properties such as apartments, the real estate agent can use fire insurance, earthquake insurance, etc. for household goods placed in the rental properties. Solicitation of household property insurance is performed (S102). If the lessee wants an insurance contract (application) for household insurance (the lessee becomes the contract applicant) and wants to proceed through the Internet 5 (S103), the real estate agent will proceed. Be started. The real estate agency inputs lessee information such as the name, address, and contact telephone number of the lessee to the agency terminal 20 (S105). The agency terminal 20 receives the entered lessee information and the agency terminal 20 Property / lessee information is created with the property information of the rental property that the lessee has to rent (S106). The created property / renter information is transmitted by the agency terminal 20 to the household goods insurance contract server 10 via the Internet 5 (via). At that time, a unique new access password set (allocated) by the lessee with respect to the property / renter information is transmitted to the house property insurance contract server 10 together with the property / renter information. If the lessee desires an insurance contract for household insurance, but does not want to proceed through the Internet 5, a written procedure is performed (S104).

  Specifically, when the real estate agent inputs renter information to the agency terminal 20 using an input means such as a keyboard, a plurality of information already recorded in the property information database 21 provided in the agency terminal 20 is stored. The property information to be rented by the lessee is selected from the property information, and the lessee information is input in association with the property information to be rented (S105). By doing so, the agency terminal 20 has the property / lessee consisting of the input lessee information and the property information associated with the lessee retrieved from the property information recorded in the property information database 21. Information is created (S106).

  The property / renter information created by the agency terminal 20 in this way is collectively collected by the agency terminal 20 once a day together with other lessee's property / renter information similarly created. It is transmitted to the contract server 10.

  In the present embodiment, as described above, the property information recorded in the property information database 21 is used so that the real estate agent omits the work of inputting the property information at the time of the house property insurance contract. For this reason, it is possible to reduce the labor of inputting work by a real estate agent, but it is not necessary to be limited to this. For example, at the time of the contract procedure, the real estate agent may input both the renter information and the property information. Further, in the present embodiment, the transmission of property / renter information from the agency terminal 20 to the house property insurance contract server 10 is performed at a predetermined time every day (outside the business hours of the real estate agency, The property terminal and the renter information are automatically sent together in the middle of the night when they are not used. However, the present invention is not limited to this. You may make it transmit to the contract server 10. FIG. Further, it is not necessary to send a plurality of property / renter information collectively to the home property insurance contract server 10, so that the property / tenant information is transmitted to the home property insurance contract server 10 every time the property / lessee information is input / created in the agency terminal 20. It may be.

  In the present embodiment, the new access password is arbitrarily set by the tenant with 6 to 10 alphanumeric characters, and the real estate agency inputs the new access password to the agency terminal 20 so that the agency terminal 20 The new access password is transmitted to the household goods insurance contract server 10 together with the lessee information. The house / insurance information server 11 that has received the property / renter information and the new access password (S201) records the property / renter information database 11 in the property / renter information database 11 (S202), but is not limited thereto. For example, when the agency terminal 20 transmits the property / lessee information to the house property insurance contract server 10, the received house property insurance contract server 10 assigns a new access password specific to the property / renter information, and the property / lessee information Information may be recorded in the property / renter information database 11 and the assigned new access password may be transmitted (returned) to the agency terminal 20. Even if it does in this way, the lessee who acquired the new access password from the agency terminal 20 logs in to the household goods insurance contract server 10 from the user terminal 30 using the new access password, as will be described later. The lessee information input by the real estate agent at the user terminal 30 can be used.

  In addition, the new access password does not have to be limited to the data structure (configuration) transmitted / received in association with the property / lessee information. A data structure (configuration) that is transmitted and received as information may be used.

  Next, the real estate agent introduces the URL of the site of the house property insurance contract server 10 accessed by the lessee in order to make a house property insurance contract. For example, as shown in FIG. 5, such a document 100 is provided on the home insurance policy server 10 so that the URL 101 of a site for making a household insurance policy through the Internet 5 and the renter do not forget it. The new access password (simply described as “password” in the figure) 102 set by the lessee, the period 103 during which the insurance contract procedure is possible, the notes 104 when applying, etc. are described.

  After returning home, the renter accesses the site of the home insurance policy server 10 from the user terminal 30 such as a personal computer owned by the lessee (S301). At that time, as shown in FIG. 6, on the top page 105 of the site, the password (new access password) 102 and the login ID (in this embodiment, the lessee's telephone number) 106 are requested to be entered. A person can log in to the household goods insurance contract server 10 by inputting and transmitting the password and ID to the user terminal 30 (S302). By logging in using the new access password in this way, the lessee can register the lessee's already registered in the property insurance contract server 10 (recorded in the property / renter information database 11 of the property insurance contract server 10). Using the property / renter information, it becomes possible to perform a contract for household insurance ((S304) to (S309)) from the user terminal 30 through the Internet 5.

  In other words, the lessee is solicited at the real estate agency for household property insurance that can be applied for using the Internet 5, and expresses the intention to apply (contract) to the household insurance, and at the real estate agent, the home property insurance contract A new access password for logging in to the server 10 is set. Then, the real estate agent transmits the new access password to the household goods insurance contract server 10 together with the property / renter information (renter information and property information) of the lessee and registers it. Then, after returning home, the lessee logs in to the house property insurance contract server 10 using the personal computer (user terminal) 30 owned by the real estate agent using the address (URL of the site) and the new access password. Thus, the property insurance contract procedure can be performed by using the property / renter information registered in the property insurance contract server 10 by the real estate agent.

  At this time, the house property insurance contract server 10 allows the lessee to log in from the user terminal 30 using the new access password, so that the login of the party of the property / renter information registered from the agency terminal 20 Authentication (person authentication) (S303), and the property / lessee information can be used in the logged-in user terminal 30.

  The new access password can be changed by pressing the “change password” button 107 on the screen on the top page of the site and inputting according to the instruction on the change screen (see FIG. 7). Thus, security can be further ensured by changing the original new access password. That is, the password set by the lessee at the real estate agent (new access password) is known by the real estate agent (third party) who entered the agency terminal 20 and is therefore illegal by the third party. There is a risk that the personal information of the lessee will be leaked due to access. However, by changing the password alone after the renter returns home, it can be changed to a password unknown to the real estate agent (third party), and further security can be ensured.

  The house property insurance contract server 10 has the property / lessee information recorded in the property / renter information database 11 and the lessee recorded in the insurance information database 12 that can be used in the user terminal 30 as described above. The home insurance information for introduction / explanation is transmitted to the user terminal 30, and the household insurance contract procedure (application) described later is performed.

  According to the display on the screen (display means) of the user terminal 30 based on the above-mentioned house property insurance information received from the house property insurance contract server 10, the renter can obtain the necessary information by the input means such as a mouse or a keyboard. This is performed by inputting to the terminal 30 and transmitting / receiving (exchanging) the input information and the like between the user terminal 30 and the household property insurance contract server 10. In the present embodiment, the household property insurance contract procedure includes a product comment confirmation step (S304), an important matter approval (confirmation) step (S305), a customer information (renter information) confirmation step (S306), an insurance plan. (Estimation / plan selection) step (S307), insurance payment method step (S308), application content confirmation step (S309) are displayed in order on the display means of the user terminal 30, and instructions for each display The lessee inputs the necessary information by the input means. Each step may be omitted depending on the customer's selection.

  In the confirmation step of product explanation (S304), product explanation of various household goods insurance is performed on the screen (display means) of the user terminal 30. More specifically, the product comment confirmation step (S304) is performed on the insurance information (particularly, insurance product description information for explaining insurance product description using sound and images) received from the household goods insurance contract server 10 by the user terminal 30. Based on the speaker (sound reproduction means) and the screen (display means) of the user terminal 30, images are displayed together with sound as moving images (or slideshows) to explain (explain) various household goods insurance products. When the product description is finished, the user terminal 30 automatically puts a check in the “confirmed product description” check box 108 displayed on the display means, and proceeds to the next step (see FIG. 8). In addition, by checking the check box 108 on the first screen (screen before the slide show or video starts) in the product comment confirmation step, the description of the product by sound and image is omitted and the process proceeds to the next step. Can do.

  In the important matter acceptance step (S305), it is confirmed on the screen whether or not to accept an important matter described later. Specifically, in the step of accepting important matters, the user terminal 30 displays the Internet application handling conditions and precautions on the screen, the important matter manual, the handling of customer information, etc. And let the lessee use the check box on the screen to select whether or not to accept these important matters or whether or not the contents of the important matters have been confirmed. If the lessee accepts / confirms everything, proceed to the next step. In this step, a “print button” may be displayed on the screen, and by clicking the print button, important items may be individually or collectively printed out.

  In the customer information confirmation step (S306), the property / renter information registered from the agency terminal 20 is confirmed. Specifically, in the customer information confirmation step (S306), as shown in FIG. 9, the property / registered property information in the property / renter information database 11 of the house property insurance contract server 10 from the agent terminal 20 in the real estate agent is displayed. Among the lessee information, the lessee information of the lessee (consumer of household property insurance) is displayed on the screen of the user terminal 30 to check whether there is an error in the registered contents. If there is an error in the registration details, it will be corrected on the screen, and then the family structure of the lessee (contractor) who is not registered by the real estate agency and the insured person and the owner of the insurance purpose (household property) Enter the name, contact information (email address), etc. If there is no error in the registered contents, the family structure of the lessee is input without correction. Note that items other than the lessee information input from the agency terminal 20 include items that must be input and optional items.

  In the insurance plan selection step (S307), one or a plurality of insurance plans selected by the household goods insurance contract server 10 from the insurance information database 12 and an estimate based on the insurance plan are displayed on the user terminal 30, and the lessee selects the user. Plan selection is performed at the terminal 30. Specifically, in the insurance plan selection step (S307), the property / renter information input from the agency terminal 20 and the modification or addition input from the user terminal 30 in the customer information confirmation step (S306) are added. Based on the additional renter information such as the renter's family structure, the household goods insurance contract server 10 selects an insurance plan suitable for the renter from the household property insurance information recorded in the insurance information database 12, and selects the insurance plan. Based on the estimation, it is displayed on the screen of the user terminal 30 (see FIG. 10). Based on the display, the lessee selects an insurance plan or changes to another plan using the input means. In addition, in the insurance plan for household goods insurance, fire insurance is indispensable, but earthquake insurance is optional.

  In the insurance premium settlement method step (S308), the insurance premium settlement (payment) method in the insurance plan for the household goods insurance selected in the insurance plan selection step is selected. Specifically, a check box is displayed on the screen of the user terminal 30 next to “Convenience store payment” or “Credit card payment”, and the renter checks the check box using the input means of the user terminal 30. Select the payment method by inserting. If "Convenience store payment" is selected, after the contract for household goods insurance is concluded, the insurance premium is paid at the convenience store using a payment form sent to the lessee. If “credit card payment” is selected, the card number, the card expiration date, and the card company to be used are input on the next screen, and transmitted to the household goods insurance contract server 10.

  In the application content confirmation step (S309), the contents entered in each of the above steps (for example, insurance type, contractor information (renter information), insured person, owner for insurance purposes, etc.) are displayed on the screen of the user terminal 30. Confirm whether or not you want to apply for home insurance with such contents. At this time, when the “Apply” button on the screen of the user terminal 30 is clicked, the input contents in the above procedures are transmitted to the household goods insurance contract server 10 and the household goods insurance contract server 10 receives the insurance contract. (S203).

  The household property insurance contract server 10 associates (links) the property / renter information determined by the above procedure with the insurance information determined by the establishment of the insurance plan and payment method as the contractor information. A security number is assigned to the contractor information (S204), and the contractor information together with the security number is once recorded in the property / renter information database 11 (S202 ′), and then transmitted to the host computer 40. Thereafter, the contractor information recorded in the property / lessee database 13 is deleted (S205).

  The host computer 40 that has received the contractor information to which the security number is assigned records the contractor information together with the security number in the contractor database 41 (S401). At this time, the household goods insurance contract server 10 also transmits the security number to the user terminal 30, displays the security number on the display means of the user terminal 30 (see FIG. 11), and notifies the lessee. In the insurance company, this security number is a number for identifying the insurance contract after the security number is assigned, and is used for the overall management of the insurance contract. Necessary for confirmation and inquiries. Thereafter, when insurance premiums are paid at a credit card or convenience store, the insurance contract procedure for household insurance is completed.

  Thereafter, an insurance policy is created by the insurance company based on the contents of the household insurance concluded in the insurance contract procedure, and is sent to the lessee (contractor).

  As described above, the lessee logs in to the house property insurance contract server 10 using the new access password, and has already been transmitted from the agency terminal 20 to the house property insurance contract server 10, and the property / rental of the house property insurance contract server 10 The property / renter information recorded in the person information database 11 can be used in the user terminal 30. Accordingly, the renter simply confirms or modifies the renter information at the user terminal 30 and selects a home insurance for making a contract from the home insurance information received from the home insurance contract server 10 (contract procedure). It can be performed. That is, the lessee can make a contract for home insurance through the network (Internet) 5 without inputting property information to the user terminal 30.

  And since the insurance product explanation is performed by displaying a moving image together with the voice about the contents of the insurance product by the display means of the user terminal 30, the renter can grasp the contents of the insurance product from the visual and auditory senses. Therefore, it becomes easier to understand the contents of the insurance product, and as a result, it becomes easier to select the insurance product for self-contract.

  Further, the household property insurance contract server 10 transmits the contractor information assigned with the security number recorded in the property / renter information database 11 to the host computer 40 and records it in the contractor database 41, and then The contractor information assigned with the securities number recorded in the property / renter information database 11 is deleted. Therefore, the contractor information to which the security number is assigned is not accumulated one after another in the property / lessee database 11, but is sequentially deleted from the old contractor information, and it is necessary to record more than a predetermined amount of information. Therefore, the recording capacity of the property / renter information database 11 can be reduced.

  Further, since the contractor information to which the securities number is assigned is recorded in the contractor database 41 of the host computer 40 and is deleted from the property / renter information database 11 of the household goods insurance contract server 10, from the user terminal 30, Since it cannot be changed directly, the security of contractor information can be ensured.

  Further, since the property information necessary for creating the property / renter information is recorded in the property information database 21 provided in the agent terminal 20, the real estate agent stores the tenant information in the agent terminal 20. The agency terminal 20 creates property / renter information from the lessee information and the one property information only by inputting in association with one property information recorded in the information database 21, and the created property Transmits lessee information to the household insurance policy server 10. Therefore, the labor of inputting / transmitting property information to the agency terminal 20 of the real estate agency can be reduced.

  Further, every time the property / renter information is created in the agency terminal 20, it is not necessary to transmit the property / lessee information to the house property insurance contract server 10, and since the property / lessee information is transmitted collectively for each predetermined period, It is possible to reduce the labor of transmission work at the agency terminal 20 and prevent forgetting to transmit. For example, as in the present embodiment, the business of the day recorded in the memory or the like of the agency terminal 20 during the time when the agency terminal 20 is not used for work such as midnight when the real estate agency is closed. Improve work efficiency over individual transmission work by setting the property / renter information created during the time to be automatically sent from the agency terminal 20 to the home insurance policy server 10 Can be achieved. Furthermore, since it is automatically transmitted, it becomes possible to prevent forgetting to transmit.

  On the other hand, the real estate agent inputs the lessee information of the lessee to the agency terminal 20 in association with the property information of the leased property that the lessee rents already recorded in the property information database 21 in the agency terminal 20. The agent terminal 20 creates property / renter information based on the property information and the lessee information, and the agent terminal 20 periodically sends the created property / renter information to the house property insurance contract server 10. Therefore, it is possible to reduce the labor of transmission work at the agency terminal 20 of the real estate agency and prevent forgetting to send.

  Next, on the basis of FIG. 12 for the continuous contract (update) of household insurance, the configuration common to that at the time of new contract will be described using FIGS. 2 to 4 and the same reference numerals.

  Of the contractor information recorded (stored) in the contractor database 41 of the host computer 40, the contractor information (hereinafter simply referred to as “maturity contractor information”) that is approaching the end date (maturity date) of the household insurance policy. Is retrieved by the host computer 40 (S402). The retrieved maturity contractor information is transmitted to the household goods insurance contract server 10 by the host computer 40 and recorded in the maturity contractor database 13 of the household goods insurance contract server 10 for a certain period (S206). In the present embodiment, the host computer 40 searches for the maturity policyholder information three months before the end date of the home insurance policy, and the searched maturity policyholder information is transmitted to the household property insurance policy server 10 by the host computer 40. It is stored (recorded) in the database 13 for three months until the end date of the household goods insurance contract, or until the continuous contract procedure for the household goods insurance is performed, and then deleted.

  At this time, the host computer 40 automatically assigns a continuous access password to the searched maturity policyholder information, transmits the maturity policyholder information to the household property insurance contract server 10, and sends it to the administrator (insurance company) of the host computer 40. The continuous access password and the information on the contractor to whom the continuous access password is assigned are notified (S403). The administrator indicates that the contract end date is approaching directly or via a real estate agent to a contractor (lessee) of a household property insurance contract whose maturity is assigned with the notified continuous access password. In the notification, the continuous access password, the URL of the site for performing the update (continuation) procedure, etc. are described so as not to be known to a third party (for example, by a secret postcard). In this way, the host computer 40 automatically assigns the continuous access password, so that the work effort of the storage company or the like can be reduced. A secret postcard is a structure in which the information to be kept secret is folded and crimped with the printed side facing inward, and once the peeled surface is peeled off, it cannot be reattached. Special postcards that can prevent and protect privacy information.

  The renter who has obtained the continuous access password by receiving the notification (S102) receives a new contract in the home insurance policy server 10 from the user terminal 30 during a certain period from the date of receiving the notification to the end date of the home insurance policy. The site accessed at times or the URL indicated in the notification is accessed (S301). At that time, on the top page of the site, you will be asked to enter the password (continuous access password) and login ID (the ID used at the time of the new contract, or the ID after the change if changed at the time of the new contract). The password and ID are input to the user terminal 30 and transmitted to log into the household property insurance contract server 10 (S302).

  By doing so, the lessee uses the lessee's (maturity) policyholder information registered in the home insurance policy server 10 at the time of the new contract procedure, and uses the user terminal 30 to continue the home insurance policy through the Internet 5. It can be performed.

  That is, the lessee accesses the site accessed at the time of the new contract or the predetermined site described in the notification between the notification from the real estate agent and the end date of the home insurance policy, and the continuous access. By logging in to the household property insurance contract server 10 using the password, it becomes possible to use the (maturity) policyholder information at the time of the new contract, and it is possible to easily carry out the procedure for continuing the household property insurance contract.

  At this time, the household property insurance contract server 10 authenticates that the login is a login from the principal who made the new contract when the user terminal 30 logs in using the continuous access password by the lessee (the identity authentication). The contractor information at the time of the new contract is made available at the logged-in user terminal 30 (S303).

  After logging in in this way, the product comment confirmation step (S304), the important matter acceptance step (S305), and the customer information (renter information) confirmation, similar to the procedure for a new contract shown in FIGS. It is displayed on the display means of the user terminal 30 in the order of step (S306), insurance plan selection step (S307), insurance fee settlement method step (S308), and application content confirmation step (S309). The person enters the necessary information using the input means, and the continuing contract procedure is performed, and the continuing contract procedure is completed by paying the insurance premium.

  In this continuation contract procedure, the property / renter information and home property insurance modified / changed in the home property insurance contract server 10 are associated with each other and the contractor information is updated (S204 ′). 11 (S202 ′). The contractor information updated in this way is transmitted to the host computer 40 and recorded (updated) as updated contractor information in the contractor database 41 of the host computer 40 (S401). Thereafter, the contractor information before and after the update recorded in the maturity contractor database 14 is deleted (S205).

  As described above, in order for the lessee to perform the continuation procedure (continuation contract) of the household insurance policy through the network (Internet) 5, the period during which the contractor information of the lessee is recorded in the maturity contractor database 13 is The recording capacity of the maturity contractor database 13 of the household goods insurance contract server 10 can be reduced by setting the fixed period only before the end date of the insurance contract. For example, in the case of this embodiment, the maturity contractor database 13 records only three months from the end date of the end of the household insurance policy to the end date, and after that date, the maturity contractor Since the maturity contractor information recorded in the database 13 is sequentially deleted, it is not necessary to record more than a predetermined amount of information, and the recording capacity of the maturity contractor database 13 can be reduced.

  Further, when the lessee makes a continuing contract, it is necessary to change (update) the contents of the contractor information, but the user terminal 30 changes the contractor information in the maturity person database 13 of the household goods insurance contract server 10. The home insurance policy server 10 transmits the changed contractor information to the host computer 40, so that the user terminal 30 does not directly change the information (data) in the contractor database 41 of the host computer 40. Further security of information in the contractor database 41 of the host computer 40 can be ensured.

  The house property insurance contract server, the house property insurance contract system, and the house property insurance contract method according to the present invention are not limited to the above-described embodiments, and various modifications can be made without departing from the scope of the present invention. Of course.

  For example, the various databases (the property / renter information database 11, the insurance information database 12, and the maturity contractor database 13) provided in the household property insurance contract server 10 may not be configured as independent databases. That is, the recording area of one database may be divided into a plurality of recording areas, and information recorded in the various databases may be assigned to the divided areas.

  Further, the agency terminal 20 determines the progress status of some procedures in the house property insurance contract procedure between the house property insurance contract server 10 and the user terminal 30 (for example, whether the renter has access to the house property insurance contract server 10, insurance It may be configured so that the presence / absence of payment of the fee and the presence / absence of the conclusion of the home property insurance contract can be grasped (monitored) via the home property insurance contract server 10. By doing in this way, the real estate agency, etc., which has grasped the progress of the household insurance contract procedure from the agency terminal 20, can prompt the lessee to pay insurance premiums and follow up on the household insurance contract procedure. become able to.

  Further, another terminal (terminal installed in a support center or the like) is connected to the household goods insurance contract server 10 through the Internet 5 or directly connected thereto, and the insurance contract server like the agency terminal 20 is connected to the terminal. 10 and the user terminal 30 may be configured to be able to grasp the progress status of the house property insurance contract procedure. Even in this way, similarly to the above, at the support center or the like, it is possible to prompt the lessee to pay insurance premiums or follow up on the household insurance policy procedure.

The schematic block diagram of the household goods insurance contract system which concerns on this embodiment is shown. It is a figure which shows the operation | movement in a lessee and a real estate agent in the new contract procedure of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the operation | movement with the household goods insurance contract server and host computer in the contract procedure of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the operation | movement with the user terminal in the contract procedure of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the document which introduces URL of the site of the household goods insurance contract server in the household goods insurance contract method which concerns on the embodiment. It is a figure which shows the login screen displayed on the user terminal of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the password change screen displayed on the user terminal of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the top screen of the confirmation step of the product comment displayed on the user terminal of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the confirmation screen of the customer information displayed on the user terminal of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the estimate and plan selection screen displayed on the user terminal of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows the securities number confirmation screen displayed on the user terminal of the household goods insurance contract system which concerns on the embodiment. It is a figure which shows a part of operation | movement in the continuous contract procedure of the household goods insurance contract system which concerns on the embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Home property insurance contract system, 5 ... Network communication network (Internet), 10 ... Home property insurance contract server, 11 ... Property / renter information database, 12 ... Insurance information database, 13 ... Maturity contractor database, 20 ... Agency terminal 21 ... Property information database, 30 ... User terminal, 31 ... Output means (printer), 40 ... Host computer, 41 ... Contractor database

Claims (10)

Property / lessee information database that records property / renter information consisting of property information of the leased property and lessee information of the lessee of the leased property, and insurance information database that records household property insurance information for the lessee The agency terminal provided in the real estate agency that has the property information and the user terminal that can be used by the lessee can be connected to each other through the network. A home insurance policy server used to do through
The property insurance contract server receives the property / renter information transmitted from the agency terminal by inputting the lessee information to the agency terminal in the real estate agency,
Record the received property / renter information in the property / renter information database in association with the login ID and new access password assigned to the agency terminal or assigned by the home insurance policy server ,
After Tsu line the lessee of authentication by login from the user terminal using the login ID and the new access password by the lessee, the lessee of the property, the lessee information and insurance retrieved from the property, the lessee information database Send home insurance information recorded in the information database to the user terminal,
Receives property / renter information transmitted after confirmation or correction by the lessee at the user terminal and household property insurance information selected and transmitted by the lessee to make a new contract from the house property information received at the user terminal And
The contractor information is created by associating the received confirmation / corrected property / renter information with the selected household property insurance information, and a security number is assigned to the contractor information,
A household property insurance contract server, wherein the contractor information to which the security number is assigned is recorded in a property / renter information database.   The household property insurance contract server changes the new access password according to the change request when receiving a change request for the new access password from the user terminal after logging in from the user terminal using the new access password by the lessee. The household goods insurance contract server according to claim 1, wherein:   The home property insurance information transmitted from the home property insurance contract server to the user terminal at the time of login includes insurance product description information for displaying a moving image together with sound on the user terminal to explain the insurance product. The household insurance policy server according to 1 or 2.   The household goods insurance contract server is configured such that a host computer including a contractor database that records contractor information together with a security number is further connectable, and a contract to which a security number recorded in the property / renter information database is assigned. 4. The household goods insurance contract server according to any one of claims 1 to 3, wherein the property information is deleted from the property / renter information database after the person information is transmitted to the host computer and recorded in the contractor database. The household property insurance contract server further comprises a maturity policyholder database that records policyholder information whose end date of the household property insurance contract is approaching for a certain period of time,
The host computer retrieves the contractor information from the contractor database, which is the end date of the home insurance policy after a predetermined period,
Record the received contractor information in the contractor database for a certain period in association with the login ID and continuous access password assigned by the host computer ,
The lessee of the subscriber information after Tsu line the lessee of authentication by login from the user terminal, which was retrieved from the maturity subscriber database within the certain period of time using the login ID and continued access password by wage borrower And the household property insurance information recorded in the insurance information database to the user terminal,
Receiving the contractor information transmitted after being confirmed or corrected by the lessee at the user terminal and the household property insurance information selected and transmitted by the lessee to continue the contract from the house property insurance information received at the user terminal ,
5. The home property insurance contract server according to claim 4, wherein the contractor information is updated by associating the received confirmed or modified contractor information with the home property insurance information selected for continuing the contract.   The continuous access password is assigned by the host computer when the host computer retrieves the contractor information that becomes the end date of the home insurance policy after a predetermined period from the contractor database and transmits it to the home insurance policy server. The household property insurance contract server according to claim 5. Property / lessee information database that records property / renter information consisting of property information of the leased property and lessee information of the lessee of the leased property, and an insurance information database that records household property insurance information to be shown to the lessee The real estate agency with property information agent terminal and user terminal that can be used by the lessee are connected to the home property insurance contract server with property information through the network, respectively. A household insurance contract system used to make a contract through a network,
The agency terminal transmits the property / renter information to the house property insurance contract server by inputting the lessee information in the real estate agency,
The property insurance contract server records the received property / renter information in the property / renter information database in association with a login ID and a new access password assigned to the agency terminal or assigned by the property insurance contract server ,
The user terminal logs in to the household goods insurance contract server by transmitting the login ID and the new access password entered by the lessee,
The household insurance contract server, said after Tsu line the lessee of authentication by the login by the login ID and the new access password, the lessee of the property, the lessee information retrieved from the property, the lessee information database from the user terminal And the household property insurance information recorded in the insurance information database to the user terminal,
The user terminal transmits the property / lessee information confirmed or modified by the lessee and the home insurance information selected by the lessee to make a new contract from the home insurance information received at the user terminal to the home insurance contract server. And
The household property insurance contract server creates policyholder information by associating the received confirmed or modified property / renter information with the selected household property insurance information, and assigns a security number to the policyholder information, and the security number The home insurance policy system characterized in that the policyholder information to which is assigned is recorded in the property / renter information database. The agency terminal further includes a property information database in which a large number of property information is recorded,
The property / renter information is created by the property information and the renter information by inputting the property information so that the renter information is associated with the property information recorded in the property information database. 8. The household goods insurance contract system according to claim 7, wherein the system is transmitted to a household goods insurance contract server.   9. The home property insurance contract system according to claim 8, wherein the agency terminal periodically transmits the created one or more property / renter information to the home property insurance contract server. A property insurance contract method for contracting home property insurance for a lessee's property in a rental property through a network. An agent terminal provided in a real estate agency having property information in a home insurance policy server having a property / renter information database for recording and an insurance information database for recording household property insurance information to be shown to the lessee And a home insurance policy system in which a lessee and a user terminal that can be used by a lessee are connected through a network,
Property / renter information transmission step in which the agent terminal transmits property / renter information to a household goods insurance contract server when tenant information is input at a real estate agent;
Property / renter information recorded in the property / renter information database by associating the property / renter information received by the property insurance contract server with the login ID and new access password assigned to the agency terminal or assigned by the house property insurance contract server A human information recording step;
A login step in which the user terminal logs into the household insurance contract server by transmitting the login ID and a new access password entered by the lessee;
After the household insurance contract server Tsu line the lessee of authentication by the login by the login ID and the new access password from the user terminal, and the lessee of the property, the lessee information retrieved from the property, the lessee information database An insurance information transmission step of transmitting household property insurance information recorded in the insurance information database to the user terminal;
The user terminal transmits the property / renter information confirmed or modified by the lessee and the home insurance information selected by the lessee to make a new contract from the home insurance information received at the user terminal to the home insurance contract server. The contract step;
The contractor information is created by associating the confirmed or modified property / renter information received by the household property insurance contract server with the selected household property insurance information, and a security number is assigned to the policyholder information. A home insurance policy method, comprising the step of associating the assigned policyholder information with the property / renter information database.

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