JP4627352B2 - Insurance contract system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an insurance contract system using a network such as the Internet.
[0002]
[Prior art]
There are group insurance and group-type insurance as insurance forms for employees who work for companies. Group insurance is a form of insurance in which the company itself contracts with an insurance company or agency as a representative of employees, and group-treated insurance is introduced through the company, and the terms of the contract may be preferential, This is a form of insurance in which an individual employee contracts with an insurance company or agency.
[0003]
In either case, the contract procedure is often carried out among the three parties of the employee, the agent and the insurance company. In the case of group insurance, each employee communicates the application information such as the type of insurance and the number of units he / she wants to join to the agent through documents. The agency collects application information for all employees who want to join and contracts with the insurance company. In the case of group-type insurance, each employee individually signs a contract with an insurance company. However, in many cases, the agency provides information on insurance products and inquires about their contents.
[0004]
[Problems to be solved by the invention]
Since there are a wide variety of insurance products recently, the above processing performed by the agency is quite complicated for companies with many employees. In addition, it is difficult for employees who join the company to visit an agent during business hours every time they complete the procedure.
[0005]
In addition, since the agent performs a procedure for a large number of employees, the probability that a procedural error will occur increases, and a problem may occur after the fact. Therefore, it is desirable to be able to confirm in some way that the contract procedure has been performed.
[0006]
The present invention has been made in view of the above points, and an object of the present invention is to provide an insurance contract system capable of performing procedures related to an insurance contract efficiently and safely using a network.
[0007]
[Means for Solving the Problems]
According to the invention described in claim 1, in the insurance contract system, A server of an insurance contract procedure agency having a database, an insurance user terminal, an insurance company host terminal, and an insurance agency terminal are connected via a network, and the agency server. But said Information on insurance products for users And application screen Present Web content for the user to the terminal of the user A first means; Above user Terminal A second means for requesting that an electronic signature is applied to the application data of the insurance product, and an application data to which the user's electronic signature is attached. , Belonging to a given organization plural Above user Terminal Received from Belief A third means for counting and creating total result data, and creating group contract application data based on the total result data Above agency Terminal To Believe In addition, an electronic signature of the agency should be attached to the group contract application data. On the agency ’s terminal A fourth means to request; Above Group contract application data with an electronic signature of the agency From the agency terminal Receiving Belief , Used for the accounting process of the insurance company Create accounting data and attach an electronic signature Above Insurance company Host terminal To Believe A fifth means, Above Original data for accounting data, Above Backup data for accounting data, Above user of Electronic signatures, and Above agency of At least one of the electronic signatures Store in the database Log data including processing contents and processing times executed by the first to fifth means. In the database Means for recording.
[0008]
According to the insurance contract system described above, guidance for insurance products is presented to the user. The user selects the desired insurance product, creates application data, attaches the electronic signature of the user to it, and transmits it. This application data is received from a plurality of users and aggregated to become aggregated result data. The agency creates group contract application data based on the aggregation result data, and sends it with an electronic signature. Accounting data is created based on the group contract application data, and is sent to an insurance company after an electronic signature is attached. Thereafter, the system stores at least one of the original data of the accounting data, the backup data of the accounting data, the electronic signature attached by the user, and the electronic signature attached by the agency. In addition, log data including the contents and time of the process is recorded. Therefore, an insurance contract is quickly made by the network, and log data indicating the history of the procedure can be recorded.
[0009]
The invention according to claim 2 is the insurance contract system according to claim 1, wherein the subscriber card print data created by an insurance company based on the recording data is From the insurance company host terminal Receiving Belief And a means for printing a subscriber card based on the subscriber card print data. Thereby, the subscriber card is distributed to each user.
[0014]
Claim 3 In the insurance contract system, in the insurance contract system, a server of an insurance contract procedure agency company having a database, an insurance user terminal, an insurance company host terminal, and an insurance agency terminal A first means for receiving the estimate data about the insurance contract from the agency terminal, and a user using the user terminal to identify his / her own identification information. A second means for transmitting the estimate data for the user to the user's terminal, and attaching an electronic signature to the estimate data to the user's terminal. A third means for requesting and estimate data to which a user's electronic signature is attached is received from the terminal of the user, accounting data used for the accounting process of the insurance company is created, and the electronic signature is And at least one of the original data of the accounting data, the backup data of the accounting data, the electronic signature of the user, and the electronic signature of the agency Means for storing data in the database, and means for recording log data including processing contents and processing times executed by the first to fourth means in the database.
[0015]
According to the above insurance contract system, the system receives estimated data, and presents estimated data for the user when the user inputs his / her identification information and makes a request. The user attaches an electronic signature to the estimate data and transmits it. Accounting data is created from the transmitted estimate data and sent to the insurance company. Thereafter, the system stores at least one of the original data of the accounting data, the backup data of the accounting data, the electronic signature attached by the user, and the electronic signature attached by the agency. In addition, log data including the contents and time of the process is recorded. Therefore, an insurance contract is quickly made by the network, and log data indicating the history of the procedure can be recorded.
[0016]
Claim 4 The invention described in claim 3 The insurance contract system according to claim 1, further comprising means for receiving insurance policy print data created by an insurance company based on the recording data from a host terminal of the insurance company and printing the insurance policy. As a result, the insurance policy is distributed to the contractor.
[0017]
Claim 5 The invention described in claim 1 to claim 1 4 In the insurance contract system according to any one of the above, means for receiving a request for reissuance of an insurance password related to identification information for identifying the user from the terminal of the user, and the electronic of the reissuer Means for transmitting an e-mail including the reissued insurance password to the e-mail address. Thereby, the insurance password can be reissued without being known to a third party.
[0018]
Claim 6 The invention described in claim 1 to claim 1 5 In the insurance contract system according to any one of the above, the electronic signature required for the user terminal is a predetermined type of electronic signature. As a result, it is possible to request an electronic signature that is valid only for a predetermined item.
[0019]
Claim 7 The invention described in claim 1 to claim 1 6 The insurance contract system according to any one of the above, further comprising means for transmitting the log data to the terminal of the user through the network. Thereby, the user can hold log data of processing performed during the insurance contract, and can check if necessary.
[0020]
Claim 8 The invention described in claim 7 In the insurance contract system according to claim 1, the user terminal stores the received log data in an external storage medium. Thus, the user can save the log data in an external storage medium owned by the user such as an IC card.
[0021]
Claim 9 The invention described in claim 1 to claim 1 8 The insurance contract system according to any one of the above, further comprising means for providing existence proof data of data stored in the database based on an external request. Thereby, the user or the insurance company can obtain the existence proof of the data stored by the request.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
Preferred embodiments of the present invention will be described below with reference to the drawings.
[1] First embodiment
FIG. 1 shows a schematic configuration of an insurance contract system according to an embodiment of the present invention. As shown in the figure, in this system, an agent A for insurance contract procedures, a company B where an insurance subscriber works, and an insurance company (or insurance agent) C are connected via a network 3. The most preferred example of the network 3 is the Internet.
[0023]
Agent company A (hereinafter also referred to as “Company A”) is a company that acts on behalf of insurance company C to perform contract procedures with subscribers or contractors and incidental procedures such as introduction of insurance products. Act as an insurance contract between company B and insurance company C. Company A has its own server 1 and a database 2 connected to the server 1. The database 2 stores electronic form data for presenting and inputting necessary items to subscribers in various insurance contracts. There are many items to be selected / input by the user at the time of the contract, but they are prepared as one component module for each related group and stored in the database 2. For example, an address / name, items related to insurance products, insurance premium payment information, and the like are prepared as individual component modules. The server 1 reads these constituent modules from the database 2 and combines them to form an input form, which is provided to the employee of company B who is a subscriber. The database 2 also stores data necessary for the company A server to operate the insurance sales web.
[0024]
Further, the company A records the processing content and processing time as log data each time any processing is performed during the insurance subscription procedure of the company B or its employees. This log data can be used later as proof when the contents of the contract become a problem. The log data recording will be described in detail later.
[0025]
The insurance company C includes a host terminal 5 and stores contract data relating to a contract that has been established. In addition, insurance company C gives contract data to company A in the form of a storage medium such as a dedicated tape or magnetic tape (MT) in order to create insurance policies and subscriber cards, and uses print factory 9 Print insurance policies and subscriber cards. The print factory 9 can be a part of the company A server or an affiliated company. The subscriber certificate is a subscription certificate distributed to each subscriber belonging to the group in the group contract insurance.
[0026]
The company B includes an in-house intranet 6 connected to the Internet 3, and each employee terminal 7 is connected to the intranet 6. An agent 8 for the company B is also connected to the intranet 6. The agent may be various cases such as an agent of the insurance company C, a related insurance company of the company B, and a general affairs department of the company B.
[0027]
Next, the flow of the insurance contract procedure according to the present embodiment will be described with reference to FIGS. FIG. 2 is a diagram showing an outline of the insurance contract procedure according to the present embodiment, and FIG. 3 is a flowchart thereof. In this embodiment, it is assumed that company B makes a group insurance contract with insurance company C under the agency business of company A.
[0028]
First, Company A produces contents of an insurance sales web operated using the server 1 and provides the contents on the web (step S2). This content is displayed when an agent in charge of the agency or an employee of company B accesses the insurance sales web, and the contents differ for each company. For example, if insurance company C sells only travel accident insurance to company D and sells golf insurance and tennis insurance to other company E in addition to travel accident insurance, The content provided to the company D by the company A server 1 is different from the content provided to the company E. In addition, even with the same travel accident insurance, the insurance company C may apply different conditions such as a premium discount rate for the company D and the company E. Therefore, the company A server 1 creates different contents for each company according to the sales method of the insurance company, and provides them on the insurance sales web. In this case, the company A server prepares several types of basic formats for the contents in advance and stores them in the database 2. An example of the top screen of the basic format is shown in FIG. This basic format is hierarchical data including, for example, insurance product guidance and application form. Then, the optimum content is selected according to the target company, and after some customization for the company, it is provided on the insurance sales web for the company.
[0029]
Next, the company A server 1 accesses the host terminal 5 of the insurance company C and acquires the renewal data of the company B (step S4). The renewal data is prepared based on the contract data with the company B in the insurance company C. Then, the company A server 1 creates a product introduction for the company B based on the acquired renewal data, and provides it to the sales web for the company B.
[0030]
Now, an employee of company B who wants to join accesses the sales web operated by company A and inputs insurance identification data (for example, employee ID and / or insurance password) (step S6). Here, the insurance password is a password for identifying the employee between the employee and the C insurance company. The company A server 1 performs identity verification based on the input employee identification data, and if there is no problem, for example, as shown in FIG. 5A, displays the type of insurance handled (step S8). Looking at this, the employee selects the desired type of insurance. When the insurance type is selected, a corresponding application screen is displayed (see FIG. 5B), and the employee inputs necessary information and transmits it (step S10). When the necessary items have been entered and transmitted, the company A server displays a content confirmation screen (see FIG. 6) showing the application content, and if correct, requests the employee to send with an electronic signature (step S12). .
[0031]
When the employee sends an electronic signature, the company A server receives it and accepts the application (step S14). Thereafter, for all employees of company B who applied for in the same procedure, the number of subscribers and the like is counted for each type of insurance product (step S16). Next, application form data is created from the stamp output form data prepared in advance and stored in the database 2 and the total data obtained by the totalization, and transmitted to the agency 8 (step S18).
[0032]
The agency receives the application form data, attaches the electronic signature of the agency to the application form data, and transmits it to the A company server 1. Also, the agency outputs the received application form data by a printer and forms an application form. The company B is then stamped and mailed to the C insurance company (step S20).
[0033]
The company A server 1 decrypts the received electronic signature with the public key of the agency and confirms that the contents are not falsified. Next, an electronic signature of the company A server is attached to the received application form data to create accounting data, which is sent to the C insurance company (step S22). The accounting data is used for the accounting process in the C insurance company. The accounting data may be transmitted through the network 3 or supplied to the C insurance company in the form of a storage medium such as a magnetic tape.
[0034]
Next, the insurance company C collates the application form received by mail with the accounting data, and performs an accounting process if there are no errors (step S24). Then, based on the accounting data, subscriber card print data for printing the subscriber card is created and sent to the printing factory 9 through company A or directly (step S26). A subscriber card is created for each subscriber (company B employee) and can include the insurance password display described above. Since the subscriber card print data is required to have high security, it is transmitted through a dedicated line connecting the host terminal 5 of the insurance company C and the print factory 9, or is sent in the form of a storage medium such as a magnetic tape.
[0035]
The print factory 9 receives the subscriber card print data, prints the subscriber card, and sends it to the agency in a batch or sends it individually to each subscriber (company B employee) (step S28). In this way, the group insurance contract procedure is completed.
[0036]
As described above, according to the present embodiment, the employee of the company B can easily apply for insurance participation using the network. Further, since the company A server 1 receives each employee's application as data, the company B unit can be aggregated quickly and accurately.
[0037]
In addition, an electronic signature is given in an important process in the contract procedure. As a result, it is guaranteed that the signer surely agrees with the data content, and protection is also provided against tampering during transmission over the network after signing. In the above example, when an employee of company B transmits subscription application data online, an electronic signature is made to clarify the intention of subscription. In addition, the agency performs an electronic signature at the time of printing the application form as a corporation, and indicates consent to the contents. In addition, the agency A attaches its own electronic signature to the application data with the electronic signature of the agency received from the agency and sends it to the C insurance company. Proof that the company has done. Note that the above-described situation of attaching an electronic signature is merely an example, and an electronic signature may be required in other situations. For example, when a C insurance company sends subscriber card print data to a print factory or company A, an electronic signature of the C insurance company can be attached to prevent tampering. Further, the agency company A can deposit the keys of the insurance company C and / or the agency, and can attach an electronic signature instead in terms of confirmation of contract establishment.
[0038]
Also, management of contract data after the contract is established can be performed in various ways. For example, the company A server can store the original contract data with an electronic signature of the agent, the company A, and, if necessary, the C insurance company. Alternatively, only backup data of the contract data can be stored and the original data can be sent to the insurance company. Further, neither the original data nor the backup data can be stored, and only the attached electronic signature data can be stored. The electronic signature data can be used as a proof of existence of the contract because it indicates the consent of the subject who gave it. Further, since the electronic signature data has a smaller data amount than the original data and the like, if only the electronic signature data is stored, the data amount to be stored by the company A server can be reduced. Furthermore, all or any combination thereof can be stored. The company A server can perform proof of existence and content proof when the data stored in this way is later requested by a user or an insurance company.
[0039]
Further, in the present invention, the contents and time of the processing performed during the contract procedure are recorded as log data. Specifically, event IDs are assigned in advance to the processing performed by Company A shown in FIG. 2, and when each processing is completed, the event ID and completion time are recorded as log data. As a result, Company A can use the log data to verify the existence of the contract itself and individual procedures when any problem occurs later in the contract. The log data can be recorded on the employee's IC card 10 from the company A server 1 via the network 3 and the intranet 6 when the employee of the company B requests after the contract is established. As a result, the employee can keep historical data about the contract procedure. If the insurance company, agency, employee, etc. request to view log data after the contract is established, the company A server provides the log data with its electronic signature attached to the log data. You can prove the contents of
[0040]
In addition, although the above explanation was about renewal of an insurance contract, in the case of a new contract, the contract procedure can be similarly performed. However, in that case, since the renewal data file does not exist in the insurance company C, the company A creates a product introduction without using the renewal data.
[0041]
Next, insurance password reissue processing will be described. As mentioned above, the insurance password is important information required when browsing or changing the contract details. Therefore, even if the person forgets the insurance password, the insurance password can be re-established in a way that cannot be easily obtained by a third party. It is necessary to issue. For this reason, in the present invention, the insurance password is reissued using electronic mail.
[0042]
Specifically, as shown in FIG. 7, an employee who wishes to reissue accesses the insurance sales web of company A and inputs employee identification data (employee ID, etc.) (see step S34, FIG. 8A). . Then, a request for reissuing the insurance password is made (step S36). Then, the company A server 1 displays a request acceptance completion screen (see FIG. 8B) (step S38). Thereafter, the company A server 1 transmits an e-mail including a new insurance password to the e-mail address of the employee registered in advance (step S40). In this way, even if a third party obtains the employee number of another employee and attempts to change or reissue another person's insurance password for an unauthorized purpose, the new password cannot be known.
[2] Second embodiment
Next, a second embodiment of the present invention will be described with reference to FIGS. FIG. 9 shows an outline of the insurance contract procedure according to the second embodiment, and FIG. 10 shows a flowchart thereof. The second embodiment is a procedure when a company B employee renews an insurance contract with a C insurance company by a group-treated insurance contract. The system configuration used is the same as that of the first embodiment shown in FIG.
[0043]
Referring to FIGS. 9 and 10, first, company A creates content as in the first embodiment (step S42), accesses C insurance company to obtain renewal data, creates a product introduction, Provide to the web (step S44). In addition, the C insurance company sends a contract renewal application form to each employee of the company B by mail (step S46).
[0044]
The employee of the company B that has received the renewal application forms accesses the insurance sales web of the company A and inputs identification data such as an employee ID (step S48). The company A server confirms the identity based on the entered employee ID, and if there is no problem, displays insurance product information such as a recommended plan for renewal (step S50). The insurance product information displayed here may be displayed in the form of a form such as an actual renewal application form mailed in advance, or may be displayed as a screen listing necessary information.
[0045]
Employees view information on insurance products such as recommended plans on Company A's insurance sales website. If necessary, an estimate can be obtained by entering summary conditions. That is, when an estimate request is instructed on the web and necessary conditions are entered, estimate information when the plan is revised is displayed. In addition, if you have any questions about recommended plans, you can make inquiries on the web. In this way, the employee decides on a plan for renewal, fills in the renewal application form mailed first, signs and seals it, and mails it to the C insurance company. In addition, when renewing according to the estimate newly obtained on the website as described above, the displayed estimate information is printed out as an application form, and necessary items are filled in, signed and stamped to the C insurance company. Mail. C Insurance company creates insurance policy based on the application form and sends it to employees. In this way, the contract is renewed.
[0046]
Also in this embodiment, as in the first embodiment, the company A server records log data for each procedure, and allows the C insurance company, agents, employees, etc. to browse when necessary. It is also possible to record log data on the employee's IC card 10 via the terminal device.
[0047]
In addition, since the reissuing method when the employee forgets the insurance password and the web content production by the company A server are the same as those in the first embodiment, duplicate explanation is not given.
[3] Third embodiment
Next, a third embodiment of the present invention will be described with reference to FIGS. FIG. 11 shows an outline of the insurance contract procedure in this embodiment, and FIG. 12 shows a flowchart thereof. The third embodiment is processing when the employee of company B renews the insurance contract with the C insurance company by the group-treated insurance contract as in the second embodiment, but the renewal application is not mailed. This is different from the second embodiment in that it is provided to employees via the insurance sales web. The system configuration is the same as that of the first embodiment shown in FIG.
[0048]
Referring to FIG. 11, first, as in the first embodiment, Company A creates content (step S52), accesses C Insurance Company to obtain renewal data, creates a product introduction, and creates its own web site. (Step S54). The employee of company B accesses the website of company A and inputs identification data such as an employee ID (step S56). The company A server confirms the identity based on the entered employee ID and displays insurance product information such as a recommended renewal plan if there is no problem (step S58).
[0049]
Employees view information on insurance products such as recommended plans on the insurance sales website. If necessary, an estimate can be obtained by inputting predetermined outline conditions. That is, when an estimate request is instructed on the insurance sales web of Company A and necessary conditions are entered, estimate information when the plan is revised is displayed. In addition, if you have any questions about recommended plans, you can make inquiries on the web. Thus, the employee determines a plan to be renewed, inputs necessary items for renewal, and transmits them to the company A server 1 (step S60).
[0050]
The company A server creates and displays a content confirmation screen based on the input items, and if the content is correct, requests that the employee's electronic signature be attached in the sense of consent (step S62). On the other hand, when the employee sends an application data with an electronic signature, the company A server receives this and accepts the application (step S64). Next, the company A server creates accounting data from the received application data, attaches the electronic signature of company A to the data, and sends it to the insurance company C (step S66). The insurance company C receives the accounting data and performs accounting processing (step S68). Next, securities print data for printing the securities is created and sent to the printing factory via the company A or directly (step S70). The print factory prints the security based on the received security print data and delivers it to the employee (contractor) (step S72). In this way, employees can renew insurance contracts.
[0051]
In the present embodiment, the agent is not directly involved in the employee contract procedure, but functions as a contact point for inquiries regarding the contract of the employee or in-house contract status. For example, when an employee receives an inquiry about a recommended plan presented on the insurance sales web of company A, the insurance terminal can access the insurance sales web in the same manner from the agency terminal and answer the inquiry. Further, if necessary, it is possible to connect to the company A server and browse the renewal information by designating the ID of the employee or print out the agent copy of the renewal application form.
[0052]
Similarly to the first embodiment, the company A server can attach the electronic signature of the insurance company C or the agency that has been deposited in advance to the accounting data.
[0053]
In the above example, the renewal application procedure is performed by transmitting the application data, but the application procedure can also be performed by mailing the renewal application form. In that case, the employee accesses the insurance sales web of Company A, determines the renewal plan, and then prints out the application form using a printer or the like to make an application form. Then, necessary items can be entered, signed and sealed, and sent to Company A or Company C. In this case, it is desirable that the company A server is configured so that the application can be printed out only after the employee has expressed his intention to agree to the plan.
[0054]
In addition to the employee ID and password, the identity verification in step S58 may be performed using the employee's digital certificate if the employee has previously registered his / her electronic signature with a predetermined certificate authority. it can.
[0055]
Also in the present embodiment, as in the first embodiment, the company A server records log data for each procedure, and allows the C insurance company, agents, employees, etc. to browse when necessary. It is also possible to record log data on the employee's IC card 10 via the terminal device.
[0056]
In addition, since the reissuing method when the employee forgets the insurance password and the web content production by the company A server are the same as those in the first embodiment, duplicate explanation is not given.
[0057]
In addition, for the storage of contract data to which Company A has an electronic signature, the Company A server employs various methods such as storage of original data, storage of backup data, and storage of only the electronic signature, as in the first embodiment. can do.
[4] Fourth embodiment
Next, a fourth embodiment of the present invention will be described with reference to FIGS. FIG. 13 shows an outline of the insurance contract procedure according to the present embodiment, and FIG. 14 shows a flowchart thereof. The fourth embodiment is for a case where an employee of company B makes a new group insurance policy with C insurance company. The system configuration is the same as that shown in FIG.
[0058]
First, the employee of company B consults with the person in charge of the agency about the contents of insurance to be contracted by telephone or interview. The consultation ends when the insurance content is determined to some extent. The agent in charge of the agency connects to the company A server at the agency terminal or executes a program on the terminal device to create insurance contract estimate data for the determined content and uploads it to the company A server (step S80). At this time, the electronic signature of the agency can be attached as confirmation of the creator.
[0059]
The employee connects to the insurance sales web of company A using his / her terminal device, inputs employee identification data, and browses estimate data created by the agent in step S80 (step S82). Then, after confirming the contents, an electronic signature is attached to the estimated data in the sense of consent and transmitted to the company A server (step S84). The company A server receives estimate data with electronic signature (which can be referred to as application data), and creates data for accounting to the C insurance company (step S86). At this time, the company A server attaches an electronic signature to the accounting data to indicate that it has handled the contract. Then, the company A server transmits the accounting data to the insurance company C (step S88). Next, the insurance company C receives the accounting data and performs accounting processing (step S90). Next, the insurance company C creates securities print data and sends it to the printing factory via the company A server or directly (step S92). The print factory receives the securities print data, prints the securities, and sends them to the contractor (step S94). As described above, employees can make new insurance contracts using the web.
[0060]
In the above example, if the application is not made on the insurance sales website, the employee will print out the estimate data presented on the company A server to make an application form and mail it to insurance company C after signing and sealing. To do. The insurance company C receives this application form and performs processing after the recording process.
[0061]
In the above example, the applicant and the agent in charge consult with the telephone to create an estimate, but in addition to this, the applicant accesses the company A's insurance sales web, It is also possible to create an estimate only by the applicant by entering the desired conditions. In this case, the applicant can confirm the contents and proceed to the processing after step 84. The applicant can also request the agency to create an estimate by connecting to the agency terminal 8 via the intranet 6 and sending desired conditions to the agency terminal. In this case, the estimate created by the person in charge of the company is uploaded to the company A server, as in the case of consultation over the telephone, so that the applicant views the estimate on the company A's insurance sales web and applies. It will be.
[0062]
Also in the present embodiment, as in the first embodiment, the company A server records log data for each procedure, and allows the C insurance company, agents, employees, etc. to browse when necessary. It is also possible to record log data on the employee's IC card 10 via the terminal device. In addition, since the reissuing method when the employee forgets the insurance password and the web content production by the company A server are the same as those in the first embodiment, duplicate explanation is not given.
[0063]
In addition, for the storage of contract data to which Company A has an electronic signature, the Company A server employs various methods such as storage of original data, storage of backup data, and storage of only the electronic signature, as in the first embodiment. can do.
[5] Other
In the above-described embodiment, when an employee gives his / her own electronic signature, key data can be stored in advance in a storage medium such as the IC card 10 shown in FIG. In this case, in one method, when an employee inputs an instruction to perform an electronic signature to the employee terminal 7, the key data is automatically read from such a storage medium, and an electronic signature is created and attached. Can be configured. Alternatively, in response to an instruction from the employee, data to be attached with an electronic signature is read into the employee's IC card 10 and an electronic signature is created in the IC card 10, and then the signature data is transferred to the A company server. 1 can be sent. The latter method is superior in terms of security because it is not necessary to move the user's key data out of the IC card.
[0064]
In addition, the electronic signature requested by the company A server to the employee can be a specific signature such as a certificate obtained by a specific certificate authority. For example, an electronic signature registered with respect to a bank account for deduction of insurance premiums, an electronic signature registered with a specific certificate authority, or the like. This makes it possible to give a special meaning to an electronic signature by using an electronic signature that is valid only for specific matters.
[0065]
In addition, the electronic signature requested by the company A for employees can be requested not only for each document such as an application form but also for each item in one document. For example, in addition to attaching an electronic signature to the entire application form, it is possible to request that an electronic signature registered for the account be attached to only the portion of the account where the insurance fee is deducted.
[0066]
【The invention's effect】
As described above, according to the present invention, an insurance contract can be easily and quickly performed using a network. Further, by using an electronic signature as necessary, the consent of the person who performs the procedure can be left as data. In addition, log data including the contents and time of the processing performed during the insurance contract procedure is recorded, so if there is any doubt about the processing or the contract itself after the contract, the log data can be verified Can be used for
[Brief description of the drawings]
FIG. 1 shows a schematic configuration of an insurance contract system according to the present invention.
FIG. 2 is a diagram showing an outline of an insurance contract procedure according to the first embodiment of the present invention.
FIG. 3 is a flowchart of an insurance contract procedure according to the first embodiment of the present invention.
4 is a view showing a display example of an insurance sales web in the insurance contract procedure of FIG. 2; FIG.
5 is another view showing a display example of an insurance sales web in the insurance contract procedure of FIG. 2. FIG.
6 is another view showing a display example of an insurance sales web in the insurance contract procedure of FIG. 2. FIG.
FIG. 7 is a flowchart showing insurance password reissue processing;
FIG. 8 is a diagram showing an example of a display screen in insurance password reissue processing;
FIG. 9 is a diagram showing an outline of an insurance contract procedure according to a second embodiment of the present invention.
FIG. 10 is a flowchart of an insurance contract procedure according to the second embodiment of the present invention.
FIG. 11 is a diagram showing an outline of an insurance contract procedure according to a third embodiment of the present invention.
FIG. 12 is a flowchart of an insurance contract procedure according to a third embodiment of the present invention.
FIG. 13 is a diagram showing an outline of an insurance contract procedure according to a fourth embodiment of the present invention.
FIG. 14 is a flowchart of an insurance contract procedure according to a fourth embodiment of the present invention.
[Explanation of symbols]
1 ... Company A server
2 ... Database
3 ... Network
5 ... Host terminal
6 ... Intranet
7… Employee terminal
8 ... Agency terminal
9 ... Print factory
10 ... IC card

Claims (9)

The server of the insurance contract procedure agency company that has a database, the terminal of the insurance user, the host terminal of the insurance company, and the terminal of the insurance agent are connected via a network,
The server of the agency is
First means for transmitting web content for presenting insurance product guidance and an application screen to the user to the user terminal;
A second means for requesting the user terminal to attach an electronic signature to the application data of the insurance product;
A third means for receiving application data to which a user's electronic signature is attached from a plurality of the terminals of the users belonging to a predetermined group, and summing up to create aggregate result data;
A group contract application data is created based on the aggregated result data and transmitted to the agency terminal, and the agency terminal is requested to attach an electronic signature of the agency to the group contract application data. Means of
The group contract application data with the electronic signature of the agency is received from the terminal of the agency, the accounting data used for the accounting process of the insurance company is created, and the insurance company is attached with the electronic signature A fifth means for transmitting to the host terminal of
Means for storing at least one of the original data of the accounting data, backup data of the accounting data, the electronic signature of the user, and the electronic signature of the agency in the database;
An insurance contract system comprising: means for recording log data including processing contents and processing times executed by the first to fifth means in the database.   It has means for receiving subscriber card print data created by an insurance company based on the accounting data from a host terminal of the insurance company and printing the subscriber card based on the subscriber card print data. The insurance contract system according to claim 1. The server of the insurance contract procedure agency company that has a database, the terminal of the insurance user, the host terminal of the insurance company, and the terminal of the insurance agent are connected via a network,
  The server of the agency is
  First means for receiving estimate data for an insurance contract from a terminal of the agency;
  A second means for transmitting estimate data about the user to the user terminal when the user requests the estimate by inputting his / her identification information using the user terminal;
  A third means for requesting the terminal of the user to attach an electronic signature to the estimated data;
The estimate data with the user's electronic signature is received from the terminal of the user, the accounting data used for the accounting process of the insurance company is created, and the insurance company's host terminal is attached with the electronic signature A fourth means for transmitting to,
  Means for storing at least one of the original data of the accounting data, backup data of the accounting data, the electronic signature of the user, and the electronic signature of the agency in the database;
An insurance contract system comprising: means for recording, in the database, log data including processing contents and processing times executed by the first to fourth means.   4. The insurance contract system according to claim 3, further comprising means for receiving insurance policy print data created by an insurance company based on the recording data from a host terminal of the insurance company and printing the insurance policy. Means for receiving a request for reissuance of an insurance password related to identification information for identifying the user from the terminal of the user;
  The insurance contract according to any one of claims 1 to 4, further comprising means for sending an e-mail including a reissued insurance password to the e-mail address of the reissue requester. system. The insurance contract system according to any one of claims 1 to 5, wherein the electronic signature required for the user terminal is a predetermined type of electronic signature. The insurance contract system according to any one of claims 1 to 6, further comprising means for transmitting the log data to the user terminal through the network. The insurance contract system according to claim 7, wherein the user terminal stores the received log data in an external storage medium. 9. The insurance contract system according to claim 1, further comprising means for providing existence proof data of data stored in the database based on an external request .

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