JP6239168B1 - Disaster insurance management system - Google Patents

Abstract

An object of the present invention is to calculate an assumed life expectancy and an assumed medical cost of a subject. A disaster insurance management system 10 includes a storage medium in which contract information indicating disaster insurance contract details for each insured is recorded, and a payout condition for receiving an input of an insurance payout condition for an object to be compensated for the disaster insurance. Input receiving means, disaster information receiving means for receiving disaster information from an external device, contents of disaster that occurred when disaster information was received by the disaster information receiving means, contract information recorded in a storage medium, insurance Compared to the conditions for paying out the money, the insured whose contract information is recorded on the storage medium is subject to the payout of the insured whose damage status matches the insurance payout conditions. The payee identification method to be extracted as a person and the insurance amount of a predetermined amount are transferred to the insurance fee receiving account specified by the payee And a first payout processing execution means for executing the insurance payout processing for. [Selection] Figure 1

Description

  The present invention relates to a disaster insurance management system.

  The following information processing apparatuses are known. In this information processing apparatus, when a disaster occurs, insurance information is transmitted to a customer who lives in the affected area (for example, Patent Document 1).

Japanese Patent Laying-Open No. 2015-125557

  It is desirable for insured persons of disaster insurance to pay out insurance money promptly when a disaster occurs. On the other hand, it has been difficult for insurance companies to realize quick payment of insurance money because it takes time to understand the disaster situation and specify the amount of payment. According to the conventional technology, insurance information can be provided promptly to an insured person, but no technology has been studied for realizing a quick payment of insurance money.

The disaster insurance management system according to the present invention shows disaster insurance contract contents for each insured person, and includes a compensation object image obtained by photographing the compensation object of the disaster insurance before the occurrence of the disaster and position information of the compensation object. A disaster is detected from a storage medium that records contract information, a payment condition input receiving means for receiving an input of insurance payout conditions in the event of a disaster for a disaster insurance compensation object, and an external device connected via a communication line. Disaster information receiving means for receiving disaster information indicating that the disaster has occurred, the contents of the disaster that occurred when the disaster information was received by the disaster information receiving means, the contract information recorded in the storage medium, and the payment of insurance money Compared with the conditions, out of the insured whose contract information is recorded on the storage medium, the insured whose damage status of the compensation object matches the insurance payout condition is maintained. The payee identification method that is extracted as the person to be paid out, and the insurance receipt account that is specified by the insured who is extracted as the payee by the payee identification means with a predetermined amount of insurance money The first payout process execution means for executing the insurance payout process to transfer to the payout target and the payable person insured who was not extracted as the payout target person by the payee identification means When a request for payout is received by the payout request accepting means for accepting an insurance payout request by receiving input of payout request information including the post-disaster image of the photographed object and the position information of the compensation object, and when the payout request is accepted by the payout request accepting means In addition, the notification means to notify the person in charge of the insurance company and the compensation object image before the disaster occurs With the position information of the fine compensation object, and the damage situation confirmation screen presenting means for presenting the damage situation confirmation screen that displays side-by-side and position information of the disaster after the image and compensation object after a disaster to the insurance company of the person in charge The damage status confirmation screen presenting means includes the shooting location of the compensation object identified based on the position information of the compensation object before the disaster occurrence and the compensation object identified based on the position information of the compensation object after the disaster occurrence. When the shooting location matches, the information indicating that the shooting location of the compensation object image matches the shooting location of the post-disaster image is displayed in the damage status confirmation screen .

  According to the present invention, in the event of a disaster, based on pre-registered payment conditions, the insured who can pay the insurance money and the amount of the insurance money to be paid are identified and automatically paid. Since it can be paid out, the insurance money can be quickly paid out to the insured.

1 is a block diagram showing a configuration of an embodiment of a disaster insurance management system 10. FIG. 2 is a block diagram illustrating a configuration of an embodiment of an insured terminal 100. FIG. It is a block diagram which shows the structure of one Embodiment of the disaster insurance management apparatus. 3 is a block diagram showing a configuration of an embodiment of an insurance company terminal 300. FIG. It is a figure which shows an example of an insurance money payment status management screen. It is a flowchart figure which shows the flow of the process performed with the insured terminal 100 in 1st Embodiment. It is a flowchart figure which shows the flow of the process performed with the disaster insurance management apparatus 200 in 1st Embodiment. It is a flowchart figure which shows the flow of the process performed with the insurance company terminal 300 in 1st Embodiment. It is a flowchart figure which shows the flow of the process performed with the insured terminal 100 in 2nd Embodiment. It is a flowchart figure which shows the flow of the process performed with the disaster insurance management apparatus 200 in 2nd Embodiment. It is a flowchart figure which shows the flow of the process performed with the insurance company terminal 300 in 2nd Embodiment.

-First embodiment-
FIG. 1 is a block diagram showing a configuration of an embodiment of a disaster insurance management system 10 according to the present embodiment. The disaster insurance management system 10 handles the insured terminal 100 operated by the insured person of the disaster insurance, the disaster insurance management apparatus 200 that receives data from the insured terminal 100 and executes processing, and handles the disaster insurance. An insurance company terminal 300 installed in the insurance company is connected via a communication line.

  As the insured terminal 100, for example, a smartphone, a mobile phone, a tablet terminal, a personal computer, or the like is used. FIG. 2 is a block diagram showing a configuration of an embodiment when a smartphone is used as the insured terminal 100 in the present embodiment. In the present embodiment, the insured terminal software for executing the processing described below is installed in the smartphone, thereby operating as the insured terminal 100 in the present embodiment. The insured terminal software program is provided by being published on a server connected via the Internet, and the operator obtains it by downloading and is installed in the insured terminal 100 in advance. It shall be. Alternatively, the insured terminal software program may be provided by being recorded on a recording medium such as a CD-ROM or a DVD-ROM.

  The insured terminal 100 includes a touch panel 101, a communication module 102, a camera 103, a GPS module 104, and a control device 105.

  The touch panel 101 is an electronic component that combines a display device such as a liquid crystal panel and a position input device such as a touch pad, and is an input device that can operate a device by pressing a display on a screen. For example, the operator of the insured terminal 100 can operate the insured terminal 100 by touching or sliding display items such as buttons and menus displayed on the liquid crystal panel using a finger or a touch pen. it can. Touch panel 101 detects an operation such as a touch or a slide by an operator and outputs a detection signal to control device 105.

  The communication module 102 includes a module for connecting the insured terminal 100 to the Internet via a LAN or a cellular phone communication network by wireless or wired. The insured terminal 100 can communicate with the disaster insurance management apparatus 200 by connecting to the Internet via the communication module 102.

  The camera 103 is a well-known imaging device that includes a lens, an imaging device, and other peripheral circuits.

  The GPS module 104 is a module for communicating with a GPS satellite and receiving positioning information for specifying the current position from the GPS satellite, and includes an antenna, a control circuit, and the like for communicating with the GPS satellite. .

  The control device 105 includes a CPU, a memory, and other peripheral circuits, and controls the entire insured terminal 100. Note that the memory constituting the control device 105 includes, for example, a volatile memory such as SDRAM and a non-volatile memory such as flash memory. The volatile memory is used as a work memory for the CPU to expand the program when the program is executed and a buffer memory for temporarily recording data. In addition, in the nonvolatile memory, firmware for operating the insured terminal 100 and software program data for operating various applications are recorded. In the present embodiment, the above-described insured terminal software program is recorded in this nonvolatile memory.

  The disaster insurance management apparatus 200 is an apparatus connected to the Internet, and for example, a personal computer or a server is used. FIG. 3 is a block diagram showing a configuration of an embodiment when a server device is used as the disaster insurance management device 200 in the present embodiment. The disaster insurance management device 200 includes a connection interface 201, a control device 202, and a storage medium 203.

  The connection interface 201 is an interface for connecting the disaster insurance management apparatus 200 to a communication line such as the Internet. For example, a wired LAN module for connecting to the Internet by wire or a wireless LAN for connecting to the Internet wirelessly. Modules are used. In the present embodiment, the disaster insurance management device 200 communicates with the insured terminal 100 and the insurance company terminal 300 via the connection interface 201.

  The control device 202 includes a CPU, a memory, and other peripheral circuits, and controls the entire disaster insurance management device 200. In addition, the memory which comprises the control apparatus 202 is volatile memories, such as SDRAM, for example. This memory is used as a work memory for the CPU to expand the program when the program is executed and a buffer memory for temporarily recording data. For example, data read through the connection interface 201 is temporarily recorded in the buffer memory.

  The storage medium 203 is a storage medium for recording various data stored by the disaster insurance management apparatus 200, data of a program to be executed by the control apparatus 202, and the like, for example, HDD (Hard Disk Drive), SSD (Solid). State Drive) or the like is used. The program data recorded on the storage medium 203 is provided by being recorded on a recording medium such as a CD-ROM or DVD-ROM, or provided via a network, and stores the program data acquired by the operator. By installing in the medium 203, the control device 202 can execute the program.

  The insurance company terminal 300 is an insured terminal installed at an insurance company and operated by a person in charge of the insurance company. For example, a personal computer, a smartphone, a tablet terminal, or the like is used. FIG. 4 is a block diagram showing a configuration of an embodiment when a personal computer is used as the insurance company terminal 300. The insurance company terminal 300 includes an operation member 301, a connection interface 302, a control device 303, a storage medium 304, and a display device 305.

  The operation member 301 includes various devices operated by an operator of the insurance company terminal 300, such as a keyboard and a mouse.

  The connection interface 302 is an interface for connecting the insurance company terminal 300 to an external device such as another device or a terminal. For example, the insurance company terminal 300 includes an interface for connecting to a communication line such as a LAN or the Internet. The insurance company terminal 300 communicates with the disaster insurance management apparatus 200 via the connection interface 302.

  The control device 303 includes a CPU, a memory, and other peripheral circuits, and controls the insurance company terminal 300 as a whole. Note that the memory constituting the control device 303 is a volatile memory such as an SDRAM. This memory is used as a work memory for the CPU to expand the program when the program is executed and a buffer memory for temporarily recording data. For example, data read through the connection interface 302 is temporarily recorded in the buffer memory.

  The storage medium 304 is a storage medium for recording various data stored by the insurance company terminal 300, data of a program executed by the control device 303, and the like, for example, HDD (Hard Disk Drive), SSD (Solid State). Drive) or the like is used. The program data recorded in the storage medium 304 is provided by being recorded on a recording medium such as a CD-ROM or DVD-ROM, or provided via a network, and stores the program data acquired by the publisher. By installing in the medium 304, the control device 303 can execute the program.

  The display device 305 is a liquid crystal monitor, for example, and displays various display data output from the control device 303.

  The disaster insurance management system 10 according to the present embodiment provides a mechanism capable of promptly paying out insurance money when a disaster occurs to an insured who has joined the disaster insurance. The disaster insurance in the present embodiment covers insurance in which an insurance company pays insurance money to an insured person when a disaster occurs. For example, fire insurance (house fire insurance, comprehensive housing insurance, earthquake Insurance, store comprehensive insurance), automobile insurance, accident insurance (assuming accidents due to disasters such as earthquakes and tsunamis), income compensation insurance (assuming workplaces lost due to disasters, difficult to work, etc.) are assumed.

  In the present embodiment, the disaster insurance contract has been completed between the insured and the insurance company, and the contract information indicating the contract details for each contract is recorded in the storage medium 203 of the disaster insurance management apparatus 200. It shall be. The contract information includes, for example, personal contact information of the insured person, basic information of the insured person, contract insurance plan information indicating the contents of the contracted insurance plan, and compensation object information regarding the compensation object.

  The personal contact information of the insured person includes information such as the insured person's name, address, e-mail address, and telephone number. The basic information of the insured person includes information on gender, date of birth, address (prefecture and city only), and insurance fee receiving account. The contract insurance plan information includes information such as the name of the insurance plan of the contracted insurance plan, the name of the insurance company providing the insurance plan, premiums, compensation period, compensation details (payment conditions), compensation items, compensation conditions, contract date, etc. included. Compensation object information includes the address of the compensation object, the type of compensation object (detached house, condominium), building structure (steel reinforced concrete, steel reinforced concrete, steel frame, wooden), asset value (age, deterioration over time, Compensation object images taken with the subject of compensation as a subject, such as antique rarity value, damage from past disasters, etc.) included. In addition, position information indicating the shooting date and time of the compensation target image, for example, latitude and longitude information is added to the header information of the compensation target image.

  An operator of the insurance company terminal 300, for example, a person in charge of the insurance company, operates the insurance company terminal 300 to input the insurance payout conditions when a disaster occurs in advance and register it in the disaster insurance management apparatus 200. Keep it. The insurance payout conditions vary depending on the disaster covered by the insurance plan. In the case of earthquake insurance, for example, the distance from the epicenter of the compensation object, the magnitude, the type of the compensation object (detached house, condominium), Each information of building structure (reinforced concrete structure, steel reinforced concrete structure, steel structure, wooden structure) is registered. In the following description, the contents of the process will be described on the assumption that the insured pays insurance money to the insured when an earthquake occurs in a situation where the insured is in the earthquake insurance.

  The control device 303 of the insurance company terminal 300 transmits information on the insurance payout conditions input by the operator to the disaster insurance management device 200. In the disaster insurance management device 200, when the control device 202 receives information related to insurance payout conditions from the insurance company terminal 300, the control device 202 records the received information in the storage medium 203.

  The control device 202 can receive disaster information from an external disaster information transmission system via a communication line. When an earthquake occurs, the control device 202 receives disaster information including information such as an epicenter, a disaster occurrence area, a magnitude, and a seismic intensity from the disaster information transmission system.

  When the disaster information is received, the control device 202 transmits notification information for notifying the insured terminal 100 and the insurance company terminal 300 that a disaster has occurred. As the notification information, a message indicating that a disaster has occurred, and information such as the epicenter, the disaster occurrence area, the magnitude, and the seismic intensity included in the disaster information are notified.

  When receiving the notification information from the disaster insurance management device 200, the control device 105 of the insured terminal 100 displays the received notification information on the touch panel 101. Further, when receiving the notification information from the disaster insurance management device 200, the control device 303 of the insurance company terminal 300 displays the received notification information on the display device 305. As a result, the insured person or the person in charge of the insurance company can grasp the fact of the disaster and the contents of the disaster that occurred.

  Further, when the disaster information is received, the control device 202 determines whether or not the contract information recorded in the storage medium 203 includes contract information to be automatically paid for insurance money. In the present embodiment, the control device 202 compares the information related to the insurance payout condition recorded in the storage medium 203 with the contract information, and the contract information satisfying the insurance payout condition from the contract information. Execute payout condition match search processing for extracting.

  Specifically, the control device 202 identifies the epicenter and magnitude based on the disaster information. Then, the control device 202 insures the distance from the epicenter of the compensation object specified based on the address of the compensation object included in the compensation object information from the contract information recorded in the storage medium 203. It is within the distance from the epicenter of the compensation object set as the condition for paying out the gold, the magnitude indicating the magnitude of the earthquake is greater than the magnitude set as the condition for paying out the insurance, and the object to be compensated in the contract information The type of the compensation object included in the information matches the type of the compensation object set as the insurance payout condition, and the building structure of the compensation object is set as the insurance payout condition. The insured person with the contract information matching the type is extracted as the person to be automatically paid out.

  The control device 202 identifies the insured person's insurance fee receiving account based on the insured person's contract information extracted as the person who automatically pays the insurance money, and pays out a predetermined amount of insurance money to the identified account By performing the process, the insurance money is paid out to the insured who is the disaster victim. In addition, the amount of insurance money to be paid when performing automatic payment shall be specified based on the compensation content included in the contract information. For example, even if the amount paid when the compensation object is completely destroyed, Alternatively, it may be set in advance such as 50% of the compensation amount at the time of complete destruction.

  When paying the insurance money to the insured person, the control device 202 records the payout completion information including information on the date and time of paying out the insurance money and the payout amount in association with the contract information of the corresponding insured person. . In addition, the control device 202 transmits a payout completion notification for notifying that the payout is completed to the insured terminal 100. As a result, the insured can grasp that the insurance money has been transferred.

  The person in charge of the insurance company can check the insurance payout result by operating the insurance company terminal 300. When the control device 303 of the insurance company terminal 300 receives an instruction to confirm the result of paying out the insurance money from the operator, the control device 303 accesses the disaster insurance management device 200 to obtain the contract information and the payout completion information for each contract. Obtained and displayed on the display device 305. At this time, the operator may specify identification information for uniquely identifying the contract, and may instruct confirmation of the insurance payout result for the specific contract. For all contracts for which completion information is recorded, it may be possible to instruct confirmation of insurance payout results for a specific contract.

  In the present embodiment, the insured who has not been subject to the automatic payout of insurance money can operate the insured terminal 100 and request the insurance company to pay out the insurance money. When the insured requests the insurance company to pay out the insurance money, the insured person takes a post-disaster image using the compensation object after the disaster as a subject as damage situation information for conveying the damage situation of the compensation object. When the insured is instructed to shoot, the control device 105 controls the camera 103 to shoot the compensation object to obtain a post-disaster image, and in the header of the post-disaster image data, The shooting position information acquired from the module 104 is recorded. The victim displays a withdrawal request screen for requesting the withdrawal of insurance money on the touch panel 201, registers the insurance amount to be applied for the withdrawal and the image data after the disaster on the withdrawal display screen, and issues a withdrawal request. It can be carried out. When the control device 105 receives a payout request from the insured person, the control device 105 transmits payout request information including the payout application amount and post-disaster image data to the disaster insurance management device 200.

  The payment application amount is determined based on the compensation details of the insurance plan and the degree of damage to the compensation object. For example, it is 30 million yen for complete destruction, 18 million yen for most destruction, and small breakage 9 million yen, or 1.5 million yen in case of partial damage. The insured person may directly input the amount desired to be paid out on the payout display screen, or by selecting the degree of damage of the compensation object from complete destruction, most destruction, minor destruction, and partial damage. The payout amount according to the degree of damage to the compensation object may be indirectly specified.

  In the disaster insurance management apparatus 200, when receiving the payout request information from the insured terminal 100, the control device 202 records the payout request information in association with the contract information of the corresponding insured person. In addition, the control device 202 notifies the insurance company terminal 300 that there has been a request for paying out insurance money from the insured.

  The person in charge of the insurance company operates the insurance company terminal 300 and confirms the contents of the request from the insured person when receiving a notification from the disaster insurance management apparatus 200 indicating that there has been a request for paying out insurance money. can do. When the person in charge is instructed to confirm the request content, the control device 303 accesses the disaster insurance management device 200 to acquire the contract information, the payment request information, and the disaster information of the insured person, The insurance money payout status management screen shown in FIG. 5 is displayed on the display device 305 as a damage status confirmation screen for the person in charge of the insurance company to confirm the damage status.

  As shown in FIG. 5, the insurance payout status management screen displays personal contact information, contract insurance plan information, compensation object information, and various information extracted from disaster information included in the contract information, A payout amount (application payout insurance money) applied by the victim included in the payout request information is displayed. Further, the compensation object image 5a included in the contract information and the post-disaster image 5b included in the payout request information are displayed side by side, and the shooting position recorded in the header portion of each image data is associated with each image. The address indicating the shooting location specified based on the information and each information of the shooting date and time are displayed. Further, “insured person” is displayed as information of the photographer to indicate that these images have been taken by the insured person.

  Further, as a result of comparing the shooting location of the compensation object image 5a with the shooting location of the post-disaster image 5b, information indicating that the shooting locations of both images match the shooting location of the post-disaster image 5b. (Match) ”is added. It should be noted that the processing for confirming whether the shooting location of the compensation object image 5a matches the shooting location of the post-disaster image 5b is executed by the control device 202 of the disaster insurance management device 200 on the insurance payout status management screen. It may be displayed, or may be executed by the control device 303 of the insurance company terminal 300 and displayed on the insurance money payout status management screen.

  When the person in charge of the insurance company confirms various information displayed on the insurance payout status management screen and approves the application for payout from the insured, operate the mouse and click the approval button 5c. To do. For example, the person in charge of the insurance company confirms that there is no mistake in the contract information displayed on the insurance payout status management screen, and compares the compensation object image 5a with the post-disaster image 5b. Check if the amount of the payment applied by the victim is the amount corresponding to the damage status of the compensation object, and whether the shooting location of the compensation target image 5a matches the shooting location of the post-disaster image 5b It is possible to determine whether or not to approve the payment application from the insured.

  When the control device 303 detects that the approval button 5c is pressed by the operator, the control device 303 transmits information indicating that the payout application has been approved to the disaster insurance management device 200. In the disaster insurance management device 200, the control device 202 identifies the insurance premium receiving account of the insured person based on the contract information approved for the payment application, and transfers the approved amount of insurance money to the identified account. By performing the payout process, the insurance money is paid out to the insured who is the disaster victim.

  When paying the insurance money to the insured person, the control device 202 records the payout completion information including information on the date and time of paying out the insurance money and the payout amount in association with the contract information of the corresponding insured person. . In addition, the control device 202 transmits a payout completion notification for notifying that the payout is completed to the insured terminal 100. In this way, the insured can grasp that the insurance money has been transferred in response to the application for paying out the insurance money he / she has made.

  FIG. 6 is a flowchart showing a flow of processing executed by the insured terminal 100 according to the first embodiment. The process shown in FIG. 6 is executed by the control device 105 as a program that starts when receiving notification information for notifying that a disaster has occurred from the disaster insurance management device 200.

  In step S <b> 10, the control device 105 displays the received notification information on the touch panel 101. Then, it progresses to step S20.

  In step S <b> 20, the control device 105 determines whether or not a payout completion notification has been received from the disaster insurance management device 200 to notify that the insurance money has been paid out. If a negative determination is made in step S20, the process proceeds to step S40 described later. On the other hand, if a positive determination is made in step S20, the process proceeds to step S30.

  In step S <b> 30, the control device 105 displays the received payout completion notification on the touch panel 101. Thereafter, the process ends.

  In step S40, the control device 105 determines whether or not the above-described payout request has been received from the insured. If a negative determination is made in step S40, the process ends. On the other hand, if a positive determination is made in step S40, the process proceeds to step S50.

  In step S <b> 50, the control device 105 transmits payout request information including the payout application amount and post-disaster image data to the disaster insurance management device 200. Thereafter, the process proceeds to step S60.

  In step S60, the control device 105 determines whether or not a payout completion notification for notifying that the insurance money has been paid out has been received from the disaster insurance management device 200. If a positive determination is made in step S60, the process proceeds to step S70.

  In step S <b> 70, the control device 105 displays the received payout completion notification on the touch panel 101. Thereafter, the process ends.

  FIG. 7 is a flowchart showing the flow of processing executed by the disaster insurance management apparatus 200 according to the first embodiment. The process shown in FIG. 7 is executed by the control device 202 as a program that starts when the disaster insurance management device 200 instructs the start of the program. The program start in the disaster insurance management apparatus 200 may be manually instructed by the administrator of the disaster insurance management apparatus 200 or automatically when the disaster insurance management apparatus 200 is turned on. It may be. In FIG. 7, it is assumed that the above-described contract information and information relating to the insurance payout conditions are recorded in the storage medium 203 in advance.

  In step S110, the control device 202 determines whether disaster information has been received from an external disaster information transmission system via a communication line. If a negative determination is made in step S110, the process proceeds to step S250 described later. On the other hand, if a positive determination is made in step S110, the process proceeds to step S120.

  In step S120, the control device 202 transmits notification information for notifying the insured terminal 100 and the insurance company terminal 300 that a disaster has occurred. Thereafter, the process proceeds to step S130.

  In step S <b> 130, the control device 202 executes the above-described payout condition matching search process, and whether or not the contract information recorded in the storage medium 203 includes contract information to be automatically paid out. Determine whether. Thereafter, the process proceeds to step S140.

  In step S140, the control device 202 determines whether or not there is contract information to be automatically paid out as a result of the payout condition matching search process in step S130. If a negative determination is made in step S140, the process proceeds to step S180 described later. On the other hand, if a positive determination is made in step S140, the process proceeds to step S150.

  In step S150, as described above, the control device 202 identifies the insured person's premium receiving account based on the contract information extracted as an automatic payout target of the insurance money, and a predetermined amount of insurance is addressed to the identified account. The money is paid out. Thereafter, the process proceeds to step S160.

  In step S160, as described above, the control device 202 records the payout completion information including information on the payout date and time and the payout amount in association with the contract information of the corresponding insured person. Thereafter, the process proceeds to step S170.

  In step S <b> 170, the control device 202 transmits a payout completion notification for notifying the payee terminal 100 to the payee terminal 100. Thereafter, the process proceeds to step S180.

  In step S180, the control device 202 determines whether or not the above-described payout request information has been received from the insured terminal 100. If a negative determination is made in step S180, the process proceeds to step S250 described later. On the other hand, if a positive determination is made in step S180, the process proceeds to step S190.

  In step S190, the control device 202 records the received payout request information in association with the contract information of the corresponding insured person. Then, it progresses to step S200.

  In step S200, the control device 202 notifies the insurance company terminal 300 that there has been a request for paying out insurance money from the insured. Thereafter, the process proceeds to step S210.

  In step S <b> 210, the control device 202 determines whether information indicating that the payout application has been approved is received from the insurance company terminal 300. If a negative determination is made in step S210, the process proceeds to step S250 described later. On the other hand, if a positive determination is made in step S210, the process proceeds to step S220.

  In step S220, as described above, the control device 202 identifies the insured person's premium receiving account based on the contract information extracted as an automatic payout target of the insurance money, and a predetermined amount of insurance is addressed to the identified account. The money is paid out. Thereafter, the process proceeds to step S230.

  In step S230, as described above, the control device 202 records the payout completion information including information on the payout date and time and the payout amount in association with the contract information of the corresponding insured person. Thereafter, the process proceeds to step S240.

  In step S240, the control device 202 transmits a payout completion notification for notifying that the payout is completed to the insured terminal 100. Thereafter, the process proceeds to step S250.

  In step S250, control device 202 determines whether or not an instruction to end the program being executed is given. If a negative determination is made in step S250, the process returns to step S110. On the other hand, when an affirmative determination is made in step S250, the process ends.

  FIG. 8 is a flowchart showing a flow of processing executed by the insurance company terminal 300 in the first embodiment. As described above, the process illustrated in FIG. 8 is executed by the control device 303 as a program that starts when receiving notification information for notifying that a disaster has occurred from the disaster insurance management device 200. In FIG. 8, it is assumed that the information related to the insurance payout conditions described above is transmitted to the disaster insurance management apparatus 200 in advance and the registration is completed.

  In step S <b> 310, the control device 303 displays the notification information received from the disaster insurance management device 200 on the display device 305. Thereafter, the process proceeds to step S320.

  In step S320, the control device 303 determines whether or not an instruction for confirming the insurance payout result has been received from the operator. If a negative determination is made in step S320, the process proceeds to step S340 described later. On the other hand, if a positive determination is made in step S320, the process proceeds to step S330.

  In step S330, the control device 303 accesses the disaster insurance management device 200, obtains contract information and payout completion information for each contract, and displays them on the display device 305. Thereafter, the process proceeds to step S340.

  In step S340, the control device 303 determines whether or not a notification indicating that there has been a request for paying out insurance money from the disaster insurance management device 200 is received. If a negative determination is made in step S340, the process ends. On the other hand, if a positive determination is made in step S340, the process proceeds to step S350.

  In step S350, the control device 303 determines whether or not an instruction to confirm the request content from the insured has been received from the operator. If a positive determination is made in step S350, the process proceeds to step S360.

  In step S360, the control device 303 displays the insurance money payout status management screen shown in FIG. Thereafter, the process proceeds to step S370.

  In step S370, the control device 303 determines whether or not a payout application from the insured person has been approved by pressing the approval button 5c on the insurance money payout status management screen. If a positive determination is made in step S370, the process proceeds to step S380.

  In step S380, the control device 303 transmits information indicating that the payout application has been approved to the disaster insurance management device 200. Thereafter, the process ends.

According to the first embodiment described above, the following operational effects can be obtained.
(1) In the disaster insurance management device 200, the contract information indicating the contents of the disaster insurance contract for each insured is recorded in the storage medium 203, and the control device 202 receives the disaster insurance compensation object from the insurance company terminal 300. When receiving disaster information indicating that a disaster has occurred from an external device connected via a communication line, the contents and storage medium of the disaster that occurred The contract information recorded in 203 is compared with the insurance payout conditions, and the insured person whose contract information is recorded in the storage medium 202 indicates that the damage status of the compensation object is the insurance payout conditions. The insured person who matches is extracted as the person to be paid out, and a predetermined amount of the insurance money is specified by the insured person extracted as the person to be paid out. And insurance payout processing to transfer money to the premium receipt account that was to be executed. As a result, when a disaster occurs, it is possible to quickly identify the insured person to be paid out and pay out the insurance money.

(2) When the control device 202 receives an input of damage status information indicating the damage status from a payout-target insured person who has not been extracted as the insurance payout target person, and receives a claim payment request, Notification to insurance company staff was made. As a result, the insured who is not subject to the automatic payment of the insurance money can request the insurance company to pay out the insurance money. In addition, the person in charge of the insurance company can grasp that there has been a request for paying out insurance money from the insured.

(3) The contract information includes the compensation object image obtained by photographing the compensation object before the disaster occurs and the position information of the compensation object. The person in charge of the insurance company by displaying a damage status confirmation screen on the display device 305 in which the compensation object image, the position information of the compensation object, and the compensation object image after the disaster and the position information of the compensation object are displayed side by side. To be presented to. Thereby, the person in charge of the insurance company can confirm the damage status of the compensation object based on the images of the compensation object before and after the disaster. Further, based on the position information of the compensation object, it can be confirmed that the images of the compensation object before and after the occurrence of the disaster are images of the same compensation object.

(4) The damage status information includes information indicating the degree of damage to the compensation subject, and approval from the insurance company representative for the payment of insurance money for the insured subject to payment on the damage status confirmation screen was accepted. In some cases, the insurance payout process for transferring the amount of insurance money in accordance with the degree of damage to the account of the insured specified in advance is executed. Thereby, in response to a withdrawal request from the insured person, an insurance money of an amount corresponding to the degree of damage of the compensation object can be paid out.

-Second embodiment-
In the first embodiment described above, the accident insurance contract is completed between the insured and the insurance company, and the contract information is recorded in the storage medium 203 of the disaster insurance management apparatus 200. did. In the second embodiment, an insurance plan suitable for a compensation object is proposed based on a request from an insured person, and contract information is recorded in the storage medium 203 based on the information of the proposed insurance plan. The method will be described. In the following description, a person who wants to join the disaster insurance, that is, a person before joining the insurance is called a person who wants to join and is distinguished from the insured who has completed the contract. In the second embodiment, FIGS. 1 to 4 described above in the first embodiment are the same as those in the first embodiment, and a description thereof will be omitted.

  An operator of the insurance company terminal 300, for example, a person in charge of the insurance company, operates the insurance company terminal 300 to input information related to the disaster insurance plan in advance and register it in the disaster insurance management apparatus 200. The information on the disaster insurance plan includes, for example, information such as the name of the disaster insurance plan, the name of the insurance company that provides the insurance plan, the premium, the compensation period, the compensation content (payment conditions), the compensation object, and the compensation conditions.

  The control device 303 transmits information related to the disaster insurance plan input by the operator to the disaster insurance management device 200. In the disaster insurance management device 200, when receiving information related to the disaster insurance plan from the insurance company terminal 300, the control device 202 records the received information in the storage medium 203.

  When the operator of the insured terminal 100, that is, the applicant for subscription, operates the touch panel 101 to instruct the start of the process for receiving the insurance plan proposal, on the subscription applicant information input screen displayed on the touch panel 101. The applicant information including various information related to the applicant is input. The applicant information includes contact information of the applicant and basic information. The contact information includes information such as name, address, e-mail address, and telephone number. Basic information includes information on gender, date of birth, address (prefecture and city only), and insurance premium receipt account.

  The control device 105 transmits the subscription applicant information input by the subscription applicant to the disaster insurance management device 200. In the disaster insurance management device 200, when receiving the applicant information from the insured terminal 100, the control device 202 records the received information in the storage medium 203.

  The control device 105 prompts the operator to input compensation object information regarding the compensation object. In the present embodiment, the control device 105 is provided with a navigation function that individually guides the input of each information so that the subscribers can sequentially input each information included in the compensation object information. For example, assuming that the object to be compensated is a building in disaster insurance or earthquake insurance, the control device 105 has the address of the object to be compensated, the type of the object to be compensated (detached house, condominium), the building structure (reinforced concrete structure, steel reinforced concrete). Structure, steel structure, wooden structure), asset value (age, aging deterioration, antique scarce value, damage from past disasters, etc.), total amount of household goods, building market value, area (total floor area of the building The input of each information such as (floor area) is prompted in order, and the input of each information from the applicant for subscription is accepted. Further, the control device 105 urges the applicant who wants to subscribe to take a photograph of the compensation object, obtains a compensation object image with the compensation object as a subject via the camera 103, and adds it to the header portion of the compensation object image data. The shooting date / time and the position information acquired from the GPS module 104 are added.

  The control device 105 transmits to the disaster insurance management device 200 compensation object information including each piece of information input by the applicant and a captured compensation object image. In the disaster insurance management device 200, when receiving the compensation object information from the insured terminal 100, the control device 202 records the received information in the storage medium 203 in association with the above-mentioned applicant information.

  After registering the compensation object information in the disaster insurance management apparatus 200, the applicant for subscription can operate the insured terminal 100 and request an insurance plan proposal. For example, the control device 105 displays a screen for accepting an insurance plan proposal request on the touch panel 101, and the applicant for subscription requests an insurance plan proposal by touching a button displayed on the screen. It can be carried out. When receiving a request for insurance plan proposal from the operator, the control device 105 transmits data for instructing the insurance plan proposal to the disaster insurance management device 200.

  In the control device 200, when the control device 202 receives an insurance plan proposal request from the insured terminal 100, the control device 202 executes an assessment process necessary for selecting an insurance plan. In the present embodiment, the compensation object is assessed based on the risk and asset value at the time of disaster. Also, the accuracy of the compensation object image is confirmed.

  In the risk assessment, the control device 202 determines the location, structure, distance from the river, distance from the coast, distance from the river, grade of the river, assumed flood inundation area map and flood hazard map (national land). Assessment based on pre-set algorithms based on the risk level, earthquake occurrence frequency, etc. based on information published by the Ministry of Transport and private research companies). Further, in the assessment in terms of asset value, the control device 202 performs an assessment using a preset algorithm based on the age of the compensation object, aging deterioration, antique scarce value, past disaster damage, etc. Do. Further, in confirming the accuracy of the compensation object image, the control device 202 confirms position information, pixels, luminance, and the like of the compensation object image to confirm whether the compensation object image is suspicious. The algorithm used in the assessment process is preferably an algorithm that reproduces the assessment method and assessment contents in order to automatically perform assessment when an insurance company proposes an insurance plan.

  When the accuracy of the compensation object image can be confirmed, the control device 202 refers to the information on the disaster insurance plan recorded in the storage medium 203, and the type of the compensation object input by the applicant. Is the same as the compensation object included in the information related to the disaster insurance plan, and the insurance plan satisfying the compensation condition included in the information related to the disaster insurance plan is extracted as the proposed insurance plan based on the risk assessment result and the asset value assessment result. Then, the extracted information of the proposed insurance plan is transmitted to the insured terminal 100.

  In the insured terminal 100, the control device 105 displays information on the proposed insurance plan received from the disaster insurance management device 200 on the touch panel 101. Thereby, the applicant can confirm the information of the proposed insurance plan proposed from the disaster insurance management apparatus 200.

  The applicant can select an insurance plan for which a contract is desired from among the proposed insurance plans. When the insurance plan is selected by the applicant who wants to join, the control device 105 transmits to the disaster insurance management device 200 the desired insurance plan information for identifying the selected insurance plan.

  In the disaster insurance management device 200, when receiving the desired insurance plan information from the insured terminal 100, the control device 202 stores the received desired insurance plan information in association with the corresponding desired applicant information. 203.

  The control device 303 of the insurance company terminal 300 accesses the disaster insurance management device 200 when the operator is instructed to browse the applicant information and the insurance plan information for each applicant who wants to join, and requests to join the disaster insurance management device 200. Subscriber information for each person and desired insurance plan information are acquired and displayed on the display device 305. As a result, the person in charge of the insurance company can operate the insurance company terminal 300 to confirm the applicant information and the insurance plan information desired for each applicant.

  The person in charge of the insurance company communicates with the applicant for enrollment and performs a disaster insurance contract procedure with the applicant for enrollment through a normal insurance contract process. When the contract with the applicant is completed, the person in charge of the insurance company operates the insurance company terminal 300 and inputs contract completion information indicating that the contract with the applicant is completed. The contract completion information includes contract date information. When the contract completion information indicating that the contract of the applicant is completed is input, the control device 303 transmits the contract completion information to the disaster insurance management apparatus 200.

  In the disaster insurance management device 200, when the control device 202 receives the contract completion information indicating that the contract of the applicant is completed from the insurance company terminal 300, the corresponding applicant information recorded in the storage medium 203 is received. Is the insured person's personal contact information and the insured person's basic information described in the first embodiment, and the desired insurance plan information that has been concluded is used in the contract insurance plan described in the first embodiment. As information, information including compensation object information input by the applicant for subscription is recorded in the storage medium 203 as the contract information described in the first embodiment.

  FIG. 9 is a flowchart showing a flow of processing executed by the insured terminal 100 according to the second embodiment. The process shown in FIG. 9 is executed by the control device 105 as a program that is activated when an applicant for enrollment is instructed to start a process for receiving an insurance plan proposal.

  In step S410, the control device 105 determines whether or not the above-described subscription applicant information has been input by the subscription applicant. If a negative determination is made in step S410, the process proceeds to step S460 described later. On the other hand, if a positive determination is made in step S410, the process proceeds to step S420.

  In step S <b> 420, the control device 105 transmits the entered applicant information to the disaster insurance management device 200. Thereafter, the process proceeds to step S430.

  In step S430, as described above, the control device 105 inputs the information included in the compensation object information and the compensation object in order to prompt the operator to input compensation object information regarding the compensation object. Navigate image taking. Thereafter, the process proceeds to step S440.

  In step S440, control device 105 determines whether or not the input of compensation object information has been completed. If a positive determination is made in step S440, the process proceeds to step S450.

  In step S450, the control device 105 includes the captured compensation object image in the compensation object information input by the operator and transmits the compensation object image to the disaster insurance management apparatus 200. Thereafter, the process proceeds to step S460.

  In step S460, control device 105 determines whether or not an insurance plan proposal request instruction has been accepted by the applicant. If a negative determination is made in step S460, the process ends. On the other hand, if a positive determination is made in step S460, the process proceeds to step S470.

  In step S470, the control device 105 transmits data for instructing the disaster insurance management device 200 to propose an insurance plan. Thereafter, the process proceeds to step S480.

  In step S480, control device 105 determines whether or not the information on the proposed insurance plan has been received from disaster insurance management device 200. If a positive determination is made in step S480, the process proceeds to step S490.

  In step S <b> 490, the control device 105 displays the received information on the proposed insurance plan on the touch panel 101. Thereafter, the process proceeds to step S500.

  In step S500, the control device 105 determines whether any insurance plan has been selected by the applicant. If a positive determination is made in step S490, the process proceeds to step S510.

  In step S <b> 510, the control device 105 transmits to the disaster insurance management device 200 the desired insurance plan information for identifying the selected insurance plan. Thereafter, the process ends.

  FIG. 10 is a flowchart showing the flow of processing executed by the disaster insurance management apparatus 200 according to the second embodiment. The process shown in FIG. 10 is executed by the control device 202 as a program to be started when the disaster insurance management device 200 is instructed to start the program. The program start in the disaster insurance management apparatus 200 may be manually instructed by the administrator of the disaster insurance management apparatus 200 or automatically when the disaster insurance management apparatus 200 is turned on. It may be.

  In step S <b> 610, the control device 202 determines whether information related to the disaster insurance plan described above has been received from the insurance company terminal 300. If a negative determination is made in step S610, the process proceeds to step S630 described later. On the other hand, if a positive determination is made in step S610, the process proceeds to step S620.

  In step S620, the control device 202 records the information received from the insurance company terminal 300 in the storage medium 203. Thereafter, the process proceeds to step S630.

  In step S630, the control device 202 determines whether or not the above-mentioned participation applicant information has been received from the insured terminal 100. If a negative determination is made in step S630, the process proceeds to step S650 described later. On the other hand, if a positive determination is made in step S630, the process proceeds to step S640.

  In step S640, the control device 202 records the information received from the insured terminal 100 in the storage medium 203. Thereafter, the process proceeds to step S650.

  In step S650, the control device 202 determines whether or not the compensation object information described above has been received from the insured terminal 100. If a negative determination is made in step S650, the process proceeds to step S670 described later. On the other hand, if a positive determination is made in step S650, the process proceeds to step S660.

  In step S660, the control device 202 records the compensation object information received from the insured person terminal 100 in the storage medium 203 in association with the above-described applicant information. Thereafter, the process proceeds to step S670.

  In step S670, the control device 202 determines whether an insurance plan proposal request has been received from the insured terminal 100. If a negative determination is made in step S670, the process proceeds to step S740 described later. On the other hand, if a positive determination is made in step S670, the process proceeds to step S680.

  In step S680, as described above, the control device 202 executes an assessment process necessary for selecting an insurance plan. Thereafter, the process proceeds to step S690.

  In step S690, the control device 202 transmits information on the proposed insurance plan extracted based on the result of the assessment process to the insured terminal 100. Thereafter, the process proceeds to step S700.

  In step S <b> 700, the control device 202 determines whether or not the desired insurance plan information described above has been received from the insured terminal 100. If a positive determination is made in step S700, the process proceeds to step S710.

  In step S710, the control device 202 records the desired insurance plan information received from the insured terminal 100 in the storage medium 203 in association with the corresponding desired applicant information. Thereafter, the process proceeds to step S720.

  In step S720, the control device 202 determines whether or not the contract completion information described above has been received from the insurance company terminal 300. If a positive determination is made in step S720, the process proceeds to step S730.

  In step S730, the control device 202 records the contract information in the storage medium 203 as described above. Thereafter, the process proceeds to step S740.

  In step S740, control device 202 determines whether or not an instruction to end the program being executed is given. If a negative determination is made in step S740, the process returns to step S610. On the other hand, if an affirmative determination is made in step S740, the process ends.

  FIG. 11 is a flowchart showing a flow of processing executed by the insurance company terminal 300 in the second embodiment. The process shown in FIG. 11 is executed by the control device 303 as a program that starts when an operator instructs the start of the process.

  In step S810, the control device 303 determines whether information related to the disaster insurance plan described above has been input by the operator. If a negative determination is made in step S810, the process proceeds to step S830 described later. On the other hand, if a positive determination is made in step S810, the process proceeds to step S820.

  In step S820, the control device 303 transmits the information on the inputted disaster insurance plan to the disaster insurance management device 200. Thereafter, the process proceeds to step S830.

  In step S830, the control device 303 determines whether information indicating that the contract of the applicant for subscription has been completed is input by the operator. If a negative determination is made in step S830, the process ends. On the other hand, if a positive determination is made in step S830, the process proceeds to step S840.

  In step S840, the control device 303 transmits the contract completion information to the disaster insurance management device 200. Thereafter, the process ends.

According to the second embodiment described above, the following operational effects can be obtained.
(1) The control device 202 receives input of compensation object information related to the compensation object from the insured person, specifies an insurance plan suitable for the compensation object based on the compensation object information, and obtains information on the insurance plan. Presented to the insured. As a result, the insured can receive an insurance plan proposal suitable for the compensation object.

(2) The control device 105 individually guides the input of each information so that the insured can sequentially input each information included in the compensation object information. Thus, by navigating information input to the insured person, the insured person can input necessary information without hesitation following the guidance. In addition, it is possible to prevent omission of necessary information.

-Modification-
The disaster insurance management system of the above-described embodiment can be modified as follows.
(1) In the first embodiment described above, whether the person in charge of the insurance company approves a withdrawal application from the insured as a result of confirming various information displayed on the insurance withdrawal state management screen. An example of determining whether or not is described. At this time, if the person in charge of the insurance company needs additional information in order to approve the payment application from the insured, an explanation of the damage situation or additional images will be sent to the insured. You may be asked to submit. In this case, when the control device 303 of the insurance company terminal 300 receives a request for requesting additional information from the operator, the control device 303 transmits information indicating that the request for requesting additional information has been received to the disaster insurance management device 200. The control device 202 of the disaster insurance management device 200 transmits the information to the insured terminal 100. In the insured terminal 100, the control device 105 notifies the insured that the additional information is requested from the insurance company, and accepts the input of the additional information from the insured person and inputs the added additional information. Information is transmitted to the disaster insurance management apparatus 200. In the disaster insurance management device 200, the control device 202 records the received additional information in association with the contract information of the corresponding insured person, and transmits it to the insurance company terminal 300 to present it to the person in charge of the insurance company. . Thereby, the person in charge of the insurance company can determine whether to obtain additional information and approve a payment application from the insured.

(2) In the above-described second embodiment, the compensation object image is described as being taken by the insured. However, the compensation object image may be acquired from an external image providing service. If an external image providing service provides a link between the map data and the actually captured image data, the shooting position information can also be acquired from the map data. Can be used as Note that the date and time of the compensation target image may be used when the date and time of acquisition can be acquired from an external image providing service. On the other hand, when the shooting date / time cannot be acquired from the external image providing service, the date / time when the image data is acquired from the external image providing service may be recorded in the header portion instead of the shooting date / time.

  Note that the present invention is not limited to the configurations in the above-described embodiments as long as the characteristic functions of the present invention are not impaired. Moreover, it is good also as a structure which combined the above-mentioned embodiment and a some modification.

10 disaster insurance management system 100 insured terminal 101 touch panel 102 communication module 103 camera 104 GPS module 105 control device 200 disaster insurance management device 201 connection interface 202 control device 203 storage medium 300 insurance company terminal 301 operation member 302 connection interface 303 control device 304 Storage medium 305 Display device

Claims (5)

A storage medium that shows the contents of the disaster insurance contract for each insured and records the contract information including the compensation object image obtained by photographing the compensation object of the disaster insurance before the disaster occurred and the position information of the compensation object,
Disbursement condition input accepting means for accepting input of insurance disbursement conditions at the time of disaster occurrence for the compensation object;
Disaster information receiving means for receiving disaster information indicating that a disaster has occurred from an external device connected via a communication line;
When the disaster information is received by the disaster information receiving means, the contents of the disaster that occurred and the contract information recorded in the storage medium are compared with the insurance payout conditions, and the storage medium stores the insurance information. A payout target identifying means for extracting an insured person whose damage status of the compensation object matches the insurance payout condition from among the insured persons whose contract information is recorded;
A process for paying out insurance money for transferring a predetermined amount of insurance money to an insurance fee receiving account designated by the insured person extracted as the payout person by the payout person specifying means. Payout process execution means,
A post-disaster image obtained by photographing the compensation object after the occurrence of a disaster, and position information of the compensation object from an insured person who is not paid out by the payee identification means A withdrawal request acceptance means for accepting the input of the withdrawal request information and accepting the insurance withdrawal request;
A notification means for notifying a person in charge of an insurance company when the withdrawal request is accepted by the withdrawal request acceptance means;
To the person in charge of the insurance company, a damage status confirmation screen in which the image of the compensation object before the disaster and the position information of the compensation object and the post-disaster image after the disaster and the position information of the compensation object are displayed side by side. And a damage status confirmation screen presentation means to present ,
The damage status confirmation screen presenting means is identified based on the shooting location of the compensation object identified based on the position information of the compensation object before the occurrence of the disaster and the position information of the compensation object after the occurrence of the disaster. When the shooting location of the compensation object matches, information indicating that the shooting location of the compensation object image and the post-disaster image matches is displayed in the damage status confirmation screen. Disaster insurance management system. In the disaster insurance management system according to claim 1,
The payout request information includes information indicating the degree of damage to the compensation object,
If the insurance company's person in charge receives an approval for the payment of insurance money for the insured subject to payout on the damage status confirmation screen, an insurance money of an amount corresponding to the degree of damage status is A disaster insurance management system, further comprising: a second payout process executing means for executing an insurance payout process for transferring to a designated insured person's account. In the disaster insurance management system according to claim 2,
Additional information input request accepting means for accepting an input request for additional information for confirming the damage status of the compensation object from a person in charge of the insurance company to the payable insured person on the damage status confirmation screen When,
When the additional information input request accepting unit accepts the additional information input request, the additional information input accepting unit accepts the input of the additional information by prompting the payee insured to input the additional information. When,
A disaster insurance management system, further comprising: additional information presenting means for presenting the additional information received by the additional information input accepting means to a person in charge of the insurance company. In the disaster insurance management system according to any one of claims 1 to 3,
Compensation object information input receiving means for receiving input of compensation object information regarding the compensation object from a disaster insurance applicant;
Insurance plan specifying means for specifying an insurance plan suitable for the compensation object based on the compensation object information received by the compensation object information input receiving means;
A disaster insurance management system further comprising insurance plan presenting means for presenting information on the insurance plan identified by the insurance plan identifying means to the applicant. In the disaster insurance management system according to claim 4,
The compensation object information input receiving means further includes guidance means for individually guiding the input of each information so that the applicants can sequentially input each information included in the compensation object information. Features.

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