JP7022229B1 - Policyholder protection system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance contract protection system for protecting an insurance contract by supporting a user who is a policyholder online. SOLUTION: A user concludes a contract for protecting an insurance contract with an insurance management company. The server of the insurance management company and the user terminal are connected by a network and each have a video chat function, the server has a sheet for inputting the insurance contract information contracted by the user on the web page, and the user terminal inputs the contract information and the server. Send to. The server sorts it and produces a maturity list. Insurance management companies use video chat means and generated maturity lists to support users and protect their insurance policies. If the user is a natural person, we will support the maturity management of the insurance contract and if the user's awareness declines, we will act on behalf of the insurance claim procedure, and if the corporation is a user, we will perform insurance contract maturity information, advice information and risk management. Provide information. [Selection diagram] Fig. 1

Description

The present invention relates to an insurance policy protection system that supports policyholders online and protects insurance policies.

As of June 2020, according to the data of the Statistics Bureau of the Ministry of Internal Affairs and Communications, the population of Japan is about 125.86 million, of which 36.1 million are 65 years old or older, of which 29% are elderly. The number of people who develop dementia due to aging is increasing. According to the Tokyo Metropolitan Police Department, 17,479 people were reported missing to the police due to dementia in 2019, about 47 people a day.

As of the end of 2020, there are about 200 Japanese insurance companies (life insurance companies, non-life insurance companies, small-amount short-term insurance companies). Therefore, various insurance products are sold.

In recent years, the number of insurances that can be contracted online has increased. There is a paperless insurance contract that you can check the insurance policy and insurance policy on the web, but it is difficult to understand the actual situation of the contract. Also, in some cases, only the party who has the insurance policy is known.

Patent Document 1 describes an insurance policy management system and an insurance contract system that receive an electronic copy of an insurance policy from a policyholder and review or propose insurance based on the electronic copy.

In Patent Document 2, the comprehensive insurance information company acquires the contract contents from the terminal of the insurance company at the request from the terminal of the policyholder, manages a plurality of contracts collectively, and determines whether or not it corresponds to an insurance accident. Then, when the policyholder requests an insurance claim, there is a description of an insurance guidance device that acts as a claim agent for the insurer.

Japanese Unexamined Patent Publication No. 2017-182648 Japanese Unexamined Patent Publication No. 2002-74003

The insurance area has the following characteristics.
(1) Insurance is complicatedly related to many laws such as the following.
In addition to insurance law, civil law, commercial law, financial product sales law, consumer contract law, and tax law (inheritance tax, income tax, gift tax), for example, notification obligation, notification obligation, and damage prevention obligation depending on the type of insurance. A prudent attention obligation may be imposed. In addition, there are a surplus subrogation and a claim subrogation that the insurer substitutes after the payment.
(2) The insurance policy consists of a general insurance policy (contents of insurance routinely set by the insurer) and a contract clause (a policy that changes, supplements, or excludes the general insurance policy). It describes in detail from the definition of terms in the basic clause to the compensation (guarantee) clause and various special provisions.
(3) Life insurance and non-life insurance have different insurance benefits. For example, life insurance generally provides the contracted insurance amount, while non-life insurance provides the actual loss amount up to the contracted insurance amount. Therefore, the benefits of duplicate contracts differ between life insurance contracts and non-life insurance contracts. In addition, the target of insurance benefits is a person whose non-life insurance contract has an insured interest, whereas in the case of a life insurance contract that guarantees death, it is a beneficiary of insurance.
(4) Depending on the type of insurance, the contract type and insurance period may not be fixed. For example, there are contracts for oneself, contracts for others, contracts with multiple insured persons as joint insured persons, and long-term, short-term, fixed-term, and whole life insurance periods.
Therefore, as mentioned above, the insurance area includes many issues such as legal issues, insurance policies, and benefits that differ depending on the type of insurance.

Insurance contracts are gambling contracts, but the insurance domain has the inherent characteristics and complexity of insurance as described above. Therefore, there is a gap in insurance knowledge and information between insurance handlers and policyholders.

Furthermore, if the policyholder is an individual, the insurance contract is not claimed (for example, contracted) because it becomes difficult to manage the insurance contract when the awareness declines due to aging or the elderly people live alone. If you do not understand the insurance coverage you have, you may forget the insurance contract itself, you may have lost your insurance policy, you may have dementia, etc.) There is. However, until now, there has been no system for delegating all insurance contract claims before an individual develops dementia or becomes less recognized.

If the policyholder is a company, it depends on the business scale and risk management system, but if the company does not have a risk management department, the above-mentioned issues in the insurance area and insurance contracts as the business scale expands. It may not be possible to manage and discover risks and consider insurance products to hedge them. Generally, if there is no reason for cancellation or transfer of the contracted insurance, it is often renewed with the contents of the contract once. The insurance intermediary who mediates the conclusion of insurance contracts provides advice and risk consultant-like work individually for insurance contracts, but it is not a business that systematizes risk analysis and risk management.

Therefore, the present invention provides an insurance contract protection system that systematizes insurance contract management and supports policyholders online.

An insurance contract protection system in which an insurance management company supports an online insurance contract of a natural person or a corporation (hereinafter referred to as a user) who is a policyholder in order to solve the problem of the present invention. The server of the management company and the user terminal of the user are communicably connected via a network, the server and the user terminal have a video chat function, and the server protects the insurance contract of the user. The contract means, the posting means for posting the application form for which the user applies to the insurance management company in the contract means on the web page, and the input sheet in which the user inputs the contract information of the insurance contract into the input sheet. A video chat means that enables both the insurance management company and the user to interact and visually check documents by using the video chat function based on the input sheet transmitted by the user terminal via the network, and the input from the user terminal. A transmission / reception means for receiving a sheet and transmitting a notification message of a scheduled dialogue date between the insurance management company and the user using the video chat means to the user terminal via a network, and the input received from the user terminal. A screen display means for displaying a sheet on the screen, a storage means for storing and saving the input sheet displayed on the screen, and either a face image, a face image, or a fingerprint image of the user transmitted by the user terminal. The image file is stored in the storage means, and an authentication means for confirming whether or not the user is the user is provided. Further, the server is the input in which the contract information transmitted by the user terminal via the network is input. The sheets are sorted in order of maturity date to generate a maturity list of the insurance contract, and the maturity list is a maturity management material for preventing the continuation omission of the insurance contract.
The video chat means makes the input sheet and the maturity list visible so that the insurance management company can interact with the user to protect the insurance contract.

Further, the server according to the present invention posts the application form provided in the contract means on a web page, and the application form includes a selection field, a consent field, and an information input field for a backup contract and a support contract. The backup contract gives the insurance management company all claims regarding the insurance contract in the case where the user is a natural person and the user may develop dementia and cannot manage the insurance contract. In the delegation contract to be delegated, the support contract is when the user is a corporation and the user is a natural person. In the information input field of the application form, the name, date of birth, gender, address, etc. A plurality of fields such as contact information are provided, and when the user is a corporation, the information input field of the application form is provided with a plurality of fields such as a company name, a person in charge, an address, and a telephone number. When the user is a natural person, the user terminal accesses the web page of the server via the network and displays the application form of the contract means posted on the screen, and the user terminal is the user. Select the backup contract after confirming the information input field of the application form displayed on the screen, and further check the consent field of the consent confirmation to act for the claim procedure related to the insurance contract . The application in which the user's name, date of birth, gender, address, contact information, and the user's legal heir's name, address, and contact information are entered in the information input field provided in the application form. The server that sends the form and receives the application for the backup contract registers the user account and sends the login information to the user terminal via the network, and the user terminal that receives the login information is sent via the network. Access the web page of the server, display the posted login screen, and display the posted login screen.
The user inputs the login information on the displayed login screen, the server authenticates the login information, posts a personal sheet, which is the input sheet dedicated to the user, on a web page, and the user terminal. Is to send the personal sheet to the server via the network with the user inputting or attaching the contract information based on the insurance contracted by the user in the input and attachment fields of the personal sheet displayed on the screen. The server that saves and receives the personal sheet sorts the personal sheets in order of maturity date to generate a maturity list A and stores it, and the server stores the personal sheet for at least one month with the maturity date of the insurance contract. Before, the maturity list A and the notification text of the scheduled dialogue date are transmitted to the user terminal via the network.
The user terminal that has received the maturity list A stores the maturity list A, the scheduled dialogue date is at least twice a year, and the server uses the video chat means on the dialogue day to use the insurance management company. The insurance management company can explain the insurance contract, check the current status of the user, and transfer to the insurance contract, or cancel the insurance contract, by using the video chat means. It is possible to confirm the presence or absence of an insurance accident, and the server enables the explanation of the maturity list A and the question and answer session from the user using images.

The personal authentication means of the present invention is for identifying whether or not the user who has concluded the backup contract with the insurance management company is the policyholder when he / she dies lonely or goes missing due to dementia. When the user desires the personal authentication means, the user terminal transmits the image file of either the face image or the face image and the fingerprint image of the user to the server via the network, and the user terminal causes the server. The server associates the image file of any of the user's face image or face image and fingerprint image received from the user terminal with the maturity list A and the backup contract information in the storage means. By saving, it is easy to find the insurance contract of the user when the user dies.

According to the present invention, when the user is a corporation, the user terminal accesses the web page of the server via the network and displays the application form of the contract means on the screen, and the user terminal is the user terminal. After confirming the information input field of the application form displayed on the screen by the user, the support contract is selected and the application in which the user's information is input in the information input field provided in the application form. The server that sent the form and received the support contract application registered the user account and sent the login information to the user terminal via the network, and the user terminal that received the login information via the network. The user accesses the web page of the server to display the posted login screen, the user inputs the login information on the displayed login screen, and the server authenticates the login information and displays the above on the web page. The corporate sheet, which is the input sheet exclusively for the user, is posted, and the corporate sheet is an insurance consisting of a personal insurance sheet, a physical insurance sheet, an automobile insurance sheet, a compensation insurance sheet, an expense profit insurance sheet, and other insurance sheets. It is composed of a sheet for each type and an accident management sheet for inputting accident information of insurance accidents in the insurance contract, and the sheet for each insurance type has a plurality of input and attachment fields for inputting or attaching the contract information. The accident management sheet is provided with a plurality of input fields for inputting at least the date and time, place, accident situation, and insurance money paid for inputting the accident information, and an image attached with an image file related to the insurance accident. A column is provided, and the insurance type sheet can prevent continuation omissions, contract omissions, duplicate contracts, and confirmation of insurance amount and ownership in the insurance contract, and the accident management sheet can be used for accidents in the insurance contract. Can be verified based on data,
The insurance management company supports the user by using the insurance type sheet and the accident management sheet in the support contract.

The user terminal according to the present invention saves the accident management sheet from the corporate sheet posted on the web page of the server via network, and further displays and displays the insurance type-specific sheet on the screen . The server that received the insurance type sheet by storing the insurance type sheet with the contract information input or attached by the user in the input and attachment fields of the insurance type sheet and transmitting it to the server. Generates a maturity list B in which the insurance type sheets are sorted in order of maturity date as one database, stores the generated maturity list B in the storage means, and sends the generated maturity list B to the user terminal via a network to obtain the maturity list B. The user terminal that has received the list B saves it, the server sends a notification message of the scheduled dialogue date to the user terminal via the network, and the scheduled dialogue date is at least twice a year. The server enables both the insurance management company and the user to have a dialogue and view documents by using the video chat means on the dialogue day, and the insurance management company uses the video chat means to the user. Explain the maturity list B, advice information, and risk management information, respectively, and enable questions and answers from the user using images.

The advice information of the present invention varies depending on the business scale, industry, insurance contract type, premium paid, etc. of the user, but generally caution is required in the insurance contract.
(A) Regarding the obligations of policyholders
(B) About insurance subrogation
(C) Regarding the maturity list B provided by the insurance management company
(D) Regarding the use of the insurance type-specific sheet provided by the insurance management company
(E) Regarding the use of the product insurance sheet provided by the insurance management company
(F) Regarding the use of the accident management sheet provided by the insurance management company
The server enables the insurance management company and the user to both talk and view documents by using the video chat means, and the insurance management company talks and images by the video chat means. It is the advice information to the user by using,
The above (A) is the duty of notification, the duty of notification, the duty of damage prevention, the duty of due care of a prudent manager,
In (B) above, the insurer substitutes for the insurer after the insurer pays the insurance money.
The above (C) is a maturity management document that prevents continuous leakage.
In (D) above, prevention of duplicate contracts, contract omissions and confirmation of insurance amount,
The above (E) is a document for confirming the condition before and after the accident by attaching an image file that serves as evidence in the event of damage to the property.
The above (F) can explain each of the materials to be verified based on the accident data, and further, the question and answer from the user can be done.

Further, the insurance management company according to the present invention includes a risk classification table in a company for discovering the exposure of the user in the insurance contract, and the risk classification table sets risk factors given to the target of risk as the target of risk. The risk management information is classified according to the attributes, and the risk management information differs depending on the business scale, industry, insurance contract type, premium paid, etc. of the user, but the risk classification table and the user terminal are on the server. Use the transmitted insurance type sheet to discover potential risks that are not covered by the insurance content of the insurance contract, and use the insurance type sheet and the accident management sheet to evaluate the risk of the insurance contract (company). This is confirmation information for confirming the validity of the insurance amount due to the magnitude of the economic loss given to the insurance, and the server is a dialogue between the insurance management company and the user using the video chat means and visual inspection of documents. The insurance management company can explain the risk management information to the user using conversation and images by the video chat means, and can also ask and answer questions from the user.

According to the present invention, an individual policyholder can obtain a sense of security that unclaimed insurance can be canceled. In addition, if the policyholder is a company, risk management and insurance contract management of the company are possible, and there is a possibility that an economic effect can be obtained.

It is a schematic block diagram which shows the whole structure in embodiment of this invention. It is a flowchart when the user in the embodiment of this invention is a natural person. It is a flowchart when the user in the embodiment of this invention is a corporation. It is a reference figure which shows each of (a) person insurance sheet, (b) material insurance sheet, and (c) automobile insurance sheet of the insurance type-specific sheet in the embodiment of the present invention. It is a reference figure which shows each of (a) liability insurance sheet, (b) cost profit insurance sheet, (c) other insurance sheet of the insurance type sheet in the embodiment of this invention. It is a reference figure which shows the input example in (a) maturity list A, (b) accident management sheet of the corporation in the embodiment of this invention, respectively. It is a reference figure which shows the input example in (a) personal sheet and (b) maturity list B when the user in embodiment of this invention is a natural person. It is a reference figure which shows an example of the risk classification table in embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a schematic configuration diagram showing a configuration of an insurance contract protection system according to an embodiment. The user terminal 1 of the user and the server 2 of the insurance management company are connected by a network 10 (the network indicates the Internet), and an application that can be used by the video chat means 6 can be downloaded and used. The application to be installed is decided by the user and the insurance management company through discussions such as Zoom and Skype. The user terminal 1 may be connected to the Internet with a personal computer, a tablet terminal, a smartphone, or the like, but a user terminal 1 having a large screen size is preferable.

FIG. 2 is a diagram showing a flow when the user is a natural person. As shown in S21, the user terminal 1 accesses the server 2 via the network 10 and selects the backup contract BK and the support contract SK posted on the web page. If you select the backup contract BK from the column and the user develops dementia and cannot manage the insurance contract or there is a possibility of it,
After checking the consent and confirmation that the insurance management company will take over the contracted insurance claim procedure (when any of the reasons for transfer, cancellation, or insurance accident occurs) in the consent column on the screen, the user's name, Enter the contact information such as date of birth, gender, address, phone number, smartphone number, email address, and the legal heir's address, phone number, smartphone number, email address, etc. in the information input field of the application form. Then click the application icon on the screen to send. The user informs the legal heir about the backup contract BK.

The server 2 that has received the backup contract BK application from the user terminal 1 registers the user account and sends the login information (user ID and password) to the user terminal 1. As shown in S22 of FIG. 2, the user terminal 1 accesses the server 2 via the network 10, inputs login information (user ID and password) in the input field of the login screen posted on the web page, and is displayed. Click the login icon. When the user terminal 1 logs in to the server 2, the user terminal 1 can input the insurance contract information into the user-specific personal sheet 21 of FIG. 4A displayed on the screen. The insurance management company informs the user of the method before inputting to the personal sheet 21.

The user terminal 1 has the insurance type, maturity date, securities number, insurance target or purpose, (vehicle, registration number) or subject, which are the contract information, in the input and attached fields of the personal sheet 21 shown in FIG. 4 (a). An insurer's name or beneficiary, insurance amount, insurance premium, insurance company, special contract, and image file as evidence are input or attached and transmitted to the server 2 via the network 10 and saved. The images that serve as evidence are for physical insurance (fire insurance (buildings, etc.), comprehensive property insurance (arts, etc.) vehicles, yachts, motor boats, etc., as well as images that prove rights such as registration). There is.

If the user has any questions about the input of the personal sheet 21 of FIG. 4A, the insurance management company will explain using the video chat means 6 during the business hours of the insurance management company. The insurance management company explains the special contract and evidence to the user, and if the special contract is unclear, check with the insurance management company. If the user cannot take an image that serves as evidence, the insurance management company will take it at the request of the user.

The server 2 generates and stores a maturity list A22 in which the personal sheet 21 received from the user terminal 1 is sorted in order of maturity date as shown in S23 of FIG. 2, and also transmits the personal sheet 21 to the user terminal 1 via the network 10. The personal sheet 21 is created in Excel.

As shown in S24 of FIG. 2, the server 2 transmits to the user terminal 1 via the network 10 at least one month before the maturity date of the insurance contract based on the maturity list A22 to notify the user.

The user who has received the notification of the maturity date of the insurance contract notifies the insurance management company whether or not the contract has been continued from the user terminal 1 to the server 2 via the network 10.

As shown in S24 of FIG. 2, the insurance management company notifies the user terminal 1 of the date and time of the scheduled dialogue date from the server 2 via the network 10 in order to interact with the user.
In addition, multiple scheduled dialogue dates are described in the notification text so that they can be selected.

The server 2 accesses the user terminal 1 via the network 10 on the dialogue day, and enables the insurance management company and the user to both interact and visually check the documents by using the video chat means 6 as shown in S25 of FIG. The insurance management company will explain the insurance contracted by the user on the scheduled date of the first dialogue and general notes on the insurance contract. For example, is the insurance content not duplicated depending on the response when a transfer reason or cancellation reason occurs in the contract content, an insurance accident, or the type of insurance contracted, or is the reason for insurance automatically attached? In addition, in the case of fire insurance, we will explain the confirmation of the destination location and whether there is a joint insured person, and as evidence, the preservation of images of properties such as buildings while confirming the contents of the insurance contract.

Then, the insurance management company is supposed to ask and answer questions about the insurance contracted by the user and confirm the current situation of the user on the second and subsequent dialogue days. Insurance management companies regularly send e-mails when they feel a change in recognition from dialogues with users or images.
Furthermore, if he / she notices that his / her memory is weakened, he / she is contacted by the legal heir to deal with it.

The user informs the insurance management company of the life insurance, accident insurance, etc. for which the beneficiary is designated as a person other than the user.

(About personal authentication means)
This is to verify the identity of the user when he or she dies lonely or develops dementia and goes missing. It is configured to transmit the user's face photo and the user's fingerprint as a personal authentication file from the user terminal 1 to the server 2 of the insurance management company. An image file of a driver's license, Individual Number Card, or passport may be used.

FIG. 3 is a diagram showing a flow when the user is a corporation. As shown in S31, the user terminal 1 accesses the server 2 via the network 10 and is supported by the backup contract BK and the support contract SK posted on the web page. Select the contract SK, enter the user name, address, and contact information (person in charge, phone number, email address) in the application form, and click the application icon on the screen to send. If the person in charge is absent, it is preferable to decide on a substitute person.

The server 2 that has received the support contract SK application from the user terminal 1 registers the user account and sends the login information (user ID and password) to the user terminal 1. As shown in S32 of FIG. 3, the user terminal 1 accesses the server 2 via the network 10 and is displayed by inputting login information (user ID and password) in the input field of the login screen posted on the web page. Click the login icon. When the user terminal 1 logs in to the server 2, the user terminal 1 is displayed on the screen and is a user-specific sheet for each type of insurance, such as a person insurance sheet 30, a physical insurance sheet 31, and an automobile insurance sheet 32. , The insurance contract information is input to each of the liability insurance sheet 33, the expense profit insurance sheet 34, and the other insurance sheets 35.

The user terminal 1 has the insurance maturity date, securities number, insurance target or purpose (location), insured person, insurance beneficiary, insurance amount, insurance premium, insurance company, etc. When contract information such as a special contract or an image that becomes evidence is input and transmitted to the server 2 via the network 10, it is saved together. The insurance management company informs the user in advance about the input method.

FIG. 5 (a) person insurance sheet, (b) physical insurance sheet, (c) automobile insurance sheet, FIG. 6 (a) liability insurance sheet, (b) cost profit insurance sheet, (c) other insurance sheet, FIG. 7 (a) maturity list B (b) accident management sheet, FIG. 4 (a) personal sheet, and (b) maturity list A are all created in Excel.

Further, when the contract form of the user is a comprehensive contract, a free contract, a contract with a statement, etc., the user consults with an insurance management company and transmits an image file whose contents can be understood from the user terminal 1 to the server 2. In that case, the insurance management company will confirm with the user at a later date and sort based on the insurance type sheet.

Information on the insurance newly contracted by the user is transmitted from the user terminal 1 to the server 2 of the insurance management company via the network 10 each time. Also, if a special contract is added to the remarks column, it is entered. Furthermore, in the case of physical insurance, an image file of the product covered by the insurance is attached.

The physical insurance sheet 31 is attached with an image file that serves as evidence when damage to the property covered by the insurance occurs, and can be explained to the damage assessment in the state confirmation material before and after the accident. In addition, the insurance management company advises materials (image files such as other rights and receipts of images of property) for which it is preferable to have evidence, and if the user wishes to take a picture or aerial photography, the insurance management company should do it. Can be done.

Of the corporate sheets, the accident management sheet 37 is explained to the user at the time of contract, so that the user terminal 1 sends the accident management sheet 37 to the insurance management company's server 2 within the range that can be understood in the first year.

Person insurance sheet 30, physical insurance sheet 31, automobile insurance sheet 32, liability insurance sheet 33, expense profit insurance sheet 34, and other insurance sheets shown in FIGS. 5 and 6, which are sheets for each type of insurance in which insurance contract information is input. Upon receiving the 35, the server 2 generates and stores the maturity list B36 in which the insurance type sheets are sorted in order of maturity date as one database as shown in S33 of FIG. 3, and sends the insurance type sheet to the user terminal. The maturity list B36 can also be used as a maturity management material (checklist) so that there is no omission of continuation.

As shown in S34 of FIG. 3, the server 2 sends a notification message of the scheduled dialogue date in which the insurance management company and the user interact with the generated maturity list B36 to the user terminal 1 to confirm the convenience of the user. In addition, multiple scheduled dialogue dates are described in the notification text and can be selected. Dialogue using video chat means 6 The dialogue day is set to be at least twice a year, but if it is during the business hours of the insurance management company, you can connect to the server from the user terminal 1 via the network. Video chat means 6 can be used.

The server 2 accesses the user terminal 1 via the network 10 on the dialogue day, and enables the insurance management company and the user to both interact and visually check the documents by using the video chat means 6 as shown in S35 of FIG. As a result, the insurance management company explains to the user the advice information 50 and the risk management information 51 to the user using dialogue and documents based on the corporate sheet and the risk classification table 38. And questions and answers can also be discussed using documents.

(About advice information)
The advice information 50 varies depending on the business scale of the user (corporation), the type of industry, the type of insurance contract, the amount of insurance premiums paid, the insurance policy manager's knowledge of insurance, etc. Explain the obligations and insurance costs. For example, in addition to the obligation to notify when an insurance accident or reason for transfer occurs, the obligation to give correct notification at the time of insurance contract, the obligation to prevent damage in fire insurance, and the obligation to be careful in compensation insurance. And provides information on insurance laws such as surplus subrogation and claim subrogation, which the insurer substitutes for the insurer after paying the insurance money. Further, how to utilize the insurance type sheet of FIGS. 5 and 6, the maturity list B36 of FIG. 7A, and the accident management sheet 37 of FIG. 7B will be described.

(About the accident management sheet)
The accident management sheet of FIG. 7A is intended to store accident data and use it as verification material in order to judge the effect of insurance and the review of insurance contract in the insurance contracted by the user.

(About insurance type sheet)
The insurance type sheet shows whether the insurance contracted by the user has duplicate contracts or the insurance amount is appropriate.
Alternatively, it is classified by attribute so that the user can easily find out whether there is any contract omission.
When a user has a new insurance contract, the user terminal sends the insurance contract information (personal sheet, insurance type sheet) to the server of the insurance management company at any time.
The insurance management company updates the sheet sent from the user terminal to the server each time.
In the present invention, the insurance contract is an insurance contract that covers life insurance, non-life insurance, small-amount short-term insurance, and mutual aid having a basis law, but excludes maritime insurance.

(About risk management information)
The risk management information 51 differs depending on the business scale, industry, insurance contract type, premium paid, etc. of the user (corporation), but the insurance type sheet transmitted by the user terminal 1 to the server 2 and the risk classification table 38 shown in FIG. The potential risk that is not covered by the insurance content of the insurance contract and the validity of the insurance amount by the risk evaluation of the insurance contract using the insurance type sheet and the accident management sheet 37 shown in FIG. 7 (b). This is confirmation information to be confirmed, and the insurance management company can explain by displaying the risk classification table 38 of FIG. 8 on the screen in order to discover the risk that can be passed on to the user.

For example, as a confirmation of risk, the insurance that can be insured will be explained after explaining the target of risk and risk factors regarding human resources, property, liability, cost profit, and information.
Since the contents of collateral and underwriting differ depending on the insurer, we refrain from listing insurance products.
In addition, as the number of insurance contracts increases, contract management such as insurance leaks tends to be inadequate, so the items to be confirmed in insurance contracts will be explained on the screen. For example, although it depends on the user's industry and insurance premium volume, the contract type for risk hedging includes comprehensive contracts, provisional insurance premium contracts by reporting method, reimbursement right waiver incidental contracts, collateral item limited contracts (named peril method), etc. Check the situation regarding risk avoidance and risk mitigation depending on the contract method, such as examination of insurance amount and maximum expected loss amount (PML: Probable Maximum Loss), and explain by displaying the material on the screen.

The insurance management company has information on the insurance products of each insurance company and can provide the information to the user. Further, although it depends on the business content of the user, the insurance management company can display and explain the material with a checklist regarding the risk target and the risk factor based on the risk classification table 38 of FIG. The risk in the support contract SK of the present invention indicates the risk that can be insured against the loss suffered by the company and the event that causes the loss.

Further, if the accident management sheet 37 shown in FIG. 7B has been used for a plurality of years, it will be examined based on the accident management sheet 37. For example, if the difference in insurance premiums is large compared to the insurance claims, the frequency of insurance accidents, the ratio of insurance claims to insurance premiums, and the amount of insurance premiums are higher than a certain amount, alternative risk transfer ( As a form of ART (Alternative Risk Transfer), captives and rental captives are explained by displaying materials on the screen. It is desirable that the accident management sheet 37 has at least 5 years of data. In this case, it is necessary to select an insurer because existing insurance products cannot be used, but the insurance management company provides information at the request of the user.

(About support contract and backup contract)
The insurance management company clearly states in the contract that it is obliged to keep confidential when receiving the insurance contract information (information on the rights of the policyholder) transmitted by the user terminal 1. Further, in the backup contract BK of a natural person, the lawyer of the insurance management company is entrusted with the delegation of the claim right regarding the user's insurance contract. The user is also required to inform the legal heir about this agreement.

(About insurance management company)
The management company consists of persons with practical experience in insurance (business, damage assessment, sales, etc.), lawyer qualification holders (business related to inheritance, adult guardianship system, compensation accidents, etc.), and tax accountant qualification holders (tax law related to insurance premiums and insurance claims). It consists of a person who is familiar with computer security and systems. Each explanation and advice will be given by a person with experience in insurance practice regarding insurance contract management, a tax accountant regarding insurance taxation, and a lawyer regarding inheritance, wills, adult guardianship system, compensation accidents, etc. Although the present invention does not conflict with the Insurance Business Law, it is preferable to notify the Financial Services Agency of the business content.

1 User terminal 2 Server (insurance management company)
3 Transmission / reception means
4 Posting means 5 Screen display means 6 Video chat means 7 Authentication means
8 Storage means 10 Network 21 Personal sheet 22 Maturity list A (Personal maturity list)
30 person insurance sheet 31 physical insurance sheet 32 automobile insurance sheet 33 liability insurance sheet 34 expense profit insurance sheet 35 other insurance sheets 36 maturity list B (corporate maturity list)
37 Accident management sheet 38 Risk classification table 50 Advice information 51 Risk management information SK Support contract BK Backup contract

Claims (7)

An insurance contract protection system in which an insurance management company supports an insurance contract of a natural person or a corporation (hereinafter referred to as a user) who is an insurance policyholder online.
The server of the insurance management company and the user terminal of the user are connected to each other so as to be able to communicate with each other via a network.
The server and the user terminal have a video chat function and have a video chat function.
The server is a contract means for protecting the insurance contract of the user and
In the contract means, the posting means for posting the application form for which the user applies to the insurance management company on the web page, and the posting means.
The insurance management company and the user both use the video chat function based on the input sheet in which the user terminal has input the contract information of the insurance contract into the input sheet and the user terminal has transmitted the input sheet via the network. Video chat means that enable dialogue and visual inspection of documents,
A transmission / reception means for receiving the input sheet from the user terminal and transmitting a notification text of a scheduled dialogue date between the insurance management company and the user using the video chat means to the user terminal via a network.
A screen display means for displaying the input sheet received from the user terminal on the screen, and
A storage means for storing and saving the input sheet displayed on the screen,
An authentication means for storing an image file of the user's face image, face image, or fingerprint image transmitted by the user terminal in the storage means and confirming whether or not the user is the user himself / herself.
Equipped with
Further, the server sorts the input sheet in which the contract information transmitted by the user terminal via the network is input in order of maturity date to generate a maturity list of the insurance contract.
The maturity list is a maturity management material for preventing the continuation omission of the insurance contract.
The video chat means is an insurance contract protection system characterized in that the input sheet and the maturity list are visually recognizable so that the insurance management company can interact with the user to protect the insurance contract. The server posts the application form provided in the contract means on a web page, and the server posts the application form.
The application form includes a backup contract and support contract selection field, a consent field, and an information input field.
The backup contract gives the insurance management company all claims regarding the insurance contract in the case where the user is a natural person and the user develops dementia and there is a possibility that the insurance contract cannot be managed. It is a delegation contract to be delegated
The support contract is for the case where the user is a corporation.
When the user is a natural person, the information input field of the application form is provided with a plurality of fields such as name, date of birth, gender, address, and contact information.
When the user is a corporation, the information input field of the application form is provided with a plurality of fields such as a company name, a person in charge, an address, and a telephone number.
When the user is a natural person, the user terminal is
The application form of the contract means posted by accessing the web page of the server via the network is displayed on the screen.
The user terminal confirms the information input field of the application form displayed on the screen by the user , selects the backup contract , and further confirms the consent to act for the claim procedure related to the insurance contract. The consent column is checked, and the user's name, date of birth, gender, address, contact information, and the user's legal heir's name, address, and contact are entered in the information input field provided by the user in the application form. Send the application form with the above entered and
Upon receiving the backup contract application, the server registers a user account and sends login information to the user terminal via the network.
The user terminal that has received the login information accesses the web page of the server via the network and displays the posted login screen.
The user inputs the login information on the displayed login screen, and the user enters the login information.
The server authenticates the login information and posts a personal sheet, which is the input sheet dedicated to the user, on a web page, and the user terminal uses the user in the input and attached fields of the personal sheet displayed on the screen. Based on the insurance contracted by the user, the user inputs or attaches the contract information, sends the personal sheet to the server via the network, and saves it.
Upon receiving the personal sheet, the server sorts the personal sheet in order of maturity date, generates a maturity list A, and stores the maturity list A.
The server transmits the maturity list A and the notification text of the scheduled dialogue date to the user terminal at least one month before the maturity date of the insurance contract via the network.
The user terminal that has received the maturity list A saves it and
The scheduled dialogue date is at least twice a year,
The server enables both the insurance management company and the user to have a dialogue and view documents by using the video chat means on the dialogue day.
The insurance management company uses the video chat means to explain the insurance contract and
It is possible to check the current status of the user and check the reason for transfer, cancellation, and the presence or absence of an insurance accident in the insurance contract.
The insurance contract protection system according to claim 1 , wherein the server enables an explanation of the maturity list A and a question and answer session from the user using an image. The personal authentication means is for identifying whether or not the user who has concluded the backup contract with the insurance management company is the policyholder when he / she dies lonely or becomes missing due to dementia.
When the user desires the personal authentication means, the user terminal transmits the image file of either the face image or the face image and the fingerprint image of the user to the server via the network.
The server links the image file of any of the user's face image or face image and fingerprint image received from the user terminal, the maturity list A, and the backup contract information, and the storage means. The insurance contract protection system according to claim 2, characterized in that it is stored in. When the user is a corporation, the user terminal accesses the web page of the server via the network and displays the application form of the contract means on the screen.
The user terminal confirms the information input field of the application form displayed on the screen by the user, selects the support contract , and inputs the user's information in the information input field provided in the application form. Send the application form with
Upon receiving the support contract application, the server registers a user account and sends login information to the user terminal via the network.
The user terminal that has received the login information accesses the web page of the server via the network and displays the posted login screen.
The user inputs the login information on the displayed login screen, and the user enters the login information.
The server authenticates the login information and posts the corporate sheet, which is the input sheet dedicated to the user, on the web page.
The corporate sheet includes a person insurance sheet, a physical insurance sheet, an automobile insurance sheet, a liability insurance sheet, an expense profit insurance sheet, and other insurance sheets, and a sheet for each type of insurance.
Furthermore, it is composed of an accident management sheet for inputting accident information of insurance accidents in the insurance contract.
The insurance type sheet is provided with a plurality of input and attachment fields for inputting or attaching the contract information.
The accident management sheet is provided with a plurality of input fields for inputting at least the date and time, place, accident situation, and insurance money paid for inputting the accident information, and an image attachment field for attaching an image file related to the insurance accident. Be,
The insurance type sheet can prevent continuation omissions, contract omissions, duplicate contracts, and confirmation of insurance amount and ownership in the insurance contract.
The accident management sheet can be verified based on the accident data in the insurance contract, and can be verified.
The insurance contract protection system according to claim 2, wherein the insurance management company supports the user by using the insurance type sheet and the accident management sheet in the support contract. The user terminal saves the accident management sheet from the corporate sheet posted on the web page of the server via the network.
Furthermore, the insurance type sheet is displayed on the screen, and the insurance type sheet is displayed on the screen.
The user inputs the contract information in the input and attachment fields of the displayed insurance type sheet, or saves the attached insurance type sheet and sends it to the server.
The server that received the insurance type sheet generates a maturity list B in which the insurance type sheet is sorted in order of maturity date as one database.
The generated maturity list B is stored in the storage means and transmitted to the user terminal via the network.
The user terminal that has received the maturity list B saves it and
The server sends a notification message of the scheduled dialogue date to the user terminal via the network.
The scheduled dialogue date is at least twice a year,
The server enables both the insurance management company and the user to have a dialogue and view documents by using the video chat means on the dialogue day.
The insurance management company can explain the maturity list B, the advice information, and the risk management information to the user by using the video chat means, and further enable the question and answer from the user by using an image. The insurance contract protection system according to claim 4, which is characterized. The advice information varies depending on the business scale, industry, insurance contract type, premium paid, etc. of the user, but generally caution is required in the insurance contract.
(A) Regarding the obligations of policyholders
(B) About insurance subrogation
(C) Regarding the maturity list B provided by the insurance management company
(D) Regarding the use of the insurance type-specific sheet provided by the insurance management company
(E) Regarding the use of the product insurance sheet provided by the insurance management company
(F) Regarding the use of the accident management sheet provided by the insurance management company
Information on
The server enables both the insurance management company and the user to interact and view documents by using the video chat means.
The insurance management company provides the user with the advice information using conversations and images by the video chat means .
The above (A) is the duty of notification, the duty of notification, the duty of damage prevention, the duty of due care of a prudent manager,
In (B) above, the insurer substitutes for the insurer after the insurer pays the insurance money.
The above (C) is a maturity management document that prevents continuous leakage.
In (D) above, prevention of duplicate contracts, contract omissions and confirmation of insurance amount,
The above (E) is a document for confirming the condition before and after the accident by attaching an image file that serves as evidence in the event of damage to the property.
The above (F) is the material to be verified based on the accident data.
It becomes possible to explain each of
The insurance contract protection system according to claim 5, further comprising a question and answer session from the user. The insurance management company has a risk classification table in the company for discovering the exposure of the user in the insurance contract.
The risk classification table is a table in which risk factors given to a risk target are classified according to the attributes that are the target of the risk.
The risk management information varies depending on the business scale, industry, insurance contract type, premium paid, etc. of the user, but the insurance is provided by using the risk classification table and the insurance type sheet transmitted by the user terminal to the server. Confirmation information that confirms the discovery of potential risks that are not covered by the insurance content of the contract, and the validity of the insurance amount based on the risk evaluation of the insurance contract using the insurance type sheet and the accident management sheet. hand,
The server enables both the insurance management company and the user to interact and view documents by using the video chat means.
The fifth aspect of claim 5, wherein the insurance management company can explain the risk management information to the user by using the video chat means by using conversation and an image, and can also ask and answer questions from the user. Insurance contract protection system.

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