JP7028531B1 - Group insurance system, information processing method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a group insurance system capable of automatically confirming that a user contracting group insurance belongs to a group corresponding to the group insurance. In a group insurance system, an application server 100 acquires a user ID indicating information for identifying a user based on a user's operation input to a terminal device 500, and transmits the user ID to the pension server 200. After that, when the company information corresponding to the acquired user identification information is acquired from the annuity server 200, it is determined that the company is a target company, the URL is specified, and the URL is accessed, so that the group insurance application server applies. The screen is displayed. Then, when the subscriber information is acquired based on the user's operation input, the group insurance registration server is made to execute the registration of the subscriber information and the association of the securities number with the acquired company information. [Selection diagram] Fig. 2

Description

The present invention relates to a group insurance system, an information processing method, and a program.

An insurance contract system is disclosed in which a company employee performs a group insurance contract procedure with an insurance agent through a communication network (Patent Document 1).

Japanese Unexamined Patent Publication No. 2001-350923

In the system described in Patent Document 1, the agency company server that performs the insurance contract procedure presents the insurance product application screen to the employee's terminal through the communication network. After that, the employee's terminal sends the application data with the employee's electronic name to the agency company server. The agency company server generates group contract application data based on the aggregated result data showing the aggregated result of a plurality of application data in the organization to which the employee belongs. The agency company server transmits the group contract application data to the agency terminal. The agency terminal transmits the group contract application data with the electronic prominence of the agency to the insurance company terminal. The insurance company terminal stores the group contract application data and the log data including the time processed above. As a result, employees can efficiently carry out insurance contract procedures through the communication network.

However, in the system described in Patent Document 1, it is necessary for the insurance agent or the insurance company to confirm with the group whether or not the employee who sent the application data to the agency company server belongs to the group corresponding to the insurance product. Therefore, there is a risk that the insurance contract procedure will be complicated.

Therefore, in order to solve the above-mentioned problems, the present invention automatically confirms that the user who contracts the group insurance belongs to the group corresponding to the group insurance, provides the system to the corresponding user, and further groups. The purpose is to execute the procedure for applying for a contract.

The group insurance system according to one aspect of the present invention has a first acquisition unit of a first processing device and the user, which acquires user identification information indicating information for identifying the user based on a user's operation input to the terminal device. The first acquisition from the storage unit of the second processing device that stores the identification information and the company information indicating the information related to the company associated with the user identification information and manages the information about the employees belonging to the company. The second acquisition unit that acquires the company information corresponding to the user identification information acquired by the unit, and the user based on the company information acquired by the second acquisition unit based on the operation input of the user. It is equipped with an execution unit that executes the process for taking out group insurance.

In the information processing method according to one aspect of the present invention, the computer acquires user identification information indicating information for identifying the user based on a user's operation input to the terminal device in the first processing device, and the user. The first acquisition from the storage unit of the second processing apparatus that stores the identification information and the company information indicating the information related to the company associated with the user identification information and manages the information about the employees belonging to the company. Acquiring the company information corresponding to the user identification information acquired by the department, and executing a process for the user to take out group insurance based on the company information based on the operation input of the user. And execute.

The program according to one aspect of the present invention obtains, in a first processing device, user identification information indicating information for identifying the user based on a user's operation input to the terminal device, and the user identification information. And the company information indicating the information related to the company associated with the user identification information, from the storage unit of the second processing device that stores the information about the employees belonging to the company, in the first acquisition unit. Acquiring the company information corresponding to the acquired user identification information, and causing the user to execute a process for taking in group insurance based on the company information based on the operation input of the user. To execute.

According to the present invention, it is possible to automatically confirm that a user who contracts group insurance belongs to a group corresponding to the group insurance, and to improve the contract work of group insurance at an agency or an insurance company to the corresponding user.

It is a figure which shows an example of the structure of a group insurance system. It is a figure which shows the outline of the processing of a group insurance system. It is a figure which shows an example of the configuration of an application server. It is a figure which shows an example of the structure of a pension server. It is a figure which shows an example of the corporate pension information. It is a figure which shows an example of the structure of a group insurance application server. It is a figure which shows an example of company information. It is a figure which shows an example of the financial institution information. It is a figure which shows an example of consent confirmation information. It is a figure which shows an example of the structure of a group insurance registration server. An example of the structure of group contract information is shown. It is a figure which shows an example of the structure of a terminal apparatus. It is a flow chart which shows an example of the processing procedure in a group insurance system. This is an example of a screen when linking a user ID and corporate pension information. This is an example of a screen when transitioning to a screen for obtaining prior consent for harmful effects prevention regulations. This is an example of a screen for obtaining prior consent for harmful effects prevention regulations. This is an example of a screen showing a list of menus after obtaining prior consent. This is an example of a screen when accepting a group insurance application. This is an example of a screen for confirming whether or not the conditions of the recruitment restriction destination regulation are satisfied. It is a screen example of the input form of the subscriber information of the group contract. It is a figure which shows an example of the hardware configuration of a server. It is a figure which shows an example of the hardware composition of a terminal apparatus.

Hereinafter, the group insurance system 10 according to the embodiment of the present invention will be described in detail with reference to the drawings. However, the embodiments described below are merely examples, and there is no intention of excluding the application of various modifications and techniques not specified below. That is, the present invention can be variously modified or combined with each embodiment without departing from the spirit of the present invention. Further, in the description of the following drawings, the same or similar parts are represented by the same or similar reference numerals.
=== Overview of group insurance system 10 ===

The group insurance system 10 is, for example, information that can identify a company to which the user belongs (hereinafter referred to as a company code) with respect to information that can identify a user used in a predetermined system (hereinafter referred to as a user ID). ) Is linked to provide a mechanism for the user to conclude a group insurance contract (hereinafter referred to as group insurance) for the company. As a result, the group insurance system 10 can automatically confirm whether or not the user belongs to the company, so that the labor of the agency and the insurance company can be greatly improved.

A group contract is, for example, a group (for example, a company, a government office, a cooperative, etc.) that collects members who wish to take out group insurance provided by the Chamber of Commerce and collects them together with an insurance company. An insurance contract to be made.

Further, the group insurance system 10 acquires, for example, a company code and information that can identify a financial institution associated with the company (hereinafter referred to as a financial institution code) based on a user ID. The group insurance system 10 determines, for example, based on the company code and the financial institution code, whether or not the financial institution corresponding to the company can act as a group insurance agent for the user. As a result, the group insurance system 10 can reduce the amount of work as a group insurance agent in a financial institution. A financial institution is, for example, a city bank or a regional bank.

FIG. 1 is a diagram showing an example of the configuration of the group insurance system 10. As shown in FIG. 1, the group insurance system 10 includes, for example, an application server 100, an annuity server 200, a group insurance application server 300, a group insurance registration server 400, and a user terminal device 500. The application server 100, the pension server 200, the group insurance application server 300, the group insurance registration server 400, and the user's terminal device 500 are connected to each other so as to be able to communicate with each other through the network N.

The application server 100 has, for example, a function of providing a predetermined service to the terminal device 500. The pension server 200 has, for example, a function of providing a company code and a financial institution code corresponding to a user ID by linking with an application server 100 by an API (Application Programming Interface). The group insurance application server 300 has, for example, a function of providing information on group insurance according to a user based on a company code and a financial institution code. The group insurance registration server 400 has a function of acquiring information on the user's group contract by linking with the group insurance application server 300, for example, and registering the contents of the user's group contract in association with the securities number. It is equipped with.

The application server 100, the pension server 200, the group insurance application server 300, and the group insurance registration server 400 may be, for example, any information processing device capable of realizing the above-mentioned various functions. That is, the application server 100, the pension server 200, the group insurance application server 300, and the group insurance registration server 400 are, for example, a server computer, a personal computer (for example, a desktop, a laptop, a tablet, etc.), a media computer platform (for example, a cable, etc.). It may be a satellite set top box, a digital video recorder), a handheld computer device (eg, a PDA, an email client, etc.), or another type of computer, or a communication platform.

The terminal device 500 has, for example, a function of transmitting and receiving various information to and from the application server 100 and providing various information to the user through the display unit 505a.

The terminal device 500 may be, for example, an information processing device capable of realizing the above-mentioned functions. That is, the terminal device 500 is, for example, a smartphone, a mobile phone (feature phone), a personal computer (for example, a desktop, a laptop, a tablet, etc.), a media computer platform (for example, a cable, a satellite set top box, a digital video recorder), and the like. It may be a handheld computer device (eg, PDA (Personal Digital Assistant), e-mail client, etc.), a wearable terminal (glass-type device, watch-type device, etc.), another type of computer, or a communication platform.

The group insurance system 10 may be configured to execute at least a part of the processing executed by the application server 100 on the terminal device 500. Further, the group insurance system 10 may be configured to execute at least a part of the processing executed by the group insurance application server 300 on the application server 100 or the terminal device 500. Further, the group insurance system 10 may be configured to execute, for example, at least a part of the processing executed by the group insurance application server 300 on the group insurance registration server 400. Further, the group insurance system 10 may be configured to execute, for example, at least a part of the processing executed by the group insurance registration server 400 on the group insurance application server 300.

Next, the outline of the processing of the group insurance system 10 will be described with reference to FIG. FIG. 2 is a diagram showing an outline of processing of the group insurance system 10.

First, in step S11, the terminal device 500 receives an operation input from the user, for example, and transmits the user ID managed by the pension server 200 (hereinafter referred to as the pension user ID) to the application server 100. For example, the application server 100 acquires and associates a user ID (hereinafter referred to as an application user ID) used in the application server 100 with the pension user ID. Hereinafter, for convenience, both the application user ID and the pension user ID may be collectively referred to as a “user ID”. Next, the application server 100 transmits a user ID to, for example, the pension server 200.

Next, in step S12, the pension server 200 stores the pension user ID and the application user ID in association with each other. That is, the pension server 200 associates the application user ID with information on the corporate-type defined contribution pension linked to the pension user ID (hereinafter referred to as corporate pension information). The pension server 200 is not limited to linking the application user ID and the corporate pension information, and for example, the app user ID may be linked to the information about the employee of the company to which the company and the employee are linked. .. Hereinafter, the corporate pension information will be described as including, for example, a company code and a financial institution code.

Next, in step S13, the application server 100 receives a user's operation input by, for example, the terminal device 500, and by API linkage, the user ID (here, the application user ID), the company code, and the finance. The institution code is obtained from the pension server 200. That is, the application server 100 can automatically acquire the company code of the company to which the user belongs and the financial institution code of the financial institution that can be the agent of the group contract of the company based on the application user ID. As a result, the group insurance system 10 can reduce the user's procedure for taking out group insurance. Hereinafter, for convenience, the user ID, company code, and financial institution code may be referred to as "user information".

Next, in step S14, the application server 100 determines whether or not the company is covered by group insurance, for example, based on user information.

Next, in step S15, the application server 100 specifies, for example, the web address corresponding to the financial institution code (and the chamber of commerce code) when it is determined that the company to which the user belongs is covered by group insurance. .. The application server 100 may store the web address in the storage unit 310 in advance by, for example, distribution processing. The distribution process will be described later. Thereby, the group insurance system 10 can appropriately provide the user with the contents of the group insurance that the financial institution (and the chamber of commerce) can provide to the user. The processes of steps S13 to S15 may be executed by the group insurance application server 300.

Next, in step S16, the group insurance application server 300 relates to a web page (here, an application screen) for applying for group insurance to the terminal device 500 corresponding to the specified web address, for example, through the application server 100. Send information (eg HTML, CSS, images, etc.).

Next, in step S17, the group insurance application server 300 acquires information regarding the user's group insurance application (hereinafter referred to as subscriber information) from, for example, the terminal device 500 through the application server 100.

Next, in step S18, the group insurance registration server 400 acquires the subscriber information from the group insurance application server 300, for example, by linking with the API.

Next, in step S19, the group insurance registration server 400 stores, for example, the subscriber information and the securities number in the storage unit 410 in association with each other. As a result, the group insurance system 10 can automatically generate a subscriber card based on the subscriber information, so that human error when creating the subscriber card and information at the time of mailing the subscriber card The risk of leakage can be reduced.

Hereinafter, the details of the configuration of each device in the group insurance system 10 that executes the above-mentioned processing will be described.
=== Configuration of application server 100 ===

The configuration of the application server 100 will be described with reference to FIG. FIG. 3 is a diagram showing an example of the configuration of the application server 100. As shown in FIG. 3, the application server 100 includes, for example, a storage unit 110 and an execution unit 120.

The storage unit 110 stores, for example, the company information D111, the financial institution information D112, and the consent confirmation information D113.

The company information D111 will be described with reference to FIG. FIG. 4 is a diagram showing an example of company information D111. As shown in FIG. 4, the company information D111 includes, for example, [company code], [number of employees], [employee classification], [group contract acceptance / rejection], [substitution type], [chamber of commerce code], and It may include the item of [Chamber of Commerce Name].

[Company code] is, for example, an item including a company code that can identify a company. [Number of employees] is, for example, an item including the number of employees of a company. [Employee classification] is, for example, an item including a code classified according to the number of employees of the company. The information in the item of [employee classification] is, for example, information for determining whether or not it corresponds to the harmful effect prevention regulation. [Group contract acceptance / rejection] is, for example, an item containing information indicating whether or not a company has adopted group insurance. The information in the item of [Group contract acceptance / rejection] is, for example, information for determining whether or not a company is covered by group insurance. The [substitution type] is, for example, an item including information indicating whether or not a financial institution (here, a bank) is registered as an agency. The information in the item of [substitution type] is, for example, information for determining whether or not to confirm the "harmfulness prevention regulation" with the user. The [Chamber of Commerce Code] is, for example, an item including information that can identify the Chamber of Commerce to which the company belongs (hereinafter referred to as the Chamber of Commerce Code). [Chamber of Commerce Name] is, for example, an item including the name of the Chamber of Commerce.

Here, the harmful effect prevention regulation is the superior position and influence of a financial institution on a company when a financial institution (for example, "a person specified by a bank or other government ordinance" in the Insurance Business Law) solicits insurance. It is a regulation to prevent damage to a company or harm to fair competition with other insurance soliciting institutions by exercising it. A financial institution that falls under the harmful effects prevention regulations in relation to a company cannot be an agent for the group insurance of the company.

Next, the financial institution information D112 will be described with reference to FIG. FIG. 5 is a diagram showing an example of financial institution information D112. As shown in FIG. 5, the financial institution information D112 is, for example, [financial institution code], [financial institution name], [special regional financial institution], [chamber of commerce code], [chamber of commerce name], [bank]. It may include the items of [URL with charge] and [URL without bank charge]. For convenience, the description of the same items as the company information D111 will be omitted.

[Financial institution code] is, for example, an item including a financial institution code that can identify a financial institution. [Financial institution name] is, for example, an item including the name of a financial institution. [Special regional financial institution] includes, for example, a code indicating whether or not it corresponds to "special regional financial institution" (for example, "1" indicates that it corresponds and "0" indicates that it does not correspond). It is an item. The information in the item of [Special regional financial institution] is, for example, information for specifying the requirements subject to the regulation when determining whether or not it corresponds to the harmful effect prevention regulation. [URL with bank charges] is, for example, an item including a web address associated with a financial institution based on distribution processing. The information in the item [URL with bank charges] is information indicating a web address that provides a screen for a user to take out group insurance with a financial institution as an agent. [URL without bank charges] is, for example, an item including a web address associated with a financial institution based on distribution processing. The information in the item [URL without bank charges] is information indicating a web address that provides a screen for the user to take out group insurance with an institution other than a financial institution as an agent.

Here, a special regional financial institution is an insurance solicitation such as an insurance solicitation restriction destination regulation instead of setting a certain upper limit of insurance amount and benefit amount for products such as cancer insurance, medical insurance, and nursing care insurance. A financial institution whose requirements are relaxed.

The consent confirmation information D113 will be described with reference to FIG. FIG. 6 is a diagram showing an example of consent confirmation information D113. As shown in FIG. 6, the consent confirmation information D113 includes, for example, [app user ID], [company code], [financial institution code], [harmful prevention consent flag], [agreement date / time], and [recruitment restriction destination confirmation flag]. ], And [Confirmation date and time] items may be included. For convenience, the same items as the corporate pension information D211 described later will be omitted.

The [harmfulness prevention consent flag] indicates, for example, information indicating whether or not the application server 100 has consented to the harmfulness prevention regulation in advance (for example, "1" indicates that the user has agreed, and "0" indicates that the user has not agreed. It is an item including). The information in this item is information for omitting the user's procedure regarding the second and subsequent consents to the harmful effect prevention regulation. The [agreement date / time] includes, for example, information indicating the date and time when the information indicating that the user has agreed in advance (hereinafter referred to as consent information) is acquired from the application server 100. [Recruitment restriction destination confirmation flag] is, for example, information indicating whether or not the application server 100 corresponds to the regulation target of the recruitment restriction destination (for example, "1" indicates that the user has confirmed the "recruitment restriction destination regulation". Indicated, "0" indicates that the user has not confirmed the "recruitment restriction destination regulation"). The [confirmation date / time] includes, for example, information indicating the date and time when the information regarding the subscription procedure (hereinafter referred to as subscription procedure information) is acquired from the application server 100.

Here, the solicitation restriction destination regulation refers to the corporation to which the business fund is lent, its representative, the sole proprietor (including the case where the business fund of the corporation is lent to the representative), and the business fund. Regulations for executives (excluding representatives) and employees (including cases where corporate business funds are lent to representatives) of companies with 50 or less employees who are lenders and who use them all the time say. A financial institution acting as an agent cannot conclude a group insurance contract with a person who falls under the restrictions on recruitment as a policyholder or an insured person. In the group insurance system 10, for example, for a corporation (company), whether or not it falls under the solicitation restriction destination regulation is sorted by the distribution processing unit 360 described later, and for an individual, it is shown in FIG. 19 described later. By inputting the user's operation on the screen T19 shown, it is confirmed whether or not the recruitment restriction destination regulation is applicable.

The company information D111 and the financial institution information D112 stored in the storage unit 110 may not be stored in the application server 100, and may be stored in a device different from the application server 100, for example. In this case, the application server 100 may acquire the company information D111 and the financial institution information D112 from the device.

The execution unit 120 executes a process for the user to take out group insurance, for example, based on various information. The execution unit 120 includes, for example, an acquisition unit 121, a first determination unit 122, a specific unit 123, a second determination unit 124, a distribution processing unit 125, a third determination unit 126, and a transmission unit 127. Includes a display processing unit 128. In the group insurance system 10, for example, all or a part of the functions of the execution unit 120 in the application server 100 may be executed by the group insurance application server 300.

The acquisition unit 121 acquires various information from the pension server 200, for example, by linking with API. Specifically, the acquisition unit 121 acquires the company code and the financial institution code from the pension server 200 by API linkage based on the application user ID. Further, the acquisition unit 121 may acquire various information between the group insurance application server 300 and the terminal device 500.

The first determination unit 122 determines whether or not the company has adopted group insurance, for example, based on the company code. Specifically, the first determination unit 122 is based on, for example, the information (here, “adopted” or “not adopted”) input in the item of [group contract acceptance / rejection] of the company information D111 of the storage unit 110. Then, it may be determined whether or not the company to which the user belongs has adopted group insurance. In other words, the first determination unit 122 determines, for example, whether or not the user belonging to the company is eligible for group insurance. As a result, the group insurance system 10 can easily determine whether or not the user can join the group insurance, so that the convenience of the user and the company can be improved.

The specifying unit 123 specifies, for example, various information for executing the distribution processing in the distribution processing unit 125, which will be described later. Specifically, the specific unit 123 is, for example, based on the company code associated with the application user ID, the information of the item of the [employee classification] of the company information D111 (here, "A" to "C". You may specify the number of employees of the company corresponding to the user by referring to any of the categories). Further, the specific unit 123 is, for example, based on the financial institution code associated with the application user ID, the information of the item of the [special regional financial institution] of the financial institution information D112 (here, "1" or "0". Flags) may be referred to to identify whether a financial institution falls under the category of a special regional financial institution. As a result, the distribution processing unit 125 can execute the distribution processing described later based on the number of employees of the company or the information regarding the special regional financial institution.

Further, the specific unit 123 is, for example, an item of a web address generated by the distribution processing based on the financial institution code associated with the application user ID (for example, the item of [URL with bank charges] of the financial institution information D112 or. Specify the item) of [URL without bank charges]. Further, the specific unit 123 may specify the web address according to, for example, the result of determination by the third determination unit 126, which will be described later. As a result, the application server 100 can provide the user with a web page for applying for group insurance according to the user (making the user take out group insurance).

In the second determination unit 124, for example, based on the information indicating the number of employees of the company (hereinafter referred to as the number of employees information) specified by the specific unit 123, the company insures the financial institution as a group insurance in the recruitment restriction destination regulation. Determine if you can be an agency. Further, the second determination unit 124 sets the recruitment restriction destination regulation based on, for example, the number of employees information and the information indicating whether or not the financial institution corresponds to the special regional financial institution (hereinafter referred to as special information). A company may determine whether a financial institution can be a group insurance agent. Specifically, the second determination unit 124 is, for example, a group insurance agent according to the division of the number of employees information (here, the classification of "A" to "C") specified by the specific unit 123. Determine if it can be done. Further, whether or not the second determination unit 124 can act as a group insurance agent according to the flag indicated by the special information (here, the flag of "1" or "0") specified by the specific unit 123, for example. Is determined. As a result, the group insurance system 10 can easily determine whether or not a company can make a financial institution an agent of group insurance in the regulation of the solicitation restriction destination, so that the convenience of the company and the financial institution can be improved.

The distribution processing unit 125 executes, for example, a distribution process. The distribution process is a process of acquiring a web address related to group insurance according to the conditions of the company. In group insurance, whether or not a company can make a financial institution an agent for group insurance based on the determination result of whether or not the number of employees specified by the specific unit 123 satisfies a predetermined condition in the second determination unit 124. Is determined. Specifically, for example, if the number of employees of a company is 51 or more, a financial institution can be a group insurance agent, and if the number of employees is less than 51, it cannot be a group insurance agent. Further, in the group contract, the above-mentioned condition of the number of employees is relaxed based on the result of whether or not the financial institution corresponds to the special regional financial institution specified by the specific section 123 described later. Specifically, if the number of employees of a company is 21 or more, a financial institution cannot be an agent for group insurance, and if the number of employees is less than 21, a financial institution cannot be an agent for group contracts. That is, the application server 100 acquires a web address according to the result of distributing whether or not the financial institution can be an agent of a group contract in relation to a company by distribution processing. Since the above-mentioned number of employees is an example, the number of employees may be changed.

Further, in the case of group insurance, the content of compensation may be determined based on the result of whether or not the financial institution falls under the special regional financial institution specified by the specific section 123 described later. Specifically, the app server 100 sets, for example, compensation for nursing care to 3 million if the financial institution does not fall under the special regional financial institution, and 1 million if the financial institution falls under the special regional financial institution. .. That is, the application server 100 generates a web address according to the result of distributing the insurance contents according to the financial institution (and the chamber of commerce) associated with the company by the distribution processing.

In this way, the application server 100 can generate a web address to be provided to the user by the distribution process and automatically distribute the web address according to the financial institution. Thereby, the group insurance system 10 can improve the convenience of the user and the agency. The distributed web address is stored in, for example, the financial institution information D112 of the storage unit 110 (for example, the item of [URL with bank charge], the item of [URL without bank charge]).

Further, the distribution processing unit 125 may execute the distribution processing based on the result of whether or not the financial institution can be an agent of group insurance, which is determined by the second determination unit 124, for example. For example, when the second determination unit 124 determines that the financial institution cannot act as a group insurance agent, the distribution processing unit 125 may generate a web address corresponding to the "two-party charge" for the user. good. On the other hand, when the second determination unit 124 determines that the financial institution can act as a group insurance agent, the distribution processing unit 125 generates, for example, a web address corresponding to the "three-party charge" for the user. May be good. As a result, the application server 100 can automatically assign the web address according to whether or not the financial institution can be an agency, so that the convenience of the user and the agency can be improved.

Here, the two-party charge means that the agency is shared between the financial institution-affiliated agency and the chamber of commerce agency as a group insurance agency sharing contract. In addition, the three-party charge is a group insurance agency sharing contract, in which a financial institution (for example, a bank), a financial institution-affiliated agency, and a chamber of commerce agency share the agency. say.

In the third determination unit 126, for example, based on the result of receiving the operation input of the user in the terminal device 500, the financial institution is subject to the solicitation restriction destination regulation regarding the relationship between the user and the financial institution indicated by the financial institution information. Determine if it exists. Specifically, when the third determination unit 126 acquires, for example, information indicating that the recruitment restriction destination regulation is applicable by the user (hereinafter referred to as restriction applicable information) from the terminal device 500, the third determination unit 126 is based on the restriction applicable information. Therefore, it is determined that the financial institution is subject to the restrictions on recruitment. As a result, the group insurance system 10 can easily determine whether or not the financial institution can act as a group insurance agent in relation to the user, so that the convenience of the user and the financial institution can be improved.

The transmission unit 127 transmits various information to, for example, the group insurance application server 300.

The display processing unit 128 generates, for example, information (for example, HTML, CSS, an image, etc.) for displaying various screens shown in FIGS. 14 to 19 on the display unit 505a of the terminal device 500.
=== Configuration of pension server 200 ===

The configuration of the pension server 200 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of the configuration of the pension server 200. As shown in FIG. 7, the pension server 200 includes, for example, a storage unit 210 and a transmission unit 220.

The storage unit 210 stores, for example, the corporate pension information D211. The corporate pension information D211 will be described with reference to FIG. FIG. 8 is a diagram showing an example of corporate pension information D211. As shown in FIG. 8, the corporate pension information D211 includes, for example, [name], [app user ID], [subscriber number], [company code], [financial institution code], [financial institution name], and [business]. It may include the items of [Store Code] and [Distributor Code].

[Name] is, for example, an item including the name of a member of a corporate-type defined contribution pension plan. The [application user ID] is, for example, an item including an application user ID that can identify a user who uses the application of the application server 100. The [subscriber number] is, for example, an item including identification information (here, a pension user ID) of a participant (here, a user) who joins a corporate-type defined contribution pension plan. [Company code] is, for example, an item including a company code that can identify a company. [Financial institution code] is, for example, an item including a financial institution code that can identify a financial institution. [Financial institution name] is, for example, an item including the name of a financial institution. The [business office code] is, for example, an item including information that can identify the business office to which the handling agent of the insurance company belongs. The [agency code] is, for example, an item containing information that can identify the handling agency of the insurance company.

The transmission unit 220 transmits various information to, for example, the application server 100 and the terminal device 500.
=== Configuration of group insurance application server 300 ===

The configuration of the group insurance application server 300 will be described with reference to FIG. 9. FIG. 9 is a diagram showing an example of the configuration of the group insurance application server 300. As shown in FIG. 9, the group insurance application server 300 includes, for example, a storage unit 310, an acquisition unit 320, and a transmission unit 330.

The storage unit 310 stores, for example, the company information D311, the financial institution information D312, and the consent confirmation information D313. Since the company information D311, the financial institution information D312, and the consent confirmation information D313 are the same as the company information D111, the financial institution information D112, and the consent confirmation information D113 stored in the storage unit 110, the description thereof will be omitted. ..

The group insurance application server 300 synchronizes the company information D311, the financial institution information D312, and the consent confirmation information D313 with the company information D111, the financial institution information D112, and the consent confirmation information D113 of the storage unit 110 of the application server 100, for example. May be updated.

The acquisition unit 320 acquires various information from the application server 100, for example, by linking with the API. The transmission unit 330 transmits various information to, for example, the application server 100. The display processing unit 340, for example, generates information (for example, HTML, CSS, an image, etc.) for displaying the screen shown in FIG. 20 on the display unit 505a of the terminal device 500.
=== Configuration of group insurance registration server 400 ===

The configuration of the group insurance registration server 400 will be described with reference to FIG. 10. FIG. 10 is a diagram showing an example of the configuration of the group insurance registration server 400. As shown in FIG. 10, the group insurance registration server 400 includes, for example, a storage unit 410, an acquisition unit 420, an item extraction unit 430, and a subscriber card information generation unit 440.

The storage unit 410 stores, for example, the group contract information D411. FIG. 11 shows a configuration example of the group contract information D411. As shown in FIG. 11, the group contract information D411 stores information related to a group insurance contract (hereinafter referred to as contract information), and data items include, for example, a first contract securities number, a policyholder name, and a second. Includes contract certificate number, insured name, address, start date, etc. The first contract certificate number is a code for identifying the insurance policy of the group policyholder. An insurance policy is a certificate issued by an insurance company to a group policyholder that a group insurance contract has been concluded. .. The contractor's name is the name of the insured. The second contract securities number is a code associated with the first contract securities number to identify the insured's insurance policy. Here, the insured's insurance policy is a security obtained by splitting the securities of a group policyholder. The insured person's name is the insured person's name. The address is the place where the insured will be based. The start date is the start of the insured's subscription contract. Here, the group contract information D411 is updated when the acquisition unit 420 acquires the second contract information.

The acquisition unit 420 acquires various information from, for example, the group insurance application server 300.

The item extraction unit 430 extracts information on a predetermined contract item from, for example, the group contract information D411, using the first contract securities number as a key, in order to generate the subscriber card information. Specifically, the predetermined contract item is, for example, a second contract securities number which is a subscriber number and a contract item associated with the second contract securities number.

The subscriber card information generation unit 440 generates the subscriber card information regarding the subscriber card based on the extracted information regarding the contract item. As a result, the subscriber card can be managed on the system, so that it is possible to avoid problems in human work related to the handling of the subscriber card. The subscriber card information generation unit 440 may generate the subscriber card information by adding supplementary information about the contract from a predetermined table (not shown) in addition to the extracted contract items. Even if the predetermined table stores information about the insured, which is not included in the first contract information and the second contract information, for example, which is generated when the insured is registered in the group policyholder. good. As a result, the group insurance system 10 creates the subscriber card based on the subscriber card information without the intervention of a person, so that a human error in creating the subscriber card or when the subscriber card is mailed. It is possible to reduce the risk of information leakage.

Here, the subscriber card is a document certifying the insurance content that the insured has taken out based on the enrollment request form as a substitute for the insurance policy for the insured in the group insurance contract.
=== Configuration of terminal device 500 ===

The configuration of the terminal device 500 will be described with reference to FIG. FIG. 12 is a diagram showing an example of the configuration of the terminal device 500. The terminal device 500 causes the display unit 505a to display various screens based on the information acquired from the application server 100, for example. The terminal device 500 includes, for example, a storage unit 510, an acquisition unit 520, a display processing unit 530, and a transmission unit 540. The storage unit 510 stores, for example, various types of information. The acquisition unit 520 acquires, for example, information about various screens from the application server 100. The display processing unit 530 causes the display unit 505a to display, for example, information on various acquired screens. The transmission unit 540 transmits, for example, various information to the application server 100.
=== Processing procedure of group insurance system 10 ===

With reference to FIGS. 13 to 20, the processing procedure until the user joins the group contract in the group insurance system 10 will be described. FIG. 13 is a flow chart showing an example of the processing procedure in the group insurance system 10. 14 to 20 are screen examples displayed on the display unit 505a of the terminal device 500. FIG. 14 is an example of a screen when the user ID and the corporate pension information are linked. FIG. 15 is an example of a screen when transitioning to a screen for obtaining prior consent of the harmful effect prevention regulation. FIG. 16 is an example of a screen for obtaining the prior consent of the harmful effect prevention regulation. FIG. 17 is an example of a screen showing a list of menus after obtaining prior consent. FIG. 18 is an example of a screen when accepting an application for group insurance. FIG. 19 is an example of a screen for confirming whether or not the conditions for the regulation of recruitment restrictions are satisfied. FIG. 20 is a screen example of an input form for subscriber information of a group contract.

Hereinafter, for convenience, the agency will be referred to as "Bank A", and Bank A will be subject to the application of "special regional financial institution". Further, in the following, the terminal device 500 is described as acquiring information for displaying on the display unit 505a from the group insurance application server 300 through the application server 100, but the present invention is not limited to this. For example, the terminal device 500 may acquire information for displaying on the display unit 505a from the group insurance application server 300 without going through the application server 100.

First, in step S100, the terminal device 500 receives the user's operation input and acquires the user ID (for example, the pension user ID). The terminal device 500 transmits the user ID to the application server 100. After that, the terminal device 500 acquires, for example, the screen T14 shown in FIG. 14 from the application server 100 and displays it on the display unit 505a.

Next, in step S101, when the application server 100 receives the user's operation input to the object T141 on the screen T14, for example, in the terminal device 500, the application server 100 associates the application user ID with the pension user ID. Then, the application server 100 transmits a user ID (for example, an application user ID and a pension user ID) to the pension server 200. The pension server 200 stores, for example, an application user ID in the storage unit 210 in association with corporate pension information (here, at least a company code and a financial institution code) corresponding to the pension user ID. As a result, the group insurance system 10 can acquire the company code and the financial institution code corresponding to the user based on the user ID (for example, the application user ID) used in the application server 100 by simply constructing the system.

Next, in step S102, the application server 100 acquires user information (here, a company code and a financial institution code) corresponding to the application user ID from the pension server 200 by, for example, API linkage.

Next, in step S103, the application server 100 determines whether or not the company to which the user belongs is a company covered by group insurance, based on, for example, the company code. do. Specifically, the application server 100 confirms, for example, the item of [group contract acceptance / rejection] corresponding to the company code in the company information D311. For example, the application server 100 determines that "adopted" is entered in the item, and "not targeted" is determined if "not adopted" is entered in the item. Further, the application server 100 (first determination unit 122) may determine whether or not the company is covered by group insurance, for example, depending on the presence or absence of the financial institution code corresponding to the company code in the company information D311.

When it is determined to be "target" in step S103 (YES), the application server 100 transmits, for example, information (determination information) for displaying the screen T15 shown in FIG. 15 to the terminal device 500. Here, the "information to be displayed" may be, for example, a code indicating HTML, CSS, an image, or the like for displaying various screens on a browser. The screen T15 is a screen for transitioning to a screen for obtaining prior consent for the harmful effect prevention regulation. As shown in FIG. 15, screen T15 includes, for example, object T141 (here, “welfare program”). For example, the web address associated with the financial institution code is linked to the object T151. For example, when the terminal device 500 receives a user's operation input for the object T151, the terminal device 500 acquires information for displaying the screen T16 shown in FIG. 16 from the application server 100.

When it is determined in step S103 that it is "not a target" (NO), the application server 100 displays, for example, information for displaying a screen (not shown) indicating that the procedure for joining the group contract cannot proceed. It is transmitted to the device 500 (step S121). Specifically, the application server 100 transmits, for example, a screen in which the object T151 is not displayed on the screen T15 to the terminal device 500.

That is, in step S103, for example, the application server 100 causes the object T151 to be displayed on the display unit 505a only when it is determined to be "target" (step S103: YES), and the user applies for group insurance. Process to proceed to the procedure. As a result, the group insurance system 10 can improve the convenience of the user.

Next, in step S104, the terminal device 500 acquires, for example, information (determination information) for displaying the screen T15 shown in FIG. For example, when the terminal device 500 accepts the operation input of the user for the object T151 of the screen T15, the terminal device 500 requests the application server 100 for information for displaying the screen regarding the welfare system.

Next, in step S105, the application server 100 transmits, for example, information for displaying the screen T16 (here, the consent confirmation screen) shown in FIG. 16 to the terminal device 500. That is, when the group insurance system 10 accepts the operation input of the user for the object T151, the screen T16 corresponding to the web address linked to the object T151 is displayed on the display unit 505a of the terminal device 500.

Next, in step S106, the application server 100 causes the display unit 505a to display the screen T16 shown in FIG. 16 in the terminal device 500. The screen T16 is a screen for obtaining prior consent for the harmful effect prevention regulation. As shown in FIG. 16, the screen T16 has, for example, a caution statement T161 indicating the content of the harmful effect prevention regulation, a consent button T162 for the user to consent in advance to the content of the harmful effect prevention regulation, and a prior to the content of the harmful effect prevention regulation. Includes disagreement button T163 for disagreement. When the terminal device 500 accepts the user's operation input to the consent button T162, the terminal device 500 transmits the consent information indicating that the user has agreed to the application server 100. On the other hand, when the user's operation input is accepted for the disagreement button T163, the terminal device 500 transmits information indicating disagreement (hereinafter referred to as disagreement information) to the application server 100. As a result, the group insurance system 10 can record whether or not the user has agreed to the content of the harmful effect prevention regulation, so that the user's confirmation of the harmful effect prevention regulation from the second time onward can be omitted, which is convenient for the user. Can be improved.

Next, in step S107, the application server 100 specifies whether or not the user has agreed, for example, based on the information acquired from the terminal device 500. If the user agrees (step S107: YES), the application server 100 may transmit the consent information to the pension server 200 by API linkage, for example. Further, the application server 100 transmits, for example, information for displaying the screen T17 shown in FIG. 17 on the display unit 505a to the terminal device 500. If the user does not agree (step S107: NO), the application server 100 provides information for displaying, for example, a screen (not shown) indicating that the procedure for joining the group contract cannot proceed. (Step S121).

Next, in step S108, the pension server 200 stores consent information or disagreement information (for example, a flag) in the storage unit 210. As a result, the group insurance system 10 can determine that the user has consented to the content of the harmful effect prevention regulation in advance based on the consent information or the disagreement information from the next time onward, and can omit the processing of steps S102 to S107, which is convenient for the user. You can improve your sex.

Further, in step S109, the pension server 200 may provide consent information or disagreement information to the financial institution. As a result, the convenience of the financial institution can be improved because the information indicating that the user has agreed in advance to the contents of the harmful effect prevention regulation can be obtained as evidence at the financial institution.

Next, in step S110, the application server 100 causes the display unit 505a to display the screen T17 shown in FIG. 17 on the terminal device 500. The screen 17 is a screen showing a list of menus when consent is given. As shown in FIG. 17, the screen T17 includes, for example, an object indicating an item relating to a corporate defined contribution pension plan. For example, when the terminal device 500 accepts a user's operation input for the object T171 for applying for group insurance, the terminal device 500 acquires information for displaying the screen T18 shown in FIG. 18 from the application server 100. The screen T18 is a screen for specifying the web address distributed by the distribution process. As shown in FIG. 18, the screen T18 includes, for example, an explanatory description T181 of the whole outline of the group contract and an application start button T182 for transitioning to a screen for proceeding with the application procedure of the group contract. Then, for example, when the user's operation input is accepted for the application start button T182 on the screen T18, the terminal device 500 transmits information for accessing a predetermined web address to the application server 100.

In step S111, the application server 100 (specification unit 123) specifies, for example, a web address corresponding to a pre-generated financial institution code by distribution processing. Specifically, the application server 100 may specify, for example, the web address of the item [web address with bank charges] of the financial institution information D312. As a result, the agency restricted by the recruitment restriction destination regulation can be automatically excluded, so that the convenience of the business operator and the user can be improved.

Next, in step S112, the application server 100 transmits, for example, information for displaying the screen T19 (recruitment restriction destination regulation confirmation screen) shown in FIG. 19 to the terminal device 500.

Next, in step S113, the application server 100 causes the display unit 505a of the terminal device 500 to display the screen T19. The screen T19 is a screen for confirming whether or not the user satisfies the conditions of the recruitment restriction destination regulation. As shown in FIG. 19, the screen T19 has, for example, an explanatory text T191 indicating confirmation items regarding the solicitation restriction destination regulation, a procedure button T192 for proceeding to the enrollment procedure with Bank A as an agent for a group contract, and a solicitation restriction destination. Includes a report button T193 for reporting that the regulation applies. For example, when the terminal device 500 receives the operation input of the user for the procedure button T192, the terminal device 500 transmits information requesting the subscription procedure (hereinafter referred to as a subscription procedure request) to the application server 100. On the other hand, when the terminal device 500 receives the operation input of the user for the report button T193, for example, the terminal device 500 transmits the restriction applicable information to the application server 100.

Next, in step S114, the application server 100 (third determination unit 126) determines, for example, whether or not the user falls under the recruitment restriction destination regulation based on the information acquired from the terminal device 500. Specifically, the application server 100 determines that the user does not fall under the recruitment restriction destination regulation when the subscription procedure request is acquired, and determines that the recruitment restriction destination regulation is applicable when the user acquires the restriction applicable information. ..

When it is determined in step S114 that the application restriction destination regulation does not apply (YES), the application server 100 is, for example, the screen T20 (subscription procedure screen) shown in FIG. 20, which is a web page of the web address specified in step S110. Information for displaying the above is transmitted to the terminal device 500 through the application server 100 (step S114).

When it is determined in step S114 that the application restriction destination regulation is applicable (NO), the application server 100 displays, for example, information for displaying a screen (not shown) indicating that the procedure for enrolling in group insurance cannot proceed. It may be transmitted to the terminal device 500 (step S121). In this case, the application server 100 provides information for displaying a screen (not shown) in which a business operator (for example, an institutional agency) different from the financial institution acts as an agency and causes the user to join the group contract. It may be transmitted to the terminal device 500. Specifically, the application server 100 may display, for example, the web page of the web address of the item [web address without bank charges] of the financial institution information D312 on the display unit 505a of the terminal device 500. As a result, the user's convenience can be improved because the procedure for joining the group contract can be continued by using a non-financial institution as an agent.

Next, in step S115, the group insurance application server 300 causes the display unit 505a of the terminal device 500 to display the screen T20. The screen T20 is an example of a screen of an input form for subscriber information of a group contract. As shown in FIG. 20, the screen T20 includes, for example, an input area T201 for inputting subscriber information.

Next, in step S116, for example, when the terminal device 500 receives the user's operation input to the input area T201, the terminal device 500 receives the subscriber information together with the information requesting the registration of the group insurance through the application server 100 for the group insurance. Send to the application server 300.

Next, in step S117, the group insurance application server 300 transmits the subscriber information to the group insurance registration server 400, for example, by linking with the API. It is desirable that the group insurance application server 300 does not store the subscriber information in the storage unit 310. As a result, the group insurance system 10 does not disperse and store the subscriber information, which is personal information, so that the personal information can be easily managed.

Next, in step S118, the group insurance registration server 400 stores, for example, the subscriber information in the storage unit 410. Further, the group insurance registration server 400 may, for example, transmit information indicating that the subscriber information has been registered (hereinafter referred to as registration completion information) to the application server 100. For example, the application server 100 may transmit a screen (not shown) regarding registration completion to the terminal device 500 when the registration completion information is received (step S119). Next, in step S120, the group insurance registration server 400 creates, for example, a subscriber card. As a result, the group insurance system 10 creates the subscriber card based on the subscriber card information without the intervention of a person, so that a human error in creating the subscriber card or when the subscriber card is mailed. It is possible to reduce the risk of information leakage.
=== Hardware configuration of group insurance system 10 ===

The HW configuration of each device included in the group insurance system 10 will be described with reference to FIGS. 21 and 22. For convenience, the application server 100, the pension server 200, the group insurance application server 300, and the group insurance registration server 400 will be collectively referred to as "server 100 and the like". FIG. 21 is a diagram showing an example of the hardware configuration of the server. FIG. 22 is a diagram showing an example of the hardware configuration of the terminal device 500.

As shown in FIG. 21, the server 100 and the like include a control unit (CPU) 101, a storage device 102, a communication I / F (interface) 103, an input device 104, and an output device 105. The components of the HW, such as the server 100, are connected to each other via, for example, the bus B1. It is not essential that the HW of the server 100 or the like includes all the components as the configuration of the HW of the server 100 or the like.

The control unit 101 has a circuit physically structured to execute a function realized by a code or an instruction contained in the program P1, and is realized by, for example, a data processing device built in hardware. To. The control unit 101 is typically a central processing unit (CPU), and may be a microprocessor, a processor core, a multiprocessor, an ASIC, or an FPGA. In the present disclosure, the control unit 101 is not limited to these.

The storage device 102 has a function of storing various programs and various data required for operating the server 100 and the like. The storage device 102 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present disclosure, the storage device 102 is not limited to these.

The communication I / F 103 transmits / receives various data via the network N. Communication by communication I / F 103 may be executed by wire or wireless, and any communication protocol may be used as long as mutual communication can be executed. The communication I / F 103 has a function of executing communication with another device such as the terminal device 500 via the network N. The communication I / F 103 transmits various data to other devices according to instructions from the control unit 101. Further, the communication I / F 103 receives various data transmitted from other devices and transmits them to the control unit 101.

The input device 104 is realized by a device that inputs various operations to the server 100 and the like. The input device 104 is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the received input to the control unit 101. The input device 104 is typically realized by a hardware key typified by a keyboard or the like, or a pointing device such as a mouse. In the present disclosure, the input device 104 is not limited to these.

The output device 105 includes, for example, a display unit. The display unit is typically realized by a monitor (for example, a liquid crystal display or OELD).

The server 100 or the like stores the program P1 and various databases in the storage device 102. In the server 100 or the like, the control unit 101 executes this program P1 to execute the processing as each unit included in the control unit 101. That is, the program 15a stored in the storage device 102 causes the server 100 or the like to realize each function executed by the control unit 101.

As shown in FIG. 22, the terminal device 500 includes a control unit (CPU: Central Processing Unit) 501, a storage device 502, a communication I / F (interface) 503, an input device 504, and an output device 505. .. Each component of the HW of the terminal device 500 is connected to each other via, for example, bus B2. It is not essential that the HW configuration of the terminal device 500 includes all the components.

The control unit 501 has a circuit physically structured to execute a function realized by a code or an instruction contained in the program, and is realized by, for example, a data processing device built in hardware. .. The control unit 501 is, for example, a central processing unit (CPU), a microprocessor (microprocessor), a processor core (processor core), a multiprocessor (multiprocessor), an ASIC (Application-Specific Integrated Circuit), or an FPGA (Field Programmable Gate Array). including.

The storage device 502 has a function of storing various programs and various data required for the terminal device 500 to operate. The storage device 502 includes various storage media such as an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, a RAM (Random Access Memory), and a ROM (Read Only Memory).

The communication I / F 503 transmits and receives various data via the network N. The communication by the communication I / F 503 may be executed by wire or wireless, and any communication protocol may be used as long as the mutual communication can be executed. The communication I / F 503 has a function of executing communication with the server 100 or the like via the network N. The communication I / F 503 transmits various data to the server 100 or the like according to the instruction from the control unit 501. Further, the communication I / F 503 receives various data transmitted from the server 100 or the like and transmits the various data to the control unit 501. Further, the communication I / F 503 may be simply expressed as a communication unit.

The input device 504 includes a device for inputting various operations to the terminal device 500. The output device 505 includes a device that outputs a processing result processed by the terminal device 500. The input device 504 and the output device 505 may be integrated.

The input device 504 is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the received input to the control unit 501. The input device 504 includes, for example, an operation unit, a microphone, and a camera. The operation unit includes, for example, a hardware key such as a touch panel, a touch display, and a keyboard, and a pointing device such as a mouse.

The output device 505 is realized by any one or a combination of all kinds of devices capable of outputting the processing result processed by the control unit 501. The output device 505 includes, for example, a display unit 505a and a speaker (audio output) 505b. The output device 505 further includes, for example, a touch panel, a touch display, a lens (for example, 3D (three dimensions) output, a hologram output), a printer, and the like.

The display unit 505a is realized by any or a combination of all kinds of devices capable of displaying a screen according to the display data written in the frame buffer. The display unit 505a may be, for example, a touch panel, a touch display, a monitor (for example, a liquid crystal display, an Electroluminescence Display), a head mounted display (HDM), a projection mapping, a hologram, in the air, or the like (vacuum). A device capable of displaying a screen, text information, etc. may be included. Note that these display units 505a may be capable of displaying display data in 3D. The speaker 505b is used for output of audio data. It is.

The terminal device 500 stores the program P2 and the database in the storage device 502. In the terminal device 500, the control unit 501 executes the program P2 to execute the processing as each unit included in the control unit 501. That is, the program P2 stored in the storage device 502 causes the terminal device 500 to realize each function executed by the control unit 501.

Each embodiment of the present disclosure will be described as being realized by executing a program by a CPU such as a terminal device 500 and / or a server 100.

Further, the program of each embodiment of the present disclosure (for example, a software program, a computer program, or a program module) may be provided in a state of being stored in a storage medium readable by a computer. The storage medium can store the program of each embodiment in a "non-temporary tangible medium". Further, the program of each embodiment may be for realizing a part of the function of each embodiment of the present disclosure. Further, a so-called difference file (difference program) may be used, which can realize the functions of each embodiment of the present disclosure in combination with a program already recorded in the storage medium.

The server 100 and / or the terminal device 500 can read the program stored in the storage medium and execute the read program to realize the functions of the plurality of functional units shown in each embodiment.

Further, the program of the present disclosure may be provided to the server 100 and / or the terminal device 500 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. The server 100 and / or the terminal device 500 realizes the functions of the plurality of functional units shown in each embodiment by executing the program P downloaded via the Internet or the like, for example.

Each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission. At least a part of the processing in the server 100 and / or the terminal device 500 may be realized by one or more computers (for example, cloud computing composed of one or more computers).
=== Summary ===

The group insurance system 10 in the present embodiment acquires a user ID (user identification information) indicating information for identifying a user based on a user's operation input to the terminal device 500, and acquires an application server 100 (first processing device). A company showing information about a company associated with a unit 121 (first acquisition unit), a user ID (for example, an application user ID) (user identification information), and a user ID (for example, an application user ID) (user identification information). The user ID acquired by the acquisition unit 121 (for example, from the storage unit 210 of the pension server 200 (second processing device)) that stores information and information on the corporate-type defined contribution pension of employees belonging to the company. Acquisition unit 121 or acquisition unit 320 (second acquisition unit) that acquires company information corresponding to the application user ID) (user identification information), and acquisition unit 121 or acquisition unit 320 (second acquisition unit) based on the user's operation input. It includes an execution unit 120 that executes a process for the user to take out group insurance based on the company information acquired by the acquisition unit). According to this embodiment, since it is possible to automatically confirm that the user who contracts the group insurance belongs to the group corresponding to the group insurance and execute the insurance enrollment procedure, the contract office work of the group insurance at the agency or the insurance company. Can be improved.

Further, in the group insurance system 10 of the present embodiment, the execution unit 120 determines whether or not the company adopts group insurance based on the company information acquired by the acquisition unit 121 or the acquisition unit 320 (second acquisition unit). The determination information indicating the result of the determination is acquired, and the screen corresponding to the determination information is displayed on the display unit 505a of the terminal device 500. According to the present embodiment, it is possible to know whether or not the user has the right to take out group insurance by a simple operation, so that the convenience of the user can be improved.

Further, in the group insurance system 10 of the present embodiment, the execution unit 120 acquires information about an object for advancing the procedure for the user to take out group insurance based on the determination information. According to the present embodiment, the object displayed on the terminal device 500 allows the user to know whether or not he / she has the right to take out group insurance, so that the convenience of the user can be improved.

Further, in the group insurance system 10 of the present embodiment, the storage unit 210 stores the user ID (for example, the application user ID) (user identification information) in association with the company information, and the execution unit 120 indicates the company information. Acquire a web address or web page (web information) for a user to apply for group insurance corresponding to a company. According to the present embodiment, the company can provide the user with a web page for applying for group insurance corresponding to the company to which the user belongs by a simple operation starting from the application user ID, so that the convenience of the company can be improved.

Further, in the group insurance system 10 of the present embodiment, the storage unit 210 shows a user ID (for example, an application user ID) (user identification information), company information, and information about a financial institution corresponding to the company. The information is stored in association with each other, the acquisition unit 121 or the acquisition unit 320 (second acquisition unit) acquires the financial institution information corresponding to the company from the storage unit 210, and the execution unit 120 acquires the acquisition unit 121 or the acquisition unit. Acquires a web address or web page (web information) for a user to apply for group insurance, which corresponds to the financial institution indicated by the financial institution information acquired by the section 320 (second acquisition section). According to the present embodiment, the company and the financial institution can provide the user with a web page for applying for group insurance corresponding to the financial institution associated with the company to which the user belongs by a simple operation starting from the application user ID. It can improve the convenience of companies and financial institutions.

Further, in the group insurance system 10 of the present embodiment, the web address or web page (web information) for the user to apply for group insurance is the company information associated with the user ID (for example, application user ID) (user identification information). Based on the number of employees information indicating the number of employees of the company corresponding to the user identified from, the company determines whether or not the financial institution corresponding to the company can be a group insurance agency, depending on the result. Information to be identified. According to this embodiment, it is automatically determined whether or not a financial institution can take out group insurance as an agent based on the number of employees in the company, so that the convenience of users, companies, and financial institutions can be improved.

Further, in the group insurance system 10 of the present embodiment, the web address or web page (web information) for the user to apply for group insurance is the number of employees information and the acquisition unit 121 or the acquisition unit 320 (second acquisition unit). Based on the regional special information that indicates whether or not the financial institution is covered by the special regional financial institution, which is specified based on the acquired financial institution information, the company organizes the financial institution corresponding to the company. This information is specified according to the result of determining whether or not it can be an insurance agent. According to this embodiment, it is automatically determined whether or not a financial institution can take out group insurance as an agent based on the number of employees in the company and information on whether or not the financial institution is a special regional financial institution. Therefore, the convenience of users, companies, and financial institutions can be improved.

Further, in the group insurance system 10 of the present embodiment, the web address or web page (web information) for the user to apply for group insurance is the financial institution and the user indicated by the financial institution information based on the user's operation input. In relation to this, it is information specified according to the result of determining whether or not the financial institution is subject to the restrictions on solicitation. According to this embodiment, it is possible to improve the convenience of users and financial institutions because it is automatically determined whether or not a financial institution can take out group insurance as an agent based on the restrictions on recruitment restrictions.

Further, in the group insurance system 10 of the present embodiment, the application server 100 (first processing device) including the acquisition unit 121 (first acquisition unit, second acquisition unit) and the execution unit 120, and the pension server including the storage unit 210. The securities number is added to the 200 (second processing device) and the subscriber information (user subscription information) indicating the information regarding the subscription of the group insurance, which is generated by the user's operation input to the web page for the user to apply for the group insurance. In addition, a group insurance registration server 400 (third processing device) that generates subscriber card information related to the group contract is provided. According to this embodiment, since the subscriber card can be automatically generated based on the subscriber information, human error when creating the subscriber card, information leakage when mailing the subscriber card, etc., etc. You can reduce the risk.

Further, in the group insurance system 10 of the present embodiment, the pension server 200 (second processing device) manages information regarding the corporate-type defined contribution pension of employees belonging to the company. According to this embodiment, since the user can execute the procedure for enrolling in group insurance based on the information on the corporate-type defined contribution pension plan, the convenience of the user, the company, and the financial institution can be improved.

10 ... Group insurance system, 100 ... App server, 200 ... Pension server, 300 ... Group insurance application server, 400 ... Group insurance registration server, 500 ... Terminal device.

Claims (13)

A first acquisition unit of a first processing device that acquires user identification information indicating information for identifying the user based on a user's operation input to the terminal device.
From the storage unit of the second processing device that stores the user identification information and the company information indicating the information about the company associated with the user identification information, and manages the information about the employees belonging to the company, the first item. The second acquisition unit that acquires the company information corresponding to the user identification information acquired by the first acquisition unit, and the second acquisition unit.
An execution unit that executes a process for the user to take out group insurance based on the company information acquired by the second acquisition unit based on the operation input of the user.
Group insurance system with. The execution unit acquires determination information indicating the result of determining whether or not the company has adopted group insurance based on the company information acquired by the second acquisition unit, and uses the determination information as the determination information. The corresponding screen is displayed on the display unit of the terminal device.
The group insurance system according to claim 1. Based on the determination information, the execution unit acquires information about an object for the user to proceed with the procedure for taking out group insurance.
The group insurance system according to claim 2. The storage unit stores the user identification information in association with the company information.
The execution unit acquires web information for the user to apply for group insurance, which corresponds to the company indicated by the company information.
The group insurance system according to any one of claims 1 to 3. The storage unit stores the user identification information, the company information, and financial institution information indicating information about a financial institution corresponding to the company in association with each other.
The second acquisition unit acquires the financial institution information corresponding to the company from the storage unit, and obtains the financial institution information.
The execution unit acquires web information for the user to apply for group insurance, which corresponds to the financial institution indicated by the financial institution information acquired by the second acquisition unit.
The group insurance system according to any one of claims 1 to 3. The web information is based on the number of employees information indicating the number of employees of the company corresponding to the user, which is specified from the company information associated with the user identification information, and the company corresponds to the company. Is the information specified according to the result of determining whether or not the company can be a group insurance agency.
The group insurance system according to claim 5. The web information is an area indicating whether or not the financial institution is covered by the special regional financial institution, which is specified based on the employee number information and the financial institution information acquired by the second acquisition unit. It is information specified according to the result of determining whether or not the financial institution corresponding to the company can be used as a group insurance agent based on the special information.
The group insurance system according to claim 6. The web information is a result of determining whether or not the financial institution is subject to the solicitation restriction destination regulation in the relationship between the financial institution indicated by the financial institution information and the user based on the operation input of the user. Information that is specified according to
The group insurance system according to any one of claims 5 to 7. The screen corresponding to the determination information includes a screen for accepting prior consent from the user regarding the harmful effect prevention regulation when the financial institution corresponding to the company conducts a solicitation for group insurance.
The group insurance system according to claim 2. The first processing apparatus including the first acquisition unit, the second acquisition unit, and the execution unit.
The second processing device including the storage unit and
A securities number is attached to the user enrollment information indicating the information regarding the enrollment of the group insurance, which is generated by the operation input of the user on the web page for the user to apply for the group insurance, and the subscriber card for the group insurance. A third processing device that generates information,
The group insurance system according to any one of claims 1 to 9. The second processing device manages information on corporate-type defined contribution pensions for employees belonging to the company.
The group insurance system according to any one of claims 1 to 10. The computer
In the first processing device, acquisition of user identification information indicating information for identifying the user based on a user's operation input to the terminal device, and
The user is stored from a storage unit of a second processing device that stores information about an employee belonging to the company, which stores the user identification information and company information indicating information about a company associated with the user identification information. Acquiring the company information corresponding to the identification information and
To execute the process for the user to take out group insurance based on the company information based on the operation input of the user.
Information processing method to execute. On the computer
In the first processing device, acquisition of user identification information indicating information for identifying the user based on a user's operation input to the terminal device, and
The user is stored from a storage unit of a second processing device that stores information about an employee belonging to the company, which stores the user identification information and company information indicating information about a company associated with the user identification information. Acquiring the company information corresponding to the identification information and
To execute the process for the user to take out group insurance based on the company information based on the operation input of the user.
A program to execute.

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