JPH0365785A - Document issuing device for insurance contract or the like - Google Patents

Abstract

PURPOSE:To automatically issue various documents with an insurance contract in that site by inputting selection items concerning an insurance amount desired by the applicant of the contract and the purpose of the insurance. CONSTITUTION:When personal information, selection information and insurance fee are inputted from an input means 4, input data are displayed in a picture display device 3 and the data can be added and corrected. When the input is completed and an execution key is pushed, out of fixed items recorded to a set circuit in advance, the item corresponding to the input data is retrieved and the insurance amount corresponding to the insurance fee is calculated and outputted to the display device 3. When a contract sheet is inserted to an inserting port 5 after confirming these output data, the contents of the contract are printed and discharged from the inserting port 5. At such a time, an insurance card printing necessary item data is simultaneously discharged from a discharge port 7. Thus, the various documents with the insurance contract can be speedily issued by one time input work at the time of the contract.

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of Industrial Application) The present invention relates to a ticket issuing device for contract certificates and/or insurance cards in various types of insurance contracts, such as fire insurance contracts.

(Conventional Examples and Problems) Generally, in order to conclude a contract for insurance such as fire insurance, the policyholder first requests an insurance agent the amount of insurance he or she should receive, and the agent receives the request and first applies the insurance amount. The insurance premium corresponding to the insurance amount is calculated and presented to the policyholder by referring to various complicated calculation tables and comparison tables depending on the type, insurance regulations, insurance purpose conditions, etc., and the policyholder receives the insurance premium. A contract will be drawn up when the entire or first payment is received.

Next, the insurance company receives the contract data from the agent and issues an insurance card after completing the prescribed procedures.
Procedures are in place to ship and issue the certificate to the contractor.

(Problem to be Solved by the Invention) However, the contract procedure described above causes the following inconveniences.

First, because insurance premiums are calculated based on the insurance amount requested by the applicant, there is a risk that the insurance premium amount may be too heavy or too light compared to the applicant's expectations. , the insurance amount must be changed many times and complicated calculation procedures repeated until the applicant is satisfied.

Second, once a contract is concluded, the policyholder can receive the insurance policy certificate at that time, but cannot obtain the insurance card until it is issued by the insurance company.

In other words, it took a considerable number of days for a series of contract documents to be completed and delivered.

Third, it takes a lot of time and effort for agents to aggregate data on multiple insurance contracts that have been concluded and report it to the insurance company.

(Means for Solving the Problems) The present invention has been proposed to eliminate the above-mentioned drawbacks, and its purpose is to "record the power supply circuit and predetermined matters such as insurance regulations, premium rates, and types of insurance." input means for inputting personal information of policyholders and insureds, selection information regarding insurance premiums and insurance targets, and adding, modifying, calculating, and outputting input data, and inputting the above-mentioned default items. an arithmetic circuit for calculating an insurance amount by combining the data, an aggregation memory circuit for recording a plurality of insurance contract data, and an output means for displaying predetermined items, input data, calculation results, etc.; An insurance contract form with columns for writing the above-mentioned personal information, selection information, insurance premium and insurance amount, etc., an insurance card sheet having columns for writing the above-mentioned personal information, selection information, insurance premium and insurance amount, etc., and the above-mentioned tabulation paper. It consists of a tally sheet with columns for entering the data in the memory circuit, and a sheet for entering the above personal information, selection information, and insurance premiums.
This is achieved by the configuration of an "issuing device for insurance policy certificates, etc., which is characterized in that it is configured to calculate the insurance amount, etc. and immediately print and issue the insurance policy certificate and/or induran skirt." .

(Operation) After turning on the power to the ticket issuing device, enter the address and information of the policyholder (insured) necessary for the contract using an input means such as a keyboard.
The policyholder enters personal information such as name, the amount of insurance premium that the policyholder wishes to pay, as well as selection information regarding the start/end period of insurance, type, and object, such as property covered by fire insurance.

The input data is displayed on a screen display device such as a liquid crystal display (LCD).
), and data can be added and edited. When the input is completed and the execution key is pressed, the insurance corresponding to the entered data is searched from among the predetermined items such as insurance regulations, premium rates, and insurance types recorded in the setting circuit in advance, and the insurance corresponding to the insurance premium is selected. After calculating the amount, it is output to the screen display device.

After confirming the contract details in this output data, insert the contract certificate form into the insertion slot of the first printer. After the paper is automatically drawn in and the contract details are printed, it is sent back through the insertion slot. be discharged. At the same time, the second printer automatically pulls out one sheet of insurance card paper that has been stored in a stack in the stocker, prints out the necessary item data in the same way as a contract document, and then prints out the insurance card (hereinafter referred to as "insurance card"). , IC) is discharged from the outlet.

Thus, by one input operation at the time of signing a contract, an insurance contract certificate and an insurance card are issued at the same time and immediately delivered to the policyholder. In this case, the contract applicant:
The insurance amount is calculated by first inputting the insurance premium that can be borne by the insured, rather than knowing the insurance premium to be paid by vaguely requesting the insurance amount. Therefore, there is no waste in adjusting the insurance premium determination, which is the most confusing item among contract conditions because it is a freely selected item.

The data contents of the issued contract certificate are registered and recorded in the storage circuit for each item as total data, and are outputted as a total table to a screen display device and/or a printer as necessary. The total insurance premiums, total number of cases, etc. can also be outputted in the total table, and are used as a total report to the insurance company. Further, this tally data may be recorded on a storage medium such as a magnetic disk and used as a tally report to avoid re-input work and prevent transcription errors at the insurance company.

<Example> Next, the present invention will be explained in more detail according to an example shown in the drawings.

FIG. 1 shows a schematic perspective view of a ticket issuing device 1 according to the present invention, and 2 is a main body housing, inside of which is an electronic circuit including an arithmetic device, which will be described later, and first and second printers. , its drive motor, IC stocker, and other mechanisms are housed therein. Reference numeral 3 denotes an LCD type display device disposed on the upper part of the housing 2, 4 a keyboard for inputting data and commands, 5 a paper insertion slot connected to the first printer, and 6 a paper insertion slot 5. 7 is an IC ejection port connected to the second printer; 8 is an ejection table formed in front of the IC ejection port 7; Some are used.

Reference numeral 9 represents a supply port cover of the IC stocker, 10 represents a switch key for power supply, and 11 represents a cooling air outlet. Although the IC stocker is not shown, it has a cylindrical storage frame in which ICs can be stacked and refilled from above, and ICs are fed out one by one in a substantially horizontal direction from the bottom of the storage frame in response to a predetermined control signal. A device having a known feeding mechanism may be used.

Figure 2.3.4 shows the form 12 of the contract deed.
, an IC format sheet 13, and a tally sheet format sheet 14, respectively. Therefore, each paper 1
2.13.14 includes columns for the type of insurance, purpose of insurance, start/end period, and other selection items as contract matters for fire insurance, and columns for personal data such as the name and address of the policyholder/insured. In addition to amount columns such as the insurance amount and insurance premium columns, bibliographic data columns such as the contract number column, contract date, insurance company name, and agency columns are laid out in combinations depending on the issuing format.

FIG. 5 shows a block diagram of the electronic/electrical circuitry in this device. 15 is a main processing circuit (CPU), te
15 is a power supply circuit for each electronic/electrical device in the guide device, 17 is a memory circuit for registering and recording contract data, and 18 is a storage circuit for recording various insurance regulations and predetermined matters such as types of insurance. Setting circuit, 19 is keyboard 4 and C
A keyboard controller interposed between the PU15,
20 is an LCD controller interposed between the LCD display device 3 and the CPU 15; Reference numeral 21 denotes an I10 boat, which receives input signals from various sensor groups 22 and IC remaining amount detection switch 23 and outputs them to CPU 15, and also receives signals from the calculation results and outputs them to printer head drive motor 2.
4. Output signals for driving and controlling the contract paper transport motor 25, the IC transport motor 26, the print ribbon feed motor 27, the first printer 28, and the second printer 29 at predetermined timings.

Note that the default item data in the setting circuit 18 may be rewritten in the modification mode, but in order to facilitate changes and additions to insurance regulations, premium rate ranks, etc., a ROM package method is adopted so that data cannot be rewritten from outside. It is desirable to be able to switch between new default data and its system program with a single touch by replacing the package.

If there is an application for a new contract, the system is set to the insurance policy and IC issuing mode, and the personal data and selection data are entered from the keyboard according to the input items displayed on the LCD. At this time, the major feature of this device is that the insurance premium is a free amount, so when the applicant inputs the desired amount, the insurance premium will be calculated based on the selected items such as rate class, building structure, and total area. This is where the insurance amount or payment limit for tenant compensation and personal compensation is automatically calculated and displayed according to the input insurance premium amount. Moreover, after confirming the displayed contents and pressing the execution key, simply slide the policy certificate format paper 12 from the paper table 6 into the insertion slot 5, and the insurance policy certificate will be printed and ejected into the insertion slot again. At the same time, the housing 2
Similar data is printed on the IC format paper 13 inside, and is ejected from the IC ejection port 7 onto the eject table 8.

In this way, the contract certificate and insurance card are printed and issued immediately upon conclusion of the contract, so all documents necessary for the insurance contract can be delivered to the policyholder on the spot.

Therefore, unlike in the past, there is no error in the ``required insurance premium'' calculated from the vague desired amount of insurance proceeds received and the ``desired payment amount'', so there is no need to repeat unnecessary simulations, and contracts can be concluded quickly. It is possible to complete the procedure.

Further, when a writing loss occurs after that with respect to the contract completed on -1, the user presses the command key on the keyboard 4 to switch to the writing loss processing mode and process the contract. That is, by inputting the contract certificate number to be processed for write-off, its start date, and insurance premium from the keyboard 4, and confirming that there are no errors in the recorded contents called up and displayed on the LCD 3, press the execution key. The contract certificate data is written into the total data storage circuit as a written loss. At this time, the insurance premium of the written loss data is accumulated as a negative class in the cumulative insurance premium.

Furthermore, in order for the agent to aggregate and report the contract data to the insurance company, the agent must press the command key to switch the device to the summary sheet issuing mode, and then slide the summary sheet format paper 14 from the paper tray 6 into the insertion slot 5. insert. With just this operation, the necessary items are printed in the form of a summary sheet in the same manner as printing the insurance policy certificate, and the information is ejected back into the insertion slot.

Effects> According to the present invention, the contract applicant can simply enter selections regarding the insurance premium amount and insurance purpose desired by the contract applicant.
Various documents associated with insurance contracts can be issued automatically and on the spot, and calculations and document output necessary for tabulation management can also be easily performed.

Therefore, especially when a tenant desires a fire insurance contract in conjunction with a real estate rental contract, if the real estate broker also serves as an insurance agent and is equipped with this device, the tenant can make choices regarding the insurance premium amount and purpose of the insurance. Just enter the details,
Contract procedures can be completed easily and quickly,
It is extremely useful. Furthermore, insurance companies have the advantage of not only being able to omit the work of issuing and sending certificates, etc., but also being able to efficiently and accurately process the work of aggregating insurance premiums and the like.

Although the above embodiment shows a case where the ticket issuing device is used as a terminal for an agent in a fire insurance contract, the ticket issuing device is not limited to this and can be used as a terminal device for an agent in other non-life insurance contracts or even a life insurance contract. Of course, by using it, the same effects as above can be obtained.

[Brief explanation of drawings]

The drawings show an embodiment of the ticket issuing device according to the present invention. FIG. 1 is a schematic perspective view showing the configuration of the device, FIG. 2 is a plan view showing format paper for a contract certificate, and FIG. 3 is a diagram showing IC format paper. 4 is a plan view showing a summary sheet format sheet, and FIG. 5 is a block circuit diagram showing a control circuit. (１１・・・・・・ (2) ・・・・・・ (3) ・・・・・・ (4) ・・・・・・ (5) ・・・・・・ (6) ・・・・・・ (7) ・・・・・・ (12)・・・・・・ (13)・・・・・・ (14)・・・・・・ (15)・・・・・・ (16 )・・・・・・ (17)・・・・・・ (18)・・・・・・ Ticket issuing device, housing, LCD display device, keyboard, paper insertion slot, paper tray, IC ejection port, contract certificate Format paper, IC format paper, summary table format paper, main processing circuit, power supply circuit, memory circuit, setting circuit, (21)... I10 boat, (28)... First printer , (29)... Second printer.

Claims (1)

[Claims] A power supply circuit, a setting circuit that records predetermined matters such as insurance regulations, premium rates, and types of insurance, and input of personal information of policyholders and insured persons, selection information regarding insurance premiums and insurance targets, as well as adding and correcting input data,
an input means for performing calculations and outputs, an arithmetic circuit for calculating an insurance amount by combining the above predetermined items and input data, a storage circuit for aggregation for recording a plurality of insurance contract data, and a predetermined value. An output means for displaying matters, input data, calculation results, etc., an insurance contract form having fields for entering the personal information, selection information, insurance premium, insurance amount, etc., and the personal information, selection information, insurance premium, etc. and an insurance card form with fields for entering the insurance amount, etc., and a tally sheet having fields for entering the data in the above-mentioned tallying memory circuit, and input and execute the above-mentioned personal information, selection information, and insurance premiums. 1. A ticket issuing device for insurance policy certificates, etc., characterized in that it is provided so that the insurance policy certificate and/or insurance card can be printed and issued immediately after calculating the insurance amount, etc.