JP2001167160A - Contract supporting system and contract application terminal and contract reception server used in the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problem that the amount of paper used from contract estimation to contract establishment is huge in the conventional insurance job of life insurance or the like. SOLUTION: In this contract supporting system, contract information is prepared by electronic information by using a dedicated contract application terminal 1 and a contract is established by using it.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a contract support system and a contract application terminal and a contract receiving server which are used when a recruiter makes a contract with a contract applicant to make various kinds of work more efficient. In particular, the business flow from application for contracts for life insurance to the issuance of contracts such as insurance policies has been completely renewed, and various documents generated in these operations have been digitized. The present invention relates to a contract support system for improving efficiency, and a contract application terminal and a contract reception server used for the system.

[0002]

2. Description of the Related Art A conventional business flow from application for a contract to issuance of a contract certificate will be described by taking a life insurance business as an example.

[0003] Each recruitment manager, such as a sales lady of an insurance company, a financial planner, and a recruiter of an agency, brings a large number of materials according to the type and classification of insurance, interviews the applicant for the contract, and applies for the applicant. And make a design document or quote at the insurance company's branch or agency that is deemed optimal for the contract applicant based on the request. At this time, the income of the contract applicant, the amount paid for the insurance premium, the family structure, the funding target for retirement, and the like are considered.
The person in charge of recruitment brings this quote etc. to the contract applicant, and if the contract applicant is convinced, the contract applicant includes information such as the address, name, date of birth, etc. of the contractor / insured person Fill out the form, describe your occupation, health condition, consultation to the hospital, etc. in the notification, and finally seal these documents. The recruiter will review the contents of this document and enter the agency number,
Fill out the agency name, recruiter number, insurance premium and other items and take it back to the branch or agency. In practice, there are few cases where a contract is applied for in one interview, and the contents of the contract are often changed by repeating the interview. Therefore, the work of bringing this quotation etc. is performed several times, each time It is necessary to create and present a new quotation that seems to be optimal. Further, when subscribing to a plurality of insurance contracts, even if the contracts are made simultaneously, the contract applicant needs to repeat the writing operation and the like for each contract application form.

[0004] In the case of a recruitment representative of each agency, the recruitment representative classifies the contract application form brought back by type of insurance, and manually creates a contract application list at regular intervals to create a list of contract applications at a branch office or the like. Bring and submit. At this time, there is also a task of separating the agency copy from each contract application form.

[0005] In a branch office or the like, if a contract application form and various documents are attached, the contents of the contract application including those are checked (confirmed), and a security number sticker prepared in advance is applied to the contract application form. Stick it on the book. If any deficiencies are found in the above check, the contract application form is returned to the agency, and the recruitment staff meets with the contract applicant again and corrects the description using the contract applicant's seal. Will be. The contract application form with the security number sticker is sent to the contract department of the head office and is finally examined. This examination relates to, for example, whether or not the contract applicant has already contracted up to the contractable limit. As for the underwriting, securities for which the first payment of the insurance premium is confirmed are sequentially issued and sent to the contract applicant.

[0006]

Since the flow of the conventional contract business is basically as described above, there are the following problems.

First, all recruiters, agents, and branches work on the basis of a contract application, that is, the work in each stage is sequentially performed by actually moving the contract application. This is performed, and it is not possible to increase the efficiency of business processing from application for a contract to issuance of a contract certificate beyond the time when the contract application can be physically moved.

Secondly, almost all life insurance contracts require, in addition to the contract application form, an attached document such as a medical certificate, a copy of the first insurance receipt, and a fund transfer request form.
A contract cannot be concluded without all of them. In addition, these documents are often sent from contract applicants to agencies etc. separately from contract application forms,
Unless an agency or a branch decides on which contract each document is for and makes a match, examination or the like cannot be performed based on this.

Third, if there is a defect in the contract application form or the like, even if it is a minor defect, it is necessary to return to the recruitment officer and request the contract applicant to make corrections. The increase in the work load caused by having a re-interview is very large.

[0010] Fourth, since a contract application generally requires a large number of items to be described on a limited space, the items must be enumerated in small unreadable characters. It was going to put a heavy burden.

In addition to this, for example, even if a contract applicant applies for a plurality of contracts at the same time, a contract application form must be entered from the beginning for each contract, which is cumbersome. Unless there is a problem, there are problems such as being unable to apply for a contract, and having to wait for a long time after actually applying for a contract until the securities are actually issued.

[0012] Recruiters and agents are required to have a solid knowledge of all the insurances they deal with, have to bring a large amount of almost all insurance documents every time they meet a contract applicant, When accepting, you must visually check each handwritten contract application one by one, or if you find out later that there is a defect, contact the contract applicant again even if it is minor. There were issues such as the need to arrange for corrections, and the necessity of separately managing contract requests that were not sent to the branch office due to inadequacy.

At a branch or head office, a contract request that has not been issued due to insufficiency must be separately managed, the contents of the contract must be typed in order to examine the contract, and insurance must be provided. When issuing securities, it is necessary to take in the notice information described in the contract application form etc. as an image in order to publish the notice information etc., and a huge amount of work such as checking work accompanying it occurs There was a problem such as doing. In addition, there is another problem that after the contract is concluded, the original documents of the contract application form must be kept as it is. In addition, when launching new products, it is necessary to educate each agency and recruitment staff, including how to calculate insurance premiums, and to print new contract applications and brochures. There were challenges.

Japanese Patent Application No. Hei 6-31275 discloses that
A technology for improving the efficiency of the work accompanying these contracts is disclosed. For example, at the time of contract renewal for a contractee, predetermined matters are described in advance in a renewal contract application form based on information on the contract, and then the contract applicant is interviewed. However, according to the technology disclosed in this gazette, the flow of business from application of a contract to issuance of a contract certificate remains the same, and some of the partial incidental operations are separately and efficiently performed. Certainly, some contract work can be made more efficient, but it does not improve the efficiency of the whole work.

[0015] In recent years, it has become possible to accept insurance applications via the Internet, but since it is not possible to check the health status through interviews, the types and amounts of insurance contracts that can be handled are limited, and insurance is widely accepted. It is not intended to improve the efficiency of contract business in general.

The present invention has been made to solve the above-mentioned various problems, and has renewed the flow of business from applying for a policy such as life insurance to issuing a policy certificate such as an insurance policy. It is an object of the present invention to obtain a contract support system that makes contract work more efficient by digitizing various kinds of generated documents, and a contract application terminal and a contract reception server used for the contract support system.

[0017]

A contract support system according to the present invention is provided to each recruitment clerk, and provides contract application contents directly input by a contract applicant and information for certifying the intention of the contract applicant to apply. A contract application terminal that stores both in the form of image data mapped to a state that can be visually recognized by a person and transmits this image data after confirming the contract applicant, and an image storage device that stores and stores the image data It is provided.

In the contract support system according to the present invention, the contents of a contract application directly input by a contract applicant and information proving the intention of the contract applicant are given to each recruiting person, and are encoded as contract application information. The data format and the contract application information are stored in the form of image data that is mapped to a human-visible state, and the code data and image data are transmitted as a set after confirming the contract applicant with the image data. A contract application terminal for creating and outputting an attached document list corresponding to the contract application information, an attached document information input terminal for inputting information relating to the documents listed in the attached document list, the code data and Image data is received as a set from the mobile terminal, and a unique reception number is assigned to each set. When information on the documents listed in the attached document list is input from the attached document information input terminal, the contract receiving server for outputting the code data and image data of the reception number related to the input, and A contract certificate issuing computer that issues a contract certificate in which the reception number is described based on the code data output from the reception server; and an image storage device that accumulates and stores the image data output from the contract reception server together with the reception number. It is provided with.

A contract application terminal according to the present invention is provided with activation control means for permitting activation of only a specific person, and is executed when activated by the activation control means. An input support means for inputting the contents of the contract application by repeating the above, etc., and the contract applicant can identify the contract applicant and the information that can be visually recognized when handling it as image data by the contract applicant as contract applicant identification information An input means for inputting, and a contract content check means for checking for deficiencies in the above contract application contents, creating and outputting a list of necessary attached documents,
Image data generating means for generating image data in which the information is mapped to a state in which the information can be visually recognized based on the contract application content and contract applicant identification information, and code data and the image data of the contract application content as a set. Storage means for storing, confirmation means for displaying the image data checked by the contract content checking means to confirm the contract contents, and code data and image data after the contract contents confirmation as a set Communication means for transmitting.

[0020] A contract receiving server according to the present invention comprises a communication means for receiving code data and image data transmitted from a contract application terminal, and a unique code data and image data received by the communication means for each set. Storage means for assigning and storing a reception number, and output for outputting the reception number, code data and image data relating to the input information after the information of the attached document relating to each contract is inputted from the attached document information input terminal Means.

[0021]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below. Embodiment 1 FIG. FIG. 1 is a system configuration diagram showing a contract support system for a life insurance business according to a first embodiment of the present invention. In the figure, reference numeral 1 denotes a contract application terminal which each recruiting person brings when meeting with a contract applicant, and 2 denotes a contract which is installed in the head office and has a reception database 2a and can perform data communication with the contract application terminal 1. The reception server 3 includes a contract database 3a and a contract reception server 2
4 is a host computer (insurance policy issuing computer) that performs insurance policy issuance processing based on data output from the optical disk, 4 is an optical disk type image storage device that accumulates and stores data output from the contract receiving server 2, 5 is insurance Attached document information input terminal 6 for inputting data related to various attached documents required for the contract, and 6 is used to exchange the contract receiving server 2, host computer 3, image storage device 4, and attached document information input terminal 5 for data exchange. , And 7 and 8 are the respective networks 6
Is an information terminal connected to. 9 is the attached document, 10
Is the above insurance policy.

Further, in the figure, in order to help the understanding of the contract support system, each organization in the life insurance business is illustrated in association with each component of the contract support system (an example). In the figure, 11 is a contract applicant, 12
Is a recruiting person (recruiting person) who directly interviews the contract applicant 11 and checks the contents of the contract application, 13 is an agency or branch office to which the recruiting person 12 belongs, 14 is an agency or A head office 15 for managing the branch offices, an electronic contract reception group 15 is organized in the head office 14, receives various attached documents brought in through the agency or the branch 13 and inputs them to the attached document information input terminal 5, and 16 is a contract. A contract department for finally examining the contents, and a medical department 17 for finally examining the contents of the notification, the medical certificate, and the like. If it is determined that both the medical affairs department 17 and the contract department 16 accept the contract, the information terminal 7 or 8 is used to issue an instruction for issuing a security to the host computer 3. Also,
The host computer 3 issues a contract acceptance status table as appropriate.

Next, a life insurance contract method using this contract support system will be described. FIG. 2 is a contract processing flowchart showing the flow of the entire business from application of a life insurance contract to issuance of a security using this contract support system. In the figure, the work of each of the above-mentioned organizations is classified horizontally, and the processing proceeds in order from the top of the paper to the bottom.

As shown in the figure, prior to an interview with the contract applicant 11, the recruiter 12 first dials up the contract application terminal 1 to the contract receiving server 2, and the contract The information about the contract status of the contract applicant stored in the database 3a in advance is downloaded. At the same time, if the product information or the application program in the contract application terminal 1 is old, its version is checked, and the latest life insurance product information prepared in advance is also downloaded. At this time, the contract receiving server 2 checks the telephone number, the terminal ID (identification number), the user (recruiting person) ID, and the password, and permits the connection if these are appropriate (ST1). The life insurance product information includes information on all life insurance products, for example, a promotion program necessary for selling the product, a database for calculating a contract amount for each product, and the like.

When the download is completed, the recruitment staff 1
2 brings the contract application terminal 1 and conducts an interview with the contract applicant 11 (ST2). As will be described in detail later, when the contract applicant 11 completes the electronic contract related to life insurance by activating an electronic contract application processing program or the like in the contract application terminal 5, text code data including the contract application contents and Image data of this image is stored in an encrypted state on the hard disk,
Also, the recruitment clerk 12 prints and outputs the application copy and passes it to the contract applicant 11 (ST3).

After the interview, the recruiter 12 dials up the contract application terminal 1 to the contract receiving server 2 and uploads the text code data and the image data to the server 2. At this time, the contract receiving server 2 checks the telephone number, the terminal ID, the user (recruiter) ID, and the password as in the case of the download, and permits the connection if these are appropriate (ST4).
Upon receipt of the text code data and the image data, the contract receiving server 2 assigns and assigns a unique security number to the text code data and the image data so that the data can be accessed using the security number. It is stored in the reception database 2a. These data are backed up, and the image data is stored in the image storage device 4 while being managed under the same security number. At the same time, this security number is returned to the contract application terminal 1, and the application terminal 1 stores and holds the security number as a reception number of the contract application. The contract receiving server 2 performs a predetermined batch process at regular intervals (ST
5).

After that, the recruiting person 12 prepares a document, such as a fund transfer request form, deposited from the contract applicant 11, a receipt of the first insurance premium appropriation receipt, a remittance statement, and examination documents (health management certificate, various Attachments necessary for the contract, such as a medical certificate, an electrocardiogram, an interview report, and a medical certificate, are sent to the electronic contract reception group 15 of the head office 14 via the agency or the branch 13. When receiving the attached document, the electronic contract reception group 15 registers necessary items (confirmation, registration instruction, etc.) of the document in the reception database 2a using the attached document information input terminal 5, and the required document is It is sent to the contract section 16 and the medical affairs section 17 (ST6).

The host computer 3 accesses the reception database 2a at predetermined intervals by batch processing, and registers text code data of a new contract number that does not require an attached document and necessary items of the attached document. Automatically acquires the text code data of the new contract number and registers it in the contract database 3a (ST
7).

After the examination by the contracting unit 16 and the medical affairs unit 17 is completed, the issuing instruction of the securities is registered in the contract database 3a, and the first confirmation of the account transfer is registered in the contract database 3a. Is issued, the host computer 3 issues (prints) securities or the like in the batch processing. At this time, if there is image data such as notification information to be captured in the security, a notification image that has been cut out in advance when the image data is stored in the image storage device 4 is printed on the security. The above security number is printed together with the contract contents. This security is transferred from the contract department 16 to the contract applicant 11
(ST8).

In the above-mentioned contract support system for the life insurance business, securities 10, an underwriting status table, various attached documents 9, an application copy printed in response to a request of a contract applicant, and the like are created as documents. In addition, since the application contents of the electronic contract are transmitted directly to the head office 14 by communication and are used for the examination at the head office 14 as they are, the lead time from the sending of the documents to the examination can be significantly reduced. Further, at the end of the interview, a security number is issued, and this is immediately notified to the recruitment staff 12 through the contract application terminal 1, so that the unified number can be shared throughout the company at the time of contract conclusion. The efficiency of processing and the like is greatly improved.

Next, the contract application terminal 1 will be described. FIG. 3 is a terminal configuration diagram showing a configuration example of the contract application terminal 1 used in the first embodiment. In the figure,
Reference numeral 18 denotes a portable computer provided with a display unit capable of inputting with a pen, a keyboard, a PC card slot, an infrared communication port, and a mobile phone connection connector; 19, a mobile phone connected to the mobile phone connection connector by a mobile phone connection cable; A printer 21 that communicates with the infrared communication port and prints received data is a fingerprint recognition card 21 that is inserted into the PC card slot and recognizes a fingerprint of a fingertip. Note that the portable computer 18
The display unit is attached to the keyboard so that it can be rotated 180 degrees or more so that it can be easily used in an interview contract. There is a hand-prevention function to prevent input.

FIG. 4 is a list of programs stored on the hard disk of the portable computer 18 shown in FIG. In the figure, 22 is a fingerprint recognition card 2
A fingerprint authentication program (activation control means) for determining whether or not the fingerprint input from 1 is the fingerprint of the recruiter 12 already registered, 23 uses the mobile phone 19 to host via the contract acceptance server 2 Access computer 3
A host online inquiry program for performing various inquiries such as a list of existing contracts of the contract applicant 11, a life simulation program 24 for creating a life plan according to the data of the contract applicant 11 when inputting data of the contract applicant 11, and a life simulation program 24 for Simple analysis program that can analyze life plan with simpler survey, 2
Reference numeral 6 denotes a pre-application processing program for performing predetermined pre-processing before receiving a contract from the contract applicant 11, reference numeral 27 denotes an insurance premium inquiry program for performing insurance premium inquiry processing, and reference numeral 28 is used when the contract applicant 11 makes an application. , And finally the contract applicant 1
Application processing program for generating text code data and image data to be the first insurance contract (input support means,
Input means, contract content checking means, image data generating means, confirmation means), 29 is a communication management program (communication means) for managing a communication log or the like using the mobile phone 19;
0 is a file management program that manages the text code data and image data stored on the hard disk (storage means) and checks the validity period (for example, 3 days), and 31 is a proxy to which the recruiter 12 belongs An agency information input program 32 used when inputting information on the store 13 is a screen control program for controlling various screens. These programs 22,.
, 32 are set so as to have an expiration date set, and are programmed so as to require access to the contract reception server 2 within the expiration date to extend the period. When such an access is made, the contract receiving server 2 checks the expiration date and version of the program, and issues a period extension instruction or a version upgrade instruction accordingly.
,..., 32 can be reliably managed on the head office 14 side.

FIG. 5 is an interview processing flowchart for explaining an example of an interview processing procedure using the contract application terminal 1. FIG. 2 shows an example of use after the portable computer 18 is started. When the portable computer 18 is started, first, the portable computer 18 is turned on with the mobile phone 19 and the fingerprint recognition card 21 connected. At this time, the fingerprint authentication program 22
Is activated, and a fingerprint input from the fingerprint recognition card 21 is requested. Then, the fingerprint authentication program 22 compares the input fingerprint with the fingerprint of the recruiter 12 registered in advance, and continues the activation process only when it is determined that they match. If it is determined that they do not match, the activation is terminated.

In the figure, ST 9 activates the host online inquiry program 23, accesses the host computer 3 via the contract receiving server 2 using the mobile phone 19, and executes various processes such as the list of contract applicants 11 who have already contracted. This is an online inquiry step for performing inquiry processing. ST10 activates the life simulation program 24 and the simple analysis program 25, inputs data of the contract applicant 11, and generates a life plan corresponding to the contract applicant 11, and a life analysis step. ST11 is based on this life plan. This is a plan screen output step for displaying or printing out the design document on the display unit.

ST12 is a pre-application processing program 2.
6 is a pre-processing step for performing pre-processing before the insurance contract, ST13 is an electronic contract agreement confirmation step performed when the application processing program 28 is started, ST14 is a contract content of the contract applicant 11 in the application processing program 28, In a contract content input step of inputting contract content such as security content and address name, ST15 is a process in which the contract applicant 11 selects or fills in notification information in the application processing program 28, and generates image data generated based on these input information. A contract application input step of self-signing by pen input in order to display and confirm the information on the display unit and further clearly indicate the intention of the contract.
Enter the official certificate information such as your license number, passport number, health insurance card number, etc.
Recruiter input step to make the signature of 2 self-signed, ST
Reference numeral 17 denotes a contract application content confirmation step for printing the image data by a printer, and ST18 denotes an application processing program 2.
Step ST19 is a step of issuing a payment receipt when the first insurance premium is collected, and ST20 is an upload step of starting the communication management program 29 and uploading the image data and text code data. is there. The pre-application processing program 26, the insurance premium inquiry program 27, the communication management program 29, the file management program 30,
Agency information input program 31, screen control program 3
2 are called from the top screen of the application processing program 28 to be called and executed.

FIG. 6 is an explanatory diagram showing a procedure for generating text code data and image data generated by the processing of the application processing program and uploaded thereafter. In the figure, reference numeral 33 denotes a menu screen displayed when the application processing program 28 is started, and 34 denotes various contract information input screens displayed at the time of inputting notification information in the contract content input step ST14 and the contract application input step ST15, respectively. is there. Then, the information input here is temporarily stored on the hard disk. The copy 35 of the input information is stored in the printer 20.
Can be printed from 36 is a contract application input step ST15
4 is a signature input screen displayed at the time of signature. When this signature is made, the contract application information temporarily stored on the hard disk is locked so that it cannot be changed or deleted, and this becomes the application content text code data 37. At the same time, contract content image data 38 in which the contract content and the signature of the contract applicant 11 are integrally inseparable is generated, and notification content image data 39 in which the notification information and the signature are inseparable images are generated. Is done. This copy 40 can also be output by the printer 20.

In addition, reference numeral 41 denotes a recruitment person input step ST.
16 is a recruitment person information input screen displayed in 16. The information input on this screen is generated as recruiting person information text code data 42, and is stored as an encrypted file together with the application content text code data 37 on the hard disk 43 in an encrypted state. . This is the file that stores the text code data to be uploaded. At the same time, the data input on this screen is additionally inserted into the contract content image data 38, and the uploaded contract content image data 44 is generated. The contract content image data 44 to be uploaded is also stored in the hard disk 43 in an encrypted state together with the notification content image data 39. 45 is an end screen.

Next, examples of various display screens (input screens) displayed on the display unit in the contract processing will be described. FIG.
Is an example of a menu screen displayed when the application processing program 28 is started. In the figure, 46 is an application check button for starting the application pre-processing program 26 and the like,
47 is an insurance application button for activating the main body of the application processing program 28, and 48 is an agency information input program 31.
An AS information registration button for activating the communication management program 29; a data transmission button 49 for activating the communication management program 29;
Reference numeral 0 denotes an immediate transfer inquiry button for transferring text code data and image data that have just been input without closing the menu, 51 denotes a list print button for printing a list of contract applications registered on the hard disk, and 52 Is a processing status inquiry button for activating the communication management program 29 and inquiring the processing status of the contract already transferred to the head office 14, and 53 is a button for ending the menu screen (that is, ending the application processing program 28). When one of these buttons is selected with a touch pen or with a keyboard, the above-described various programs are activated and a desired operation can be performed. In the following, various buttons and check boxes can be selected with a touch pen or with a keyboard.

FIG. 8 is an example of a display screen displayed when selecting and checking the family structure of the contract applicant 11 and the insured person in the current contract in the pre-application processing program 26 (pre-processing step ST12). . In the figure, 54
Is the input field for the names of all the household members, including the insured.
5 is an input field for each name's furigana, 56 is an input field for the relationship of each person in the household, 57 is a gender selection field, 58 is an input field for date of birth, 59 is a display field for the presence or absence of registration, and 60 is an entry field for registration. A display field for displaying the presence or absence of a contract application, 61 is an existing contract status display field for displaying whether or not the processing of the contract application is completed, 62 is an input field of the address of the household, and 63 is a return to the menu screen. An end button 64 is a case list display button for displaying a list of contract application cases applied in this procedure.

FIG. 9 is an example of a display screen for displaying the result of checking the contract application contents by the pre-application processing program 26 of FIG. In the figure, 65 is a display section of the name of the contract applicant 11, 66 is a display section of the insured person, 67 is a display section of the total amount of the first premium, 68 is a display section of a list of the necessary attached documents 9, 69 is a confirmation button, 70 is a cancel button.

FIG. 10 is an example of a display screen displayed first when the insurance application button 47 is clicked. In the figure, 71 is a consent confirmation text display field for displaying the consent confirmation text of the electronic contract, 72 is a scroll bar for scrolling the consent confirmation text displayed in the consent confirmation text display field 71, 73 is the consent button, and 74 is the non-consent button. An agreement button 75 is an end button for returning to the menu screen. In this screen, if the scroll bar 72 does not scroll to the end of the agreement confirmation text, the agreement button 73 is displayed.
Cannot be selected.

FIG. 11 is an example of a display screen displayed when the address and name of the contract applicant 11 are input in the contract content input step ST14. In the figure, 76 is an input field for an application date, 77 is an input field for the name of the contract applicant 11, 78 is an input field for the phonetic name, 79 is an input field for the date of birth, 8
0 is a gender input field, 81 is a postal code input field, 82 is an address input field, 83 is an address phonetic input field, 84 is a telephone number input field, 85 is a work telephone number input field, 86
Is an end button for returning to the menu screen, 87 is a return button for returning to the previous screen, and 88 is a forward button for proceeding to the next screen. In this screen, the forward button 88 cannot be selected unless at least all the fields other than the input field of the office telephone number are entered.

FIG. 12 is an example of a display screen displayed when notification information is input in the contract application input step ST15. In the figure, reference numeral 89 denotes an insurance type display column for displaying the type of insurance related to the contract application, 90 denotes a notification date display column,
Reference numeral 91 denotes a work input field for inputting the work place and occupation of the insured person related to the notification, 92 denotes a job input field for inputting the job type, 93 denotes a notification input field for displaying and selecting the contents of the notification, and 94 denotes a notification input field. A scroll bar for scrolling the display in 93, a medical history entry column 95 for inputting a past medical history, etc., 96
Is a scroll bar for scrolling the display in the medical history entry field 95, 97 is an end button for returning to the menu screen,
98 is a return button for returning to the previous screen, 99 is 1
A forward button for proceeding to the next screen. Then, on this screen, the screen is displayed in a state where neither “Yes” nor “No” is selected for all the items in the notification input column 93, and “Yes” or “Yes” is displayed for all the items in the notification input column 93. It is set so that the button 99 for proceeding to the next screen cannot be clicked unless "No" is selected and a predetermined medical history or the like is entered in the medical history entry field 95 as necessary.

FIG. 13 is an example of a display screen displayed when confirming the application content based on the image data in the contract application input step ST15. In the figure, 100
Is an insurance type display column for displaying the type of insurance pertaining to the contract application, 101 is a display column for the name of the contract applicant 11, 102 is a display column for the image data, and 103 is an image data in the display column 102. A scroll bar for scrolling, 104 is a print button for printing the image data, 105 is a magnification setting field for setting a display magnification (enlargement, reduction magnification) of the image data, and 106 is 1
A return button for returning to the previous screen, a forward button 107 for proceeding to the next screen, and an end button 108 for returning to the menu screen. By changing the value displayed in the magnification setting column 105, the display magnification of the image data in the image data display column 102 can be changed. Confirmation can be performed.

FIG. 14 shows an example of a display screen displayed when contract applicant 11 signs his / her own sign by pen input in contract application input step ST15. In the figure, reference numeral 109 denotes an insurance type display column that displays the type of insurance related to the contract application 11, 110 denotes a pledge text display column that displays a pledge text related to the contract, 111 denotes a scroll bar that scrolls the pledge text display column 110, 112 is the contract applicant 11
A contractor's signature input field in which the signature of his / her own signature is input with a pen; 113, an insured person's signature input field in which a signature of the spouse's own signature is input with a pen during a family contract; 114, an agree button; 115, a disagree button; Reference numeral 116 denotes an end button for returning to the menu screen. When signing these signature input fields 112 and 113, if the size of the field is such that the resolution required for font recognition cannot be obtained, click the signature input fields 112 and 113 to separately sign. An input-only screen may be displayed. Then, on the screen, the consent button 114 cannot be selected unless the scroll bar 111 scrolls to the end of the written statement. When the consent button 114 is clicked and the signature is appropriately entered in the respective columns 112 and 113, the text code data relating to the contract application is locked, and image data to be uploaded is generated.

FIG. 15 shows a recruiter input step ST16.
5 is an example of a display screen displayed when confirming the contents of an application and inputting information of a public certificate of the contract applicant 11. In the figure, 117 is an insurance type display column for displaying the type of insurance related to the contract application, and 118 is the contract applicant 1
1 is a display field for the name of the person, 119 is a display field for the name of the insured person,
Reference numeral 120 denotes a display column for the expected contract date, 121 denotes a group of display columns for agency information, 122 denotes a group of display columns for group information, 123 denotes a group of input columns for attached document information, and 124 denotes a method for confirming the contract applicant. A group of input columns for identification information, 125 is a sign display column for inputting and displaying a signature of the recruiter 12 by his / her signature, 126 is a group of business information display columns for displaying the business information of the contract applicant 11, and 127 is An end button for returning to the menu screen, 128 is a copy print button, and 129 is a confirmation button. Then, on this screen, the confirmation button 129 cannot be selected unless a predetermined input is made at least in the input field group 123 for the attached document information, the input field group 124 for the personal identification information, and the sign display field 125.

FIG. 16 is a diagram showing an example of a printed matter obtained by printing this image data. In the figure, 130
Is the paper on which the image data is printed, 131 is an insurance type printing section on which the type of contract application insurance is printed, 132 is the name, address, telephone number, date of birth, gender,
A contract applicant information print column in which the age, work place, and contract type are printed 133 is an insured information print column in which the insured's name, relationship, date of birth, age, gender, address, and telephone number are printed , 134 is a main contract printing column on which the insurance type, the number of application units, and the contract type are printed, 135 is an agency information printing column on which the name, address, telephone number, and recruiting person name of the agency are printed,
Reference numeral 136 denotes a portion where a security number column to which a security number is assigned when stored in the image storage device 4 is printed, and 137 denotes a spouse information printing column in which the name, age, and date of birth of the contract applicant 11 are printed. Reference numeral 138 denotes a child information print field on which the name and date of birth of the child of the contract applicant 11 are printed.
Is an exclusion child name print column on which the names of children excluded from the contract security are printed, 140 is a recipient print column on which the name of the insurance beneficiary is printed, and 141, 142, and 143 are special contract information, respectively. The contract information print column 144 is a premium print column on which the insurance premium related to the contract is printed, 145 is a code print column on which an agency code or the like is printed, and 146 is a contact print column of the insurance company (our company). is there. The image data is, for example, data having a basic structure obtained by converting the image data into a bit map.

FIG. 17 is a list of programs stored on the hard disk (storage means) of the contract receiving server 2. As shown in the figure, the functions of the server 2 are roughly classified into a collection / delivery management processing function and an application management processing function. For the collection / delivery management processing function, a collection / delivery service processing program (communication means) 147, a numbering limit list output program 148, a collection / delivery status reference program 149,
A numbering database update program 150 and a file management program 151 are provided. For the application management processing function, a file management program 152, a third party contract inquiry check program 153, a multiple simultaneous applicant check program 154, an attached document check program 155, an application Information management program 156, image registration program 1
57, a distributor information loading program 158, a third party contract inquiry loading program 159, and a batch management program (output means) 160.

The collection / delivery management processing function is used for communication (collection / distribution) with the contract application terminal 1 or the like or processing associated therewith. The numbering limit list output program 148 is configured to receive the text code data and the image data from the server of a department (not shown) that manages the security numbers and to use the electronic contract application. In a plurality of units, and the numbering database update program 15
When the number is added to the data, the number 0 is updated so that the next number after the number can be used for the next data. The file management program 151 is started when a situation or the like is referred to.
The contract application terminal 1 checks whether or not the version of the application processing program 28 or the like that has generated the contract application terminal 1 based on the transmitted data is the latest version. ) It is checked whether or not it is staying. If an error occurs in these checks, an instruction to update the program, an instruction to re-accept the contract application, and the like are transmitted at the next connection of the contract application terminal 1, and the contract application terminal 1 performs a display based on the instruction. You may do so.

The application management processing function is started at regular intervals (for example, one day), and the file management program 152 transmits various data transmitted / received to / from other devices in a file format. The other party's contract inquiry check program 153 manages the contract applicant 11
The program 154 checks the contract status of the contract applicant 11 with the Company, and the attached document check program 155 accepts the attached documents in each contract. The application information management program 156 manages the pending status of the contract, and the image registration program 157 causes the image storage device 4 to register the image data. The agent information load program 158 checks the data from the contract application terminal 1 based on the product items handled by the agent 13 and the like. The batch management program Grams 160 is intended to start the batch processing such as activation of each the predetermined period.

In the above embodiment, the case of a life insurance contract has been described as an example. However, the present invention is not limited to this business, and similarly, each recruiting person can work with the contract applicant. A contract application can be accepted through interviews, and the application can be applied to contract business in which a policy certificate such as an insurance policy is issued after a final examination at the head office or the like and the contract is accepted. Other examples include non-life insurance contracts, casual insurance contracts, and contracts for various mutual aid schemes.

[0052]

As described above, according to the present invention, both the contents of the contract application, which is handed over to each recruiting person and directly input by the contract applicant, and information proving the intention of the contract applicant are provided. A contract application terminal that stores the image data in the form of image data mapped to a state in which it can be visually recognized, transmits the image data as a set after confirmation of the contract applicant, and an image storage device that stores and stores the image data. The contract information can be exchanged at a much higher speed than when conventional documents are exchanged between them, and the total efficiency of business processing from contract application to storage in the image storage device at the head office etc. is to be achieved Can be.

In addition, since the information input by the contract applicant can be directly generated as image data and this can be automatically stored in the image storage device, the information can be automatically stored in an agent or a branch office as in the past. There is no need to collate electronic data with documents, and the time from examination to contract can be significantly reduced.

Further, since the contract applicant can check the contents of the contract based on the image data of the contract application information created by the contract application terminal, the display of the image data can be enlarged or reduced, and the conventional restriction is imposed. It is not necessary to make the user confirm with small hard-to-read characters on the paper, and the burden on the contract applicant can be significantly reduced.

According to the present invention, the contents of the contract application, which is handed over to each recruiting person and is directly input by the contract applicant, and information proving the intention of the contract applicant to apply are both used as contract application information in the form of code data. And the contract application information is stored in the form of image data mapped to a human-visible state, and the code data and the image data are transmitted as a set after confirming the contract applicant with the image data, A contract application terminal that creates and outputs an attached document list corresponding to the application information, an attached document information input terminal that inputs information on the documents listed in the attached document list, and the code data and image data The set is received from the above-mentioned mobile terminal, and a unique reception number is assigned to each set and stored. A contract receiving server that outputs the code data and image data of a reception number pertaining to the input when information about the documents listed in the attached document list is input from the attached document information input terminal; and an output from the contract receiving server. Since the computer includes a contract certificate issuing computer that issues a contract certificate in which the receipt number is described based on the received code data, and an image storage device that accumulates and stores the image data output from the contract reception server together with the receipt number, Information on contract applications can be handled as electronic data. Therefore, information on these contract applications can be instantaneously exchanged between recruiting agents, agents, branches and headquarters using the communication infrastructure, which is much better than the conventional exchange of documents between them. This makes it possible to exchange contract information at a high speed, and to improve the total efficiency of business processing from contract application to issuance of a contract certificate.

In addition to the contract application form, a list of attached documents such as a required medical certificate, a copy of the first insurance receipt, a fund transfer request form, etc. is listed up at the contract application terminal at the time of contract application, and the contract applicant When the contract applicant receives the attached documents listed in this list from the contract applicant, simply enter it from the attached document information input terminal, and the contract reception server sends the above code of the receipt number pertaining to the entry. Since data and image data are output, a contract certificate is issued on the basis of the contract certificate issuing computer, and image data that plays a role equivalent to a conventional paper application is stored in the image storage device. There is no need to manually match these documents at an agency or a branch, etc. It can be a much reduced.

Further, since the contract applicant can confirm the contents of the contract based on the image data of the contract application information created by the contract application terminal, the display of the image data can be enlarged or reduced, and the conventional restrictions are imposed. It is not necessary to make the user confirm with small hard-to-read characters on the paper, and the burden on the contract applicant can be significantly reduced.

According to the present invention, the activation control means for permitting activation of only a specific person and the contract applicant is executed when activated by the activation control means, and the contract applicant repeats an alternative selection input operation and the like. Means for inputting the contents of the contract application, thereby enabling the contract applicant to identify the contract applicant and input information that can be viewed by the user when handling the image data as contract applicant identification information. Means for checking the contents of the contract application described above, creating and outputting a list of necessary attached documents, and means for checking such information based on the contract application contents and contract applicant identification information. Data generating means for generating image data mapped to a state in which the user can view the code, and code data of the contract application content Storage means for storing the image data as a set, a confirmation means for displaying the image data checked by the contract content check means and confirming the contract contents, and a code after the contract contents confirmation Since communication means for transmitting data and image data as a set is provided, contract application contents can be handled as electronic data. Therefore, information on these contract applications can be instantaneously exchanged between recruiting agents, agents, branches and headquarters using the communication infrastructure, which is much better than the conventional exchange of documents between them. This makes it possible to exchange contract information at a high speed, and to improve the total efficiency of business processing from contract application to issuance of a contract certificate.

Further, since the contract content checking means checks the contract application contents for deficiencies and creates and outputs a list of necessary attached documents, it is possible to reliably remove minor errors and the like. The required documents can be reliably presented to the contract applicant without relying on the recruiter's ability, so the number of requests for additions and corrections afterwards can be significantly reduced, and There is an effect that the efficiency of the entire business can be improved as a result of reducing the exceptional business.

Furthermore, since the contract applicant can confirm the contents of the contract with the image data of the contract application information created by the contract application terminal, the display of the image data can be enlarged or reduced, and the conventional restrictions are imposed. It is not necessary to make the user confirm with small hard-to-read characters on the paper, and the burden on the contract applicant can be significantly reduced.

According to the present invention, the communication means for receiving the code data and the image data transmitted from the contract application terminal and the unique reception number for the set of the code data and the image data received by the communication means are set. Storage means for giving and storing, and output means for outputting the receipt number, code data and image data related to the input information after the information of the attached document relating to each contract is inputted from the attached document information input terminal. As a result, each contract application information can be managed by adding a unique reception number. Therefore, the work of attaching a sticker to a document in the past can be automated, and the processing of issuing a contract certificate after receiving the attached document and the work of storing the contract contents by image data can be automated. As a result, the final processing of the contract can be performed at a much higher speed, and the total efficiency of business processing from application for a contract to issuance of a contract certificate can be improved.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing a contract support system for a life insurance business according to a first embodiment of the present invention.

FIG. 2 is a contract processing flowchart showing a flow of the entire business from application of a life insurance contract to issuance of a security using the contract support system.

FIG. 3 is a terminal configuration diagram showing a configuration example of a contract application terminal 1 used in the first embodiment.

FIG. 4 is a list of programs stored on a hard disk of the portable computer 18 of FIG. 3;

FIG. 5 is an interview processing flowchart for explaining an example of an interview processing procedure using the contract application terminal 1.

FIG. 6 is an explanatory diagram showing a procedure of generating text code data and image data generated by the processing of the application processing program and uploaded thereafter.

FIG. 7 is an example of a menu screen displayed when the application processing program 28 is activated.

FIG. 8 is a pre-application processing program 26 (pre-processing step S
It is an example of a display screen displayed when selecting and checking the family structure of the contract applicant 11 and the insured person in the current contract in T12).

FIG. 9 is an example of a display screen displaying the result of checking the contract application content by the pre-application processing program 26 of FIG. 8;

FIG. 10 is an example of a display screen displayed first when an insurance application button 47 is clicked.

FIG. 11 is an example of a display screen displayed when the address and name of the contract applicant 11 are input in the contract content input step ST14.

FIG. 12 is an example of a display screen displayed when notification information is input in a contract application input step ST15.

FIG. 13 is an example of a display screen displayed when confirming an application content based on image data in a contract application input step ST15.

FIG. 14 is an example of a display screen displayed when the contract applicant 11 signs his / her own sign by pen input in a contract application input step ST15.

FIG. 15 is an example of a display screen displayed when confirming the application contents and inputting the information of the public certificate of the contract applicant 11 in the recruiter input step ST16.

FIG. 16 is a diagram illustrating an example of a printed matter obtained by printing the image data.

FIG. 17 is a list of programs stored on the hard disk of the contract receiving server 2.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Contract application terminal 2 Contract reception server 3 Host computer (computer certificate issuing computer) 4 Image storage device 5 Attachment information input terminal 11 Contract applicant 12 Recruitment person 22 Fingerprint authentication program (startup control means) 28 Application processing program (input) Support means, input means,
(Contract content check means, image data generation means, confirmation means) 29 Communication management program (communication means) 147 Collection / delivery service processing program (communication means) 160 Batch management program (output means)

Continued on the front page (72) Inventor Kazumasa Makabe 2-1-1, Nishi-Shinjuku, Shinjuku-ku, Tokyo Shinjuku Mitsui Building American Family Life Assurance Company of Columbus Japan Branch F-term (reference) 5B049 AA06 BB46 CC01 CC03 CC05 CC31 EE02 EE07 EE10 EE23 EE41 FF02 FF07 GG04 GG07 GG10

Claims (4)

[Claims] Claims 1. A form of image data which is handed to each recruiting person, and which maps both the contract application content directly input by the contract applicant and information proving the intention of the contract applicant to apply to a state in which a person can visually recognize the contents. A contract support system comprising: a contract application terminal that transmits the image data as a set after confirming the contract applicant; and an image storage device that stores the image data. 2. The contract application information, which is handed over to each recruiting person and is directly input by the contract applicant and information proving the intention of the contract applicant, are used as contract application information in the form of code data and the contract application. The information is stored in the form of image data mapped to a human-visible state, and the code data and image data are transmitted as a set after confirming the contract applicant with the image data, or according to the contract application information. A contract application terminal that creates and outputs the attached document list, an attached document information input terminal that inputs information related to the documents listed in the attached document list, and a portable device that sets the code data and image data A unique reception number is assigned to each set received from the terminal and stored. A contract receiving server that outputs the code data and image data of a receipt number related to the input when information about the documents listed in the list is input from the attached document information input terminal; and a code output from the contract receiving server. A contract support system comprising: a contract certificate issuing computer that issues a contract certificate in which the receipt number is described based on data; and an image storage device that accumulates and stores the image data output from the contract receipt server together with the receipt number. 3. An activation control means for permitting activation of only a specific person, and a contract application which is executed when activated by the activation control means and which is repeated by the contract applicant to perform an alternative selection input operation. Input support means for inputting the contents, input means for specifying the contract applicant, and allowing the contract applicant himself to input information which can be visually recognized when handling as image data, by the contract applicant himself; A contract content checking means that checks for deficiencies in the contract application contents and creates and outputs a list of necessary attached documents, and a state where these information can be visually recognized based on the above contract application contents and contract applicant identification information. Image data generating means for generating image data mapped to the Storage means for storing the image data as a set, confirmation means for displaying the image data checked by the contract content check means to confirm the contract contents, and code data and image after the contract contents confirmation A contract application terminal comprising communication means for transmitting data as a set; 4. A communication means for receiving code data and image data transmitted from a contract application terminal, and storing the code data and image data received by the communication means by assigning a unique reception number to each set. After the information of the attached document pertaining to each contract is input from the attached document information input terminal, the reception number pertaining to the input information,
A contract receiving server comprising: output means for outputting code data and image data.