JP2001325441A - System for desk work related to insurance - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for desk work related to insurance which can be developed at a reduced cost and in a shortened time. SOLUTION: On the basis of an insurance application 20 examined by a financial institution or the like, a subscription applying processing part 12 executes subscription applying processing for inputting the personal information of an applicant entered on the application. A change processing part 14 converts debt (loan) information provided from the financial institution such as non-bank or house maker through a network NW to standard loan information and finds the change of loan on the basis of the loan information of a previous month and a present month. Besides, the change processing part 14 converts this loan change to standard change information. An insurance company IF 18 provides change data 40 prepared on the basis of the standard change information to each of insurance companies 50.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance-related business system, and more particularly to an insurance-related business system suitable for business processing of insurance linked to loan products of financial institutions and the like.

[0002]

2. Description of the Related Art Conventionally, with regard to business processing of various insurances handled by insurance companies, processing such as establishment of insurance, reflection of transfers, and recording of insurance premiums are performed by business processing systems of each insurance company. On the other hand, with regard to the paperwork of insurance linked to loan products of financial institutions, the financial institution, which is a group, has developed a business system, reporting insurance changes and collecting premiums from insured persons. Conventionally, there has been a restriction on the sales of insurance counters by financial institutions. As insurance linked to loan products, group credit life insurance that guarantees the remaining debt when the debtor dies, and government affairs that guarantee the repayment amount when the debtor is unable to work. It was only repayment support insurance.

However, since April 2001, restrictions on sales at insurance counters at financial counters have been greatly eased. As a result of this deregulation, insurance linked to loan products has recently been developed by non-life insurance companies and life insurance companies. As insurance linked to newly developed loan products of financial institutions, for example, banks provide loans to mortgage users (borrowers) when loans are lost due to borrower's unemployment. It's like unemployment insurance to cover repayments. In addition, new products are being developed for long-term income insurance, short-term income insurance, death insurance, and the like. Such insurance is provided by non-banks and housing manufacturers in addition to general financial institutions such as city banks, regional banks, and credit unions. Name. Among the above-mentioned insurances, for example, unemployment insurance, long-term income compensation insurance, and short-term income compensation insurance are handled by non-life insurance companies, and death insurance is handled by life insurance companies.

[0004]

The above-mentioned insurance linked to loan products of financial institutions and the like which are being newly developed includes a notice of loan execution of loan products, a notice of change such as completion / change of conditions, and a notice of each insurer. It is necessary for financial institutions, etc., to store insurance premiums. Accordingly, it has become necessary for financial institutions and the like to newly develop an office system for performing business operations of insurance linked to loan products of the financial institutions and the like.
However, there are financial institutions with sufficient system development capabilities and financial institutions with insufficient system development capacity. In order to develop a system, there is a problem that a large cost is required for the development and a long time is required for the development.

An object of the present invention is to reduce development costs,
It is an object of the present invention to provide an insurance-related business system that can shorten development time.

[0006]

Means for Solving the Problems (1) In order to achieve the above object, the present invention converts the debt information provided by each financial institution into standard loan information in a common format, A transfer processing unit for requesting a transfer and creating an insurance transfer based on the loan transfer, and an insurance company interface unit for providing the transfer data obtained by the transfer processing unit to each insurance company are provided. Things. With this configuration, the debt information provided by each financial institution is converted into standard loan information and then transferred, so that even if the content of the debt information differs for each financial institution, the debt information is collectively processed. It is not necessary to develop an office system for each financial institution,
Development costs can be reduced, and development can be performed in a short period of time.

(2) In the above (1), preferably,
The transfer processing unit obtains a loan transfer by comparing the information of the previous loan with the information of the current loan.

(3) In the above (1), preferably,
The transfer processing unit fetches insurance information corresponding to the loan information by linking the loan data and the insurance data using the combining key, and creates the insurance transfer in the standard transfer information that is a common format. It was done.

(4) In the above (3), preferably,
The transfer processing unit sets the connection key when the transfer of the loan is a loan execution.

(5) In the above (1), preferably,
The transfer processing unit is configured to create insurance transfers based on the standard transfer information, and then convert the insurance transfers into transfer data for each insurance company. With this configuration, insurance transfers are processed using standard transfer information common to each insurance company, and then transfer data and reports are created in a format for each insurance company. Transfer reports and the like can be processed in a lump, eliminating the need to develop an office system for each financial institution, thereby reducing development costs and allowing development to be performed in a short period of time.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The configuration of an insurance-related office system according to an embodiment of the present invention will be described below with reference to FIGS. First, the system configuration of the insurance-related office system according to the present embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing a system configuration of an insurance-related office system according to an embodiment of the present invention.

An insurance-related office system 1 according to the present embodiment.
0 denotes a subscription application processing unit 12, a transfer processing unit 14, a billing / storage processing unit 16, and an insurance company interface (I
F) 18.

The subscription application processing section 12 executes a subscription application process for inputting the applicant's personal information described in the application form based on the insurance application form 20 assessed by a financial institution or the like.
The contents of the personal information include, for example, the applicant's name, contact information, and other personal information (such as an account number of a financial institution). The input personal information of the insurance application is stored in a database (DB) 30.

The transfer processing unit 14 is provided with a network NW from a financial institution such as a financial institution, a non-bank, and a house maker.
Is converted into standard loan information, and a loan transfer is requested based on the previous month's loan information and the current month's loan information. Here, the debt information is a debt balance, a loan interest rate, and the like, and the insurance money linked to the loan product varies depending on the debt balance and the debt repayment amount. The debt information is, for example, 1
Provided periodically by financial institutions, such as times / month.
Generally, the content of debt information provided by financial institutions differs for each financial institution. For example, a large financial institution contains information on debt balance and loan interest rate, as well as information on repayment amount, whereas small and medium-sized financial institutions, etc. only have information on debt balance and loan interest rate. There is also. Therefore, different debt information for each financial institution is converted into standard loan information (standard loan information).
The details of the standard loan information will be described later with reference to FIG.

The transfer processing section 14 executes a transfer process for converting the loan transfer into standard transfer information. The insurance company IF 18 provides the transfer data 40 created based on the standard transfer information to each insurance company 50. The details of the transfer process will be described later with reference to FIG. Here, transfer data is provided to a plurality of insurance companies for each insurance. The insurance companies 50 include, for example, non-life insurance companies, life insurance companies, and the like according to the type of insurance. The details of the insurance company change will be described later with reference to FIG. Debt information provided by financial institutions, etc., is not limited to the method via the network NW.
For example, it may be provided by a magnetic tape MT or other means.

The billing / storage processing unit 16 bills a financial institution or the like through a network NW using an account transfer process of the financial institution. Further, when the fund transfer processing is completed, for the insured who has been able to withdraw the insurance premium, payment details data addressed to the insurance company 50 is created, and the insurance premium remittance processing is executed.

Next, the contents of the transfer processing of the transfer processing unit 14 of the insurance-related office system according to the present embodiment will be described with reference to FIG. FIG. 2 is a flowchart showing transfer processing contents of the transfer processing unit 14 of the insurance-related office system according to one embodiment of the present invention.

In step s100, the transfer processing section 1
Reference numeral 4 converts these data into standard loan information, which is a common format, based on debt (loan) information provided by each financial institution or the like.

Here, the contents of the standard loan information used in the transfer processing unit 14 of the insurance-related office system according to the present embodiment will be described with reference to FIG. FIG. 3 shows the transfer processing unit 14 of the insurance-related business system according to one embodiment of the present invention.
FIG. 6 is an explanatory diagram of the contents of standard loan information used in the step S1.

As shown in FIG. 3, the standard loan information includes key information, personal information, debt information, and the like. The key information is information for identifying an individual such as a debtor number and an insured person number. The personal information includes name, contact number (postal code, address, telephone number, etc.) and other personal information (sex, date of birth, etc.). Debt information includes
Debt balance at any time, such as borrowing date of loan product, debt balance, redemption period, interest rate, redemption method (equity or principal and interest equality), step information (step redemption or step type), repayment amount, etc. And information required to calculate the annual repayment amount.

Here, the debt information provided by a financial institution or the like always includes key information and personal information.
However, in the debt information, the borrowing date, debt balance, redemption period, interest rate, redemption method, step information, etc. are provided by each financial institution. There are institutions. Therefore, when the information on the repayment amount is not provided in the debt information provided by each financial institution, the transfer processing unit 14 calculates the repayment amount such as the annual repayment amount or the average monthly repayment amount. After calculating, add it to the standard loan information.

As described above, even if the debt information obtained from each financial institution is different by converting to the standard loan information, the debt information is converted to the standard loan information and handled so that it can be linked to loan products of a plurality of financial institutions. It is possible to collectively handle the insurance that has been provided.

Next, in step s110 of FIG.
The transfer processing unit 14 grasps a transfer related to a loan based on the loan information of the previous month and the loan information of the current month.

Here, a method of grasping a loan transfer in the transfer processor 14 of the insurance-related office system according to the present embodiment will be described with reference to FIG. FIG. 4 is a transfer processing unit 1 of the insurance-related office system according to one embodiment of the present invention.
FIG. 4 is an explanatory diagram of a loan transfer in FIG.

As described above, the debt information is provided periodically from each financial institution, such as once a month. The transfer processing unit 14 compares the loan information of the previous month with the loan information of the current month using the creditor number or the like as a key to grasp the transfer related to the loan.

In FIG. 4, "X" indicates that there is no debt information, and "O" indicates that there is debt information. When there is no debt information for the previous month and there is debt information for the current month, the transfer processing unit 14 recognizes a loan transfer as a loan execution or re-application. Also, if there is debt information for the previous month and there is no debt information for the current month, and if the loan data status has been paid off for the previous month loan,
The transfer processing unit 14 grasps the loan transfer as the cancellation of the insurance after the payment. In addition, there is debt information for the previous month,
If there is no debt information for the current month and the loan data status has not been paid off for the previous month's loan, the transfer processing unit 14 recognizes the loan transfer as voluntary cancellation of insurance.

If there is debt information for the previous month and the current month and the loan data has been paid off for the current month, the transfer processing unit 14 determines that the loan has been paid off this month. . If there is debt information for the previous month and the current month, and the loan data has changed loan conditions, for example, by repaying a part of the loan at once, If there is a change in the balance or a change in the interest rate, the transfer processing unit 14 recognizes a loan transfer as a condition change. If there is debt information for the previous month and the current month, and the status of the loan data has changed in name or address, the transfer processing unit 14 recognizes the transfer of the loan as a change in name / address. If there is debt information for the previous month and the current month, and the loan data indicates that the account number of the financial institution has changed, the transfer processing unit 14 recognizes the transfer of the loan as an account change.

Next, in step s120 of FIG.
The transfer processing unit 14 determines whether or not the type of transfer recognized in step s110 is a transfer at the start of loan execution. If it is a loan execution start, the process proceeds to step s130; otherwise, the process proceeds to step s140.

If the transfer is a loan start, the transfer processor 14 sets a combination key in step s130.

Here, the combination key used in the transfer processing unit 14 of the insurance-related business system according to the present embodiment will be described with reference to FIG. FIG. 5 is an explanatory diagram of the combination key used in the transfer processing unit 14 of the insurance-related business system according to one embodiment of the present invention.

In insurance linked to a loan product of a financial institution or the like, information on the debtor for the loan product and information on the insured person for the insurance exist as individual databases. The linking key connects the two pieces of information.

As shown in FIG. 5, the debtor information includes the debtor number, the repayment start date, the repayment end date, the repayment method, the repayment reference date, the repayment amount, the annual repayment amount, and the like. The insured person's information includes insured number, name, date of birth, gender,
It consists of an address, insurance plan, insurance amount, insurance premium, payment method, debit account, and the like.

Here, as the combination key, for example, an insured person number or a debt repayment number is used. In a certain financial institution or the like, the insured person number is registered in the management master of the loan, so that the insured person number can be used as a combination key with the loan data provided by the financial institution or the like. In addition, since the loan data provided by the financial institution includes a debt repayment number consisting of (customer number + serial number), the insured person is specified using the customer number as a key at the time of lending, and After performing the set,
The debt repayment number consisting of (customer number + serial number) can be used as a combination key for loan data.

After the end of the processing in step s130 or in the case of "No" in the judgment in step s120, step s1
At 40, the transfer processing unit 14 obtains the insured person number from the connection key and fetches insurance information from the database 30.

Next, in step s150, the transfer processing unit 14 converts the insurance transfer into standard transfer information which is a format common to each insurance company. Then, in step s160, the insurance company IF 18 converts the standard transfer information into a format for each insurance company, creates a transfer report and transfer data 40, and notifies the insurance company 50.

Here, the contents of the conversion processing to the insurance company's standard transfer information and the report processing to the insurance company in the transfer processing unit 14 of the insurance-related office system according to the present embodiment will be described with reference to FIG. FIG. 6 is an explanatory diagram of the conversion processing to the insurance company standard transfer information in the transfer processing unit 14 of the insurance-related business system according to the embodiment of the present invention.

For each content of the loan transfer described with reference to FIG. 4, a transfer of the insurance company according to the insured situation at that time occurs. For example, if the loan change is “financing executed” and the insured person status at that time is “waiting for loan execution”, a “loan execution notification” is generated as the insurance company change. At the time of loan execution, the transfer processing unit 14 prepares a transfer report, calculates the debt balance and the annual repayment amount, stores them in the standard loan information, calculates the insurance premium, and calculates the insurance fee. Used for processing insurance premiums.

If the loan transfer is "re-apply" and the insured person status at that time is "financing completed", a warning is issued as "no transfer" as the insurance company transfer. In general, after the loan has been executed, it is rare that an insurance application is made again, and there may be a key error such as a debtor number. Therefore, a warning is generated. If the loan transfer is "reapply",
If the status of the insured person at that time is “withdrawal”, a warning is issued as “re-application” as a change of the insurance company. Generally, after withdrawing from insurance, insurance application is unlikely to occur again, and there may be a key error such as a debtor number, so a warning is generated.

When the loan transfer is “cancellation after payment”,
If the insured situation at that time is “completed”, the change of the insurance company is “no change”. If the loan transfer is “arbitrary cancellation” and the insured situation at that time is “cancellation”, the transfer of the insurance company is “no transfer”.

If the loan change is “completed this month” and the insured person status at that time is “financed”, the change of the insurance company is “completed withdrawal”. At the time of withdrawal, the transfer processing unit 14 creates standard transfer information.

If the loan change is “loan condition change” and the insured situation at that time is “financing executed”, the insurance company change is “insurance premium / insurance change”.
And If a part of the loan is repaid in a lump, etc., the debt balance will be reduced, and the insurance money will be reduced accordingly,
Insurance premiums will also change. Therefore, when the insurance premium / insurance is changed, the transfer processing unit 14 calculates the balance of the debt, the annual repayment amount, and the insurance premium to create the standard transfer information,
It is used for processing such as claiming an insurance premium in the storage unit 16.

If the loan change is "name / address change" and the insured situation at that time is "financing executed", the insurance company change is "name / address change". Here, the transfer processing unit 14 creates standard transfer information relating to name and address changes. If the loan transfer is “account change” and the insured situation at that time is “financing completed”, the transfer of the insurance company is “billing account change”. Here, the transfer processing unit 14 creates standard transfer information relating to the change of the claim seat,
It is used for processing such as claiming an insurance premium in the storage unit 16.

In the above description, the unemployment insurance linked to the mortgage and the death protection insurance are described as examples.
The insurance-related office system according to the present embodiment is applicable to a loan, insurance, and the like as described below.

The types of non-life insurance to be covered are 1)
Income compensation insurance, accident insurance to secure loss of income, 2) contractual performance insurance, cost and profit insurance to secure loss of income, 3)
Mortgage compensation insurance, compensation insurance to secure loss of income,
4) There are personal loan credit insurance and credit insurance that guarantees loss of income.

The types of life insurance include group credit life insurance, group term insurance, group medical insurance, term insurance, whole life insurance, medical insurance, income insurance and the like.

Further, as the types of loans to be targeted, loans for individuals include home loans, renovation loans, education loans, car loans, card loans,
There are free loans and consumer loans. Loans for business use include bill lending, certificate lending, and overdraft. In addition, lease contracts and the like can be covered.

As described above, in this embodiment,
Debt information provided by each financial institution is converted into standard loan information and then subjected to transfer processing, so that even if the contents of debt information differ for each financial institution, it can be processed collectively. Also, insurance transfers are processed using standard transfer information common to each insurance company, and then transfer data and reports are created in a format for each insurance company. Etc. can be processed collectively. Therefore, by using the insurance-related office system according to the present embodiment, it becomes unnecessary to develop an office system for each financial institution, and development costs can be reduced and development can be performed in a short time.

[0048]

According to the present invention, the development cost of the insurance-related office system can be reduced, and the development time can be shortened.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a system configuration of an insurance-related office system according to an embodiment of the present invention.

FIG. 2 is a flowchart showing transfer processing contents of a transfer processing unit 14 of the insurance-related office system according to one embodiment of the present invention.

FIG. 3 is an explanatory diagram of the contents of standard loan information used in the transfer processing unit 14 of the insurance-related business system according to one embodiment of the present invention.

FIG. 4 is an explanatory diagram of a loan transfer in the transfer processing unit 14 of the insurance-related business system according to one embodiment of the present invention.

FIG. 5 is an explanatory diagram of a combination key used in the transfer processing unit 14 of the insurance-related business system according to one embodiment of the present invention.

FIG. 6 is an explanatory diagram of a process of converting the insurance-related business system into standard transfer information of an insurance company in the transfer processing unit 14 according to the embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Insurance related business system 12 ... Enrollment application processing part 14 ... Transfer processing part 16 ... Claim / storage processing part 18 ... Insurance company interface 20 ... Enrollment application form 30 ... Database 40 ... Transfer data 50 ... Insurance company

Claims (5)

[Claims] 1. Debt information provided by each financial institution, etc.
After converting to standard loan information in a common format, a loan transfer is requested, and a transfer processing unit that creates insurance transfer based on this loan transfer, and the transfer data obtained by the transfer processing unit to each insurance company. An insurance-related business system comprising an insurance company interface provided for the insurance company. 2. The insurance-related business system according to claim 1, wherein the transfer processing unit obtains a loan transfer by comparing information on a previous loan with information on a current loan. Insurance related office system. 3. The insurance-related business system according to claim 1, wherein the transfer processing unit fetches insurance information corresponding to the loan information by connecting the loan data and the insurance data using a connection key. An insurance-related business system that creates insurance transfers in a standard format, standard transfer information. 4. The insurance-related office system according to claim 3, wherein the transfer processing unit sets the combination key when the loan is a loan. 5. The insurance-related business system according to claim 1, wherein the transfer processing unit creates insurance transfer based on standard transfer information, and then converts the insurance transfer into transfer data for each insurance company. Office system.