JP2001331649A - Insurance estimation system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance estimation system which enables a customer to easily obtain the latest accurate article contents and an estimation result in a short time and an insurance company to speedily follow a procedure needed to complete a subsequent contract, etc. SOLUTION: A customer terminal 4, an agent terminal server 1, and an office work center server 3 are connected respectively through the Internet 10, and an insurance company terminal server 2 and the office work center server 3 are connected together through a LAN 13. Further, the office work center server 3, a call center 5, and a sales department branch 6 are connected through a leased network 12. According to input from the customer terminal 4, an estimation result is presented to the customer terminal 4 through HPs opened on those terminal servers 1 and 2 and the estimation result is sent to the call center 5 or sales department branch 6.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance premium estimating system for providing an insurance premium to a customer via a communication network.

[0002]

2. Description of the Related Art With the liberalization of the insurance business, products and rates are diversified, and a system is required that enables consumers to easily and quickly obtain an estimate of insurance premium desired. In addition, since insurance and services are becoming more complex and diversified, it is necessary to provide meticulous and quick responses between the time of estimation and the time of contract. In addition, there is an increasing need for insurance agents to set up a homepage, separately from the insurance company itself, to introduce insurance products and make estimates. In addition, with regard to non-life insurance, etc., cases of recruiting groups at the workplace as part of welfare programs are increasing, and there is a need to introduce and provide group insurance to employees via the company intranet.

[0003]

However, the insurance premium estimating means for setting up a conventional homepage and presenting the estimation result has the following problems. In other words, after presenting the estimate result to the customer on the homepage, the result of the estimate is notified to the contracting department by manual means such as in-house mail or telephone, which is necessary for subsequent contracts. The start of procedures such as interviews and explanations was delayed.

[0004] Further, in the past, quotes were presented on the homepage of an agency by an individual quote system for each agency, so it was difficult to provide accurate and unified materials and quote results for the same product. there were. In particular,
If the content or price of a product or service is changed, the burden on the agency to secure changes to the quotation system and maintenance of functions will be large, making accurate and unified quotation more difficult. I have. Furthermore, sales and sales of individual agencies
In many cases, the agency's homepage is accessed from a region other than the region where the service is available. In this case, it has been difficult to provide quick and detailed responses in terms of time and geography.

Furthermore, it is difficult for each company to independently develop and maintain a group insurance premium estimation system. In addition, because special group discounts are applied to insurance premiums of major companies, it was also difficult to use a quotation system using general-purpose nets used by general customers.

Accordingly, an object of the present invention is to solve such a problem, to provide a customer with an accurate and quick estimate of insurance premiums via a communication network, and to quickly and precisely respond to necessary procedures thereafter. It is to provide a premium estimation system.

[0007]

According to a first aspect of the present invention, there is provided an insurance premium estimating system for providing an insurance premium estimation to a customer terminal via a communication network, comprising a terminal server and an office center server. ing. The terminal server presents the contents of the insurance product and the quotation condition to the customer, transmits a quotation instruction from the customer to the office center server, and presents the estimation result returned from the office center server to the customer. The office center server calculates the estimate based on the estimate instruction from the customer transmitted from the terminal server, transmits the result to the terminal server, records the result, and transmits the result to the insurance contract department.

[0008] As described above, by making a uniform estimate calculation in the office center server via the communication network and transmitting the result to the customer and the department in charge of the contract, it is possible to provide the customer with an accurate and quick estimate. At the same time, contract departments can respond quickly and in detail.

In the insurance premium estimating system according to the second aspect, the terminal server according to the first aspect is a server of an agent and / or a server of an insurance company, and the insurance sales activity of the agent through a communication network. It is characterized by supporting.

[0010] With this configuration, a uniform and accurate estimate can be provided to a customer who has accessed the homepage of each agency, and a customer other than the area in which the agency is responsible can be provided with a subsequent estimate. Quick and meticulous response to explanations and services required for contracts is possible.

An insurance premium estimation system according to a third aspect of the present invention is an insurance premium estimation system for providing an estimate of a group insurance premium to a company terminal via a communication network. This system comprises an insurance company terminal server and an office center. Has a server. This insurance company terminal server is connected to the corporate intranet via a communication network, presents the contents of the group insurance products and the quotation conditions to the employees, transmits the quotation instructions from the employees to the office center server, and The estimate result returned from the office center server is presented to this employee. On the other hand, this office center server calculates the estimate based on the estimate instruction from the employee transmitted from the insurance company terminal server, returns the result to the insurance company terminal server, records the result, and transmits it to the insurance contract department. .

[0012] With this configuration, a company employee can easily and quickly obtain an accurate estimate of group insurance using a company personal computer, and the department in charge of contract can take quick and detailed measures. .

[0013]

Embodiments of the present invention will be described below with reference to the drawings. First, FIG. 1 shows a schematic configuration of the present invention. A plurality of agents and insurance companies have terminal servers 1 and 2 respectively, and a large number of customer terminals 4.
Can be connected via the Internet 10.
Further, the insurance company has an office center server 3 and is connected to the agency terminal server 1 via the Internet 10 and to the insurance company terminal server 2 via the LAN 13. Further, the office center server 3 is connected to the call center 5 and the sales section branch office 6 via the dedicated network 12. The insurance company terminal server 2 is connected to a plurality of group intranets 8 via a dedicated network 11.

The terminal servers 1 and 2 are connected from the office center server 3 to the Internet 10 and LA, respectively.
An HP (homepage) for presenting the latest product content and the quotation conditions transmitted via N13 to the Internet 1
It is established on 0. In addition, office center server 3
Stores the latest product content and estimate calculation means in the database, calculates the estimate based on the customer's estimate instruction transmitted through the terminal servers 1 and 2, and transmits the result and the result transmitted from the customer terminal 4. Customer information such as address and name is stored in a database. In addition, the office center server 3 stores, in a database, estimate calculation means including the latest contents of group insurance, estimation conditions, and determination of group discount for each company. An estimate is calculated based on the estimate instruction, and the result is stored in a database. The call center 5 and the sales section branch 6 have a computer system that receives and stores information from the office center server 3 via the dedicated network 12. Here, the call center 5 is a department for mail-order sales of insurance design documents and the like to customers, while the sales section branch office 6 is a department for face-to-face sales of insurance contracts and the like to customers.

Next, the operation and function of the present invention will be described with reference to FIG. FIG. 2 shows the operation and functions of the customer terminal 4, the terminal servers 1 and 2 of the agency or insurance company, the office center server 3, the call center 5, and the sales branch office 6, and the flow of information between them. In addition, each operation | movement and function are specified with the alphabet attached with ().

The customer who wants to consider insurance is a customer terminal 4
Access to the HP established by the agency or the insurance company via the Internet 10 (A). In response to this access, the terminal server 1 or 2 of the agency or the insurance company presents the product contents and the quotation conditions to the HP (B). The latest product contents and estimation conditions are presented, and these are provided from the office center server 3 to the terminal servers 1 and 2 via the Internet 10 (C).

The customer examines and selects the contents of the product presented by the agent or the insurance company on the HP from the customer terminal 4, and selects or designates the quotation condition according to the instruction of the HP (D). The selection or designation of the customer can be made for a plurality of contract cases, and via the terminal server 1 or 2 of the agency or insurance company, the Internet 10 or LAN 1
3 to the office center server 3 (E),
The office center server 3 performs an estimate calculation (F).
The office center server 3 returns the estimation result to the terminal server 1 or 2 of the agency or insurance company and records it in the database of the office center server (G). Then, the estimation result is presented to the customer terminal 4 (H).

The customer examines the result of the estimation and, if it is desired to provide a contract or more detailed information (I), personal information necessary for the contract such as the customer's name and address or details desired to be obtained. Information is instructed from the customer terminal 4 (J).
The instructions from the customer are sent via the Internet 10
It is transmitted to the terminal server 1 or 2 of the agency or insurance company, and the Internet 1
0 or transmitted via the LAN 13 (K).

The office center server 3 stores the customer's personal information or desired detailed information in a database together with the estimation result calculated in step (F),
Based on the customer's request included in the detailed information, the information is transmitted to the call center 5 or the sales section branch 6 via the dedicated network 12 (L). The sales department branch 6 to which information is transmitted automatically selects a sales department branch capable of prompt service from the address or postal code entered by the customer.

When the customer desires mail order, the call center 5 creates an insurance design document based on the received customer information and instructions, and mails it to the customer together with the detailed information desired by the customer (M). On the other hand, when the customer desires face-to-face sales, the sales section branch 6 promptly makes an individual contact or visit with the customer based on the received customer information and instructions, and advances the insurance contract (N).

Next, FIG. 3 shows an operation / function and a flow of information between each other when estimating group insurance for employees of a company by using the company intranet. The company intranet 8 is connected to the insurance company terminal server 2 via a dedicated network 11, and the insurance company terminal server is connected to the office center server 3 via the LAN 13.

An employee of a company wishing to consider group insurance accesses the HP opened by the insurance company from the company terminal 7 via the dedicated network 11 (a). In response to this access, the insurance company terminal server 2 presents the product content and the quotation condition to the HP (b). The latest contents and estimation conditions are presented to the insurance company terminal server 2 from the office center server 3 via the LAN 13 (c).

The employee enters the company ID from the company terminal 7, examines and selects the product content presented by the insurance company terminal server 2 on the website, and selects or designates the quotation condition in accordance with the instruction of the website (d) ). This selection or designation of an employee can be performed for a plurality of contract cases, and is transmitted to the office center server 3 via the insurance company terminal server 2 and the LAN 13 (e). The office center server 3 transmits the transmitted instruction and the company I
From D, the discount is determined for each group and an estimate is calculated (f). The office center server 3 returns the estimation result to the insurance company terminal server 2 and records it in the database of the office center server (g).
The insurance company terminal server 2 presents the estimation result to the company terminal 7 (h).

The subsequent operation, function and information flow are as follows.
This is the same as that shown in FIG. In addition, the contents of each step specified by the uppercase alphabet in FIG.
The contents of each step specified by the same lowercase alphabet in FIG.

The Internet 10 connecting the agency terminal server 1 and the office center server 3
Is not limited to this, you may use a dedicated net,
The LAN 13 for connecting the office center server 3 and the insurance company terminal server 2 is not limited to this, and may be a dedicated network or a general-purpose network. Dedicated net 1 connecting the group intranet 8 and the insurance company terminal server 2
1 is not limited thereto, and a general-purpose net may be used. In addition, the agency itself can start an individual communication or a visit to the nearest customer based on the estimation result transmitted from the office center server 3, and proceed with a procedure necessary for the contract. Further, the terminal server 2 or the office center server 3 of the insurance company may be operated by a person other than the insurance company.

[0026]

As described above, according to the present invention,
The customer can examine / select the contents of the latest insurance products provided by the office center server from the customer terminal via the agency or the insurance company's website, and obtain an accurate estimate calculated uniformly by the office center server. The results can be obtained quickly and easily. Further, based on the estimate information immediately transmitted from the office center server, the call center or the sales section branch office can promptly start the procedures required for the subsequent contracts and the like, and can respond to detailed and prompt customers.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram of an insurance premium estimation system.

FIG. 2 is a block diagram showing the operation of the premium estimation system and the flow of mutual information.

FIG. 3 is a block diagram showing an operation of a group insurance premium estimating system using a group intranet and a flow of mutual information.

[Explanation of symbols]

 1 Agency Terminal Server 2 Insurance Company Terminal Server 3 Office Center Server 4 Customer Terminal 5 Call Center 6 Sales Division Branch 7 Company Terminal 8 Group Intranet 10 Internet 11, 12 Dedicated Net 13 LAN

Claims (3)

[Claims] 1. An insurance premium estimation system for providing an insurance premium estimate to a customer terminal via a communication network, said system having a terminal server and an office center server, wherein said terminal server The insurance product contents and the quotation conditions, send the quotation instruction from this customer to the above-mentioned clerk center server, and present the quotation result returned from this clerk center server to this customer. An estimate calculation system for performing an estimate calculation based on the estimate instruction from the customer transmitted from the terminal server, returning the result to the terminal server, recording the result, and transmitting the result to the insurance contract department. . 2. The insurance premium according to claim 1, wherein said terminal server is an agent terminal server and / or an insurance company terminal server, and supports insurance sales activities of the agent via a communication network. Estimation system. 3. An insurance premium estimation system for providing an estimate of a group insurance premium to a company terminal via a communication network,
The above-mentioned system has an insurance company terminal server and an office center server. The above-mentioned insurance company terminal server is connected to a corporate group intranet via a communication network, and provides employees with information on group insurance products and quotation conditions. And send the estimate instruction from this employee to the above-mentioned office center server, and present the estimate result returned from this office center server to this employee, and the above-mentioned office center server is sent from the insurance company terminal server. An insurance premium estimating system wherein an estimate is calculated based on the estimate instruction from the employee, the result is returned to the insurance company terminal server, recorded, and transmitted to the insurance contract department.