JP2002092392A - Insurance service providing apparatus and insurance service providing method - Google Patents

Abstract

(57) [Summary] [Problem] To enable efficient provision and management of insurance services for both customers and insurance companies (or agents). SOLUTION: A first storage unit 30a for storing quote request information of an insurance service transmitted via an electronic network, a second storage unit 30b for storing a reply to the quote request information, and logging in the quote request information And a control unit 30 that outputs the reply to the source of the quote request information via an electronic network.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance service providing apparatus and an insurance service providing method for providing various insurance services such as automobile insurance, life insurance, fire insurance, vehicle insurance, and the like, and more particularly to insurance sales service and insurance management. The present invention relates to a technology that enables efficient provision and management of insurance services for both customers and insurance companies (or agents) by providing services using an electronic network.

[0002]

2. Description of the Related Art At present, when trying to receive various insurance services such as car insurance, life insurance, fire insurance, etc., an insurance company (or agency) requires customer information (service applicant) to receive customer information and information. It is common to hear the desired conditions for insurance, create an insurance quote based on the hearing, and then sign a contract.

[0003]

However, such a conventional insurance service providing method has various problems to be solved as described below.

(1) When preparing a life plan for insurance, the customer needs to consult with a specialized consultant or the like in order to accurately understand the necessity of insurance and the contents of insurance. When creating a plan,
Because you have to analyze the risks at the time, carefully consider what kind of insurance you will need, and get the estimate from the insurance company (or agent) yourself, It takes a great deal of effort and time for customers to receive insurance services.

[0005] (2) In general, insurance estimates must be obtained for each of the neighborhood agents, salespersons or acquaintances, or insurance companies (or agents), and insurance types. Can't do it.

[0006] (3) When joining the insurance, be sure to fill out the application form received from the insurance company (or agency),
Since it must be stamped and handed over to agents, etc., and the insurance premium must be paid in advance by cash or bank transfer, a great deal of complicated work is required before the customer receives the insurance service. .

(4) Even if the customer's own living conditions change, the insurance contents remain as they are, and the insurance conditions become inadequate, unless the customer himself realizes the necessity of modifying the insurance and takes action. Insurance may be invalidated, and insurance maturity management may need to be contacted by an agent or performed by yourself. Customers may inadvertently incur a disadvantage.

[0008] The present invention has been made in view of the above problems, and an object of the present invention is to enable efficient provision of insurance services and management for both customers and insurance companies (or agents). It is an object of the present invention to provide an insurance service providing device.

Another object of the present invention is to provide an insurance service providing method which enables efficient provision and management of insurance services for both customers and insurance companies (or agents). .

[0010]

In order to solve the above-mentioned problems, the present inventors have established an environment in which an insurance sales service and an insurance management service can be provided by using an electronic network. Providing efficient insurance services for both insurers (or agents),
We came to the idea that management work would be possible, and as a result of intensive research, we came up with a technical idea with the following characteristics.

The features of the insurance service providing apparatus of the present invention are as follows.
A first storage unit for storing insurance service quote request information transmitted via the electronic network, a second storage unit for storing a response to the quote request information, and a browser screen of a client device that has logged the quote request information And a control unit for outputting a reply to the sender of the quote request information via the electronic network.

According to this device, a series of operations up to the contract of the insurance service can be performed via the electronic network, so that the efficient provision of the insurance service for both the customer and the insurance company (or agency) can be provided. Business becomes possible. In addition, since the contents of the quote request are configured so that the insurance company (or agent), which is the insurance service provider, can access the device and confirm the contents only after accessing the device, under high security, It is possible to provide insurance services.

The features of the insurance service providing method of the present invention are as follows.
Outputting the insurance service quote request information transmitted to the server device via the electronic network on the browser screen of the client device, and referring to the insurance service quote request information output on the browser screen, There is a step of inputting a response to the request information in a browser screen, and a step of transmitting the input response to a source of the quote request information via an electronic network.

According to this method, a series of operations up to the contract of the insurance service can be performed through the electronic network, so that both the customer and the insurance company (or the agency) can efficiently provide the insurance service. Business becomes possible. Further, the contents of the quote request can be confirmed only after an insurance company (or an agency) which is the insurance service provider accesses the device, so that the insurance service is provided with high security. It becomes possible.

It is desirable to select answers to the input quote request information based on predetermined conditions, and to transmit only the selected answers to the source of the quote request information. It is preferable to include at least numerical values related to the price discount rate, incidental fulfillment and damage assessment fulfillment, and the importance given to the numerical values given by the source of the estimation request information.

According to such a configuration, by inputting personal preferences as selection conditions, it becomes possible for a customer to automatically receive insurance services corresponding to his / her own preferences. It is possible to reduce the labor and time required to select a user who has a preference from among them.

Further, by referring to the input information on the change of the life plan, it is possible to output the optimum combination of insurances after the change of the life plan via the electronic network.

According to such a configuration, the management work of the insurance service, which had to be manually performed until now, is automatically performed, so that the labor and time required for managing the insurance service can be reduced. .

[0019]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Referring to FIGS.
The configuration and operation of the insurance service providing system according to the embodiment of the present invention will be described.

(Configuration of Insurance Service Providing System) First, a configuration of an insurance service providing system according to an embodiment of the present invention will be described with reference to FIG.

As shown in FIG. 1, the insurance service providing system according to the embodiment of the present invention accesses and logs in to the insurance service providing server 102, and provides the user terminal 101 who receives the insurance service and the insurance service. Insurance service providing server (insurance service providing device) 10
2 and an insurance company terminal 103 used by an insurance company (or agency), and these components are configured to be mutually connectable via an electronic network.

The electronic network referred to here is
Means a general communication network using telecommunications technology, for example,
TCP (Transmission Control Protocol) / IP (Int
Internet system, WAN (Wide Area Network), LAN (Local Are)
a Network), cable communication, satellite communication, optical fiber communication, etc.

The user terminal 101 may be any device having at least an information communication function, such as a workstation, a PC, an NC (Network Computer), and a portable mobile communication terminal. .

Further, the insurance service providing server 102 and the user terminal 101 and the insurance company terminal 103 are one of cryptographic communication protocols for performing data communication.
It is built according to SSL (Secure Sockets Layer). Accordingly, data exchanged between the insurance service providing server 102 and the browser screen on the user terminal 101 or the insurance company terminal 103 can be encrypted, and security in transmitting and receiving information can be maintained.

(Configuration of Insurance Service Providing Server)
The configuration of the insurance service providing server (insurance service providing apparatus) according to the embodiment of the present invention will be described with reference to FIG.

The insurance service providing server according to the embodiment of the present invention comprises, as shown in FIG.
1a, control unit 21b, insurance sales unit 21c, insurance management unit 2
1d, a user information / personal information database 22 is provided.

The input / output interface 21a is provided for each component in the apparatus, the user terminal 101 and the insurance company terminal 1.
03 supports and controls various input / output processing with, for example, a graphical user interface (Graphical User Int.)
erface; GUI).

The control unit 21b controls the operation of the components in the insurance service providing server based on an insurance service providing program installed in a memory such as a ROM, for example, a CPU (Central Processor Unit).

As shown in FIG. 3A, the insurance sales section 21c includes a user information / estimation condition storage section 30a for storing information of a user who wants an insurance estimate and an insurance estimation condition for each user, An estimate response storage unit 30b for storing an estimate response of each insurance company (or agency) for the estimate conditions stored in the estimate condition storage unit 30a, and an insurance company that sends an estimate response based on the estimate conditions input by the user A screening processing unit 30c that ranks (or narrows down) (or narrows down) agencies is provided.

As shown in FIG. 3B, the insurance management unit 21d refers to data in the user information / personal information database 22 and manages the expiration date of the customer's insurance and the like. Referring to the data in the user information / personal information database 22, referring to data in the customer's life plan, providing an optimal insurance service in accordance with a change in a life plan, an insurance optimization processing unit 31b, payment and reimbursement of insurance premiums, an annuity account, etc. Account management unit 31c for managing accounts related to insurance services
Is provided.

User information / personal information database 22
Stores personal information of a user and information on insurance content for each user. For example, by using a relational database system (RDBS), data management and update processing are facilitated.

(Operation of Insurance Service Providing System-Insurance Service Providing Method-) Next, the operation of the insurance service providing system according to the embodiment of the present invention will be described with reference to FIGS.

The insurance service providing system according to the embodiment of the present invention operates as follows in response to the customer accessing and logging in to the insurance service providing server 102 from the user terminal 101 via the electronic network (S401). Start.

(1) The insurance service providing server 102
A service menu screen as shown in FIG. 10 is output on the user terminal 101 via the input / output interface 21a. The user refers to the service menu screen and selects and inputs desired service contents using a mouse pointer, a keyboard, or the like (service selection step, S40).
2).

(2) The control unit 21b determines the service content selected by the user. If the service content is the insurance sales service, the process proceeds to (A-1) and the subsequent processing steps, while the insurance management service is performed. In this case, the processing shifts to the processing steps after (B-1).

(Insurance Sales Service) (A-1) The control unit 21b is
Through a, the user is prompted to input personal information and insurance estimation conditions (S501). It should be noted that the personal information referred to here includes a name, a postal code, an address, a telephone number, a date of birth, a gender, and the like. If the information is already stored in the user information / personal information database 22 once, Inputs the member number, personal identification number, etc. given to the user as personal information. The estimation condition includes information such as the type of insurance, insurance items, insurance amount, and insurance premium.

(A-2) When the user's personal information and the insurance estimation condition are input, the control unit 21b stores the information in the user information / estimation condition storage unit 30a (S5).
02).

(A-3) The insurance company (or agent) operates the insurance service providing server 10 via the insurance company terminal 103.
2 and log in to the user information / estimation condition storage unit 30a.
Is output to the browser screen on the insurance company terminal 103d, and the contents are confirmed (S50).
3). Here, the contents of the quote request are output based on the conditions set in advance by the insurance company (or agency), such as "No business vehicles" and "No more than two accidents". The company (or agency) does not have to receive useless information. Also, since the insurance company (or agency) can check the contents of the quote request only by accessing the insurance service providing server (such as a bidding system), the insurance service is provided with high security. It is possible to do.

(A-4) The insurance company (or agency) sends a response to the quote request, such as the insurance amount and premium, to the insurance service providing server (S504). In addition, it is desirable that the answer to the estimate is input to a dedicated browser screen output by the insurance service providing server 102 on the insurance company terminal 103 in order to prevent information leakage.

(A-5) Upon receiving the quote response from the insurance company terminal 103, the control unit 21b stores the quote response in the quote response storage unit 30b, and all the insurance companies (or agents) that have sent the quote request. ), And waits until responses from () are obtained (S506). And all insurance companies (or agents)
When the responses from are completed, the process proceeds to the following processing steps.

(A-6) The control unit 21b sends an e-mail reply to the insurance company (or agent) to the user terminal 101 to which the estimating condition has been entered (S507).

At this time, the quotation replies of all the insurance companies (or agents) may be transmitted to the user terminal 101, but the screening processing unit 30c sends the quotation responses to the insurance company (or the Stores).
That is, as the first step, selection is performed based on the insurance company (or agent) underwriting standard and underwriting request, and insurance companies (or agents) that are unable or difficult to underwrite are excluded at this stage. Then, as shown in FIG. 8, as shown in FIG. 8, each insurance company (or agent) that has responded to the quote request is determined by comparing parameters such as price discount rate, incidental fulfillment, damage assessment fulfillment, and the like. Scores (S) are determined with reference to customer importance and ranked, and the top 5 insurance companies (or agents)
For example, the insurance company (or agency) that has sent the estimate response is narrowed down based on the conditions and ranking results set in advance by the user.

Here, "price discount rate" and "degree of incidental fulfillment"
Is a value obtained by quantifying the expected discount rate of each company and the degree of enhancement of the ancillary services available to each company with respect to the prospective contract entered by the customer. In addition, "Degree of damage assessment"
Is a numerical value obtained by multiplying the deviation value of the number of employees in charge of insurance service of each company by the deviation value of the reciprocal of the average number of days of insurance payment. The customer importance indicates the degree of importance selected by the user. For example, the user may select a number as 1: normal, 2: slightly important, 3: very important, and the like. Further, “adjustment (p)” in FIG. 8 is a parameter that is adjusted only for the damage assessment, and is defined as p = 1 + the surcharge of the new class number and the discount rate.

(A-7) The user selects an insurance company (or agency) to contract with by referring to the estimate response of the insurance company (or agency) via the user terminal 101 (S508).
The name of the selected insurance company (or agency) is notified to the insurance service providing server 102. Note that the insurance service providing server 102 may periodically notify a follow-up mail or the like in order to urge the user to be notified. Thereby, troubles such as expiration of the expiration date of the insurance can be prevented.

(A-8) Upon receiving the information on the selected insurance company (or agent) from the user, the control unit 21b notifies the insurance company terminal 103 of a request to send an insurance service application form. (S509).

(A-9) When recognizing the request for sending the application form, the insurance company terminal 103 sends the request to the user terminal 101 requesting the application form (S510), and thereafter shifts to normal contract procedure work. (S511). With the above processing steps, a series of insurance sales service flows is completed.

(Insurance Management Service) (B-1) The control unit 21b
a, the user is prompted to enter personal information (S
601). The personal information referred to here is a member number and a password issued at the time of the user registration processing in advance.

(B-2) When the personal information of the user is input, the control section 21b refers to the personal information and refers to the personal information of the user at this stage, such as the information on the life plan, the insurance amount, and the maturity date of the user. User information / insurance information
It is extracted from the personal information database 22 and output to the user terminal 101 on a screen using a graph or the like as shown in FIG. And after outputting the life plan at this stage,
The control unit 21b asks the user whether or not the user wants to change the life plan (S602).

As a result of the question, if the user does not wish to change the life plan, the processing shifts to the processing after the processing step (S405), and if there is an object whose expiration date is imminent, the fact is notified to the user. Notice. On the other hand, when the life plan is to be changed, the process proceeds to the following processing steps.

(B-3) When changing the life plan, the user inputs elements to be changed, such as annual income, owned property, family status, work place, future schedule, and the like. When the input of the information is completed, the insurance optimization processing unit 31b refers to the input information and optimizes the changed personal information (for example, fire insurance is from company A, accident insurance is company B). The insurance combination is output to the user terminal 101 via a screen as shown in FIG. 11 (S603).

(B-4) When the optimal insurance service is output, the user refers to the contents and examines whether or not to change the current insurance contents. The process proceeds to the sales service processing flow, and if no change is made, the series of insurance management services is terminated.

(3) When the user selects another service included in the menu screen shown in FIG. 10, the control unit 21b controls the time limit management unit 31a, the insurance account management unit 31c, and the user information / personal information. It controls the information database 22 to output the selected insurance service to the user terminal 101 via the electronic network (S405).

Here, other insurance services include:
There are an insurance expiration date management service, a premium payment / refund service, a pension account management service, and the like provided by the term management unit 31a. According to the insurance premium payment / refund service, it is possible to easily pay the insurance premium via the electronic network, which has been conventionally required to be paid by cash or bank transfer. The time required to receive the service can be greatly reduced.

(4) When the provision of a series of insurance services is completed, the user logs off from the insurance service providing server 102 (S406).

The insurance service providing system and the insurance service providing method according to the embodiment of the present invention have been described above. The insurance service providing server device according to the embodiment of the present invention has, for example, the configuration shown in FIG. It has a floppy disk drive 72 and an optical disk drive 74. Then, the floppy disk 73 is inserted into the floppy disk drive 72 and the optical disk 75 is inserted into the optical disk drive 74, and a predetermined read operation is performed. Can be installed. Further, by connecting a predetermined drive device, for example, using a ROM 77 serving as a memory device or a cartridge 78 serving as a magnetic tape device,
You can also install programs and read and write data.

The insurance service providing method according to the embodiment of the present invention may be programmed and stored in a computer-readable recording medium. When executing the insurance service providing process, the recording medium is read into a computer system, the program is stored in a storage unit such as a memory in the computer system, and the program is executed by an arithmetic device (or a control device). Thereby, the insurance service providing method of the present invention can be realized. here,
The recording medium is, for example, a semiconductor memory, a magnetic disk,
It includes a computer-readable recording medium capable of recording a program such as an optical disk, a magneto-optical disk, and a magnetic tape.

Further, in the above-described embodiment, the so-called BtoC insurance service for individuals has been described. However, the technical scope of the present invention is not limited to this, and it is applicable to corporations (so-called BtoC insurance services). BtoB)
Of course, insurance services can be provided.

As described above, it should be understood that the present invention includes various embodiments and the like not described herein. Therefore, the present invention must be limited only by the matters specifying the invention according to the claims that are reasonable from this disclosure.

[0059]

According to the insurance service providing system, the insurance service providing method, and the computer readable recording medium storing the insurance service providing program according to the present invention, it is efficient for both customers and insurance companies (or agents). It can realize the provision and management of various insurance services.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a configuration of an insurance service providing system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of an insurance service providing server according to the embodiment of the present invention.

FIG. 3 is a block diagram illustrating a configuration of an insurance sales unit and an insurance management unit according to the embodiment of the present invention.

FIG. 4 is a flowchart illustrating an insurance service providing method according to an embodiment of the present invention.

FIG. 5 is a flowchart illustrating an insurance service providing method according to an embodiment of the present invention.

FIG. 6 is a flowchart illustrating an insurance service providing method according to an embodiment of the present invention.

FIG. 7 is a schematic diagram showing an overview of an insurance service providing server according to the embodiment of the present invention.

FIG. 8 is a schematic diagram illustrating a score extraction process according to the embodiment of the present invention.

FIG. 9 is a schematic diagram showing a configuration of a life plan editing screen according to the embodiment of the present invention.

FIG. 10 is a schematic diagram showing a configuration of an insurance service menu screen according to the embodiment of the present invention.

FIG. 11 is a schematic diagram showing a configuration of an insurance management screen according to the embodiment of the present invention.

[Explanation of symbols]

 20, 102 Insurance service providing server 21a Input / output interface 21b Control unit 21c, 30 Insurance sales unit 21d, 31 Insurance management unit 22 User information / personal information database 30a User information / estimation condition storage unit 30b Estimation response storage unit 30c Screening process Unit 31a term management unit 31b insurance optimization processing unit 31c insurance account management unit 70 computer system 71 display 72 floppy disk drive 73 floppy disk 74 optical disk drive 75 optical disk 76 keyboard 77 ROM 78 cartridge 100 insurance service providing system 101 user terminals 103a to 103d Insurance company terminal

Continued on the front page (72) Inventor Akihiko Hamana 2-4-5 Akasaka, Minato-ku, Tokyo Nissho Iwai Co., Ltd. F-term (reference) 5B049 BB46 CC11 GG00 5B055 CC00 EE04 EE27

Claims (8)

[Claims] A first storage unit for storing insurance service quote request information transmitted via an electronic network; a second storage unit for storing a reply to the quote request information; An insurance service providing apparatus, comprising: a control unit that outputs the answer to a browser screen of a client device that has logged in and transmits the answer to a source of the quote request information via an electronic network. 2. A screening processing unit for selecting a response to the quote request information based on a predetermined condition, wherein the control unit is selected by the screening processing unit for a source of the quote request information. The insurance service providing device according to claim 1, wherein only the answer is transmitted. 3. The predetermined condition includes at least a numerical value relating to a price discount rate, incidental fulfillment, and damage assessment fulfillment, and an importance given to the numerical value given by a source of the estimation request information. The insurance service providing device according to claim 2. 4. An insurance optimization processing unit for referring to information on a change in a life plan transmitted through an electronic network and transmitting an optimum combination of insurances after the change in the life plan through the electronic network. The insurance service providing apparatus according to claim 1, 2 or 3, wherein: 5. A step of outputting, on a browser screen of the client device, insurance service quote request information transmitted to the server device via the electronic network, the insurance service quote request information output on the browser screen. Referencing, inputting an answer to the quote request information in a browser screen, and transmitting the input answer to a source of the quote request information via an electronic network. Service delivery method. 6. The method according to claim 6, further comprising the step of selecting answers to the input quote request information based on predetermined conditions, and transmitting only the selected answers to the source of the quote request information. The insurance service providing method according to claim 5, wherein: 7. The predetermined condition includes at least a numerical value relating to a price discount rate, incidental fulfillment, and damage assessment fulfillment, and an importance given to the numerical value given by a transmission source of estimation request information. The insurance service providing method according to claim 6. 8. The method according to claim 5, further comprising the step of referring to the inputted information on the change of the life plan and outputting an optimum combination of insurances after the change of the life plan via the electronic network. The insurance service providing method according to claim 6 or 7.