JP2003263559A - Insurance contract processing system using prepaid card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To realize an insurance contract processing system with excellent convenience, easiness, instantaneousness, and economy by omitting complicated procedures such as formation of an insurance application form and issue of an insurance policy in contract of an insurance for allowing contract of the insurance in any time in any place. <P>SOLUTION: An insurant previously purchases a prepaid card carrying a specific card identification number and transmits numerical signals representing the card identification number, a post code, an address number, sex, and birthday of the insurant to a management side interchange server storing insurance information matching the card identification number and post code data from a telephone terminal. The insurance information, the insurant information, history information including the connection date are related mutually while using the card identification number as a key. When the insurance contents, the insurant, and the contract date for each card are specified, the insurance contact is made. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance contract processing system using a prepaid card, and more particularly, to an insured that can be transmitted by a card identification number and a numerical signal displayed on a preissued prepaid card for insurance application. The present invention relates to an insurance contract processing system characterized by establishing a contract by transmitting personal attribute information to a management side exchange server using a user side telephone terminal.

[0002]

[Prior Art] The conventional procedure for insurance contract processing is as follows: As a contract conclusion procedure, an insurance diplomat goes to the customer's place to solicit, confirms the intention of the contract after explaining and discussing the insurance content, and then making a contract. Create an insurance application certificate by filling in the address, name, age, sex, etc. of the person insured, the insured, and the beneficiary of the insurance. As the insurance premium payment procedure, the initial insurance premium is received and a receipt is issued, and the subsequent insurance payment method is defined, and if the bank account is debited, the prescribed withdrawal procedure is taken. As a management procedure, an insurance agent takes the above insurance application form back to the agency office and inputs all data relating to the insurance contract content such as the insurance policyholder attributes and insured attributes into the management computer,
This is transmitted to the host computer of the underwriting insurance company, and the underwriting insurance company issues an insurance policy based on the received data and sends it to the contractor. As a renewal procedure, when the contract is canceled or changed, the management computer data of the agency office and the host computer data of the underwriting insurance company are updated each time, and the underwriting insurance company informs the policyholder of this update content. To notify. As an insurance payment procedure, it is customary to confirm the recipient of the insurance and the authenticity of the causal fact to pay the prescribed insurance.

Recently, insurance products that have standardized or limited the purpose, target, period and amount of insurance (for example, golfer insurance, accident insurance at school facilities, property damage insurance for children, travel insurance, etc.) are also available. Many are sold, but the conventional insurance contract processing as described above requires complicated and complicated contract procedures, so it is not convenient and easy, and it takes a certain number of days from the contract request to the effectuation. Therefore, it lacks instantness and has the inconvenience that it cannot be applied to insurance products that set guarantees on an hourly basis, which makes it difficult to spread and develop various types of insurance products. Has become.

Further, in the conventional insurance contract processing,
Unless the insurance company or agent operator manually inputs the data of insurance content such as insurance type, insured person, policyholder, insurance recipient, coverage amount, coverage period, etc. based on the description on the insurance application certificate. Of course, the time and manpower for that are indispensable. Even if the insurance company's time and labor can be saved to some extent, such as in the case of airline passenger insurance, the operating terminal for the insurance contract must be installed. In addition to being limited, the cost burden of the operation terminal is large, and in reality, it is not widely applied to other types of insurance. Furthermore, an insurance subscription system via an internet communication line has been widely adopted in recent years, but in the first place, users can search and browse for the desired insurance type from the insurance company's website and operate the application screen to contract. Performing the procedure is more troublesome than inviting insurance diplomats to carry out the contract procedure as usual, and it is an insurance contract system that has no opportunity for users who do not have or can operate information terminals such as personal computers. There is.

[0005]

SUMMARY OF THE INVENTION The present invention has been made in view of the inconveniences of the above-mentioned conventional insurance contract processing procedure, and it is necessary to prepare an insurance application form through an insurance agent or an agency office when making an insurance contract. Eliminate complicated procedures such as issuance of insurance policies, perform centralized management of various contract information by a low-cost and simple method, and make it possible to conclude insurance contracts at any time and place. This will enable us to realize an insurance contract processing system that is convenient, easy, instant and economical for both users and insurance companies, agents, etc. insurance,
It is an object of the present invention to provide an optimal insurance contract processing system for standardized or limited insurance such as limited term insurance, hourly guarantee insurance, and limited cause insurance.

[0006]

In order to solve the above problems, in an insurance processing system according to the present invention, a user side telephone terminal, at least a prepaid card displaying a unique card identification number, and a card Card identification number that can be entered only by the numerical signal of the telephone terminal on the user side, with insurance information and zip code data corresponding to the identification number stored in advance, with the management side exchange server having both the communication exchange function and the server function as a component. , The postal code and street number of the insured's home address, the gender of the insured and the date of birth are sent to the management side exchange server, and the received information and the address name detected from the postal code data are combined to be insured. As personal information, it is stored as a database in the management side exchange server together with history information including the date and time of disconnection of the telephone line. Correlates the information and the insurance information card identification number as a key, the insurance contents for each card to identify the insured and contract date.

The management-side exchange server has both a normal communication exchange function and a server function, and in addition to ordinary input / output means, storage means, etc., collating means, search means, extraction means, voice conversion means, voice output means, It has a proper means such as a voice synthesizing means and a random number obtaining means, and stores a program designed and stored in advance in C
A computer device that automatically performs a system function by being executed by a PU.

Further, the management side exchange server includes an address name voice file in which an address name corresponding to the postal code data is voiced, and a standard voice file in which a plurality of standard voices for reception, guidance or instruction are stored. The voice information is appropriately searched, extracted, and synthesized, and automatically output to the user's telephone terminal as voice.

The insurance information includes an underwriting insurance company corresponding to each prepaid card, a card selling price, an insurance type,
It consists of insurance attribute information such as insurance amount, guarantee period, accidents covered by guarantee, and card attribute information such as prepaid card issuance date, validity period, dealers, etc. Generate a file.

The prepaid card must be provided with a card identification number display column, and an underwriting insurance company display column, a card price display column, an insurance type display column, an insurance money display column, a warranty period display column, and a covered accident display. A column or the like is appropriately provided with a display column of insurance content corresponding to the insurance information stored in the management-side exchange server, and a telephone number connected to the management-side exchange server and important matters, cautions, etc. are described.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing the entire configuration of an insurance contract processing system according to the present invention. A prepaid card 10 issued and sold in advance and having a unique card identification number, a general telephone, a mobile telephone or A user side telephone terminal 20 such as a public telephone and a management side exchange server 30 having both a communication exchange function and a server function are components. The management-side exchange server 30 is LAN-connected to the host computer 50 of the insurance underwriting company by a router, and is configured to provide input information to the insurance underwriting company in real time.

FIG. 2 is a block diagram of a main part of the management-side exchange server 30. The management-side exchange server 30 has an input means 31 and an output means 3 which are included in a normal communication exchange device and a server device.
2. In addition to the storage means 33, various information collating means 34, searching means 35, extracting means 36 and random number acquiring means 3 are appropriately used.
7, audio conversion means 38, audio output means 39
And voice synthesis means 40. Then, using the card identification number as a key, the database 41 in which the insurance information (A) for specifying the insurance content corresponding to each prepaid card 10 is stored in advance, and the insured person information (B) received from the user side telephone terminal 20. ), Reference information (C), and history information (D) are stored in the databases 42 to 44, and a zip code data file 45 and an address name voice in which an address name corresponding to the zip code data is voiced. A file 46 and a standard voice file 47 storing a reception guide voice are provided.

FIG. 3 is an information file structure diagram showing the concrete contents of each information in the database. Insurance information (A) is underwriting insurance company information (A1) and insurance premium information (A).
2), insurance type information (A3), insurance amount information (A4),
From various information related to insurance attributes and paid card attributes such as warranty period information (A5), target accident information (A6), card issue date information (A7), card expiration date information (A8) and card store information (A9) Therefore, these various kinds of information are generated as a file using the unique card identification number information (X) given to each prepaid card 10 as a key, and stored in the database 41 in advance.

The insured person information (B) is the zip code information (B4) of the insured person received from the user's telephone terminal 20, and the zip code data file 45 based on the zip code information (B4) of the insured person. Insured person's address information (B that combines the detected and acquired address name information and the received chome lot number information)
1), the insured person's sex information (B2) and the insured person's date of birth information (B3), and each of these pieces of information is created as a file using the received card identification number information (X) as a key and stored in the database 42. To be done.

The reference information (C) is arbitrary information that serves as a reference when identifying a policyholder or an insured person. In the present embodiment, it is possible to input only numerical values relatively easily. The caller is composed of home telephone number information (C1) and mobile telephone number information (C2) of the caller. In this case, the caller means a substantial insurance contractor, but is not necessarily insured. The received reference information is generated as a file using the received card identification number (X) as a key and stored in the database 43.

The history information (D) is called telephone number information (D1) of the telephone terminal 20 on the user side acquired by the calling telephone number notification service (number display) provided by NTT at the time of line connection, and the called telephone number information ( D1)
Incoming telephone subscriber information (D2), incoming date and time information (D3), random number obtaining means 37 obtained from telephone directory data or the like based on
The registration authentication number information (D4) and the line cut-off date and time information (D5) which are acquired by the user and notified to the user side telephone terminal 20 at the time of contract, and the received history information (D).
Is generated as a file using the received card identification number information (X) as a key, and stored in the database 44.

FIG. 4 is a front and back view showing an example of a prepaid card used in the system of the present invention. The prepaid card 10 is a card that serves as an insurance application and insurance policy, and is pre-paid by an underwriting insurance company or separately. It is issued by the existing insurance card issuing company and is sold at a price according to the insurance (guarantee) content. To enhance durability and ease of carrying, it is preferable to use a slightly hard plastic plate as a business card. It is preferable to use a large or cash card-shaped molded product, but not limited to this.
It may be a laminated paper or a simple paper material, and does not particularly require a magnetic recording unit.

Further, the prepaid card 10 has unique card identification number information (X) so as to correspond to the contents of the insurance information (A) stored in the management side exchange server 30.
Showing the card identification number display column 11, underwriting insurance company display column 12, card price (insurance fee) display column 13, insurance type (title) display column 14, insurance amount display column 15, warranty period display column 16 and target accident In addition to the display column 17, the connection telephone number (toll-free) display column 18 to the management side exchange server 30 and the insured person name entry column 19 are included in the surface portion 10.
a or the back portion 10b is provided as appropriate, and important items such as insurance receipt conditions and other precautions are described.

Next, using the insurance contract processing system according to the present invention, the procedure until the actual insurance contract is concluded is shown in the flowchart of FIG. 5 and a specific input example by the telephone terminal of FIG. It will be described based on the drawings.

First, as a premise for concluding an insurance contract, a prepaid card 1 of a desired insurance underwritten and guaranteed by the insurance company by face-to-face sales or mail-order sales from convenience stores, bank counters, insurance company counters, sales agents, etc. in advance.
Purchase 0 (St1). Since the insurance contract has not been established at the time of purchasing the prepaid card 10, the purchaser of the prepaid card 10 may be a third party other than the policyholder or the insured person, and whether it is an individual or a group. It doesn't matter. Therefore, it is possible to collectively purchase a large number of gifts or souvenirs.

For those who wish to make an insurance contract, the prepaid card 10
When the line number is connected to the exchange server 30 on the management headquarters side from the telephone terminal 20 on the user side, such as an ordinary telephone, a mobile telephone, or a public telephone, to the toll-free number indicated in the connection number display field 18 of St. The reception voice, which is one of the standard voices stored in (for example, the voice of "Thank you for calling. Please push the number or symbol according to the guidance.") Is reproduced and output by the voice output means 39 (St3). At the same time, the telephone terminal 20
The incoming telephone number information (D1), the subscriber information (D2) and the incoming date and time information (D3) of the telephone terminal acquired from the incoming telephone number information are stored in the storage unit 3 as history information (D).
3 is stored and stored in the history information database 44 (St4), and later associated with other information by using the card identification number information (X) as a key.

Subsequently, a voice instructing the input of the card identification number (for example, the voice of "Enter the identification number on the card and press # at the end.") Is output (St.
5) According to the instruction, when the user inputs and transmits the card identification number information (X) written in the card identification number display field 11 of the prepaid card 10 (St6), the collation means 34 compares it with the insurance information (A ) Database identification number information (X) in the database 41 (St)
7) If it is not recognized as valid, a voice prompting you to enter the correct card identification number again (for example, "Please enter the correct identification number on the card again, and finally #
Please press. Voice is output (St8), and the process returns to the card identification number input step (St6). Despite multiple inputs, if the input number is not recognized as a valid card identification number, a cancellation voice (for example, "This card can not be handled. Please contact the information center on the card or the card purchaser. Is output (St9), the input work is forcibly terminated (End), and the line is disconnected (St41).

If the received card identification number is recognized as valid, then a voice prompting the input of the postal code of the insured person's address (for example, "mail at home of the insured person") is issued. Please enter your number. ”(St10), and when the user inputs and sends the insured's postal code information (B4) according to the instruction (St1).
1) The collating means 34 collates this with the postal code data file 45 to determine whether or not the postal code exists (St12). If the postal code is not recognized as a valid postal code, the correct postal code is re-input. A voice prompting (for example, "There is an error in the postal code. Please input the correct 7-digit postal code again") is output (St13), and the process returns to the postal code input step (St11). And, even if the postal code is input multiple times, if the input code is not recognized as a valid postal code, a stop voice (for example, "The postal code is incorrect. Please check the correct postal code. Please call again. ”(St14), the input work is forcibly terminated (End), and the line is disconnected (St41).

When a valid postal code is input in the step (St11), the extraction means 36 extracts the address name corresponding to the postal code from the address name voice file 4.
6 (St15), and this and the standard voice are synthesized by the voice synthesizing means 40 (St16), and an address confirmation voice (for example, “The insured's residence is XX prefecture ΔΔ city XX”
Is it a town? If it is correct, press #, and if wrong, press *. Is output) (St17). Here, when the signal "*" indicating that it is wrong is received, the re-input instruction voice prompting the input of the postal code again is output (St13), and the postal code input step (St1).
Return to 1). When a signal "*" indicating that the insured's home address name obtained from the input number is incorrect is received despite the multiple input of the zip code,
The stop voice is output (St14), the input work is forcibly terminated (End), and the line is disconnected (St41).

When the signal "#" for confirming that the address name obtained from the postal code data file 45 is correct is received, subsequently, a lot number input instruction voice prompting the input of what number, what number, and number (chome lot number). (For example, the voice saying "Please enter the number such as what number, number, number, etc. after the address name. Please press * for each delimiter. You do not need the apartment / condominium name." ) Is output (St1
8) According to the instruction, when the lot number is input and transmitted from the user's telephone terminal 20 (St19), the insured person's address information (B1) is combined with the address name acquired and confirmed from the postal code data file 45 (St20). ), This is associated with other information such as insurance information (A) using the card identification number information (X) as a key, and stored and stored in the insured person information database 42 as one of the insured person information (B) (St21). .

Next, a sex input instruction voice for asking the sex of the insured person (for example, "1 if the insured person is a male
If you are a woman, please press 2. Is output (St22), and when a numerical value corresponding to the gender of the insured is input according to the instruction (St23), subsequently, an instruction voice asking the birth date of the insured (for example,
"Enter your date of birth in the Christian era and press # at the end. Please add a 0 before the single digit number."
Voice) is output (St25), and according to the instruction,
Enter the date of birth of the person to be insured (St26).
The insured person gender information (B2) and the insured person birth date information (B3) are stored in the insured person information (B) by the storage means 33 together with the insured person address information (B1) and the postal code information (B4). As the insured information database 42,
The card identification number information (X) is used as a key to be stored and stored in association with the insurance information (A), the reference information (C) and the history information (D) (St24, St27).

In a normal case, the insured person is identified and becomes a key by the above-mentioned insured person address information (B1), insured person gender information (B2) and insured person birth date information (B3). The insurance information (A) corresponding to the prepaid card is specified by the card identification number information (X). Of course, there are rare cases where the insured person cannot be identified by the insured information (B) alone (for example, there are twins or siblings or sisters who have the same birth date but the same birth date or other cohabitants). ), As a risk hedge in such a case, a method of inputting the relationship with the householder numerically, or by utilizing a message system, the name voice of the insured who was notified by telephone voice is made into a file and stored. Although it is also possible to consider a method of keeping it, for the purpose of the present invention,
It is not desirable to require the user side to be too complicated and troublesome to input, and given the insurance content suitable for the system of the present invention, it seems reasonable to allow such a risk.

Even if the user is requested to input information other than the insured person information (B) in order to avoid risk hedging or trouble, the present invention can be considered while considering the contents of the insurance. It is necessary to set the degree and items so as not to impair the purpose, and in the present embodiment, the home telephone number information (C1) and the mobile telephone number information of the caller, which are information that can be relatively easily entered by using only numerical values. (C2) is an input request as reference information (C).

That is, when the correct birth date is entered (S
t26), followed by a home phone number input instruction voice (for example, "Enter your home phone number starting with the area code and press # at the end. If not, press *." ) Is output (St28), and according to the voice instruction, the home telephone number information (C1) of the caller or the symbol signal “*” is input (St29), and subsequently, the mobile telephone number input instruction voice (for example, “You Please input the mobile phone number of No. and press # at the end. If you do not have it, press the *.) (St31) is output (St31), and according to the voice instruction, the mobile phone number information (C2) or symbol signal Input "*" (St32). The home telephone number information (C1) and the mobile telephone number information (C2) are stored in the reference information database 43 by the storage means 33 with the card identification number information (X) as a key, the insurance information (A) and the insured person information (B). ) And history information (D), and is stored and stored (St30, St33).

When the input of the reference information (C) is completed,
Next, a guidance voice that informs you that the contract procedure is completed (for example, a voice saying "I will inform you of the registration authentication number. Please prepare a memo. Please press # when you are ready.") Is output (St34), and at the same time,
After the 6-digit registration authentication number is obtained by the random number obtaining means 37 (St35) and the symbol signal "#" from the user side telephone terminal 10 is confirmed, the obtained random number is converted into voice by the voice converting means 38, and this is converted into voice. Synthesize with standard voice (St3
6), Registration certification number notification voice (for example, "Registration certification number is ○○○○○○. Please keep it in a safe place."
Is output) (St37), and then an end voice (for example, "Thank you for registration. This is the contract procedure is completed.") Is output (S).
t38).

At this time, the notified registration authentication number information (D
4) and line cut date information (D)
5) is stored as history information (D) in the history information database 44 in association with the insurance information (A), the insured person information (B) and the reference information (C) using the card identification number information (X) as a key. It is stored (St39, St40).
This concludes all contract work (En
d), the connected telephone line is automatically cut off (St41).

A person who is eligible to receive insurance money in the insurance processing system according to the present invention, the prepaid card 10 to which the registration authentication number is given in the above procedure, and an accident such as a death certificate, a traffic accident certificate, a medical certificate, etc. A person who has submitted documents that can prove the facts and, if necessary, other documents such as the resident card of the accident victim to the underwriting insurance company, the card identification number displayed on the submitted prepaid card 10, and the accident victim If the address and the gender and the date of birth match the card identification number information (X) and the insured person information (B) stored in the management side exchange server 30, the card purchaser, the contractor Insurance information (A) corresponding to the submitted prepaid card 10 regardless of whether (input sender) or insured
The prescribed insurance payment based on

【The invention's effect】

As described above, in the present invention, only the numerical values of the prepaid card identification number, insured postal code, chome lot number, gender and date of birth when concluding an insurance contract are exchanged on the management side. Since it is sufficient to input and send to, it is possible to use a public communication line (telephone terminal) that has a high penetration rate and is easy to operate. Also, as in the past, the intervention of insurance sales representatives or insurance agents, and insurance Since there is no need to create an application certificate or insurance policy, the insurance contract processing system can be extremely easy and simple for both the user side and the insurance company side.

Further, the payment of the insurance premium is completed by the purchase of the prepaid card, the complicated and troublesome contract procedure and the procedure for receiving the insurance premium are not required, and the contract can be immediately put into effect at any time and place. Therefore, it is excellent in convenience, easiness, and instantness, and there is no room for security problems against accidents when insurance premiums are not paid, which has frequently occurred in the past.

Further, the insurance contents corresponding to the insured person and the prepaid card can be automatically specified, memorized and managed by the input and transmission of a simple numerical value from the user side by the telephone terminal. Since no new data entry by an agent is required, the time, labor, equipment, etc. for that purpose can be saved, and the processing cost can be greatly reduced.

Further, in the insurance contract processing system according to the present invention, since it is possible to issue and sell various kinds of prepaid cards corresponding to the insurance type, coverage object, coverage period, insurance amount, etc. In addition to expanding the selection range on the side of the side, it is possible for the insurance company side to develop various products, especially one-time type insurance, limited time type insurance, time unit guarantee type insurance, accident coverage limited type insurance, etc. It is more effective for uniform or limited insurance.

Further, in the insurance contract processing system according to the present invention, it is not necessary for the prepaid card purchaser or contractor and the insured person or insurance recipient to be the same, and at any time when a contract is desired. Since the insurance contract can be activated on a time-by-time basis, it becomes easy to use the prepaid card as a gift or souvenir, and it is possible to contribute to the spread of insurance by mass purchase.

[Brief description of drawings]

FIG. 1 is a block diagram showing an overall configuration of the present invention.

FIG. 2 is a block diagram of a main part of a management-side exchange server according to the present invention.

FIG. 3 is a file configuration diagram showing specific information contents of each information stored in the management side exchange server in the present invention.

FIG. 4 is a front and back view showing an example of a prepaid card used in the present invention.

FIG. 5 is a flowchart exemplifying the process of actually concluding an insurance contract using the present invention.

FIG. 6 is a diagram showing a specific input example by the telephone terminal in the above.

[Explanation of symbols]

10 prepaid card 11 Card identification number display field 18 Line connection number display column 20 User side telephone terminal 30 Management side exchange server 33 storage means 34 Verification means 37 Random number acquisition means 39 audio output means 41 Insurance information database 42 Insured Information Database 43 Reference Information Database 44 History information database 45 Zip code data file 46 Address name audio file 47 standard audio files (A) Insurance information (B) Insured information (C) Reference information (D) History information

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Hiromasa Asakawa             3-26-14 Motomachi, Saitama City, Saitama Prefecture (72) Inventor, Sparrow Ken             1-12-17 Shirokane, Minato-ku, Tokyo (72) Inventor Fuze Ise             2-40-1 Maihama, Urayasu City, Chiba Prefecture

Claims (5)

[Claims] 1. A user side telephone terminal, and a prepaid card displaying at least a unique card identification number,
Insurance information and postal code data corresponding to the card identification number are stored in advance, and a management side exchange server having both a communication exchange function and a server function is used as a component, and the card identification number of the user side telephone terminal and the insured person The zip code, chome lot number, gender, and date of birth are input and transmitted as numerical signals to the exchange server on the management side, and the exchange server on the management side synthesizes the address name detected from the postal code information with the received chome lot number. Address information, the received sex information, and the received birth date information as insured information, and stored and stored in a database together with history information including line disconnection date and time information. By associating the insurer information, history information, and the insurance information with each other using the card identification number as a key, the insurance content, insured person, and contract date and time of each card can be specified. Insurance contract processing system using a prepaid card which is characterized in that. 2. The management side exchange server includes, in addition to ordinary input / output means, storage means, etc., collation means, search means, extraction means, voice conversion means, voice output means, voice synthesis means, random number acquisition means, etc. The insurance contract processing system using a prepaid card according to claim 1, characterized in that the computer apparatus has appropriate means, and automatically executes a system function when a CPU executes a predesigned and stored program. . 3. The management-side exchange server comprises an address name voice file in which an address name corresponding to postal code data is voiced, and a standard voice file in which a plurality of standard voices for reception or input instruction are stored. 3. The insurance contract processing system using a prepaid card according to claim 1, wherein these voices are appropriately searched, extracted, and synthesized, and are appropriately and automatically output to the user side telephone terminal. 4. The insurance information includes an underwriting insurance company corresponding to each of the prepaid cards, a card selling price, an insurance type, an insurance amount, a guarantee period, with a card identification number as a key.
4. An insurance contract using a prepaid card according to claim 1, which comprises insurance attribute information such as accidents covered by guarantee and card attribute information such as the issue date, validity period, and dealer of the prepaid card. Processing system. 5. The prepaid card is indispensably provided with a card identification number display field and a connection telephone number to the management side exchange server, and an insurance company display field, a card price display field, an insurance type display field, and an insurance claim display. Columns, warranty period display columns, target accident display columns, etc. are provided as appropriate to indicate the insurance content stored in the management side exchange server and the corresponding insurance content, and important matters and cautions are arbitrarily described. The insurance contract processing system using the prepaid card according to any one of claims 1 to 4.