JP2005242680A - Insurance business system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance business system preventing leakage of customer information of an insurance agent to another insurance agent within the same insurance agent association configured of a plurality of insurance agents. <P>SOLUTION: A staff in an association head office registers information on the insurance company side in an insurance business management server through an association head office terminal. Each of agent terminals registers the customer information of each of the agents to the insurance business management server. The association head office side sets an access right to the insurance business management server hierarchically on respective association branch sides and the respective insurance agent sides. Each of the agent sides can acquire only the information about a customer dealt by the own agent from the insurance business management server. Each of the association branch sides can acquire information about a customer dealt by the insurance agent under the management of the own branch from the insurance business management server. In this way, the insurance agent inside the insurance agent association can prevent leakage of the information about the customer dealt by the own agent to another insurance agent belonging to the same association. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an insurance business system, and more particularly to an insurance business system that transmits and receives information between devices of an insurance company and an insurance agency via a network.

In the past, life and non-life insurance companies have entrusted their insurance operations to multiple insurance agents, including small and medium-sized companies. However, in addition to intensifying competition among insurance agents in recent years, small and medium-sized insurance agents are more likely to receive evaluations from insurance companies such as “leading to lower competitiveness among insurance companies” and “poor know-how”. There were many disadvantages in terms of sales compared to large insurance agents.
In order to deal with such problems, mainly small and medium-sized insurance agents worked together to establish an insurance agent association to face large-scale insurance agents.

  Meanwhile, insurance companies provided their customer information to insurance agents. This is because the insurance company gives a set of passwords and IDs to each insurance agent in advance, so that each insurance agent pulls out only the information of the customer in charge of the agent from the server of the insurance company. He was engaged in various services such as insurance contracts. Similarly, the insurance company side gives a set of passwords and IDs to the insurance agency association.

One of the prior arts in which the insurance agent side as described above extracts customer information from the insurance company side is a health management system such as an agent disclosed in Patent Document 1. In Patent Document 1, by creating scripts for connecting to servers of a plurality of insurance companies, it is possible to easily extract customer information from servers of insurance companies whose access methods are different from each other.
JP 2001-325443 A

However, the conventional system for providing customer information to the insurance agent side has the following problems.
(1) Since the insurance company gives only one password and ID to the insurance agency association, each insurance agency that makes up the insurance agency association must Customer information could also be retrieved. For this reason, each insurance agent belonging to the union has a problem that customer information of its own agent is leaked.
(2) In addition, when an insurance agent operates alone without joining an insurance agent association so that customer information is not leaked, a large-scale insurance agent in the competition between insurance agents as described above There was a possibility of worshiping the dust.

  The present invention has been made in view of the above problems, and in an insurance agency association composed of a plurality of insurance agents, customer information of the insurance agent leaks to other insurance agents in the same association. The purpose is to provide an insurance business system that prevents this.

  In order to achieve this object, the present invention is managed by the headquarters of an insurance agency association comprising an insurance company host server managed by an insurance company and two or more insurance agents acting on behalf of the insurance company. An insurance business system comprising an insurance business management server and an agency terminal used by each insurance agency, wherein the insurance company host server stores customer information for customer information of the insurance company Storage means and customer information transmission means for transmitting the customer information of the insurance company to the insurance business management server in response to the acquisition request, and the insurance business management server is connected to the insurance company host server. The access right setting means for setting the access right from each insurance agent to the received customer information according to the hierarchy and the acquisition request for the received customer information based on the access right And having a customer information agency transmitting means for transmitting to the retentivity terminal.

  The insurance business system according to the present invention further includes a customer terminal used by an insurance customer, and the insurance agency terminal transmits information indicating the business contents of the insurance agency to the insurance business management server. The insurance business management server generates advertisement information of the insurance agent based on the information indicating the business contents of the insurance agent received from the agent terminal, and distributes the generated advertisement information to the customer terminal It has the advertising information distribution means to do.

  The insurance business system according to the present invention further includes a depositing device that is managed by a financial institution and used for depositing insurance premiums. When the insurance premium is deposited by the customer, the premium deposit is completed. A payment notification means for notifying the financial institution server that the transaction has been made, and the agency terminal has a contract content registration means for transmitting and registering the contract content information indicating the description contents of the customer's insurance contract application form to the information distribution server. The insurance business management server checks the payment status of the insurance premium managed by the financial institution server with the registered contract content information, and takes charge of the payment status of the customer who applied for the insurance contract. It has a deposit status notifying means for notifying the insurance agent agent terminal.

  In the insurance business system according to the present invention, the payment notification means transmits identification information for identifying a customer to be paid to the financial institution server.

  Further, in the insurance business system according to the present invention, the insurance company host server calculates an insurance premium in response to an insurance premium estimation request transmitted from the agency terminal, and transmits the estimation result to the agency terminal. It has the means.

  Further, in the insurance business system according to the present invention, the insurance business management server converts the quotation request transmitted from the agency terminal into a file format designated in advance by the insurance company, and the converted quotation request is the insurance company host server. The estimate request conversion means for transmitting to the client and the estimate result transmitted from the insurance company host server are converted into a file format designated in advance by the insurance agent, and the converted estimate result is transmitted to the agent terminal. Means.

  The present invention includes an insurance company host server managed by an insurance company, an insurance business management server managed by the headquarters of an insurance agency association composed of two or more insurance agents acting on behalf of the insurance company, An insurance business system comprising an agent terminal respectively used by an insurance agent, wherein the insurance company host server stores customer information storage means for storing customer information of the insurance company; Customer information transmission means for transmitting the customer information of the insurance company to the insurance business management server in response to the acquisition request, and the insurance business management server receives each of the customer information received from the insurance company host server. Access right setting means for setting access rights from insurance agents by hierarchy, and customer information for transmitting received customer information to the agency terminal that requested acquisition based on the access rights. In order to prevent leakage of customer information of insurance agents to other insurance agents in the same association within an insurance agent association comprised of multiple insurance agents. can do.

<Configuration>
The insurance business system configuration in the embodiment of the present invention will be described below.
FIG. 1 is a diagram showing a configuration of an insurance business system according to an embodiment of the present invention.
As shown in the figure, the insurance business system includes an insurance business management server 10, an union headquarter terminal 11, an union branch terminal 12, an agency terminal 13, a customer terminal 20, a financial institution server 30, and a depositing device 31. And an information providing server 40, an insurance company host server 41, a database server (hereinafter referred to as DB server) 42, and a network 100.
The insurance business management server 10, the customer terminal 20, the financial institution server 30, and the information providing server 40 are connected via a network 100 such as the Internet.

In the present embodiment, the insurance agency association performs agency work such as insurance enrollment procedures in response to requests from customers. Here, the insurance agent association is an organization in which a plurality of independent insurance agents jointly perform various insurance procedures. In this insurance agent union, each union branch manages one or more insurance agents, and the union headquarters has an organizational structure that supervises a plurality of union branches distributed in each region.
The union headquarters described above operates the union headquarters terminal 11 to manage the insurance business management server 10.
The insurance business management server 10 is composed of a high-end PC (personal computer) such as a workstation. The insurance business management server 10 provides various information on each insurance company, each insurance agency, and the like to a customer who desires to entrust the insurance business agency to the insurance agency association. The insurance business management server 10 is connected to the union headquarters terminal 11, the union branch terminal 12 and the agency terminal 13 via a dedicated line such as the Internet or a LAN.
The union headquarters terminal 11 described above is an information processing device such as a PC operated by the union headquarters (the staff), and executes processing such as data input / output with respect to the insurance business management server 10.
The union branch terminal 12 is an information processing apparatus such as a PC used by each union branch (employee) described above, and performs processing such as data input / output with respect to the insurance business management server 10.
The agency terminal 13 is an information processing apparatus such as a PC used by each insurance agency (employee) described above, and performs processing such as data input / output with respect to the insurance business management server 10.

  The insurance business management server 10 described above transmits various information such as each insurance company and each insurance agency to the customer terminal 20. The customer terminal 20 is an information processing apparatus such as a PC used by a customer who enters into an insurance contract with an insurance company via an insurance agent (insurance agent association). The customer uses the customer terminal 20 to access the homepage of each insurance agent stored in the insurance business management server 10 and obtain information.

Further, the customer terminal 20 transmits a payment request such as an insurance fee to the financial institution server 30. The financial institution server 30 is an information processing apparatus managed by a financial institution such as a bank or a credit union, and is composed of a high-end PC such as a workstation. This financial institution server 30 manages account information such as customers and insurance agency associations established by financial institutions.
One or more depositing apparatuses 31 are connected to the financial institution server 30 via a network such as a dedicated line. This depositing device 31 is an information processing device managed by a financial institution or the like, and may be, for example, an ATM (Automatic Tellers Machine) installed at each branch of the financial institution. When the depositing device 31 recognizes the deposit from the customer, the depositing device 31 transmits a notification that the deposit has been made to the financial institution server 30.
The financial institution server 30 performs a transfer process to the account of the insurance agency association or a withdrawal process from the customer account to the insurance agency association account in accordance with the received payment notification received from the customer terminal 20. In addition, the financial institution server 30 transmits information indicating that the customer has received money to the insurance business management server 10.

Further, when the insurance business management server 10 is requested by the customer terminal 20 to calculate the insurance estimate, the insurance business management server 10 provides information (insurance type, insurance application start date, insurance application end date, etc.) indicating the conditions of the estimate designated by the customer. The information is transmitted to the information providing server 40, and the calculation of the estimate is requested.
The information providing server 40 is an information processing apparatus managed by an insurance company that provides insurance services to customers, and is configured by a high-end PC such as a workstation. When the information providing server 40 receives the information indicating the insurance estimation condition from the insurance business management server 10, the information providing server 40 outputs the received information indicating the estimation condition to the insurance company host server 41.

  The insurance company host server 41 is an information processing apparatus managed by the above insurance company, and is composed of, for example, a high-end PC such as a workstation. The insurance company host server 41 calculates the estimated amount based on the estimation condition information received from the information providing server 40. Further, the information providing server 40 outputs information indicating the estimation result output by the insurance company host server 41 to the DB server 42.

  The DB server 42 is an information processing apparatus managed by the insurance company, and is configured by a high-end PC such as a workstation. The DB server 42 stores the estimation result information received from the information providing server 40 for each customer.

(Setting of information access right in insurance business system)
Hereinafter, the access right to the customer data set in the insurance business system in the present embodiment will be described.
The insurance company host server 41 and DB server 42 store information on customers who have contracted with the insurance company. In order to access the information in the insurance company host server 41 and the DB server 42, authentication information (password and ID) is required, and each insurance company uses this authentication information as a proxy for the insurance contract procedure of this insurance company. Distribute one set to each insurance agent or union. Each insurance agent side or each union side can access only the information of the customer who acted for the insurance contract procedure by using the distributed authentication information.
A set of passwords and IDs is also given to the insurance agency association in the present embodiment. Only union headquarters employees are aware of this password and ID and are not known to other union branches and other insurance agency staff. The staff of the union headquarters operates the union headquarters terminal 11 and registers the information in the insurance company host server 41 and the DB server 42 in the insurance business management server 10 using the authentication information distributed from the insurance company.

On the other hand, the union headquarters distributes authentication information (password and ID) for accessing the insurance business management server 10 to each union branch and each insurance agency, separately from the password and ID distributed from the insurance company.
In addition, the insurance business management server 10 sets the access rights of the union headquarters, each union branch, and each insurance agency for the own server at different levels according to hierarchy. The union headquarters, each union branch, and each insurance agency can access the insurance business management server 10 within the scope of the access right set for itself by the password and ID distributed from the union headquarters.
This access right will be described in detail. The association headquarters terminal 11 can access information related to all insurance agents belonging to the insurance agent association in the insurance business management server 10. The union branch terminal 12 can access only information related to each insurance agent under its own branch among the information stored in the insurance business management server 10. Further, the agency terminal 13 can access only information related to the self-insurance agency among the information stored in the insurance business management server 10.

  As described above, the union headquarters side sets access rights to the insurance business management server 10 on each branch side and each agency side, and is responsible for the customer information of the entire insurance agency association acquired from the insurance company side. Since only customer information is provided to each branch and each agency, each union branch or each insurance agency has an unlimited flow of customer information to other branches and agencies belonging to the same union. This can be prevented.

(Management of dedicated pages)
In addition, the insurance business management server 10 stores dedicated content (hereinafter, a dedicated page) including information regarding each branch and each agency for each branch and each agency. Hereinafter, the management method by the insurance business system of the dedicated page will be described.

  Each branch and each agency can access and browse only their own dedicated pages by inputting the authentication information given from the above-mentioned union headquarters using their own terminals. The dedicated page for each branch includes information on each insurance agent managed by the branch in addition to the information on the branch.

Further, the union headquarters can use the union headquarters terminal 11 to access all dedicated pages and rewrite and browse the contents.
The union headquarters terminal 11 periodically transmits an acquisition request for various information related to insurance (insurance product information, etc.) to the insurance company host server 41 via the information providing server 40. When the union headquarters terminal 11 receives various information related to the insurance from the insurance company host server 41, the insurance headquarters terminal 11 displays the insurance information on the dedicated page of the insurance agency that handles the insurance company and the union branch that manages the agency. Write.
Furthermore, the union headquarters terminal 11 can also write the communication items from the union headquarters to each branch / agency on the dedicated page of the branch / agency of the contact.

For example, the dedicated page includes various information as shown below.
・ Personal data of customers in charge of insurance agents ・ Contract status of customers in charge of insurance agents ・ Payment status from customers in charge of insurance agents ・ Information on insurance companies handled by insurance agents (information on insurance products, etc.) )
・ Sales results of own agency ・ Communications from union headquarters In this way, each branch and agency uses their own terminals to access their own content, so information about their customers and insurance companies It is possible to avoid an unlimited risk of leaking to other branches and agents belonging to the same union, and it is possible to easily acquire information on such confident customers and insurance companies.

<Operation>
The operation of the insurance business system in the embodiment of the present invention will be described below.
(Providing advertising information)
FIG. 2 is a diagram showing an information management operation by the insurance business system. FIG. 3 is a sequence chart showing a flow of an operation of providing advertisement information on the insurance agency association side by the insurance business system. Hereinafter, the description will be made with reference to the drawings.

First, each insurance agent registers information indicating the advertisement of its own agent in the insurance business management server 10 using the agent terminal 13 (step S101). The contents of this advertisement include the business contents such as the PR text of the agency, the address, the specialty item (type of insurance such as fire insurance and earthquake insurance), and the name of the insurance company that is handled.
Similarly, each union branch registers information indicating its own branch advertisement in the insurance business management server 10 using the union branch terminal 12 (step S102). The advertisement contents of each union branch include the PR statement of its own branch, specialty items (type of insurance such as fire insurance, earthquake insurance, etc.), the name of the insurance company that handles it, the name of the agency that can be appointed, the business of the branch / agent Contents are included.
When the advertisement information described above is registered from the association branch terminal 12 or the agency terminal 13, the insurance business management server 10 automatically creates a homepage for each branch and each agency using the registered advertisement information. It accumulates in its own server (step S103).
The customer terminal 20 accesses the insurance business management server 10 (step S104), and acquires and displays the accumulated homepage (step S105).
In this way, the customer can acquire information on a plurality of insurance agents and union branches stored in the insurance business management server 10, so that the customer can easily acquire information on the insurance that he / she wishes to join. Is possible. In addition, the insurance agency association can easily notify the customer of insurance agency services that can be provided by the insurance agency association and can carry out effective sales activities.
Further, customer data collected by questionnaires on the homepage is stored in the insurance business management server 10.

(Deposit management operation)
After browsing the website of the insurance agent, etc., the customer visits the insurance agent that meets his / her conditions (handling insurance items, geographical conditions, etc.) and fills in the necessary information on the contract documents, etc. And carry out insurance policy procedures. Thereafter, the customer uses the customer terminal 20 to deposit insurance contract money to an insurance agent (insurance agent association).
FIG. 4 is a diagram showing an example of a deposit management operation by the information distribution system. 5 and 6 are sequence charts showing the flow of deposit management operation by the information distribution system. Hereinafter, the deposit management operation when depositing insurance contract money from the customer side to the insurance agent side will be described with reference to the figure.

  First, a customer visits an insurance agent and performs an insurance contract procedure. At this time, the customer fills in the necessary items on the contract application form at the insurance agent window. In this contract application form, the details of the insurance contract desired by the customer (insurance type, insurance premium level, application period, etc.) and the customer's own personal data are entered. The insurance agent staff inputs the above insurance contract contents and personal data using the agent terminal 13. The agency terminal 13 transmits and registers the input various information to the insurance business management server 10 (step S201).

When the insurance business management server 10 receives various pieces of customer information from the agency terminal 13, the insurance business management server 10 issues ID (IDentification) information (hereinafter, customer number) for identifying the customer (step S202).
This customer number includes a predetermined number of branch codes for identifying the branch, a predetermined number of contact codes for identifying the person in charge of the agency, and a predetermined number of customer codes for identifying the customer. And a character string of a predetermined number of digits.

Next, the insurance business management server 10 generates uplift data using the received various kinds of customer information (step S203).
The raised data is data in which various information of customers who have made the insurance contract are arranged in respective items designated in advance. FIG. 7 is a diagram showing an example of the product data. As shown in the figure, the encumbrance data consists of "customer number", "customer name", "insurance agent number", "in charge", "amount", "scheduled deposit date of insurance contract", Information of each item such as “insurance item”, “insurance application start time”, “insurance application end time”, “remark 1”, “remark 2” is associated with each other for each customer. In this “Remark 1”, the past non-payment history of the customer provided from the insurance company side is written. Also, in “Remark 2”, the reason (for example, delay in payment timing, difference in deposit amount, etc.) is written if there is a deficiency in the customer's payment.

The insurance business management server 10 transmits information indicating the issued customer number to the association branch terminal 12 and the agency terminal 13 (step S204).
The agency terminal 13 notifies the customer of the customer number by transmitting the received customer number to the customer terminal 20 (step S205).

  Thereafter, the customer visits a branch of a financial institution and deposits insurance contract money using the deposit apparatus 31. Upon confirming payment from the customer, the depositing device 31 instructs the financial institution server 30 to deposit insurance contract money (step S206). Further, at the time of depositing, the customer inputs his / her customer number notified in advance using the depositing apparatus 31 and transmits information indicating the entered customer number to the financial institution server 30. The financial institution server 30 executes a depositing process according to the deposited notification from the depositing apparatus 31, and holds the execution history as financial institution data.

The insurance business management server 10 periodically inquires of the financial institution server 30 whether or not there is payment from the customer (step S207).
In response to the inquiry, the financial institution server 30 transmits financial institution data indicating the payment status of the customer to the insurance business management server 10 (step S208). FIG. 8 is a diagram showing an example of the financial institution data. As shown in the figure, the financial institution data is configured such that information of each item such as “customer number”, “customer name”, “payment amount”, and “payment date” is associated with each other for each customer.

  Next, the insurance business management server 10 collates the financial institution data received from the financial institution server 30 with the above-mentioned deposit data, and whether each customer has not yet received the contract money or has matched the contract In step S209, it is determined whether or not the payment has been completed.

As a result of this collation, when the insurance business management server 10 determines that the customer has not yet received the insurance contract money (step S209 / non-payment), out of the customers managed by the deposit data, the non-payment The customer's standing data is extracted as payment waiting data (step S210). FIG. 9 is a diagram showing an example of the payment waiting data. As shown in the figure, the payment waiting data is data in which an item of “payment date” is added to the deposit data, and the item of “payment date” is blank for non-payment.
Thereafter, the process returns to the determination process of whether or not the deposit in step S209 is completed.

Further, as a result of the collation, the insurance business management server 10 determines that no deposit has been made according to the contract conditions (payment amount, scheduled deposit date, etc.) indicated in the deposit data, such as insufficient payment (step S209 / mismatch). , Using the deposit data of the customer with the payment deficiency, generate information indicating that the customer has deficiency in payment, for example, by e-mail, etc. The data is transmitted to the agency terminal 13 and the union branch terminal 12 of the agency (step S211).
When the insurance agent receives the information indicating the insufficient payment using the agency terminal 13, the insurance agent notifies the customer terminal 20 of the corresponding customer of the insufficient payment by e-mail, FAX, or the like (step S212).
When the customer receives the notification of the payment failure, the customer performs the payment process again.

  If the insurance business management server 10 determines that the deposit has been made under the conditions indicated in the deposit data as a result of the above collation (step S209 / match), the customer's deposit data is extracted and the deposit is completed. Data is generated (step S213). FIG. 10 is a diagram showing an example of the payment completion data. As shown in the figure, the payment completion data is configured by adding an item of “payment date” to the deposit data of the customer who made the deposit according to the conditions.

Next, the insurance business management server 10 generates receipt data indicating that the insurance contract money has been received based on the generated payment completion data (step S214), and uses the generated receipt data as the union branch terminal 12 And it transmits to the agency terminal 13 by e-mail or the like (step S215). At this time, the insurance business management server 10 generates a receipt number which is identification information of the generated receipt data, and as shown in FIG. 11, the generated receipt number is used for the customer who issued the receipt data. Write in the payment completion data.
The insurance agency uses the agency terminal 13 to transmit the received receipt data to the corresponding customer terminal 20 (step S216).

Next, the agency terminal 13 transmits information on items such as “securities number”, “insurance company”, “insurance payment method” among the items described in the contract application to the insurance business management server 10. (Step S217). At this time, as shown in FIG. 12, the insurance business management server 10 writes the registered items such as “securities number”, “insurance company” and “insurance payment method” in the payment completion data of the corresponding customer. .
Thus, the insurance business system ends the deposit management operation.

  In this embodiment, the customer visits the insurance agency and fills in the necessary information on the contract application form. However, the customer terminal 20 is used to send the contents of the contract application form to the agency terminal 13 as electronic data. You may make it transmit by.

  In the present embodiment, the customer has made a deposit using the depositing device 31 installed in a branch of a financial institution, but in addition, the customer terminal 20 is used to utilize online banking technology. You may make it deposit to the account of the insurance agency association. At the time of deposit processing, the customer uses the customer terminal 20 to input a deposit amount, a customer number, and the like and transmits them to the financial institution server 30.

  In this embodiment, the union headquarters notified the branch / agency side of the information and receipt data that the payment was incomplete, by e-mail. You may make it notify to the branch and agency side by writing the said payment condition on the exclusive page of a store.

  As described above, when depositing the insurance contract money, the customer side inputs his / her customer number along with the deposit amount and transmits it to the financial institution server 30, and the insurance business management server 10 uses the customer number. The payment data stored in the financial institution server 30 is checked against the insurance contract conditions, and the payment status is notified to the branch / agency side. It is possible to easily grasp the payment status of the customer in charge without performing complicated work such as checking the payment status by comparing the plurality of paper documents.

(Management operation of insurance contract contents)
After generating the payment completion data, the insurance agency association can add and manage the contents of the contract application form entered by the customer in the payment completion data. FIG. 13 is a sequence chart showing the flow of the management operation of the description contents of the contract application form by the insurance business system. Hereinafter, the description will be made with reference to the drawings.

When payment from the customer is completed, the insurance agency association sends the contract application form to the insurance company that has signed the contract by FAX or the like.
The insurance company inputs the contents of the contract application form to the insurance company host server 41 through a terminal device (not shown) (step S301).

  On the other hand, the insurance business management server 10 sends information for inquiring whether or not the contents of the contract application form are written in the insurance company host server 41 to the insurance company host server 41 via the information providing server 40 for a certain period of time. (Step S302). At this time, the insurance business management server 10 transmits a customer number, a security number, a person-in-charge number, etc. to the insurance company host server 41 together with the inquiry request.

  When the insurance company host server 41 receives the inquiry request from the insurance business management server 10, the insurance company host server 41 extracts the contents of the corresponding contract application form from its own server, and the information providing server 40 extracts information on the contents of the extracted contract application form. Is transmitted to the insurance business management server 10 (step S303).

  The insurance business management server 10 extracts the customer number, securities number, person-in-charge number, etc. from the contents of the contract application received from the insurance company host server 41, and extracts the payment completion data corresponding to them from the own server (step) S304).

The insurance business management server 10 adds the contents of the received contract application form to the extracted payment completion data and stores it (step S305).
In this way, the insurance business management server 10 adds the contents of the contract application managed by the insurance company host server 41 to the payment completion data, so that the insurance agency association side gives more detailed information about the customer. The information can be retained, and more effective sales activities can be performed by using the information.

(Estimation calculation operation)
Prior to a formal contract, the customer visits the insurance agent and requests an insurance quote from the agent. FIG. 14 is a diagram illustrating an insurance estimate calculation operation by the insurance business system. FIG. 15 is a sequence chart showing the flow of the insurance estimate calculation operation by the insurance business system. In the following, the operation by the insurance business system until the customer desires an estimate and the insurance agency association and the insurance company return the estimate result to the customer according to the drawing will be described.

First, the insurance agent side requests the insurance business management server 10 to obtain an estimate request form for inputting the conditions of an insurance contract to be estimated using the agent terminal 13 (step S401).
In response to the acquisition request, the insurance business management server 10 transmits an estimate request form to the agency terminal 13 (step S402).
The insurance agent side uses the agency terminal 13 to input the insurance contract conditions in each item of the quotation request form, and transmits each item of the input insurance contract conditions to the insurance business management server 10 (step). S403). The items of the insurance contract condition include, for example, an insurance item, an insurance company, a premium level (high or low), an insurance contract period, and the like.

The insurance business management server 10 extracts information indicating the insurance company to which the customer wants the insurance contract from the insurance contract conditions received from the agency terminal 13, and this insurance contract condition information is preliminarily stored by the insurance company to which the contract is desired. Conversion to a designated file format (for example, CSV: Comma Separated Value) is performed to generate estimation request data (step S404).
The insurance business management server 10 transmits the generated estimate request data to the insurance company host server 41 via the information providing server 40 (step S405).

The insurance company host server 41 calculates an estimated amount based on each item of the insurance contract condition included in the estimation request data, and generates estimation result data indicating the estimated amount (step S406).
For example, the insurance company host server 41 calculates the estimated amount as follows. The insurance company host server 41 stores in advance data indicating the insurance products provided by the insurance company and their insurance premiums. The insurance company host server 41 corresponds to the insurance item, insurance premium level, insurance contract period, etc. designated by the customer. Extract the insurance product and the amount of the insurance premium. In this way, the insurance company host server 41 calculates the estimated amount.

  The insurance company host server 41 transmits the generated estimation result data to the insurance business management server 10 via the information providing server 40 (step S407). At this time, the information providing server 40 passes the estimation result data received from the insurance company host server 41 to the DB server 42. The DB server 42 stores the received estimation result data for each customer.

  The insurance business management server 10 converts the estimation result data received from the insurance company host server 41 into a file format (for example, PDF: Portable Document Format) designated in advance by the branch office and agency of the transmission destination (step S408). ), And transmits the converted estimation result data to the transmission destination (step S409).

  As described above, each branch / agency requests the insurance business management server 10 to estimate the insurance contract requested by its customer using the branch / agency terminal, and the insurance business management server 10 Since the insurance company host server 41 is requested to calculate the estimate of the insurance contract and the estimate result data is provided to the branch / agent terminal of the acquisition request source, each union branch or each insurance agent It is possible to obtain information about one's own customer without the information leaking indefinitely to other branches and agents belonging to the same union.

<Summary of Embodiment>
The configuration of the insurance business system is merely an example with reference to the drawings, and the numbers of association branch terminal 12, agency terminal 13, information providing server 40, insurance company host server 41, DB server 42, and the like are shown in the figure. It is not limited.

  In addition, the above processing includes the information distribution server 10, union headquarter terminal 11, union branch terminal 12, agency terminal 13, customer terminal 20, financial institution server 30, payment apparatus 31, information providing server 40, and insurance company host server 41. Or the computer program of the DB server 42. The program is recorded on a recording medium such as an optical recording medium, a magnetic recording medium, a magneto-optical recording medium, or a semiconductor, and is loaded from the recording medium. Alternatively, it may be loaded from an external device connected via a predetermined network.

  The above-described embodiment is an example of a preferred embodiment of the present invention. The embodiment of the present invention is not limited to this embodiment, and various modifications may be made without departing from the scope of the present invention. Is possible.

It is a figure which shows the structure of the insurance business system in embodiment of this invention. It is a figure which shows the information management operation | movement by an insurance business system. It is a sequence chart which shows the flow of provision operation | movement of the advertisement information of the insurance agency association side by an insurance business system. It is a figure which shows an example of the payment management operation | movement by an information delivery system. It is a sequence chart which shows the flow of the payment management operation | movement by an information delivery system. It is a sequence chart which shows the flow of the payment management operation | movement by an information delivery system. It is a figure which shows an example of the raising data. It is a figure which shows an example of financial institution data. It is a figure which shows an example of payment waiting data. It is a figure which shows an example of payment completion data. It is a figure which shows an example of the payment completion data after receipt number writing. It is a figure which shows an example of the payment completion data after writing securities number etc. FIG. It is a sequence chart which shows the flow of management operation | movement of the description content of the contract application by an insurance business system. It is a figure which shows the insurance estimate calculation operation | movement by an insurance business system. It is a sequence chart which shows the flow of the insurance estimate calculation operation | movement by an insurance business system.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Insurance business management server 11 Union headquarters terminal 12 Union branch terminal 13 Agency terminal 20 Customer terminal 30 Financial institution server 31 Depositing apparatus 40 Information provision server 41 Insurance company host server 42 DB server 100 Network

Claims (6)

An insurance company host server managed by an insurance company, an insurance business management server managed by the headquarters of an insurance agency association comprising two or more insurance agents acting on behalf of the insurance company, and each insurance agent An insurance business system comprising agency terminals each used by a store,
The insurance company host server is
Customer information storage means for storing customer information of the insurance company;
Customer information transmitting means for transmitting customer information of the insurance company to the insurance business management server in response to an acquisition request for the stored customer information;
The insurance business management server
Access right setting means for setting the access right from each insurance agent to the customer information received from the insurance company host server by hierarchy;
Based on the access right, customer information agent transmission means for transmitting the received customer information to the agent terminal that requested acquisition;
An insurance business system characterized by having The insurance business system
A customer terminal for insurance customers to use,
The insurance agency terminal is
Business content transmitting means for transmitting information indicating the business content of the insurance agency to the insurance business management server;
The insurance business management server
Based on the information indicating the business contents of the insurance agency received from the agency terminal, the advertisement information of the insurance agency is generated, and the advertisement information distribution means for distributing the generated advertisement information to the customer terminal is provided. The insurance business system according to claim 1. The insurance business system
Further comprising a depositing device managed by the financial institution and used for depositing insurance premiums;
The depositing device is
A deposit notification means for notifying the financial institution server that the premium payment has been completed when the premium is deposited by the customer;
The agency terminal
Contract content registration means for transmitting and registering contract content information indicating the description content of the customer's insurance contract application form to the information distribution server;
The insurance business management server
An insurance agent agent in charge of the customer who applied for the insurance contract by comparing the payment status of the insurance premium managed by the financial institution server with the registered contract content information. 3. The insurance business system according to claim 1, further comprising a deposit status notifying means for notifying the terminal. The deposit notification means
4. The insurance business system according to claim 3, wherein identification information for specifying a customer to be deposited is transmitted to the financial institution server. The insurance company host server is
5. The apparatus according to claim 1, further comprising: an estimation result transmission unit that calculates the insurance premium in response to an insurance premium estimation request transmitted from the agency terminal and transmits the estimation result to the agency terminal. The insurance business system according to any one of the above. The insurance business management server
A quote request conversion means for converting the quote request transmitted from the agency terminal into a file format designated in advance by the insurance company, and sending the converted quote request to the insurance company host server;
An estimate result conversion means for converting the estimate result transmitted from the insurance company host server into a file format designated in advance by the insurance agent, and transmitting the converted estimate result to the agent terminal. The insurance business system according to claim 5, wherein

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