My insurance passbook

Abstract

To provide a personal insurance passbook for realizing a storage service for automatically withdrawing money from one's own passbook and automatically transferring it to another one's own passbook every month in order to dissolve any troublesome work of rushing into an ATM with a plurality of passbooks in congestion immediately after a salary payment date, and repeating payment and reception work.SOLUTION: A depositor using my insurance passbook requests monthly automatic transfer from a main deposit account such as a salary receiving account to a single or a plurality of sub-deposit accounts journalized for each account title of the same depositor. The financial institution automatically transfers the amount designated by the depositor from the main deposit account to the sub-deposit account by a fixed amount every month. To cope with different financial institutions by a commission or the like. The amount of money to be automatically transferred to each sub-deposit account is set in advance by the depositor for each account title, based on the annual required amount for one month. To set a bonus combination as desired. Also, it is made possible to easily change the household budget in the middle without difficulty.SELECTED DRAWING: Figure 1-1

Description

[Technical Field]

[0001] The present invention relates to a My Insurance Passbook, which allows a financial institution to automatically withdraw a fixed amount from a depositor's savings account on a regular basis based on a contract with the depositor, and automatically deposit that amount into the same depositor's other savings accounts (multiple). [Background technology]

[0002] Traditionally, deposits at financial institutions have been broadly divided into ordinary deposits and term deposits, with a wide variety of derivative products subdivided according to differences in functions and features. Ordinary deposits have no set term and allow for free deposits and withdrawals. Term deposits have a set term and, as a rule, cannot be withdrawn until the due date; in order to withdraw money before the due date, the deposit must be canceled or partially closed. A fixed-term deposit is used when a depositor wants to deposit a lump sum for a set period of time, while a fixed-term savings deposit is used when a depositor wants to save a fixed amount every month. Both are suitable for preparing for large future financial needs. In contrast, a regular savings account is used when a depositor wants to be able to deposit and withdraw the amount they need whenever they need it. Regular savings accounts are suitable for covering current liquid financial needs. Regular savings accounts have an automatic transfer function, and because it is a hassle to pay expenses such as utility bills that require recurring monthly payments to specific businesses, automatic debit and transfer services from an account are widely used. However, there is currently (as of the first quarter of the 21st century) no service that automatically debits or transfers a fixed amount from a depositor's regular savings account to another savings account of the same depositor. If you want to save a fixed amount on a regular basis, you can use the current fixed-term savings deposit. However, unlike ordinary savings accounts, you cannot withdraw money freely, but since the purpose of the deposit is to prepare for a large amount of capital needs in the future, at least at the time of signing the contract, you are not considering free withdrawals, so this is not necessary. On the other hand, from the perspective of those managing household finances, there are long-term management plans (retirement funds, housing funds, education funds, etc.), medium-term management plans (roof and exterior wall renovations, car and home appliance replacements, etc.), and short-term management plans covering roughly one year or less (property taxes, vehicle inspections, medical expenses, weddings, funerals, entertainment expenses, family trips, etc.) Of these, the scope of coverage for fixed-term savings deposits is part of the long-term management plan and medium-term management plan. However, even with a short-term management plan, the basic principles of financial planning remain the same: saving the necessary amount each month and ensuring that the cumulative amount reaches the payment amount by the due date. For example, if your annual property tax is 120,000 yen, you can permanently stabilize your income and expenditure by saving 10,000 yen per month into your property tax debit account. If the estimated cost of your next vehicle inspection is 300,000 yen, saving 12,500 yen per month will prevent you from panicking at the last minute. However, medical expenses, weddings, funerals, entertainment expenses, etc. will be withdrawn randomly during the savings process, so the margin of error will be larger. All content is constantly evolving to adapt to customer needs, technological advances, and social changes. Just as financial products that did not exist in the past exist today, financial products that do not exist today will likely exist in the future when services are improved. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Summary of the Invention [Problem to be solved by the invention]

[0004] This had the following drawbacks: In managing the household finances of an average household, reserves for short-term management plans (property taxes, vehicle inspections, medical expenses, ceremonial occasions, entertainment expenses, family trips, etc.) would ideally be accounted for by account item and set aside a fixed amount in a dedicated account, but because it is a hassle to open multiple accounts and deposit money into each one every month, most households pool the payment reserves for the annual budget in a salary receipt account or similar, and withdraw the necessary amount whenever funds are needed.As a result, household income and expenditure plans always fall into the category of ad hoc and sloppy "rough calculations." Even for short-term financial planning, such as for a year, categorizing money by category and setting aside funds, including emergency reserves, may seem simple, but in reality it is difficult. Unless the person managing the household finances is a financial planner, if there is a balance in the general account, they will be tempted to engage in impulse buying and other unplanned spending behavior. It is possible to store cash in envelopes in a safe at home and manage it by category, but in this case, the temptation to temporarily borrow money between accounts is even more difficult to resist than when managing accounts.

[0005] Let's take the example of "medical expenses," a typical account item for unforeseen short-term expenses in household finances. Generally, medical expenses for hospitalization or surgery for the individual or family due to illness or injury are covered by private medical insurance, so it is thought that there is no need to make special preparations. When comparing the total amount of premiums paid and the total amount of insurance benefits received over the entire period of a private insurance company's medical insurance contract, from the start of the contract to its end, the majority of policyholders end up paying too much and receiving too little. In other words, they incur losses by taking out the insurance. This is why insurance companies are able to generate a constant, stable profit and make the insurance business viable. However, insurance is a service that "will provide coverage in case something happens," and the premium is the price for that service, so even if nothing happens, the premium is not a loss. Because the policyholder has purchased a "sense of security," it is wrong to think of it as a loss. However, this is only the case in the case of "pure insurance." "Pure insurance" is insurance that hedges against huge risks. For example, if a cargo ship sinks, the hull and cargo are lost, resulting in huge losses. If you have insurance, the loss will be covered. Even for individuals, if you cause a fatal car accident, you will have to pay compensation in the hundreds of millions. If you cause a railroad crossing accident that disrupts train schedules, or damage a telegraph pole for optical communications, you will also have to pay a large claim. The same is true for fires. If you have insurance, you can pay the claim in full without any out-of-pocket expenses. In this way, the true value of "pure insurance" is to "prepare for huge claims" that ordinary individuals could never afford, and this is its very purpose. In contrast, medical bills, even when hospitalized or operated on due to illness or injury, will never be billed in the hundreds of millions. Nor will bills be billed in the tens, millions, or even hundreds of thousands of yen. In Japan, we have universal health insurance and a high-cost medical expense exemption system, so no matter how much treatment you receive, your out-of-pocket expenses will only be a few tens of thousands of yen each month. This is merely one of the many minor and miscellaneous risks in everyday life, and cannot be considered a huge risk. Therefore, when it comes to private medical insurance, it is rational and appropriate to evaluate and judge it in terms of the pros and cons of the total amount paid and the total amount received, rather than thinking of it as a "purchase cost for peace of mind."

[0006] Most people in Japan are covered by private medical insurance. Insurance companies develop and sell a wide variety of medical insurance products, but all of them have the following common drawbacks: 1 Total limit: This is the absolute limit on the number of days of hospitalization. It is generally set at 2 to 3 years. If you are repeatedly hospitalized for long periods of time during your lifetime, your coverage will be terminated. In particular, policyholders who have been hospitalized for decades due to mental illness have the disadvantage that they only receive benefits at the beginning and no further benefits are paid thereafter. 2. Illness limit: This is the limit on the number of days a person can be hospitalized for a single illness. Currently, the mainstream limit is 60 days. If a person is hospitalized for the same illness for a period of time, benefits do not resume until a specified interval has passed. For example, if a person is hospitalized for 180 days due to a pelvic or femur fracture, benefits are paid from the first day of hospitalization to 60 days, with a hiatus from 61 to 150 days (assuming a 90-day hiatus). Benefits then resume from 151 to 180 days. To receive uninterrupted hospitalization benefits throughout the entire hospitalization period, a second illness must occur on the 61st day and a third illness must occur on the 121st day. In reality, the probability of such coincidences occurring is close to zero, so any long-term hospitalization after exceeding the limit will result in uninsured status. This has the drawback of requiring the individual to cover the out-of-pocket expenses themselves. 3 Insurance companies explain that "hospitalizations are becoming shorter these days, and there is almost no risk of long-term hospitalization, so 60 days is sufficient." However, insurance is a system that exists to prepare for very unlikely risks. If they argue that coverage is unnecessary because the probability of long-term hospitalization is low, then there is no need to prepare for even less likely events like "death in your 30s," "fire," or "fatal traffic accident." This is a flawed double standard, just like the explanation that you should get insurance while you're young because you can get it even if you're elderly or have a chronic illness. 4. Unlimited coverage for specified diseases: This is a benefit that provides generous coverage for the three major adult diseases (cancer, stroke, and heart disease), as well as the five major adult diseases (high blood pressure and diabetes), plus the seven major adult diseases (liver disease and kidney disease), distinguishing them from general illnesses. The most distinctive feature of the three major adult diseases is their "early polarization of prognosis and remission." In other words, they are diseases where the outcome is decided quickly, like a sumo match: death or recovery. The remaining four major adult diseases, too, are characterized by the absence of hospitalization, with treatment primarily at home with long-term outpatient visits and medication, and hospitalization only for a short period in the terminal stage. In any case, because there are few cases of prolonged hospitalization due to adult diseases, even if the hospitalization period is unlimited, the policyholder has fewer opportunities to receive benefits. 5. No Outpatient Coverage...Medical insurance is intended to prepare for medical risks. There are two types of medical care: outpatient care and inpatient care. Outpatient care, not hospitalization or surgery, accounts for the vast majority of medical risks for households. Outpatient medical expenses are not a major household expense, and they are especially favored for minor dependents covered by health insurance. Therefore, while the scale of the reserve fund is small, private health insurance does not cover medical treatment at internal medicine, orthopedics, pediatrics, dermatology, otolaryngology, ophthalmology, psychosomatic medicine, or other clinics for illnesses or injuries that do not require an ambulance or hospitalization. While some products offer outpatient coverage, this only applies to outpatient visits after hospitalization, and no insurance products offer coverage for one-off outpatient visits. Medical insurance is useless for the most commonly used services, from dental care to health checkups and normal childbirth. Medical insurance from private insurance companies does not cover outpatient medical care that occurs frequently in daily life, but only covers hospitalization and surgery that rarely occur in daily life to a certain extent. Therefore, there is a drawback to taking measures against medical risks for households in that they have to prepare the out-of-pocket expenses themselves. The present invention has been made to eliminate the above-mentioned drawbacks. [Means for solving the problem]

[0007] To provide a system in which a financial institution automatically withdraws a fixed amount periodically from a depositor's deposit account and automatically deposits the amount into another deposit account of the same depositor according to a contract between the financial institution and the depositor. A depositor requests a monthly automatic transfer from a main deposit account, such as a salary account, to one or more sub-deposit accounts, which are journalized for each account of the same depositor. The financial institution then automatically transfers a fixed amount designated by the depositor from the main deposit account to the sub-deposit account every month. The amount to be automatically transferred to each sub-deposit account is set in advance by the depositor for each account item, with one month's worth of the annual required amount as a guideline.

[0008] 1. Fixed asset tax: For example, a household whose annual fixed asset tax is 300,000 yen can automatically transfer 25,000 yen each month to a dedicated sub-deposit account for fixed asset tax, and plan to ensure that the accumulated balance reaches 300,000 yen just before the date on which the tax office automatically deducts the entire amount. 2 Personal car maintenance costs: automobile tax, optional insurance, periodic inspections, vehicle inspection fees, etc. Automobile tax and optional insurance are roughly fixed amounts. The minimum required amounts for periodic inspections and vehicle inspection fees are also roughly fixed amounts, but incidental costs vary, so we will make a rough estimate. The accumulation period for incidental vehicle inspection fees is set at two years. 3. Weddings, funerals, and other ceremonies...these vary greatly from family to family. Because they occur unexpectedly, it's impossible to calculate an accurate budget in advance, but a rough estimate can be made based on statistically significant patterns from past events. Aside from special circumstances, such as a workplace with an extremely high number of people of marriageable age, or a school teacher experiencing a surge in student marriages, it should be possible to estimate expenses within the rough budget. Expenses other than weddings, such as childbirth, passing exams, entering school, visiting sick relatives, funerals, and memorial services, can also be roughly estimated depending on the ages of relatives, friends, and acquaintances. 4 Medical expenses: There are two ways to think about medical expenses in a household budget. The first is to estimate the annual costs of outpatient visits, hospitalization, surgery, medicine, etc. and save up the amount through a personal insurance plan. The second is to cancel the medical insurance plan you currently have with a private insurance company and save the same amount through a personal insurance plan. 5. Family Events: Saving money for outings and trips with the family is not in the category of risk preparation, but strictly speaking, the accumulation of family grievances could be said to be a risk that threatens family harmony. In any case, it is beneficial to save in a planned manner. However, because this account item is highly liquid, it does not necessarily require a personal insurance plan. If anything, it is more suitable for bonuses than monthly savings. The present invention is a personal insurance passbook having the above-mentioned configuration. [Effects of the Invention]

[0009] Even if you are not a financial planner, you can manage your household finances in a planned and appropriate manner. Before you know it, you will have the necessary funds ready when you need them. Planning and execution of your annual budget will be optimized automatically without you having to do anything special. We will explain the effect of medical expenses as a typical example of household income and expenditure. When managing risk with private medical insurance, if you subtract ▲2▼ "the total benefits received from the insurance company throughout the entire contract period" from ▲1▼ "the total premiums paid to the insurance company throughout the entire contract period," a small number of policyholders will benefit while a large number of policyholders will incur losses. In contrast, when managing risk with My Insurance, if you subtract ▲2▼ "the total amount withdrawn from your bank account and paid to medical institutions throughout the entire contract period" from ▲1▼ "the total amount deposited into your bank account throughout the entire contract period," a 100% loss will not occur, regardless of whether your balance is positive or negative. If it is positive, it will remain as your own funds. If it is negative, it is not a loss because it was effectively used as part of your own and your dependents' medical expenses. With insurance company medical insurance, any surplus (▲1▼ - ▲2▼) will become "profit for the insurance company" or "benefits for other policyholders" and will not be returned to you. My Insurance (Medical) has the advantage that the surplus will remain as "your own savings balance." If you pay 10,000 yen per month for medical insurance, you will pay 4.8 million yen over 40 years. If you never have to be hospitalized or undergo surgery, you will lose 4.8 million yen. If you are hospitalized and undergo surgery several times and receive a total of 1 million yen, you will lose 3.8 million yen. If you are hospitalized and undergo surgery many times and receive a total of 2 million yen, you will lose 2.8 million yen. Furthermore, if you are hospitalized and undergo surgery many times and receive a total of 3 million yen, you will lose a total of 1.8 million yen. Furthermore, you will not receive a single yen from your medical insurance for the costs of "outpatient visits rather than hospitalizations" over these 40 years. Furthermore, you will not receive a single yen no matter how many times you give birth. In contrast, if you use your secondary savings account as your personal health insurance, you will pay 4.8 million yen over the same 40-year period, but this amount will be entirely your own savings balance. In countries with public health insurance and a high-cost medical exemption system, even if medical expenses run into the hundreds of thousands of yen, your actual out-of-pocket expenses are only a few tens of thousands of yen per month. Therefore, it's difficult to fully spend your remaining balance unless you undergo countless hospitalizations and surgeries. Since you normally can't fully spend it, you can expand the surplus beyond hospitalizations and surgeries to include outpatient visits, childbirth, tests, and medications, essentially creating "personal health insurance for yourself and your family." If you pay premiums for 50 or 60 years, your total payments will reach 6 million or 7.2 million yen. At 20,000 yen per month, that would amount to 14.4 million yen. The older you are, the lower your out-of-pocket medical expenses will be. This shifts to nursing care costs, which are not covered by health insurance. In the terminal stage, patients are transferred from a nursing home to a hospital and die after only a short stay. [Brief explanation of the drawings]

[0010] [Figure 1] FIG. 1 is an explanatory diagram of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, an embodiment of the present invention will be described. In managing one's household finances, it is a very wise method to deposit a fixed amount of reserves for specific accounts into a dedicated passbook each month and prepare them in line with the scheduled payment date. However, to eliminate the hassle of rushing to an ATM with multiple passbooks during the rush hour immediately after payday and repeatedly making withdrawals and deposits, we offer a collection service that automatically debits one passbook and transfers the funds to another passbook each month. The automatic deposit can be made to one or more accounts. In principle, the bankbook should be electronic, but a paper passbook is also acceptable if desired. A depositor requests a monthly automatic transfer from their main deposit account, such as a salary account, to one or more sub-deposit accounts, which are accounted for by the same depositor. The financial institution then automatically transfers a fixed amount specified by the depositor from the main deposit account to the sub-deposit account every month. Even if the financial institutions are different, the system can accommodate this, with no fees, etc. The amount to be automatically transferred to each sub-deposit account is set by the depositor in advance for each account, with one month's worth of the annual required amount as a guideline. It is also possible to set it up so that bonuses can be used in conjunction with the amount if desired. It is also possible to easily change the amount midway without putting a strain on the household budget. Whether it is a digital or analog passbook, it functions as a regular savings passbook and allows for various transactions at any time. Additional accounts can be opened, terms can be changed, and accounts can be closed at will. A cash card or some other authentication system is used for each account. My Insurance is a system in which individuals act as both an insurance company and a policyholder, collecting their own insurance premiums, saving their own money, and paying out insurance benefits to themselves or their family when a payment event occurs. This is the difference between macro insurance business, which is conducted by a large number of policyholders, and micro insurance business, which is conducted by a small number of family members. My Insurance is, in principle, intended to provide planned preparations for risks (disasters that may befall individuals) in their daily lives. Strictly speaking, taxes and public charges are not risks, but rather are considered a risk in the common sense of the people rather than an academic definition. [Industrial Applicability]

[0012] We will develop and provide a "Medical Loan" (tentative name) to those who are not covered by medical insurance from an insurance company, where financial institutions will provide loans for hospitalization and surgery expenses at interest rates more favorable than free loans for leisure purposes. If you save up the repayment money in advance, you can completely eliminate the waste of continuing to pay insurance premiums without receiving benefits when you are in good health, as with medical insurance.

[0013] Childbirth is a financial risk that occurs far more frequently than hospitalization or surgery due to illness or injury, is not covered by insurance companies' medical insurance, and requires a large lump sum payment. To address this risk, financial institutions have developed and will provide a "maternity loan" (tentative name) with preferential interest rates. If the repayment money is saved up in advance, it will effectively become "maternity insurance."

Claims

1. This is a financial product that supports financial planning in the management of household finances for ordinary households, whereby a financial institution, through a contract with a depositor, automatically withdraws a predetermined amount from the depositor's deposit account, such as the depositor's salary account, on a regular basis, such as monthly, and automatically deposits it into one or more deposit accounts with different account numbers that are accounted for under the same depositor's account item.My Insurance Passbook is characterized by the fact that it provides automatic account deduction and automatic account transfer services, which are widely used for collecting utility bills and other payments, between different passbooks for the same depositor, and allows the depositor to check the transaction details on an individual passbook or the electronic screen of an information and communications terminal, and, if necessary, to withdraw deposits using a cash card or other authentication system.

2. My Insurance Passbook of claim 1 is a financial product developed and utilized as a "Medical Loan" (tentative name) with a preferential interest rate compared to free loans for purposes including entertainment, in order to contribute to the welfare of the people, whereby financial institutions lend to those who are not enrolled in medical insurance from an insurance company to cover the costs of hospitalization and surgery, which incur one-time lump sum expenses.

3. My Insurance Passbook of claims 1 and 2 is a financial product developed and utilized by financial institutions to provide funds for childbirth, a household risk that occurs far more frequently in households than hospitalization or surgery due to illness or injury, is not covered by insurance companies' medical insurance benefits, and requires a large lump sum payment, with the aim of contributing to the welfare of the people, and with a view to developing and utilizing a "maternity loan" (tentative name) with a more favorable interest rate than free loans for purposes including entertainment.

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