Insurance management system, insurance management method, program and recording medium

Abstract

To provide an insurance management system, method, program and recording medium, suitable for use by an insurance agent.SOLUTION: In an insurance management system in which an insurance management server (11) is connected with a plurality of agent terminals via a communication network, the insurance management server stores a customer management table (31), a customer information table (32), and a contract information table (37) on the basis of a customer card created by the agent terminal, identifies a customer retrieved from the agent terminal on the basis of the customer information table, refers to the contract information table to output an insurance subscription state list obtained by listing a life insurance and a damage insurance for an insurance with which the customer is affiliated, to the agent terminal.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an insurance management system, an insurance management method, a program thereof, and a recording medium suitable for use by insurance agents. [Background technology]

[0002] In recent years, there are a wide variety of insurance products, so when considering purchasing insurance, policyholders often seek advice from insurance agents to find insurance that suits their lifestyle and business, and then purchase a combination of various types of insurance. In such cases, policyholders often purchase multiple insurance policies from different insurance companies depending on the characteristics of the products, making it difficult for individuals (or companies) to manage their own insurance purchase status.

[0003] In response to this, there is an insurance information management system in Patent Document 1. In this system, in order to facilitate a tax accountant's office that has a contract with an information management company to manage insurance information subscribed by its client companies (for example, to grasp the total insurance amount paid to the same insured person), the information management company provides a dedicated ID to the tax accountant's office and its client companies, and discloses a system that can extract insurance information based on the dedicated ID or the insured person's name. By using this system, it is possible to collectively manage the insurance subscription status of an individual (or company) (FIGS. 10 to 12 in Patent Document 1). As an extension of Patent Document 1, Patent Document 2 also discloses that the insurance information management system in Patent Document 1 can make inquiries about insurance information to each insurance company in a lump sum. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent No. 4107599

[0005] [Patent Document 2] Patent No. 6795218 Summary of the Invention [Problem to be solved by the invention]

[0006] However, Patent Documents 1 and 2 are somewhat difficult for insurance agents to use. Insurance can be broadly divided into life insurance and non-life insurance, and Patent Documents 1 and 2 are usefully configured as a system for managing information on life insurance. In the case of life insurance, the basic items of an insurance product include the policyholder, the insured, the insurance company, the policy number, the type of insurance, the insurance period, the payment method, and the insurance premium, and various special clauses are attached to each insurance product. Patent Documents 1 and 2 display the basic items of a life insurance product in a list (Figures 10 and 11 of Patent Document 1), but the special clauses are configured to be confirmed by clicking the Details button and transitioning to another page (Figure 12 of Patent Document 1).

[0007] Furthermore, non-life insurance has a greater variety of products than life insurance, such as fire insurance, liability insurance, automobile insurance, product liability insurance, income guarantee insurance, work accident insurance, golfer insurance, and transportation insurance, and the insurance contents also differ between individuals and businesses. These non-life insurance products have different basic matters depending on the insurance product, making it difficult to unify the basic matters as in the case of life insurance. Furthermore, special provisions for non-life insurance are even more diverse, so it can be said that non-life insurance is more difficult to manage in a unified manner than life insurance. Patent Document 1 only describes the basic matters regarding special provisions, and is structured so that special provisions other than the basic matters are referred to other materials.

[0008] Here, insurance agents are often asked by their customers (policyholders) to know what insurance the customer currently has and their insurance status. It is important for insurance agents to respond to such requests from customers by providing them with information about their insurance status in an easy-to-understand manner, including special clauses that are important to the customer, regardless of the insurance company or whether it is life insurance or non-life insurance. Also, when an emergency occurs for a customer, it is important to be able to immediately inform them of their insurance status and which insurance claims can be made, which will help build up trust from the customer.

[0009] The present invention has been made in view of the above circumstances, and has an object to provide an insurance management system suitable for use by insurance agents. [Means for solving the problem]

[0010] In order to solve the above problems, an insurance management system according to a first aspect of the present invention includes an insurance management server managed by an insurance agency and an agency terminal capable of communicating with the insurance management server, and the insurance management server stores a customer management table that associates and stores the customer names and management IDs of the insurance agency's customers based on a customer card created from the agency terminal, a customer information table that associates and stores the management IDs and customer information of the customers, and a contract information table that associates and stores the management IDs and insurance contract information of the customers, and the insurance management server identifies customers searched for from the agency terminal based on the customer information table, and refers to the contract information table to output to the agency terminal an insurance enrollment status list that lists life insurance and non-life insurance for the insurance to which the customer has subscribed.

[0011] In the insurance management system according to the second aspect, in the first aspect, it is also preferable that the insurance enrollment status list is output in a common format having common display items for life insurance and non-life insurance.

[0012] In the insurance management system of the third aspect, in the second aspect, the display items include the purpose of the insurance or the vehicle name, the type of insurance, the policy number, the insurance period, the payment end date or maturity date, the contract details, the insurance company, the payment method, and the annual insurance premium, and it is also preferable that the contract details include the details of the main contract in the first line, followed by the details of any special provisions.

[0013] In the insurance management system of the fourth aspect, in the second or third aspect, the insurance management server stores a special clause content table that stores content words of the special clause content to be listed as one of the display items corresponding to the type of insurance, and it is also preferable that the insurance management server refers to the special clause content table when the agency terminal inputs the special clause content into the customer card, and displays the content words in a select box.

[0014] In the insurance management system of the fifth aspect, in any of the first to fourth aspects, the insurance management server stores a subsidiary management table in which the management ID of a parent company is associated with the management ID of a subsidiary as a reference ID, and the insurance management server refers to the subsidiary management table, and if the management ID of a customer searched for from the agency terminal is the reference ID, it is preferable that the insurance management server also refers to the contract information table of the subsidiary and outputs the list of insurance subscription status including the insurance contract information of the subsidiary.

[0015] In the insurance management system of the sixth aspect, in any of the first to fifth aspects, it is preferable that the insurance management server, if there is any overlap in the content words of the special clause contents listed as one of the display items in the insurance enrollment status list, highlights the content words and outputs the insurance enrollment status list.

[0016] In order to solve the above problem, an insurance management method according to a seventh aspect of the present invention includes a step of communicating with an insurance management server that stores a customer management table that associates and stores the customer names and management IDs of the insurance agency's customers based on a customer card created from an agency terminal, a customer information table that associates and stores the management IDs and customer information of the customers, and a contract information table that associates and stores the management IDs and insurance contract information of the customers, to identify a customer searched for from the agency terminal based on the customer information table, and a step of referring to the contract information table of the customer and outputting to the agency terminal an insurance enrollment status list that lists life insurance and non-life insurance for the insurance to which the customer has subscribed.

[0017] An insurance management program according to an eighth aspect of the present invention enables the insurance management method according to the seventh aspect to be described in a computer program and executed.

[0018] A recording medium according to a ninth aspect of the present invention records the computer program according to the eighth aspect. Effect of the Invention

[0019] According to the present invention, it is possible to provide an insurance management system etc. that can immediately output the enrollment status of multiple insurance policies subscribed to by customers of an insurance agency, regardless of the insurance company and regardless of whether the insurance is life insurance or non-life insurance, including special provisions. [Brief description of the drawings]

[0020] [Figure 1] 1 is a configuration block diagram of an insurance management system 1 according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a configuration block diagram of the insurance management server 11. [Diagram 3] 13 is an example of a top page 121 displayed after login. [Figure 4] 1 is an example of a customer card 122. [Diagram 5] 1A is an example of a customer management table 31, and FIG. 1B is an example of a customer information table 32. [Figure 6] 13A is an example of a family information table 33, (B) is an example of an account information table 34, (C) is an example of a delivery destination information table 35, and (D) is an example of a subsidiary company information table 36. [Figure 7] 13 is a display example of a contract information input form 123. [Figure 8] 123Q, and (B) is an example of a special agreement content input box 123R. [Figure 9] 4A is an example of a main contract contents table 41, and FIG. 4B is an example of a special contract contents table 42. [Figure 10] 13 is an example of a contract information table 37. [Figure 11] 13 is a display example of a search page 124. [Figure 12] 13 is a display example of insurance search results 125. [Figure 13] 13 is an output example of an insurance enrollment status list 50. [Figure 14] 1A is a flowchart showing a preparation process for using the insurance management system 1, and FIG. 1B is a flowchart showing a process for using the insurance management system 1. [Figure 15] 10 is a flowchart showing a process for using the insurance management system 1 according to a modified example. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] Next, a preferred embodiment of the present invention will be described with reference to the drawings. In this specification, the terms "enterprise", "corporation", and "company" are used, but all of them are described in accordance with commercial practice and are treated as synonyms. For example, the term "company" is not limited to corporations established under the Companies Act, and the term "enterprise" is not limited to profit-making organizations and groups. In addition, even if an organization or group is not expressed by the terms "enterprise", "corporation", or "company", such as a university, hospital, local government, or association, the present invention is applicable by replacing the terms with the structure of the organization.

[0022] (Configuration of insurance management system) FIG. 1 is a block diagram of an insurance management system 1 according to an embodiment of the present invention. In the insurance management system 1, an insurance management server 11 owned and managed by an insurance agency A and an agency terminal 12 (multiple are possible) are connected via a communication network 3, and data can be transmitted and received between them. The agency terminal 12 of the insurance agency A is a general-purpose personal computer (PC), a smartphone, a tablet, or the like, and is a device that includes at least a calculation unit, a storage unit, a communication unit, an operation unit (not shown), and a display unit 13, and is capable of outputting to a printer (not shown). A dedicated Web application described later is installed in each agency terminal 12. The insurance management server 11 can also be connected to insurance company servers B11, B22, ..., Bxx of insurance companies B1, B2, ..., Bx via the communication network 3. The insurance company servers B11, B22, ..., Bxx are optional components that are not essential to this embodiment, and are therefore indicated by dashed lines in FIG. 1.

[0023] 2 is a configuration block diagram of the insurance management server 11. The insurance management server 11 has at least a server communication unit 111, a server control unit 112, and a server storage unit 113. The server communication unit 111 is a communication control device such as a network adapter, a network interface card, a LAN card, etc., and is connected to a communication network 3 such as the Internet or a mobile phone communication network by wire or wirelessly. The server control unit 112 is a control calculation unit composed of one or more processors such as a CPU (Central Processing Unit), a multi-core CPU or a GPU (Graphics Processing Unit), and memories such as RAM and ROM, and controls communication control of the server communication unit 111, storage of information in the server storage unit 113, reading of information from the server storage unit 113, and Web applications. Details of these controls will be described later. The server storage unit 113 is configured with a computer-readable storage medium such as a memory card or a HDD (Hard Disk Drive), and includes a customer card database 30 and a content word database 40 for making the creation of the customer card database 30 more efficient (hereinafter referred to as the "customer card DB 30" and the "content word DB 40", respectively). The data in these DBs is updated by the server control unit 112 based on information entered via the Web application.

[0024] The customer card DB30 comprises a customer management table 31, a customer information table 32, a family information table 33, an account information table 34, a delivery destination information table 35, a subsidiary management table 36, and a contract information table 37. The content word DB40 comprises a main contract content table 41 and a special agreement content table 42. Details of these tables will be described later. However, since tables 33 to 35 are optional configurations that are preferable to create but are not essential configurations, they are indicated by dashed lines in Figure 2.

[0025] (Create a customer card) When a worker starts a web application on the agency terminal 12, communication with the insurance management server 11 is initiated, and a dedicated web page is displayed on the display unit 13 of the agency terminal 12. Fig. 3 shows an example of the web page (top page 121) displayed after login. The top page 121 includes at least a new customer registration button 121A and a customer search button 121B.

[0026] When the worker presses the new customer registration button 121A, a new customer card 122 is displayed. The customer's information can be entered in the customer card 122. FIG. 4 shows an example of the customer card 122. The customer card 122 has a classification box 122A, and input of individual / corporation can be selected. If individual is selected, a personal information input box 122B and a workplace information input box 122C are displayed, and if corporation is selected, a representative information input box 122D and a corporation information input box 122E are displayed (see FIG. 11 described later). The personal information input box 122B and the representative information input box 122D have input boxes for name, furigana, sex, age, date of birth, position, home phone number, mobile phone number, and email address. The workplace information input box 122C and the corporation information input box 122E have input boxes for company name, furigana, branch office, department, corporation representative, main phone number, direct phone number, and person in charge. In addition, the customer card 122 has a business details input box 122F, a main client input box 122G, a financial information input box 122H, an introducer input box 122I, special notes input box 122J, a creation date input box 122K, and a last updater input box 122L, and workers can enter text into these boxes.

[0027] When the worker presses the add button 122Z to create the customer card 122, the server control unit 112 stores the new information in the customer management table 31. FIG. 5A shows an example of the customer management table 31. The customer management table 31 stores a management ID, a customer name, and a reference ID in association with each other. The server control unit 112 assigns a new management ID to the individual name (customer name) entered in the personal information input box 122B on the customer card 122 or the corporate representative name (customer name) entered in the representative information input box 122D, and stores the new management ID in the customer management table 31. At this time, the server control unit 112 preferably searches whether the corporate representative name entered in the workplace information input box 122C and the corporate information input box 122E has already been registered in the customer management table 31, and if it has been registered, displays a message asking the worker, "Do you want to link the new customer to the registered customer card?" If the worker agrees by clicking "Yes", the server control unit 112 stores the management ID of the registered customer card 122 as a reference ID in the customer management table 31 of the new customer, and stores the management ID of the new customer as a reference ID in the customer management table 31 of the registered customer card 122, linking the two customer cards. If the worker selects "No", the reference ID field is left blank.

[0028] When the customer card 122 is created, the server control unit 112 stores the new customer information in the customer information table 32. Fig. 5(B) is an example of the customer information table 32. In the customer information table 32, the customer information input in the input boxes 122B to 122L is stored in association with one management ID assigned in the customer management table 31.

[0029] The customer card 122 also has a family information button 122M, an account information button 122N, a delivery destination information button 122O, and a contract information button 122P (see FIG. 4).

[0030] When the worker presses the family information button 122M, the account information button 122N, or the delivery destination information button 122O, the family information input form, the account information input form, and the delivery destination information input form of the customer card 122 are displayed on the display unit 13 in response to the pressing of the button, and input into each form is possible. The family information input form has input boxes for the family category (spouse, child, relative, etc.), the name, and kana (not shown). The account information input form has input boxes for the account information from which the insurance premium related to the customer card 122 is withdrawn (not shown). The delivery destination information input form has input boxes for the delivery destination address of mailings (not shown). When the worker presses the add button 122Z (see FIG. 4), these input information are added to the customer card 122. The server control unit 112 stores the management ID, the family category (spouse, child, relative, etc.), and the name of the customer card 122 in the family information table 33 in association with each other. At this time, the server control unit 112 searches whether the family member's name is already registered in the customer management table 31, and if the worker agrees, it stores the management ID of the customer card 122 of the registered family member as a reference ID, and stores the management ID of the new customer as a reference ID in the customer management table 31 of the customer card 122 of the registered family member, thereby linking the two customer cards. The account information table 34 stores the account information entered through the account information input form together with the management ID of the customer card 122. The delivery destination information table 35 stores the delivery destination information entered through the delivery destination information input form together with the management ID of the customer card 122. Figure 6 (A) is an example of the family information table 33, Figure 6 (B) is an example of the account information table 34, and Figure 6 (C) is an example of the delivery destination information table 35.

[0031] It is also preferable that the customer card 122 is provided with a reference button 122Q and a release button 122R (see FIG. 4). If the worker wishes to associate the company related to the customer card 122 with the parent company, he presses the reference button 122Q. This displays a search page 124 (see FIG. 11), which will be described later. (D) of FIG. 6 is an example of the subsidiary company management table 36. In the subsidiary company management table 36, the management ID of the parent company is stored in association with the management ID of the subsidiary company as a reference ID. When the worker searches for the parent company on the search page 124, which will be described later, and selects it by clicking, the server control unit 112 adds new information to the subsidiary company management table 36. Note that the reference created with the reference button 122Q can be released by pressing the release button 122R.

[0032] (Creating insurance policy information) Next, the worker inputs the customer's insurance contract information. When the worker presses the contract information button 122P (see FIG. 4), a contract information input form 123 on the customer card 122 is displayed. FIG. 7 is an example of the display of the contract information input form 123. The contract information input form 123 has a classification box 123A, which allows the selection of life insurance or non-life insurance. Next, the contract information input form 123 has an insurance type input box 123B, a vehicle name input box 123C, a registration number input box 123D, a grade input box 123E, an insured person input box 123F, an annual payment amount input box 123G, a payment method input box 123H, a liability start date input box 123I, a payment end date input box 123J, an insurance maturity date input box 123K, an insurance period input box 123L, an insurance company input box 123M, an insurance company telephone number input box 123N, a policy number input box 123O, a purpose input box 123P, a main contract content input box 123Q, and a special clause content input box 123R.

[0033] The worker obtains information from the customer about the insurance contracted by the customer, not only for insurance purchased through insurance agency A, but also for insurance purchased without going through insurance agency A, and enters information into contract information input form 123 for each insurance contract, and adds the insurance contract information to customer card 122. If the compensation content differs for each purpose, the worker divides one contract into several for each purpose, enters information into contract information input form 123, and adds it to the customer card.

[0034] At that time, the worker can use the open API system to download and / or view basic documents related to insurance products (such as pamphlets, terms and conditions, business method documents, calculation method documents, etc.) and customer information from the insurance company servers B11, B22, ..., Bxx of each insurance company B1, B2, ..., Bx at the agency terminal 12.

[0035] If life insurance is selected in the classification box 123A, the insurance type input box 123B displays in a select box the following: whole life insurance, term insurance, cancer insurance, endowment insurance, disability insurance, family income insurance, corporate group insurance, education insurance, etc. If non-life insurance is selected, the insurance type input box 123B displays in a select box the following: fire insurance, corporate fire insurance, personal liability insurance, automobile insurance, product liability insurance (PL insurance), facility liability insurance, store liability insurance, store closure insurance, income guarantee insurance, work accident insurance, golfer insurance, medical practitioner liability insurance, transportation insurance, etc.

[0036] The car name input box 123C, the registration number input box 123D, and the insurance class input box 123E are only available for input when automobile insurance has been input in the insurance type input box 123B.

[0037] The insured person, etc. can be entered as text in the insured person, etc. input box 123F. The annual payment amount input box 123G can be entered as text for the annual insurance premium payment amount (converted into yen). The payment method input box 123H displays monthly payment, semi-annual payment, annual payment, advance payment, lump sum payment, large installment payment, etc. in a selection box.

[0038] Liability start date input box 123I, payment end date input box 123J, and insurance maturity date input box 123K each have a calendar input button within the box, and dates are entered by selecting from a pop-up calendar. Insurance period input box 123L displays 1 year, 2 years, 3 years, 10 years, etc. in a selection box. Payment end date input box 123J and insurance maturity date input box 123K each have a lifetime check button, and when this button is checked, lifetime is automatically entered and entry in insurance period input box 123L is disabled.

[0039] An insurance company name selection box is displayed in the insurance company input box 123M. An insurance company phone number input box 123N displays a selection box according to the insurance company selected in the insurance company input box 123M. Text can be entered in the policy number input box 123O.

[0040] The contents of the main contract of the insurance are input in the main contract content input box 123Q. The main contract content input box 123Q is a form that allows text input and selection input. The worker can input the contents of the main contract of the insurance product by text, for example, "Income guarantee", "Fixed amount type B", "Monthly fee 300,000" for life insurance; family income insurance, "New medical A 60-day type" and "Hospitalization 10,000" for life insurance; whole life insurance, "Death 4 million" for life insurance; income compensation insurance, "12 months compensation", "7 days deductible", "Monthly fee 600,000" for non-life insurance; accident insurance, "Death / aftereffect 5 million", "Hospitalization 5,000 yen", "2,000 yen for outpatient treatment", "Medical expenses 5 million" for non-life insurance; automobile insurance, "General 1.35 million", "Deductible 0-100,000", "Age 35", "Self / Spouse" for non-life insurance; Alternatively, when the mouse is placed over the main contract content input box 123Q, words such as "income guarantee," "fixed-rate type B," and "300,000 yen per month" are displayed in a select box 123Q' as input candidate words.

[0041] In the special clause content input box 123R, contents that are considered important to the customer of the customer card 122 are input from among the contents of the multiple and complex special clauses. The special clause content input box 123R is also a form that allows text input and selection input, and the worker picks up and text inputs the contents of the special clause that he / she thinks are important to the customer, leaving a space between each word, such as content words such as "100,000 yen for surgery at hospitalization," "advanced medical care," "500,000 yen for the three major diseases," "1 million yen for cancer diagnosis," and "10,000 yen for cancer outpatient treatment" for life insurance; "5,000 yen for hospitalization" and "5,000 yen for adults" for life insurance; "5,000 yen for 90 days of absence from work," "additional compensation for physical disability certified as industrial accident," and "full-time compensation" for non-life insurance; and "50 million yen for personal injury," "lump sum payment for injury," "road service fee," "lawyer's fee," "living compensation," and "3% discount for multiple insurance" for non-life insurance; Alternatively, when the mouse is placed over the special contract content input box 123R, candidate content words such as "100,000 for surgery upon hospitalization," "advanced medical care," and "500,000 for three major diseases" are displayed in a select box 123R'. Fig. 8(A) shows an example of the main contract content input box 123Q and its select box 123Q', and Fig. 8(B) shows an example of the special contract content input box 123R and its select box 123R'.

[0042] Here, the selection boxes 123Q', 123R' of the main contract content input box 123Q and the special contract content input box 123R respectively read and display the main contract content table 41 and the special contract content table 42 stored in the content word DB 40. Figure 9 (A) is an example of the main contract content table 41, and Figure 9 (B) is an example of the special contract content table 42. In the main contract content table 41 and the special contract content table 42, at least one medium category is subordinate to one major category, and at least one small category is subordinate to one medium category. In the tables 41, 42, information is stored branched into major category: division, medium category: insurance type, and small category: content word. The major classification is life insurance or non-life insurance, and the medium classification (insurance type) of life insurance includes the above-mentioned whole life insurance, term insurance, cancer insurance, etc., while the medium classification (insurance type) of non-life insurance includes the above-mentioned fire insurance, personal liability insurance, automobile insurance, etc., and the minor classification (content word) stores content words that have been input for the medium classification (insurance type). The main contract content table 41 and the special contract content table 42 are configured so that the words of the minor classification corresponding to the insurance type selected in the insurance type input box 123B of the contract information input form 123 are read into the selection boxes 123Q' and 123R'. Each time insurance contract information is added (add button 123Z described later), the server control unit 112 identifies the words input for that insurance type with a blank as a boundary, and searches whether the words have already been registered in the main contract content table 41 and the special contract content table 42. If not registered, the question "Do you want to add a new word to the selection box?" is displayed, and if the worker agrees by clicking "Yes", the server control unit 112 adds the new word to the subcategory of that insurance type in the main contract content table 41 or the special contract content table 42. If the worker selects "No", the new word is not added. In this way, content words that have been entered once are stored in the selection boxes 123Q', 123R' of the main contract content input box 123Q and the special contract content input box 123R in correspondence with the insurance type.

[0043] Finally, the subject of insurance related to the contract information input form 123 is input in the purpose input box 123P. It is preferable that the purpose input box 123P is also a form that allows text input and selection input. The worker can input the name of the contractor himself, spouse, child, relative, or whether he is an officer, employee, or subcontractor, or the contractor's company, subsidiary, etc. as text as the "purpose". Alternatively, when the mouse is placed over the purpose input box 123P, the server control unit 112 refers to the family information table 33 and the subsidiary management table 36, and if there is information, it is preferable that the information linked to the management ID of the customer card 122 is extracted and the names of the contractor himself, spouse, child, and subsidiary, etc. are displayed in the selection box as input candidates.

[0044] When the worker presses the add button 123Z to add the contents of the contract information input form 123 to the customer card 22, the server control unit 112 stores the new insurance contract information in the contract information table 37. Fig. 10 is an example of the contract information table 37. In the contract information table 37, the insurance contract information entered in the classification box 123A and input boxes 123B to 123R for the management ID of the customer card 122 is stored.

[0045] (Search for customer card) Once customer card 122 is created, it becomes possible to search for customers who have already created cards. Pressing customer search button 121B on top page 121 (Fig. 3) moves to search page 124. Fig. 11 is an example of the display of search page 124. Search page 124 has search condition area 124B in the area below the display, and result display area 124A in the area above the display.

[0046] The search condition area 124B includes a kana search field 124C, a customer name search field 124D, a postal code search field 124E, an address search field 124F, an introducer search field 124G, a telephone number search field 124H, a fax number search field 124I, and a search button 124Z. Before pressing the search button 124Z, nothing is displayed in the result display area 124A. When the worker inputs conditions in any of the search fields 124C to 124I and presses the search button 124Z, the server control unit 112 refers to the customer information table 32, and displays in the result display area 124A, for the customers who meet the searched conditions, the customer name (personal name / corporate representative name), telephone (personal telephone number), mobile (mobile number), corporate name / workplace (company name), telephone (reception) (main telephone number), and telephone (direct) (direct telephone number) in one line as a customer candidate list 124X. When the worker selects (clicks) a customer he / she wishes to refer to from the customer candidate list 124X, the server control unit 112 identifies the customer from the customer information table 32 and displays a customer card 122 in a pop-up on the agency terminal 12 (see FIG. 11).

[0047] (Display insurance list) Here, when the worker presses the contract information button 122P (see FIG. 11), the server control unit 112 refers to the contract information table 37 and displays the insurance contract information (insurance subscribed to by the customer) linked by the management ID as insurance search results 125 (one-line list) in the result display area 124A. FIG. 12 is a display example of the insurance search results 125.

[0048] (Insurance Extraction) The upper area of ​​the insurance search result 125 includes an extraction condition selection area 126 including a corporate classification sort button 126A, a customer name sort button 126B, an insurance classification sort button 126C, an insurance type sort button 126D, a clear button 126E, and a subsidiary hide button 126F. The corporate classification sort button 126A allows the selection of individual / corporate / all (both individual and corporation) related to the customer card 122, and when "corporate" is selected, the list is displayed narrowed down to insurance of the company related to the individual (or corporate representative) of the customer card 122, when "individual" is selected, the list is displayed narrowed down to personal insurance of the individual (or corporate representative) of the customer card 122, when "all" is selected, both insurances are displayed in a list. The customer name sort button 126B displays the customers listed as customer names in the insurance search result 125 in a selection box. The insurance classification sort button 126C allows the selection of life insurance / non-life insurance / all (both life insurance and non-life insurance). The insurance type sort button 126D displays a selection box of insurance type. When the Hide Subsidiary Company button 126F is selected, if a subsidiary company is linked to the customer card 122, the server control unit 112 will refer to the subsidiary company management table 36, and when the management ID of the customer card 122 is the reference ID, it will also refer to the subsidiary company's contract information table 37. Therefore, when the box is unchecked, the subsidiary company's insurance will be displayed in a list, and when the box is checked, the subsidiary company's insurance will be hidden. The Clear button 126E can reset the above extraction conditions.

[0049] The worker sets the conditions to be output in the extraction condition selection area 126 and presses the print button 126Z. The insurance management server 11, upon receiving this, narrows down the insurance in the insurance search result 125 by the extraction conditions and transmits the information to the agency terminal 12. The web application of the agency terminal 12 outputs it as an "insurance enrollment status list" as follows:

[0050] (Output of insurance enrollment status list) FIG. 13 is an example of the output of the insurance status list 50. FIG. 13 is the insurance status list 50 output from the customer card 122 of "Aaaa Taro." The insurance status list 50 has a first area 51 at the top, a second area 52 displayed after the first area 51, and a third area 53 displayed after the second area 52. The first area 51 displays the customer's name and date of birth. The first area 51 is always displayed on each page. The second area 52 and the third area 53 may span pages. The second area 52 displays the "life insurance" that the customer has subscribed to, and the third area 53 displays the "non-life insurance" that the customer has subscribed to.

[0051] In the second area 52 and the third area 53, the insurance policies that "Aaaa Taro" has subscribed to are displayed with a thick frame around each insurance policy (see reference numerals 54A to 54C and 54D to 54F in FIG. 13).

[0052] In the enclosures (54A to 54F), the first display item 541 on the far left displays "purpose" or "vehicle name". "Vehicle name" is displayed only when automobile insurance is displayed, and "purpose" is displayed otherwise. The second display item 542 displayed to the right of the first display item 541 displays "insurance type" and "policy number", and the third display item 543 displayed to the right of that displays "insurance period" and "payment end date" in the second area 52 (life insurance), and "insurance period" and "insurance expiration date" in the third area 53 (non-life insurance). The fourth display item 544 displayed to the right of that displays "contract details". The fourth display item 544 (contract details) is configured as a multi-line box, and the details of the main contract are displayed in the first line, and the details of the special contract are displayed after the details of the main contract. Below the fourth display item 544, the fifth display item 545 displays "insurance company", "payment method", and "annual premium". The fifth display item 545 is displayed so as to hang from the fourth display item 544 .

[0053] First display item 541 to fifth display item 545 are each read out from contract information table 37. If the coverage differs for each "purpose" of first display item 541 even for the same insurance, first display item 541 to fourth display item 544 are displayed multiple times, as in frame 54C and frame 54E, and fifth display item 545 is displayed hanging from the bottom row. In the case of automobile insurance, fourth display item 544 further displays "registration number," "non-insured," and "grade," as in frame 54F.

[0054] The insurance enrollment status list 50 is output to the display unit 13 or printer of the agency terminal 12 in an A4 size portrait print layout, with the creation date of the insurance enrollment status list 50 in the header and the page number in the footer.

[0055] (Use of insurance management system) Next, an explanation will be given of an insurance management method using the insurance management system 1 configured as described above. Fig. 14 shows the workflow of insurance management, with Fig. 14(A) being a preparation flowchart for using the insurance management system 1, and Fig. 14(B) being a flowchart for using the insurance management system 1.

[0056] In the preparation flowchart ((A) of FIG. 14), when the insurance management system 1 is started from the agency terminal 12 and the new customer registration button 121A is pressed from the top page 121, the system proceeds to step S1, where the customer card 122 is displayed on the agency terminal 12 and the creation of the customer card 122 is permitted. When the worker finishes inputting and presses the add button 122Z, the system proceeds to step S2 and the customer information is stored in the customer management table 31, the customer information table 32, optionally the family information table 33, optionally the account information table 34, optionally the delivery destination information table 35, and optionally the subsidiary management table 36. Next, the system proceeds to step S3 and permits input into the contract information input form 123. When the worker finishes inputting and presses the add button 123Z, the system proceeds to step S4 and stores the insurance contract information in the contract information table 37 and terminates the system.

[0057] In the flowchart of system usage (FIG. 14(B)), when the insurance management system 1 is started from the agency terminal 12 and the customer search button 121B is pressed from the top page 121, the system proceeds to step S11 and a customer card search page 124 is displayed on the agency terminal 12. When the worker inputs conditions and presses the search button 124Z, the system proceeds to step S12 and displays a customer candidate list 124X in the result display area 124A. When the worker selects a customer to refer to and presses the contract information button 122P of the customer card 122, the system proceeds to step S13 and displays the insurance search results 125 of the insurance to which the customer has joined in the result display area 124A. When the worker sets the extraction conditions in the extraction condition selection area 126, the system proceeds to step S14 and narrows down the insurance search results 125 according to the extraction conditions. When the worker presses the print button 126Z, the system proceeds to step S15 and outputs, as an insurance enrollment status list 50, all insurance contract information listed in the insurance search results 125 extracted in step S14.

[0058] (Action and effect) As described above, according to the insurance management system 1 of this embodiment, the insurance agency A can output the insurance enrollment status list 50 for multiple insurance policies subscribed to by the insurance agency A's customers. The insurance enrollment status list 50 outputs the insurance policies subscribed to by the customers in a report format, regardless of the insurance company, and unifying life insurance and non-life insurance.

[0059] In the insurance enrollment status list 50, life insurance and non-life insurance are output in a common format (first display item 541 to fifth display item 545), and even for non-life insurance, for which it is difficult to unify basic information like life insurance, the same amount of information is organized and output as for life insurance.

[0060] Items in the insurance enrollment status list 50 are selected so that only the information that the customer particularly wants to know is listed, and only the "purpose" of the insurance (for automobile insurance, "vehicle name"), "insurance type", "policy number", "insurance period" and "payment end date or maturity date", "contract details", "insurance company", "payment method" and "annual premium" are picked up and output.

[0061] In the "Contract Details" section of the insurance enrollment status list 50, the details of the main contract are displayed on the first line, followed by the details of any special provisions, and the report is output including the special provisions.

[0062] In particular, with regard to special clauses, not only basic matters are entered, but special clauses that the workers of insurance agency A have selected and thought to be important for the customer are entered via the "special clause content input box 123R" (see Fig. 8). Therefore, the customer can check the special clauses that are important to him / her simply by looking at the insurance enrollment status list 50, so there is no need to refer back to the special clause content in a separate document.

[0063] The content words entered in the "special contract content" are stored in the special contract content table 42 (see FIG. 9) according to the type of insurance, and the system allows the previously entered words to be referenced in the select box 123R' (see FIG. 8). Therefore, the select box 123R' serves as an input guide for the worker, and it is possible to prevent inconsistencies, omissions, and inconsistencies in notation from occurring in the input of each worker.

[0064] When using the insurance management system 1, the worker can set extraction conditions in the extraction condition selection area 126. For this reason, insurance agents are often asked by customers what insurance the customer is currently subscribed to and what the entire subscription status is. In response to such a request from a customer, the worker can immediately provide the customer with a list of all the insurances subscribed to by the customer and the customer's company by selecting "all" for the corporate classification sort button 126A, the customer name sort button 126B, the insurance classification sort button 126C, and the insurance type sort button 126D in the extraction condition selection area 126 (see FIG. 12). In addition, when an emergency occurs to the customer, the insurance agent A can immediately output the insurance subscription status list 50 and advise the customer which insurance claim can be used.

[0065] In addition, since the subsidiary company hide button 126F is provided, whether or not the subsidiary company's insurance is included can be selected immediately by checking or unchecking it. For example, in response to questions such as "Which parent company / subsidiary / which subsidiary company has the fire insurance for a certain property?" or "Which parent company / subsidiary / which subsidiary company has the automobile insurance for a shared car?", the insurance agent A can immediately provide information by operating the subsidiary company hide button 126F.

[0066] In this way, the insurance management system 1 of the embodiment is configured to be familiar to the insurance agency and to easily respond to requests from customers. In addition, the insurance management system 1 is constructed so that customer information and the insurance contract information can be handled not only by the insurance salesperson in charge but by the entire insurance agency, so it is effective in the business succession of insurance agency A and makes it easy to take over.

[0067] (Modification) A preferred modified example of the embodiment will be described. FIG. 15 shows the workflow of insurance management of the modified example, and is a flowchart using the insurance management system 1 according to the modified example. The same words as those in the embodiment will be used with the same reference numerals and will not be described again. In the modified example, in steps S11 to S14, the insurances listed in the insurance enrollment status list 50 are narrowed down, and when the worker presses the print button 126Z, the system proceeds to step S15'. In step S15', the server control unit 112 checks whether there is any overlap in the content words listed in the special clause contents of the fourth display item 544 (contract contents) of the insurance enrollment status list 50 for each insurance contract information listed in the insurance search result 125 extracted in step S14. Next, in step S16', if there is any overlap in the content words, the server control unit 112 outputs the insurance enrollment status list 50 with the overlapping content words highlighted, for example, by turning them into red. Alternatively, the insurance contract information having the overlapping content words may be output as a report on a separate page after the insurance enrollment status list 50. According to this modified example, for example, if there is an overlap between the attorney's clause in the automobile insurance and the fire insurance, or if there is an overlap between the automobile insurance, the accident insurance, and the fire insurance and the living expenses compensation clause, the overlap is indicated in the insurance subscription status list 50, and the insurance agent A can use the insurance subscription status list 50 to advise the customer about the existence of the overlap and how to resolve the overlap.

[0068] Although the preferred embodiment and modifications of the present invention have been described above, these can be modified and combined based on the knowledge of those skilled in the art, and such modifications are also included within the scope of the present invention. [Explanation of symbols]

[0069] 1...insurance management system, 11...insurance management server, 12...agency terminal, 31...customer management table, 32...customer information table, 36...subsidiary management table, 37...contract information table, 42...special clause content table, 50...insurance subscription status list, 122...customer card, 123R'...selection box 541~545...first display item~fifth display item

Claims

1. An insurance management server managed by an insurance agency and an agency terminal capable of communicating with the insurance management server, The insurance management server, based on the customer card created at the agent terminal, storing a customer management table that associates and stores the customer names and management IDs of the customers of the insurance agency, a customer information table that associates and stores the management IDs and customer information of the customers, and a contract information table that associates and stores the management IDs and insurance contract information of the customers; The insurance management system is characterized in that the insurance management server identifies the customer searched for from the agency terminal based on the customer information table, and by referring to the contract information table, outputs to the agency terminal a list of insurance coverage status for the insurance that the customer has subscribed to, which lists life insurance and non-life insurance.

2. 2. The insurance management system according to claim 1, wherein the insurance enrollment status list is output in a common format having common display items for life insurance and non-life insurance.

3. The insurance management system according to claim 2, characterized in that the display items include the purpose of the insurance or the name of the vehicle, the type of insurance, the policy number, the insurance period, the payment end date or maturity date, the contract details, the insurance company, the payment method, and the annual insurance premium, and the contract details include the details of the main contract on the first line, followed by the details of any special provisions.

4. the insurance management server stores a special contract content table that stores content words of the special contract content described as one of the display items in correspondence with the insurance type; The insurance management system according to claim 2, characterized in that the insurance management server refers to the special contract content table when the agency terminal inputs special contract content into the customer card, and displays the content words in a select box.

5. the insurance management server stores a subsidiary management table in which the management ID of a parent company is associated with the management ID of a subsidiary as a reference ID and stored; The insurance management system described in claim 1, characterized in that the insurance management server refers to the subsidiary management table, and if the management ID of the customer searched for from the agency terminal is the reference ID, it also refers to the contract information table of the subsidiary and outputs the insurance enrollment status list including the insurance contract information of the subsidiary.

6. The insurance management system according to claim 1, characterized in that if there is any overlap in the content words of the special clause contents listed as one of the display items in the insurance coverage status list, the insurance management server highlights the content words and outputs the insurance coverage status list.

7. Based on the customer card created from the agency terminal, an insurance management server stores a customer management table that associates and stores the customer name and management ID of the customer of the insurance agency, a customer information table that associates and stores the management ID and the customer information of the customer, and a contract information table that associates and stores the management ID and the insurance contract information of the customer, Identifying the customer searched for from the agency terminal based on the customer information table; and outputting to the agency terminal a list of insurance status, which lists life insurance and non-life insurance, for the insurance subscribed to by the customer, by referring to the contract information table of the customer.

8. 8. An insurance management program, comprising: a computer program that executes the insurance management method according to claim 7.

9. A computer-readable recording medium having the computer program according to claim 8 recorded thereon.

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