Business support device, business support method, and business support program

Abstract

To support the creation of insurance premium payment statement data.SOLUTION: Based on a cooperative file provided by an insurance company, a business support device generates, for each customer, status codes indicating the validity or invalidity of insurance policies for a main contract insurance and a special contract insurance included in an insurance plan subscribed by a customer receiving the loan, as well as special contract data including unique special contract categories attached respectively to the main contract insurance and the special contract insurance. The business support device also detects current month's outstanding loan balance for customers whose main contract insurance or special contract insurance status code is valid. The business support device multiplies the detected current month's outstanding loan balance by a guarantee rate for each special contract category to calculate the current month's insurance amount for each special contract category, and then multiplies the calculated insurance amount for each special contract category by a specified insurance rate, to calculate a current month's insurance premium for each special contract category. The business support device generates and outputs insurance premium payment statement data including the calculated insurance amount for the current month for each special contract category and the insurance premium for the current month for each special contract category.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a business support device, a business support method, and a business support program. [Background technology]

[0002] Today, group credit life insurance is known, which is an insurance contract in which a creditor such as a bank is the policyholder and beneficiary, and a debtor who has received a loan from the bank is the insured. As background technology related to this group credit life insurance, Patent Document 1 (JP 2022-112579 A) discloses an insurance subscription general server device.

[0003] In this insurance subscription integrated server device, the application accepting means accepts insurance subscription application data from the user terminal device. The application sending means converts the insurance subscription application data to match the format of the insurance company server device that handles the recommended insurance products and sends it to the insurance company server device. The insurance company server device sends a notification of whether or not the requested insurance product can be subscribed to based on the subscription application data to the insurance subscription integrated server device. The subscription approval / disapproval sending means references the user registration information and sends the notification of whether or not the user can subscribe to the user's email address. The subscription approval / disapproval recording means records the notification of whether or not the user can subscribe so that it can be viewed from the bank terminal device.

[0004] This allows the user to know via email whether or not the insurance they have applied for can be subscribed to, and allows the bank staff member to know whether or not they can subscribe via the bank terminal device. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Publication No. 2022-112579 Summary of the Invention [Problem to be solved by the invention]

[0006] When a debtor enrolls in group credit life insurance offered by an insurance company, the lending company providing the loan to the debtor must prepare and submit (report) premium payment statement data including at least the current month's insurance amount and premium for each of the main insurance contract and one or more rider insurance contracts included in the insurance plan subscribed to by the debtor. The task of preparing this premium payment statement data was a burden on the person in charge.

[0007] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a business support device, a business support method, and a business support program that support the creation of insurance premium payment statement data and reduce the burden on the person in charge. [Means for solving the problem]

[0008] The business support device of the present invention is a business support device that supports the creation of insurance premium payment statement data that a loan company needs to submit to an insurance company when a customer who receives a loan from a loan company subscribes to a group credit life insurance in which the insurance company repays the loan company on behalf of the customer when the customer has difficulty repaying the loan. To solve the above-mentioned problems and achieve the object, the business support device of the present invention includes: a special contract data generation unit that generates, for each customer, special contract data including a status code indicating whether the main contract insurance and one or more special contract insurance included in the insurance plan subscribed to by the customer who receives the loan, and special contract classifications which are unique identification numbers assigned to the main contract insurance and the special contract insurance, based on a link file provided by the insurance company; a loan balance detection unit that references a first memory unit that stores at least the loan balance for the current month for each customer and a repayment classification indicating whether the loan amount has been repaid in full or is in a transaction before repayment, and detects the loan balance for the current month for customers whose status code of the main contract insurance or the special contract insurance is valid; The insurance system has an acquisition unit that refers to a second memory unit in which the guarantee rate, insurance rate, and benefit amount for each special insurance category are stored, and acquires the guarantee rate and insurance rate for each special insurance category to which a customer whose loan balance has been detected has subscribed; a calculation unit that calculates the insurance amount for the current month for each special insurance category by multiplying the loan balance for the current month detected from the first memory unit by the guarantee rate for each special insurance category detected from the second memory unit, and calculates the insurance premium for the current month for each special insurance category by multiplying the calculated insurance amount for each special insurance category by the insurance rate detected from the second memory unit; a data generation unit that generates insurance premium payment statement data including the calculated insurance amount for the current month for each special insurance category and the insurance premium for the current month for each special insurance category; and an output control unit that outputs the generated insurance premium payment statement data to an external device.

[0009] In addition, the business support method of the present invention is a business support method that supports the creation of insurance premium payment statement data that must be submitted by a lending company to an insurance company, by having a customer who has received a loan from a lending company take out a group credit life insurance policy in which the insurance company makes repayments to the lending company on the customer's behalf when the customer has difficulty repaying the loan. In order to solve the above-mentioned problems and achieve the object, the business support method of the present invention includes a rider data generation step in which a rider data generation unit generates rider data for each customer based on an association file provided by an insurance company, the rider data including a status code indicating whether the main contract insurance and one or more rider insurance policies included in the insurance plan subscribed to by the customer receiving the loan are valid or invalid, and a rider classification which is a unique identification number assigned to each of the main contract insurance and the rider insurance; a loan balance detection step in which a loan balance detection unit references a first memory unit which stores the loan balance for at least the current month for each customer and a repayment classification which indicates whether the loan amount has been repaid in full or is in a transaction before repayment, and detects the loan balance for the current month for customers for whom the status code of the main contract insurance or the rider insurance is valid; and a loan balance detection step in which an acquisition unit detects the loan balance for the current month for customers for whom the status code of the main contract insurance or the rider insurance is valid, the loan balance detection unit references a first memory unit which stores the loan balance for at least the current month for each customer and a repayment classification which indicates whether the loan amount has been repaid in full or is in a transaction before repayment; The method includes an acquisition step of referring to a second memory unit in which the guarantee rate, insurance rate, and benefit amount for each special clause category of insurance is stored, and acquiring the guarantee rate and insurance rate for each special clause category to which the customer whose loan balance has been detected has subscribed; a calculation step in which a calculation unit calculates the insurance amount for the current month for each special clause category by multiplying the loan balance for the current month detected from the first memory unit by the guarantee rate for each special clause category detected from the second memory unit, and calculates the insurance premium for the current month for each special clause category by multiplying the calculated insurance amount for each special clause category by the insurance rate detected from the second memory unit; a data generation step in which a data generation unit generates insurance premium payment statement data including the calculated insurance amount for the current month for each special clause category and the insurance premium for the current month for each special clause category; and an output control step in which an output control unit outputs the generated insurance premium payment statement data to an external device.

[0010] The business support program of the present invention is a business support program executed by a computer of a business support device that supports the creation of insurance premium payment statement data that a loan company needs to submit to an insurance company when a customer who receives a loan from a loan company subscribes to a group credit life insurance in which the insurance company repays the loan company on behalf of the customer when the customer has difficulty repaying the loan. To solve the above-mentioned problems and achieve the object, the business support program of the present invention includes: a special contract data generation unit that generates, for each customer, special contract data including a status code indicating whether the main contract insurance and one or more special contract insurance included in the insurance plan subscribed to by the customer who receives the loan, and special contract classifications which are unique identification numbers assigned to the main contract insurance and the special contract insurance, based on a link file provided by the insurance company; a loan balance detection unit that references a first memory unit that stores at least the loan balance for the current month for each customer and a repayment classification indicating whether the loan amount has been repaid in full or is in a transaction before repayment, and detects the loan balance for the current month for customers whose status code of the main contract insurance or the special contract insurance is valid; and a calculation unit that calculates the insurance amount for the current month for each special provision category by multiplying the loan balance for the current month detected from the first memory unit by the guarantee rate for each special provision category detected from the second memory unit, and calculates the insurance premium for the current month for each special provision category by multiplying the calculated insurance amount for each special provision category by the insurance rate detected from the second memory unit, respectively; a data generation unit that generates insurance premium payment statement data including the calculated insurance amount for the current month for each special provision category and the insurance premium for the current month for each special provision category; and an output control unit that outputs the generated insurance premium payment statement data to an external device. [Effects of the Invention]

[0011] The present invention can support the creation of insurance premium payment statement data, thereby reducing the burden on the person in charge of creating the insurance premium payment statement data. [Brief explanation of the drawings]

[0012] [Figure 1] FIG. 1 is a block diagram illustrating a hardware configuration of a task assistance device according to an embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of a group life insurance plan master table provided in the business support device according to the embodiment. [Figure 3] FIG. 3 is a diagram illustrating an example of a group life insurance rider master table provided in the business support device according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of an application information screen displayed on the business support device according to the embodiment. [Figure 5] FIG. 5 is a diagram illustrating an example of a loan information screen displayed on the business support device according to the embodiment. [Figure 6] FIG. 6 is a diagram showing an example of application account data generated when applying for a loan. [Figure 7] FIG. 7 is a diagram showing an example of group credit insurance rider data generated based on the group credit insurance plan and rider insurance of the insurance subscribed to by the customer at the time of applying for a loan. [Figure 8] FIG. 8 is a diagram showing an example of group life insurance result data generated based on a link file provided by an insurance company. [Figure 9] FIG. 9 is a diagram showing the group life insurance rider data in a state in which the status code has been updated based on the group life insurance result data generated based on the linked file provided by the insurance company. [Figure 10] FIG. 10 is a diagram showing an example of end-of-month account transaction data in which end-of-month account transaction data including the loan balance and full repayment classification of each customer is stored. [Figure 11] FIG. 11 is a diagram showing an example of the end-of-month account loan data storage unit in which the customer number is registered together with the loan date when a loan is made to a customer. [Figure 12] FIG. 12 is a diagram illustrating an example of insurance premium payment statement data created by the business support apparatus according to the embodiment. [Figure 13]FIG. 13 is a diagram showing an example of insurance premium payment statement data (details) created by the business support device according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0013] An embodiment in which the present invention is applied to a business support device for a loan company will be described in detail below with reference to the drawings. The business support device of this embodiment supports the creation of insurance premium payment statement data that must be submitted by the loan company to the insurance company when a customer who has borrowed from the loan company subscribes to a group credit life insurance policy in which the insurance company repays the loan company on behalf of the customer when the customer has difficulty repaying the loan. Note that the present invention is not limited to the following embodiment.

[0014] [overview] When a customer who has taken out a loan from a lending company enrolls in group credit life insurance, the lending company is required to submit a premium payment statement to the insurance company. This premium payment statement must be created by recognizing the status of the receivables shown in the linked file provided by the insurance company and calculating the insurance amount and premium for at least the current month based on the balance. As a result, the task of creating premium payment statements places a heavy burden on the person in charge.

[0015] For this reason, the business support device according to the embodiment: 1. Group life insurance plan and group life insurance special contract master management function 2. Status management function for group life insurance special contract data related to claims 3. A function to import linked files from insurance companies and update the status of group life insurance rider data 4. Premium payment statement creation function This is intended to reduce the burden of preparing insurance premium payment statements.

[0016] (Hardware configuration) As shown in Fig. 1, the business support device 1 of the embodiment includes a storage unit 2, a control unit 3, a communication interface unit 4, and an input / output interface unit 5. An input device 6 and an output device 7 are connected to the input / output interface unit 5. The output device 7 corresponds to a display unit such as a monitor device (including a home television), a printing device, or a speaker device. The input device 6 may be a keyboard device, a mouse device, a microphone device, or a monitor device that cooperates with a mouse device to realize a pointing device function.

[0017] The communication interface unit 4 is connected to the insurance company's terminal device 51 via a network 50, which may be a wide area network such as the Internet or a private network such as a local area network (LAN). The insurance company's terminal device 51 transmits an associated file for creating an insurance premium payment statement to the business support device 1 via the network 50. The business support device 1 also transmits insurance premium payment statement data created based on the associated file to the insurance company's terminal device 51 via the network 50.

[0018] The storage unit 2 may be, for example, a storage device such as a read only memory (ROM), a random access memory (RAM), a hard disk drive (HDD), or a solid state drive (SSD).

[0019] A business support program for supporting the creation of insurance premium payment statements is stored in the memory unit 2. The memory unit 2 also includes a group life insurance plan master table 11, a group life insurance rider master table 12, an application account data storage unit 13, a group life insurance rider data storage unit 14, a group life insurance result data storage unit 15, an end-of-month account transaction data storage unit 16, an end-of-month account loan data storage unit 17, an insurance premium payment statement data storage unit 18, and a maximum data number storage unit 19, which are storage areas.

[0020] The group credit life insurance plan master table 11 stores the group credit life insurance plan classification and group credit life insurance plan name that are uniquely assigned to each insurance plan of the group credit life insurance offered by the insurance company, as shown in Figure 2. The group credit life insurance plan master table 11 also stores the revision date and additional interest rate (group credit life insurance additional interest rate) for each group credit life insurance plan.

[0021] As shown in Figure 3, the group life insurance rider master table 12 stores the rider category, which is a unique number assigned to each main contract insurance and rider insurance included in each group life insurance plan, the revision date, type category, rider name, guarantee rate, insurance rate, and benefit amount of the main contract insurance and rider insurance for each rider category.

[0022] In the example shown in Figure 3, a group life insurance plan with a group life insurance plan classification of "1" includes a main contract insurance policy and an optional rider for living needs, with the main contract insurance being assigned a rider classification of "1" and the optional rider for living needs being assigned a rider classification of "2." The main contract insurance policy also has a guaranteed rate of "10%" and an insurance rate of "1000%." ​​The optional rider for living needs also has a guaranteed rate of "5%" and an insurance rate of "2000%."

[0023] The example in Figure 3 shows a group life insurance plan with a group life insurance plan classification of "3," which was revised on February 1, 2023, that includes a main insurance policy, an optional cancer rider, and a benefit rider. The main insurance policy has a rider classification of "1," the optional cancer rider has a rider classification of "3," and the benefit rider has a rider classification of "4." The main insurance policy has a guaranteed rate of "10%" and an insurance rate of "1000%." ​​The optional cancer rider has a guaranteed rate of "5%" and an insurance rate of "3000%." ​​The benefit rider has a guaranteed rate of "1000%" and a benefit amount of "1 million yen."

[0024] (Functional configuration of business support device) Next, the control unit 3 executes the business support program stored in the memory unit 2, and thereby functions as a data generation unit 21, a loan balance detection unit 22, an acquisition unit 23, a calculation unit 24, a display control unit 25 (an example of an output control unit), a special clause data generation unit 26, a group life insurance result data generation unit 27, an insurance premium payment statement data generation unit 28, and an output control unit 29, as shown in Figure 1.

[0025] The data generating unit 21 includes a special contract data generating unit 26, a group life insurance result data generating unit 27, and an insurance premium payment statement data generating unit 28.

[0026] Based on the linked file provided by the insurance company, the special contract data generation unit 26 generates special contract data for each customer (see Figure 9), which includes a status code (see Figure 9) indicating the validity or invalidity of the insurance contract for each main contract insurance and one or more special contract insurances included in the insurance plan subscribed to by the customer receiving the loan, and a special contract classification (see Figure 9), which is a unique identification number assigned to each of the main contract insurance and the special contract insurance (see Figure 9).

[0027] The loan balance detection unit 22 refers to a first memory unit (month-end account transaction data memory unit 16 in Figure 10) that stores the loan balance for each customer for at least the current month and the repayment classification indicating whether the loan amount has been repaid in full or is in the process of being repaid in full, and detects the loan balance for the current month for customers whose status code for the main contract insurance or special insurance is valid.

[0028] The acquisition unit 23 refers to a second memory unit (group life insurance rider master table 12 in Figure 3) in which the guarantee rate, insurance rate, and benefit amount are stored for each rider category of the main contract insurance and rider insurance included in each insurance plan, and acquires the guarantee rate and insurance rate for each rider category to which the customer whose loan balance has been detected has subscribed.

[0029] The calculation unit 24 calculates the insurance amount for the current month for each special clause category by multiplying the loan balance for the current month detected from the first storage unit (month-end account transaction data storage unit 16 in Fig. 10) by the guarantee rate for each special clause category detected from the second storage unit (group life insurance special clause master table 12 in Fig. 3). The calculation unit 24 also calculates the insurance premium for the current month for each special clause category by multiplying the calculated insurance amount for each special clause category by the insurance rate detected from the second storage unit.

[0030] The data generating unit (insurance premium payment statement data generating unit 28) generates insurance premium payment statement data including the calculated insurance amount for the current month for each special clause category and the insurance premium for the current month for each special clause category. The output control unit 29 outputs (transmits) the generated insurance premium payment statement data to an external device (terminal device 51 of the insurance company).

[0031] The group life insurance result data generation unit 27 generates group life insurance result data including a status code indicating whether the main contract insurance and special contract insurance for each special contract category are valid or expired, and the payment amount, based on the linked file provided by the insurance company (see Figure 8).

[0032] The special provision data generation unit 26 inputs a valid or invalid status code for each special provision category of the special provision data (see Figure 9) based on the valid or expired status code for each special provision category of the generated group life insurance result data (see Figure 8), and if an invalid status code is input, adds the year and month when the linked file was obtained as the expiration year and month (see Figure 9).

[0033] In addition, when the group life insurance result data generation unit 27 references the previous linked file, it stores the largest data number among the series of data numbers of the data included in the previous linked file in a memory unit (largest data number memory unit 19), and when it references the linked file for the current month, it references data with data numbers subsequent to the largest data number stored in the memory unit (largest data number memory unit 19).

[0034] The second storage unit (group life insurance rider master table 12 in FIG. 3) stores the benefit amount for the corresponding rider category along with the guarantee rate and insurance rate. The data generation unit (premium payment statement data generation unit 28) generates premium payment statement data that includes the benefit amount for the corresponding rider category detected from the second storage unit (group life insurance rider master table 12 in FIG. 3) as the insurance amount.

[0035] In addition, the data generation unit (insurance premium payment statement data generation unit 28) generates insurance premium payment statement data including the calculated insurance amount for the current month for each special contract category and the insurance premium for the current month for each special contract category, as well as the insurance amount for the previous month for each special contract category, the insurance amount for the current month for group credit life insurance enrollment for the current month for each special contract category, and the insurance amount for full repayment and withdrawal from group credit life insurance (see Figure 12).

[0036] [Support for creating insurance premium payment statements] Next, a description will be given of the operation of supporting the creation of insurance premium payment statements in the business support device 1 of the embodiment. The control unit 3 of the business support device 1 of the embodiment executes the business support program stored in the storage unit 2, thereby functioning as the data generation unit 21 to the output control unit 29, and assists in the creation of insurance premium payment statements.

[0037] In this example, the data generation unit 21 to the output control unit 29 are described as being realized by software based on a business support program. However, all or part of the data generation unit 21 to the insurance premium payment statement data generation unit 28 may be realized by hardware. In either case, the same effects as those described below can be obtained.

[0038] (Application input processing) First, when applying for a loan to a customer, the clerk specifies the display of the application information screen via the input device 6. When this specification operation is performed, the display control unit 25 displays the application information screen shown in FIG. 4 via the output device 7. The clerk inputs the group credit life insurance plan category of the group credit life insurance to be subscribed by the customer to whom the loan is being provided, into this application information screen. The example in FIG. 4 shows an example in which the clerk inputs the group credit life insurance plan category of "3".

[0039] When the group life insurance plan category is input, the display control unit 25 displays the loan information screen shown in Figure 5 via the output device 7, and displays the group add-on interest rate corresponding to the group life insurance plan category stored in the memory unit 2 on the loan information screen. At the same time, the calculation unit 24 calculates the loan interest rate based on the group add-on interest rate corresponding to the group life insurance plan category stored in the memory unit 2. The display control unit 25 displays the calculated loan interest rate on the loan information screen.

[0040] The example in Figure 5 shows that a group surcharge interest rate of "0.3%" is displayed on the loan information screen as the group surcharge interest rate for group plan category "3," and a loan interest rate of "2.1%" is calculated based on this group surcharge interest rate and displayed on the loan information screen.

[0041] In this way, by automatically calculating and displaying the group surcharge interest rate and loan interest rate corresponding to the group plan category, the staff member can eliminate the work of researching and inputting the group surcharge interest rate and loan interest rate, thereby facilitating the staff member's work.

[0042] Next, in response to the input operation of the person in charge, the data generation unit 21 generates application time account data including a unique customer number automatically assigned to the customer to whom the loan is to be provided, and the group plan classification of "3" for the group credit life insurance to which the customer is subscribed, as illustrated in Figure 6, and stores this in the application time account data storage unit 13.

[0043] Furthermore, when a customer selects a group plan for group credit life insurance, they may select one or more rider insurance policies in addition to the main contract insurance included in the selected group plan. The staff member inputs the group life insurance plan category of the group plan to which the customer will subscribe, the rider category of the main contract insurance, and the rider category of the rider insurance selected by the customer via a group rider input screen (not shown). Furthermore, since the rider insurance selected by the customer is "valid" at the time of application, the staff member inputs "valid" status codes for the main contract insurance and the rider insurance selected by the customer via the group rider input screen.

[0044] Based on the input contents on the group special insurance input screen, the special insurance data generation unit 26 generates group life insurance special insurance data including the group life insurance plan category, branch number, customer number, status code, and expiration date of the special insurance for each special insurance category contracted by the customer, as shown in Figure 7, and stores it in the group life insurance special insurance data storage unit 14.

[0045] The example in Figure 7 shows the group life insurance rider data for a customer with customer number "100001" who selects a group life insurance plan with group life insurance plan category "3," and enrolls in a primary insurance policy with rider category "1" included in this group life insurance plan with group life insurance plan category "3," a cancer guarantee rider with rider category "3," and a benefit rider with rider category "4." At this point, the primary insurance policies and rider categories "1," "3," and "4" are valid, so the status code entered for the primary insurance policies and rider categories "1," "3," and "4" is "valid."

[0046] (Importing linked files) Next, the insurance company provides the loan company with a linked file each month. The business support device 1 acquires the linked file data sent from the insurance company's terminal device 51. Based on the linked file data acquired from the insurance company, the group life insurance result data generation unit 27 generates group life insurance result data including the serial number, financial institution number, contract status, status of special contract category "1," status of special contract category "2," status of special contract category "3," status of special contract category "4," payment date, and payment amount, as shown in FIG. 8, and stores the data in the group life insurance result data storage unit 15.

[0047] The contract status is information that indicates whether the insurance contract between the insurance company and its customer is valid or invalid. In the example of Figure 8, the insurance contract between the insurance company and the customer is "valid." As for the status of the special clause category, the status of special clause category "1" is the status for the main contract insurance, and in the example of Figure 8, it is "valid." The status of special clause category "2" is the status for the special clause insurance for living needs, and in the example of Figure 8, it is blank because the customer has not yet subscribed to this insurance.

[0048] The status of rider category "3" is the status of the cancer guarantee rider insurance, which is "extinguished" in the example of Figure 8. The status of rider category "4" is the status of the primary hospitalization benefit rider insurance, which is "extinguished" in the example of Figure 8.

[0049] In the example of Figure 8, the payment date is "September 15, 2023" and the payment amount is "1 million yen."

[0050] Each time a linked file is acquired, the group life insurance result data generation unit 27 updates the group life insurance result data storage unit 15 with the latest group life insurance result data (refreshing and updating each time). At this time, the group life insurance result data generation unit 27 stores the serial number (maximum data number) assigned to the last data item in the linked file referenced this time in the maximum data number storage unit 19. Then, the next time the linked file is imported, the unit references the maximum data number storage unit 19 and acquires data from the linked file with a data number equal to or greater than the previous maximum data number, generating the group life insurance result data shown in Figure 8. This allows the data corresponding to the current month from the data in the linked file to be quickly detected and imported, and group life insurance result data can be generated quickly without placing a burden on the person in charge.

[0051] Furthermore, when the status of the special clause category becomes "extinguished," the group life insurance result data generation unit 27 updates the status code of the group life insurance special clause data corresponding to the special clause category whose status has become "extinguished," which is currently "0: valid," to "1: invalid" (the status code of "0: valid" is the update target), as shown in Figure 9. Furthermore, the group life insurance result data generation unit 27 inputs the date on which the linked file was imported into the year and month of extinction of the group life insurance special clause data corresponding to the special clause category whose status has become "extinguished."

[0052] In the examples of Figures 8 and 9, in the linked file imported in "September 2023," the cancer guarantee rider insurance of rider category "3" and the primary hospitalization benefit rider insurance of rider category "4" are each marked as "expired." Therefore, the group life insurance result data generation unit 27 updates the status codes of the group life insurance result data corresponding to rider category "3" and rider category "4" to "1: invalid," respectively. In addition, the group life insurance result data generation unit 27 enters the date of import of the linked file, "September 2023," into the "expiration year / month" of the group life insurance result data corresponding to rider category "3" and rider category "4."

[0053] (End of month closing processing) Next, when it is time for accounting at the end of the month, the person in charge inputs the end-of-month account transaction data, including the loan balance for that month, the repayment classification, etc. In response to this input operation, the data generation unit 21 generates the end-of-month account transaction data for each customer, as shown in Figure 10, and stores it in the end-of-month account transaction data storage unit 16. The example in Figure 10 shows that the current month is "September 2023," the loan balance for customer number "100001" as of this month is "10 million yen," and the loan is still in progress (repayment classification: transaction in progress).

[0054] Furthermore, the example in Figure 10 shows that on September 1, 2023, the loan amount of 100,000 yen shown in the record with branch number 1 for customer number 100001 was repaid (repayment classification: normal repayment).

[0055] 10 shows that a loan of 30 million yen was made to a customer with customer number 100002 in the current month of September 2023, and that the loan is currently in progress (payment classification: transaction in progress). When this new loan is made, the data generation unit 21 generates end-of-month account loan data, as shown in FIG. 11, with September 2023, the year and month the loan was made, as the target year and month, and inputs the customer number of 100002 of the customer who made the loan, the branch number of 0, and the loan date of September 1, 2023, and stores this in the end-of-month account loan data storage unit 17.

[0056] (Preparation of insurance premium payment statement) Next, the control unit 3 creates insurance premium payment statement data to be submitted to the insurance company. In this case, the person in charge specifies the creation of an insurance premium payment statement via the input device 6. When this specification operation is performed, the display control unit 25 displays an insurance premium payment statement creation screen (not shown) via the output device 7. The person in charge enters the current month, "September 2023," as the target year and month on this insurance premium payment statement creation screen.

[0057] When the target year and month are input, the control unit 3 calculates the insurance amount by calculating "loan balance as of the end of the month x guarantee rate in the group life insurance rider master" if the type classification in the group life insurance rider master table 12 is 1: main contract, 2: optional rider. Also, if the type classification in the group life insurance rider master table 12 is 3: benefit rider, the control unit 3 sets the "benefit in the group life insurance rider master" as the insurance amount.

[0058] The control unit 3 also obtains the loan balance for each reason for change as follows: That is, the control unit 3 obtains "previous month" from the end-of-month account transaction data storage unit 16 shown in Fig. 10 using the balance at the end of the previous month as a reference, and obtains "joined this month" from the end-of-month account transaction data storage unit 16 using the balance at the end of the current month as a reference. The control unit 3 also obtains "paid off / withdrawn" from the end-of-month account transaction data storage unit 16 shown in Fig. 10 using the balance at the end of the previous month as of the withdrawal date as a reference, and calculates "current month" by obtaining the balance at the end of the current month stored in the end-of-month account transaction data storage unit 16.

[0059] The conditions for acquiring the reason for the transfer are as follows: In other words, in the case of "previous month," the control unit 3 acquires the end-of-month account transaction data of the receivables whose repayment classification shown in Figure 10 is "100: in transaction" as of the end of the month prior to the target month. In addition, in the case of "joining in the current month," the control unit 3 acquires the end-of-month account loan data of the receivables whose year and month of the loan date = the target month.

[0060] In addition, in the case of "full repayment / withdrawal", the control unit 3 obtains the end-of-month account transaction data of the claim for which the month and year of the full repayment bad debt date in the end-of-month account transaction data = the target month, or the month and year of expiry of the group life insurance special clause data = the target month.In addition, in the case of "current month", the control unit 3 obtains the end-of-month account transaction data of the claim for which the full repayment classification is "100: in transaction" as of the end of the target month.

[0061] In addition, the "number of people" is the numerical value (number of people) obtained by aggregating the account transaction data at the end of the month for the receivables that meet the acquisition conditions for the reason for transfer by customer number.

[0062] Based on the end-of-month account transaction data thus obtained, the control unit 3 creates an insurance premium payment statement including the number of customers, the insurance amount, and the current month's insurance premium for each special contract category and each reason for change, and transmits and submits it to the insurance company's terminal device 51 via the network 50.

[0063] Specifically, when creating the insurance premium payment statement data for the current month for the special clause category "1," the loan balance detection unit 22 references the group life insurance special clause data storage unit 14 shown in Figure 9 and detects the customer number and branch number of the customer whose status code for the special clause category "1" is "0: Valid." In this example, the customer number "100001" and branch number "0" are detected.

[0064] Furthermore, based on the detected customer number of "100001" and branch number of "0", the loan balance detection unit 22 references the end-of-month account transaction data shown in Figure 10 and detects the loan balance of the end-of-month account transaction data corresponding to the target year and month (= current month) of "September 2023" specified by the person in charge, the customer number of "100001", and the branch number of "0" for which the repayment classification is "100: Acquiring". In this example, the loan balance is "10 million yen".

[0065] Next, the acquisition unit 23 refers to the group life insurance rider master table 12 shown in Figure 3 based on the group life insurance plan category of "3" and the rider category of "1" to acquire the guarantee rate and insurance rate set for the primary insurance of the group life insurance plan category of "3" and the rider category of "1." In this example, the guarantee rate of "10%" and the insurance rate of "1000%" are acquired from the group life insurance rider master table 12.

[0066] Next, the calculation unit 24 calculates the insurance amount of "1 million yen" by multiplying the loan balance of "10 million yen" obtained from the end-of-month account transaction data storage unit 16 by the guarantee rate of "10%" obtained from the group life insurance rider master table 12. Based on this calculation result, the insurance premium payment statement data generation unit 28 generates insurance premium payment statement data in which the insurance amount of "1 million yen" is entered as the insurance amount for the primary contract insurance with the rider category of "1" and the change reason being "for the current month," as shown in Figure 12.

[0067] The calculation unit 24 also calculates the current month's insurance premium of "1,000 yen" by multiplying the insurance amount of "1 million yen" calculated in this way by the guarantee rate of "0.1%" obtained from the group life insurance rider master table 12. Based on this calculation result, the insurance premium payment statement data generation unit 28 generates insurance premium payment statement data (details) in which the current month's insurance premium of "1,000 yen" is entered as the insurance premium for the "current month" for the primary contract insurance of rider category "1", as shown in Fig. 13.

[0068] In addition, as shown in Figures 12 and 13, the insurance premium payment statement data generation unit 28 generates insurance premium payment statement data including insurance amounts corresponding to other reasons for changes such as "previous month," "joining this month," and "paid off / withdrawal," in addition to the insurance premium payment statement data and insurance premium payment statement data (details) corresponding to the reasons for changes for "current month" generated in this manner.

[0069] The insurance premium payment statement data and insurance premium payment statement data (details) generated in this manner are stored in the insurance premium payment statement data storage unit 18. The output control unit 29 reads out the insurance premium payment statement data and insurance premium payment statement data (details) shown in Figures 12 and 13 from the insurance premium payment statement data storage unit 18, for example, at a timing designated by the person in charge, and transmits them to the insurance company's terminal device 51 via the communication interface unit 4 and network 50. As a result, an insurance premium payment statement is submitted to the insurance company, including not only the premium for the current month, but also premiums for other reasons such as "previous month," "joined this month," and "paid in full / withdrawn."

[0070] (Effects of the embodiment) As is clear from the above explanation, the business support device 1 of the embodiment can calculate the insurance amount and create insurance premium payment statement data almost automatically based on the state of the claim and the status of the special contract. This reduces the time required to create insurance premium payment statement data to be submitted to the insurance company and also reduces the workload of the person in charge.

[0071] [Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This invention can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of goals "8" and "9" of the SDGs.

[0072] Furthermore, this invention can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs goals 12, 13, and 15.

[0073] Furthermore, the present invention can contribute to strengthening control and governance, thereby contributing to the achievement of Goal 16 of the SDGs.

[0074] [Other embodiments] The present invention can be implemented in various different forms other than the above-described embodiments within the scope of the technical concept described in the claims.

[0075] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically may be performed manually, or all or part of the processes described as being performed manually may be performed automatically using a known method or the like.

[0076] Furthermore, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in the specification or drawings may be changed as desired unless otherwise specified.

[0077] Furthermore, the components of the business support device 1 shown in the figure are conceptual functional components and do not necessarily have to have the physical configuration shown in the figure. For example, all or any part of the processing functions of the business support device 1, particularly the processing functions performed by the control unit 3, may be realized by a program interpreted and executed by the control unit 3 (CPU: Central Processing Unit), or may be realized by hardware using wired logic.

[0078] The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in the embodiments, and is mechanically read by the business support device 1 as needed. That is, a computer program is recorded in the storage unit 2, such as a ROM or HDD, for working with an OS (Operating System) to give instructions to a control unit 3 (CPU) and perform various processes. The computer program is loaded into RAM, expanded, and executed by the control unit 3 as appropriate.

[0079] In addition, the business support program of this business support device 1 may be stored in another server device connected to the business support device 1 via any network, and all or part of it may be downloaded and executed as needed.

[0080] Furthermore, the business support program for executing the processes described in the embodiments may be stored in a non-transitory computer-readable recording medium, or may be configured as a program product.

[0081] Here, the "recording medium" can be any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical Disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0082] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code.

[0083] It should be noted that a "program" is not necessarily limited to a single structure, but includes a structure that is distributed as multiple modules or libraries, and a structure that achieves its function by working together with other programs, such as an OS.

[0084] Furthermore, the specific configuration for reading the recording medium in the task support device 1 of the embodiment, the reading procedure, and the installation procedure after reading can be any known configuration or procedure.

[0085] The memory unit 2 is a storage means such as a memory device such as RAM or ROM, a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various programs, tables, databases, web page files, etc. used for various processes or providing websites.

[0086] The business support device 1 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as an information processing device connected to any peripheral device. The information processing device may be implemented with software (including programs or data) that realizes the processes described in the embodiments.

[0087] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the drawings, and all or part of them can be functionally or physically distributed or integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be selectively implemented by combining them in any way. [Industrial Applicability]

[0088] The present invention is suitable for application to the creation of insurance premium payment statement data in companies and the like that handle financial products with group life insurance. [Explanation of symbols]

[0089] 1 Business support equipment 2 Storage section 3. Control Unit 4. Communication interface section 5 Input / output interface section 6 Input Devices 7 Output Devices 11 Group life insurance plan master table 12 Group life insurance special contract master table 13. Application account data storage unit 14 Group life insurance special contract data storage unit 15 Group life insurance result data storage unit 16 End of month account transaction data storage unit 17 End of month account loan data storage section 18 Insurance premium payment statement data storage unit 19 Maximum data number storage section 21 Data Generation Unit 22 Loan balance detection unit 23 Acquisition Department 24 Calculation section 25 Display control unit 26 Special Agreement Data Generation Department 27 Group Insurance Result Data Generation Unit 28 Insurance premium payment statement data generation unit 29 Output control section 50 Network 51 Insurance company terminal equipment

Claims

1. A business support device that supports the creation of insurance premium payment statement data that must be submitted by a loan company to an insurance company when a customer who has received a loan from the loan company has difficulty repaying the loan and the customer subscribes to a group credit life insurance in which an insurance company makes repayments to the loan company on behalf of the customer, a special contract data generation unit that generates special contract data for each customer based on the linked file provided by the insurance company, the special contract data including a status code indicating whether the main contract insurance and one or more special contract insurance included in the insurance plan subscribed to by the customer receiving the loan are valid or invalid, and a special contract classification that is a unique identification number assigned to each of the main contract insurance and the special contract insurance; a loan balance detection unit that refers to a first storage unit that stores at least the current month's loan balance for each of the customers and a repayment classification indicating whether the loan amount has been repaid in full or is in the process of being repaid in full, and detects the current month's loan balance for customers whose status code of the primary insurance or the special insurance is valid; an acquisition unit that refers to a second storage unit in which a guarantee rate, an insurance rate, and a benefit amount are stored for each of the special contract categories of the main contract insurance and the special contract insurance included in each of the insurance plans, and acquires the guarantee rate and the insurance rate for each of the special contract categories to which the customer, whose loan balance has been detected, has subscribed; a calculation unit that calculates the insurance amount for the current month for each special provision category by multiplying the loan balance for the current month detected from the first storage unit by the guarantee rate for each special provision category detected from the second storage unit, and calculates the insurance premium for the current month for each special provision category by multiplying the calculated insurance amount for each special provision category by the insurance rate detected from the second storage unit; a data generating unit that generates insurance premium payment statement data including the calculated insurance amount for the current month for each special contract category and the insurance premium for the current month for each special contract category; an output control unit that outputs the generated insurance premium payment statement data to an external device; A business support device comprising:

2. The insurance company further includes a group life insurance result data generation unit that generates group life insurance result data including a status code indicating whether the primary insurance contract and the rider insurance of each rider category are valid or expired, and a payment amount, based on the linked file provided by the insurance company; The special contract data generation unit inputs a valid or invalid status code for each special contract category of the special contract data based on the valid or invalid status code of each special contract category of the generated group life insurance result data, and when inputting the invalid status code, adds the year and month when the linked file was acquired as the expiration year and month; 2. The business support device according to claim 1, wherein:

3. the group life insurance result data generation unit, when referring to the linked file last time, stores in a storage unit the largest data number among a series of data numbers included in the linked file last time, and when referring to the linked file for the current month, references data with data numbers subsequent to the largest data number stored in the storage unit; 3. The business support device according to claim 2, wherein:

4. The second storage unit stores the guarantee rate and the insurance rate together with the benefit amount for the corresponding special contract category, the data generation unit generates the insurance premium payment statement data including, as the insurance amount, the benefit amount for the corresponding special contract category detected from the second storage unit; 4. The business support device according to claim 3, wherein:

5. the data generation unit generates insurance premium payment statement data including the calculated insurance amount for the current month for each special contract category and the insurance premium for the current month for each special contract category, as well as the insurance amount for the previous month for each special contract category, the insurance amount for the current month for the group credit life insurance subscription for the current month for each special contract category, and the insurance amount for the full repayment and withdrawal for the group credit life insurance subscription, 5. The business support device according to claim 4, wherein:

6. A business support method for supporting the creation of insurance premium payment statement data that must be submitted by a loan company to an insurance company when a customer who has received a loan from the loan company has difficulty repaying the loan by enrolling in a group credit life insurance policy in which an insurance company makes repayments to the loan company on behalf of the customer, a special contract data generation step in which the special contract data generation unit generates special contract data for each customer based on the linked file provided by the insurance company, the special contract data including a status code indicating whether the main contract insurance and one or more special contract insurance included in the insurance plan contracted by the customer receiving the loan are valid or invalid, and a special contract classification which is a unique identification number assigned to each of the main contract insurance and the special contract insurance; a loan balance detection step in which a loan balance detection unit refers to a first storage unit that stores at least the loan balance for the current month for each of the customers and a repayment classification indicating whether the loan amount has been repaid in full or is in the process of being repaid in full, and detects the loan balance for the current month for customers for whom the status code of the primary insurance or the special insurance is valid; an acquisition step in which an acquisition unit refers to a second storage unit in which a guarantee rate, an insurance rate, and a benefit amount are stored for each of the special contract categories of the main contract insurance and the special contract insurance included in each of the insurance plans, and acquires the guarantee rate and the insurance rate for each of the special contract categories to which the customer, whose loan balance has been detected, has subscribed; a calculation step in which a calculation unit calculates the insurance amount for the current month for each special provision category by multiplying the loan balance for the current month detected from the first storage unit by the guarantee rate for each special provision category detected from the second storage unit, and calculates the insurance premium for the current month for each special provision category by multiplying the calculated insurance amount for each special provision category by the insurance rate detected from the second storage unit; a data generation step in which a data generation unit generates insurance premium payment statement data including the calculated insurance amount for the current month for each special contract category and the insurance premium for the current month for each special contract category; an output control step in which an output control unit outputs the generated insurance premium payment statement data to an external device; A business support method comprising:

7. A business support program executed on a computer of a business support device that supports the creation of insurance premium payment statement data that must be submitted by a loan company to an insurance company when a customer who has received a loan from the loan company has difficulty repaying the loan by enrolling in a group credit life insurance policy in which an insurance company makes repayments to the loan company on behalf of the customer, The computer a special contract data generation unit that generates special contract data for each customer based on the linked file provided by the insurance company, the special contract data including a status code indicating whether the main contract insurance and one or more special contract insurance included in the insurance plan subscribed to by the customer receiving the loan are valid or invalid, and a special contract classification that is a unique identification number assigned to each of the main contract insurance and the special contract insurance; a loan balance detection unit that refers to a first storage unit that stores at least the current month's loan balance for each of the customers and a repayment classification indicating whether the loan amount has been repaid in full or is in the process of being repaid in full, and detects the current month's loan balance for customers whose status code of the primary insurance or the special insurance is valid; an acquisition unit that refers to a second storage unit in which a guarantee rate, an insurance rate, and a benefit amount are stored for each of the special contract categories of the main contract insurance and the special contract insurance included in each of the insurance plans, and acquires the guarantee rate and the insurance rate for each of the special contract categories to which the customer, whose loan balance has been detected, has subscribed; a calculation unit that calculates the insurance amount for the current month for each special provision category by multiplying the loan balance for the current month detected from the first storage unit by the guarantee rate for each special provision category detected from the second storage unit, and calculates the insurance premium for the current month for each special provision category by multiplying the calculated insurance amount for each special provision category by the insurance rate detected from the second storage unit; a data generating unit that generates insurance premium payment statement data including the calculated insurance amount for the current month for each special contract category and the insurance premium for the current month for each special contract category; Functioning as an output control unit that outputs the generated insurance premium payment statement data to an external device; A business support program that features:

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