Server, insurance application support system, insurance application support method, and program

Abstract

To enable on-line insurance application even when a user signs on paper for application for insurance.SOLUTION: A server 10 generates a customer-side notice main screen including an imaging start button, and displays the screen so as to accept an operation of a customer-side terminal 22 (S120). The customer-side terminal 22 receives a pressing operation of the imaging start button (S122). The server 10 acquires a signature image indicating a signature part put by a customer, generates a customer-side notice completion screen including the signature image and a notice completion button, and displays the screen so as to accept an operation of the customer-side terminal 22 (S134).SELECTED DRAWING: Figure 12

Description

[Technical field]

[0001] The present invention relates to a server, an insurance application support system, an insurance application support method, and a program, and more particularly to a server, an insurance application support system, an insurance application support method, and a program for supporting an application for insurance. [Background technology]

[0002] Conventionally, a system has been known in which the entire process from interview to application can be completed over an online conference system (Non-Patent Document 1). In this system, an insurance agent explains confirmation items and important points such as application details and notices through the online conference system. In addition, the customer signs from a PC or smartphone. [Prior art documents] [Non-patent literature]

[0003] [Non-Patent Document 1] Prudential Life Insurance Company, Ltd., News Release, "Introduction of remote system for application procedures," July 1, 2020, Internet<URL:https: / / www.prudential.co.jp / news / pdf / 600 / 20200701.pdf> Summary of the Invention [Problem to be solved by the invention]

[0004] In the past, signatures were made using an electronic pen on a dedicated signature system on the insurance agent's terminal. This ensured that the accuracy of handwriting, such as "stops," "strokes," and "character thickness," was the same as that of a handwritten signature on paper. In online procedures, it is difficult to make a signature of the same level on the customer's terminal. In addition, a handwritten signature is obtained for identity verification in various procedures after the insurance application is completed, and a comparison is made with the signature obtained at the time of application, so the quality level of this signature comparison must be guaranteed. In this way, it is preferable to sign on paper as in the past.

[0005] The present invention aims to provide a server, an insurance application support system, an insurance application support method, and a program that enable online insurance application even if the signature for the insurance application is made on paper. [Means for solving the problem]

[0006] In order to achieve the above object, a server according to a first aspect of the present invention is a server in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, all connected via a network, which generates an insurance agent side notification main screen for displaying a notification screen regarding the insurance application, causes the insurance agent side terminal to display the insurance agent side notification main screen in a manner that does not accept operations from the insurance agent side terminal, and generates a customer side notification main screen which displays the notification screen and includes a photography start button for instructing the customer to start photographing the signature portion, and causes the customer side terminal to display a previous image of the signature portion. The main screen for customer-side notification is displayed so as to be able to accept operations from the customer-side terminal, and when the customer-side terminal accepts the operation of pressing the start shooting button, a signature image representing the signature portion by the customer is obtained, an insurance representative notification completion screen including the signature image is generated, and the insurance representative terminal is caused to display the insurance representative notification completion screen in a manner that does not allow operations from the insurance representative terminal, and a customer-side notification completion screen including the signature image and a notification completion button that indicates completion of the notification is generated, and the customer-side notification completion screen is displayed on the customer-side terminal in a manner that allows operations from the customer terminal to be accepted.

[0007] In this way, when the customer terminal accepts the pressing of the shooting start button, a signature image representing the signature portion by the customer is acquired, a customer notification completion screen including the signature image and a notification completion button for instructing completion of notification is generated, and the customer terminal displays the customer notification completion screen so as to be able to accept operations on the customer terminal side. This makes it possible to make a notification related to an insurance application online even if the signature for the notification related to the insurance application is made on paper.

[0008] The server according to the second invention is the server according to the first invention, wherein the signature image is an image of the signature portion cut out from a photograph of the portion of the paper on which the customer has signed, and the signature image is displayed in the signature display area of ​​the customer-side notification completion screen.

[0009] The server according to the third invention is the server according to the first or second invention, wherein the customer terminal has a camera, and after the customer signs while the camera of the customer terminal is taking a picture, the server accepts the operation of pressing the shooting start button by the customer who has signed.

[0010] A server according to a fourth aspect of the present invention is a server in an insurance application support system including a customer terminal, a server, and an insurance representative terminal, all connected via a network, the server generates an insurance representative main screen which is a main screen for displaying an explanation screen regarding the application for insurance and which includes a photo-taking request button for requesting an image of a signature portion by a customer, causes the insurance representative terminal to display the insurance representative main screen in a manner capable of accepting operations from the insurance representative terminal side, generates a customer main screen for displaying the explanation screen, causes the customer terminal to display the customer main screen in a manner not capable of accepting operations from the customer terminal side, and upon accepting a pressing operation of the photo-taking request button in the insurance representative terminal, acquires a signature image representing the signature portion by the customer, generates an insurance representative application completion screen including the signature image, and causes the insurance representative terminal to display the insurance representative main screen in a manner not capable of accepting operations from the customer terminal side. application A completion screen is displayed in a manner that does not allow any operations from the insurance officer's terminal to be accepted, and a customer-side application completion screen is generated that includes the signature image and an application completion button that instructs the completion of the application, and the customer-side application completion screen is displayed on the customer-side terminal in a manner that allows operations from the customer-side terminal to be accepted.

[0011] In this way, when the insurance agent terminal accepts the pressing of the photograph request button, it acquires a signature image representing the signature portion by the customer, generates a customer-side application completion screen including the signature image and an application completion button for instructing completion of the application, and causes the customer-side terminal to display the customer-side application completion screen so as to be able to accept operations on the customer-side terminal side. This makes it possible to apply for insurance online even if the signature for the insurance application is made on paper.

[0012] The server according to the fifth aspect of the present invention is the server according to the fourth aspect of the present invention, wherein the signature image is an image of the signature portion cut out from a photograph of the portion of the document on which the customer has signed, and the signature image is displayed in the signature display area of ​​the application completion screen on the insurance agent's side.

[0013] An insurance application support system according to a sixth aspect of the present invention is an insurance application support system including a customer terminal, a server, and an insurance agent terminal, all connected via a network, wherein the server generates an insurance agent side notification main screen for displaying a notification screen relating to the application for insurance, causes the insurance agent side terminal to display the insurance agent side notification main screen in a manner such that operations from the insurance agent side terminal side cannot be accepted, and generates a customer side notification main screen which displays the notification screen and includes a photography start button for instructing the start of photography of the customer's signature, and causes the customer side terminal to display the customer side notification main screen. the server displays an in-screen display capable of accepting operations from the customer terminal, the customer terminal accepts the operation of pressing the start shooting button, the server acquires a signature image representing the portion of the signature by the customer, the server generates an insurance agent notification completion screen including the signature image, displays the insurance agent notification completion screen on the insurance agent terminal in a manner that does not allow operations from the insurance agent terminal, and generates a customer notification completion screen including the signature image and a notification completion button that instructs completion of the notification, and displays the customer notification completion screen on the customer terminal in a manner that allows operations from the customer terminal to be accepted.

[0014] An insurance application support system according to a seventh aspect of the present invention is an insurance application support system including a customer terminal, a server, and an insurance representative terminal, all connected via a network, wherein the server generates an insurance representative main screen which is a main screen for displaying an explanation screen regarding the application for insurance and which includes a photo shooting request button for requesting a photo shooting of the customer's signature, causes the insurance representative terminal to display the insurance representative main screen in a manner capable of accepting operations from the insurance representative terminal side, and generates a customer main screen for displaying the explanation screen, causes the customer terminal to display the customer main screen in a manner not capable of accepting operations from the customer terminal side, the insurance representative terminal accepts a pressing operation of the photo shooting request button, the server obtains a signature image representing the portion of the signature by the customer, the server generates an insurance representative application completion screen including the signature image, and causes the insurance representative terminal to display the insurance representative main screen in a manner not capable of accepting operations from the customer terminal side, application A completion screen is displayed in a manner that does not allow any operations from the insurance officer's terminal to be accepted, and a customer-side application completion screen is generated that includes the signature image and an application completion button that instructs the completion of the application, and the customer-side application completion screen is displayed on the customer-side terminal in a manner that allows operations from the customer-side terminal to be accepted.

[0015] An insurance application support method according to an eighth aspect of the present invention is an insurance application support method in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, all connected via a network, in which the server generates an insurance agent side notification main screen for displaying a notification screen related to the application of insurance, causes the insurance agent side terminal to display the insurance agent side notification main screen in a manner that does not accept operations from the insurance agent side terminal, and generates a customer side notification main screen which is a main screen for displaying the notification screen and includes a photography start button for instructing the start of photography of the customer's signature, and causes the customer side terminal to display the customer side notification main screen in a manner that does not accept operations from the insurance agent side terminal. a main screen for notification to the insurance agent side displayed in a manner capable of accepting operations from the customer terminal side, the customer terminal accepts the operation of pressing the start shooting button, the server acquires a signature image representing the portion of the signature by the customer, the server generates an insurance agent side notification completion screen including the signature image, displays the insurance agent side notification completion screen on the insurance agent side terminal in a manner not allowing operations from the insurance agent side terminal to be accepted, and generates a customer side notification completion screen including the signature image and a notification completion button indicating completion of notification, and displays the customer side notification completion screen on the customer terminal in a manner allowing operations from the customer side terminal to be accepted.

[0016] A ninth aspect of the present invention is an insurance application support method in an insurance application support system including a customer terminal, a server, and an insurance representative terminal, all connected via a network, wherein the server generates an insurance representative main screen which displays an explanation screen regarding the application for insurance and which includes a photo shoot request button for requesting a photo shoot of a signature portion by a customer, causes the insurance representative terminal to display the insurance representative main screen in a manner capable of accepting operations from the insurance representative terminal side, generates a customer main screen which displays the explanation screen, causes the customer terminal to display the customer main screen in a manner not capable of accepting operations from the customer terminal side, the insurance representative terminal accepts a press operation of the photo shoot request button, the server obtains a signature image representing the signature portion by the customer, the server generates an insurance representative application completion screen which includes the signature image, and causes the insurance representative terminal to display the insurance representative main screen in a manner not capable of accepting operations from the customer terminal side, applicationA completion screen is displayed in a manner that does not allow any operations from the insurance officer's terminal to be accepted, and a customer-side application completion screen is generated that includes the signature image and an application completion button that instructs the completion of the application, and the customer-side application completion screen is displayed on the customer-side terminal in a manner that allows operations from the customer-side terminal to be accepted.

[0017] A program according to a tenth aspect of the present invention generates an insurance agent side notification main screen on a server in an insurance application support system including a customer side terminal, a server, and an insurance agent side terminal, all connected via a network, for displaying a notification screen related to an insurance application, causes the insurance agent side terminal to display the insurance agent side notification main screen in a manner that does not accept operations from the insurance agent side terminal, and generates a customer side notification main screen, which is a main screen for displaying the notification screen and includes a photography start button for instructing the start of photography of a customer's signature portion, and causes the customer side terminal to display the customer side notification main screen. This is a program for displaying the customer terminal in a manner that allows it to accept operations, and when the customer terminal accepts the operation of pressing the start shooting button, acquiring a signature image representing the signature portion by the customer, generating an insurance agent notification completion screen including the signature image, displaying the insurance agent notification completion screen on the insurance agent terminal in a manner that does not allow operations on the insurance agent terminal, generating a customer notification completion screen including the signature image and a notification completion button that indicates completion of the notification, and displaying the customer notification completion screen on the customer terminal in a manner that allows operations on the customer terminal to be accepted.

[0018] A program according to an eleventh aspect of the present invention is a program for generating an insurance agent side main screen on a server in an insurance application support system including a customer side terminal, a server, and an insurance agent side terminal, all connected via a network, the program generating an insurance agent side main screen which displays an explanation screen regarding an insurance application, the insurance agent side main screen including a photo taking request button for requesting a photo of a signature portion by a customer, causing the insurance agent side terminal to display the insurance agent side main screen in a manner capable of accepting operations from the insurance agent side terminal, and generating a customer side main screen which displays the explanation screen, causing the customer side main screen to display the customer side main screen in a manner not capable of accepting operations from the customer side terminal, and upon accepting a pressing operation of the photo taking request button on the insurance agent side terminal, the program obtains a signature image representing the signature portion by the customer, generates an insurance agent side application completion screen including the signature image, and causes the insurance agent side terminal to display the insurance agent side main screen in a manner not capable of accepting operations from the customer side application This is a program for displaying a completion screen in a manner that does not allow any operations to be accepted from the insurance officer's terminal, generating a customer-side application completion screen that includes the signature image and an application completion button that indicates completion of the application, and displaying the customer-side application completion screen on the customer-side terminal in a manner that allows operations from the customer-side terminal to be accepted. Effect of the Invention

[0019] As described above, the server, insurance application support system, insurance application support method, and program of the present invention have the effect of making it possible to apply for insurance online even if the signature at the time of notification of the insurance application or the signature at the time of applying for the insurance application is made on paper. [Brief description of the drawings]

[0020] [Figure 1] 1 is a schematic diagram showing a configuration of an insurance application support system according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a schematic block diagram of an example of a computer that functions as an insurance officer terminal and a customer terminal according to an embodiment of the present invention. [Diagram 3]FIG. 2 is a schematic block diagram of an example of a computer functioning as a server according to an embodiment of the present invention. [Figure 4] FIG. 2 is a block diagram showing a configuration of a server according to an embodiment of the present invention. [Diagram 5] 2 is a sequence diagram showing a process flow of the insurance application support system according to the embodiment of the present invention. FIG. [Figure 6] FIG. 13 is a diagram showing an example of a main screen on an insurance person's side. [Figure 7] FIG. 7 is an enlarged view of the dotted line portion of the main screen on the insurance representative side in FIG. 6. [Figure 8] FIG. 13 is a diagram showing an example of a customer-side main screen when the customer-side terminal is a computer terminal. [Figure 9] FIG. 13 is a diagram showing an example of a customer-side main screen when the customer-side terminal is a mobile terminal. [Figure 10] FIG. 13 is a diagram showing an example of a main screen on an insurance person's side. [Figure 11] FIG. 13 illustrates an example of a pop-up screen. [Figure 12] 4 is a sequence diagram showing a process flow relating to notification of the insurance application support system according to the embodiment of the present invention. FIG. [Figure 13] FIG. 13 is a diagram showing an example of a main screen for customer-side notification. [Figure 14] FIG. 13 is a diagram showing an example of a signed document. [Figure 15] FIG. 13 is a diagram showing an example of a pop-up screen for selecting a shooting method. [Figure 16] FIG. 13 is a diagram showing how a signature portion is trimmed from a captured image. [Figure 17] FIG. 13 is a diagram showing an example of a customer-side notification completion screen. [Figure 18] 11 is a sequence diagram showing a process flow relating to notification in the insurance application support system when the customer terminal is a computer terminal. FIG. [Figure 19] 4 is a sequence diagram showing a process flow relating to application completion in the insurance application support system according to the embodiment of the present invention. FIG. [Figure 20]FIG. 13 is a diagram showing an example of a main screen displayed on the insurance person's side when an explanation is completed; [Figure 21] FIG. 13 is a diagram showing an example of a main screen for signature confirmation on the insurance person's side. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

[0022] As shown in FIG. 1, an insurance application support system 100 according to an embodiment of the present invention includes a server 10, an insurance agent terminal 20 installed at the insurance company, and a customer terminal 22 installed at the customer applying for insurance.

[0023] The server 10, the insurance representative terminal 20, and the customer terminal 22 are connected via a network 26 such as the Internet.

[0024] The insurance officer's terminal 20 and the customer's terminal 22 are composed of mobile terminals, computer terminals, etc. Here, the mobile terminals include smartphone terminals, mobile phones, and PDA (Personal Digital Assistants) terminals. The computer terminals include notebook computer terminals and desktop computer terminals. When the customer's terminal 22 is a computer terminal, it is assumed that the customer has a customer's mobile terminal, which is a mobile terminal.

[0025] FIG. 2 is a block diagram showing the hardware configuration of the insurance officer's terminal 20 and the customer's terminal 22 in this embodiment.

[0026] 2, the insurance officer's terminal 20 and the customer's terminal 22 each have a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a storage 14, an input unit 15, a display unit 16, a communication interface (I / F) 17, and a camera 28. Each component is connected to each other via a bus 19 so as to be able to communicate with each other.

[0027] The CPU 11 is a central processing unit, and executes various programs and controls each part. That is, the CPU 11 reads a program from the ROM 12 or the storage 14, and executes the program using the RAM 13 as a working area. The CPU 11 controls each of the above components and performs various arithmetic processing according to the program stored in the ROM 12 or the storage 14. In this embodiment, the ROM 12 or the storage 14 stores a program for performing various processing.

[0028] The ROM 12 stores various programs and various data. The RAM 13 temporarily stores programs or data as a working area. The storage 14 is configured with an HDD (Hard Disk Drive) or an SSD (Solid State Drive) and stores various programs including an operating system and various data.

[0029] The input unit 15 includes a pointing device such as a mouse, and a keyboard, and is used to perform various input operations.

[0030] The display unit 16 is, for example, a liquid crystal display, and displays various information. The display unit 16 may function as the input unit 15 by adopting a touch panel system.

[0031] The communication interface 17 is an interface for communicating with other devices, and uses standards such as Ethernet (registered trademark), FDDI, and Wi-Fi (registered trademark).

[0032] The camera 28 of the insurance representative terminal 20 outputs an image of the insurance representative, and the camera 28 of the customer terminal 22 outputs an image of the customer.

[0033] 3 is a block diagram showing the hardware configuration of the server 10 of this embodiment. Note that the same hardware components as those of the insurance officer's terminal 20 and the customer's terminal 22 are denoted by the same reference numerals and will be described below.

[0034] 3, the server 10 includes a CPU 11, a ROM 12, a RAM 13, a storage 14, an input unit 15, a display unit 16, and a communication interface (I / F) 17. Each component is connected to each other via a bus 19 so as to be able to communicate with each other.

[0035] Next, a description will be given of the functional configuration of the server 10. Fig. 4 is a block diagram showing an example of the functional configuration of the server 10.

[0036] Functionally, the server 10 includes a video acquisition unit 30, a screen generation unit 32, an operation reception unit 34, a button control unit 36, a signature image acquisition unit 37, and a communication unit 38, as shown in FIG.

[0037] The video acquisition unit 30 acquires video of the insurance representative captured by the camera 28 from the insurance representative terminal 20 via the communication unit 38. The video acquisition unit 30 also acquires video of the customer captured by the camera 28 from the customer terminal 22 via the communication unit 38.

[0038] The screen generation unit 32 generates an insurance agent side main screen which is a main screen displaying the image captured by the camera 28 of the customer side terminal 22 and an explanatory screen regarding the insurance application, and which includes a confirmation operation request button for requesting a confirmation operation on the customer side terminal 22 side, and transmits data of the insurance agent side main screen to the insurance agent side terminal 20 via the communication unit 38, and displays the insurance agent side main screen so that operations on the insurance agent side terminal 20 side can be accepted.

[0039] In addition, the screen generation unit 32 generates a customer-side main screen that displays the image captured by the camera 28 of the insurance agent's terminal 20 and an explanatory screen similar to the insurance agent's main screen, and transmits the data of the customer-side main screen to the customer-side terminal 22 via the communication unit 38, causing the customer-side main screen to be displayed without accepting any operations from the customer-side terminal 22.

[0040] In addition, the screen generation unit 32 generates a main screen for notification on the insurance agent side that displays the image captured by the camera 28 of the customer terminal 22 and a notification screen regarding the insurance application, transmits data of the main screen for notification on the insurance agent side to the insurance agent side terminal 20 via the communication unit 38, and causes the insurance agent side terminal 20 to display the main screen for notification on the insurance agent side in a manner that does not accept any operations from the insurance agent side terminal 20.

[0041] When the operation receiving unit 34 receives a press of the confirmation operation request button on the insurance officer's terminal 20, it generates a pop-up screen including a confirmation button, transmits the data of the pop-up screen to the customer's terminal 22 via the communication unit 38, and displays the pop-up screen so that operations on the customer's terminal 22 can be accepted.

[0042] The button control unit 36 ​​disables the transition button for transitioning to the next explanation screen on the insurance representative main screen until it receives a pressing operation of the confirmation button on the pop-up screen on the customer terminal 22. When it receives a pressing operation of the confirmation button on the pop-up screen on the customer terminal 22, the button control unit 36 ​​enables the transition button for transitioning to the next explanation screen on the insurance representative main screen.

[0043] In addition, the screen generation unit 32 generates a main screen for customer notification that displays the image captured by the camera 22 of the insurance officer terminal 20 and a notification screen similar to the main screen for insurance officer notification, and includes a start shooting button that commands the customer to start shooting the signature portion.The screen generation unit 32 transmits data of the main screen for customer notification to the customer terminal 22 via the communication unit 38, and causes the customer terminal 22 to display the main screen for customer notification in a manner that allows it to accept operations from the customer terminal 22.

[0044] When the operation reception unit 34 receives an operation of pressing the signature capture start button on the customer terminal 22, it generates a capture method selection pop-up screen for selecting a method for capturing the signature image, and transmits data of the capture method selection pop-up screen to the customer terminal 22 via the communication unit 38, causing the capture method selection pop-up screen to be displayed so as to be able to accept operations on the customer terminal 22 side.

[0045] When the operation reception unit 34 receives a press operation of the local terminal photography selection button at the customer terminal 22 to select photography at the local terminal, the operation reception unit 34 transmits an instruction to start photography processing at the customer terminal 22 via the communication unit 38.

[0046] When the customer terminal 22 is a mobile terminal, the signature image acquisition unit 37 acquires a signature image representing the portion of the customer's signature photographed by the customer terminal 22. At this time, it is preferable that the customer terminal 22 is allowed to transmit only images photographed on the spot, and is not allowed to transmit images photographed in advance.

[0047] When the customer terminal 22 is a computer terminal, the signature image acquisition unit 37 acquires a signature image representing the customer's signature portion, which is photographed by the customer's mobile terminal 222, which is a mobile terminal held by the customer. At this time, it is preferable that the customer's mobile terminal 222 can transmit only images photographed on the spot, and cannot transmit images photographed in advance.

[0048] The signature image acquired here is an image of the signature portion cut out from a photographed image of the portion of a blank document prepared by the customer that the customer will sign.

[0049] When the signature image acquisition unit 37 acquires the signature image, it generates a customer-side notification completion screen including the signature image and a notification completion button that instructs the completion of the notification, and transmits data of the customer-side notification completion screen to the customer-side terminal 22 via the communication unit 38, causing the customer-side notification completion screen to be displayed so as to be able to accept operations on the customer-side terminal 22 side.

[0050] When the signature image acquisition unit 37 acquires the signature image, it generates a customer-side notification completion screen including the signature image, transmits data of the customer-side notification completion screen to the customer-side terminal 22 via the communication unit 38, and displays the customer-side notification completion screen so as to be able to accept operations on the customer-side terminal 22 side.

[0051] When the operation reception unit 34 receives the operation of pressing the notification completion button on the customer terminal 22, it generates an insurance agent's main screen and transmits data of the insurance agent's main screen to the insurance agent's terminal 20 via the communication unit 38, displaying the insurance agent's main screen so that operations on the insurance agent's terminal 20 can be accepted.

[0052] In addition, when the operation receiving unit 34 receives the operation of pressing the notification completion button on the customer terminal 22, it generates a customer main screen and transmits the data of the customer main screen to the customer terminal 22 via the communication unit 38, causing the customer main screen to be displayed without accepting operations from the customer terminal 22.

[0053] The screen generation unit 32 also generates a main screen for displaying the image captured by the camera 28 of the customer terminal 22 and the screen at the end of the explanation regarding the insurance application, which includes a signature capture request button for requesting a photo of the customer's signature, and transmits data of the main screen for displaying the main screen at the end of the explanation on the insurance agent's side to the insurance agent's terminal 20 via the communication unit 38, causing the main screen at the end of the explanation on the insurance agent's side to be displayed so that operations on the insurance agent's terminal 20 side can be accepted.

[0054] When the operation reception unit 34 receives a press of the signature capture request button on the insurance officer's terminal 20, it generates a capture method selection pop-up screen for selecting a method for capturing the signature image, and transmits data of the capture method selection pop-up screen to the customer's terminal 22 via the communication unit 38, causing the capture method selection pop-up screen to be displayed so as to be able to accept operations on the customer's terminal 22 side.

[0055] When the operation reception unit 34 receives a press operation of the local terminal photography selection button at the customer terminal 22 to select photography at the local terminal, the operation reception unit 34 transmits an instruction to start photography processing at the customer terminal 22 via the communication unit 38.

[0056] When the customer terminal 22 is a mobile terminal, the signature image acquisition unit 37 acquires a signature image photographed by the customer terminal 22, the signature image representing the portion of the signature by the customer.

[0057] When the customer terminal 22 is a computer terminal, the signature image acquisition unit 37 acquires a signature image representing the portion of the customer's signature that is photographed by the customer's mobile terminal 222, which is a mobile terminal held by the customer.

[0058] The signature image acquired here is an image of the signature portion cut out from a photographed image of the portion of a blank document prepared by the customer that the customer will sign.

[0059] Furthermore, when the signature image is acquired, the signature image acquisition unit 37 generates a main screen for signature confirmation on the insurance officer side including the signature image and an application confirmation request button for requesting application confirmation, and transmits data of the main screen for signature confirmation on the insurance officer side to the insurance officer side terminal 20 via the communication unit 38, causing the main screen for signature confirmation on the insurance officer side to be displayed so as to be able to accept operations on the insurance officer side terminal 20 side.

[0060] When the signature image is acquired, the signature image acquisition unit 37 generates a customer-side main screen for signature confirmation including the signature image, transmits data of the customer-side main screen for signature confirmation to the customer-side terminal 22 via the communication unit 38, and displays the customer-side main screen for signature confirmation without accepting any operations from the customer-side terminal 22.

[0061] When the operation reception unit 34 receives the operation of pressing the application confirmation request button on the insurance officer's terminal 20, it generates an application completion screen on the insurance officer's side, transmits data of the application completion screen on the insurance officer's side to the insurance officer's terminal 20 via the communication unit 38, and displays the application completion screen on the insurance officer's side without accepting any operations on the insurance officer's side terminal 20.

[0062] In addition, when the operation reception unit 34 receives the operation of pressing the application confirmation request button on the insurance officer's terminal 20, it generates a customer-side application completion screen including an application button indicating that the application has been confirmed, and transmits data of the customer-side application completion screen to the customer-side terminal 22 via the communication unit 38, causing the customer-side application completion screen to be displayed so that operations on the customer-side terminal 22 can be accepted.

[0063] When the operation reception unit 34 receives the operation of pressing the application button on the customer terminal 22, it generates an insurance agent's main screen and transmits data of the insurance agent's main screen to the insurance agent's terminal 20 via the communication unit 38, displaying the insurance agent's main screen so that operations on the insurance agent's terminal 20 can be accepted.

[0064] In addition, when the operation reception unit 34 receives the operation of pressing the application button on the customer terminal 22, it generates a customer main screen and transmits data of the customer main screen to the customer terminal 22 via the communication unit 38, causing the customer main screen to be displayed without being able to accept operations from the customer terminal 22.

[0065] The communication unit 38 transmits and receives data to and from the insurance representative terminal 20 and the customer terminal 22 via the network 26 .

[0066] Next, the operation of the insurance application support system 100 according to the embodiment of the present invention will be described.

[0067] FIG. 5 is a sequence diagram showing the flow of processing of the insurance application support system 100. Here, the image of the insurance clerk taken by the camera 28 of the insurance clerk terminal 20 is sequentially transmitted to the server 10 via the network 26, and the image of the customer taken by the camera 28 of the customer terminal 22 is sequentially transmitted to the server 10 via the network 26. In addition, the voice of the insurance clerk captured by the microphone of the insurance clerk terminal 20 is sequentially transmitted to the customer terminal 22 via the network 26 and the server 10 and output by the speaker of the customer terminal 22, and the voice of the customer captured by the microphone of the customer terminal 22 is sequentially transmitted to the insurance clerk terminal 20 via the network 26 and the server 10 and output by the speaker of the insurance clerk terminal 20. Then, when the insurance clerk terminal 20 receives an instruction from the insurance clerk to share the explanation screen regarding the insurance application, the processing shown in FIG. 5 is started.

[0068] In step S100, the server 10 starts a process of causing the insurance agent terminal 20 and the customer terminal 22 to share and display an explanation screen relating to the insurance application.

[0069] Specifically, the screen generation unit 32 of the server 10 generates an insurance agent side main screen which is a main screen displaying the image captured by the camera 28 of the customer side terminal 22 and an explanatory screen regarding the insurance application, and which includes a confirmation operation request button for requesting an operation on the customer side terminal 22 side, and transmits data of the insurance agent side main screen to the insurance agent side terminal 20 via the communication unit 38, and displays the insurance agent side main screen so that it can accept operations on the insurance agent side terminal 20 side.

[0070] 6 is displayed on the display unit 16 of the insurance person terminal 20. The insurance person main screen 40 includes an explanation screen 40A, a video display unit 40B, a confirmation operation request button 40C, and a pen function unit 40D.

[0071] The image display unit 40B is a unit that displays the image captured by the camera 28 of the customer terminal 22. The pen function unit 40D is a unit that accepts operations related to the pen function that can be used by the insurance representative. The pen function enables writing on the projection material.

[0072] As shown in FIG. 7, the insurance officer's main screen 40 further includes a resolution change section 40E, a camera screen sharing function section 40F, a screen control function section 40G, and a stopwatch function section 40H.

[0073] The resolution change unit 40E is a unit that accepts operations related to changing the resolution in three stages. For example, it is possible to change from "standard" to either "high resolution" or "low resolution" depending on the Internet line environment of the customer terminal 22. In a high-speed Internet line environment, it changes to "high resolution", and in a low-speed Internet line environment, it changes to "low resolution".

[0074] The camera screen sharing function unit 40F is a part that accepts an operation to select which of the explanation screen 40A and the video display unit 40B is to be the main display on the insurance agent's main screen 40, and an operation to instruct to stop sharing the explanation screen 40A. In order to smoothly carry out face-to-face communication regarding the insurance application, the main display on the insurance agent's main screen 40 is selected to be either the video display unit 40B or the explanation screen 40A according to the content of the explanation.

[0075] The screen control function unit 40G is a part that accepts an operation to select full-screen display of an explanatory screen or video that will be the main display on the customer-side main screen. For example, full-screen display is selected according to the device type of the customer-side terminal 22. If the device type of the customer-side terminal 22 is a mobile terminal, full-screen display is selected, and if the device type of the customer-side terminal 22 is a computer terminal, full-screen display is not selected.

[0076] The stopwatch function section 40H is a section that displays the measured time of the interview regarding the insurance application.

[0077] In addition, the screen generation unit 32 of the server 10 generates a customer-side main screen that displays the image captured by the camera 28 of the insurance agent's terminal 20 and an explanatory screen similar to the insurance agent's main screen, and transmits the data of the customer-side main screen to the customer-side terminal 22 via the communication unit 38, causing the customer-side main screen to be displayed without accepting any operations from the customer-side terminal 22.

[0078] For example, a customer main screen 50 as shown in Fig. 8 is displayed on the display unit 16 of the customer terminal 22. The customer main screen 50 includes an explanation screen 50A and a video display unit 50B. Fig. 8 is an example of the customer main screen 50 when the customer terminal 22 is a computer terminal. Note that when the customer terminal 22 is a mobile terminal, the customer main screen 50 shown in Fig. 9 may be displayed.

[0079] Then, the insurance person terminal 20 accepts an operation on the insurance person main screen 40, and transmits a signal indicating that the operation has been accepted to the server 10. The server 10 generates an insurance person main screen and a customer main screen according to the operation accepted at the insurance person terminal 20, and causes the insurance person terminal 20 to display the insurance person main screen, and also causes the customer terminal 22 to display the customer main screen.

[0080] In step S102, when the insurance person's terminal 20 accepts a pressing operation of the confirmation operation request button, it transmits a signal indicating that the pressing operation of the confirmation operation request button has been accepted to the server 10. For example, as shown in Fig. 10, when the confirmation operation request button 40C on the insurance person's main screen 40 is pressed with the cursor C on the insurance person's terminal 20, a signal indicating that the pressing operation of the confirmation operation request button has been accepted is transmitted to the server 10.

[0081] At this time, as shown in FIG. 10, the transition button 40J for transitioning to the next page, which is included in the insurance person's main screen 40, is disabled.

[0082] In step S104, when the operation reception unit 34 of the server 10 receives a signal indicating that the operation of pressing the confirmation operation request button has been accepted, the operation reception unit 34 generates a pop-up screen including a confirmation button, and transmits data of the pop-up screen to the customer terminal 22 via the communication unit 38, thereby displaying the pop-up screen so as to be able to accept operations on the customer terminal 22 side.

[0083] For example, a pop-up screen 60 as shown in Fig. 11 is superimposed on the customer-side main screen 50 and displayed on the display unit 16 of the customer-side terminal 22. The pop-up screen 60 includes a confirmation button 60A indicating that the explanation regarding the insurance application has been confirmed.

[0084] In step S106, when the customer terminal 22 accepts a pressing operation of the Confirm button 60A, it transmits a signal indicating that the pressing operation of the Confirm button 60A has been accepted to the server 10. For example, as shown in FIG. 11, when the Confirm button 60A of the pop-up screen 60 is pressed by the cursor C at the customer terminal 22, a signal indicating that the pressing operation of the Confirm button 60A has been accepted is transmitted to the server 10.

[0085] In step S108, when the button control unit 36 ​​of the server 10 receives a signal indicating that the confirmation button on the pop-up screen has been pressed at the customer terminal 22, it activates the transition button 40J on the insurance agent's main screen 40 for transitioning to the next explanation screen.

[0086] In step S110, when the insurance officer terminal 20 receives a press of the transition button 40J to transition to the next page included on the insurance officer main screen 40, it transmits a signal indicating that the press of the transition button 40J has been received to the server 10.

[0087] In step S112, the server 10 starts the process of causing the insurance officer terminal 20 and the customer terminal 22 to share and display the next page of the explanation screen, similar to step S100 above. Then, the same processes as steps S100 to S112 above are repeated.

[0088] 12 is a sequence diagram showing the flow of processing related to notification in the insurance application support system 100. Here, images of the insurance clerk captured by the camera 28 of the insurance clerk terminal 20 are sequentially transmitted to the server 10 via the network 26, and images of the customer captured by the camera 28 of the customer terminal 22 are sequentially transmitted to the server 10 via the network 26. Then, when the insurance clerk terminal 20 receives an instruction from the insurance clerk to share the notification screen related to the insurance application, the processing shown in FIG. 12 is started. Note that the processing shown in FIG. 12 is processing when the customer terminal 22 is a mobile terminal.

[0089] In step S120, the server 10 starts a process of causing the insurance agent terminal 20 and the customer terminal 22 to share and display a notification screen relating to the insurance application.

[0090] Specifically, the screen generation unit 32 of the server 10 generates a main screen for notification on the customer side which displays an image captured by the camera 22 of the insurance agent terminal 20 and a notification screen similar to the main screen for notification on the insurance agent side, and which includes a start shooting button that commands the customer to start photographing the signature portion, and transmits data of the main screen for notification on the customer side to the customer terminal 22 via the communication unit 38, and causes the customer terminal 22 to display the main screen for notification on the customer side so that it can accept operations from the customer terminal 22.

[0091] For example, a customer-side notification main screen 150 as shown in Fig. 13 is displayed on the display unit 16 of the customer-side terminal 22. The customer-side notification main screen 150 includes a notification screen 150A and a video display unit 50B. The notification screen 150A includes a signature capture start button 150C.

[0092] In addition, the screen generation unit 32 of the server 10 generates a main screen for notification on the insurance agent side that displays the image captured by the camera 28 of the customer terminal 22 and a notification screen regarding the insurance application, and transmits data of the main screen for notification on the insurance agent side to the insurance agent side terminal 20 via the communication unit 38, causing the insurance agent side terminal 20 to display the main screen for notification on the insurance agent side in a manner that does not accept any operations from the insurance agent side terminal 20.

[0093] Then, the customer terminal 22 accepts an operation on the customer notification main screen 150, and transmits a signal indicating that the operation has been accepted to the server 10. The server 10 generates an insurance representative notification main screen and a customer notification main screen according to the operation accepted at the customer terminal 22, and causes the insurance representative terminal 20 to display the insurance representative notification main screen, and causes the customer terminal 22 to display the customer notification main screen.

[0094] In step S122, when the customer terminal 22 accepts a pressing operation of the signature capture start button, it transmits a signal indicating that a pressing operation of the confirmation operation request button has been accepted to the server 10. For example, as shown in Fig. 13, when the customer terminal 22 uses the cursor C to press the signature capture start button 150C on the customer notification main screen 150, it transmits a signal indicating that a pressing operation of the signature capture start button has been accepted to the server 10.

[0095] At this time, the insurance agent will verbally ask the customer to sign a blank document in front of the camera 28 of the customer terminal 22 as shown in FIG. 14, and then press the signature capture start button after signing.

[0096] In step S124, when the operation reception unit 34 of the server 10 receives an operation of pressing the signature capture start button on the customer terminal 22, it generates a capture method selection pop-up screen for selecting a method for capturing the signature image, and transmits data of the capture method selection pop-up screen to the customer terminal 22 via the communication unit 38, causing the capture method selection pop-up screen to be displayed so as to be able to accept operations on the customer terminal 22 side.

[0097] 15 is displayed on the display unit 16 of the customer terminal 22, superimposed on the customer notification main screen 150. The photography method selection pop-up screen 170 includes a self-terminal photography selection button 170A for selecting photography at the customer terminal, and a two-dimensional code 170B that is read to perform photography processing at the customer mobile terminal 222. For example, a QR code (registered trademark) may be used as the two-dimensional code 170B.

[0098] In step S126, when the customer terminal 22 accepts a pressing operation of the own-terminal photography selection button 170A, it transmits a signal indicating that the pressing operation of the own-terminal photography selection button 170A has been accepted to the server 10. For example, as shown in Fig. 15, when the customer terminal 22 uses the cursor C to press the own-terminal photography selection button 170A on the photography method selection pop-up screen 170, it transmits a signal indicating that the pressing operation of the own-terminal photography selection button 170A has been accepted to the server 10.

[0099] In step S128, when the operation reception unit 34 of the server 10 receives a signal indicating that it has received a press operation of the local terminal photography selection button at the customer terminal 22 to select photography at the local terminal, the operation reception unit 34 transmits an instruction to start the photography process at the customer terminal 22 via the communication unit 38.

[0100] In step S130, the customer terminal 22 starts a photographing process using the camera 28, and the camera 28 photographs the signature portion of the signed document. The customer terminal 22 then crops the signature portion from the photographed image to generate a signature image (see FIG. 16 ), and transmits the signature image to the server 10.

[0101] In step S134, the signature image acquisition unit 37 acquires a signature image photographed by the customer terminal 22, which represents the portion of the signature by the customer.

[0102] Then, the signature image acquisition unit 37 generates a customer-side notification completion screen including the signature image and a notification completion button indicating completion of the notification, and transmits data of the customer-side notification completion screen to the customer-side terminal 22 via the communication unit 38, causing the customer-side notification completion screen to be displayed so as to be able to accept operations on the customer-side terminal 22 side.

[0103] 17 is displayed on the display unit 16 of the customer terminal 22. The customer-side notification completion screen 180 includes a notification completion button 180A. Also, a signature image 180B is displayed in the signature display field of the customer-side notification completion screen 180.

[0104] In addition, the signature image acquisition unit 37 generates an insurance agent side notification completion screen including the signature image, and transmits data of the insurance agent side notification completion screen to the insurance agent side terminal 20 via the communication unit 38, causing the insurance agent side notification completion screen to be displayed without accepting any operations on the insurance agent side terminal 20 side.

[0105] In step S136, when the customer terminal 22 accepts a pressing operation of the notification completion button 180A, a signal indicating that the pressing operation of the notification completion button 180A has been accepted is transmitted to the server 10. For example, as shown in Fig. 17, when the notification completion button 180A on the customer side notification completion screen 180 is pressed by the cursor C on the customer terminal 22, a signal indicating that the pressing operation of the notification completion button 180A has been accepted is transmitted to the server 10.

[0106] In step S138, the server 10 starts the process of causing the insurance officer terminal 20 and the customer terminal 22 to share and display the next page of the explanation screen, similar to step S100 above. Then, the server 10 repeats the same processes as steps S100 to S112 above.

[0107] 18 is a sequence diagram showing the flow of processing related to notification in the insurance application support system 100 when the customer terminal 22 is a computer terminal. Note that processing similar to that shown in FIG. 12 is given the same reference numerals and description thereof will be omitted.

[0108] First, the same processes as those in steps S120 to S124 are carried out.

[0109] In step S140, the customer's mobile terminal 222 reads the two-dimensional code 170B.

[0110] In step S142, in the customer side portable terminal 222, a photographing process is started using a camera in accordance with the read two-dimensional code 170B.

[0111] In step S144, the signature portion of the signed document is photographed by the camera of the customer-side mobile terminal 222. Then, the customer-side mobile terminal 222 crops the signature portion from the photographed image to generate a signature image (see FIG. 16 above), and transmits the signature image to the server 10.

[0112] Then, the same processes as those in steps S134 to S138 are carried out.

[0113] Fig. 19 is a sequence diagram showing the flow of processing related to application completion in the insurance application support system 100. Here, images of the insurance clerk taken by the camera 28 of the insurance clerk terminal 20 are sequentially transmitted to the server 10 via the network 26, and images of the customer taken by the camera 28 of the customer terminal 22 are sequentially transmitted to the server 10 via the network 26. Then, when the insurance clerk terminal 20 receives an instruction from the insurance clerk to share the screen at the end of the explanation regarding the insurance application, the processing shown in Fig. 19 is started. Note that the processing shown in Fig. 19 is processing when the customer terminal 22 is a mobile terminal.

[0114] In step S150, the server 10 starts a process of causing the insurance agent terminal 20 and the customer terminal 22 to share and display the screen displayed at the end of the explanation regarding the insurance application.

[0115] Specifically, the screen generation unit 32 of the server 10 generates a main screen at the end of the explanation on the insurance agent's side, which is a main screen that displays the image captured by the camera 28 of the customer's terminal 22 and the screen at the end of the explanation regarding the insurance application, and which includes a signature capture request button for requesting a capture of the customer's signature, and transmits data of the main screen at the end of the explanation on the insurance agent's side to the insurance agent's terminal 20 via the communication unit 38, and displays the main screen at the end of the explanation on the insurance agent's side so that it can accept operations on the insurance agent's terminal 20 side.

[0116] 20, a main screen 190 displayed on the display unit 16 of the customer terminal 22. The main screen 190 displayed on the insurance representative's side at the end of explanation includes a screen 190A displayed on the display unit 50B, a signature capture request button 190B, and an application confirmation request button 190C.

[0117] In addition, the screen generation unit 32 of the server 10 generates a main screen for when the customer's side explanation is completed, which displays the image captured by the camera 22 of the insurance agent's terminal 20 and the screen displayed when the explanation regarding the insurance application is completed, and transmits data of the main screen for when the customer's side explanation is completed to the customer's terminal 22 via the communication unit 38, causing the customer's terminal 22 to display the main screen for when the customer's side explanation is completed in a manner that does not allow any operations from the customer's terminal 22 to be accepted.

[0118] Then, the insurance person's terminal 20 accepts an operation on the insurance person's explanation end main screen 190, and transmits a signal indicating that the operation has been accepted to the server 10. The server 10 generates an insurance person's explanation end main screen and a customer's explanation end main screen in accordance with the operation accepted at the insurance person's terminal 20, and causes the insurance person's terminal 20 to display the insurance person's explanation end main screen, and causes the customer's terminal 22 to display the customer's explanation end main screen.

[0119] In step S152, when the insurance person's terminal 20 accepts a pressing operation of the signature capture request button, it transmits a signal indicating that a pressing operation of the confirmation operation request button has been accepted to the server 10. For example, when the signature capture request button 190B on the insurance person's explanation end main screen 190 is pressed with the cursor on the insurance person's terminal 20, a signal indicating that the signature capture request button 190B has been accepted is transmitted to the server 10.

[0120] At this time, the insurance agent will ask the customer by voice to sign a blank document in front of the camera 28 of the customer terminal 22 as shown in FIG. 14 above, and then to select a method for photographing the signature after signing.

[0121] In step S154, when the operation reception unit 34 of the server 10 receives an operation of pressing the signature capture request button on the insurance officer's terminal 20, it generates a capture method selection pop-up screen for selecting a method for capturing the signature image, as in step S124 above, and transmits data of the capture method selection pop-up screen to the customer's terminal 22 via the communication unit 38, causing the capture method selection pop-up screen to be displayed so as to be able to accept operations on the customer's terminal 22 side.

[0122] In step S156, when the customer terminal 22 accepts a pressing operation of the own-terminal photography selection button 170A, it transmits to the server 10 a signal indicating that the pressing operation of the own-terminal photography selection button 170A has been accepted, similarly to step S126.

[0123] In step S158, when the operation reception unit 34 of the server 10 receives a signal indicating that it has received a press of the local terminal photography selection button at the customer terminal 22 to select photography at the local terminal, it transmits an instruction to start the photography process at the customer terminal 22 via the communication unit 38, as in step S128.

[0124] In step S160, in the same manner as in step S130, the customer terminal 22 starts a photographing process using the camera 28, and photographs the signature portion of the signed document using the camera 28. The customer terminal 22 then crops the signature portion from the photographed image to generate a signature image, and transmits the signature image to the server 10.

[0125] In step S162, the signature image acquisition unit 37 acquires a signature image photographed by the customer terminal 22, which represents the portion of the signature by the customer.

[0126] Then, the signature image acquisition unit 37 generates a main screen for signature confirmation on the insurance officer side, which includes the signature image and an application confirmation request button for requesting application confirmation, and transmits data of the main screen for signature confirmation on the insurance officer side to the insurance officer side terminal 20 via the communication unit 38, causing the main screen for signature confirmation on the insurance officer side to be displayed so as to be able to accept operations on the insurance officer side terminal 20 side.

[0127] For example, the signature confirmation main screen 200 on the insurance specialist's side as shown in FIG. 21 is displayed on the display unit 16 of the insurance specialist's terminal 20. The signature confirmation main screen 200 on the insurance specialist's side is as follows: It includes an insurance officer's side signature confirmation screen 200A, an image display section 50B, a signature capture request button 200B, and an application confirmation request button 200C. Also, the signature image is displayed in the signature display field of the insurance officer's side signature confirmation screen 200A.

[0128] Furthermore, the signature image acquisition unit 37 generates a customer-side main screen for signature confirmation including the signature image, transmits data of the customer-side main screen for signature confirmation to the customer-side terminal 22 via the communication unit 38, and displays the customer-side main screen for signature confirmation without accepting any operations from the customer-side terminal 22.

[0129] In step S164, when the insurance officer side terminal 20 accepts the pressing of the application confirmation request button 200C, it transmits to the server 10 a signal indicating that the pressing of the application confirmation request button 200C has been accepted.

[0130] In step S166, when the operation reception unit 34 of the server 10 receives a signal indicating that the operation of pressing the application confirmation request button on the insurance officer's terminal 20 has been received, it generates an application completion screen on the insurance officer's side including the signature image, and sends data of the application completion screen on the insurance officer's side to the insurance officer's terminal 20 via the communication unit 38, causing the application completion screen on the insurance officer's side to be displayed without accepting any operations on the insurance officer's side terminal 20.

[0131] In addition, the operation reception unit 34 generates a customer-side application completion screen including a signature image and an application button indicating that the application has been confirmed, and transmits data of the customer-side application completion screen to the customer-side terminal 22 via the communication unit 38, causing the customer-side application completion screen to be displayed so as to be able to accept operations on the customer-side terminal 22 side.

[0132] In step S168, when the customer terminal 22 accepts the pressing of the application button, it transmits to the server 10 a signal indicating that the application button pressing has been accepted.

[0133] In step S170, when the operation reception unit 34 of the server 10 receives a signal indicating that the application button has been pressed at the customer terminal 22, it generates an insurance agent's main screen and transmits data of the insurance agent's main screen to the insurance agent's terminal 20 via the communication unit 38, displaying the insurance agent's main screen so that operations on the insurance agent's terminal 20 can be accepted.

[0134] In addition, when the operation reception unit 34 receives the operation of pressing the application button on the customer terminal 22, it generates a customer main screen and transmits data of the customer main screen to the customer terminal 22 via the communication unit 38, causing the customer main screen to be displayed without being able to accept operations from the customer terminal 22.

[0135] Furthermore, when the customer terminal 22 is a computer terminal, steps S156 and S158 in the flow of processing relating to the completion of the application in FIG. 19 are replaced with steps S140 and S142 shown in FIG.

[0136] As described above, according to the insurance application support system of the embodiment of the present invention, when the customer terminal accepts the pressing of the shooting start button, a signature image representing the signature portion by the customer is acquired, a customer notification completion screen including the signature image and a notification completion button is generated, and the customer terminal displays the customer notification completion screen so that operations on the customer terminal side can be accepted. This makes it possible to complete the notification procedure for the insurance application online even if the signature at the time of the notification for the insurance application is made on paper.

[0137] In addition, by accepting the pressing of a photographing start button by the customer who has signed while the camera of the customer side terminal is taking an image after the customer signs, it is possible to confirm that the customer himself has signed even when applying for insurance online.

[0138] In addition, when the insurance agent terminal accepts the pressing of a photograph request button, it acquires a signature image representing the signature portion by the customer, generates a customer application completion screen including the signature image and an application button for instructing completion of the application, and displays the customer application completion screen on the customer terminal so that operations on the customer terminal side can be accepted. This makes it possible to apply for insurance online even if the signature for the insurance application is made on paper.

[0139] The above-mentioned server processing may be distributed and executed by a plurality of computers connected via a network.

[0140] Also, the voice of the insurance representative may be output to the customer via a telephone line, and the customer's voice may be output to the insurance representative via a telephone line. [Explanation of symbols]

[0141] 10 Server 15 Input section 16 Display section 20 Insurance agent terminal 22 Customer terminal 26 Network 28 Camera 30 Video Acquisition Unit 32 Screen generation section 34 Operation reception section 36 Button control section 37 Signature image acquisition unit 38 Communications Department 40 Insurance agent main screen 40A Explanation screen 40B Video display section 40C Confirmation operation request button 40J Transition button 50 Customer side main screen 50A Explanation screen 50B Video display section 60 Pop-up screens 60A Confirm button 100 Insurance application support system 150 Main screen for customer notifications 150A Announcement screen 150C Signature capture start button 170 Pop-up screen for selecting shooting method 170A Device shooting selection button 170B 2D code 180 Customer notification completion screen 180A Notification completion button 180B Signature Image 190 Main screen when explanation is completed for insurance agent 190A Explanation end screen 190B Signature photo request button 190C Application confirmation request button 200 Main screen for signature confirmation on the insurance agent side 200A Signature confirmation screen for insurance agent 200B Signature photo request button 200C Application confirmation request button 222 Customer's mobile terminal

Claims

1. A server in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, generating a main screen for notification on the insurance clerk's side for displaying a notification screen regarding the application for insurance, and displaying the main screen for notification on the insurance clerk's side on the insurance clerk's side terminal in a manner that does not allow operations on the insurance clerk's side terminal to be accepted; generating a customer-side main screen for notification, the main screen being a main screen for displaying the notification screen and including a photographing start button for instructing the customer to start photographing the signature portion; and displaying the customer-side main screen for notification on the customer-side terminal in a manner capable of accepting operations on the customer-side terminal side; When the customer-side terminal accepts a pressing operation of the image capture start button, a signature image representing a signature portion by the customer is acquired; generating an insurance clerk's side notification completion screen including the signature image, and displaying the insurance clerk's side notification completion screen on the insurance clerk's side terminal in a manner that does not allow any operation from the insurance clerk's side terminal to be accepted; and A customer-side notification completion screen including the signature image and a notification completion button for instructing completion of the notification is generated, and the customer-side notification completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. server.

2. the signature image is an image obtained by cutting out the signature portion from a photograph of the portion of the signature to be written by the customer; 2. The server according to claim 1, wherein the signature image is displayed in a signature display field on the customer-side notification completion screen.

3. The customer terminal has a camera, 3. The server according to claim 1, further comprising: a server configured to receive, after a customer signs while a camera of the customer terminal is taking an image, a pressing operation of the image taking start button by the customer who has signed.

4. A server in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, generating an insurance agent side main screen which displays an explanation screen regarding the application for insurance and includes a photographing request button for requesting a photograph of the customer's signature, and displaying the insurance agent side main screen on the insurance agent side terminal in a manner capable of accepting operations on the insurance agent side terminal side; generating a customer-side main screen for displaying the explanation screen, and displaying the customer-side main screen on the customer-side terminal in a manner that does not allow operations on the customer-side terminal to be accepted; When the insurance agent's terminal accepts the pressing of the photographing request button, a signature image representing the signature portion of the customer is acquired, generating an insurance clerk's application completion screen including the signature image, and displaying the insurance clerk's application completion screen on the insurance clerk's terminal in a manner that does not allow any operation from the insurance clerk's terminal; and A customer-side application completion screen including the signature image and an application completion button for instructing completion of the application is generated, and the customer-side application completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. server.

5. the signature image is an image obtained by cutting out the signature portion from a photograph of the portion of the signature to be written by the customer; The server according to claim 4 , wherein the signature image is displayed in a signature display field on the application completion screen on the insurance agent side.

6. An insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, The server generates a main screen for notification on the insurance clerk's side for displaying a notification screen regarding the application for insurance, and causes the insurance clerk's side terminal to display the main screen for notification on the insurance clerk's side in a manner that does not allow operations on the insurance clerk's side terminal to be accepted; and generating a customer-side main screen for notification, the main screen being a main screen for displaying the notification screen and including a photographing start button for instructing the customer to start photographing the signature portion; and displaying the customer-side main screen for notification on the customer-side terminal in a manner capable of accepting operations on the customer-side terminal side; The customer terminal accepts a pressing operation of the shooting start button, The server obtains a signature image representing a portion of a signature by a customer; The server generates an insurance clerk's side notification completion screen including the signature image, and causes the insurance clerk's side terminal to display the insurance clerk's side notification completion screen in a manner that does not allow any operation from the insurance clerk's side terminal to be accepted; and A customer-side notification completion screen including the signature image and a notification completion button for instructing completion of the notification is generated, and the customer-side notification completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. Insurance application support system.

7. An insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, The server generates an insurance agent side main screen which is a main screen for displaying an explanation screen regarding the application for insurance and includes a photographing request button for requesting a photograph of the customer's signature, and causes the insurance agent side terminal to display the insurance agent side main screen in a manner capable of accepting operations from the insurance agent side terminal side; and generating a customer-side main screen for displaying the explanation screen, and displaying the customer-side main screen on the customer-side terminal in a manner that does not allow operations on the customer-side terminal to be accepted; The insurance officer's terminal accepts the pressing of the photographing request button, The server obtains a signature image representing a portion of a signature by a customer; The server generates an insurance clerk's application completion screen including the signature image, and causes the insurance clerk's terminal to display the insurance clerk's application completion screen in a manner that does not allow any operation from the insurance clerk's terminal; and A customer-side application completion screen including the signature image and an application completion button for instructing completion of the application is generated, and the customer-side application completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. Insurance application support system.

8. An insurance application support method in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, comprising: The server generates a main screen for notification on the insurance clerk's side for displaying a notification screen regarding the application for insurance, and causes the insurance clerk's side terminal to display the main screen for notification on the insurance clerk's side in a manner that does not allow operations on the insurance clerk's side terminal to be accepted; and generating a customer-side main screen for notification, the main screen being a main screen for displaying the notification screen and including a photographing start button for instructing the customer to start photographing the signature portion; and displaying the customer-side main screen for notification on the customer-side terminal in a manner capable of accepting operations on the customer-side terminal side; The customer terminal accepts a pressing operation of the shooting start button, The server obtains a signature image representing a portion of a signature by a customer; The server generates an insurance clerk's side notification completion screen including the signature image, and causes the insurance clerk's side terminal to display the insurance clerk's side notification completion screen in a manner that does not allow any operation from the insurance clerk's side terminal to be accepted; and A customer-side notification completion screen including the signature image and a notification completion button for instructing completion of the notification is generated, and the customer-side notification completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. How to assist with insurance applications.

9. An insurance application support method in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, comprising: The server generates an insurance agent side main screen which is a main screen for displaying an explanation screen regarding the application for insurance and includes a photographing request button for requesting a photograph of the customer's signature, and causes the insurance agent side terminal to display the insurance agent side main screen in a manner capable of accepting operations from the insurance agent side terminal side; and generating a customer-side main screen for displaying the explanation screen, and displaying the customer-side main screen on the customer-side terminal in a manner that does not allow operations on the customer-side terminal to be accepted; The insurance officer's terminal accepts the pressing of the photographing request button, The server obtains a signature image representing a portion of a signature by a customer; The server generates an insurance clerk's application completion screen including the signature image, and causes the insurance clerk's terminal to display the insurance clerk's application completion screen in a manner that does not allow any operation from the insurance clerk's terminal; and A customer-side application completion screen including the signature image and an application completion button for instructing completion of the application is generated, and the customer-side application completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. How to assist with insurance applications.

10. A server in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, generating a main screen for notification on the insurance clerk's side for displaying a notification screen regarding the application for insurance, and displaying the main screen for notification on the insurance clerk's side on the insurance clerk's side terminal in a manner that does not allow operations on the insurance clerk's side terminal to be accepted; generating a customer-side main screen for notification, the main screen being a main screen for displaying the notification screen and including a photographing start button for instructing the customer to start photographing the signature portion; and displaying the customer-side main screen for notification on the customer-side terminal in a manner capable of accepting operations on the customer-side terminal side; When the customer-side terminal accepts a pressing operation of the image capture start button, a signature image representing a signature portion by the customer is acquired; generating an insurance clerk's side notification completion screen including the signature image, and displaying the insurance clerk's side notification completion screen on the insurance clerk's side terminal in a manner that does not allow any operation from the insurance clerk's side terminal to be accepted; and A customer-side notification completion screen including the signature image and a notification completion button for instructing completion of the notification is generated, and the customer-side notification completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. A program to make it happen.

11. A server in an insurance application support system including a customer terminal, a server, and an insurance agent terminal, which are connected via a network, generating an insurance agent side main screen which displays an explanation screen regarding the application for insurance and includes a photographing request button for requesting a photograph of the customer's signature, and displaying the insurance agent side main screen on the insurance agent side terminal in a manner capable of accepting operations on the insurance agent side terminal side; generating a customer-side main screen for displaying the explanation screen, and displaying the customer-side main screen on the customer-side terminal in a manner that does not allow operations on the customer-side terminal to be accepted; When the insurance agent's terminal accepts the pressing of the photographing request button, a signature image representing the signature portion of the customer is acquired, generating an insurance clerk's application completion screen including the signature image, and displaying the insurance clerk's application completion screen on the insurance clerk's terminal in a manner that does not allow any operation from the insurance clerk's terminal; and A customer-side application completion screen including the signature image and an application completion button for instructing completion of the application is generated, and the customer-side application completion screen is displayed on the customer-side terminal so as to be capable of accepting operations on the customer-side terminal side. A program to make it happen.

Images