Insurance subscription integrated server device

Abstract

To provide an integration server device that facilitates subscription processing.SOLUTION: Application reception means 26 receives insurance subscription application data from a user terminal device 40. Application transmission means 28 converts the insurance subscription application data into a format matching that of an insurance company server device 50 which deals a recommended insurance product, and transmits the converted data to the insurance company server device 50. The insurance company server device 50 transmits subscription possibility / impossibility for an insurance product which is applied on the basis of the subscription application data to an insurance subscription integration server device 20. Subscription possibility / impossibility receiving means 30 receives this. Subscription possibility / impossibility transmission means 32 transmits the subscription possibility / impossibility to a mail address of a user referring to user registration information. Thus, the user can know the subscription possibility / impossibility for the applied insurance product. And, subscription possibility / impossibility recording means 34 records the subscription possibility / impossibility so as to be able to browse from a bank terminal device 10. Thus, a person in charge of a bank can know the subscription possibility / impossibility.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a system for enabling a user who has taken out a loan from a financial institution such as a bank to take out an insurance contract relating to the loan. [Background technology]

[0002] Users who borrow from financial institutions often take out insurance (such as group credit life insurance) at the same time as taking out a loan to prepare for the possibility of being unable to repay the loan due to an event such as death or inability to work.

[0003] The above insurance application procedure will be described with reference to Fig. 19. Banks α, β...ε have bank terminals Tα, Tβ...Tε, respectively. Insurance companies A, B...M have insurance company server devices SA, SB...SM, respectively.

[0004] The bank staff will hand over an application form for the recommended insurance product to the user who has taken out a loan. In this example, we will assume that insurance product B2 from insurance company B is recommended to the user who has taken out a loan from bank α. Note that the recommended insurance product will change depending on the user's loan details and attributes.

[0005] The person in charge of bank α operates bank terminal Tα to connect to insurance company server device SB, and further inputs data required for application of insurance product B2 based on the application form filled out by the user, and transmits the data to insurance company server device SB.

[0006] The insurance company examines the application to see whether the user can join the insurance company and uploads the results to the insurance company server device SB. The bank staff operates the bank terminal Tα to access the insurance company server device SB and view the results. The staff informs the user of the results.

[0007] In the manner described above, insurance enrollment related to borrowing can be processed. [Prior art documents] [Patent documents]

[0008] [Patent Document 1] Patent 6046793 Summary of the Invention [Problem to be solved by the invention]

[0009] However, the above system has the following problems: The insurance company server device determines input items and interfaces for each insurance product of the insurance company, making the application input work for the person in charge cumbersome.

[0010] Furthermore, even if the insurance company sells the same product, the names of the items to be entered by the user and the explanations vary depending on the bank, depending on the bank's intention. This poses a problem that the insurance company's server device must prepare a separate interface for each bank.

[0011] Patent Document 1 discloses a system that can link applications for life insurance using a customer master of a bank system, but does not solve the above problem.

[0012] SUMMARY OF THE PRESENT EMBODIMENT An object of the present invention is to provide an integrated server device that solves the above problems and facilitates the joining process. [Means for solving the problem]

[0013] Several independently applicable features of the present invention are listed below.

[0014] (1)(2) The insurance subscription integrated server device according to the present invention comprises a user registration receiving means for receiving and recording user registration from a financial institution terminal device, the user registration including user information including an email address of a user who has applied for a loan with the financial institution and recommended insurance product information selected from among a plurality of insurance products; a link information transmitting means for transmitting link information to the insurance subscription integrated server device to the email address of the user; an application receiving means for receiving an insurance contract application for an applied insurance product determined based on the recommended insurance product information from a user terminal device that has accessed based on the link information; an application transmitting means for transmitting the received insurance contract application to an insurance company server device; and an application approval / disapproval unit for receiving an approval / disapproval of the application from the insurance company server device. In an insurance subscription integrated server device having a receiving means, a subscription possibility recording means for recording the received subscription possibility so that it can be viewed from a financial institution terminal device, and a subscription possibility sending means for sending the received subscription possibility to the user's email address, the application receiving means has an application screen sending means for sending to the user terminal device an application screen determined by the combination of the applied insurance product for which the user is applying and the financial institution to which the user has applied for a loan, for an applied insurance product selected from the plurality of insurance products, and the application screen sending means sends application screens in multiple stages, and is characterized in that for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution.

[0015] Therefore, there is no need for bank staff to access the server device of each insurance company to submit applications, and the existing server device of the insurance company can be used as is, which not only improves business efficiency but also makes it easier to build the system.

[0016] (3) The insurance subscription integrated server device of the present invention is characterized in that the application screen sending means sends a multi-stage application screen that is patterned according to the display items or input items or both of the applied-for insurance product and divided according to the patterns, and in each stage, an application screen is selected for each of the patterns, and the display wording in the application screen is changed according to the insurance product and the bank.

[0017] Therefore, it is possible to easily generate application screens that change for each recommended bank and insurance product.

[0018] (4) The insurance subscription integrated server device of the present invention is characterized in that it records modularized templates for generating display screens in accordance with the patterning, and records a wording table for combinations of the insurance product and the bank for wording to be inserted into the template.

[0019] Therefore, the application screen can be easily generated and modified.

[0020] (5) The insurance subscription integrated server device of the present invention is characterized in that the application screen sending means sends the application screen after filling in known user information in advance using the user information obtained by the user registration acceptance means from the financial institution server device.

[0021] Therefore, the input operation is easy.

[0022] (6)(7) The integrated insurance subscription server device of the present invention generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies, and includes application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device, application transmission means for transmitting the accepted insurance contract application to the insurance company server device, enrollment acceptance / rejection receiving means for receiving from the insurance company server device an enrollment acceptance / rejection decision from the insurance company server device, and enrollment acceptance / rejection recording means for recording the received enrollment acceptance / rejection decision so that it can be viewed from the financial institution terminal device; In an insurance subscription integrated server device equipped with a subscription availability sending means for sending the received subscription availability to a user terminal device, the application receiving means has an application screen sending means for sending to the user terminal device an application screen determined by the combination of the applied insurance product selected from the plurality of insurance products for which the user is applying and the financial institution to which the user has applied for a loan, and the application screen sending means sends application screens in multiple stages, and is characterized in that for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution.

[0023] Therefore, there is no need for bank staff to access the server device of each insurance company to submit applications, and the existing server device of the insurance company can be used as is, which not only improves business efficiency but also makes it easier to build the system.

[0024] (8) The insurance subscription integrated server device of the present invention is characterized in that the application screen sending means transmits a multi-stage application screen divided into patterns based on the display items or input items or both of the applied-for insurance product and according to the patterns, and in each stage, an application screen is selected for each pattern and the display wording in the application screen is changed according to the insurance product and the bank.

[0025] Therefore, it is possible to easily generate application screens that change for each recommended bank and insurance product.

[0026] (9) The insurance subscription integrated server device of the present invention is characterized in that it records modularized templates for generating display screens in accordance with the patterning, and records a wording table for combinations of the insurance product and the bank for wording to be inserted into the template.

[0027] Therefore, the application screen can be easily generated and modified.

[0028] (10) The insurance subscription integrated server device of the present invention is characterized in that the application screen sending means sends the application screen after filling in known user information in advance using the user information obtained by the user registration acceptance means from the financial institution server device.

[0029] Therefore, the input operation is easy.

[0030] (11)(12) The integrated insurance subscription server device of the present invention generates an application screen that matches the application form of a financial institution among a plurality of financial institutions from which a user has borrowed, and performs enrollment processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies. The integrated insurance subscription server device is equipped with an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device, an application sending means for sending the accepted insurance contract application to the insurance company server device, an enrollment acceptance receiving means for receiving enrollment acceptance / rejection from the insurance company server device, an enrollment acceptance / rejection recording means for recording the received enrollment acceptance / rejection so that it can be viewed from the financial institution terminal device, and an enrollment acceptance / rejection sending means for sending the received enrollment acceptance / rejection to the user terminal device. The application acceptance means is characterized in that it has an application screen sending means for sending to the user terminal device an application screen patterned for the applied insurance product based on a combination of the applied insurance product for which the user applies and the financial institution to which the user has applied for a loan.

[0031] Therefore, there is no need for bank staff to access the server device of each insurance company to submit applications, and the existing server device of the insurance company can be used as is, which not only improves business efficiency but also makes it easier to build the system.

[0032] In this invention, the "user registration accepting means" corresponds to step S53 in the embodiment.

[0033] In this embodiment, step S54 corresponds to the "link information transmitting means."

[0034] In this embodiment, steps S62 to S66 correspond to the "application receiving means."

[0035] In this embodiment, step S72 corresponds to the "application sending means."

[0036] In this embodiment, step S73 corresponds to the "subscription approval / disapproval receiving means."

[0037] In this embodiment, step S75 corresponds to the "subscription approval / disapproval sending means."

[0038] In this embodiment, step S74 corresponds to the "joining permission / prohibition recording means."

[0039] The term "program" is a concept that includes not only programs that can be executed directly by a CPU, but also programs in source format, compressed programs, encrypted programs, and the like. [Brief description of the drawings]

[0040] [Figure 1] FIG. 2 is a functional configuration diagram of an insurance subscription integrated server device 20 according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a system configuration diagram of a system using an insurance subscription integrated server device 20. [Diagram 3] 2 shows the hardware configuration of the insurance subscription integrated server device 20. [Figure 4] 4 shows the hardware configuration of a smartphone 40. [Diagram 5] 1 shows the hardware configuration of a bank terminal device 10. [Figure 6] 13 is a flowchart of a user registration process. [Figure 7] FIG. 13 is a diagram showing a user registration screen. [Figure 8] FIG. 13 shows an email addressed to a user. [Figure 9] 13 is a flowchart of an insurance application process. [Figure 10] This is a table (recorded in the SSD 34) for determining which module to use. [Figure 11] This is a table (recorded in the SSD 34) for determining the pattern. [Figure 12] FIG. 13 is a diagram showing a module A recorded in the SSD 34. [Figure 13] FIG. 13 is a diagram showing a text table A1 recorded in the SSD 34. [Figure 14] 13 is a display example of an application screen. [Figure 15] FIG. 13 is a diagram showing a module C recorded in the SSD 34. [Figure 16] 13 is a display example of an application screen. [Figure 17] 13 is a flowchart of an insurance application process. [Figure 18] 13 is a table for determining a template according to another example. [Figure 19] FIG. 1 is a diagram for explaining a conventional insurance application process. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0041] 1. Functional configuration FIG. 1 shows a functional configuration of an insurance subscription integrated server device 20 according to an embodiment of the present invention.

[0042] In order to send an application link for the recommended insurance product to the user who has applied for a loan, the bank staff performs user registration in the insurance subscription server device 20. This user registration application includes the user's email address, the recommended insurance product, and the like.

[0043] User registration receiving means 22 receives user registration, generates a user ID, and performs user registration by recording the name of the borrower bank, the recommended insurance product for the user, the user name, etc. Link information sending means 24 sends an email with a link to an application page for the recommended insurance product to the user's email address.

[0044] The user reads the email on the user terminal device 40 and accesses the application page. Note that a plurality of application pages are prepared according to combinations of borrower banks and recommended insurance products, and the application page selected according to the combination is displayed.

[0045] The user operates user terminal device 40 to input the necessary information on the application page and transmits it to insurance application integrated server device 20 .

[0046] The application receiving means 26 receives insurance application data from the user terminal device 40. The application sending means 28 converts the insurance application data so that it matches the format of the insurance company server device 50 that handles the recommended insurance product, and sends it to the insurance company server device 50.

[0047] The insurance company server device 50 transmits to the insurance subscription integrated server device 20 a notification of whether or not the user can subscribe to the applied insurance product based on the application data. The subscription availability receiving means 30 receives this notification. The subscription availability sending means 32 refers to the user registration information and transmits the notification of whether or not the user can subscribe to the user's email address. This allows the user to know whether or not the user can subscribe to the insurance he or she has applied for.

[0048] Furthermore, participation approval / disapproval recording means 34 records the participation approval / disapproval in a manner that can be viewed from bank terminal device 10. This allows the bank staff to know the participation approval / disapproval.

[0049] As described above, according to this embodiment, the same standardized procedure can be used for any insurance product of any insurance company without modifying the insurance company server device 50 of each insurance company, making processing by bank staff easier. Also, the system can be simplified by being able to handle input expressions unique to each bank without having to provide a separate insurance subscription integrated server device 20 for each bank.

[0050] 2. System Configuration 2 shows the configuration of a system using insurance subscription integrated server device 20 according to one embodiment of the present invention. Insurance subscription integrated server device 20 is connected to the Internet. Similarly, user terminal devices 40α...40ε, bank terminal devices 10α...10ε, and insurance company server devices 50A...50M are also connected to the Internet.

[0051] The user terminal devices 40α...40ε are terminal devices operated by users who have taken out loans from banks α...ε. Users apply for insurance products from insurance companies by inputting information into the user terminal devices 40α...40ε. The bank terminal devices 10α...10ε are terminal devices operated by staff at banks α...ε.

[0052] The insurance subscription integrated server device 20 accepts subscription applications from the user terminal devices 40α to 40ε and transmits them to the insurance company server devices 50A to 50M.

[0053] 3 shows the hardware configuration of the insurance subscription integrated server device 20. Connected to the CPU 30 are a memory 32, an SSD 34, a DVD-ROM drive 36, and a communication circuit 38. The communication circuit 38 is for connecting to the Internet.

[0054] An operating system 40 and an integrated program 42 are recorded in the SSD 34. The integrated program 42 performs its functions in cooperation with the operating system 40. These programs were recorded on a DVD-ROM 44 and were installed in the SSD 34 via the DVD-ROM drive 36.

[0055] The hardware configuration of the insurance company server device 50 is similar to that of the insurance subscription integrated server device 20 in Fig. 2. However, an insurance server program is recorded in the SSD instead of the integrated program 42.

[0056] 4 shows the hardware configuration of a smartphone 40, which is a user terminal device. A memory 42, a touch display 43, a non-volatile memory 44, a camera 45, and a communication circuit 46 are connected to a CPU 41. Circuits for telephone calls and the like are omitted.

[0057] The communication circuit 46 is for connecting to the Internet. The non-volatile memory 44 stores an operating system 47 and a browser program 48. The browser program 48 cooperates with the operating system 47 to fulfill its functions.

[0058] 5 shows the hardware configuration of bank terminal device 10. Connected to CPU 11 are memory 12, display 13, SSD 14, DVD-ROM drive 15, keyboard / mouse 16, and communication circuit 17. Communication circuit 17 is for connecting to the Internet.

[0059] The SSD 14 stores an operating system 18 and a browser program 19. The browser program 19 performs its functions in cooperation with the operating system 18. These programs were originally stored on the DVD-ROM 5 and were installed in the SSD 14 via the DVD-ROM drive 15.

[0060] 3. Insurance application processing 3.1 User registration process 6, 9 and 17 show flowcharts of the integrated program 42. Fig. 6 is a flowchart of a user registration process.

[0061] A user applies to a bank for a loan such as a housing loan. This system is intended for users who have applied to a bank for a loan.

[0062] The bank staff operates the bank terminal device 10 to perform user registration in order to use the insurance application system. User registration should normally be performed by the user himself / herself, but in this system, the bank staff performs it on behalf of the user.

[0063] The bank clerk operates bank terminal device 10 to access insurance subscription integrated server device 20 (step S1). On the login screen sent from insurance subscription integrated server device 20, the bank clerk enters his / her ID and password to log in (steps S2, S51).

[0064] When CPU 30 of insurance subscription integrated server device 20 (hereinafter sometimes abbreviated as insurance subscription integrated server device 20) confirms that the login is valid, it transmits a user registration screen (step S52). CPU 11 of bank terminal device 10 (hereinafter sometimes abbreviated as bank terminal device 10) displays this user registration screen on display 13.

[0065] The user registration screen is shown in Figure 7. The user ID is the ID that the bank assigns to the user when applying for a loan. The bank's server device (not shown) records the user's name, date of birth, loan amount, email address, etc., along with the user ID. This user information was registered when applying for a loan.

[0066] When the person in charge enters a user ID on the screen of Figure 7, bank terminal device 10 transmits the user ID to insurance subscription integrated server device 20. Insurance subscription integrated server device 20 receives this user ID, accesses the server device of the bank, and acquires user information corresponding to the user ID. The acquired user information is then transmitted to bank terminal device 10. As a result, the already registered user information is displayed on the screen of Figure 7 in an entered state.

[0067] The person in charge inputs (or corrects) any missing user information, and further inputs insurance products recommended to the user based on the user's loan amount, age, etc. It is predetermined which insurance companies and which products each bank will handle, and these are registered for each bank in the insurance subscription integrated server device 20. In many cases, one bank handles multiple insurance products from multiple insurance companies.

[0068] When inputting the recommended insurance product, a list of insurance products handled by the bank is displayed in a pull-down menu, and the insurance product code is input by selecting it. At this time, the presence or absence of joint liability and bridge financing is also input in addition to the insurance code. A product code may be generated and input so that it can be distinguished including the presence or absence of joint liability and bridge financing.

[0069] When the person in charge finishes inputting the information and clicks the send button 100, the user information and the recommended insurance product are sent (step S4). The user information and the recommended insurance product are recorded in the insurance subscription integrated server device 20 (step S53).

[0070] Insurance subscription integrated server device 20 transmits the URL of an application page for applying for the recommended insurance product to the user's email address in the user information (step S54). The user displays this email, for example, on the touch display 43 of the smartphone 40. The displayed email is shown in FIG. 8. The displayed URL is a link to an insurance application page prepared in insurance subscription integrated server device 20.

[0071] Furthermore, insurance subscription integrated server device 20 automatically generates a password for the user to log in and sends it separately to the email address. This password is also sent to the email address of the bank staff.

[0072] 3.2 Insurance Application Processing A flowchart of the insurance application process is shown in Fig. 9. When a user operates the smartphone 40 to click a link, the CPU 41 of the smartphone 40 (hereinafter, sometimes abbreviated as smartphone 40) accesses the insurance subscription integrated server device 20 (step S11). The insurance subscription integrated server device 20 transmits a login screen, which is displayed by the user terminal device 40.

[0073] The user enters the user ID (or the user's email address) and the above password on the login screen to log in. When the insurance subscription integrated server device 20 confirms that the login is valid, it transmits an application screen for the recommended insurance product to the smartphone 40.

[0074] The required items and displayed contents when applying vary depending on the insurance product. They also vary depending on which bank is used (which bank is recommended). In this embodiment, the application screen is divided into 12 stages (from the important matters explanation screen to the creation of the notification and application form PDF) as shown in the screen selection table in FIG. 10. Furthermore, screen templates are prepared and recorded in SSD 34 for each of the six product groups. In this embodiment, the templates are divided into modules for each stage.

[0075] The six patterns shown in Fig. 10 are shown in detail in Fig. 11. Even for similar products, the application screen may differ depending on whether it is life insurance or non-life insurance, so the patterns are separated (e.g., pattern 2 and pattern 6).

[0076] The insurance subscription integrated server device 20 determines which of the patterns in Fig. 10 the recommended insurance product recorded for the user corresponds to (step S62). For example, if the recommended product is a general group life insurance, pattern 1 is selected.

[0077] Next, the insurance subscription integrated server device 20 acquires a template module A of the subscription application screen 1 (important matters explanation screen) corresponding to the pattern 1 (step S63). Note that, although the contents of the wording on the important matters explanation screen vary depending on the insurance product and the bank, the structure is the same in that it has a wording field, a confirmation input field, a link field, a wording field, and a confirmation input field, so one module A is commonly used for all patterns.

[0078] Figure 12 shows the contents of module A. In module A, the left column of the first line lists "wording" as the type of item, and the right column shows a table (wording table A1) showing the wording to be inserted into that item. Figure 13 shows wording table A1. The wording to be displayed is recorded according to the combination of the insurance company's insurance product and the bank. Note that Figure 13 shows only a portion of the wording table.

[0079] Returning to Figure 12, the second line of module A lists variable CHK1 as the type of item. This indicates that an input field will be displayed and the input content will be recorded in variable CHK1. In the right column, a checkbox is listed as the type of input field. Additionally, the text to be displayed in conjunction with the checkbox, "I understand the above content," is listed.

[0080] The third line shows "Link" as the item type, which indicates that the link to the file shown in the right column will be displayed.

[0081] The fourth line is a text column, which indicates that text table A2 is referenced.

[0082] The fifth line is an input field, which indicates that the input content is to be recorded in CHK2.

[0083] The sixth line lists Button as the item type. This indicates that a clickable button will be displayed. The right column displays the text to be displayed on that button: "Next."

[0084] The insurance subscription integrated server device 20 generates the subscription application screen 1 having a message display field and an input field (step S64). In the message display field, the relevant message is obtained by referring to the message table A1 specified in the module A.

[0085] If the recommendation is from Bank β ​​and it is a general group life insurance (no joint liability, no bridge loan), a screen will be generated based on Module A using the wording 102 in FIG.

[0086] The insurance subscription integrated server device 20 transmits the generated subscription application screen 1 (important matter explanation screen) to the user's smartphone 40 (step S65). The smartphone 40 displays this on the touch display 43 (step S13).

[0087] 14 shows the membership application screen 1 (important matters explanation screen) displayed on the smartphone 40. A confirmation check box 106 is displayed following the wording 104 obtained from the wording table A1. Finally, a next button 110 is displayed. The wording 107 is obtained from the wording table A2 (not shown).

[0088] When the user confirms the contents, checks the check boxes 106 and 108, and then clicks the next button 110, the smartphone 40 transmits the contents of the variables to the insurance subscription integrated server device 20 (step S14).

[0089] In response to this, the insurance subscription integrated server device 20 records the input values ​​of the variables CHK1 and CHK2, and selects a module on the subscription application screen 2 (insurance content selection screen) (step S66). Since the insurance product is a general group life insurance, module B is selected from FIG. 10. Module B is also processed in the same way as module A above.

[0090] Thereafter, processing for the application screen 3 (confirmation of applicant information) is performed in a similar manner. Insurance application integrated server device 20 selects module C from Fig. 10. The contents of module C are shown in Fig. 15.

[0091] The first line is the variable NAMEKANJI, which displays "Insured Person's Name (Kanji)" and indicates that an input field should be provided. The second line is similar. The third line is the variable SEX, which indicates that a pull-down menu should be provided that allows the selection of male or female.

[0092] The row for the variable RENTAI displays "Whether or not there is joint liability" and provides buttons to select "No" or "Yes." It also displays that "Yes" is to be displayed as the initial value. Note that this display is only displayed for products with joint liability, as shown in the display conditions.

[0093] In this embodiment, the display screen changes regarding the presence or absence of joint liability and bridge financing are processed by setting display conditions within the same module as described above. However, these may be constructed as different modules.

[0094] 16 shows the membership application screen 3 (applicant information confirmation) displayed on the smartphone 40. The boxed portion 112 will not be displayed if the product does not have a joint liability. If the product has a joint liability, the "Yes" button 114 will be displayed and selected by default.

[0095] The process continues in the same manner, with the following steps: confirmation of intention (module I), notification selection 1 / 2 (module O), notification selection 2 / 2 (module P), notification detail input 1 / 2 (module R), notification detail input 2 / 2 (module T), medical certificate upload (module V), final confirmation screen (module W), application completion (module γ), and creation of a PDF of the notification and application form (module δ).

[0096] In addition, the insurance subscription integrated server device 20 may display the user information (name, loan amount, loan date, etc.) acquired from the bank server device in a pre-entered state on each of the above application screens.

[0097] When all the application screens have been sent to the smartphone 40 and the user has completed input and clicked the Complete button, the smartphone 40 transmits the input application data (data recorded in each variable) to the insurance subscription integrated server device 20 (step S21). The insurance subscription integrated server device 20 receives the application data and converts it into a format determined by the server device 50 of the insurance company to which the application is made (step S71).

[0098] For example, depending on the insurance company, the application date may be accepted in a format such as 2021 / 01 / 05, or in a format such as 2021.1.5. Also, the item names of each item differ depending on the insurance company. The insurance subscription integrated server device 20 has a table prepared in advance for performing such format conversion.

[0099] In this embodiment, the converted application data is in the same format as that given to the insurance company server device 50 when a bank employee previously applied to the insurance company server device 50. Therefore, in this system, the insurance company server device 50 that has been used conventionally can be used as is.

[0100] The insurance subscription integrated server device 20 transmits the format-converted application data to the server device 50 of the insurance company to which the application is made (step S72). At this time, a unique case ID is attached to each case and transmitted.

[0101] The insurance company server device 50 that receives the application data determines whether or not to accept the application through a predetermined process. The decision on whether or not to accept the application may be automated using AI or may be made by a human being who makes the decision and inputs the result.

[0102] Having acquired the result of the enrollment approval or disapproval, insurance company server device 50 transmits it together with the case ID to insurance subscription integrated server device 20. Insurance subscription integrated server device 20 receives the enrollment approval or disapproval (step S73) and records this in a predetermined location (URL) so that it can be accessed from bank terminal device 10 (step S74). Therefore, the bank staff can access insurance subscription integrated server device 20 by operating bank terminal device 10 and view the enrollment approval or disapproval.

[0103] Furthermore, insurance subscription integrated server device 20 transmits the result of the application to the user's email address (step S75). Therefore, the user who applied for insurance can know the result of the application by operating user terminal device 40 through the email program.

[0104] In this embodiment, as shown in Fig. 10, a module is provided for each stage of the application screen to carry out processing. This module is created depending on whether the input items and display items are the same or not. For example, on the applicant information confirmation screen, the input items and display items are different for each pattern of product, so a separate module is provided for each pattern. On the other hand, in notification selection 2 / 2, the input items and display items are the same for patterns 1, 3, 4, and 5, so the same module P is used for these. The input items and display items are the same for patterns 2 and 6, so the same module Q is used.

[0105] In addition, since the differences in input items and display items differ depending on the screen, the patterns in which modules are made common are changed for each screen.

[0106] Such modularization is efficient because even if the number of products increases and patterns increase, or screens are added, it is possible to deal with this by simply adding the required modules.

[0107] 3.3 Other (1) In the above embodiment, as shown in Fig. 10, modules are provided in a matrix of screens at each stage and input items and display items required for insurance products. However, a matrix of screens at each stage and input items may also be used. Also, a matrix of screens at each stage and display items may also be used. Furthermore, in each of these cases, modules may also be divided taking into account the display contents.

[0108] Also, as shown in FIG. 18, a template may be provided for each pattern, rather than modularizing each screen at each stage.

[0109] (2) In the above embodiment, the bank staff inputs whether or not there is joint liability and whether or not there is bridge financing. However, this may be selected by the user at the time of applying for insurance.

[0110] (3) In the above embodiment, insurance products are classified into patterns to determine which module to use, as shown in Fig. 10. However, it is also possible to determine which module to use on each screen for each product without classifying them into patterns.

[0111] (4) In the above embodiment, the invention is applied to a case where a user who applies for a housing loan to a bank applies for an insurance product in connection with the application.

[0112] However, the same principle can also be applied when a user who has made an offer to purchase a product (including tangible or intangible products or services) from a first company makes an offer to purchase a related product (including tangible or intangible products or services) from a second company in connection with the offer.

[0113] (5) In the above embodiment, the user terminal device is a smartphone. However, an ordinary PC, tablet, or the like may also be used as the user terminal device.

Claims

1. a user registration receiving means for receiving and recording user registration including user information including an email address of a user who has applied for a loan from the financial institution and recommended insurance product information selected from among a plurality of insurance products from the financial institution terminal device; a link information sending means for sending link information to the insurance subscription integrated server device to the email address of the user; an application acceptance means for accepting an insurance contract application for the insurance product selected based on the recommended insurance product information from a user terminal device that has accessed based on the link information; An application transmission means for transmitting the accepted insurance contract application to an insurance company server device; an admission decision receiving means for receiving admission decision from the insurance company server device; a joining permission / rejection recording means for recording the received joining permission / rejection so as to be viewable from a financial institution terminal device; a joining / non-joining sending means for sending the received joining / non-joining information to the user's email address; In an insurance subscription integrated server device comprising: the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan; The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution.

2. An insurance subscription integrated server program for implementing an insurance subscription integrated server device by a computer, the computer comprising: a user registration receiving means for receiving and recording user registration including user information including an email address of a user who has applied for a loan from the financial institution and recommended insurance product information selected from among a plurality of insurance products from the financial institution terminal device; a link information sending means for sending link information to the insurance subscription integrated server device to the email address of the user; an application acceptance means for accepting an insurance contract application for the insurance product selected based on the recommended insurance product information from a user terminal device that has accessed based on the link information; An application transmission means for transmitting the accepted insurance contract application to an insurance company server device; an admission decision receiving means for receiving admission decision from the insurance company server device; a joining permission / rejection recording means for recording the received joining permission / rejection so as to be viewable from a financial institution terminal device; In an insurance subscription integrated server program for functioning as a subscription yes / no sending means for sending the received subscription yes / no to a user's email address, the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan; The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution.

3. In the device of claim 1 or the program of claim 2, The application screen sending means patterns the display items or input items or both of the multiple insurance products, selects a pattern corresponding to the insurance product applied for, and sends a multiple-stage application screen divided according to the pattern, wherein, in each stage, an application screen is selected for each pattern, and the display wording in the application screen is changed according to the insurance product applied for and the financial institution.

4. In the device or program of claim 3, a template for generating a display screen in accordance with the patterning is modularized and recorded in the insurance subscription integrated server device; The device or program is characterized in that a wording table for wording to be inserted into the template is recorded for combinations of multiple insurance products and multiple financial institutions.

5. In the device or program according to claims 1 to 4, The application screen sending means is a device or program characterized in that it sends the application screen after filling in known user information in advance using the user information obtained by the user registration acceptance means from a financial institution server device.

6. An insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies, an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device; An application transmission means for transmitting the accepted insurance contract application to an insurance company server device; an admission decision receiving means for receiving admission decision from the insurance company server device; a joining permission / rejection recording means for recording the received joining permission / rejection so as to be viewable from a financial institution terminal device; a joining permission transmission means for transmitting the received joining permission / prohibition to a user terminal device; In an insurance subscription integrated server device comprising: the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan; The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution.

7. An insurance subscription integrated server program for implementing, by a computer, an insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies, the computer comprising: an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device; An application transmission means for transmitting the accepted insurance contract application to an insurance company server device; an admission decision receiving means for receiving admission decision from the insurance company server device; a joining permission / rejection recording means for recording the received joining permission / rejection so as to be viewable from a financial institution terminal device; an insurance subscription integrated server program for causing the server to function as a subscription possibility transmission means for transmitting the received subscription possibility to a user terminal device, the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan; The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution.

8. In the device of claim 6 or the program of claim 7, The application screen sending means patterns the display items or input items or both of the multiple insurance products, selects a pattern corresponding to the insurance product applied for, and sends a multiple-stage application screen divided according to the pattern, wherein, in each stage, an application screen is selected for each pattern, and the display wording in the application screen is changed according to the insurance product applied for and the financial institution.

9. The device or program of claim 8, a template for generating a display screen in accordance with the patterning is modularized and recorded in the insurance subscription integrated server device; The device or program is characterized in that a wording table for wording to be inserted into the template is recorded for combinations of multiple insurance products and multiple financial institutions.

10. In the device or program according to claims 6 to 9, The insurance subscription integrated server device includes a user registration receiving means for receiving and recording user registration including user information including an email address of a user who has applied for a loan from the financial institution and recommended insurance product information selected from among a plurality of insurance products from the financial institution terminal device; The application screen sending means is a device or program characterized in that it sends the application screen after filling in known user information in advance using the user information acquired by the user registration acceptance means from the financial institution terminal device.

11. An insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies, an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device; An application transmission means for transmitting the accepted insurance contract application to an insurance company server device; an admission decision receiving means for receiving admission decision from the insurance company server device; a joining permission / rejection recording means for recording the received joining permission / rejection so as to be viewable from a financial institution terminal device; a joining permission transmission means for transmitting the received joining permission / prohibition to a user terminal device; In an insurance subscription integrated server device comprising: The insurance subscription integrated server device is characterized in that the application receiving means has an application screen sending means for sending to the user terminal device an application screen patterned based on the combination of the insurance product for which the user is applying and the financial institution to which the user has applied for a loan.

12. An insurance subscription integrated server program for implementing, by a computer, an insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies, the computer comprising: an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device; An application transmission means for transmitting the accepted insurance contract application to an insurance company server device; an admission decision receiving means for receiving admission decision from the insurance company server device; a joining permission / rejection recording means for recording the received joining permission / rejection so as to be viewable from a financial institution terminal device; an insurance subscription integrated server program for causing the server to function as a subscription possibility transmission means for transmitting the received subscription possibility to a user terminal device, The insurance subscription integrated server program is characterized in that the application receiving means has an application screen sending means for sending to the user terminal device an application screen patterned based on the combination of the insurance product for which the user is applying and the financial institution to which the user has applied for a loan.

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