WO2003065266A1

WO2003065266A1 - Method for processing information on insurance money paying-in management

Info

Publication number: WO2003065266A1
Application number: PCT/JP2003/000816
Authority: WO
Inventors: Takuo Yoshimoto; Masato Hashiba; Katsuhiko Arita; Hiroyuki Shibuya; Shigeru Inaba; Kunio Seki; Koji Iwamoto; Hiroshi Fukuhara; Katsuhiro Ueda; Yoshiharu Ishihara
Original assignee: The Tokio Marine And Fire Insurance Co., Ltd.
Priority date: 2002-01-29
Filing date: 2003-01-29
Publication date: 2003-08-07
Also published as: JP4313207B2; JPWO2003065266A1

Abstract

A money collection factoring company (300) is established so that insurance fee is collected directly from a customer (100). In this case, the money collection factoring company (300) judges whether insurance money can be paid according to the paying-in date and registers it. If no money is paid in until the automatic contract annulment date, the money collection factoring company (300) notifies the automatic contract annulment to an insurance company (400). Thus, the insurance company (400) need not perform paying-in management. On the other hand, when no money is paid until the insurance start date, the money collection factoring company (300) may get an insurance fee bond from the insurance company (400) and collect insurance money from the customer (100). In principle, the insurance company (400) can handle all the insurances assuming that money is paid in until the insurance start date. However, a problem may be caused when an accident occurs, and the insurance company (400) notifies the occurrence of the accident to the money collection factoring company (300). It should be noted that when it is substantially impossible for all the customers (100) to transfer money directly to the money collection factoring company (300), an agent (200) receives an insurance fee in cash and promptly transfers it to the money collection factoring company (300). The agent (200) transmits receipt data to the money collection factoring company (300) before transferring money, so that the money collection factoring company (300) performs matching with the paid-in data. Moreover, matching is performed afterward with allocation data received later.

Description

Description Information processing method for insurance money deposit management.

[Technical field]

The present invention relates to an information processing technology related to collection of insurance premiums and insurance contract management. [Background technology]

In the past, insurance companies have accepted applications for insurance premiums through agents and intermediaries (hereinafter referred to as agents), and have also collected insurance premiums through agents. However, according to this insurance collection process, various problems occurred. For example, insurance premiums collected from policyholders are temporarily stored in bank accounts, etc., managed by agents, so there was a problem that insurance companies could not manage them thoroughly. Inefficiencies such as the need to have statutory books in the bank accounts etc. managed by the agency and the need to collect insurance premiums and confirm payments at both the agency and the insurance company There was also a sex problem. However, if the insurance company collects the premiums of the insurance contract received by the agency, the cost may be higher. In addition, when paying insurance claims in the event of an accident, insurance companies are required to pay for insurance claims, such as collecting insurance premiums by the first day of insurance.

For example, Japanese Patent Application Laid-Open Publication No. 2002-831337 discloses that an agent sends an insurance company to an insurance company a remittance amount obtained by subtracting the agent fee from the insurance premium for each insurance contract by various methods. Is disclosed. However, it does not consider the collection of premiums, nor does it consider whether or not insurance claims can be paid in connection with the collection of premiums.

[Disclosure of the Invention]

Thus, it has become necessary to separate the insurance collection business from the agency at low cost. For this purpose, it is preferable to use an insurance collection agency. On the other hand, It is also difficult to ask all collection customers to pay insurance premiums to collection agencies. Accordingly, an object of the present invention is to provide information processing technology necessary for implementing a service for collecting insurance premiums. Another object of the present invention is to provide an information processing technique necessary for smoothly executing a service for collecting insurance premiums even when an agency receives insurance premiums in cash. The information processing method relating to the insurance contract payment management according to the first aspect of the present invention includes the steps of: acquiring data relating to an insurance contract excluding insurance payment data, and registering the data in a storage device; Determining the due date of the premium based on the due date and registering it in the storage device, and associating the insurance premium deposit data obtained from the person who collected the premium with the insurance contract data, at least depositing Registering the date data in the storage device, and generating information on whether or not to pay insurance for each insurance contract from the relationship between the payment date or the unpaid state and at least the payment date, and the insurance payment to be registered in the storage device. Determination step.

In this way, the payment information is obtained from the collection agency, and the insurance company generates information on whether or not the insurance payment is possible based on the information, or the collection agent generates the information on whether or not the insurance payment is possible. In this way, insurance companies will be freed from managing insurance premiums, and will be able to obtain information on whether they can pay insurance claims in the event of an accident, etc. Is done. The collection agency can obtain insurance premium collection fees and compensation for services provided by this information processing from the insurance company. In addition, in the due date determination step described above, an automatic contract termination date in the case of non-payment of insurance premiums is determined based on the insurance contract data and registered in the storage device. Steps to extract insurance contracts not registered as days May be further included. Further, in the first aspect of the present invention, a step of obtaining accident reception data including information on the accident date, and any combination of the insurance start date and the insurance contract recording date included in the accident and insurance contract data And extracting an insurance contract in which at least one of the relations satisfies a predetermined condition. For example, if the date of the accident is earlier than the date of accounting or the date of accounting is later than the start date of insurance, there is a possibility that fraud has occurred and it is necessary to conduct a specific investigation . Such processing can also be performed after the insurance company has acquired the data on payment from the collection agency that holds the data on payment, or it can be performed by the collection agency. In the insurance payment decision step described above, based on the relationship between the payment date or unpaid status, the payment due date and the automatic contract termination date, the insurance claims can be paid until the payment date and the automatic contract termination date from the payment date. May be determined. For example, if the deposit has not been received by the due date, the insurance premium will not be paid if an accident occurs by the due date Θ. If an accident occurs after the payment due date and before the automatic contract cancellation date, for example, the insurance payment will be suspended until payment is made by the automatic contract cancellation date. If payment is made before the automatic cancellation S, it is determined that insurance payment is possible. The information processing method related to insurance contract management according to the second aspect of the present invention obtains data related to an insurance contract including insurance start date excluding payment data of insurance premiums, and registers the data in an insurance contract data storage unit. Steps: a step of associating the insurance deposit data obtained from the person who collected the insurance premium with the insurance contract data, and registering at least the data of the payment date in the insurance contract data storage unit; Unpaid insurance contracts that have not been paid by the specified date set based on the relevant information are extracted, and the information that specifies the unpaid insurance contracts is stored in the storage device as insurance contracts related to the transfer of premium receivables. Steps.

In the first aspect of the present invention, the insurance company commissions a collection agency to collect insurance premiums. However, in the second aspect of the present invention, if the deposit has not been received by the date set based on the beginning of insurance, the collection agency will take over the insurance premium from the insurance company. . In this way, the insurer does not have to manage payments for individual insurance contracts, but can simply assume that the liability period starts from the insurance start date. The collection agency can take over the premium claims, collect the premiums directly from the policyholders, and use the difference between the premiums and the receivables price as their income. Further, in the second aspect of the present invention, the step of determining the due date of the premium based on the insurance contract data and registering the date in the insurance contract data storage unit includes the step of: Extracting a second unpaid insurance contract that is not registered as an insurance contract, and storing information specifying the second unpaid insurance contract in a storage device as a reminder insurance contract. When the insurance claim is transferred, the collection agency must collect insurance premiums at its own risk.Therefore, set a due date and identify insurance contracts that will not be deposited by the due date. This is to urge the person to pay the insurance premium. Further, in the second aspect of the present invention, the method may further include a step of storing data of a required recovery amount in a storage device in response to an insurance contract relating to the transfer of an insurance premium. Further, in the second aspect of the present invention, a step of determining an automatic contract termination date in the case of no payment of insurance premiums based on the insurance contract data, and registering the date in the insurance contract data storage unit, Extracting a third unpaid insurance contract whose date has not been registered as a deposit date, and storing information identifying the third unpaid insurance contract in a storage device as an insurance contract for contract cancellation. Well ,. If the insurance premium is not paid even after the automatic contract cancellation date, there is no need to keep the insurance contract valid, so the insurance contract to be canceled is specified and the cancellation procedure is performed for the specified insurance contract To do that. Further, the method may further include a step of registering the data of the required recovery amount corresponding to the third unpaid insurance contract in response to the automatic cancellation confirmation. This is because if you cancel automatically, there may be a cancellation refund, and the actual amount to be collected from the policyholder may change. Further, in the second aspect of the present invention, a step of acquiring accident reception data including information on the accident date, and any combination of the accident start date and the insurance contract recording date included in the accident date and the insurance contract data. Extracting at least one insurance contract satisfying a predetermined condition. This will allow you to identify suspicious insurance contracts that need to be investigated. The information processing method relating to the insurance payment management according to the third aspect of the present invention relates to a method for collecting cash receipt data relating to cash receipt of insurance premiums from a customer and including a method of remittance from the cash receiver (for example, an agency). Receiving the insurance contract data that is the basis of the cash receipt; generating received payment data from the received cash receipt data and registering the data in a storage device; and transmitting the insurance premium from the cash receiver. A payment confirmation step of associating the payment data obtained from the designated person with the payment schedule data and registering at least data indicating that payment has been completed in the storage device, and obtaining data on the insurance contract excluding the insurance payment data, The step of registering in the storage device, the data relating to the insurance contract (for example, the accounting data in the embodiment) and the data indicating that payment has been completed are registered. When the prescribed condition is satisfied (for example, when the insurance fee amount and the received amount match), the data indicating that the insurance payment is possible is registered in the storage device. Steps. For example, if an agent collects insurance premiums from a customer in cash and remits them each time, it needs data for matching with deposit data from financial institutions, etc., so it receives cash receipt data in advance Then, the expected payment data is generated from the cash receipt data. In addition, for example, a computer of a collection agency company has data on insurance contracts. In many cases, the data cannot be received immediately, so it is necessary to match the expected payment data, which has been determined to have been received, with the insurance contract data later. For example, if the collection agency manages whether or not insurance payments can be made, the insurance contracts that have been found to have an appropriate correspondence with the scheduled payment data that has been determined to have been paid as described above Are registered as those who can pay the insurance money, and prepare for the occurrence of accidents. If the remittance method described above is an extreme loan payment, the data for the loan equivalent to the insurance premium is generated, and the data for the loan is transmitted to the computer of the lending company. It may include further steps. This is because remittance and debit card payments cannot be used if there is no balance in the account, so it may be necessary to make an extreme loan payment. An extreme loan refers to a loan that is executed for an arbitrary amount within a predetermined amount. Here, it is assumed that the loan includes a credit card transfer or a loan transfer. Also, if the remittance method described above is a store payment, the method further includes the step of generating a bar readable data in the store and transmitting the data to a terminal of a cash collector (for example, a mobile phone of an agency). Is also good. For example, it is burdensome for an agent as a cash collector to carry various types of terminal devices, so it is necessary to distribute barcode data to widely used mobile phones, for example, and send money at convenience stores. Is to be able to do.

In addition, the above-described payment confirmation step may further include a step of extracting payment target data to be processed based on the data from the source of the payment data and the data on the remittance method included in the payment schedule data. By using the data of the remittance method specified in advance, it becomes easy to extract the corresponding payment schedule data. Further, the above-described deposit confirmation step may further include a step of generating notification data to the cash receiver when the deposit data corresponding to the deposit scheduled data is not obtained. If the deposit amount is different or if the deposit is made This is to detect such cases and warn them. In addition, the method further includes a step of outputting at least the scheduled payment data among the data relating to the insurance contract that does not satisfy the predetermined condition and the scheduled payment data in which corresponding data indicating that payment has been registered. For example, if the amount of premium included in the insurance contract data or the amount of premium included in the expected payment data is incorrect, it is necessary to correct the error, and therefore, the data described above must be corrected. is necessary. The terminal device according to the fourth aspect of the present invention includes a means for issuing a receipt including an insurance premium amount, a customer name and a security number, and a means for selecting and presenting a method for remitting an insurance premium from a premium receiver. And the cash receipt data including the selected premium remittance method data, premium amount data, customer name data, security number, and premium collector data. And means for transmitting the data before and separately from the insurance contract data on which the insurance contract is based. Also, the remittance method of the selectable premium may be selected in advance based on the remittance fee. The information processing method described above can be implemented by a program and a computer, and the program is executed by a storage medium or storage device such as a flexible disk, a CD-ROM, a magneto-optical disk, a semiconductor memory, and a hard disk. It is stored in It may also be distributed as digital signals over networks. Intermediate processing results are temporarily stored in memory.

[Brief description of drawings]

FIG. 1 is a flowchart of procedures and processes according to a first embodiment of the present invention. FIG. 2 is a flowchart of a procedure and processing according to a second embodiment of the present invention. FIG. 3 is a flowchart of procedures and processes according to a third embodiment of the present invention. Fig. 4 is a detailed flow chart of the exchange between the customer and the collection agency.

FIG. 5 is a flowchart of procedures and processes according to a fourth embodiment of the present invention. FIG. 6 is a system schematic diagram in an embodiment of the present invention.

FIG. 7 is a diagram showing a processing flow (first part) in the first and second embodiments of the present invention.

FIG. 8 is a diagram showing an example of payment schedule data.

FIG. 9 is a diagram showing an example of deposit data.

FIG. 10 is a diagram showing a processing flow (second part) in the first and second embodiments of the present invention.

FIG. 11 is a diagram showing a processing flow (third part) in the first and second embodiments of the present invention.

FIG. 12 is a diagram showing a processing flow (fourth part) in the first and second embodiments of the present invention.

FIG. 13A is a diagram showing an example of a part of data stored in a deposit management database.

FIG. 13B is a diagram showing an example of a part of data stored in the deposit management database.

FIG. 14 is a diagram showing a processing flow (fifth part) in the first and second embodiments of the present invention.

FIG. 15 is a diagram showing a processing flow (first part) in the third embodiment of the present invention.

FIG. 16 is a diagram showing a processing flow (second part) in the third embodiment of the present invention.

FIG. 17 is a diagram showing a processing flow (third part) in the third embodiment of the present invention.

FIG. 18 is a view showing a processing flow (first part) in the fourth embodiment of the present invention.

FIG. 19 is a diagram showing an example of a part of data stored in the deposit management database in the fourth embodiment of the present invention.

FIG. 20 is a diagram showing a processing flow (second part) in the fourth embodiment of the present invention. FIG. 21 is a diagram showing a processing flow (third part) in the fourth embodiment of the present invention.

[Best mode for carrying out the present invention]

1. Example 1

The procedure and processing according to the first embodiment of the present invention will be outlined with reference to FIG. This example shows the first case in which an agent receives insurance premiums in cash from a customer (insurer).

Agent 200 creates an insurance contract application form based on the interaction with customer 100, asks customer 1000 to sign and seal the application form, and submits the signed and sealed application form. Accept. Also, fill out and stamp the account transfer request form (a document requesting a financial institution to transfer insurance premiums from a customer-specified bank account, etc., here to an insurance collection agency account). Request, fill out, and accept the submission of the fund transfer request form after sealing (step (1)). Note that the preparation of the fund transfer request form is optional and can be omitted (the same applies hereinafter). In this case, the agent 200 asks the customer 1000 to specify the insurance premium payment method ( Step (2)). Here, it is assumed that payment by cash is specified. In such a case, the insurance premium will be received in cash along with the application form (Step (3)). For example, the agency 200 has a dedicated terminal for the agency that has a receipt issuing function, various settlement functions, and a communication function with the collection agency, and issues a receipt using the dedicated agent terminal. (Step (4)). Receipts include information such as date of receipt, customer name, insurance premium, and security number.

The agent 200 selects a remittance method for remitting the insurance premium received from the customer 100 to the collection agency, and inputs the method into the agent dedicated terminal. In this embodiment, the remittance must be remitted each time the insurance premium is received, so the remittance fee becomes a large burden. Therefore, the remittance method is low in remittance fee, net bank transfer, debit card payment, convenience store payment, extreme loan payment (including credit card payment. The first and second in the following) In the embodiment, a case in which the use of a credit card is selected is shown as an example of extreme lending.), And a method such as transfer within the same branch of the bank is selected. However, the remittance method set in advance It is also possible to fix to. Here, it is assumed that either debit card payment, bank transfer such as Internet bank transfer, or combination store payment is selected. The agent-dedicated terminal issues a receipt and collects the receipt data including the customer name, insurance amount, certificate number, agency code (or agency name), remittance method, and receipt 3 data. 0 is sent to the computer (step (5)). The computer of the collection agency 300 receives the receipt data from the terminal dedicated to the agency, generates payment schedule data, and registers it in, for example, a payment management database (DB) (step (6)). The receipt data may be transmitted to the computer of the collection agency 300 by using a general-purpose terminal such as a personal computer instead of the terminal dedicated to the agency. Alternatively, the receipt data may be notified to the collection agency 300 by telephone, and the receipt data may be input to the computer of the collection agency 300 by voice recognition processing or the like. In addition, a fax or the like may be used.

The agent 200 sends the receipt data from the agent-dedicated terminal to the computer of the collection agency 300, and performs operations in accordance with the selected remittance method to the collection agency 300. Is sent to the financial institution 500, etc. (step (7)). In the case of debit card payment, a cash card, which is a debit card, is passed through a card reader of a dedicated agent terminal, a password is input, and payment information is transmitted to a 500 computer such as a financial institution. The computer of the financial institution 500 transfers the insurance fee amount from the account of the agency 200 to the account of the collection agency company 300 by a known method (step (8)). In the case of payment at a convenience store, the agency dedicated terminal prints and outputs at least a bar code indicating the agency code and the insurance fee. The agent 200 takes the payment form on which the barcode is printed to a convenience store and pays the insurance premium. In the case of convenience store payment, convenience stores also function as financial institutions 500, and when insurance premiums are received from agents 200, for example, the convenience store headquarters Pay to the specified account (step (8)). In the case of Internet bank transfer, for example, a dedicated agent terminal accesses the bank site via the Internet, logs in according to the key input of the agent 200, and collects money from the account of the agent 200 according to a predetermined procedure. Instruct the transfer of insurance fee amount to the account of agency company 300 You. The computer of the bank at 500, such as a financial institution, transfers the insurance fee from the account of the agency 200 to the account of the collection agency 300 (step (8)). In the case of normal transfer, the agency 200 operates an ATM (Automatic Teller Machine) such as a bank, and collects money from the agency 200's account or with cash put into the ATM 3 Instruct the transfer of the insurance fee amount to the account of 0 0. The computer of the bank, which is a financial institution 500, transfers the insurance premium amount from the account of the agency 200 to the account of the collection agency 300 (step (8)).

The computer of the financial institution 500 sends the deposit data to the computer of the collection agency 300 at an arbitrary timing or in response to a request from the computer of the collection agency 300 (step (9) ). The collection agency 300 receives the deposit data and stores it in the storage device. Then, matching processing between the payment schedule data and the payment data is performed (step (10)). In this matching process, the remittance method corresponding to the source of the deposit data is specified, and the remittance schedule data includes the remittance method. Therefore, the remittance method narrows down the remittance schedule data to be matched. Then, by comparing the depositor name and deposit amount included in the deposit data with the agent code or the agency name and the insurance fee amount included in the scheduled deposit data, the expected deposit data corresponding to the deposit data is extracted. . Data indicating that payment has been confirmed is registered in the payment schedule data from which the corresponding payment data has been extracted.

On the other hand, the agency 200 sends the insurance contract application form and the fund transfer request form to the insurance company 400, and also transmits the accounting data (data on the insurance contract) from the agency 200 computer. It is transmitted to the insurance company computer 400 (step (1 1)). In some cases, the accounting data may not be generated by some agents 200, and the insurance company 400 may generate the accounting data based on the insurance contract application form. The insurance company 400 receives the application form from the agent 200 and the computer of the insurance company 400 receives the accounting data from the computer of the agent 200. Then, the computer of the insurance company 400 registers the accounting data in the insurance contract DB after performing predetermined confirmation processing and the like, and executes the accounting processing (step (12)). After the accounting process is performed, the computer of the insurance company 400 transmits the accounting data to the computer of the collection agency company 300 at an arbitrary timing (step (13)). Collection The computer of the agency company 300 receives the accounting data and registers it, for example, in the payment management DB. In addition to the accounting data, an account transfer request form, etc. will also be sent. Then, the computer of the collection agent 300 executes matching processing between the accounting data and the payment-scheduled payment-scheduled data (step (14)). Since the scheduled payment data includes the data of the security number, the correspondence is made using the security number included in the accounting data. Furthermore, the insurance fee amount included in the expected payment data and the insurance fee amount included in the recorded data are compared. If the insurance charges are the same in both data, the data indicating the date of receipt of the insurance premium and the payment of insurance money is additionally registered in the accounting data stored in the payment management DB. On the other hand, if the insurance premiums do not match between the two data, there is a possibility that there is a problem with the preservation amount of the recorded data, or there is a problem with the expected payment data, or both. Therefore, at least the payment schedule data is prepared as confirmation data and transmitted to the computer of the insurance company 40 ° (step (15)). The computer of the insurance company 400 receives the confirmation data from the computer of the collection agency 300, and the person in charge of the insurance company 400 checks and investigates based on the scheduled payment data and the recorded data (step ( 16)). If a correction is necessary, the corrected accounting data and the like are transmitted to the collection agency 300, and the collection agency 300 updates the accounting data, adds premiums, or returns the insurance. In the case of reimbursement, the payment schedule data for the reimbursement is generated, and when the reimbursement data is received, the payment date of the reimbursement premium is registered in accordance with the recorded data. Whether or not to pay the insurance money may be determined depending on, for example, the payment date of the added premium. If there is a refund, it will be refunded to the account specified in the fund transfer request form, for example.

For example, the collection agency 300 performs settlement processing of the insurance premium received, the agency commission to be paid to the agency 200, and the commission of the collection agency 300 at predetermined intervals (step) (17)). In other words, subtract the agency commission paid to the agency 200 from the insurance premium received and the commission of the collection agency 300 to determine the amount to be paid to the insurance company 400, and generate detailed statement data for settlement. And send to insurance company 400. Also, remit the calculated amount to the separate insurance company 400. Further, the agency fee is calculated for each agency during a predetermined period, detailed data of the commission is generated, and sent to the agency (step (18)). Also, send the agency commission separately to agency 200 Give money.

Although not shown, the collection agency 300 also carries out collection processing at the time of renewal of the insurance contract, registration of the transfer of the insurance contract, and processing of the addition or return of the insurance premium. Also, if any inconsistency is found in the agency commission, the collection agency 300 will eventually settle the difference. If the cause of the inconsistency in agency fees is in the booked data, procedures such as requesting insurance company 400 to correct the booked data will be implemented. By performing such procedures and processes, even when introducing a collection agency 300, it is possible to smoothly perform immediate settlement.

2. Example 2

The procedure and processing according to the second embodiment of the present invention will be outlined with reference to FIG. This example illustrates a second case in which the agency receives insurance premiums in cash from a customer (policy policyholder).

Agent 200 creates an insurance contract application form based on the interaction with customer 100, requests customer 100 to sign the application form and seals it, and submits the signature form and application form after sealing. Accept. At the same time, the applicant is requested to fill out and seal the debit transfer request form, and accept submission of the account transfer request form after filling out and sealing (step (2 1)). At this time, the agent 200 asks the customer 100 to specify the insurance payment method (step (2 2)). Here, it is assumed that cash payment is specified. In this case, the insurance premium is received in cash together with the application form (step (23)). For example, the agency 200 has an agency dedicated terminal as described in the first embodiment, and issues a receipt using the agency dedicated terminal (step (24)). Receipts include information such as the date of receipt, customer name, insurance premium, and security number.

Also, the agent 200 selects a remittance method for remitting the insurance premium received from the customer 100 to the collection agency, and inputs it to the agent dedicated terminal. Here, it is assumed that credit card payment, which is an example of extreme loan payment, is selected. Agent-only terminals issue receipts and provide customer names, insurance fees, securities numbers, The receipt data including the data (or the name of the agency), the remittance method, and the date of receipt are transmitted to the computer of the collection agency 300 (step (25)). The computer of the collection agency 300 receives the receipt data from the terminal dedicated to the agency, generates payment schedule data, and registers it in, for example, the payment management DB (step (26)). The receipt data may be notified to the computer of the collection agency 300 by using a general-purpose terminal such as a personal computer or by telephone instead of the terminal dedicated to the agency. In that case, the receipt will be a handwritten receipt.

When the remittance method is credit card payment, the computer of the collection agency 300 generates loan data including the credit card number and insurance amount of the pre-registered agent 200, and the credit card company 500 Send to computer (step (27)). Note that the credit card number of the agency 200 may be included in the receipt data, and the credit card number received from the agency dedicated terminal may be used. The computer of the credit sales company 510 receives the loan data from the collection agency 300's computer and stores it in the storage device. The credit sales company 510 executes the financing if there is no problem after confirming the credit to the agency 200, and registers the financing data in, for example, the financing DB (step (28)). The consumer of the credit company 510 sends a remittance instruction to the computer of the bank 520 in order to transfer the funds loaned from the account of the credit company 510 to the account of the collection agency 300 ( Step (29)). The computer of the bank 520 executes the remittance process according to the remittance instruction. In addition, the computer of the credit sales company 510 sends the deposit data as a result of executing the loan at any time or in response to a request from the computer of the collection agency 300, and the computer of the collection agency 300, (Step (30)). The collection agency 300 receives the deposit data and stores it in the storage device. Then, a matching process is performed between the payment schedule data and the payment data (step (31)). In this matching process, the depositor name (or agency code specified from the credit card number, etc.) and deposit amount included in the deposit data, the agent code or agency name, and the insurance fee included in the scheduled deposit data By comparing with the amount, the expected payment data corresponding to the received data is extracted. Data indicating that payment has been confirmed is registered in the payment schedule data from which the corresponding payment data has been extracted. On the other hand, the agency 200 sends the insurance contract application form and the fund transfer request form to the insurance company 400, and also transmits the accounting data (data on the insurance contract) from the agency 200 computer. It is transmitted to the insurance company computer 400 (step (32)). The insurance company 400 receives the application form from the agent 200 and the computer of the insurance company 400 receives the accounting data from the computer of the agent 200. Then, the computer of the insurance company 400 registers the accounting data in the insurance contract DB after performing predetermined confirmation processing and the like, and executes the accounting processing (step (33)). After the accounting process is performed, the computer of the insurance company 400 transmits the accounting data to the computer of the collection agency company 300 at an arbitrary timing (step (34)). The computer of the collection agency company 300 receives the accounting data and registers it in, for example, the payment management DB. In addition to the accounting data, an account transfer request form, etc. will also be sent. Then, the computer of the collection agent 300 executes matching processing between the accounting data and the payment-scheduled payment-scheduled data (step (35)). Since the scheduled payment data includes the data of the security number, the correspondence is made using the security number included in the accounting data. Furthermore, the insurance fee amount included in the expected payment data and the insurance fee amount included in the recorded data are compared. If the insurance charges are the same in both data, the data indicating the date of receipt of the insurance premium and the payment of insurance money is additionally registered in the accounting data stored in the payment management DB. On the other hand, if the insurance fee amounts do not match between the two data, there is a possibility that there is a problem with the insurance fee amount of the recorded data, or there is a problem with the expected payment data, or both. Therefore, at least the payment schedule data is prepared as confirmation data and transmitted to the computer of the insurance company 400 (step (36)). The computer of insurance company 400 receives the confirmation data from the computer of collection agency 300, and the person in charge of insurance company 400 confirms and investigates it based on the expected payment data and the recorded data. Step (3 7)). If a correction is required, the corrected accounting data and the like are sent to the collection agency 300, and the collection agency 300 updates the accounting data, adds premiums, or returns the insurance. In the case of reimbursement, the payment schedule data for the reimbursement is generated, and when the reimbursement data is received, the payment of the reimbursement premium is registered in accordance with the recorded data. Whether to pay the insurance money may be determined depending on the payment date of the additional premium. Please note that the refund In some cases, refunds will be made, for example, to the account specified in the fund transfer request form.

For example, the collection agency 300 performs settlement processing of the insurance premium received, the agency commission to be paid to the agency 200, and the commission of the collection agency 300 at predetermined intervals (step) (3 8)). In other words, subtract the agency commission paid to the agency 200 from the insurance premium received and the commission of the collection agency 300 to determine the amount to be paid to the insurance company 400, and generate detailed statement data for settlement. And send to insurance company 400. Also, remit the calculated amount to the separate insurance company 400. Further, the agency fee for each agency during a predetermined period is calculated, detailed data of the commission is generated, and sent to the agency (step (39)). In addition, remit the agency commission to agency 200 separately.

On the other hand, the credit sales company 510 requests the repayment of the loaned funds to the agency 200 based on the loan data (step (40)). The agency 200 repayes the loan provided to the credit company 510 (step (4 1)).

Although not shown, the collection agency company 300 also carries out collection collection at the time of renewal of the insurance contract, registration of a change in the insurance contract, and addition or return of the insurance premium. Also, if any inconsistency is found in the agency commission, the collection agency 300 will eventually settle the difference. If the cause of the inconsistency in the agency commission is in the booked data, procedures such as requesting insurance company 400 to correct the booked data will be implemented. By performing such procedures and processes, even when introducing a collection agency 300, it is possible to smoothly perform immediate settlement.

3. Example 3

The procedure and processing according to the third embodiment of the present invention will be outlined with reference to FIG. This embodiment shows the first case where the customer pays the insurance premium directly to the collection agency. Agent 200 creates an insurance contract application form by interacting with customer 100, asks customer 100 to sign and seal the application form, and receives the signature and application form after signature and seal. wear. At the same time, it is also required to fill out and seal the fund transfer request form, and accept the submission of the account transfer request form after filling out and sealing (step (5 1)). At this time, the agency 200 The customer 100 is asked to specify the insurance payment method (step (5 2)). Here, it is assumed that the customer 100 has selected a method of directly paying insurance premiums to the collection agency 300. Note that the customer 100 may apply for an insurance contract directly to the insurance company 400. The agent 200 that accepted the application for the insurance contract generates insurance contract recording data, including the contents of the insurance contract related to the application, and uses the computer of the agent 200 to obtain the insurance company 400 Send the above accounting data to the computer. Also, the insurance contract application form and the fund transfer request form are sent to the insurance company 400 (Step (53)). In some cases, the insurance company may generate accounting data based on the insurance company's 400 S, based on the insurance contract application received. When the computer of the insurance company 400 receives the accounting data from the computer of the agent 200, the computer of the insurance company 400 performs the accounting processing of the insurance contract using the accounting data (step (54)). That is, information such as accounting data is registered in the insurance contract DB. Next, the computer of the insurance company 400 sends the accounting data to the computer of the collection agent company 300 (step (55)). The fund transfer request form is also sent to the collection agency 300. In some cases, this fund transfer request form is sent directly from the agency 200 to the collection agency 300. When the computer of the collection agency 300 receives the accounting data, it registers it in the payment management DB, generates payment term data, and registers it in the payment management DB or the like (step (56)). The term of payment includes not only the due date of the premium but also the date of automatic cancellation of the contract. These dates are determined based on the start of insurance, the type of insurance, and the payment method (one-time payment, monthly payment, semi-annual payment, etc.).

The collection agency 300 may request the customer 100 to pay insurance premiums based on the accounting data and the generated payment deadline data, or the agent 200 etc. May be presented to the customer 100, and the customer 100 voluntarily deposits the money. The method of payment is arbitrary, and bank transfer including Internet bank transfer, postal transfer, convenience store payment, credit card payment and other methods can be used. You can also use automatic debit. The customer 100 instructs the financial institution 500 or the like to remit insurance premiums by any method (step (57)). The financial institution 500 sends the insurance premium to the account of the collection agency 300 in accordance with the instruction from the customer 100 (step (58)). In addition, here, 500 Includes banks, credit card companies (or credit companies), post offices, convenience stores, etc. The computer of the financial institution 500 sends the deposit data to the account of the collection agency 300 at an arbitrary timing or in response to a request from the computer of the collection agency 300 (step (5 9 )). The computer of the collection agency 300 receives the deposit data from the computer of the financial institution 500 or the like, and stores it in the deposit data storage unit or the like. Then, the computer of the collection agency 300 performs a payment collation process for associating the payment data with the accounting data stored in the payment management DB (step (60)). In other words, it specifies which insurance contract the deposit is for and registers the deposit data in the deposit management DB. With regard to deposits that cannot be matched, it is necessary to separately confirm what kind of deposits are and what the excess and deficiency amounts are. For the matched deposit, calculate the amount paid to the insurance company 400 by subtracting the agency commission and the commission of the collection agency 300 from the paid insurance premium.Detailed data for each insurance contract Execute the checkout process to generate (Step (61)). The remittance of the payment amount will be performed separately.

Next, the computer of the collection agency 300 performs payment term confirmation processing based on the information of the payment date and the automatic contract cancellation date registered in the payment management DB and the payment date or the unpaid status (step (6) 2)). More specifically: (a) For insurance contracts that have a deposit date before the due date, an insurance payment is set. (B) For insurance contracts for which no payment has been made before the due date, a hold will be set for insurance payments for accidents up to the due date. (C) For insurance contracts whose payment date is recorded between the payment due date and the automatic contract cancellation date, payment cannot be made from the insurance start date to the payment due date and the insurance payment will be made after the payment due date. Set OK. In addition, (d) insurance contracts for which no deposit has been recorded between the payment due date and the automatic contract cancellation date cannot be paid from the insurance start date until the payment due date, and the insurance payment will be suspended after the payment due date. Set. (E) For insurance contracts with S up to the date of automatic contract cancellation and for which no payment date has been recorded, insurance payment will not be allowed until payment period 3 and beyond.

Fig. 4 details the flow of procedures from the conclusion of an insurance contract to the automatic cancellation of the contract. Customer 100 submits the insurance contract application form 410 to the agency 200 with the conclusion of the insurance contract. Put out. At this time, for example, the agent 200 gives the insurance bill 4 11 1 to the customer 100. Here, it is assumed that the due date of the insurance premium is set, for example, after a predetermined number of days (for example, 14 days) from the contract conclusion date. However, it may be determined by another method. The insurance contract accounting data 4 12 is transmitted from the computer of the insurance company 400 to the computer of the collection agency 3 0 0. If customers send insurance premiums to the collection agency by the date of payment, and the due date, then the collection agency at a predetermined timing will pay the insurance fee, commission, etc. To the insurance company 400. On the other hand, for example, if payment cannot be confirmed within one week from the contract conclusion date, the collection agency 300 may send the insurance payment guide 4 13 to the customer 100. If the payment is before the due date, there is no problem even if remittance is made in accordance with this insurance payment guide 4 13 and it will be treated as a normal deposit, and when the deposit is confirmed, a payment confirmation notice 4 1 4 is sent from collection agency 300 to customer 100. Also, if the payment of the insurance premium is confirmed by the due date, the insurance money will be paid from the start date of the insurance. On the other hand, if the payment of the insurance premium cannot be confirmed by the due date, the collection agency 300 sends a notice of cancellation notice 4 15 (dunning notice) to the customer 100. There is a grace period from the payment due date to the automatic cancellation B, for example, 14 days. If insurance premiums are not paid by the due date, no claims will be paid for accidents by the due date. If insurance claims are paid within this grace period, insurance claims will be paid for accidents after the due date. If payment cannot be confirmed by the automatic contract cancellation date, the collection agency 300 sends a contract cancellation notice 4 16 to the customer 100. The contract is canceled retroactively at the beginning. Regarding the second and subsequent payment of insurance premiums and renewal of the contract, the number of notifications may differ, but the treatment is almost the same.

As described above, the processing result of the payment due date confirmation processing is transmitted from the computer of the collection agency 300 to the computer of the insurance company 400 (step (63)). It should be noted that the payment deadline and whether or not insurance payment is described above are examples, and another scheme may be used. Also, as shown in Fig. 4, if there is no payment of insurance premiums, a reminder of payment is carried out as appropriate (step (65)).

When the computer of the insurance company 400 receives the processing result of the payment deadline confirmation processing, it stores it in, for example, the payment status management DB. And when we actually receive the accident notice Is used to determine whether or not to pay insurance money. In addition, in the payment expiration confirmation process performed on the computer of the collection agency 300, the insurance contract for which the payment date is not recorded as of the date up to the automatic contract cancellation S is separately subject to the automatic cancellation target insurance contract. Identify as. Then, the information of the insurance contract subject to automatic cancellation is transmitted from the computer of the collection agency 300 to the computer of the insurance company 400 (step (64)), and the computer of the insurance company 400 executes the insurance contract. Update the data. In other words, register the automatic cancellation (for example, the automatic cancellation date) for the insurance contract that should be automatically canceled.

Also, the computer of the collection agency 300 calculates the agency commission for each agency during a predetermined period, generates detailed data of the commission, and sends it to the agency (step (66)). In addition, remit the agency commission to agency 200 separately. In this way, the insurance company 400 can obtain the necessary information such as whether or not to pay the insurance money and the automatic cancellation from the collection agency company 300 without directly managing the presence or absence and timing of payment. become. With these services, the collection agency 300 can earn money from the insurance company 400 by paying for it.

4. Example 4

The procedure and processing according to the fourth embodiment of the present invention will be outlined with reference to FIG. This embodiment shows a second case in which the customer pays the insurance premium directly to the collection agency. Agent 200 creates an insurance contract application form by interacting with customer 100, asks customer 100 to sign and seal the application form, and receives the signature and application form after the seal. wear. At the same time, it is required to complete and seal the fund transfer request form, and the submission of the account transfer request form after filling and sealing is accepted (step (71)). At this time, the agent 200 asks the customer 100 to specify the insurance payment method (step (72)). Here, it is assumed that the customer 100 has selected a method of directly paying insurance premiums to the collection agency 300. Note that the customer 100 may apply for an insurance contract directly to the insurance company 400.

The agency 200 that accepted the application for the insurance contract The accounting data including the contents is generated, and the accounting data is transmitted from the computer power of the agency 200 to the computer of the insurance company 400. The insurance contract application form and the fund transfer request form are sent to insurance company 400 (step (73)). In some cases, insurance company 400 may generate generated data based on insurance policy applications received. When the computer of the insurance company 400 receives the accounting data from the computer of the agent 200, the computer of the insurance company performs accounting processing of the insurance contract using the accounting data (step (74)). That is, information such as accounting data is registered in the insurance contract DB. Next, the computer of the insurance company 400 transmits the accounting data to the computer of the collection agency company 300 (step (75)). The fund transfer request is also sent to the collection agency 300. In some cases, this fund transfer request form is sent directly from the agency 200 to the collection agency 300. Upon receipt of the accounting data, the computer of the collection agency company 300 registers the data in the payment management DB, generates payment term data, and registers the data in the payment management DB (step (7)

6)). The term of payment here includes not only the due date S of the premium but also the date of automatic cancellation of the contract. These dates are determined based on the start of insurance, the type of insurance, and the payment method (one-time payment, monthly payment, semi-annual payment, etc.).

The collection agency 300 may request the customer 100 to pay insurance premiums based on the accounting data and the generated payment deadline data, or the agent 200 etc. May be presented to the customer 100, and the customer 100 voluntarily deposits the money. The method of deposit is optional, and can be bank transfer, including Internet bank transfer, postal transfer, convenience store payment, extreme loan payment (including credit card payment), automatic account transfer, and other methods. The customer 100 instructs the financial institution 500 to remit insurance premiums by any method (step (7)

7)). The financial institution 500 sends the insurance premium to the account of the collection agency 300 in accordance with the instructions from the customer 100 (step (78)). Here, financial institutions, etc.

0 includes banks, credit card companies (or credit companies), post offices, convenience stores, etc. The computer of the financial institution 500 sends the deposit data to the account of the collection agency 300 at any time or in response to a request from the computer of the collection agency 300 (step (7 9 )). Collection agency 3 0 0 The computer receives the deposit data from the 500 computer such as a financial institution and stores the deposit data in the deposit data storage unit or the like. Then, the computer of the collection agency 300 executes a payment collation process for associating the payment data with the accounting data stored in the payment management DB (step (80)). In other words, it specifies which insurance contract the deposit is for and registers the data of the deposit in the deposit management DB. For deposits that cannot be matched, it is necessary to confirm the type of deposit separately and the amount of excess or deficiency. For the matched deposit, calculate the amount paid to the insurance company 400 by subtracting the agency commission and the commission of the collection agency 300 from the received insurance premium, and calculate the detailed data for each insurance contract. Carry out the payment process to generate (step (81)). The remittance of the payment amount will be performed separately.

Next, the computer of the collection agency 300 checks the payment status based on the information on the insurance start date and the payment date or the status of unpaid status registered in the payment management DB, and makes an insurance contract for the transfer of premium receivables. Perform the specified process (step (82)). More specifically, (a) insurance contracts with a deposit date before the insurance start date (or may be stated a certain number of times before or after the insurance start date; the same applies hereinafter) for insurance contracts recorded before Let's say In addition, (b) insurance contracts for which no deposit has been recorded before the insurance commencement date are extracted as insurance contracts related to the transfer of premium receivables. There is no problem if the insurance premium is paid before the due date, but in this embodiment, if there is no deposit before the insurance start date, the collection agency 300 will transfer the premium claims to the insurance company 4. By taking over from 00, insurance company 400 is once treated as having received the insurance premium without any problem. However, if the payment cannot be confirmed by the due date, the collection agency company 300 urges the customer 100 (step (84)). As will be described later, if payment is not confirmed by the automatic contract cancellation date, the insurance contract related to cancellation of the contract is extracted and the insurance company 400 is notified to cancel the contract.

In this manner, the information on the insurance contract extracted as a transfer of the insurance premium is transmitted from the computer of the collection agency 300 to the computer of the insurance company 400 (step (83)). When the insurance company 400 receives the information on the insurance contract extracted assuming that the premium receivable is to be transferred, the insurance company will pay the premium by the start date of the insurance based on the transfer of the premium receivable. Treat as However, The insurance premium should be distinguished from the contract actually paid by customer 100. In addition, the collection agency 300 calculates the transfer amount of the insurance premium receivable, and remits the transfer amount separately. In addition, the computer of the collection agency 300 can use the insurance contract data with the insurance contract data in which the payment date is recorded up to the insurance start date, together with the information on the insurance premium payment date. It may be transmitted to the computer 0. Such insurance contracts are not collections of premiums, but collections. The collection agency company's 300 computer manages the amount of insurance contracts for which it has transferred insurance premiums from customers 100 and works to collect them.

On the other hand, the insurance company 400 may accept accident information from the customer 100 or the like (step (85)). When premiums are transferred, it may not be possible for insurance company 400 to know whether insurance premiums were finally collected from customer 100. Since it is a problem that only the insurance money is paid even though the collection agency company 300 has not receivable the insurance premium, in this embodiment, the accident information on the insurance contract to which the insurance premium If accepted, a warning is sent to the computer of the insurance company 400 from the computer of the insurance company 400 to the computer of the collection agency 300 to send the accident number and other accident data such as the accident number and the date of receipt of the accident (step (86)). ). Further, in order to identify an insurance contract to be subjected to a detailed investigation for detecting fraud, etc., accident data may be transmitted from the computer of the insurance company 400 to the computer of the collection agency 300. Les ,. The computer of the collection agency 300 checks whether there is any problem with the collection of the insurance premium using the accident data of the insurance contract to which the insurance premium has been transferred (step (87)). When accident data is received to identify the insurance contract to be subjected to the detailed investigation, for example, the processing shown in Fig. 17 is performed. It should be noted that it is inappropriate to pay insurance claims if an accident has been notified even though insurance premiums have not been paid. It is transmitted from the computer of the collection agency company 300 to the computer of the insurance company 400 (step (88)). When insurance company 400 receives a request to stop insurance payments, it will in principle stop payments and investigate the details.

In addition, the computer of the collection agency 300 also performs a period check process (step (89)). In other words, at a predetermined timing, Extract insurance contracts with no registered payment date as insurance contracts related to automatic cancellation of contracts. Then, the data such as the security number of the extracted insurance contract is transmitted to the computer of the insurance company 400 (step (90)). Then, the computer of the insurance company 400 registers the automatic cancellation of the contract in the information of the insurance contract held by itself (step (91)). In some cases, the collection agency 300 may receive a cancellation refund from the insurance company 400 by canceling the contract, in which case the computer of the insurance company 400 will return the cancellation refund data. The data is sent to the computer of the collection agency 300 (step (92)). The cancellation refund will be sent separately from insurance company 400 to collection agency company 300. The collection agency company 300 will separately collect the difference between the cancellation refund and the insurance premium and the commission from the customer 100. In other words, renew the managed collection required amount and implement debt collection.

Also, the computer of the collection agency 300 calculates the agency commission for a predetermined period for each agency, generates detailed data of the commission, and sends it to the agency.

(93)). In addition, remit the agency commission to agency 200 separately. In this way, the insurance company 400 can obtain the necessary information, such as whether or not insurance payment can be made and automatic cancellation, from the collection agency company 300 without directly managing the presence or absence of payment. Become. With these services, the collection agency 300 can earn revenue from the insurance company 400.

5. System configuration

FIG. 6 shows a system configuration example for implementing the above-described first to fourth embodiments. For example, a network 1 including the Internet, a public network, and a dedicated line 1 includes an insurance company computer 5 managed and operated by an insurance company 400 and a collection agency managed and operated by a collection agency 300 Computer 3, financial institution computer 7, which is the computer of the headquarters of the convenience store or the bank 520, a computer 9 managed by the credit company 510, and a computer 9 operated by the credit company 5 Agent PC (Personal Computer) 11 used, mobile phone 15 used by agent 200, card reader function and printer function A dedicated agent terminal 13 having a communication function and various processing functions is connected.

The collection agency computer 3 includes a payment data generator 31, a barcode distribution processor 32, a loan data processor 33, a payment matching processor 34, and a due date processor 35. A term confirmation processing unit 36, a collection related processing unit 37, an agent management unit 38, a contract extraction processing unit 39, and a settlement processing unit 40 are included. Further, the collection agency computer 3 manages a deposit management DB 41, a deposit data storage unit 42, an accident reception information DB 43, and a notification data storage unit 44.

The payment schedule data generation unit 31 generates the payment schedule data from the receipt data received from the agency dedicated terminal 13 or the agency PC 11. The barcode distribution processing section 320 receives the insurance premium from the customer 100 in cash by the agent 200, and the convenience store payment method is used to transfer the insurance premium to the collection agency 300. If the agent 200 is an agent that does not use the agent dedicated terminal 13, for example, the barcode data is delivered to the mobile phone 15 of the agent 200. Implement the necessary processing. The loan data processing unit 3 3 also generates loan data for the credit company 5 10 when the agent 2 00 remits insurance premiums to the collection agency 3 0 0 when the remittance method is credit card payment. Send. The payment matching processing unit 34 performs matching processing between the scheduled payment data and the payment data, matching processing between the payment-confirmed scheduled payment data and the recorded data, and matching processing between the deposited data and the recorded data. The due date setting processing unit 35 sets due dates such as the due date! 3 and the automatic contract cancellation date based on the accounting data received from the insurance company computer 5 and registers them in the deposit management DB 41. The expiration date confirmation processing part 36 compares the start date, payment date, automatic contract cancellation date and payment date of each insurance contract registered in the payment management DB 41, and the processing date in the case of no payment. Judge whether the deadline has been exceeded. The collection-related processing section 37 performs various processing related to collection. The agency management unit 38 performs processing for calculating the commission of the agency 200 and generating detailed data of the commission. The contract extraction processing unit 39 performs processing for extracting an insurance contract that requires a detailed investigation from the accident information stored in the accident reception information DB 43. The settlement processing unit 40 performs a process for adjusting the received premium. The deposit management DB 41 stores deposit schedule data and information on insurance contracts managed by the collection agency 300. Deposit data storage unit 4 2 stores the deposit data received from the financial institution computer 7 or the like. The accident reception information DB 43 stores the accident reception information received from the insurance company computer 5. The notification data storage unit 44 stores data to be transmitted to another computer.

The insurance company computer 5 includes an insurance contract DB 52 for registering the accounting data (insurance contract data) received from the agent PCs 11 and the like via the network 1 and for which accounting processing has been performed, and a customer 100 Accident reception information DB 51 for registering data of accidents received from other companies, etc., and payment status management DB 53 for storing information related to insurance payments received from collection agency computer 3 Managing. In some cases, the financial institution computer 7 has a Web (Web) server function and a net bank function. It also manages a deposit data storage unit 71 that stores deposit data by the customer 100 or the agency 200. The financial institution computer 7 is provided for each financial institution. The credit sales company computer 9 manages a loan data storage unit 91 for storing the loan data received from the collection agency company computer 3. The agent PC 11 has a program installed to generate accounting data of the insurance contract, and can transmit the accounting data to the insurance company computer 5 via the network 1. In some cases, a program for generating receipt data including a receipt date, an insurance fee (receipt amount), a security number, a remittance method, a customer name, and the like and transmitting the data to the collection agency computer 3 may be installed. In addition, the Web browser and mailer program are also installed, so that users can browse the Internet homepage and exchange e-mails.

The mobile phone 15 of the agency 200 has a network access function, and has a Web browser function and a mailer function. It is also assumed that a display device having a size enough to display barcode data is provided. As described above, the agent dedicated terminal 13 prints a receipt for the insurance premium in the case of receiving the insurance premium in cash, and prints a bar code for enabling payment at a convenience store. It has a function to print payment paper including payment cards, and is equipped with a card reader. It has a function to read the credit card and execute the payment processing, and a function to read the credit card by the card reader and execute the payment processing by the credit card. The specific implementation method of these functions is the same as that of the prior art, and will not be described in detail here. Further, the agent dedicated terminal 13 can communicate with the collection agency computer 3 via the network 1 and has a function of transmitting the above-mentioned receipt data to the collection agency computer 3. This function is described in detail below.

6. Processing in Examples 1 and 2

Next, a processing flow in the first and second embodiments of the system shown in FIG. 6 will be described with reference to FIGS. 7 to 14.

For example, when the agent 200 receives an insurance contract application form from the customer 100 and receives insurance premiums in cash, the agent terminal 13 is operated to obtain the customer name, amount, Enter receipt data such as security number and insurance type. The agency dedicated terminal 13 accepts the input of the receipt data (step S1). If it has been input in advance, the pre-input receipt data is read out. For example, a connection may be made to the agent PC 11 and the data input at the agent PC 11 may be transmitted to the agent dedicated terminal 13.

Next, the agency dedicated terminal 13 prints a receipt according to the output instruction from the agency 200 (step S3). The printed receipt is handed to customer 100. In addition, the agency dedicated terminal 13 displays a menu of the remittance method on the display device (step S5). As described above, the remittance method is displayed preferentially if the remittance fee is low. Agent 200, on the other hand, selects the current remittance method. If the remittance method is not displayed in the menu, and if no change is made before clicking the send button, for example, the remittance method is specified by the method that is assumed to use the specific remittance method set in advance. You may do it. Then, for example, in accordance with the instruction of the agency 200, receipt data including a remittance method, a receipt date, an agency code, an amount, a security number, and the like are generated and transmitted to the collection agent computer 3 (step S7). After that, remittance processing is performed by the agent dedicated terminal 13 etc., which is performed via terminal A. This will be described with reference to FIG.

The payment schedule data generation unit 31 of the collection agency computer 3 receives the receipt data from the agent dedicated terminal 13 and stores it in the storage device (step S9). Then, payment schedule data is generated from the receipt data and stored in, for example, the payment management DB 41 (step S 11). For example, payment schedule data is registered in a table as shown in FIG. That is, remittance method, receipt Θ, customer name, insurance amount, agency code (or agency name or both), security number, and matching result (for example, 1 is matched, 0 is unmatched) Is registered for each record. It is good to register other data that can be obtained.

If the received receipt data includes the data of credit card payment as the remittance method (step S13: Yes route), the loan data processing unit 33 generates the loan data based on the receipt data, The data is transmitted to the affiliated credit sales company computer 9 (step S15). The loan data includes, for example, an agent code if the agent code is registered in the computer 9 of the credit company in advance, and the credit card number of the agent 200 registered in advance corresponding to the agent code. Includes the agent's 200 credit card number and amount included in the issue or receipt data. When the credit sales company computer 9 receives the loan data from the collection agency computer 3, it stores the loan data in the loan data storage unit 91, executes the credit processing, and issues a remittance instruction to make a loan if there is no problem, for example, on a network. 1 to financial institution computer 7. The financial institution computer 7 performs a remittance process according to the remittance instruction. When the credit company 9 makes a loan according to the loan data, the computer 9 transmits data on the result of the loan to the collection agency computer 3 as payment data. Executing the processing in step S15 is merely an example, and as will be described later, the data is transmitted to the computer 9 of the credit company at the dedicated agent terminal 13 and the step S15 is executed. The configuration may be such that it is not performed.

If the received receipt data contains data other than credit card payment as the remittance method (step S13: No route) and after step S15, the collection agent computer 3 is a financial institution computer 7, etc. From that deposit data The deposit data stored in the storage unit 71 is received and stored in, for example, the deposit data storage unit 42 (step S17). For example, as shown in Fig. 9, data on at least the date of deposit, the amount of deposit, and the depositor (agent code or agent name or both) are included. Depending on the financial institution etc. 500, it may include more data. Then, when new data is stored in the payment data storage unit 42, the payment matching processing unit 34 performs matching processing with the scheduled payment data stored in the payment management DB 41 (Step S). 1 9). At this time, for example, specify the remittance method (bank transfer) from the data (eg, bank) of the financial institution that is the source of the remittance data, and narrow down the remittance schedule data to be compared using the specified remittance method. Anyway. Further, the matching may be a process of searching for the payment schedule data using, for example, the amount of money included in the payment data and the agency code (or the agency name) as keys. In this matching process, for example, “1” is registered as the matching result for the payment schedule data that has been matched. In addition, the payment matching processing unit 34 extracts from the payment management DB 41 unscheduled (unmatched) payment data that has not been verified even after a predetermined period of time from the receipt date included in the payment planned data, and The agent 200 is specified from the agent code included in the above, and payment confirmation data addressed to the agent 200 is generated (step S21). The payment confirmation data is stored in, for example, the notification data storage unit 44. For example, when the receipt data is received from the agency dedicated terminal 13 of the corresponding agency 200, the receipt data is received. It may be transmitted together with the completion data. Further, the information may be transmitted to a mail address of the agency 200 registered in advance by e-mail or the like separately. Further, the information may be output to a person in charge of the collection agency 300 and checked by telephone or the like. For example, the agency terminal 13 receives the payment confirmation data from the collection agency computer 3 and displays it on the display device (step S23). The agent 200 checks the display on the display device to confirm whether the amount of money for which payment was not forgotten was correct or not. It should be noted that the payment confirmation data may be received by the agent's PC 11 or by the agent's mobile phone 15.

By carrying out the above-mentioned processing, business operations such as bookkeeping of statutory books are eliminated by the same day settlement, and business efficiency is improved, and the number of agents is greatly reduced. You. In addition, if payment is made on the same day by cash receipt, the collection agency computer 3 may receive the deposit data without retaining the accounting data. In the first and second embodiments, payment schedule data is generated for that purpose, and matching between the payment schedule data and the payment data is performed. Then, as described below, matching between the payment schedule data and the accounting data is performed. Next, an example of the remittance process after the terminal A in FIG. 7 will be described with reference to FIG. First, the agency dedicated terminal 13 determines whether credit card payment has been designated as a remittance method (step S31). If it is determined that the payment is by credit card, the agent 200 passes its credit card through the card reader of the agent terminal 13, so the agent terminal 13 is The data is read (step S33). Then, based on the credit card data and the receipt data (for example, the insurance fee), generate remittance data to the collection agency 300 to the credit sales company computer 9 and send it to the credit company computer 9 (step S35). At this time, for example, a process may be performed when a password is required to be input and transmitted to the credit sales company computer 9. These processes are not different from the conventional technology and will not be described further. Steps S31 to S35 are not necessary when executing the processing of step S15 in FIG. In addition, the processing returns to the processing of FIG. 7 from the terminal B.

If it is determined that the payment is not by credit card, it is determined whether the debit card payment is designated as the remittance method (step S37). When it is determined that the payment is by debit card, the agent 200 passes the cash card, which is a debit card, to the card reader of the agent dedicated terminal 13, so that the data of the cash card is read. (Step S39). Then, based on the cash card data and the receipt data (for example, the insurance fee amount), remittance data to the financial institution computer 7 to the collection agency 300 is generated and transmitted to the financial institution computer 7 (S Step S4 1). At this time, for example, a process of requesting the input of a password and transmitting it to the financial institution computer 7 may be performed. These processes are not different from the conventional technology and will not be described further. In addition, the processing returns to the processing in FIG. 7 from the terminal B. If it is determined that the payment is not a debit card payment, it is determined whether the net transfer has been designated as a remittance method (step S43). If it is determined that the transfer is via the Internet, for example, a list of bank accounts registered in advance is displayed, and the user is allowed to select from which bank the money is to be transferred. The agent dedicated terminal 13 receives the selection input of the bank account by the agent 200 (step S45), and accesses, for example, a designated bank site established on the Internet. Then log in. If it is not possible to log in automatically, the user logs in from the login page (step S47). Then, the transfer data is input in a predetermined procedure according to the page configuration of the bank site, and the transfer data is transmitted to instruct the remittance (step S49). In addition, the processing returns to the processing of FIG. 7 from the terminal B.

If it is determined that the payment is not a net transfer, it is determined whether convenience store payment has been designated (step S51). If it is determined that the payment is at the convenience store, the bar code data is generated and printed using at least the agency code and / or the agency name and the insurance premium amount data (step S5). 3). The agent 200 goes to the store of the convenience store with the payment paper including the output bar code and pays the insurance fee (step S55). In addition, the processing returns to the processing in FIG. 7 from the terminal B. In the case of payment at a convenience store, the barcode distribution processing unit 32 of the computer 3 of the collection agency may execute the processing. This will be described later.

If it is determined that the payment is not at a convenience store, it is determined whether the payment is made at a bank store (step S57). If a method other than the method described above is used, the processing for that method shall be performed. When making a transfer at a bank store, no special processing is required at the agent dedicated terminal 13. Accordingly, the agent 200 goes to an ATM installed at a bank store or the like and carries out the transfer (step S59). In addition, the processing returns to the processing in FIG. 7 from the terminal B.

As described above, by using the agent dedicated terminal 13, various remittance methods can be dealt with. In addition, since it is possible to transfer money to the Internet by using the agent PC 11 or the mobile phone 15, the terminal used by the agent 200 is limited to the agent dedicated terminal 13. Do not mean. In addition, when the mobile phone 15 is used, for example, processing as shown in FIG. 11 may be performed. When the remittance method is a convenience store payment, the barcode distribution processing section 32 of the collection agent computer 3 generates barcode 'data for the mobile phone 15 of the agency 200 (step S61). For example, when the data indicating that the agency 200 does not use the agency dedicated terminal 13 and the mail address of the mobile phone 15 are registered in advance, for example, the barcode distribution processing unit 32 is activated. You may do it. Also, the barcode distribution processing unit 32 has embedded therein a URL (Uniform Resource Locator) for distributing the generated barcode data to the mobile phone registered corresponding to the agency code. The e-mail is sent (step S63). The mobile phone 15 of the agency 200 receives the mail in which the predetermined URL is embedded from the collection agency computer 3 and displays it on the display device (step S65). When the URL embedded in the mail is clicked, the mobile phone 15 accesses the URL (step S67). The barcode distribution processor 32 transmits the barcode data generated in step S61 to the mobile phone 15 in response to the access from the mobile phone 15 (step S69). The mobile phone 15 receives the barcode 'data from the collection agency computer 3 and displays it on the display device (step S71). Then, the agent 200 goes to the convenience store with the mobile phone 15 and scans the barcode 'data displayed on the display device of the mobile phone 15 with a barcode scanner at the convenience store ( Step S73). As a result, it can be included in the existing fee collection schemes by convenience stores. It should be noted that although the mail with the URL embedded is sent once, if the mobile phone 15 is compatible, the mail with the barcode data embedded may be sent. There is also a method of displaying a barcode using a Java (trademark of Sun Microsystems) applet.

Next, the processing after the insurance company computer 5 receives the accounting data will be described with reference to FIGS. The insurance company computer 5 receives the accounting data relating to the application for the insurance contract from, for example, the agent PC 11 and registers it in the insurance contract DB 52 (step S81). For accounting data, for example, data such as insurance premiums After conducting the check, if there is no problem, register it in the insurance contract DB 52. Then, the insurance company computer 5 transmits the newly registered accounting data to the collection agency computer 3 at an arbitrary timing or at a predetermined cycle (step S83). The collection agency computer 3 receives the accounting data from the insurance company computer 5 and registers it in, for example, the deposit management DB 41 (step S85). Data such as those shown in FIGS. 13A and 13B are stored in the deposit management DB 41, for example. In the example of Fig. 13A, it is included in accounting data such as policyholder name, security number, insurance type, premium, payment method, insurance start date, application acceptance date, accounting date, agency code (or agency name), etc. The registered data is registered in the deposit management DB 41. In addition, in the example of Fig. 13B, corresponding to one record in Fig. 13A, the due date, the automatic contract cancellation date, the deposit date, the insurance payment allowance flag (the flag up to the due date and the automatic contract Flags until the release date) and release flags are set.

Then, the payment matching processing section 34 performs matching processing between the payment-scheduled payment-scheduled data and the accounting data (step S87). For example, search for accounting data that includes the same security number as the security number included in the scheduled payment data. Then, when the accounting data containing the same security number as the security number included in the expected payment data is detected, the insurance fee amount included in the expected payment data is further equal to the insurance fee amount included in the accounting data. Judgment is the power. If these two conditions are met, the receipt date data included in the scheduled payment data is registered in the payment date column of the table (Fig. 13B) where the data recorded in the payment management DB 41 is registered. I do. In addition, the insurance money payability flag is set to payable for all periods (step S89). Note that the corresponding payment data is not available, and the recorded data is the same as the payment data described in the third and fourth embodiments, when the customer 100 sends money directly to the collection agency 300. Used for data matching. Therefore, matching data will not be treated as failed for matching if no correspondence is found by the security number included in the scheduled payment data. However, since the expected payment data and the recorded data whose security numbers match but whose insurance premiums do not match are treated as unmatched, such expected payment data and calculated data are extracted and the insurance company computer Send it to 5 (step S93). Note that only the payment schedule data may be transmitted. This is This is because the insurance company computer 5 can acquire the recorded data by using the security number in the expected gold data because the security number is included.

When the insurance company computer 5 receives the payment schedule data and the accounting data that cannot be matched from the collection agency computer 3, the insurance company computer 5 stores the data in the storage device (step S95). Later, the insurance company computer 5 outputs the payment schedule data and the accounting data that cannot be matched to the insurance company 400 staff, and the insurance company 400 staff checks the accounting data (step). S97). Mismatching occurs when there is a problem with the accounting data, or when there is a problem with the expected payment data, or both. If there is a problem with the accounting data, the accounting data is corrected, registered in the insurance contract DB52, and the corrected accounting data is transmitted to the collection agency computer 3. On the other hand, if there is a problem with the scheduled payment data, the correction data on the scheduled payment data is transmitted to the collection agency computer 3 (step S99). When receiving the corrected data, the payment collation processing unit 34 of the collection agency computer 3 registers it in, for example, the payment management DB 41 (step S101). If there is no correction in the recorded data, a premium has been added or refunded, and the surcharge or reimbursement of the premium will be calculated. Then, the data of the insurance settlement report is generated and stored, for example, in the notification data storage unit 44 (step S103). After that, for example, a procedure such as printing out the data of the balance sheet and mailing it to the customer 100 is performed. If there is a refund, the refund process may be performed using, for example, the customer's bank account data obtained from the fund transfer request form. If there is a surcharge, the payment schedule data for the surcharge is generated and registered in the deposit management DB 41. Then, a matching process with the payment data is performed (step S105). There are various ways to set the insurance payment allowance flag when there is a surcharge, but in this case, the agent 200 is wrong, so it was received on the first receipt date Sometimes treated as

As described with reference to FIGS. 1 and 2, the agent management unit 38 of the collection agency computer 3 compares the payment schedule data with which payment has been verified at predetermined intervals, for example, once a month. Calculate agency commissions for insurance contracts that match the accounting data, generate agency commission detail data for each agency, for example, store notification data Stored in section 44 (Fig. 14: step S111). The detailed data may be notified to the agency 200 via the network 1 or may be sent after the mark J.

Further, the settlement processing unit 400 calculates the amount obtained by subtracting the agency commission and the commission of the collection agency 300 from the received insurance premium, and as the data of the settlement amount to be paid to the insurance company 400, for example, a notice The data is stored in the data storage section 44 (step S113). Further, detailed data for the insurance company 400 may be generated and transmitted via the network 1, or printed and transmitted.

In addition, the collection agency 300 may have a function of accepting a change in an insurance contract at, for example, a call center. In such a case, for example, the collection-related processing unit 37 accepts input of transfer data of the insurance contract. Then, the transfer data is registered in the deposit management DB 41 or the like (step S115). Then, the transfer data is transmitted to the insurance company computer 5 (step S117). Upon receiving the transfer data from the collection agency computer 3, the insurance company computer 5 registers the transfer data in, for example, the insurance contract DB 52 after a predetermined confirmation process (step S119). In addition, the transfer may result in a surcharge or refund of insurance premiums. The collection-related processing unit 37 calculates the amount of the surcharge or reimbursement of the insurance premium, generates the data of the settlement report, and stores it, for example, in the notification data storage unit 44 (step S121). After that, for example, a payment report is printed and sent to customer 100. If there is a refund, it will be refunded to the account specified in the fund transfer request, for example. If there is a surcharge, you will be asked to remit the reimbursement fee in the statement of payment. In some cases, the payment schedule data is generated and registered in the payment management DB 41. Even in the case of using the collection agency 300 by such processing, the procedure for immediately adjusting the insurance premium proceeds smoothly.

7. Processing in Example 3

Next, a processing flow in the third embodiment of the system shown in FIG. 6 will be described with reference to FIGS. 15 to 17. Upon receiving the insurance application from the customer 100, the agent 200 generates accounting data using the agent PC 11 or the like, and causes the agent PC 11 or the like to transmit the data to the insurance company computer 5. Upon receiving the accounting data from the agent PC 11 or the like, the insurance company computer 5 registers it in the insurance contract DB 52 by accounting processing. Further, in order to request collection of insurance premiums, the accounting data newly registered in the insurance contract DB 52 is transmitted to the collection agent company computer 3 at a predetermined cycle or at an arbitrary timing. Upon receiving the accounting data from the insurance company computer 5, the collection agency computer 3 registers it in the deposit management DB 41 (step S13 1). For example, the data shown in Fig. 13A is stored. In addition, the due date setting processing unit 35 sets the due date and the automatic contract cancellation date as due dates to be confirmed and based on the insurance start date, insurance type, and payment method (collective payment, monthly payment, semi-annual payment, etc.) It is registered in, for example, the portion shown in FIG. 13B of the payment management DB 41 (step S133). For example, in the case of long-term insurance, the payment date is set to be 30 days from the beginning of the insurance, and in the case of short-term insurance, the payment date is set to be 15 or 7 days from the beginning of the insurance. This is the due date of the first premium payment in one lump sum or installment payment. For the second and subsequent premiums in installment payments, the due date is set separately from the first day of each installment period after a specified number of days. Examples of long-term insurance include car insurance and fire insurance with an insurance period of one year or more, and examples of short-term insurance include travel accident insurance with less than one year. In this case, the due date will be set according to the insurance period or insurance type included in the insurance contract data. Further, the due date may be set according to other attributes included in the accounting data. For example, payment deadlines may be set based on the contract conclusion date.

In addition, the collection agency computer 3 receives, for example, the deposit data stored in the deposit data storage unit 71 from the financial institution computer 7 at a predetermined cycle or at an arbitrary timing, and stores it in the deposit data storage unit 42. (Step S1 3 5). When new deposit data is stored in the deposit data storage unit 42, the deposit matching processing unit 34 determines which insurance contract each deposit corresponds to. For this purpose, the data of the depositor name and the deposit amount included in the deposit data are used for comparison with the policyholder name and insurance premium data included in the recorded data. If the deposit data further includes data such as a securities number, it may be used. Correspondence between payment data and accounting data If the payment is specified, the data of the payment date included in the payment data is registered in the payment management DB 41 (FIG. 13B) (step S1 37).

The expiration date confirmation processing unit 36 of the collection agency computer 3 determines, at a predetermined cycle or at an arbitrary timing, the date of payment, the date of processing if there is no payment, the date of payment and the date of automatic cancellation of each insurance contract. Compare. If the payment date is before the payment date, the insurance payment possibility flag until payment date B and the automatic contract cancellation date is set to “1”. In other words, insurance payment is allowed. If the payment has not yet been made, and if the processing date is a date up to the payment due date, the insurance payment payment availability flag up to the payment due date is set to “0”. That is, the insurance payment is suspended. If the processing date is the date from the payment due date to the automatic contract cancellation date when the payment has not yet been made, the payment term (the insurance payment allowance flag up to 3 is set to `` 2 (impossible) '', Set the insurance payment enable / disable flag until the automatic contract cancellation date to “0.” If the deposit date is the date from the payment due date to the automatic contract cancellation date, set the insurance payment enable / disable flag until the payment due date to “0”. Set to 2 ”and set the insurance payment enable / disable flag up to the automatic contract cancellation date to 1. If there is no payment after the automatic contract cancellation date, until the payment due date and until the automatic contract cancellation date (Step S 13 9) At this stage, the security number of each insurance contract, the contents of the insurance payment enable / disable flag, and the payment date if insurance has been received are separately insured. Generated as payment data The data may be stored in the data storage unit 44. Then, the expiration date confirmation processing unit 36 of the collection agency computer 3 sends the insurance contract security number and the insurance money payability flag from the deposit management DB 41. If the contents have been paid, the insurance payment data including the data of payment 0 is transmitted to the insurance company computer 5 (step S144).

When the insurance company computer 5 receives the insurance payment payment data from the collection agency computer 3, the insurance company computer 5 stores the data in a storage device such as the payment status management DB 53, and refers to it later when it becomes necessary. That is, when an accident or the like occurs, whether or not to pay insurance money is determined, for example, on the day of the accident.

By performing such processing, if the insurance company can identify the time of the accident, can the insurance company pay the insurance money based on the information from the collection agency computer 3 without managing the payment? , Or the power not to be paid or At this point, it is possible to easily determine whether the state is on hold.

The expiration date confirmation processing unit 36 of the collection agency computer 3 also performs processing as shown in FIG. That is, the deposit management DB 41 is searched to identify an insurance contract for which no deposit has been recorded up to the date up to the automatic contract cancellation (step S143). Then, for the specified insurance contract, the release flag is set to ON (for example, “1”) in the payment management DB 41, and an automatic cancellation contract list including the security number and the like is formed and transmitted to the insurance company computer 5. (Step S145). When the insurance company computer 5 receives the automatic cancellation contract list from the collection agency computer 3, the insurance company computer 5 stores the list in a storage device such as the payment status management DB 53. Then, in the data of the insurance contract DB 52, the automatic cancellation of the insurance contract listed in the automatic cancellation insurance list is registered later. Here, the important information of automatic contract cancellation is configured separately as an automatic cancellation contract list, and is notified to the insurance company 400 side. In addition, the contract extraction processing section 39 of the collection agent computer 3 performs a process of identifying an insurance contract that requires a detailed investigation, for example, as shown in Fig. 17 to confirm that fraud has not occurred. carry out. That is, at a predetermined cycle or at an arbitrary timing, the insurance company computer 5 receives the accident reception information including the security number, the accident date, and the accident reception date, and stores the information in a storage device such as the accident reception information DB 43. (Step S1 4 7). Then, in accordance with each insurance contract in which an accident has occurred, the accounting data is read out from the payment management DB 41 and the following processing is performed. First, it is determined that the accident date is at least a predetermined number of days after the date of receiving the application (or the date of accounting) (step S149). The application acceptance date is, for example, the date when insurance company computer 5 receives the insurance contract accounting data from agent PC 11 or the insurance company 400 side without entering data at agent 200 If data is to be generated, indicate the date of receipt of the application form from agency 200 or the date of receipt of notification to insurance company 400, which is obligatory for agency 200 as a separate procedure. . The recording date is, for example, the date of registration in the insurance contract DB52, but in some cases, the recording date and the application acceptance date are not distinguished. If there is a notice of application from the agency 200 etc. more than a predetermined number of days before the accident date, there is no possibility that the fraud has been committed, and the process is terminated here without being subjected to the examination.

On the other hand, if the date of the accident cannot be said to be more than the specified number of days after the application is accepted, the insurance It is determined whether the date is after the accounting date (step S 15 1). If the accounting date is later than the insurance start date, it is necessary to confirm whether the accounting date is delayed due to administrative delays or fraud. Therefore, in order to be listed as a contract to be investigated, the policy number of the insurance contract is stored in a storage device such as the notification data storage unit 44 (step S155). On the other hand, if the insurance start date is after the accounting date, it is checked whether or not other predetermined conditions are satisfied (step S153). Other predetermined conditions may be, for example, whether the customer 100 (insurer) is not on the blacklist, or if the accident date is immediately after the insurance commencement date (eg, within a few days). Or whether the earliest of insurance premiums on the first day, the date of payment, the date of accounting, and the date of receiving the application is later than the date of receiving the accident. If the predetermined conditions are satisfied, the contract is identified as a contract to be investigated and added to the list (step S155). If the specified conditions are not satisfied, the processing ends. The listed insurance contracts' security numbers and the like are transmitted from the collection agency computer 3 to the insurance company computer 5. The insurance company computer 5 stores the data of the insurance contract to be investigated received from the collection agency computer 3 in a storage device, and uses the data for a subsequent investigation. By performing such processing, the collection agency 300 can obtain information for investigating improper insurance contracts such as fraud, and insurers can reduce the number of investigations. Can be.

Communication between the computers does not have to go through a network. For example, data may be exchanged using a magnetic tape or another recording medium. The flow of confirmation of fraud described above is only an example, and it is possible to arbitrarily combine the correspondence status of accident date, application reception date or accounting date, insurance start date, etc. and other conditions, and arbitrarily combine By doing so, it is possible to confirm the presence or absence of fraud. 8. Processing in Example 4

Next, a processing flow in the fourth embodiment of the system shown in FIG. 6 will be described with reference to FIGS. 18 to 21.

Upon receiving the insurance application from the customer 100, the agent 200 generates accounting data using the agent PC 11 and the like, and the agent PC 11 etc. To 5 When the insurance company computer 5 receives the accounting data from the agent PC 11 or the like, it registers it in the insurance contract DB 52 in the accounting process. Further, in order to request the collection of insurance premiums, the accounting data newly registered in the insurance contract DB 52 is transmitted to the collection agent company computer 3 at a predetermined cycle or at an arbitrary timing. Upon receiving the accounting data from the insurance company computer 5, the collection agency computer 3 registers it in the deposit management DB 41 (step S16 1). The data shown in Fig. 13A is stored. In addition, the due date setting unit 35 sets the due date and the automatic contract cancellation Θ as the due date to be confirmed based on the insurance due date, insurance type, and payment method (lump-sum payment, monthly payment, semi-annual payment, etc.), and deposits Register it in the management DB 41 (step S166). In the fourth embodiment, data shown in FIG. 19 is registered in the deposit management DB 41 instead of the data shown in FIG. 13B. In the example shown in Fig. 19, for each insurance contract, the payment date, automatic contract termination date, payment date, transfer flag, dunning flag, release flag, data on the required recovery amount, etc. are registered. .

In addition, the collection agency computer 3 receives the deposit data stored in the deposit data storage unit 71 from the financial institution computer 7 at a predetermined cycle or at an arbitrary timing, and stores it in the deposit data storage unit 42. (Step S165). When new deposit data is stored in the deposit data storage unit 42, the deposit matching processing unit 34 determines which of the insurance contracts each deposit corresponds to. For this purpose, the data of the depositor name and the deposit amount included in the deposit data are used for collation with the policyholder name and insurance premium data included in the recorded data. If the deposit data further includes data such as a securities number, it may be used. When the correspondence between the payment data and the accounting data is specified, the data of the payment date included in the payment data is registered in the payment management DB 41 (FIG. 19) (step S166).

Then, the expiration date confirmation processing unit 36 of the collection agent company computer 3 performs an expiration date confirmation process (step S19). This deadline confirmation processing will be described later in detail. Then, the contract list and the contract release list to be transferred, which are generated in the deadline confirmation processing, are transmitted from the collection agency computer 3 to the insurance company computer 5 (step S171). When the insurance company computer 5 receives the receivables transfer contract list and the contract release list from the collection agent company computer 3, the insurance status computer 5 The data is stored in a storage device such as DB53. In principle, insurance contracts on the receivables transfer contract list are treated as if they were received by the insurance commencement date. Data indicating that the receivables have been transferred may be registered in the insurance contract DB 52. For insurance contracts on the contract cancellation list, the cancellation date, etc. are registered in the insurance contract DB 52.

By carrying out such processing, the insurance company does not have any control on the payment date and can basically treat all payments as having been received by the start date of insurance. Even if the insurance premium is not paid, the insurance company will be able to treat it as a normal cancellation. However, accident information etc. will be notified for the collection agency company 300 to which the premium claims are transferred. The collection agency 300 can increase profits by taking over insurance premiums and collecting them.

Next, the processing of the time limit confirmation processing unit 36 in the fourth embodiment will be described with reference to FIG. This processing is performed at a predetermined cycle or at an arbitrary timing. First, one unprocessed record is read from the deposit management DB 41 (step S 173). Then, it is determined whether or not the unprocessed record is unpaid based on whether or not the unprocessed record includes the payment date (step S175). If payment has been made, the process proceeds to step S205. That is, it is determined whether all records have been processed. If all records have been processed, the process is terminated. If there is an unprocessed record, the process returns to step S173 (step S205). .

If the payment has not yet been made, the processing date is set at the beginning of the insurance (or the period required for the registration of the payment date, taking into account the period required for the registration of the payment date) Days may be determined) (step S177). If the processing date does not exceed the insurance start date, the process proceeds to step S205. On the other hand, if the processing has passed the insurance start period S, it is determined whether the transfer flag shown in FIG. 19 is set to “1” (step S 179). If the transfer flag is set to “0”, the transfer flag is set to “1” in the deposit management DB 41 (step S 18 1), and the contract list related to the transfer of the insurance premium receivable is set. Information such as the securities number is added to the (receivable assignment contract list) (Step S183). For example, transfer of receivables The delivery contract list is stored in the notification data storage unit 44. In addition, the required recovery amount calculated from the insurance premium is registered in the deposit management DB 41 in accordance with the agreement between the insurance company 400 and the collection agency 300 (step S185). The required recovery amount may be the insurance premium itself. Then, control goes to a step S205.

This makes it easier to identify the insurance contracts for which premiums have been transferred. Notification to the insurance company can also be made using this list of loan assignment contracts. In addition, the required collection amount is also registered, so it can be used to collect receivables.

If the transfer flag has been set to "1", it is determined whether the dunning flag shown in FIG. 19 has been set to "1" (step S187). If the dunning flag is not set to “1”, the processing date has passed the due date (or the due date + the time required for deposit registration, taking into account the time required for deposit date registration). Is determined (Step S189). If not, step

Move on to S205. On the other hand, if the processing date has passed the due date, the dunning flag is set to "1" (step S191), and information such as the security number is registered in the dunning list (step S19) 3). The reminder list is stored in, for example, the notification data storage unit 44. Then, control goes to a step S205.

In this way, it is easier to identify insurance contracts for which premiums have not been paid after the due date. A step for updating the required collection amount may be added. This is the case when late payments are collected because the due date is not met.

If the dunning flag has been set to "1", it is determined whether the release flag shown in FIG. 19 has been set to "1" (step S195). If the release flag has already been set to "1", the flow shifts to step S205. On the other hand, if the cancellation flag is set to “0”, the processing date is the automatic contract cancellation date (or the automatic contract cancellation date + payment S registration It is determined whether or not has elapsed (step S197). If the processing date has not passed the automatic contract cancellation date, the process proceeds to step S205. If the processing says that the automatic contract cancellation date has passed, the cancellation flag is set to “1”. At step S 199), information such as the security number is registered in the contract cancellation list (step S 201). The contract cancellation list is stored in, for example, the notification data storage unit 44. Then, the required recovery amount is updated (step S203). If there is a cancellation refund due to the cancellation of the contract, renewal registration is required as the required recovery amount = required recovery amount-cancellation refund + commission However, there may be no cancellation refund, in which case only the fee may be considered. Then, control goes to a step S205.

By executing such processing, it becomes possible to notify the insurance company of the contract that will be automatically canceled. For the collection agency 300, the identification of insurance contracts that have been automatically canceled is very important because if they cannot be collected, they will lose their own insurance.

Next, the processing of the collection-related processor 37 of the collection agency computer 3 will be described with reference to FIG. The collection-related processing section 37 receives the accident reception information from the insurance company computer 5 and stores it in the accident reception information DB 43 (step S207). The accident reception information includes, for example, information such as a security number, an accident reception date, and an accident date. Then, out of the insurance contracts in which the accident occurred, any of the insurance contracts with one of the transfer flag, dunning flag, and release flag set to “1” was identified by searching the payment management DB 41, Register in the list (step S209). For example, the cautionary contract list is stored in the notification data storage unit 44. You may also check whether the payment date is registered. The list of contracts requiring caution includes the security number, the date of receipt of the accident, and the date of the accident.

It is necessary to pay special attention to contracts registered on the list of cautionary contracts so as not to obtain insurance money without paying insurance premiums. Although the embodiment of the present invention has been described above, the present invention is not limited to this. For example, as shown in FIG. 6, each computer may not be connected to the network. For data transfer, for example, a magnetic tape or other recording medium may be used.

FIG. 6 shows an example in which the insurance company computer 5 is constituted by one computer, but may be constituted by a plurality of computers. The same applies to the collection agency company computer 3, financial institution computer 7, and credit company computer 9. is there. Each functional block of the collection agency computer 3 is shown only for convenience of explanation, and does not necessarily correspond directly to a specific program module. FIG. 6 is an example of the configuration of a storage device such as a database, and other data holding methods may be employed.

Further, the deposit management DB 41 managed by the collection agency computer 3 can be referred to, for example, on the Internet so that a person having a predetermined password of a customer 100, an insurance company 400, and an agent 200 can refer to the database. It is also possible to make it public. For customer 100, you can only refer to your insurance contract data. Agent 200 can also refer only to data on insurance contracts that it has handled.

Further, the collection agency company computer 3 classifies the insurance contract for which the dunning flag is set to “1” in the fourth embodiment according to predetermined criteria such as region, amount, and dunning status, and A classification process for outsourcing collection to a third party may be performed.

In the third and fourth embodiments, the configuration has been described in which collection is performed or receivables are transferred based on a request from insurance company 400, but customer 100, for example, when applying for an insurance contract, If a non-card advance payment request is made, it is possible to make a configuration in which advance payment is made based on the request.

In addition, each processing unit of the computer 3 shown in FIG. 6, such as the date setting processing unit 35, the deadline confirmation processing unit 36, the contract extraction processing unit 39, the settlement processing unit 40, etc. In preparation for insurance company computer 5 of insurance company 400 instead of 300, a configuration in which various processes such as term setting, expiration date confirmation, contract extraction, and settlement processing are performed on the insurance company 400 side It is also possible to In this case, for example, in the third and fourth embodiments, the due date setting processing unit 35 provided in the insurance company computer 5 sets the due date and the automatic contract cancellation date based on the recorded data, and Based on the insurance type and the payment method, the contents of the portion shown in Fig. 13B in the payment management DB 41 are registered. Further, it acquires the payment information such as the payment date and the unpaid payment from the collection agent company computer 3 and obtains the payment information such as the payment date and the unpaid payment from the computer 3 of the payment collection agent provided in the insurance company computer 5, and based on the payment information, the information shown in FIG. Set the insurance payment enable / disable flag, release flag, etc. in the table. In addition, the insurance company computer 5 The contract extraction processing unit 39 extracts accident reception information including the security number, the accident date and the accident reception date from the accident reception information DB 51, and based on the information and the recorded data, for example, the accident reception date and Judge the relationship with the application acceptance date and implement processing to identify insurance contracts that require a detailed investigation. The settlement processing unit 40 provided in the insurance company computer 5 calculates the agency commission and the commission of the collection agency 300.

In this case, the insurance company computer 5 sends the information such as the insurance money payability flag ゃ cancellation flag set by the date confirmation processing unit 36, such as the date set by the date setting processing unit 35, to the collection agency computer 3. Send. In addition, information on insurance contracts and data related to settlement that need to be investigated in detail by the contract extraction processing unit 39 is collected by the collection agency computer 3, agent dedicated terminal 13, agent PC 11 or agent The information is transmitted to a device on the side of the agency 200 such as the cellular phone 15.

In addition, the collection agency computer 3 and the insurance company computer 5 may cooperate with each other such as setting a due date, confirming a deadline, extracting a contract, and performing a settlement process by sharing the respective processes. In that case, the computer in charge of each processing sends information on the processing results to other computers, and the collection agency computer 3 and the insurance company computer 5 need each based on the transmitted information. Take appropriate action.

Although the collection agency 300 is illustrated as a different organization from the insurance company 400, a section of the insurance company may be the collection agency, and the form of the organization is not limited. Furthermore, each processing flow is also an example, and is not limited to the above.

Claims

The scope of the claims

1. Acquisition of data relating to the insurance contract excluding payment data of the insurance premium, and registration in the storage device. Determination of the due date of the premium based on the data relating to the insurance contract, and registration of the due date in the storage device.

The insurance premium collection data obtained from the person who collected the insurance premium is associated with the insurance contract data, and at least the date of the payment is registered in a storage device. From the relationship of the due date, information on whether or not to pay an insurance claim is generated for each insurance contract, and the step of determining whether or not to pay an insurance claim to be registered in a storage device,

And a computer-implemented information processing method relating to insurance premium deposit management.

2. In the due date determination step, an automatic contract termination date in the case of non-payment of insurance premiums is determined based on the data on the insurance contract and registered in a storage device,

Extracting insurance contracts for which the previous date of the automatic contract cancellation is not registered as the date of payment

2. The information processing method according to claim 1, further comprising:

3. Acquiring accident reception data including accident date information;

Extracting an insurance contract that satisfies a predetermined condition, at least one of which relates to an arbitrary combination of the accident date, the insurance start date included in the data related to the insurance contract, and the recording date of the insurance contract;

3. The information processing method according to claim 1 or 2, further comprising:

4. In the step of determining whether to pay the insurance,

From the relationship between the payment date or the unpaid state, the payment date, and the automatic contract cancellation date, Determines whether the insurance payment can be made up to the payment date and whether the insurance payment can be made from the payment date to the automatic contract cancellation date.

3. The information processing method according to claim 2, wherein the insurance payment is managed.

5. Obtaining insurance contract data including insurance start date information except insurance deposit data, and registering the data in the insurance contract data storage unit;

Associating the insurance payment data acquired from the person who collected the insurance premiums with the data relating to the insurance contract, and registering at least the payment date data in the insurance contract data storage unit;

Unpaid insurance contracts that have not been paid by the predetermined date set based on the insurance commencement date are extracted, and information specifying the unpaid insurance contracts is stored in the storage device as an insurance contract related to the transfer of the premium receivable. Storing,

An information processing method related to insurance contract management, which is executed on a computer.

6. determining the due date of the premium based on the insurance contract data and registering it in the insurance contract data storage;

Extracts the second unpaid insurance contract in which the date before the due date of the insurance premium is not registered as the payment date, and stores the information specifying the second unpaid insurance contract in the storage device as the insurance contract related to the dunning. Steps to

6. The information processing method according to claim 5, further comprising:

7. A step of storing the required recovery amount data in the It device in accordance with the insurance contract related to the transfer of the premium receivables.

7. The information processing method for insurance contract management according to claim 5, further comprising:

8. A step of determining an automatic contract termination date in the case of no insurance premium payment based on the data on the insurance contract and registering the date in the insurance contract data storage unit;

Extract the third unpaid insurance contract in which the date prior to the automatic contract cancellation date is not registered as the deposit date and provide the information identifying the third unpaid insurance contract with the insurance related to the contract cancellation. Storing in a storage device as a contract;

The information processing method for insurance contract management according to any one of claims 5 to 7, further comprising: 9. The step of registering the data of the required recovery amount corresponding to the third unpaid insurance contract in response to the automatic cancellation confirmation

9. The information processing method for insurance contract management according to claim 8, further comprising:

10. Obtaining accident reception data including accident day information;

Extracting an insurance contract that satisfies a predetermined condition, at least one of which relates to an arbitrary combination of the accident date, the insurance start date included in the data on the insurance contract, and the recording date of the insurance contract;

The information processing method for insurance contract management according to any one of claims 5 to 9, further comprising:

11. Receiving cash receipt data relating to the cash receipt of the insurance premium from the customer and including the remittance method from the cash recipient before the data relating to the insurance contract on which the cash receipt is based;

Generating payment schedule data from the received cash receipt data, and registering the data in a storage device;

A payment confirmation step of associating the payment data obtained from the person instructed to remit the insurance premium by the cash receiver with the payment schedule data, and registering at least data indicating that payment has been completed in a storage device;

Obtaining data relating to the insurance contract, excluding insurance deposit data, and registering the data in a storage device;

A step of associating the data relating to the insurance contract with the payment schedule data in which the data indicating the payment has been registered, and registering the data indicating that the insurance payment is possible in a storage device when a predetermined condition is satisfied. When,

An information processing method for insurance payment management, which is executed on a computer.

12. If the remittance method is extreme loan payment, a step of generating data for a loan equivalent to an insurance premium and transmitting the data for the loan to a computer of a lending company.

21. The information processing method according to claim 11, further comprising:

1 3. If the remittance method is store payment, a step of generating a barcode 'data readable at the store and transmitting it to the terminal of the cash receiver

1 4. The payment confirmation step is

Extracting payment target data to be processed based on the source data of the payment data and the data of the remittance method included in the payment data.

The information processing method relating to insurance payment management according to any one of claims 11 to 13, wherein the method includes:

1 5. The payment confirmation step is

A step of generating notification data for the cash collector when payment data corresponding to the payment schedule data is not obtained;

The information processing method according to claim 11, further comprising:

16. A step of outputting at least the scheduled payment data among the data relating to the insurance contract that does not satisfy the predetermined condition and the scheduled payment data registered with the corresponding data indicating that payment has been completed,

The information method for insurance payment management according to any one of claims 11 to 15, further comprising:

17. The computer-implemented information processing method according to any one of claims 1 to 16. The program to make it go.

1 8. A means for acquiring data relating to an insurance contract excluding payment data of insurance premiums and registering the data in a storage device,

A due date determining means for determining a payment period S of the insurance premium based on the data on the insurance contract and registering it in a storage device;

Means for associating the payment data of the insurance premium obtained from the person who collected the insurance premium with the data on the insurance contract, and registering at least the data of the payment date in a storage device;

Based on the relationship between the payment date or the unpaid state and at least the payment date, information on whether or not insurance payment is possible is generated for each insurance contract, and insurance payment availability determination means to be registered in a storage device,

A computer having the system.

1 9. Means for acquiring insurance contract data, including insurance start date information excluding insurance premium payment data, and registering it in the insurance contract data storage unit.

Means for associating insurance payment data acquired from a person who collected insurance premiums with the insurance contract data, and registering at least the payment date data in the insurance contract data storage unit;

Unpaid insurance contracts that have not been paid by the predetermined date set based on the insurance commencement date are extracted, and information specifying the unpaid insurance contracts is stored in the storage device as an insurance contract related to the transfer of premium receivables. Means for storing;

A computer having the system.

20. means for receiving cash receipt data relating to the cash receipt of the insurance premium from the customer and including the method of remittance from the cash receiver before the data relating to the insurance contract on which the cash receipt is based;

Means for generating payment schedule data from the received cash receipt data and registering the data in a storage device; Payment confirmation means for associating the payment data obtained from the person instructed to remit the insurance premium by the cash receiver with the payment schedule data, and registering at least data indicating that payment has been completed in the storage device.

Means for acquiring data relating to the insurance contract excluding insurance deposit data and registering the data in a storage device;

Means for associating the data relating to the insurance contract with the scheduled payment data in which the data indicating that payment has been registered, and registering the data indicating that insurance payment is possible in a storage device;

A computer having the system.