JP2006023863A - Traveling insurance subscription system by cellular phone and server of insurance company to be used by the same system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a traveling insurance subscription system by a portable telephone considering the convenience of the access and input of a customer. <P>SOLUTION: In this traveling insurance subscription system, a server 50 of an insurance company is provided with a media code presence/absence judgement processing means 57 for transmitting an inquiry picture of media code showing each agent entered in an insurance guidance pamphlet preliminarily distributed to each agent, and for transmitting a significant item notification picture including agreement/disagreement confirmation buttons when there is not any media code in a reply to this. When there is not any media code, the significant item notification picture including agreement/disagreement confirmation buttons is transmitted so that it is possible for a customer using a portable telephone to perform access, and to widen the chances of access regardless of whether or not the customer knows the medial code. Also, it is possible for the customer to surely perform agreement confirmation, and to smoothly advance the following procedures without any anxiety. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a travel insurance subscription system using a mobile phone and an insurance company server used therefor. In particular, the present invention relates to a travel insurance subscription system using a mobile phone with a simple subscription procedure.

  Until now, the destination information and the departure point information of the travel are received from the navigation device, and based on this, one or more specific insurance products are transmitted to the navigation device by the communication device, and the user passes through the navigation device. There has been proposed a travel insurance reception device that receives a proposal of an insurance product suitable for a trip planned by the user and can make a contract (Patent Document 1).

Also, as recently seen in the overseas travel accident insurance subscription service system on the Internet, from the overseas travel agency site, linked to the insurance company site via the Internet, the customer on the computer, all of the travel insurance contract procedure Some can complete.
JP 2003-281373 A (summary, FIG. 1)

  However, in the conventional travel insurance policy procedure system as described above, it is difficult to simply apply for a subscription without choosing a time and place. Therefore, an access method through a mobile phone can be considered, but in this case as well, it is necessary to consider the convenience of customer access and input. In particular, in recent years when overseas trips are frequently performed and urgent overseas business trips occur, the above-described simplicity is a very important requirement for a system for taking out a travel insurance. Therefore, the problem to be solved by the present invention is to provide a travel insurance enrollment system using a mobile phone in consideration of the convenience of customer access and input.

  In order to solve the above-described problems, the present invention provides a travel insurance enrollment system using a mobile phone that allows a mobile insurance company to access a server of an insurance company via the Internet via a mobile phone company server and to make a travel insurance enrollment procedure. If the server sends a media code inquiry screen indicating each agency, which is filled in the insurance information brochure distributed to each agency in advance, and there is no media code in the reply to it, it is important to include an agreement / disagreement confirmation button A travel insurance enrollment system using a mobile phone having media code presence / absence determination processing means for sending a matter notification screen.

  In this way, if there is no media code transmission, an important matter notification screen including consent and disagreement confirmation buttons will be sent, so it is possible to access regardless of knowing the media code, and the customer's access opportunities will expand In addition, the customer can confirm the consent and can proceed with the subsequent procedures smoothly.

  Also, the server of the insurance company sends a premium calculation data inquiry screen next to the top page, receives the data of the travel destination and the travel period, calculates the insurance premium, and uses a mobile phone having a premium calculation means for notifying With the travel insurance subscription system, mobile phone customers can receive a premium estimate at the outset by simply inputting data on the travel destination and travel period, and proceed with the rest of the procedure with peace of mind. it can.

  The mobile phone further includes a URL reply server that receives an e-mail addressed to the abbreviation address from the mobile phone and returns the URL of the target insurance company, and the mobile phone receives the access from the mobile phone based on the URL. With the travel insurance system, the customer's initial access is easier than the customer's access to the mobile phone, as compared to entering a URL consisting of a large number of characters into the mobile phone. Can be increased.

  The mobile phone further includes a link button to the insurance company server added to the site displayed on the mobile phone screen, and the insurance company server receives access from the mobile phone by the link button. With this system, the customer can access the insurance company site more easily than with a single-click operation on the link button, compared with the case where the customer's initial access is a URL consisting of many characters. Can be increased.

  In addition, the insurance company server used in the travel insurance enrollment system using a mobile phone that can access the insurance company server via the Internet via the mobile phone company server from the mobile phone, and is used for the travel insurance enrollment system using a mobile phone, The media code that sends the inquiry screen of the media code indicating each agency described in the insurance information pamphlet distributed to, and sends the important matter notification screen including the agreement and disagreement confirmation buttons when there is no media code in response If it is a server of an insurance company used in a travel insurance participation system using a mobile phone having presence / absence determination processing means, if there is no media code transmission, an important matter notification screen including consent and disagreement confirmation buttons will be sent, so the media Access is possible regardless of knowing the code. Spread access opportunities, also, customers can ensure the agreement confirmation, can smoothly advance that the subsequent procedure.

  In addition, an insurance premium calculation data inquiry screen is sent next to the top page. The insurance used for a travel insurance subscription system using a mobile phone having an insurance premium calculation means that receives the data of the travel destination and travel period and estimates the insurance premium. If it is a company server, a customer using a mobile phone can receive an estimate of the insurance premium at the beginning by simply inputting data of the travel destination and travel period, and the subsequent procedures can proceed with peace of mind.

  In addition, the server of the insurance company in the above is not only a server that is under the control of the insurance company itself, but also a server that the insurance company requests management, or a server that the insurance company borrows a part or all of Is included.

  According to the present invention, when a media code inquiry screen indicating each agency filled in an insurance information pamphlet distributed to each agency in advance is sent and there is no media code in response, an agreement / disagreement confirmation button Since there is a media code presence / absence judgment processing means to send an important matter notification screen including the message, if the customer does not have a media code, an important matter notification screen including an agreement / disagreement confirmation button will be sent. Regardless of knowing the media code, access is possible and the opportunities for access are widened. Further, the customer can confirm the consent, and the subsequent procedures can be carried out smoothly and safely.

  Embodiments of the present invention will be described below with reference to the drawings.

  FIG. 1 is a configuration diagram showing an example of access means from a mobile phone to an insurance company server. FIG. 2 is a block diagram of the URL reply server of the mail company used for the access means of FIG. FIG. 3 is a display screen diagram of a mobile phone for explaining another example of access means from the mobile phone to the insurance company server according to the present invention. FIG. 4 is a block diagram showing components related to a travel insurance subscription system using a mobile phone of the insurance company server. FIG. 5 is a flowchart showing an exchange signal between the insurance company server shown in FIG. 4 and the customer's mobile phone. FIG. 6 is an image diagram sequentially displayed on the customer mobile phone screen in the embodiment of FIG.

  Based on FIG. 1 and FIG. 2, the structure of an example of the access means from a mobile telephone to an insurance company server is demonstrated. The insurance company S requests each insurance agency I through the route Q1 to install and distribute a travel insurance information brochure. This information pamphlet includes an explanation of important matters in the contract, an abbreviation (usually about 3 characters) of the mail address for accessing the travel insurance server of the insurance company S, and a media code that identifies the agent that installs and distributes the pamphlet. Is appended. Based on this pamphlet, customer K sends a mail address abbreviation from customer K's mobile phone 10 as signal S1, and server 20 of mobile phone company L adds the domain name below @ (at mark), It is transmitted to the server 30 as a signal S2. The server 30 specifies the URL by the correspondence data between the abbreviation and the original URL, attaches this URL to the reply mail to the customer K, and returns it as a signal S3. The server 20 of the mobile phone company L returns this as a signal S8 to the mobile phone 10 of the customer K.

  Here, the URL reply server 30 of the mail company M will be described with reference to FIG. The receiving means 31 that receives the signal S2 with the abbreviation, the URL selection section 34 that selects the original URL using the data of the correspondence data section 33 that has the correspondence data between the abbreviation and the original URL, and a reply with the selected URL added as a reply The signal S3 is transmitted to the server 20 via the Internet 5 via the means 32.

  The customer K accesses the server 50 of the insurance company S by sending a signal S4 to the URL obtained from the server 20. This signal is sent as a signal S5 from the server 20 through the Internet 5 to the server 50 of the insurance company S, and communication with the travel insurance subscription procedure site is started. The signal S6 from the insurance company server is sent to the mobile phone 10 of the customer K as the signal S7 via the Internet 5 and the server 20 of the mobile phone company L. In addition, transmission / reception between the mobile phone 10 and the server 20 of the mobile phone company L is based on radio wave communication.

  Normally, according to the access means of FIG. 1, an abbreviation (usually about 3 characters) of a mail destination for accessing the travel insurance server 50 of the insurance company S is input from the mobile phone 10, and a reply with a formal URL is provided. Wait for the mail, access the travel insurance server 50 of the insurance company S, and in this travel insurance enrollment procedure, send the media code that specifies the agent that installs and distributes the insurance company brochure from the mobile phone 10 Will proceed.

  Next, another example of the means for accessing the insurance company server from the mobile phone according to the present invention will be described with reference to FIG. FIG. 3 is a diagram showing a display screen of a mobile phone. A link button 15 for linking to an insurance company server is provided on a mobile phone site screen 11 of a travel agency, a bank, or the like. As a result, access to the insurance company server from the mobile phone is easily performed by simply clicking the link button. It is more convenient that the link destination of the link button is a direct link to the travel insurance application site.

  Next, the server 50 of the insurance company S will be described based on the configuration diagram showing the components related to the travel insurance subscription system using the mobile phone of FIG. The components related to the travel insurance subscription system using the mobile phone of the server 50 of the insurance company S are the reception / transmission means 51 for exchanging the reception signal S5 and the transmission signal S6 through the external Internet, and the respective reception signals (R ) And a transmission signal (U and a number are shown in the figure), top page display means 52, insurance premium calculation means 53, notice / question means 55, media code presence / absence discrimination processing Means 57 and contract processing means 59 are included.

  The top page display means 52 is configured to receive a URL access signal R1 from the customer's mobile phone 10 and return a signal U0 for displaying the top page.

  The insurance fee calculation means 53 receives the insurance fee calculation inquiry section 531 for sending the insurance fee calculation screen information for inquiring only the travel destination and the travel period by the signal U1, and receives the basic data of the travel destination and the travel period from the mobile phone 10 of the customer. The travel destination / travel period storage unit 533 for storing these data, the database 535 for storing insurance trial calculation item data, and the insurance premium from the data of the database 535 and the travel destination / travel period storage unit 533 are estimated, and the trial calculation result is obtained. An insurance premium calculation unit 537 for transmission is included.

  The notification / question means 55 includes a notification / question unit 551 that transmits a signal U3 that presents a question about an insured person and a notification about insurance payment, and receives response data as a signal R5.

  The media code presence / absence determination processing means 57 inquires about a media code for specifying an agent, notifies an important matter when there is no reply, and inquires for consent. A media code inquiry unit 571 that issues a media code inquiry signal U5. The media code information signal R7 is received, the presence / absence of receipt is determined, the handling agent is determined with reference to the database 575 for comparing the media code and the handling agent, and the media code and the handling agent name of the agent are determined. When the media code discriminating unit 573 that notifies the mobile phone 10 as the signal U6, the comparison database 575, and the media code discriminating unit 573 determine that no media code information is received, the data is extracted from the important matter data unit 572 in response to the notification. The important matter notification unit 57 for sending the important matter as the signal U7 When it is determined that the important matter data portion 572 and the media code information are not received, a subscription consent inquiry signal U11 is received in response to the notification, and an agreement reply or disagreement reply signal R11 is received. A consent inquiry section 579 for recording.

  Further, the contract processing means 59 transmits a contract information inquiry section 591 for inquiring contract information by a signal U13, a contract information recording section 592 for receiving and recording a reply of contract information as a signal R13, and a signal U15 for confirming the application content. The application content confirmation unit 593 that receives the response signal R15, the inquiry about the payment method of the insurance premium by the signal U17, the settlement inquiry unit 595 that obtains the response such as credit card information by the signal R16, and finally the notification of contract establishment is signal U19 The contract establishment notifying unit 598 to be notified is included. The result of the response signal R16 such as credit card information is sent to the settlement means 61 outside the server.

  Although mentioned in the above description of the configuration of FIG. 4, the flow of the procedure will be described based on FIGS. 5 and 6 to 8. FIG.

  FIG. 5 is a flowchart showing an exchange signal between the insurance company server 50 shown in FIG. 4 and the mobile phone 10 of the customer, and shows that time elapses from the top to the bottom of the figure. In addition, the signal from the telephone 10 of the customer K is indicated by an arrow pointing R to the right. The signal from the server 50 of the insurance company S is indicated by an arrow pointing U to the left.

  6 is an image diagram sequentially displayed on the screen of the customer's mobile phone in the embodiment of FIG. 4, FIG. 7 is an image diagram subsequent to FIG. 6, and FIG. 8 is an image diagram subsequent to FIG. In any of FIGS. 6 to 8, time elapses from the left to the right in the figure.

  Upon receiving the access signal R1 from the mobile phone 10 shown in FIG. 1 or 3 by the URL to the server 50, the server 50 returns the top page display shown in the display screen G1 of FIG. 6 by the signal U0. By clicking the “Insurance Trial Calculation / Application” button on the top page screen G1 on the mobile phone 10, an insurance premium trial question screen G2 is transmitted by a signal U1. By answering the travel destination and travel period questions on this insurance premium trial question screen G2 and clicking the “premium premium calculation” button below it, the trial result screen G3 is sent on the mobile phone screen by the signal U2. .

  When the “Next” button on the screen G3 is clicked, a notice and a question on the screen G4 are displayed by a signal U3. The answer is made by clicking one of the buttons “all“ No ”” and “at least one“ Yes ”” at the bottom of the screen, and sent to the server 50 as a signal R5.

  Next, a media code (pamphlet code) inquiry screen G5 described in the pamphlet is transmitted by the signal U5. When the mobile phone 10 has a pamphlet and the media code is known, the media code is input. When the pamphlet is not present, for example, when the insurance company server 50 is accessed from the link button in FIG. Click the “Next” button. As a result, the handling agent information screen G6 is transmitted from the server 50 as the signal U6. In the cellular phone 10, the confirmation button or the change button is clicked, and a reply is made with a signal R9. When the media code column is blank, the media code presence / absence discrimination processing means 57 transmits an important matter as a signal U7, and makes a subscription agreement inquiry as a signal U11. In response to the inquiry of consent, the cellular phone 10 responds with a signal R11 by clicking a button of “I agree” or “I do not agree”. If the answer “I do not agree” is received, the next image G8 is not transmitted. In other cases, the contract information input screen G8 is transmitted from the server 50 by the signal U13. In the mobile phone 10, the contract information input screens G8 and G9 are displayed by clicking the “Next” button on the screen G8 and inputting the contract information one after another. In this case, the screens G8 and G9 are sent from the insurance company server 50 each time the button is clicked. In the example of FIG. 5, these signals are collectively displayed in the contract information inquiry signal U13 and the contract information. This is representatively shown as a reply signal R13. In the case of a mobile phone, since the screen is small, such a divided display is convenient. By clicking the “Next” button on the screen G9 of the cellular phone, application confirmation screens G11 and G12 are sent by a signal U15 (G11 and G12 are clicked one after another, but the signal is represented by U15. ), And a reply reply to the “confirm” button or “change” button is sent to the server 50 as a signal R15. When this reply answer is confirmation, settlement inquiry screens G13 and G13 of the insurance premium payment method are transmitted from the server 50 by a signal U17. When information about a payment method such as a credit company name, a card number, and a card expiration date is input from the mobile phone 10 and the “apply” button is clicked, it is sent to the server 50 by a signal R16. Thereafter, a contract establishment notification screen G15 including the contract contents and contact information of each place is transmitted from the server 50 as a signal U19.

  Thereafter, an official contract certificate and pocket guide are sent from the insurance company S to the customer who has contracted as shown in the route Q2 in FIG.

  As described above, the travel insurance enrollment system using a mobile phone according to the present invention facilitates travel insurance enrollment procedures, is useful for insurance business, and can be used for promotion of insurance business.

It is a block diagram which shows an example of the access means to the insurance company server from the mobile telephone by this invention. It is a block diagram of the URL reply server of the mail company used for the access means of FIG. It is the display screen figure of a mobile telephone explaining the other example of the access means to the insurance company server from the mobile telephone by this invention. It is a block diagram which shows the component relevant to the travel insurance subscription system by the mobile telephone of the insurance company server as one embodiment by this invention. It is a flowchart which shows the exchange signal of the insurance company server shown in FIG. 4, and a customer's mobile phone. It is an image figure displayed one by one on the customer mobile telephone screen in embodiment of FIG. FIG. 7 is an image diagram sequentially displayed on the customer mobile phone screen in the embodiment of FIG. 4 following FIG. 6. FIG. 8 is an image diagram sequentially displayed on the customer mobile phone screen in the embodiment of FIG. 4 following FIG. 7.

Explanation of symbols

  10 Customer K mobile phone, 20 Mobile phone company L server, 30 Mail company M server, 31 Receiving means, 32 Reply means, 33 Corresponding data part, 34 URL selection part, 50 Insurance company S server, 51 Transmission means, 52 Top page display means, 53 Insurance premium calculation means, 55 Notification / question means, 57 Media code presence / absence determination processing means, 59 Contract processing means, 61 Settlement means, 531, Insurance premium calculation inquiry section, 533 Travel destination / travel Period storage section, 535 Database that stores insurance trial calculation item data, 537 Insurance premium calculation section, 551 Notification / question section, 571 Media code inquiry section, 572 Important matter data section, 573 Media code discrimination section, 575 Media code and handling agent Comparison database with stores, 579 Important matter notification section, 579 Agree Inquiry section, 591 Contract information inquiry section, 592 Contract information recording section, 593 Application content confirmation section, 595 settlement inquiry section, 598 Contract establishment notification section.

Claims (6)

In a travel insurance enrollment system using a mobile phone that can access the insurance company's server from the mobile phone through the mobile phone company's server and access the insurance company's server,
The insurance company server is
If you send a media code inquiry screen indicating each agency, which is filled in the insurance information pamphlet distributed to each agency in advance, and there is no media code in response to this, a notice screen for important matters including consent and disagreement confirmation buttons A travel insurance enrollment system using a mobile phone, characterized by having media code presence / absence discrimination processing means for sending a message. The insurance company server is
The mobile phone according to claim 1, further comprising an insurance premium calculation means for sending an insurance premium estimation data inquiry screen next to the top page, receiving the data of the travel destination and the travel period, and estimating and notifying the insurance premium. Travel insurance subscription system by phone.   It further includes a URL reply server that receives an e-mail addressed to the abbreviation address from the mobile phone and returns the URL of the target insurance company, and the insurance company server receives access from the mobile phone based on the URL. A travel insurance enrollment system using a mobile phone according to claim 1 or 2.   A link button to the server of the insurance company added to the site displayed on the screen of the mobile phone is further included, and the server of the insurance company receives access from the mobile phone by the link button. Item 4. A travel insurance enrollment system using a mobile phone according to any one of Items 1 to 3. A server of the insurance company used in a travel insurance enrollment system using a mobile phone that can access the insurance company server from the mobile phone via the mobile phone company server via the Internet,
If you send a media code inquiry screen indicating each agency, which is filled in the insurance information pamphlet distributed to each agency in advance, and there is no media code in response to this, a notice screen for important matters including consent and disagreement confirmation buttons A server of an insurance company for use in a travel insurance enrollment system using a mobile phone, characterized by having media code presence / absence determination processing means for sending a message. 6. The mobile phone according to claim 5, further comprising an insurance premium calculation means for sending an insurance premium estimation data inquiry screen next to the top page, receiving the data of the travel destination and the travel period, and estimating and notifying the insurance premium. A server of an insurance company used for a travel insurance enrollment system by telephone.

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