JP6114732B2 - Insurance contract support system - Google Patents

Description

  The present invention relates to an insurance contract support system, and more particularly to an insurance contract support system including a mobile terminal and an insurance contract support server that can be connected to the mobile terminal via a computer network.

  Conventionally, personal insurance contracts are sold in such a way that a sales staff visits the contractor for explanation. At this time, the sales staff creates and brings in advance a plurality of insurance contract design documents. When the contractor selects one of the design documents, the insurance contract application form with the security contents in accordance with the design document is filled in, and the underwriting assessment is started when the sales staff brings the application form back to the company.

  In addition to the application form, an intention confirmation form has been introduced in recent years to confirm whether the coverage of the insurance contract to be applied matches the needs of the policyholder. This entry is also necessary to start the underwriting assessment. In addition, if the medical examination assessment category in the life insurance contract is a notice, the notice is also required.

  In this way, in addition to the application form, it is necessary to fill in an intention confirmation form, a notice form, etc., and thus inadequacies have inevitably occurred. Approximately 30% of the documents received from the contractor have some deficiencies, and the correction must be revisited by the sales staff under the contractor, and there is a delay of several days between the acceptance of the application and the start of the underwriting assessment. Was causing.

  Various embodiments of the present invention provide an insurance contract support system for expediting application acceptance and underwriting assessment of insurance contracts.

  According to a first aspect of the present invention, there is provided an insurance contract support system including a mobile terminal and an insurance contract support server to which the mobile terminal can be connected via a computer network. The mobile terminal includes a plurality of insurance contracts. A storage unit storing design contents associated with each design number; an application screen control unit for controlling an application screen for performing an insurance contract application procedure based on the security content associated with the selected design number; and the application And an input unit for inputting to an input item in the screen.

  According to a second aspect of the present invention, in the first aspect, the plurality of design contents are transmitted from the insurance contract support server to the portable terminal.

  In addition, according to a third aspect of the present invention, in the second aspect, before the insurance contract support server transmits each design content to the portable terminal, the security content by each design content is handled in a predetermined manner. A handling determination unit that determines whether or not the criterion is met is provided.

  In addition, according to a fourth aspect of the present invention, in the third aspect, the insurance contract support server permits the transmission of each design content to the portable terminal only when the result of the determination is affirmative. Features.

  Further, according to a fifth aspect of the present invention, in the third or fourth aspect, the handling determination unit causes the insurance contract support server to carry out a trial calculation instruction for a design document based on any of the plurality of design contents. The determination is made when received from the terminal, and the insurance contract support server permits the display of the trial calculation result on the application screen control unit and the printing of the design document only when the determination result is affirmative. It is characterized by.

  In addition, according to a sixth aspect of the present invention, in any one of the third to fifth aspects, the insurance contract support server further includes a customer information database for managing customer information of each contractor, and the handling determination unit Further performs the determination based on the customer information.

  Further, according to a seventh aspect of the present invention, in any one of the first to sixth aspects, the application content input by the input unit of the portable terminal is associated with the selected design number and the storage unit The mobile terminal further includes an application content transmission unit that transmits the application content stored in the storage unit to the insurance contract support server.

  Further, according to an eighth aspect of the present invention, in the seventh aspect, the application content transmission unit stores the medical information stored in the storage unit in response to a medical examination classification input by the input unit. The selected design number and the examination classification are transmitted to the insurance contract support server, and the insurance contract support server receives the received information on each item for underwriting assessment of the selected design number and the examination classification. It is stored in the stored matter database.

  According to a ninth aspect of the present invention, in any one of the first to eighth aspects, the insurance contract support server further includes a customer information database for managing customer information of each contractor, Along with the transmission, the customer information stored in the customer information database is transmitted from the insurance contract support server to the portable terminal.

  Further, according to a tenth aspect of the present invention, in any one of the first to ninth aspects, the application screen control unit sets a base color between a screen on which a sales staff operates and a screen on which a contractor operates. It is characterized by changing.

  According to an eleventh aspect of the present invention, in any one of the first to tenth aspects, the application screen control unit provides a signature area for handwritten signature in the application screen. .

  Further, a twelfth aspect of the present invention is characterized in that, in the eleventh aspect, the application screen control unit provides the signature area at the end of input of common application contents regardless of the medical examination assessment category. And

  A thirteenth aspect of the present invention is the application according to any one of the first to twelfth aspects, wherein the application screen control unit applies the notice form when the examination classification of the medical examination is handling the notice form. It is displayed on the screen.

  Further, a fourteenth aspect of the present invention is that, in the twelfth aspect, the application screen control unit displays a notice form when the examination classification of the medical examination is handled as a notice form. The signature is displayed on the application screen after the signature.

  Further, a fifteenth aspect of the present invention is the information processing apparatus according to the thirteenth or fourteenth aspect, wherein the input to the notice form is a content written on a paper medium notice with a digital pen by wireless communication. It is performed by being transmitted from the digital pen to the portable terminal.

  In addition, according to a sixteenth aspect of the present invention, in any one of the thirteenth to fifteenth aspects, the application screen control unit may input according to the selected design number among the input items of the notice form. It is characterized by coloring necessary items.

  In addition, according to a seventeenth aspect of the present invention, in any one of the first to sixteenth aspects, the application screen control unit may display an input displayed on the application screen based on the application contents input so far. It is characterized by switching items.

  According to an eighteenth aspect of the present invention, there is provided a portable terminal for underwriting an insurance contract that can be connected to an insurance contract support server via a computer network. A storage unit that is stored in association, an application screen control unit that controls an application screen for performing an insurance contract application procedure according to the security content associated with the selected design number, and input in the input items in the application screen And an input unit for performing the above.

  According to various embodiments of the present invention, a storage unit in which a plurality of design contents of an insurance contract are stored in association with each design number, and an insurance contract application procedure according to the security contents associated with the selected design number are performed. Insurance terminal support that can be connected to a mobile terminal provided with an application screen control unit for controlling an application screen to be performed and an input unit for inputting an input item in the application screen, and the mobile terminal via a computer network By using the server, it is possible to speed up the underwriting of the insurance contract.

  Moreover, according to one aspect of the present invention, it is possible to proceed in parallel with the office work for applying for insurance such as an application form and the part of the work for underwriting assessment, leading to a reduction in time.

It is a figure showing an insurance contract support system in one embodiment of the present invention. It is a block diagram of the portable terminal in one Embodiment of this invention. It is a block diagram of an insurance contract support server in one embodiment of the present invention. It is a figure which shows the example of the examination division | segmentation selection screen in one Embodiment of this invention. It is a figure which shows the example of the intention confirmation screen of the guarantee content in one Embodiment of this invention. It is a figure which shows the example of the signature screen in one Embodiment of this invention. It is a figure which shows the example of the notification form in one Embodiment of this invention. It is a figure which shows the example of the payment method input screen of an insurance premium in one Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 shows an insurance contract support system 100 according to an embodiment of the present invention. The insurance contract support system 100 includes a mobile terminal 110 and an insurance contract support server 120 to which the mobile terminal 110 can be connected via a computer network such as the Internet.

  As illustrated in FIG. 2, the mobile terminal 110 includes an arithmetic processing unit 111 such as a CPU, a storage unit 112 such as a memory, a display unit 113, and an input unit 114. The input unit 114 includes a pen tablet or a touch screen that senses a touch with a finger, a stylus, or the like. In the case of a touch screen, the input unit 114 may be integrated with the display unit 113. The portable terminal 110 is connected to a computer network such as the Internet by wireless communication. The input unit 114 may include a keyboard.

  The insurance contract support server 120 may be composed of a single server or a plurality of servers, but as shown in FIG. 3, an arithmetic processing unit 121 such as a CPU, a storage unit 122, The storage unit 122 may include a customer information database 123 and a case database 124. The customer information database 123 manages customer information such as the name, occupation, and date of birth of each contractor, and the case database 124 stores information on each case for underwriting assessment.

  As illustrated in FIG. 1, the insurance contract support system 100 can further include a payment terminal 130 connected to the mobile terminal 110 by wireless communication. It can also be connected by wired communication.

  In the following, the flow of application for insurance contracts using this system will be described in the order of creating a design document, entering application details, creating a notice, and cashless payment. A specific screen displayed on the display unit 113 of the mobile terminal 110 will be described as an example, but these are merely examples and are not intended to limit the technical scope of the present invention.

(Create design document)
The sales staff prepares the design document before visiting the contractor. The design document can be created by executing a design document creation program on the mobile terminal 110. A design creation program stored in the storage unit 112 is read out and executed by the arithmetic processing unit 111, and the design content is determined by designating the proposed security content using the input unit 114 while confirming the proposed security content on the display unit 113. . Part or all of the design document creation program may be stored in the storage unit 122 of the insurance contract support server 120 and called from the mobile terminal 110. Furthermore, part or all of the arithmetic processing may be executed by the arithmetic processing unit 121 of the insurance contract support server 120. The design document creation program may be displayed using, for example, a web browser. Usually, the sales staff creates a plurality of design contents and visits the contractor, so that a plurality of design contents identified by the design number are determined. Each design content can be stored in the storage unit 122 of the insurance contract support server 120.

  Under the direction of the sales staff, the insurance contract support server 120 determines whether or not the security content defined by each design content is acceptable, in other words, whether or not the insurance company meets the handling standards set in advance by the insurance company. Predetermined mechanically in stages. For example, it is a design that cannot be handled as an insurance company when the contractor, the insured, and the beneficiary of death insurance are in the same contract type, and the total amount of insurance coverage, including existing insurance, is outside the scope of handling. A message to that effect can be displayed on the display unit 113 of the portable terminal 110. By causing the arithmetic processing unit 121 of the insurance contract support server 120 to execute an evaluation program stored in the storage unit 122 for evaluating whether or not such handling is possible, the arithmetic processing unit 121 of the insurance contract support server 120 is executed. Functions as a handling determination unit.

  In addition, a customer information database 123 for managing customer information such as the name, occupation, date of birth, etc. of each contractor is provided in the insurance contract support server 120, and it is possible to comprehensively determine whether or not handling is possible from customer information and design contents. it can. For example, when there is a suspicion of an anti-social force in the name, or when the insurance premium limit by occupation is exceeded, a message that cannot be handled can be displayed.

  This handling determination can be performed by the sales staff pressing a button displayed on the display unit 113 of the mobile terminal 110, for example, a “trial calculation” button. It is also possible to execute a pre-determination before printing based on pressing of a “print” button for printing the created design content as a design document on a paper medium.

  By performing the handling determination in advance as described above, it is possible to prevent a situation in which, after the contractor selects the design content, the security content based on the design content is actually a content that cannot be handled. In particular, if the “Print” button is associated with the execution of handling judgment, the design contents are usually printed on paper before visiting the contractor. You can make it come out.

  Each design content stored in the storage unit 122 on the server side may be transmitted to the mobile terminal 110 at the stage where the pre-determination is completed by pressing the “print” button, for example. At this time, customer information of the visiting contractor may also be downloaded from the customer information database 123. Further, when the sales staff selects the scheduled visit date from the display unit 113 of the mobile terminal 110, the planned visit date and the design content may be transmitted from the insurance contract support server 120 to the mobile terminal 110.

  As described above, when only the design contents that have been determined in advance can be stored in the storage unit 122 of the mobile terminal 110, the sales staff displays the design whose security content is actually unacceptable on the display unit 113. , The risk that the contractor browses can be eliminated.

  Depending on the case, it is also possible to communicate with the insurance contract support server 120 using mobile communication at the visited site, design a new one, and download it to the mobile terminal 110 through prior determination.

(Enter application details)
The sales staff visits the contractor and explains how the insurance contract is applied. The following inputs are all performed on the mobile terminal 110, and data transmission / reception with the insurance contract support server 120 is performed at an appropriate timing as necessary. The application content can be input by executing an application content input program on the mobile terminal 110. By reading out the application content input program stored in the storage unit 112 and executing it by the arithmetic processing unit 111, the arithmetic processing unit 111 can function as an application screen control unit and an application content transmission unit. The application screen control unit transitions the application screen displayed on the display unit 113 in accordance with the input of the sales staff or the contractor, and advances the application procedure for the insurance contract. The application content transmission unit appropriately transmits the application content input as necessary to the insurance contract support server 120, and the insurance contract support server 120 stores it in the case database 124.

  First, a contractor to visit (also referred to as “visit destination”) is selected. At this time, it may take time since each design content and customer information is downloaded to the mobile terminal 110, and the customer information managed in the customer information database 123 of the insurance contract support server 120 may be updated. Synchronize before the start of the procedure.

  In addition, if it does not mind that the input processing operation of the application content is delayed, the design content and customer information are not downloaded to the mobile terminal 110, and these are always communicated with the insurance policy support server 120 by mobile communication. Information may be accessed. Similarly, part or all of the application content input program may be stored in the storage unit 122 of the insurance contract support server 120 and called from the mobile terminal 110. Furthermore, part or all of the arithmetic processing may be executed by the arithmetic processing unit 121 of the insurance contract support server 120.

  Next, the contractor explains the design contents while showing a plurality of design documents printed on a paper medium, and asks one of the design documents to be selected.

  Since the design number is assigned to each design content, the design content having the same design number as the design document selected by the contractor is selected on the application screen.

  Then, on the examination category selection screen (FIG. 4), a category for medical assessment is selected. Depending on the type of coverage, the necessary medical assessments such as notifications, interviews with interviewers, doctors' examinations, etc., differ, but most of the individual insurance contracts are often sufficient only with the notifications.

  When the examination category is confirmed, the design number and the examination category may be transmitted from the mobile terminal 110 to the insurance contract support server 120, and a new management number may be created in the case database 124 of the insurance contract support server 120. In this case, the design number and the examination category are stored in the case database 124 in association with the management number. As the application procedure progresses, the application details may be sequentially stored in the storage unit 112 of the mobile terminal 110 and transmitted to the insurance contract support server 120 at the end of the application procedure, or may be input in real time. The application details may be transmitted to the insurance contract support server 120. In FIG. 4, when the “Proceed” button is pressed, the examination category is fixed and the management number can be created.

  The application process includes entering contractor information (eg name, date of birth, gender, relationship from the insured, occupation, current address), insured information (eg, name, date of birth, gender, occupation, 2) Procedures for sales staff to operate such as input of current address, procedures for insured occupation notification, confirmation of intentions regarding security (Figure 5), reconfirmation of the entire application, etc. There are two categories. The intention confirmation is also made on the portable terminal 110, whereby the intention confirmation is made paperless.

  When customer information is downloaded together with downloading of a plurality of design contents from the insurance contract support server 120 to the portable terminal 110, the contractor information may be automatically reflected. In some cases, the design contents include the contractor information and the insured person information in advance. As described above, there is a possibility that the customer information or the like is changed when actually taking the application procedure of the contract as a problem when using the customer information or the like that is grasped in advance by the insurance company. Therefore, the input application content may be transmitted from the portable terminal 110 to the insurance contract support server 120 when the contractor information, the insured person information, and the like have been input. Here, in the insurance contract support server 120, if a pre-determination is performed as in the design document creation stage, the office work related to the insurance application such as the application form and the part of the work related to the underwriting assessment are performed in parallel. It is possible to proceed. In addition, by changing the color of the display screen between the procedure by the sales staff and the procedure by the contractor, the sales staff can ensure that the contractor performs the part that requires the procedure by the contractor. .

  In addition, on each application screen, display / non-display of input items can be switched according to the input contents so far (interlocking of question items). For example, if the contractor is a minor who is 18 years of age or older, a question item for confirming whether the contractor is a single person or a married person is displayed. If a married person is selected, the parental authority's signature column is hidden. It can be. In addition, switching may be performed according to the occupation of the contractor or the insured. Thus, by displaying only necessary items, it is possible to suppress input mistakes by sales staff or contractors.

  When the information necessary for the application procedure is entered and the content is confirmed by the contractor, the signature screen is displayed (FIG. 6). Here, the contractor is directly signed in the signature area provided on the display unit 113 of the portable terminal 110 using a stylus or the like.

  When the signature is completed and the application content is confirmed, the application content is transmitted to the insurance contract support server 120.

  The application contents stored in the case database 124 can be displayed and confirmed / corrected on the insurance contract support server 120 side.

  In this way, by making the application form and the intention confirmation paperless, it is possible to immediately process the application acceptance and underwriting assessment (real-time processing). Traditionally, it has not been possible to begin processing applications until the sales staff returns to the office around 4 to 6 pm after visiting the contractor. The inspection of the application form could be started on the next day, and in addition, it was inevitable that there was a lack of description in the paper application form. Even after it was confirmed that there were no incomplete descriptions, various procedures such as scanning application forms, OCR processing, and database registration were necessary. The application content is entered in a form that does not cause any inadequacies using the mobile terminal 110, and the necessary data is immediately transmitted to the insurance contract support server 120 at the stage where the application content has been entered and confirmed and signed by the contractor. Therefore, the insurance company can start application acceptance and underwriting assessment quickly without waiting for the sales staff to return to work. The embodiment of the present invention significantly reduces the average time required from insurance application to underwriting assessment in units of several days.

  In addition, by making a pre-determination at an appropriate timing in parallel with application acceptance, the time for underwriting assessment can be shortened.

(Preparation of notice)
When the examination category selected at the start of the application procedure is the handling of a notice, the contents of the notice can be input using the portable terminal 110 following the signature.

  The application screen control unit of the mobile terminal 110 displays the notice form (FIG. 7) on the application screen of the display unit 113. It is possible to color the items that need to be filled in by determining the security content of the contract that the contractor applies from the design number, the management number, etc.

  Input can be performed with a keyboard, a stylus, or the like, or a digital pen that digitizes information handwritten on a paper medium notice and inputs the information to the portable terminal 110 by wireless communication can be used. For example, an Anoto (registered trademark) digital pen that digitally records a pen tip handwriting on a dedicated paper on which a dot pattern is printed can be used. If this digital pen method is adopted, it is possible to electronically fill out the notification form and a paper-based notification is also created, so you can hand over the copy on the spot, eliminating the need to mail the copy to the insured at a later date. . Announcements contain personal information that requires careful handling, and it becomes a big problem if leakage occurs due to misdelivery. In addition, by creating a handwritten notice of the insured person, it is possible to avoid a later dispute regarding the authenticity of the establishment.

  When the entry is completed, the paper medium is transmitted to the insured person, and the notification content is transmitted to the insurance contract support server 120 and can be stored in the case database 124 in association with the management number. The notification contents stored in the case database 124 can be displayed and confirmed / corrected on the insurance contract support server 120 side.

(Cashless payment)
The insurance contract application procedure usually includes payment of the first premium and confirmation of the payment method of the second and subsequent premiums.

  The portable terminal 110 can further be configured to be able to communicate with the payment terminal 130. A payment method input screen is displayed on the display unit 113 of the portable terminal 110 (FIG. 8).

  When a payment method is input and a “Send” button is pressed, a design number, a management number and the like for specifying the payment method and the insurance contract are transmitted to the settlement terminal 130.

  The payment terminal 130 is connected to a financial institution through a computer network such as the Internet, and the payment of the first insurance premium is completed on the spot.

  In the case of card payment, when payment is completed, a receipt is printed from the payment terminal 130. The sales staff may take the receipt home and store it in the project database 124 in association with the management number through a scanning process or the like. By using card payment, accidents related to cash handling can be prevented.

DESCRIPTION OF SYMBOLS 100 Insurance contract support system 110 Portable terminal 111 Operation processing part 112 Storage part 113 Display part 114 Input part 120 Insurance contract support server 121 Operation processing part 122 Storage part 123 Customer information database 124 Case database 130 Settlement terminal

Claims (24)

A system comprising a mobile terminal and a server to which the mobile terminal can be connected via a communication line,
The portable terminal is
Insurance that is created by executing a program and that determines whether or not it meets a handling standard predetermined by the server based on customer information managed in a first database provided in the server A storage unit for storing a plurality of design contents of a contract in association with each design number;
A screen control unit for controlling an application screen for performing an insurance contract application procedure according to the design content associated with the design number selected from the design numbers stored in the storage unit;
An input unit for inputting into the input items in the application screen;
With
The server
A determination unit that determines whether each design content meets a predetermined handling standard;
The first database for managing customer information of each contractor transmitted to the mobile terminal;
A second database for storing the design number, examination category, and notification content in association with the management number;
The screen control unit of the mobile terminal is
Display on the application screen a screen that includes an option to fill out the notice,
When entry to the notice is selected, a notice form is displayed on the application screen,
The notification content entered in the notification form is transmitted from the mobile terminal to the server, stored in the second database in association with a management number,
The screen control unit of the mobile terminal switches the input items displayed on the application screen based on the application contents input so far,
The portable terminal stores the application content input by the input unit in the storage unit in association with the selected design number,
The portable terminal further includes a transmission unit that transmits the application content stored in the storage unit to the server,
The determination unit of the server determines whether each design content meets a predetermined handling standard before the server transmits each design content to the mobile terminal,
The determination unit of the server further performs the determination based on the customer information,
The server permits transmission of each design content to the mobile terminal only when the result of the determination by the determination unit is positive,
The server transmits the customer information stored in the first database together with each design content to the mobile terminal.
A system characterized by that.   The system according to claim 1, wherein the screen control unit displays a screen including, as options, an entry on a notice and an interview with an interviewer on the application screen. The system according to claim 1 or 2, wherein the notification content is input to the notification form via a keyboard, a pen tablet, or a touch screen .   The system according to claim 1 or 2, wherein a design number for specifying a design content of the concluded insurance contract is transmitted from the portable terminal to a settlement terminal.   The system according to claim 1, wherein the plurality of design contents are transmitted from the server to the mobile terminal. The determination unit performs the determination when the server receives a design calculation instruction based on any of the plurality of design contents from the mobile terminal,
The server allows the display of the trial calculation result on the application screen and the printing of the design document only when the result of the determination by the determination unit is affirmative. A system according to any of the above. The application content input by the input unit of the mobile terminal is stored in the storage unit in association with the selected design number,
The portable terminal further includes a transmission unit that transmits the application content stored in the storage unit to the server,
The transmission unit transmits the selected design number and the examination category stored in the storage unit to the server in response to the examination category of the medical assessment being input by the input unit,
The said server stores the received said selected design number and the said examination division in the said 2nd database which stores the information of each case which underwrites assessment, The Claim 1 characterized by the above-mentioned. 7. The system according to any one of 6.   The system according to any one of claims 1 to 7, wherein the screen control unit changes a base color between a screen operated by a sales staff and a screen operated by a contractor.   The screen control unit is provided with a signature area for handwritten signature in the application screen as confirmation of intention of application contents input by the input unit of the mobile terminal and intention display of contract application. The system according to any one of claims 1 to 8.   In the application screen, the screen control unit inputs the common application contents regardless of the examination category of the medical assessment as the intention confirmation of the application contents input by the input unit of the mobile terminal and the intention display of the contract application. 10. The system according to claim 1, wherein a signature area for handwritten signature is provided at the end of.   The system according to any one of claims 1 to 10, wherein the screen control unit displays a notification form on the application screen when a medical examination classification is handling a notification form. The screen control unit
In the application screen, as an intention confirmation of the application content input by the input unit of the mobile terminal and an intention display of the contract application, a signature area for handwritten signature is provided,
12. The method according to claim 1, wherein, when the examination classification of the medical examination is “notification handling”, a notice form is displayed on the application screen after the signing of the signature area by the contractor. The system described in Crab.   The said screen control part colors the item which needs an input among the input items of the notice form displayed on the said application screen according to the said selected design number, The Claim 1 characterized by the above-mentioned. Item 13. The system according to any one of Items 12. A portable terminal that can be connected to a server via a communication line,
Insurance that is created by executing a program and that determines whether or not it meets a handling standard predetermined by the server based on customer information managed in a first database provided in the server A storage unit for storing a plurality of design contents of a contract in association with each design number;
A screen control unit for controlling an application screen for performing an insurance contract application procedure according to the design content associated with the design number selected from the design numbers stored in the storage unit;
An input unit for inputting to the input items in the application screen,
The server
A determination unit that determines whether each design content meets a predetermined handling standard;
The first database for managing customer information of each contractor transmitted to the mobile terminal;
A second database for storing the design number, examination category, and notification content in association with the management number;
The determination unit of the server determines whether each design content meets a predetermined handling standard before the server transmits each design content to the mobile terminal,
The determination unit of the server further performs the determination based on the customer information,
The server permits transmission of each design content to the mobile terminal only when the result of the determination by the determination unit is positive,
The server transmits the customer information stored in the first database together with each design content to the mobile terminal,
The screen control unit of the mobile terminal is
Display on the application screen a screen that includes an option to fill out the notice,
When entry to the notice is selected, a notice form is displayed on the application screen,
The notification content entered in the notification form is transmitted from the mobile terminal to the server, stored in the second database in association with a management number,
The screen control unit of the mobile terminal switches the input items displayed on the application screen based on the application contents input so far,
The screen control unit of the mobile terminal colors the items that need to be input according to the selected design number among the input items of the notification form displayed on the application screen,
The portable terminal stores the application content input by the input unit in the storage unit in association with the selected design number,
It said portable terminal further example Bei a transmitter that transmits the application content stored in the storage unit to the server,
The transmission unit transmits the selected design number and the examination category stored in the storage unit to the server in response to the examination category of the medical assessment being input by the input unit,
The portable terminal determines whether each design content meets a predetermined handling standard, which is performed based on the customer information by the determination unit of the server before receiving each design content from the server. Only when the result of is positive, each design content is received from the server,
The mobile terminal receives the customer information stored in the first database of the server together with each design content from the server.
A portable terminal characterized by that.   The mobile terminal according to claim 14, wherein the screen control unit of the mobile terminal changes a base color between a screen operated by a sales staff and a screen operated by a contractor.   The screen control unit of the mobile terminal provides a signature area for handwritten signature in the application screen as confirmation of intention of application contents input by the input unit of the mobile terminal and intention display of contract application The portable terminal according to claim 14 or 15. A server that can be connected to a mobile terminal via a communication line,
A determination unit for determining whether or not the design content by each design content meets a predetermined handling standard;
A first database for managing customer information of each contractor transmitted to the mobile terminal;
A second database for storing the design number, examination category, and notification content in association with the management number;
The portable terminal is
A plurality of designs of insurance contracts that are created by executing a program and that are judged whether or not they meet handling standards predetermined by the server based on customer information managed in the first database A storage unit for storing the contents in association with each design number;
A screen control unit for controlling an application screen for performing an insurance contract application procedure according to the design content associated with the design number selected from the design numbers stored in the storage unit;
An input unit for inputting to the input items in the application screen,
The screen control unit of the mobile terminal is
Display on the application screen a screen that includes an option to fill out the notice,
When entry to the notice is selected, a notice form is displayed on the application screen,
The notification content entered in the notification form is transmitted from the mobile terminal to the server, stored in the second database in association with a management number,
The screen control unit of the mobile terminal switches input items displayed on the application screen based on the application contents input so far,
The portable terminal stores the application content input by the input unit in the storage unit in association with the selected design number,
The portable terminal further includes a transmission unit that transmits the application content stored in the storage unit to the server,
The determination unit of the server determines whether each design content meets a predetermined handling standard before the server transmits each design content to the mobile terminal,
The determination unit of the server further performs the determination based on the customer information,
The server permits transmission of each design content to the mobile terminal only when the result of the determination by the determination unit is positive,
The server, with each design content, transmits the customer information stored in the first database to the mobile terminal,
The server receives the application content stored in the storage unit of the mobile terminal from the mobile terminal,
The server stores the selected design number and the examination category stored in the storage unit of the portable terminal in response to the examination category of the medical examination being input by the input unit of the portable terminal. Received from the device,
The server stores the received selected design number and the examination classification in the second database that stores information of each case for underwriting assessment,
The server receives the notification content input in the notification form on the application screen displayed on the mobile terminal from the mobile terminal and stores it in the second database in association with a management number.
A server characterized by that.   The server according to claim 17, wherein the determination unit of the server performs the determination when the server receives a design document trial calculation instruction based on any of the plurality of design contents from the mobile terminal. The determination unit of the server performs the determination when the server receives a trial calculation instruction of a design document based on any of the plurality of design contents from the mobile terminal,
The server according to claim 17 or 18, wherein the server permits display of the trial calculation result on the application screen only when a result of the determination by the determination unit is positive. A determination unit that determines whether or not each design content meets predetermined handling standards, a first database that manages customer information of each contractor transmitted to the mobile terminal, a design number, and an examination category And a second database that stores the notification contents in association with the management number, and a server,
A portable terminal connectable to the server via a communication line;
A method performed between
Before the server transmits each design content to the portable terminal, the determination unit is used to determine whether each design content meets a predetermined handling standard based on the customer information. Steps,
Allowing the server to transmit each design content to the mobile terminal only when the result of the determination by the determination unit is positive;
The server transmits the customer information stored in the first database together with each design content to the mobile terminal;
Insurance in which the portable terminal is created by executing a program, and whether or not the server meets a handling standard predetermined by the server based on customer information managed in the first database Storing a plurality of design contents of the contract in the storage unit in association with each design number;
The portable terminal controlling an application screen for performing an insurance contract application procedure according to a design content associated with a design number selected from the design numbers stored in the storage unit; A screen including an option to fill in a form as an option on the application screen, and when an entry to the notice is selected, a step of displaying a notice form on the application screen. And switching the input items displayed on the application screen based on the application contents input so far,
The mobile terminal performs input to input items in the application screen, and includes storing application contents input by the mobile terminal in a storage unit in association with the selected design number When,
The mobile terminal is a step of transmitting the notification content input in the notification form to the server, the mobile terminal transmitting the application content stored in the storage unit to the server. Steps,
The server stores the notification content received from the mobile terminal in the second database in association with a management number;
A method comprising the steps of:   21. The method according to claim 20, wherein the mobile terminal changes a base color between a screen operated by a sales staff and a screen operated by a contractor. The mobile terminal includes an input unit for inputting to the input items in the application screen, and in the application screen, the intention confirmation of the application content input by the input unit of the mobile terminal and the intention of contract application The method according to claim 20 or 21, wherein a signature area for handwritten signature is provided as an indication.   The said determination part of the said server performs the said determination, when the said server receives from the said portable terminal the trial calculation instruction | indication of the design document based on either of these design contents, The any one of Claim 20-22 The method described in 1. The determination unit of the server performs the determination when the server receives a trial calculation instruction of a design document based on any of the plurality of design contents from the mobile terminal,
The method according to any one of claims 20 to 23, wherein the server permits display of the trial calculation result on the application screen only when the result of the determination by the determination unit is positive.

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