JP6853795B2 - Contract documents and contract system - Google Patents

Description

The present invention relates to contract documents and contract systems for making contracts and payments.

Conventionally, contract documents for contract applications such as non-life insurance and life insurance have been known. This type of contract document is an important matter explanation for explaining important matters related to the contract, a confirmation of intention to confirm the intention of the contract, and payment for paying the fee associated with the contract at a bank or convenience store. In many cases, the form etc. was a separate form (see, for example, Cited Document 1).

Japanese Unexamined Patent Publication No. 2004-284268

However, in the contract documents based on the above-mentioned conventional technology, the important matter explanation, the intention confirmation, the payment form, etc. are separate forms, so the contractor or the prospective customer can use the important matter explanation, the intention confirmation, etc. In some cases, the fee was paid using the payment form without fully confirming. For this reason, troubles such as paying the contract and the fee with a plan different from the contract plan intended by the contractor or the prospective customer may occur. Therefore, there is a demand for contract documents that allow the policyholder or prospective customer to reliably perform a series of steps from product explanation, intention confirmation, important matter explanation, contract application, and insurance premium application at the time of insurance purchase. In addition, even when the online payment method is used for insurance premium payment, there is a strong need for customers who want to carry out a series of procedures from product explanation, intention confirmation, important matter explanation, and insurance application at the time of insurance subscription in documents. ..

An object of the present invention is to integrate a series of flow related to explanation of contract contents and transfer, and to provide contract documents that allow a contractor or a prospective customer to proceed with a contract procedure step by step.

In the contract document, the present invention is bound to the explanation part in which the explanation of the contract contents is described, the payment part including the payment form related to the contract contents, and the back of the payment part. One edge is bound, and the other edge is connected to the explanatory portion, and a cover portion for binding the paying portion to a bag is provided between the explanatory portion.

In this case, the payment unit may have a smaller paper surface area than the explanation unit. The other edge of the cover portion is joined and connected to the explanatory portion, and the payment paper may be exposed by peeling the other edge from the explanatory portion. In the explanatory portion, a cutting portion for cutting the explanatory portion is formed in the vicinity of the other edge of the cover portion along the other edge, and when the explanatory portion is cut using the cutting portion. The payment form may be exposed. The payment form may be formed by defining a part of the payment portion with a cut line, and a sticker may be attached across the cut line. The sticker may be affixed to the surface of the payment portion on the side of the explanation portion. The sticker may be attached closer to the other edge side of the cover portion than the center of the payment portion. The paying portion may be formed with a storage area for reattaching and storing the peeled sticker. The explanation section includes a partition section for partitioning the contract contents for each item, and a partition section that is bound in a traditional Chinese bookbinding between the adjacent partition sections and has a paper surface area smaller than that of the partition section. You may. The payment unit may include a QR code (registered trademark) or a barcode for linking to online payment including credit card payment and convenience store payment. It may be a contract system characterized by making an online payment using the above-mentioned contract documents.

In the present invention, it is possible to integrate a series of flows related to explanation of contract contents and transfer, and to realize a contract document that allows a contractor or a prospective customer to proceed with a contract procedure step by step.

FIG. 1 (a) is a front view showing a contract document according to the first embodiment, and FIG. 1 (b) is a bottom view showing an enlarged view of the edge side end portion thereof. FIG. 2A is a front view showing a state in which the page corresponding to the first step of the contract document is opened, and FIG. 2B is a bottom view showing an enlarged view of the edge side end thereof. Is. FIG. 3A is a front view showing a state in which a page corresponding to the second step of the contract document is opened, and FIG. 3B is a bottom view showing an enlarged view of the edge side end thereof. Is. FIG. 4 (a) is a front view showing a state in which a page corresponding to the third step of the contract document is opened, and FIG. 4 (b) is a bottom view showing an enlarged view of the edge on the edge side. Is. FIG. 5 (a) is a front view showing a state in which a page corresponding to the fourth step of the contract document is opened, and FIG. 5 (b) is a bottom view showing an enlarged view of the edge on the edge side. Is. FIG. 6A is a front view showing a contract document according to the second embodiment, and FIG. 6B is a bottom view showing an enlarged view of the edge side end portion thereof. FIG. 7 shows how the page corresponding to the first step of the contract document is opened. FIG. 8 is a bottom view showing how the page corresponding to the fourth step of the contract document is opened.

Hereinafter, preferred embodiments of the present invention will be described with reference to the drawings.
(First Embodiment)
FIG. 1 (a) is a front view showing a contract document according to the first embodiment, and FIG. 1 (b) is a bottom view showing an enlarged view of the edge side end portion thereof.

As shown in FIG. 1 (a), the contract document 10 according to the present embodiment is a booklet used for a new application for non-life insurance and an application for continuous insurance, and as shown in FIG. 1 (b), an explanation unit. 1, a payment portion 2, and a back cover (cover portion) 3 are provided.

The explanation unit 1 describes the contents of the contract, such as product explanation, confirmation of intention, explanation of important matters, contract application, etc. at the time of taking out insurance. The explanation unit 1 according to the present embodiment is composed of five sheets including the cover 1c.

The explanation unit 1 is a partition portion 1b for partitioning the contract contents for each item, and a partition portion 1c which is bound in a traditional Chinese bookbinding between the adjacent partition portions 1b and 1b and has a paper surface area smaller than that of the partition portion 1b. It has. That is, in the explanation unit 1, the edges of the adjacent partition portions 1b and 1b are adhered to each other to form a bag binding, and if necessary, the partition portion 1c which is an important matter explanation or the like is placed in the bag binding. It is included and bound. In the present embodiment, a normal adhesive is used to bind each page, but for the bonding on the edge side, once the bonded pages are peeled off, they are not bonded again. Pseudo-adhesion to have is used. This pseudo-adhesion is performed in the pseudo-adhesion region A in the figure. In the present embodiment, the edges of each page other than the partition portion 1c and the payment portion 2 having a smaller paper surface area than the other pages are adhered by pseudo-adhesion. Every time the page is opened, the content of the procedure is narrowed down toward the conclusion of the contract.

The payment unit 2 is bound as a page behind the explanation unit 1, and includes two payment forms 4 and 4 related to the contract contents in the present embodiment. These payment units 2 have a smaller paper surface area than the explanation unit 1. The two payment forms 4 and 4 correspond to different insurance plans, and the policyholder or prospective customer cuts out and uses only one of the payment forms 4 and 4 corresponding to the insurance plan that the prospective customer wants to join. Fees are paid at stores and banks.

On the back cover 3, one edge 3a (see FIG. 5A) is bound as a page behind the payment portion 2, and the other edge 3b on the fore edge side is bonded and connected to the explanatory portion 1 by pseudo-adhesion. The payment unit 2 is included in the bag binding between the explanation unit 1 and the explanation unit 1. When the contractor or the prospective customer peels off the other edge 3b from the explanatory portion 1, the fore edge of the bag binding is opened to expose the payment portion 2.

Next, as an example, the step of grasping the intention regarding the contract renewal procedure for non-life insurance products, that is, the procedure for reading the contract documents will be described. The same step for grasping the intention will be applied to the new contract procedure. FIG. 2A is a front view showing a state in which the page corresponding to the first step of the contract document is opened, and FIG. 2B is a bottom view and a view showing an enlarged view of the edge side end thereof. 3 (a) is a front view showing a state in which the page corresponding to the second step of the contract document is opened, and FIG. 3 (b) is a bottom view showing an enlarged view of the edge side end thereof, FIG. 4 (A) is a front view showing a state in which a page corresponding to the third step of the contract document is opened, and FIG. 4 (b) is a bottom view showing an enlarged view of the edge on the edge side, FIG. 5 (Fig. 5). a) is a front view showing a state in which a page corresponding to the fourth step of the contract document is opened, and FIG. 5 (b) is a bottom view showing an enlarged view of the edge on the edge side.

First, as shown in FIG. 2A, when the contractor peels off the pseudo-adhesion on the edge side of the cover 1a of the contract document 10, the description regarding the first step appears. At this time, as shown in FIG. 2B, the pseudo-bonded pages other than the cover 1a maintain the state in which the edge side is bonded.

In the first step, the intention grasp is estimated, and the main intentions and information are grasped for the contractor who desires compensation for the purchase of automobiles and real estate. As an actual process, for example, when the contractor's answer to the described question is "yes", the contractor repeats the process of proceeding to the next question to grasp various information. I will go. The content of the question is the name and address of the contractor. In this embodiment, because of the contract renewal procedure, the name, address, etc. are printed in advance, and it is only necessary to confirm whether or not the described contents are correct.

After completing the first step, then, as shown in FIG. 3A, when the contractor peels off the pseudo-adhesion on the edge side of the next page of the contract document 10, the description regarding the second step is described. Appears. At this time, as shown in FIG. 3B, the rear pseudo-bonded page maintains the state in which the edge side is bonded.

The second step is to propose and explain an insurance product plan. Here, individual plans are created and proposed, and the main intentions and comparison of individual plans are described, and the relationship between the policyholder's intentions grasped by the insurance company and the individual plans is explained in an easy-to-understand manner. Is described. As for the actual processing, for example, in the case of contract renewal procedure, the contract content and fee, etc. between the plan that was substantially the same as the plan contracted in the previous year and another plant newly recommended to the contractor this time, etc. In the case of a new contract, the contract details and fees of the plan newly recommended to prospective customers are explained using the table.

After completing the second step, as shown in FIG. 4A, when the contractor peels off the pseudo-adhesion on the edge side of the partition portion 1b, which is the next page of the contract document 10, the second step is completed. A description of step 3 appears. At this time, as shown in FIG. 4B, since the pseudo-adhesion between the pair of partition portions 1b and 1a is peeled off, the bag binding is opened and the partition portion 1c to be included is exposed. Since the partitioned portion 1c is not pseudo-bonded, the page can be easily turned.

In the third step, the important matter explanation is disclosed to the contractor, the contractor is urged to confirm the important matter explanation, and it is confirmed whether the contractor's final intention matches the selected plan. To urge. Here, for example, when the contractor's answer is "yes" to a question such as "Did you confirm the important matter explanation?", The contractor fills out the form on the last page of the explanation section 1. Encourage them to remove it from the back cover 3.

After completing the third step, as shown in FIG. 5A, when the contractor peels off the pseudo-adhesion on the edge side of the partition portion 1b, which is the final page of the explanation portion 1, the fourth step is completed. A description of the steps appears. At this time, as shown in FIG. 5B, the pseudo-adhesion between the explanatory portion 1 and the back cover 3 is peeled off, the bag binding is opened, and the included payment portion 2 is exposed. Since the pay-in portion 2 is not pseudo-bonded, the page can be easily turned.

In the fourth step, before the conclusion of the contract, it is confirmed whether the intention of the policyholder and the contents of the insurance contract to be applied for are matched, that is, the final confirmation of the intention is urged. To confirm this intention, for example, on the sticker 5, "<Please read> Please agree to the following contents, remove the sticker yourself, separate the payment slip, and then pay at the convenience store. Please attach the peeled sticker to the designated place on the top and store it. Check the important matter explanation, confirm that there is no difference in the items described in the contract guide, and accept the contents. I will pay the premium and apply for an insurance contract. "

The payment form 4 is formed by defining a part of the payment portion 2 with a perforated cut line 2a, and a sticker 5 is attached to the surface of the payment portion 2 on the explanatory portion 1 side across the cut line 2a. .. Unless the sticker 5 is peeled off, the payment form 4 cannot be cut off from the payment unit 2, and payment at a convenience store or the like is not possible. Here, the sticker 5 is attached so that the center of the sticker 5 is located on the other edge 3b side of the back cover 3 from the center of the payment portion 2, and is preferably formed on the edge side of the sticker 5. The length of the cut line 2a of the portion is 0% or more and 10% or less of the width of the payment portion 2 including the bound portion. That is, the end of the seal 5 coincides with or is slightly separated from the edge of the pay-in portion 2. As a result, the cut line 2a is less likely to be torn than when the contract document 10 is brought closer to the side where the contract document 10 is bound and the sticker 5 is attached to the payment section 2, and the sticker 5 makes the payment paper 4 stronger against the payment section 2. Since it can be held, it is difficult for the contractor to cut the payment form 4 from the payment unit 2 without removing the sticker 5. The payment unit 2 is formed with a storage area 2b for reattaching and storing the peeled sticker 5. The sticker 5 is a special sticker that can be reattached, and by reattaching it to the storage area 2b, the contractor can confirm the application, that is, the insurance premium payment later.

If the payment form 4 can be paid at a convenience store or a bank, the barcode on the payment form 4 corresponds to the information of the contractor or prospective customer, the contract details, the insurance premium, and the information specifying the payment date. Let me. On the other hand, when enabling online payments such as credit card payments and convenience store payments, the QR code corresponds to information on contractors or prospective customers, contract details, insurance premiums, and information that specifies the payment due date, and is available on the Internet. After confirming the insurance premium and the name of the policyholder or prospective customer on the above dedicated site, and reconfirming that the contract documents have confirmed the intention and the contract details, credit card payment, convenience store payment, etc. Insurance premiums are paid by online settlement. The contractor or prospective customer can reconfirm the contract details, insurance premiums, payment due date, maturity date, etc. on the dedicated site.

The contract document 10 according to the present embodiment has an explanation unit 1 in which an explanation of the contract contents is described, a payment unit 2 that is bound behind the explanation unit 1 and includes a payment form 4 related to the contract contents, and a payment unit. One edge 3a is bound to the rear of the 2, the other edge 3b is connected to the explanatory portion 1, and a back cover 3 for binding the payment portion 2 to a bag is provided between the other edge 3b and the explanatory portion 1. As a result, the contractor or the prospective customer reads the explanation unit 1 and then reaches the next step regarding the transfer form 4 through the act of opening the bag binding. Therefore, it is possible for the contractor or the prospective customer to proceed with the contract procedure step by step by integrating a series of flows regarding the explanation of the contract contents and the transfer. In other words, it is not simply integrated, but each page opens only in stages, and there is a device that makes it difficult to skip each step, so that you can not pay insurance premiums unless you follow the procedure. It has become.

In addition, in general, the insurance premium payment form at a convenience store or the like may be misunderstood by the contractor or the prospective customer as a reminder because it looks like a reminder. Since the contract document preparation 10 is integrated from confirmation of intention to payment and looks different from the reminder, the insurance premium payment form feels oppressive as if the reminder was received by the contractor or the prospective customer. I won't let you.

Furthermore, by putting documents with different paper surface areas in the traditional Chinese bookbinding formed using pseudo-adhesive, the documents can be separated for each step, so explanatory materials consisting of multiple sheets such as important matter explanations can be provided. It can be included in a group.

(Second Embodiment)
FIG. 6A is a front view showing a contract document according to the second embodiment, FIG. 6B is an enlarged bottom view showing the edge side end thereof, and FIG. 7 is a contract document. FIG. 8 is a bottom view showing a state in which a page corresponding to the first step of the document is opened, and FIG. 8 is a bottom view showing a state in which a page corresponding to the fourth step of the contract document is opened. In the second embodiment, the parts different from those in the first embodiment will be described, and the same reference numerals are used for substantially the same configurations as those in the first embodiment.

In the contract document 20 according to the present embodiment, each paper is adhered using a normal adhesive without using pseudo-adhesion, and each page is cut in the vicinity of the edge 1d to advance to the next page. It has become. Specifically, as shown in FIG. 6A, the explanatory portion 1 is formed with a cutting portion 6 for cutting the explanatory portion 1 along the edge 1d in the vicinity of the edge 1d on the edge side. The cut portion 6 is defined by a perforation along the edge 1d and is formed in a band shape. One upper and lower end portion of the cut portion 6 is pinched with a finger, and the cut portion 6 is directed toward the other end along the edge 1d. It is separated from the explanation unit 1 by pulling. As a result, in the explanation unit 1, the edge 1d is cut off from the main body.

As shown in FIG. 6 (b), the cut portion 6 is formed on each page other than the partitioned portion 1c of the explanatory portion 1, and as shown in FIG. 7 (a), the cut portion 6 is cut as the page is turned. The position of the portion 6 is set away from the edge 1d. As a result, as shown in FIG. 7B, when cutting the next page, the cut portion 6 of the next page can be prevented from being covered with the edge 1d remaining on the previous page. When the final page of the explanation unit 1 is cut using the cutting unit 6, the payment paper 4 is exposed as shown in FIG. 8A. At this time, as shown in FIG. 8B, the edge of each of the cut partition portions 1b of the explanatory portion 1 on the edge side remains in a state of being joined to the back cover 3.

Although the present invention has been described above based on the embodiments, the present invention is not limited thereto. In the above embodiment, the back cover 3 is used to form the bag binding for including the payment portion 2, but the present invention is not limited to this, and the explanation portion 1 and the bag are bound behind the payment portion 2. It does not have to be the last bound paper as long as it can form a binding.

1 Explanation part 1a Front cover 1b Partition part 1c Partitioned part 1d Edge 2 Payment part 2a Cut line 2b Storage area 3 Back cover (cover part)
3a One edge 3b The other edge 4 Payment paper 5 Seal 6 Cut part 10 Contract document 20 Contract document A Pseudo-bonding area

Claims (10)

In the contract documents
An explanation section that describes the contents of the contract and
A payment section that is bound behind the explanation section and includes a payment form related to the contract details,
One edge is bound to the rear of the payment portion, the other edge is connected to the explanation portion, and a cover portion for binding the payment portion to a bag is provided between the explanation portion and the payment portion .
The payment form is a contract document characterized in that a part of the payment portion is defined by a cut line and a sticker is attached across the cut line. The contract document according to claim 1, wherein the sticker is affixed to the surface of the payment unit on the side of the explanation unit. The contract document according to claim 1 or 2 , wherein the sticker is attached closer to the other edge side of the cover portion than the center of the payment portion. In the contract document according to any one of claims 1 to 3 , the payment unit is characterized in that a storage area for reattaching and storing the peeled sticker is formed. Documents. In the contract documents
An explanation section that describes the contents of the contract and
A payment section that is bound behind the explanation section and includes a payment form related to the contract details,
One edge is bound to the rear of the payment portion, the other edge is connected to the explanation portion, and a cover portion for binding the payment portion to a bag is provided between the explanation portion and the payment portion.
The explanation unit includes a partition portion for partitioning the contract contents for each item, and a partition portion bound in a traditional Chinese bookbinding between the adjacent partition portions and having a paper surface area smaller than that of the partition portion. A contract document that features that. The contract document according to any one of claims 1 to 5, wherein the payment unit has a smaller paper area than the explanation unit. In the contract document according to any one of claims 1 to 6, the other edge of the cover portion is joined and connected to the explanatory portion, and when the other edge is peeled off from the explanatory portion, the said A contractual document characterized by the exposed payment form. In the contract document according to any one of claims 1 to 7, the explanatory portion is a cutting portion for cutting the explanatory portion along the other edge in the vicinity of the other edge of the cover portion. Is formed, and the payment paper is exposed when the explanatory portion is cut using the cutting portion. In the contract document according to any one of claims 1 to 8 , the payment unit includes a QR code or a barcode for linking to online payment including credit card payment and convenience store payment. , Contract documents. A contract system characterized in that payment is made online using the contract documents according to any one of claims 1 to 9.

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