JP7633814B2 - Insurance subscription integrated server device - Google Patents

Description

This invention relates to a system that allows a user who has taken out a loan from a financial institution such as a bank to purchase insurance related to that loan.

When users borrow money from financial institutions, they often take out insurance (such as group credit life insurance) at the same time as taking out the loan to prepare for the possibility of being unable to repay the loan due to death, inability to work, or other circumstances.

The above insurance enrollment procedure will be explained using Figure 19. Banks α, β, ..., ε each have bank terminals Tα, Tβ, ..., Tε. Insurance companies A, B, ..., M each have insurance company server devices SA, SB, ..., SM.

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

The person in charge at bank α operates bank terminal Tα to connect to the insurance company server device SB. Furthermore, based on the application form filled out by the user, the person in charge enters the data required to apply for insurance product B2 and transmits it to the insurance company server device SB.

The insurance company reviews the application to determine whether or not the user can join, and uploads the results to the insurance company server device SB. The bank staff operates the bank terminal Tα to access the insurance company server device SB and view the results of the application. The staff informs the user of the results of the application.

In the manner described above, insurance enrollment related to borrowing can be processed.

Patent 6046793

However, the above system had the following problems: The insurance company server device determined the input items and interface for each insurance product of the insurance company, making the application input work for the person in charge cumbersome.

Furthermore, even if an insurance company sells the same product, the names of the items that users are asked to enter and the explanations vary depending on the bank, depending on the bank's wishes. This creates a problem in that the insurance company's server device must prepare a separate interface for each bank.

Patent document 1 discloses a system that can link applications for life insurance using customer master data from a bank system, but it does not solve the above problem.

The purpose of this invention is to provide an integrated server device that solves the above problems and makes the joining process easier.

Some independently applicable features of this invention are listed below:

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

As a result, there is no need for bank staff to access the server device of each insurance company to submit applications, and the existing server device of the insurance company can be used as is, which not only improves business efficiency but also makes it easier to set up the system.

(3) The insurance subscription integrated server device according to the present invention is characterized in that the application screen sending means sends a multi-stage application screen divided according to a pattern based on the display items or input items or both of the insurance product applied for, and selects an application screen for each pattern in each stage, and changes the display wording in the application screen according to the insurance product and the bank.

This makes it easy to generate application screens that change for each recommended bank and insurance product.

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

This makes it easy to create and modify application screens.

(5) The insurance subscription integrated server device according to the present invention is characterized in that the application screen sending means sends the application screen after filling in known user information in advance using the user information acquired by the user registration accepting means from the financial institution server device.

This makes data entry easy.

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

As a result, there is no need for bank staff to access the server device of each insurance company to submit applications, and the existing server device of the insurance company can be used as is, which not only improves business efficiency but also makes it easier to set up the system.

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

This makes it easy to generate application screens that change for each recommended bank and insurance product.

(9) The insurance subscription integrated server device according to the present invention is characterized in that it records modularized templates for generating display screens according to the patterning, and records a wording table for the wording to be inserted into the template by combining the insurance product and the bank.

This makes it easy to create and modify application screens.

(10) The insurance subscription integrated server device according to the present invention is characterized in that the application screen sending means sends the application screen after filling in known user information in advance using the user information acquired by the user registration accepting means from the financial institution server device.

This makes data entry easy.

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

As a result, there is no need for bank staff to access the server device of each insurance company to submit applications, and the existing server device of the insurance company can be used as is, which not only improves business efficiency but also makes it easier to set up the system.

In this invention, the "user registration acceptance means" corresponds to step S53 in the embodiment.

In this embodiment, step S54 corresponds to the "link information transmission means."

In this embodiment, steps S62 to S66 correspond to the "application acceptance means."

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

In this embodiment, step S73 corresponds to the "joining availability receiving means."

In this embodiment, step S75 corresponds to the "joining availability sending means."

In this embodiment, step S74 corresponds to the "joining availability recording means."

The term "program" refers not only to programs that can be executed directly by a CPU, but also to source-format programs, compressed programs, encrypted programs, etc.

FIG. 2 is a functional configuration diagram of an insurance subscription integrated server device 20 according to an embodiment of the present invention. 1 is a system configuration diagram of a system using an insurance subscription integrated server device 20. FIG. 2 shows the hardware configuration of the insurance subscription integrated server device 20. 4 shows the hardware configuration of a smartphone 40. 2 shows the hardware configuration of bank terminal device 10. 13 is a flowchart of a user registration process. FIG. 13 is a diagram showing a user registration screen. FIG. 13 shows an email addressed to a user. 13 is a flowchart of an insurance application process. This is a table (recorded in the SSD 34) for determining which module to use. This is a table (recorded in the SSD 34) for determining a pattern. FIG. 2 is a diagram showing a module A recorded in the SSD 34. 13 is a diagram showing a text table A1 recorded in the SSD 34. FIG. 13 is a display example of an application screen. FIG. 13 is a diagram showing a module C recorded in the SSD 34. 13 is a display example of an application screen. 13 is a flowchart of an insurance application process. 13 is a table for determining a template according to another example. FIG. 1 is a diagram for explaining a conventional insurance application process.

1. Functional Configuration Fig. 1 shows the functional configuration of an insurance subscription integrated server device 20 according to one embodiment of the present invention.

The bank staff performs user registration on the insurance subscription server device 20 in order to send an application link for the recommended insurance product to the user who has applied for the loan. This user registration application includes the user's email address, the recommended insurance product, etc.

The user registration receiving means 22 receives user registration, generates a user ID, and records the name of the lending bank, the recommended insurance product for the user, the user name, etc. to register the user. The link information sending means 24 sends an email with a link to the enrollment application page for the recommended insurance product to the user's email address.

The user reads the email on the user terminal device 40 and accesses the application page. Note that multiple application pages are prepared according to the combination of borrowing bank and recommended insurance product, and the application page selected according to the combination is displayed.

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

The application acceptance means 26 accepts insurance application data from the user terminal device 40. The application transmission means 28 converts the insurance application data so that it matches the format of the insurance company server device 50 that handles the recommended insurance product, and transmits it to the insurance company server device 50.

The insurance company server device 50 transmits to the insurance subscription integrated server device 20 whether or not the user can subscribe to the applied insurance product based on the application data. The subscription availability receiving means 30 receives this. The subscription availability sending means 32 references the user registration information and transmits the subscription availability to the user's email address. This allows the user to know whether or not they can subscribe to the insurance they have applied for.

The joining possibility recording means 34 also records whether or not joining is possible so that it can be viewed from the bank terminal device 10. This allows the bank staff to know whether or not joining is possible.

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

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

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

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

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

The SSD 34 stores an operating system 40 and an integrated program 42. The integrated program 42 works in conjunction with the operating system 40 to perform its functions. These programs were originally stored on a DVD-ROM 44 and were installed in the SSD 34 via the DVD-ROM drive 36.

The hardware configuration of the insurance company server device 50 is the same as that of the insurance subscription integrated server device 20 in FIG. 2. However, the SSD stores an insurance server program instead of the integrated program 42.

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

The communication circuit 46 is for connecting to the Internet. The non-volatile memory 44 stores an operating system 47 and a browser program 48. The browser program 48 works in cooperation with the operating system 47 to perform its functions.

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

An operating system 18 and a browser program 19 are recorded in the SSD 14. The browser program 19 performs its functions in cooperation with the operating system 18. These programs were recorded on the DVD-ROM 5 and installed in the SSD 14 via the DVD-ROM drive 15.

3. Insurance application processing
3.1 User Registration Processing Figures 6, 9 and 17 show flowcharts of the integrated program 42. Figure 6 is a flowchart of the user registration processing.

A user applies to a bank for a loan, such as a mortgage. This system is intended for users who have applied to a bank for a loan.

The bank staff operates the bank terminal device 10 to register the user to use the insurance application system. Normally, user registration should be done by the user himself/herself, but in this system, the bank staff does it instead.

The bank employee operates the bank terminal device 10 to access the insurance subscription integrated server device 20 (step S1). On the login screen sent from the insurance subscription integrated server device 20, the employee enters the bank employee's ID and password to log in (steps S2, S51).

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

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

When the staff member enters a user ID on the screen in Figure 7, the bank terminal device 10 sends the user ID to the insurance subscription integrated server device 20. The insurance subscription integrated server device 20 receives this user ID, accesses the server device of the bank, and acquires the user information corresponding to the user ID. It then sends the acquired user information to the bank terminal device 10. As a result, the already registered user information is displayed on the screen in Figure 7 in an entered state.

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

When entering recommended insurance products, a list of insurance products handled by the bank is displayed in a pull-down menu, and the insurance product code is entered by selecting one. At this time, the presence or absence of joint liability and bridge financing is also entered along with the insurance code. A product code may be generated and entered that allows distinction to be made including the presence or absence of joint liability and bridge financing.

When the person in charge has finished entering the information and clicks the send button 100, the user information and recommended insurance products are sent (step S4). The user information and recommended insurance products are recorded in the insurance subscription integrated server device 20 (step S53).

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

The insurance subscription integrated server device 20 also automatically generates a password for the user to log in and sends it separately to the email address. This password is also sent to the email address of the bank employee.

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

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

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

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

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

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

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

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

The third line lists Link as the item type. This indicates that a link to the file listed in the right column will be displayed.

The fourth line is the text column, which indicates that text table A2 is referenced.

The fifth line is an input field, which indicates that the input will be recorded in CHK2.

On the sixth line, Button is listed as the type of item. This indicates that a clickable button will be displayed. The right column shows the text to be displayed on that button: "Next."

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

If the recommendation is from Bank β and it is a general group life insurance (no joint liability, no bridge loan), a screen will be generated based on Module A using wording 102 in Figure 13.

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

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

When the user checks the contents and checks the check boxes 106 and 108, and then clicks the Next button 110, the smartphone 40 sends the contents of the variables to the insurance subscription integration server device 20 (step S14).

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

Then, processing for the enrollment application screen 3 (verification of applicant information) is performed in a similar manner. The insurance enrollment integrated server device 20 selects module C from FIG. 10. The contents of module C are shown in FIG. 15.

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

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

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

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

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

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

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

For example, with regard to the application date, some insurance companies will accept it in a format such as 2021/01/05, while others will accept it in a format such as 2021.1.5. Also, the names of each item differ depending on the insurance company. The insurance subscription integrated server device 20 has a table prepared in advance for performing such format conversion.

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

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

The insurance company server device 50 that receives the enrollment application data performs a predetermined process to determine whether or not to enroll. The decision on whether or not to enroll may be automated using AI or the like, or a human may make the decision and input the result.

The insurance company server device 50, which has obtained the result of the enrollment approval or disapproval, transmits this together with the case ID to the insurance enrollment integrated server device 20. The insurance enrollment integrated server device 20 receives the enrollment approval or disapproval (step S73) and records this in a predetermined location (URL) so that it can be accessed from the bank terminal device 10 (step S74). Therefore, the bank employee can operate the bank terminal device 10 to access the insurance enrollment integrated server device 20 and view the enrollment approval or disapproval.

The insurance subscription integrated server device 20 also sends a notification of whether or not the user has applied to join the insurance policy to the user's email address (step S75). Therefore, the user who has applied to join the insurance policy can operate the user terminal device 40 and find out whether or not the user has applied to join the insurance policy through the email program.

In this embodiment, as shown in Figure 10, a module is provided for each stage of the application screen and processing is performed. This module is created depending on whether the input items and display items are the same. For example, on the applicant information confirmation screen, the input items and display items are different for each pattern of product, so a separate module is provided for each pattern. On the other hand, in notification selection 2/2, the input items and display items are the same for patterns 1, 3, 4, and 5, so these use the same module P. The input items and display items are the same for patterns 2 and 6, so the same module Q is used.

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

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

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

Also, as shown in Figure 18, instead of modularizing the screens for each stage, a template may be provided for each pattern.

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

(3) In the above embodiment, as shown in FIG. 10, insurance products are categorized into patterns and the module to be used is determined. However, it is also possible to determine which module to use on each screen for each product without categorized into patterns.

(4) In the above embodiment, the method is applied to a case where a user who applies for a mortgage with a bank applies for an insurance product in connection with the application.

However, it can also be applied when a user who has applied to purchase a product (including tangible products, intangible products, and services) from a first company applies to a second company for a related product (including tangible products, intangible products, and services) in connection with the application.

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

Claims (12)

a user registration receiving means for receiving and recording user registration including user information including an email address of a user who has applied for a loan from the financial institution and recommended insurance product information selected from among a plurality of insurance products from the financial institution terminal device;
a link information sending means for sending link information to the insurance subscription integrated server device to the email address of the user;
an application acceptance means for accepting an insurance contract application for the insurance product selected based on the recommended insurance product information from a user terminal device that has accessed based on the link information;
An application transmission means for transmitting the accepted insurance contract application to an insurance company server device;
an admission decision receiving means for receiving admission decision from the insurance company server device;
a joining permission/rejection recording means for recording the received joining permission/rejection so as to be viewable from a financial institution terminal device;
a joining/non-joining sending means for sending the received joining/non-joining information to the user's email address;
In an insurance subscription integrated server device comprising:
the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan;
The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution. An insurance subscription integrated server program for implementing an insurance subscription integrated server device by a computer, the computer comprising:
a user registration receiving means for receiving and recording user registration including user information including an email address of a user who has applied for a loan from the financial institution and recommended insurance product information selected from among a plurality of insurance products from the financial institution terminal device;
a link information sending means for sending link information to the insurance subscription integrated server device to the email address of the user;
an application acceptance means for accepting an insurance contract application for the insurance product selected based on the recommended insurance product information from a user terminal device that has accessed based on the link information;
An application transmission means for transmitting the accepted insurance contract application to an insurance company server device;
an admission decision receiving means for receiving admission decision from the insurance company server device;
a joining permission/rejection recording means for recording the received joining permission/rejection so as to be viewable from a financial institution terminal device;
In an insurance subscription integrated server program for functioning as a subscription possibility sending means for sending the received subscription possibility to a user's email address,
the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan;
The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution. In the device of claim 1 or the program of claim 2,
The application screen sending means patterns the display items or input items or both of the multiple insurance products , selects a pattern corresponding to the insurance product applied for, and sends a multiple-stage application screen divided according to the pattern, wherein, in each stage, an application screen is selected for each pattern, and the display wording in the application screen is changed according to the insurance product applied for and the financial institution . In the device or program of claim 3,
a template for generating a display screen in accordance with the patterning is modularized and recorded in the insurance subscription integrated server device ;
The device or program is characterized in that a wording table for wording to be inserted into the template is recorded for combinations of a plurality of insurance products and a plurality of financial institutions . In the device or program according to claims 1 to 4,
The application screen sending means is a device or program characterized in that it sends the application screen after filling in known user information in advance using the user information obtained by the user registration acceptance means from a financial institution server device. An insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies,
an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device;
An application transmission means for transmitting the accepted insurance contract application to an insurance company server device;
an admission decision receiving means for receiving admission decision from the insurance company server device;
a joining permission/rejection recording means for recording the received joining permission/rejection so as to be viewable from a financial institution terminal device;
a joining permission transmission means for transmitting the received joining permission/prohibition to a user terminal device;
In an insurance subscription integrated server device comprising:
the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan;
The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution. An insurance subscription integrated server program for implementing, by a computer, an insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies, the computer comprising:
an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device;
An application transmission means for transmitting the accepted insurance contract application to an insurance company server device;
an admission decision receiving means for receiving admission decision from the insurance company server device;
a joining permission/rejection recording means for recording the received joining permission/rejection so as to be viewable from a financial institution terminal device;
an insurance subscription integrated server program for causing the server to function as a subscription possibility transmission means for transmitting the received subscription possibility to a user terminal device,
the application acceptance means has an application screen transmission means for transmitting, to the user terminal device, an application screen determined by a combination of the applied insurance product selected from the plurality of insurance products for which the user applies and the financial institution to which the user has applied for a loan;
The application screen sending means sends an application screen having a plurality of stages, and for each stage, a divided application screen is generated according to the combination of the applied insurance product and the financial institution. In the device of claim 6 or the program of claim 7,
The application screen sending means patterns the display items or input items or both of the multiple insurance products , selects a pattern corresponding to the insurance product applied for, and sends a multiple-stage application screen divided according to the pattern, wherein, in each stage, an application screen is selected for each pattern, and the display wording in the application screen is changed according to the insurance product applied for and the financial institution . The device or program of claim 8,
a template for generating a display screen in accordance with the patterning is modularized and recorded in the insurance subscription integrated server device ;
The device or program is characterized in that a wording table for wording to be inserted into the template is recorded for combinations of a plurality of insurance products and a plurality of financial institutions . In the device or program according to claims 6 to 9,
The insurance subscription integrated server device includes a user registration receiving means for receiving and recording user registration including user information including an email address of a user who has applied for a loan from the financial institution and recommended insurance product information selected from among a plurality of insurance products from the financial institution terminal device;
The application screen sending means is a device or program characterized in that it sends the application screen after filling in known user information in advance using the user information acquired by the user registration acceptance means from the financial institution terminal device. An insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies,
an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device;
An application transmission means for transmitting the accepted insurance contract application to an insurance company server device;
an admission decision receiving means for receiving admission decision from the insurance company server device;
a joining permission/rejection recording means for recording the received joining permission/rejection so as to be viewable from a financial institution terminal device;
a joining permission transmission means for transmitting the received joining permission/prohibition to a user terminal device;
In an insurance subscription integrated server device comprising:
The insurance subscription integrated server device is characterized in that the application receiving means has an application screen sending means for sending to the user terminal device an application screen patterned based on the combination of the insurance product for which the user is applying and the financial institution to which the user has applied for a loan. An insurance subscription integrated server program for implementing, by a computer, an insurance subscription integrated server device that generates an application screen that matches the application form of a financial institution from which a user has borrowed, among a plurality of financial institutions, and performs subscription processing for an applied insurance product selected from a plurality of insurance products of a plurality of insurance companies, the computer comprising:
an application acceptance means for accepting an insurance contract application for the applied insurance product from a user terminal device;
An application transmission means for transmitting the accepted insurance contract application to an insurance company server device;
an admission decision receiving means for receiving admission decision from the insurance company server device;
a joining permission/rejection recording means for recording the received joining permission/rejection so as to be viewable from a financial institution terminal device;
an insurance subscription integrated server program for causing the server to function as a subscription possibility transmission means for transmitting the received subscription possibility to a user terminal device,
The insurance subscription integrated server program is characterized in that the application receiving means has an application screen sending means for sending to the user terminal device an application screen patterned based on the combination of the insurance product for which the user is applying and the financial institution to which the user has applied for a loan.