JP7291113B2 - Insurance brokerage device, insurance brokerage method, insurance brokerage program and insurance brokerage system - Google Patents

Description

TECHNICAL FIELD The present disclosure relates to technology for brokering insurance claims.

Many people take out various types of insurance to prepare for emergencies. However, the procedure for claiming payment of insurance claims differs for each insurance company, and it takes time and effort for the user to carry out the procedure for claiming payment. In addition, in some cases, it is necessary to obtain a medical certificate from a doctor in order to claim payment of insurance benefits. In this case, the user has to go to the hospital to obtain the medical certificate, which places a burden on the user and increases the risk of nosocomial infection.

Patent Literature 1 describes an insurance claim support system that supports insurance claim payment procedures.

WO2018/163265

The insurance claim support device described in Patent Literature 1 even determines whether or not insurance claims can be paid. Therefore, the insurance claim support device holds information necessary for determining whether or not insurance claims can be paid. The information required to determine whether or not to pay insurance claims includes highly confidential information, and the risk of information leakage is high.
An object of the present disclosure is to enable a user to easily perform an insurance claim payment procedure while reducing the risk of information leakage.

The insurance intermediary device according to the present disclosure is
an insurance information acquisition unit that acquires insurance information indicating insurance items and policy numbers from a user terminal;
Displaying on the user terminal an information input screen corresponding to the item indicated by the insurance information acquired by the insurance information acquisition unit, and displaying a screen for inputting information for claiming payment of the insurance claim for the item of insurance. Department and
a claim section for sending a policy number indicated by the insurance information and the input information entered on the information input screen displayed by the screen display section to an insurance company device to claim the insurance claim; Prepare.

The screen display unit displays a consent screen on the user terminal to allow input of consent information indicating whether or not to consent to obtaining a medical certificate,
The claims unit transmits the consent information to the insurance company device along with the input information.

The insurance brokerage device further
An authentication unit that authenticates the identity of the policyholder identified from the policy number,
The billing unit transmits the input information to the insurance company device when the personal authentication by the authentication unit is successful.

The authentication unit performs the personal authentication by an authentication method having an authentication strength corresponding to the insurance company specified from the policy number.

The insurance company device further:
prior to transmitting a policy number indicated by the insurance information to an insurance company device and obtaining claim propriety information indicating whether or not it is possible to claim payment of an insurance claim specified by the policy number from the insurance company device; Equipped with a judgment unit,
The screen display unit displays the information input screen when the billable/impossible information acquired by the preliminary determination unit indicates that the billing can be executed.

The insurance company device is provided corresponding to each insurance company,
The billing unit transmits the policy number and the input information to an insurance company device corresponding to the insurance company identified from the policy number.

The insurance brokerage method according to the present disclosure includes:
an insurance information acquisition unit of an insurance intermediary device acquires insurance information indicating an insurance item and a policy number from a user terminal;
The screen display unit of the insurance intermediary device displays on the user terminal an information input screen corresponding to the item indicated by the insurance information, and inputs information necessary for claiming payment of the insurance for the item of insurance. let
A billing unit of the insurance intermediation device transmits the policy number indicated by the insurance information and the input information input to the information input screen to the insurance company device to request payment of the insurance money.

The insurance intermediation program covered by this disclosure:
Insurance information acquisition processing for acquiring insurance information indicating insurance items and policy numbers from a user terminal;
An information input screen corresponding to the item indicated by the insurance information acquired by the insurance information acquisition process is displayed on the user terminal, and the user is prompted to input information necessary for claiming payment of an insurance claim for the item of insurance. screen display processing;
claim processing for claiming payment of the insurance by transmitting the policy number indicated by the insurance information and the input information input to the information input screen displayed by the screen display processing to an insurance company device; The computer functions as an insurance intermediation device to carry out.

The insurance brokerage system according to the present disclosure is
An insurance brokerage system comprising a user terminal for use by a policyholder, an insurance company device for use by an insurance company, and an insurance brokerage device;
The insurance company device includes:
an insurance information acquisition unit that acquires insurance information indicating the type of insurance and policy number from the user terminal;
An information input screen corresponding to the item indicated by the insurance information acquired by the insurance information acquisition unit is displayed on the user terminal, and information necessary for claiming payment of the insurance claim for the insurance of the item is input. a screen display unit;
a claiming unit for sending a policy number indicated by the insurance information and input information input to the information input screen displayed by the screen display unit to the insurance company device to claim the insurance claim; Prepare.

In the present disclosure, an information input screen corresponding to the type of insurance is displayed on the user terminal, the information necessary for claiming payment of insurance is input, the input information is transmitted to the insurance company device, and the insurance is processed. Make a payment request.
The user can make an insurance claim by specifying the insurance for which the user wishes to make a claim and inputting information. Therefore, the user can easily perform the procedure for claiming payment of the insurance money.
The insurance intermediation device only transmits the input information to the insurance company device, and does not judge whether or not the insurance money can be paid. Therefore, there is no need for the insurance intermediation device to hold the information necessary for determining whether or not to pay insurance claims, and the risk of information leakage is low.

1 is a configuration diagram of an insurance intermediation system 1 according to Embodiment 1. FIG. 1 is a configuration diagram of an insurance brokerage device 10 according to Embodiment 1. FIG. 4 is an explanatory diagram of information stored in a user information storage unit 131 according to the first embodiment; FIG. 4 is an explanatory diagram of information stored in a hospital information storage unit 132 according to Embodiment 1; FIG. 4 is an explanatory diagram of information stored in a screen information storage unit 133 according to Embodiment 1. FIG. 4 is an explanatory diagram of information stored in an authentication history storage unit 134 according to Embodiment 1; FIG. 4 is an explanatory diagram of information stored in an authentication information storage unit 135 according to the first embodiment; FIG. 4 is a processing flow diagram of processing of the insurance intermediation system 1 according to Embodiment 1. FIG. FIG. 4 shows an example of an insurance selection screen according to the first embodiment; FIG. FIG. 4 shows an example of an information input screen according to the first embodiment; FIG. FIG. 4 shows an example of a consent screen according to Embodiment 1; FIG. 4 shows an example of an authentication notification screen according to the first embodiment; FIG. FIG. 4 is a diagram showing an example of a payment request notification screen according to the first embodiment; FIG. FIG. 11 is a configuration diagram of an insurance intermediation device 10 according to Modification 3; FIG. 2 is a configuration diagram of an insurance brokerage device 10 according to Embodiment 2; FIG. 10 is an explanatory diagram of information stored in an authentication information storage unit 135 according to the second embodiment; FIG. FIG. 11 is an explanatory diagram of information stored in an authentication strength storage unit 136 according to the second embodiment; FIG. FIG. 11 is a processing flow diagram of processing of the insurance intermediary system 1 according to the second embodiment;

Embodiment 1.
*** Configuration description ***
A configuration of an insurance brokerage system 1 according to Embodiment 1 will be described with reference to FIG.
The insurance brokerage system 1 includes an insurance brokerage device 10 , one or more user terminals 20 , and one or more insurance company devices 30 . The insurance brokerage device 10 is connected to each user terminal 20 and each insurance company device 30 via a transmission line 90 . As a specific example, the transmission line 90 is the Internet.

The insurance brokerage device 10 is a computer that brokers claims for payment of insurance claims. The insurance intermediary device 10 accepts a request for payment of an insurance claim from the user terminal 20, collects necessary information and transmits it to the insurance company device 30, thereby making a claim for payment of the insurance.
The user terminal 20 is a terminal used by a user who makes an insurance claim. As a specific example, the user terminal 20 is a PC (Personal Computer) or a smart phone used by the user.
Insurance company device 30 is a computer used by each insurance company. As a specific example, the insurance company device 30 is a server installed in an insurance company.

The configuration of insurance brokerage apparatus 10 according to Embodiment 1 will be described with reference to FIG.
The insurance brokerage device 10 includes hardware including a processor 11 , a memory 12 , a storage 13 and a communication interface 14 . The processor 11 is connected to other hardware via signal lines and controls these other hardware.

The processor 11 is an IC (Integrated Circuit) that performs processing. Specific examples of the processor 11 are a CPU (Central Processing Unit), a DSP (Digital Signal Processor), and a GPU (Graphics Processing Unit).

The memory 12 is a storage device that temporarily stores data. Specific examples of the memory 12 include SRAM (Static Random Access Memory) and DRAM (Dynamic Random Access Memory).

The storage 13 is a storage device that stores data. A specific example of the storage 13 is an HDD (Hard Disk Drive). In addition, the storage 13 is SD (registered trademark, Secure Digital) memory card, CF (Compact Flash, registered trademark), NAND flash, flexible disk, optical disk, compact disk, Blu-ray (registered trademark) disk, DVD (Digital Versatile Disk), etc. It may be a portable recording medium.

The communication interface 14 is an interface for communicating with an external device. Specific examples of the communication interface 14 are Ethernet (registered trademark), USB (Universal Serial Bus), and HDMI (registered trademark, High-Definition Multimedia Interface) ports.

The insurance intermediation device 10 includes an insurance information acquisition unit 111, a prior determination unit 112, a screen display unit 113, and a payment request unit 114 as functional components. The function of each functional component of the insurance intermediary device 10 is realized by software.
The storage 13 stores a program that implements the function of each functional component of the insurance brokerage device 10 . This program is read into the memory 12 by the processor 11 and executed by the processor 11 . Thereby, the function of each functional component of the insurance brokerage device 10 is realized.

The storage 13 implements a user information storage unit 131 , a hospital information storage unit 132 , a screen information storage unit 133 , an authentication history storage unit 134 and an authentication information storage unit 135 .

Only one processor 11 was shown in FIG. However, there may be a plurality of processors 11, and the plurality of processors 11 may cooperate to execute programs that implement each function.

***Description of operation***
The operation of the insurance brokerage device 10 according to the first embodiment will be described with reference to FIGS. 3 to 13. FIG.
The operation procedure of the insurance brokerage device 10 according to the first embodiment corresponds to the insurance brokerage method according to the first embodiment. Also, a program that realizes the operation of the insurance intermediation device 10 according to the first embodiment corresponds to the insurance intermediation program according to the first embodiment.

Information stored in user information storage unit 131 according to the first embodiment will be described with reference to FIG.
The user information storage unit 131 stores a name, a telephone number, and one or more pieces of insurance information for each user ID (Identifier). The insurance information is information about the insurance contracted by the user. The insurance information includes the name of the insurance company, the insurance policy number, and the insurance item. Lines are types of insurance, such as accident, automobile, and fire. If the item can be specified from the security number, the item is not required.

Information stored in user information storage unit 131 may be provided by an insurance company or by a user. For example, information stored in the user information storage unit 131 is provided as electronic data in a format specified by the insurance company device 30 . Alternatively, the information stored in the user information storage unit 131 is input from the user terminal 20 after a dedicated application provided by an insurance company or the like is introduced into the user terminal 20 .

Information stored in the hospital information storage unit 132 according to the first embodiment will be described with reference to FIG.
The hospital information storage unit 132 stores a hospital name, department, and registration date for each hospital ID. The clinical department in the hospital indicated by the hospital ID stored in the hospital information storage unit 132 can respond to a request for a medical certificate from an insurance company in processing a claim for insurance payment in the process described later.

Information stored in the screen information storage unit 133 according to the first embodiment will be described with reference to FIG.
The screen information storage unit 133 stores an information input screen for each insurance item. The information input screen is a screen that includes input columns for information necessary for claiming payment of the corresponding item of insurance. Even for the same type of insurance, the information required to claim payment of insurance claims may differ depending on the type of insurance. Here, it is assumed that the information input screen covers input columns of information necessary for claiming payment of all insurance claims for the corresponding item. In other words, the information input screen may include input fields for information unnecessary for some insurances.

Information stored in the authentication history storage unit 134 according to the first embodiment will be described with reference to FIG.
The authentication history storage unit 134 stores user IDs, insurance information, authentication types, and principal consent states for each date and time. The authentication type indicates the authentication method used for personal authentication. The person's consent state indicates whether or not consent has been obtained. In FIG. 5, 1 represents a state of consent and 0 represents a state of non-consent.

Information stored in the authentication information storage unit 135 according to the first embodiment will be described with reference to FIG.
The authentication information storage unit 135 stores an authentication type and an authentication notification screen for each set date. The corresponding authentication type is used for the period from the set date to the next set date. FIG. 7 shows that password authentication is used during the period from April 1, 2017 to March 31, 2018, and that telephone authentication is used during the period after April 1, 2018.

Processing of the insurance intermediary system 1 according to the first embodiment will be described with reference to FIG.
(Step S101: Login processing)
The user terminal 20 logs into the insurance brokerage system 1 .
Specifically, the user terminal 20 activates the application of the insurance brokerage system 1 . Then, an input screen for user ID and password is displayed. The user terminal 20 logs into the insurance brokerage system 1 by entering a user ID and password.

(Step S102: insurance information provision processing)
The insurance information acquisition unit 111 of the insurance brokerage device 10 provides the user terminal 20 with insurance information corresponding to the user indicated by the user ID input in step S101.
Specifically, the insurance information acquisition unit 111 reads from the user information storage unit 131 the insurance information corresponding to the user ID input in step S101. Then, the insurance information acquisition unit 111 displays an insurance selection screen showing the read insurance information on the user terminal 20 . As a specific example, when the user with the user ID U01 logs in at step S101, an insurance selection screen displaying a list of the insurance information of the user with the user ID U01 is displayed as shown in FIG.

(Step S103: insurance selection process)
The user terminal 20 refers to the insurance information provided in step S102 and selects the insurance for which the insurance claim is to be made.
Specifically, the user selects the insurance for which the insurance claim is to be made from the insurance information displayed on the insurance information selection screen. As a specific example, when the insurance selection screen shown in FIG. 9 is displayed, the insurance is selected by checking the check box of the selection column for the insurance information indicating the insurance for which the insurance claim is to be made. selected. When the decision button is pressed, the user terminal 20 transmits insurance information on the selected insurance to the insurance brokerage device 10 as selection information.

(Step S104: Determination information transmission process)
The insurance information acquisition unit 111 of the insurance brokerage device 10 acquires the selection information, which is the insurance information indicating the type of insurance and the policy number, transmitted in step S103. Then, the advance determination unit 112 of the insurance brokerage device 10 transmits to the insurance company device 30 the user ID input in step S101 and the policy number and item indicated by the selection information transmitted in step S103. Here, the pre-determination unit 112 transmits the user ID, policy number and item to the insurance company device 30 corresponding to the insurance company indicated by the selection information. The insurance company indicated by the selection information can also be identified from the policy number.

(Step S105: insurance company determination processing)
The insurance company device 30 determines whether or not it is possible to claim payment of the insurance money specified by the policy number transmitted in step S104.
Specifically, the insurance company device 30 determines whether or not the insurance specified by the policy number corresponds to the insurance claim by the insurance brokerage system 1 . Then, the insurance company device 30 transmits to the insurance intermediary device 10 claim acceptance/rejection information indicating whether or not the insurance claim can be claimed. Insurance company device 30 also transmits contract information about the user indicated by the user ID to insurance brokerage device 10 when the insurance claim can be executed.

(Step S106: advance determination processing)
The advance determination unit 112 of the insurance brokerage device 10 determines whether or not the claimability information transmitted in step S105 indicates that the claim for payment of the insurance money can be executed.
If the billable/impossible information indicates that the insurance claim can be billed, the advance determination unit 112 advances the process to step S107. On the other hand, if the claim propriety information indicates that the claim for payment of an insurance claim cannot be executed, the advance determination unit 112 notifies the user terminal 20 that the claim for payment of an insurance claim cannot be made in the insurance brokerage system 1, and to end the process.

(Step S107: screen display processing)
Screen display unit 113 of insurance brokerage device 10 displays an information input screen, a consent screen, and an authentication notification screen.

<Information input screen>
The screen display unit 113 displays on the user terminal 20 an information input screen corresponding to the item indicated by the selection information acquired in step S103, and displays information necessary for claiming payment of the insurance for the item of insurance. input.
Specifically, the screen display unit 113 reads from the screen information storage unit 133 the information input screen corresponding to the item indicated by the selection information acquired in step S103. Then, the screen display unit 113 displays on the user terminal 20 an information input screen in which the contract information transmitted in step S105 is set. As a specific example, as shown in FIG. 10, when the event is an injury, there are input fields for information such as the date of injury, the name of the disease, the number of days of hospital visits, the number of days of hospitalization, the name of the hospital, and the name of the medical department. The provided information input screen is displayed.

<Consent screen>
The screen display unit 113 displays a consent screen on the user terminal 20 and prompts the user to input consent information indicating whether or not to consent to the acquisition of the medical certificate.
Specifically, the screen display unit 113 displays on the user terminal 20 a consent screen in which the contract information transmitted in step S105 is set. As a specific example, as shown in FIG. 11, a consent screen having an input column for whether or not the insurance company agrees to obtain a medical certificate from the hospital is displayed. At this time, on the consent screen, it may be confirmed whether or not the insurance brokerage device 10 also consents to the disclosure of personal information to the insurance company.

<Authentication notification screen>
The screen display unit 113 displays on the user terminal 20 an authentication notification screen prompting execution of authentication processing for authenticating the identity of the policyholder, and causes the user terminal 20 to execute the authentication processing.
Specifically, the screen display unit 113 reads from the authentication information storage unit 135 the authentication notification screen of the authentication type corresponding to the date when the process of step S107 was performed. Then, the screen display unit 113 displays the read authentication notification screen on the user terminal 20 . As a specific example, as shown in FIG. 12, when the authentication method is telephone authentication, an authentication notification screen prompting to call a designated telephone number is displayed.

(Step S108: information input processing)
The user terminal 20 performs authentication processing while performing input on the information input screen and the consent screen.
Specifically, it is input by the user of the user terminal 20 in the input fields of the information input screen and the consent screen. For example, on the information input screen shown in FIG. 10, the date of injury, the name of the disease, the number of hospital visits, the number of days of hospitalization, the name of the hospital, and the name of the department are entered, and the OK button is pressed. In the case of the consent screen shown in FIG. 11, the agree button or the disagree button is pressed. The user terminal 20 transmits the information input by the user on the information input screen and the consent screen to the insurance brokerage device 10 .
Also, the authentication process is executed by the user of the user terminal 20 . For example, as shown in FIG. 12, when the authentication method is telephone authentication, a phone call is made to the specified telephone number.

(Step S109: Payment Request Processing)
The billing unit 114 of the insurance brokerage device 10 acquires the information input by the user on the information input screen and the consent screen in step S108.

Then, first, the billing unit 114 determines whether or not the authentication process executed in step S108 has been authenticated.
Specifically, when the authentication method is telephone authentication, the billing unit 114 reads the telephone number corresponding to the user ID input in step S101 from the user information storage unit 131, and matches the caller's telephone number. It is determined whether or not the authentication has been performed according to whether or not the authentication is performed. If processing by another authentication device is required, the billing unit 114 issues an authentication request to the authentication device and obtains a result indicating whether or not the personal authentication has succeeded.

If the personal authentication is not successful, the billing unit 114 causes the screen display unit 113 to display the authentication notification screen again on the user terminal 20 to prompt the user to re-execute the authentication process. Note that the process may be terminated if the authentication has not succeeded for the standard number of times in succession, or if the authentication has not succeeded even after the standard time has elapsed.

If authentication is successful, the billing unit 114 determines whether the information entered by the user for the consent screen indicates that the insurance company agrees to obtain a medical certificate from the hospital.
If the user agrees, the billing unit 114 inserts into the authentication history storage unit 134 a record whose key is the date and time when the information input in step S108 was obtained. , the selection information transmitted in step S103, the authentication type used in step S108, and 1 indicating that consent has been obtained. Then, the billing unit 114 receives the policy number indicated by the selection information transmitted in step S103, the information entered in the information input screen in step S108, and the information indicating consent to obtain the medical certificate. Send to insurance company device 30 . Note that the timing for storing information in the authentication history storage unit 134 may be either before or after the transmission timing.
At this time, the billing unit 114 may also transmit to the insurance company device 30 information indicating whether the hospital and clinical department input in step S108 are stored in the hospital information storage unit 132 .
On the other hand, if the user does not agree, the billing unit 114 inserts into the authentication history storage unit 134 a record whose key is the date and time when the information input in step S108 was obtained. , the selection information transmitted in step S103, the authentication type used in step S108, and 0 indicating that consent has not been obtained are set. Then, the billing unit 114 receives the policy number indicated by the selection information transmitted in step S103, the information entered in the information input screen in step S108, and the information indicating that the patient does not agree to obtain the medical certificate. Send to insurance company device 30 . Note that the timing of storing information in the authentication history storage unit 134 may be before or after the timing of transmission.

(Step S110: Payment Procedure Processing)
Insurance company device 30 receives the information transmitted in step S109. Then, the insurance company executes insurance payment processing based on the received information. Specifically, it is determined whether or not the insurance claim can be paid, and if the insurance claim can be paid, the amount to be paid is calculated.
At this time, if information indicating that the patient agrees to obtain a medical certificate is obtained, the insurance company directly obtains the medical certificate from the hospital. In other words, the information that the user agrees to obtain a medical certificate is information that allows the user to request the medical certificate from the hospital by the insurance company. On the other hand, when information is obtained that the user does not agree to obtain the medical certificate, the insurance company requests the user to send the medical certificate.
It should be noted that even if information indicating that the patient agrees to obtain a medical certificate is obtained, if the hospital and clinical department input in step S108 are not stored in the hospital information storage unit 132, the insurance company may ask the user to send a medical certificate. Alternatively, if the hospital and clinical department input in step S108 are not stored in the hospital information storage unit 132, the hospital and clinical department are newly stored in the hospital information storage unit 132 and then sent in step S103. The policy number indicated by the selected information, the information input to the information input screen in step S108, and the information indicating consent to obtain the medical certificate may be transmitted to the insurance company device 30. good.

(Step S111: billing notification process)
The claiming unit 114 of the insurance intermediary device 10 notifies the user terminal 20 that the claim for payment has been made. As a specific example, as shown in FIG. 13, the claiming unit 114 displays on the user terminal 20 a claiming notification screen indicating that the claim for payment has been made.

*** Effect of Embodiment 1 ***
As described above, in the insurance intermediation system 1 according to the first embodiment, the insurance intermediary device 10 mediates claims for insurance payment between the user terminal 20 and the insurance company device 30 .
Specifically, when insurance is designated from the user terminal 20 , the insurance brokerage device 10 acquires information necessary for claiming payment from the user terminal 20 and transmits the information to the insurance company device 30 . Therefore, the user can easily make an insurance claim without specifying a different claim method for each insurance company and then making a claim, and inputting information in a different format for each insurance company. It is possible. The insurance company corresponding to the insurance company device 30 that has received the information makes a decision as to whether or not the insurance money can be paid. The insurance brokerage device 10 only needs to hold the minimum necessary information, and the risk of information leakage is low.

If the risk of information leakage is high, people become reluctant to introduce an information system, and the introduction of the information system slows down. However, the insurance intermediation system 1 according to Embodiment 1 can reduce the risk of information leakage, and thus can promote the introduction of information systems.

Further, in the insurance intermediation system 1 according to Embodiment 1, the insurance intermediation device 10 obtains consent for the insurance company to obtain a medical certificate from the hospital. Therefore, if consent is obtained, the insurance company will be able to obtain a medical certificate directly from the hospital, eliminating the need for the user to go to the hospital to obtain a medical certificate. You can reduce your risk.

In addition, in the insurance brokerage system 1 according to the first embodiment, the payment claim unit 114 sends to the insurance company terminal 30 information on the payment claim including the date and time of the claim from the user, the user ID, the selection information, the authentication type, and the person's consent status. The same information is stored in the authentication history storage unit 134 at the time of transmission.
By storing the history in the authentication history storage unit 134, the authenticity of the user's authentication type and the person's consent status for the payment request is ensured. As a result, when receiving an inquiry about the person's consent from the insurance company terminal 30 or the like at a later date, based on the history of the authentication history storage unit 134, it can be expected that a certain reliable answer will be given.

***Other Configurations***
<Modification 1>
In step S103 of FIG. 8, multiple insurances are selected when claiming insurance claims for multiple insurances. In this case, in step S<b>104 , the user ID, policy number and type of policy are sent to the corresponding insurance company device 30 for each insurance policy selected. Then, the processes after step S105 are executed for each selected insurance.
As a result, the user can easily claim payment of insurance claims for a plurality of insurance policies.

<Modification 2>
The terms of insurance claims may change. Therefore, in step S105 of FIG. 8, when the conditions are changed and necessary information is added, insurance company device 30 may notify insurance brokerage device 10 of the added information. Then, in step S107 of FIG. 8, the screen display unit 113 of the insurance brokerage device 10 may add the notified information input field to the information input screen and display it on the user terminal 20 .
As a result, it is possible to prevent the insurance company from reconfirming information with the user due to lack of information.

<Modification 3>
The personal authentication process and the consent acquisition process for obtaining consent for the insurance company to obtain a medical certificate from the hospital shown in step S109 in FIG. configured to do so. As a modified example 3, it may be configured such that personal authentication is performed only when consent is obtained in the consent acquisition process. In this case, in step S108, along with the information input on the information input screen, information that has been authenticated in response to the consent of the insurance company to obtain a medical certificate from the hospital is transmitted to the insurance company device 30. Become. If consent is not obtained in the consent acquisition process, the information entered in the information input screen in step S108 will be sent to the insurance company device 30, and the medical certificate will be sent to the user as before. will be requested.

<Modification 4>
In Embodiment 1, each functional component is realized by software. However, as a modification 4, each functional component may be realized by hardware. Regarding this modification 4, points different from the first embodiment will be described.

The configuration of the insurance brokerage device 10 according to Modification 4 will be described with reference to FIG. 14 .
When each functional component is implemented in hardware, insurance brokerage device 10 includes electronic circuitry 15 instead of processor 11 , memory 12 and storage 13 . The electronic circuit 15 is a dedicated circuit that realizes the functions of each functional component, memory 12 and storage 13 .

The electronic circuit 15 includes a single circuit, a composite circuit, a programmed processor, a parallel programmed processor, a logic IC, a GA (Gate Array), an ASIC (Application Specific Integrated Circuit), and an FPGA (Field-Programmable Gate Array). is assumed.
Each functional component may be implemented by one electronic circuit 15, or each functional component may be implemented by being distributed among a plurality of electronic circuits 15. FIG.

<Modification 5>
As Modified Example 5, some functional components may be implemented by hardware, and other functional components may be implemented by software.

The processor 11, the memory 12, the storage 13 and the electronic circuit 15 are called a processing circuit. That is, the function of each functional component is realized by the processing circuit.

Also, "unit" in the above description may be read as "circuit", "process", "procedure", "process", or "processing circuit".

Embodiment 2.
Embodiment 2 differs from Embodiment 1 in that the authentication method differs depending on the insurance company to which the insurance claim is made. In the second embodiment, this different point will be explained, and the explanation of the same point will be omitted.

*** Configuration description ***
The configuration of insurance brokerage device 10 according to the second embodiment will be described with reference to FIG.
Insurance brokerage device 10 differs from insurance brokerage device 10 shown in FIG. 2 in that storage 13 implements authentication strength storage unit 136 .

***Description of operation***
The operation of insurance brokerage device 10 according to the second embodiment will be described with reference to FIGS. 16 to 18 .
The operation procedure of the insurance brokerage device 10 according to the second embodiment corresponds to the insurance brokerage method according to the second embodiment. Also, a program that realizes the operation of the insurance intermediation device 10 according to the second embodiment corresponds to the insurance intermediation program according to the second embodiment.

Information stored in the authentication information storage unit 135 according to the second embodiment will be described with reference to FIG.
The authentication information storage unit 135 stores an insurance company name and authentication strength for each insurance company ID. Authentication strength indicates the strength of assurance by authentication processing.

Information stored in the authentication strength storage unit 136 according to the second embodiment will be described with reference to FIG. 17 .
In the authentication strength storage unit 136, one or more authentication types are stored in descending order of priority for each authentication strength, and an authentication notification screen is stored. For example, as authentication types with high authentication strength, face authentication, phone authentication, and use of authentication code are set in order, and an authentication notification screen is stored that prompts the user to perform any one of face authentication, phone authentication, and authentication code. It is

Processing of the insurance intermediation system 1 according to the second embodiment will be described with reference to FIG. 18 .
The processing from step S201 to step S206 is the same as the processing from step S101 to step S106 in FIG. The processing from step S209 to step S211 is the same as the processing from step S109 to step S111 in FIG.

(Step S207: screen display processing)
Screen display unit 113 of insurance brokerage device 10 displays an information input screen, a consent screen, and an authentication notification screen. The information input screen and the consent screen are the same as the process of step S107 in FIG.

<Authentication notification screen>
The screen display unit 113 displays on the user terminal 20 an authentication notification screen prompting execution of the authentication process, and causes the user terminal 20 to execute the authentication process.
Specifically, screen display unit 113 reads from authentication information storage unit 135 the authentication strength corresponding to the insurance company indicated by the selection information transmitted in step S103. Screen display unit 113 reads the authentication notification screen corresponding to the read authentication strength from authentication strength storage unit 136 . Then, the screen display unit 113 displays the read authentication notification screen on the user terminal 20 .

(Step S208: information input processing)
The user terminal 20 performs authentication processing while performing input on the information input screen and the consent screen. The input to the input fields of the information input screen and the consent screen is the same as the process of step S108 in FIG.

If the insurance company agrees to obtain a medical certificate from the hospital, the user of the user terminal 20 performs an authentication process. At this time, according to the guidance on the authentication notification screen, the authentication process is executed by the authentication method of the authentication type with the highest possible priority.
Specifically, the authentication processing is performed by authentication type 1, which has the highest priority. An authentication process is executed using an authentication type with a high degree of authentication.
Although the process of step S209 is the same as the process of step S109, the authentication history storage unit 134 may be configured to store the authentication strength together with the authentication type.

*** Effect of Embodiment 2 ***
As described above, in the insurance intermediation system 1 according to the second embodiment, an authentication method with an authentication strength corresponding to an insurance company to which an insurance claim is made is used. The required authentication strength may differ from the balance between the strength of guarantee for the agreement by the insurance company and the effort of the user. In general, the higher the authentication strength, the more troublesome the user tends to have. In the insurance intermediation system 1 according to Embodiment 2, it becomes possible to employ an authentication method that meets the requirements of insurance companies.

The embodiments and modifications of the present disclosure have been described above. Some of these embodiments and modifications may be combined and implemented. Also, any one or some may be partially implemented. It should be noted that the present disclosure is not limited to the above embodiments and modifications, and various modifications are possible as necessary.

1 insurance intermediation system 10 insurance intermediation device 11 processor 12 memory 13 storage 14 communication interface 15 electronic circuit 111 insurance information acquisition unit 112 prior judgment unit 113 screen display unit 114 claim payment unit 131 user Information storage unit 132 Hospital information storage unit 133 Screen information storage unit 134 Authentication history storage unit 135 Authentication information storage unit 20 User terminal 30 Insurance company device 90 Transmission line.

Claims (10)

an insurance information acquisition unit that acquires insurance information indicating insurance items and policy numbers from a user terminal;
Information for displaying, on the user terminal, an information input screen corresponding to the item indicated by the insurance information acquired by the insurance information acquiring unit, and making a claim for payment of an insurance claim for the item of insurance to an insurance company. a screen display unit for inputting
a claim section for sending a policy number indicated by the insurance information and the input information entered on the information input screen displayed by the screen display section to an insurance company device to claim the insurance claim; prepared,
The screen display unit displays, on the user terminal, a consent screen showing the input information input to the information input screen , and the insurance company of the medical certificate limited to the claim specified by the input information. to input consent information indicating whether or not to consent to the acquisition by
The insurance intermediation device, wherein the billing unit transmits the consent information to the insurance company device together with the input information. The screen display unit displays, on the user terminal, an authentication notification screen prompting execution of authentication processing when consent information indicating consent to obtain a medical certificate is input, and is identified from the security number. 2. The insurance intermediation device according to claim 1, which performs personal authentication for authenticating that the person is an insurance policyholder. 3. The insurance intermediation apparatus according to claim 1, wherein said claiming section transmits said input information to said insurance company apparatus when the identity of the policyholder specified by said policy number is successfully authenticated. 4. The billing unit according to claim 3, wherein, when the personal authentication by an authentication method having an authentication strength corresponding to an insurance company specified from the policy number is successful, the input information is transmitted to the insurance company device. Insurance brokerage device. The insurance brokerage device further
prior to transmitting a policy number indicated by the insurance information to an insurance company device and obtaining claim propriety information indicating whether or not it is possible to claim payment of an insurance claim specified by the policy number from the insurance company device; Equipped with a judgment unit,
5. Any one of claims 1 to 4, wherein the screen display unit displays the information input screen when the billing approval/disapproval information acquired by the prior determination unit indicates that billing is executable. 10. An insurance intermediary device according to claim 1. The insurance company device is provided corresponding to each insurance company,
6. The insurance brokerage apparatus according to any one of claims 1 to 5, wherein said billing unit transmits said policy number and said input information to an insurance company device corresponding to an insurance company specified from said policy number. The billing unit stores the policy number indicated by the insurance information to be transmitted to the insurance company device and the input information input to the information input screen displayed by the screen display unit in the authentication history storage unit. Item 7. The insurance intermediary device according to any one of Items 1 to 6. an insurance information acquisition unit of an insurance intermediary device acquires insurance information indicating an insurance item and a policy number from a user terminal;
The screen display unit of the insurance intermediation device displays on the user terminal an information input screen corresponding to the item indicated by the insurance information, and makes a claim for payment of an insurance claim for the item of insurance to an insurance company . enter information,
The screen display unit of the insurance brokerage device displays, on the user terminal, a consent screen showing input information input on the information input screen , and a medical certificate limited to the payment claim specified by the input information. to input consent information indicating whether or not to consent to the acquisition by the insurance company of
A billing unit of the insurance intermediary device transmits the policy number indicated by the insurance information, the input information input to the information input screen, and the consent information to the insurance company device, and requests payment of the insurance money. insurance brokerage method. Insurance information acquisition processing for acquiring insurance information indicating insurance items and policy numbers from a user terminal;
Information for displaying, on the user terminal, an information input screen corresponding to the item indicated by the insurance information acquired by the insurance information acquisition process, and making a claim for payment of an insurance claim for the item of insurance to an insurance company. screen display processing for inputting
claim processing for claiming payment of the insurance by transmitting the policy number indicated by the insurance information and the input information input to the information input screen displayed by the screen display processing to an insurance company device; Let the computer function as an insurance intermediary device that
In the screen display process, a consent screen indicating the input information input on the information input screen is displayed on the user terminal, and the insurance company of the medical certificate limited to the claim specified by the input information. to input consent information indicating whether or not to consent to the acquisition by
An insurance intermediation program for transmitting the consent information to the insurance company device together with the input information in the claim processing. An insurance brokerage system comprising a user terminal for use by a policyholder, an insurance company device for use by an insurance company, and an insurance brokerage device;
The insurance brokerage device
an insurance information acquisition unit that acquires insurance information indicating the type of insurance and policy number from the user terminal;
Information for displaying, on the user terminal, an information input screen corresponding to the item indicated by the insurance information acquired by the insurance information acquiring unit, and making a claim for payment of an insurance claim for the item of insurance to an insurance company. a screen display unit for inputting
a claiming unit for sending a policy number indicated by the insurance information and input information input to the information input screen displayed by the screen display unit to the insurance company device to claim the insurance claim; with
The screen display unit displays, on the user terminal, a consent screen showing the input information input to the information input screen , and the insurance company of the medical certificate limited to the claim specified by the input information. to input consent information indicating whether or not to consent to the acquisition by
The insurance brokerage system, wherein the billing unit transmits the consent information to the insurance company device together with the input information.

Images