JP2002329071A - Insurance processing server, its computer program, insurance processing system and its program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance processing server, its computer program, an insurance processing system and its processing method, and to reduce both processing time and processing cost by improving the efficiency of information transmission, and simplifying the process by storing leased property information in a database, and sharing the database to related persons via a communication network. SOLUTION: The leased property information stored in the database 12 of the insurance processing server 10 is shared with related persons for the insurance processing, a lease user notifies the insurance processing server 10 about an accident, the insurance processing server 10 automatically transmits an electronic mail of an accident notice to a repair company, and a responsible person in the repair company makes an estimate after obtaining the information on the damaged lease property and the accident state by using a repair company terminal 40 and transmits the estimate to the insurance processing server 10. The insurance processing server 10 transmits these pieces of information sequentially to a leasing company and an insurance company and urges their respective approvals.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance processing server for performing insurance processing on a leased property having an accident, a computer program for processing the same, an insurance processing system and a processing method therefor.

[0002]

2. Description of the Related Art Normally, the handling of insurance accidents involves the owner of the property in which the accident occurred, a repair company, and an insurance company.
The repair company and the insurance company, which have been notified of the accident or the breakdown, perform the processing according to the prescribed processing procedures.
For example, a repair company confirms the situation of an accident, creates a repair estimate, and submits it to the owner and the insurance company. The insurance company calculates the amount of non-life insurance to be paid based on the type of insurance contract entered into with the property owner, insurance content, etc., and approves the repair company's estimate based on this amount, Pay the repair cost to the repair company.

[0003] Since a leased property is owned by a leasing company, the insurance accident processing of the leased property is performed by a lease user,
Since the repair company, leasing company and insurance company are involved, the procedure is complicated, there are many documents required for paperwork, and it takes time for the approval of each of the leasing company and insurance company. As a result, the processing burden on the leasing user and the repair company increases, which may make the leasing user feel inconvenient.

FIG. 19 is a flow chart showing the flow of insurance accident processing for a leased property. As shown in the figure, when the leasing user discovers an accident or a breakdown in a property, the leasing user first notifies the repair company or the leasing company of the situation of the accident (step SS1). The repair company confirms the situation of the accident or the breakdown, prepares a repair quote based on the situation, and sends it to the leasing user, the leasing company or the insurance company (step SS).
2). After reviewing the insurance accident report from the lease user and the repair quote from the repair company, the leasing company approves the repair quote for the leased property (step SS3). When the approval of the leasing company is obtained, the insurance company approves the estimate of the repair company based on the type and contents of the insurance concluded with the leasing company and pays the repair fee to the repair company (step SS4). .

[0005] As described above, a lease user must wait for approval of each of a leasing company and an insurance company from the discovery of an accident in a leased property until the repair company completes the repair, which takes time. In addition, the procedure is more complicated because the lease company that is the owner of the property intervenes in the processing of the insurance accident for the lease property as compared with the normal property.

[0006]

As described above, when an accident process is performed on a leased property in accordance with the above-described conventional procedure, a large processing burden is imposed on each of a lease user, a repair company, a lease company, and an insurance company. In particular, it is difficult for a leasing company that owns a large number of leasing properties to efficiently handle all accidents. In addition, there are many documents required for the handling of insurance accidents for the leasing user, and it takes time to approve each of the leasing company and the insurance company, and furthermore, it takes time and labor to perform administrative work. In addition, repair companies perform repairs every time an insurance accident occurs, but they do not have the opportunity to contact the contract data of leased properties, so the means of contacting related parties rely on telephone, mail or fax. It is. In addition, since the repair fee is actually paid after the insurance money is fixed, it takes time until the repair fee is collected.

Further, for a leasing company, it takes time from the occurrence of an accident to the preparation of necessary documents for a leasing company, and it is also necessary to perform a time-consuming operation such as re-creating the prepared documents when the prepared documents are incomplete. Further, it is necessary to mediate information on leased properties between the leasing user and the insurance company, and for a leasing company having a large number of leased properties, the labor spent on information transmission processing cannot be ignored and rationalization is desired. Furthermore, for insurance companies, the processing of insurance accidents starts after receiving an application from a leasing company, but in some cases, the number of days has passed since the occurrence of the accident, making it difficult to confirm the accident situation and make an assessment based on it. Can be

[0008] As described above, the processing of the insurance accident of a leased article by the conventional processing procedure is complicated and inefficient for each person involved in the leasing user, the repair company, the leasing company and the insurance company. It is desired to reduce the processing load and the processing time by simplifying and streamlining the processing.

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and has as its object to create a database of information related to insurance accident processing of leased articles, and to transmit information by sharing the database with related parties via a communication network. Processing server, a computer program, an insurance processing system, and a processing method thereof, which can realize efficiency improvement and simplification of processing, can shorten the time required for insurance accident processing of a leased property, and can reduce processing cost. It is in.

[0010]

In order to achieve the above object, an insurance processing server according to the present invention is an insurance processing server which is connected to a network and performs insurance processing relating to repair of a leased property in which an insurance accident has occurred. A storage unit for storing information of the lease property provided by the leasing company and the leasing user, and receiving an accident report from the leasing user,
A first notification unit for transmitting an accident notification to the information processing equipment of the repair company via the network, and a repair company which receives the repair quote transmitted by the repair company and owns the leased property via the network. A second notifying means for transmitting a notification prompting approval to the information processing device, and a third notification means for receiving the notification of approval from the leasing company and transmitting a notification prompting approval to the information processing device of the insurance company via the network. Notifying means and information indicating the accident situation description, the estimation result, the approval result of the leasing company, and the information indicating the approval result of the insurance company together with the information of the leased property stored in the storage means via the network. ,
Means for disclosing information to persons involved in insurance processing.

In the present invention, preferably, the information disclosure means has information selection means for selecting and disclosing the information to a person involved in the insurance processing.

[0012] In the present invention, preferably, the information selecting means discloses to the lease user only information on a leased property contracted by the lease user,
Disclose to the above repair company only information on leased properties for which the repair company is in charge of repair.

[0013] In the present invention, preferably, the information selecting means discloses only the information on the leased property owned by the leasing company to the leasing company, and the insurer provides the insurer with the insurance company. Only disclose information on leased properties under insurance contracts.

In the present invention, preferably, the first notifying means transmits the accident notice by e-mail to a mail address of the repair company.

[0015] In the present invention, preferably, the second notifying means transmits, by e-mail, a notice urging approval to the mail address of the leasing company.

In the present invention, preferably, the third notifying means sends a notification urging approval to the mail address of the insurance company by e-mail.

Further, in the present invention, preferably, the storage means stores information on leased articles provided by a plurality of leasing companies.

In the present invention, preferably, the storage unit periodically receives lease property information from the lease company and updates the stored lease property information.

In the present invention, preferably, there is provided a lease property management means for associating the lease property information provided by the lease company with the lease property information provided by the lease user. Further, the lease property management means associates a lease company management number assigned to the lease property by the lease company with a lease user management number assigned to the lease property by the lease user.

In the present invention, preferably, the information indicating the approval result of the insurance company includes information relating to insurance payment,
For example, information such as the insurance amount to be paid, the scheduled payment date, and the like are included.

[0021] The computer program for an insurance processing server according to the present invention includes a step of storing information on a leased property provided by a leasing company and a leasing user, and receiving an accident report from the leasing user via a network. Sending an accident notification to the information processing equipment of the repair company, and receiving a repair estimate sent by the repair company, and sending a notification prompting approval to the information processing equipment of the leasing company that owns the leased property via the network. Sending, and receiving an approval notice from the leasing company,
Transmitting a notification prompting approval to the information processing equipment of the insurance company via the network; and storing the information of the leased property together with the accident situation description, the estimation result, the approval result of the lease company, and the Information indicating the approval result of the insurance company is sent via the above network,
And a step to be disclosed to a person involved in insurance processing.

The insurance processing system according to the present invention includes an insurance processing server connected to a network, a lease user information processing apparatus, a repair company information processing apparatus, a leasing company information processing apparatus, and an insurance company information processing apparatus. A processing system, wherein the insurance processing server receives, via the network, storage means for storing lease property information provided by a leasing company and a leasing user, and an accident report transmitted from the leasing user information processing device. A first notification means for transmitting an accident notification to the repair company information processing device, and a repair quote transmitted from the repair company,
Sending a notification for approval to the information processing equipment of the leasing company owning the leased property via the network,
Notification means and an approval notification from the above leasing company,
A third notifying unit that transmits a notification prompting approval to the insurance company information processing device via the network, and information on the lease property stored in the storage unit,
Information disclosure means for disclosing information indicating the accident situation description, the contents of the repair estimate, the approval result of the leasing company, and the approval result of the insurance company to persons involved in insurance processing via the network.

Further, the insurance processing method according to the present invention provides an insurance processing server including an insurance processing server connected to a network, a lease user information processing apparatus, a repair company information processing apparatus, a leasing company information processing apparatus, and an insurance company information processing apparatus. A processing method of the processing system, wherein a step of storing lease property information provided by a lease company and a lease user;
Receiving an accident report transmitted from the lease user information processing device, transmitting an accident notification to the repair company information processing device via the network, receiving a repair estimate transmitted from the repair company, Sending a notification prompting approval to the leasing company information processing device that owns the leased property via the network, and receiving a notification of approval from the leasing company and notifying the insurance company information processing device via the network to request approval Transmitting the information of the lease property stored in the storage means together with the accident situation description, the contents of the repair estimate, the approval result of the leasing company, and the information indicating the approval result of the insurance company. And disclosing the information to a person who is involved in the insurance processing via the Internet.

[0024]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS First Embodiment FIG. 1 is a circuit diagram showing a first embodiment of an insurance processing system including an insurance processing server according to the present invention. As illustrated, the insurance processing system of the present embodiment includes an insurance processing server 10, a lease company host computer 20, a lease user terminal 30, a repair company terminal 40, a lease company terminal 50,
It is composed of an insurance company terminal 60 and a network 70.

[0025] The insurance process for a leased property involves four users, a leasing user, a repair company, a leasing company and an insurance company, and the processing procedure is complicated, and there are many exchanges of information necessary for the insurance process. In the insurance processing system of the present embodiment,
Information required for insurance processing is transmitted via the network, and processing efficiency is improved. In the insurance processing system shown in FIG. 1, the insurance processing server 10 and the lease company host computer 20 are operated and managed by, for example, a leasing company. The lease user terminal 30 is an information processing device such as a personal computer owned by a lease user. The repair company terminal 40 is an information processing device such as a personal computer owned by a repair company. Information processing equipment such as personal computers owned by leasing companies,
Further, the insurance company terminal 60 is an information processing device such as a personal computer owned by the insurance company.

Here, the lease user, the repair company,
A personal computer as an information processing device in a leasing company and an insurance company is one configuration example, and the present invention is not limited to this configuration example, and may be a server having information processing and information communication functions. . FIG.
Shows only one lease user terminal, repair company terminal, leasing company terminal and insurance company terminal, respectively, but in an actual insurance processing system, a lease user who has concluded a lease contract with a leasing company There are many, as well as multiple repair companies that undertake repairs for many leased properties, or multiple insurance companies that have insurance contracts.
For this reason, in an actual insurance processing system, there are a plurality of leasing user terminals, repair company terminals, and insurance company terminals connected to the insurance processing server 10 via the network 70, and even if there is only one leasing company, When a plurality of persons are in charge of the insurance processing, each person connects to the insurance processing server 10 using his / her own terminal to perform the processing, so that there are a plurality of leasing company terminals.

However, in the insurance processing system shown in FIG. 1, it is assumed that the insurance processing server 10 is managed and operated by one leasing company. In other words, the insurance processing server 10 obtains information on the leased property from the host computer 20 of the leasing company, which is the operating entity, holds the information in the database 12, and allows the concerned parties to share these data in the insurance processing, thereby providing insurance. Improve processing efficiency. Note that an insurance processing server that performs insurance processing of a leased property owned by a plurality of leasing companies differs from the present embodiment in the point of data sharing of the leased property, which is described in the second embodiment of the present invention. It will be described in detail.

Hereinafter, each part of the insurance processing system of the present embodiment will be described, and then the processing of the entire system will be described. FIG. 2 shows a configuration example of the insurance processing server 10. As illustrated, the insurance processing server 10 includes the control unit 1
1, a storage unit 13, a network Internet 15, and an information disclosure unit 17.

The control unit 11 controls the processing of each part of the insurance processing server 10. The control unit 11 can be configured by a microprocessor such as a CPU that performs processing according to a computer program created in advance. The storage unit 13 stores information on lease properties,
Information of a lease user, a repair company, a leasing company, and an insurance company registered in the insurance processing system, for example, respective identification information, and various information created in the insurance processing process, for example, input by a lease user It stores information such as a description of the accident situation, quotation information input by a person in charge of the repair company, and approval results of the leasing company and the insurance company.

The network interface 15 is an interface circuit for transmitting and receiving information to and from the network 70. The information disclosing unit 17 transmits the information stored in the storage unit 13 to each concerned person via the network interface 15 in response to an access request from a person involved in the insurance processing. Note that, in the insurance processing server 10 of the present embodiment, the information disclosure unit 17 performs so-called information filtering for selectively disclosing information to a related person. For example, when a request to view lease property information is received from a lease user, only information on the lease property under contract is provided to the lease user.
Similarly, in response to a request for viewing the leased property information of the repair company, only the information on the leased property contracted by the repair company for repair is provided.

The insurance processing server 10 having the above configuration
Manages information on all leased properties owned by the leasing company that operates the insurance processing system in a database. This database 12 is stored, for example, in the storage unit 13 shown in FIG. The insurance processing server 10 periodically updates the contents of the database 12 by inputting the latest information of the leased property based on the lease contract data stored from the lease company host computer 20 and the property management data of the user. For this reason, the database 12 is always provided with the latest information on all leased properties owned by the leasing company or leased properties of a specific group of customers.

FIG. 3 shows an example of this database. As shown in the figure, the database stores a user management number (No), a leasing company management number, property contents,
The installation location name, installation location address, inspection date, expiration date, number of lease months, monthly lease fee, and remaining lease fee are displayed. The contents of these information that change with time, for example, the contents such as the total remaining lease fee, are acquired from the lease company host computer 20 every month and updated based on the leased property information. The property is always up to date.

As shown in FIG. 3, there are two identification numbers, namely, a lease company management number assigned by the leasing company for the same leased property and a user management number assigned by the lease user. The leasing company or the leasing user manages the leased article with its own management number. For this reason, the insurance processing server 10 is provided with a lease property management means for associating the lease company management number with the lease user management number, and the lease property management means assigned to each lease property by the lease property management means. Is associated with the lease user management number, and a relation table indicating the correspondence is stored in the database.

The insurance processing server 10 holds management information of all the lease users, repair companies, and insurance companies that have concluded insurance contracts for leased properties. For example, a leasing user, a repair company, and an insurance company that use services provided by the insurance processing server 10 register in advance with the insurance processing server 10, and issue identification numbers and passwords (passwords) from the insurance processing server 10, respectively. get. The management information of the insurance processing server 10 includes identification information including a registered lease user, an identification number issued to a repair company and an insurance company, a password, and the like. When the person in charge accesses the insurance processing server 10 at each terminal, the insurance processing server 10 confirms the identity of the accessing person based on the input identification number and password, and needs only the confirmed person. Provide important information and services.

When a leasing user, a repair company, a leasing company, and an insurance company register in the insurance processing server 10,
Each e-mail address is registered in the insurance processing server 10, or the insurance processing server 10 issues a new e-mail address. Therefore, when performing the insurance processing procedure, the insurance processing server 10 provides information necessary for the insurance processing to each of the leasing user, the repair company, the leasing company, and the insurance company, for example, an accident or a breakdown (hereinafter referred to as an accident for convenience). By sending a notice of the situation, a notice of the estimation result, and a notice of the approval result of the leasing company and the insurance company by e-mail, the processing load can be reduced and the procedure can be speeded up.

Further, the insurance processing server 10 performs so-called information filtering for selectively providing information to an accessing person. For example, when it is confirmed that the lease user A has been registered after receiving access from the lease user A, information on the lease property contracted by the lease user A to the lease user A, for example, management of the lease property Only information such as the number, the content of the property, the installation location, the lease period, the lease fee, the remaining lease fee, etc. is presented, and the lease property information contracted by another lease user is not provided.

Further, when receiving the notification of the accident from the leasing user, the insurance processing server 10 obtains information on the situation of the accident, etc., and notifies the repair company, the leasing company and the insurance company of the accident, respectively. It collects and provides information necessary for processing, and manages each processing until the insurance company pays insurance money. The procedure of the insurance processing in the insurance processing server 10 will be described in more detail later.

The lease company host computer 20 is a computer owned and operated by the lease company. The host computer stores information on all leased properties owned by the leasing company, for example, lease contract data, user property management data, and the like. The lease company host computer 20 periodically provides information on the leased property to the insurance processing server 10. For example, the lease company host computer 20
The information which fluctuates every month, such as the monthly lease charge and the total remaining lease charge of the leased property contracted by each lease user, is transmitted to the insurance processing server 10 for a predetermined period, for example, every month. In response, the insurance processing server 10 periodically updates the lease property information held in the database 12 and always keeps the lease property information in the database 12 up to date.

The lease user terminal 30 is an information processing device owned by the lease user. The lease user accesses the insurance processing server 10 using the terminal, and authenticates to the insurance processing server 10 by inputting identification information including the identification number and the password issued by the leasing company in advance to the terminal. get. Then, when the user is authenticated by the insurance processing server 10, the server receives the necessary information and service. Note that in the following description, access to the insurance processing server 10 using an identification number and a personal identification number previously issued to the insurance processing system by a person involved in the insurance processing and receiving authentication are referred to as login.

For example, when a lease user finds an accident in a leased property, he logs in to the insurance processing server 10 using the lease user terminal 30. Then, information about the leased property under contract is transmitted from the insurance processing server 10, and a leased property list is displayed on the screen of the terminal. FIG. 4 shows an example of a lease property list displayed on the screen of the lease user terminal 30. As shown in the figure, this list contains actions, input contents, progress status, payment (planned) date, user management number, leasing company management number, property contents, installation location name, installation location address, acceptance date,
The expiration date, number of lease months, monthly lease payments, and remaining lease payments are displayed.

When the leasing user clicks a corresponding place of the target property where the accident has occurred, for example, an “accident” button 100 shown in FIG. 4 under the action item, the accident content input shown in FIG. The screen appears.

As shown in FIG. 5, the accident content input screen has items for the date of occurrence of the accident, the content of the accident, and a detailed description, and a space for inputting each item by the lease user is provided. After the leasing user inputs each item, the user selects (clicks) either the “register” or “stop registration and close” button provided at the bottom of the screen. When the “register” button is selected, identification information of the leased property in which the accident occurred, for example,
The contents input by the lease user are transmitted to the insurance processing server 10 in a data file together with the user management number and the lease company management number of the leased property. When the “stop registration and close” button is selected, the input screen shown in FIG. 6 is closed, and the contents input so far are deleted.

As described above, the leasing user can notify the insurance processing server 10 of the accident by inputting the situation of the accident using his / her own terminal and transmitting it to the insurance processing server 10. Then, after the accident notification, the user logs in to the insurance processing server 10 at any time to check the contents of the notification input by the user, check the progress of the processing procedure, and check the date of payment of the insurance money or the expected date of payment. be able to. For example, by selecting a corresponding part of a predetermined property under the item of the input content on the display screen shown in FIG. 4, the input content of the accident status related to the property is displayed on another display screen, and the user confirms it. can do. Also,
Information such as progress status and payment (planned) date can be viewed directly from the display screen of FIG.

The repair company terminal 40 is an information processing device owned by the repair company. The person in charge of the repair company logs in to the insurance processing server 10 from the terminal using the identification number and password previously issued by the leasing company, receives the notification of the accident, and further obtains the situation of the accident. be able to.

For example, when a notice of an accident is sent from the lease user to the insurance processing server 10, the insurance processing server 10
, An accident notification e-mail is automatically sent to the repair company. When the person in charge of the repair company logs in to the insurance processing server 10 from the terminal of the repair company, it can receive an e-mail from the insurance management server 10 and receive a notification of the accident. By attaching data such as the number of the leased property, the details of the accident entered by the lease user, and a detailed description in the accident notification e-mail, for example, the repair company The accident situation can be grasped by reading the e-mail. Alternatively, the e-mail may be used to notify only the occurrence of the accident together with the accident article number, and the details of the accident situation may be obtained by a person in charge of the repair company inquiring the insurance processing server 10 from the terminal screen.

When the terminal operator of the repair company logs in to the insurance processing server 10 using the terminal, for example, a list shown in FIG. 6 is displayed on the display screen of the terminal. This list shows only the contents of the leased item in charge of repair specified by the repair contract previously concluded by the repair company with the leasing company or the lease user. As shown in FIG. 6, in this list, actions, input contents, progress status, payment (planned)
Date, user management number, leasing company management number, property content,
Information such as installation location name, installation location address, inspection date, expiration date, number of lease months, etc. is displayed. Contents required by the repair company such as lease fees Contract information is not displayed.

When the person in charge of the repair company selects a corresponding part of the predetermined leased item under the item of the input content on this display screen, another display screen, for example, the display screens shown in FIG. Except the "Register and close" button)
Is displayed, and the description of the accident situation input by the lease user is displayed therein, so that the person in charge of the repair company can grasp the situation of the accident based on the display contents. In addition, the repair company staff can check the installation location of the leased property where the accident occurred and the address of the installation location on the display screen of FIG. Can be confirmed.

The person in charge of the repair company makes a repair estimate based on the accident situation. At this time, the person in charge of the repair company logs in to the insurance processing server 10 using the identification number and the password, and on the screen on which the list shown in FIG. 6 is displayed,
By selecting the relevant leased item under the action item, an estimate input screen shown in FIG. 7 is displayed on the terminal.

As shown in FIG. 7, on this input screen, there are items of an estimate date, an estimate result, an estimate file attachment and a photo file attachment, and an input space corresponding to each item is provided. The person in charge of the repair company inputs each item. For example, if you enter the number of days required for repair in the column of the estimation result based on the situation of the accident of the leased property and send the estimate in the attached file,
The file name can be specified, and further, the file name of an image file created from a photograph of the leased property site where the accident has occurred can be specified. The image file may be, for example, a still image jpg file or a moving image data file as shown in FIG. The image data file is, for example, image data obtained directly as a data file by photographing with a digital camera, and image data obtained by capturing a photograph obtained by photographing with a normal camera by a scanner. The moving image data file includes, for example, image data of a moving image captured by a digital video camera.

The person in charge of the repair company inputs the estimation result on the input screen shown in FIG. 7, specifies the file name of the required attached file, and selects the “register” button at the bottom of the screen, and the input contents are displayed. Is transmitted to the insurance processing server 10 via the network. Alternatively, when the “stop registration and close” button in FIG. 7 is selected, the input screen shown in FIG. 7 is closed, and the input estimation contents are deleted.

When the person in charge of the repair company selects “registration”, the quotation information relating to the repair of the leased property is transmitted to the insurance processing server 10. Send an e-mail notification of the accident to the leasing company to request approval from the leasing company for the repair company's estimate.

The lease company terminal 60 is an information processing device owned by the lease company. When the person in charge of the leasing company inputs the identification number and the password at the leasing company terminal 50 and logs in to the insurance processing server 10, the accident notification e-mail transmitted from the insurance processing server 10 can be received. The person in charge of the leasing company browses the e-mail to identify the leased property in which the accident occurred, and obtain information on the leased property.

For example, after the person in charge of the leasing company logs in to the insurance processing server 10, a list shown in FIG. 8 is displayed on the display screen of the terminal. The list includes actions,
Input contents, progress status, payment (planned) date, user management number, leasing company management number, property details, installation location name, installation location address, acceptance date, expiration date, number of lease months, monthly lease fee,
Information such as the remaining lease fee meter is displayed. The person in charge of the leasing company, under the entry field of the applicable leased property,
When the "Inquiry" button is selected, the description of the accident situation input by the lease user and the contents of the estimate input by the person in charge of the repair company are displayed on separate display screens or on a small screen overlapping the display screen of FIG. Will be displayed. Then, the clerk can browse the attached file of the estimator and a photograph of the accident site of the leased property in which the accident has occurred, by selecting the attached file on the display screen of the details of the estimate.

The leasing company determines whether or not to approve the repair estimate for the leased article based on the situation of the accident and the contents of the estimate. For example, if the person in charge of the leasing company can approve the quote, selecting the “Approve” button for the leased item under the action item in the list shown in FIG. 8 causes the approval screen shown in FIG. 9 to appear. When the person in charge of the leasing company selects the button to approve on this approval screen and further selects the “register” button, a notification that the leasing company has been approved is transmitted to the insurance processing server 10.
Also, if the person in charge of the leasing company cannot immediately approve the contents of the quote with its own authority, report the accident situation and the contents of the estimate to other persons in the company, and if necessary, for example, To decide whether to approve. When the decision to approve is made, the person in charge approves on the approval screen shown in FIG. 9, selects the “register” button, and notifies the insurance processing server 10 of the approval, as described above.

When the insurance processing server 10 receives a notice of approval from the leasing company terminal 50, it notifies the insurance company of an accident and urges approval of the estimate and payment of the insurance premium.

The insurance company terminal 60 is an information processing device owned by the insurance company. The person in charge of the insurance company inputs the identification number and password at the insurance company terminal 60 and logs in to the insurance processing server 10. As a result, the insurance company staff can receive the e-mail from the insurance processing server 10 and obtain information for specifying the leased property in which the accident has occurred, for example, the user management number of the leased property or the lease company management number. After login, the list shown in FIG. 10 is displayed on the display screen of the insurance company terminal 60. The list includes actions, input contents, progress status, payment (scheduled) date, user management number, leasing company management number, property contents, installation location name, installation location address, acceptance date, expiration date, lease months, Information such as monthly lease payments and remaining lease payments is displayed.

The person in charge of the insurance company can obtain information such as the accident status of the leased property, the details of the estimate, and whether or not the lease company has been approved, on the display screen shown in FIG. For example,
In the list shown in FIG. 10, when an “inquiry” button of a corresponding property is selected under the item of the input content, a description of the content of the accident input by the lease user for the leased property in which the accident has occurred, Is displayed, and a display screen indicating whether or not the approval of the leasing company is present is displayed. In addition, these display screens are displayed separately, or, as shown in FIG. 12, are displayed on the small screens of the opened windows.

The person in charge of the insurance company can check the accident situation of the leased property, the estimation result of the repair company, and the result of approval of the lease company on the display screen of FIG.
In addition, it is also possible to open the attached file specified by the person in charge of the repair company as needed to view the quote and the photograph of the accident site of the leased property. Based on the information, the insurance company approves, for example, an internal decision, and determines the insurance amount to be paid for the accident of the leased property, the payment date, and the like.

Next, the person in charge of the insurance company selects the “approval” button of the relevant leased item under the action item on the display screen shown in FIG. 10, and the approval screen shown in FIG. 11 is displayed on the terminal. Is done. As shown in FIG. 11, on this approval screen, items of insurance payment date and insurance amount are displayed in addition to an approval button, and a space for inputting each item is provided. In addition, selection buttons for “registration” and “stop registration and close” are displayed for the result of approval. After the insurance company staff selects the "Approve" button on this approval screen and enters the insurance payment date and insurance amount items,
When the “register” button is selected, a notification that the insurance company has been approved is transmitted to the insurance processing server 10. The notice also includes information on the insurance payment date and the insurance amount.

The insurance processing server 10 has an insurance company terminal 60
Upon receipt of the approval notice from, the information is organized and the necessary information is provided to the related parties according to the access request of the related parties. For example, when the lease user who has notified the accident wants to know the progress of the insurance process, the lease user terminal 3
The user can log in to the insurance processing server 10 using 0 to check the progress of the insurance processing of the leased property. When receiving the access from the lease user terminal 30, the insurance processing server 10 transmits data of a list of leased properties contracted by the lease user to the lease user terminal 30 via the network. In response, for example, a list shown in FIG. 13 is displayed on the display screen of the lease user terminal 30.

As shown in FIG. 13, when a lease user has contracted for a plurality of leased properties, action, input contents, progress status, payment (planned) date, user management number, lease company management for each leased property. Information is displayed for each item such as a number, a property description, an installation location name, an installation location address, an inspection date, an expiration date, the number of lease months, a monthly lease fee, and a remaining lease fee meter. The lease user can view the insurance processing status for each leased item in the progress item. For example, while estimating a leased property,
A message is displayed indicating that another leased item is waiting for approval by the lease company or waiting for approval by the insurance company, so that the lease user can grasp the status of the insurance processing of these leased items. Further, when the leasing user selects an "inquiry" button under the item of the content input on this display screen, for example, a display screen shown in FIG. 14 is displayed, and a description of the accident situation inputted by the user, a charge of the repair company, The contents of the quote entered by the operator are displayed, and when the approval of the leasing company and the insurance company is obtained, the contents are also displayed. For example, in addition to the message of the approval of the leasing company and the approval of the insurance company, information such as the insurance amount paid by the insurance company and the date of insurance payment is also displayed.

The functions of the components such as the insurance processing server 10, the lease user terminal 30, and the repair company terminal 40 in the insurance processing system of the present embodiment have been described above. Next, the overall operation of the insurance processing system of the present embodiment will be described. FIG. 15 is a flowchart showing the flow of the insurance process. FIG. 16 is a flowchart showing the respective processes of the insurance processing server 10, the lease user, the repair company, the leasing company, and the insurance company for each stage of the insurance process. Hereinafter, the flow of the accident processing in the insurance processing system of the present embodiment will be described with reference to the flowcharts of FIGS. 15 and 16.

First, when an accident is discovered by the lease user, the accident situation is notified to the insurance processing server 10 (step S1). In this processing, the lease user logs in to the insurance processing server 10 using the lease user terminal 30, inputs the details of the accident and the details of the accident situation, and transmits it to the insurance processing server 10. Next, the insurance processing server 10
Receives the notification of the accident from the lease user, automatically sends an e-mail of the accident notification to the repair company (step S2).

The person in charge of the repair company logs in to the insurance processing server 10 using the repair company terminal 40, receives an e-mail from the insurance processing server 10, and further displays the contents of the accident and the accident situation on the display screen of the terminal. Confirmation and, if necessary, confirmation of the accident site before making an estimate (Step S
3). The contents of the estimate are transmitted to the insurance processing server 10. Upon receiving this, the insurance processing server 10 transmits an accident notification e-mail to the leasing company (step S4).

The person in charge of the leasing company makes the leasing company terminal 50
After logging in to the insurance processing server 10 using the e-mail, receiving notification of the accident by e-mail from the insurance processing server 10, and confirming the contents of the accident, the accident situation, and the contents of the estimate of the repair company,
Approval is performed (step S5). When the approval of the leasing company is made, a notice of the approval of the leasing company is sent to the insurance processing server 1.
Sent to 0. The insurance processing server 10 receiving this,
An accident notification e-mail is transmitted to the insurance company (step S6).

The person in charge of the insurance company logs in to the insurance processing server 10 using the insurance company terminal 60, receives a notification mail from the insurance processing server 10, and describes the details of the accident, the accident situation, the estimated contents of the repair company, and the lease. After confirming the approval of the company, the insurance payment is approved, and the insurance amount to be paid and the insurance payment date are determined (step S).
7). Then, the determined content is transmitted to the insurance processing server 10.

Next, the details of the processing in each stage of the insurance processing will be described with reference to FIG. First, in the processing stage of the accident occurrence notification, the lease user who has found the accident is referred to the insurance processing server 10 using the lease user terminal.
Then, according to the input items displayed on the display screen of the lease user terminal, the date of occurrence (or the date of discovery) of the accident, the details of the accident, a detailed description of the accident situation, and the like are entered, and the accident processing is entered into the insurance processing server 10. Make a notification.

When the insurance processing server 10 receives the notification of the accident from the lease user, the insurance processing server 10 receives information such as the date of occurrence of the accident, the details of the accident, and a detailed description of the accident situation from the lease user. Notify the repair company of the accident. In addition, by transmitting the accident notification in the form of an e-mail, information can be promptly transmitted.

Next, at the repair estimation stage, the person in charge of the repair company uses the repair company terminal 40 to
By logging in, information about the leased property can be queried and information on the accident of the leased property can be obtained. In addition, if necessary, the accident situation of the leased property is confirmed at the site where the accident occurred, a photograph is taken, and an estimate is made based on the result of the confirmation. Then, the user logs in to the insurance processing server 10, inputs necessary items according to the input items displayed on the screen of the repair company terminal 40, and attaches a file such as a quote, a photograph of the accident site, and the like. 10
Send to When the insurance processing server receives the quote from the repair company, it notifies the leasing company by e-mail.

Next, approval of the estimate, that is, approval processing 1 shown in FIG. 16, is performed by the leasing company. In this approval process, first, the person in charge of the leasing company logs in to the insurance processing server 10 using the leasing company terminal 50, browses the notification mail from the insurance processing server 10, and checks the situation of the accident and the result of the estimation. . Then, an estimate is approved based on the information. Here, if necessary, a decision is made within the leasing company through a decision and approval is determined. And
The person in charge of the leasing company inputs approval on the approval screen of the leasing company terminal 50.

The approval result of the leasing company is the insurance processing server 1
Sent to 0. In response, the insurance processing server 10 notifies the insurance company of the accident and sends an e-mail for urging approval. Next, in the approval of the insurance payment by the insurance company, that is, in the approval processing 2 shown in FIG. 16, the person in charge of the insurance company logs in to the insurance processing server 10 using the insurance company terminal 60 and sends a mail from the insurance processing server 10. Then, through this terminal, the details of the accident, the accident situation, the repair estimate result, and the approval result of the leasing company are confirmed, and the insurance payment is approved based on the information. Here, if necessary, a decision is made within the insurance company by a decision to determine the amount of insurance to be paid, the date of payment, and the like. In response to this decision, the insurance company staff uses the insurance company terminal 60 to input the result of insurance approval, and further inputs the insurance payment date and insurance amount according to the display items on the screen. Then, the input information is transmitted to the insurance processing server 10.

Finally, a payment confirmation process shown in FIG. 16 is performed. In this processing stage, as shown in the figure, the leasing user, the repair company staff, the leasing company staff, and the insurance company staff log in to the insurance processing server 10 at their own terminals to check the progress of the insurance processing. can do. For example, if the lease user is the insurance processing server 1
When the user logs in to “0” and instructs to confirm the progress, FIG.
Is displayed on the terminal screen. On this display screen, the leasing user can check the contract status of each contracted leased property and also check the status of the accident processing of the leased property in an accident.

Note that, due to the information filtering process in the insurance processing server 10, the items of the lease property list displayed on the terminal to the respective parties differ. For example, each lease user can view only the information on the leased property with which he or she has contracted, and cannot touch the lease contract information of other lease users. Also, repair companies do not disclose monthly lease payments and remaining lease payments for leased properties.

As shown in FIG. 16, it is possible to check the progress of insurance processing for each leased property before and after the insurance money is paid. The stakeholders can easily check the progress status of the insurance process at any time, and by improving the smoothness and speed of the process, the work efficiency of all the stakeholders can be improved.

As described above, according to the insurance processing system of the present embodiment, the lease property information is held in the database 12 of the insurance processing server 10, and the persons involved in the insurance processing are allowed to share the information of this database. The user notifies the insurance processing server 10 of the situation of the accident using the lease user terminal 30, the insurance processing server 10 automatically sends an e-mail of the accident notification to the repair company, and the person in charge of the repair company checks the repair company terminal. The information of the leased property in which the accident occurred and the accident situation are acquired using 40, an estimate is made, and the estimate is transmitted to the insurance processing server 10. The insurance processing server 10 sequentially transmits the information to the leasing company and the insurance company by e-mail, and prompts the approval of each. The approval process and further processing at each stage up to the payment of insurance claims are carried out smoothly, so that persons involved in insurance processing can reduce the processing burden of each by sharing data, and by improving the efficiency of insurance processing, Processing can be speeded up.

Second Embodiment FIG. 17 is a circuit diagram showing a second embodiment of the insurance processing system according to the present invention. As shown, the insurance processing system of the present embodiment has substantially the same configuration as the insurance processing system of the first embodiment of the present invention shown in FIG. However, in the insurance processing system of the present embodiment, the insurance processing server 10a
Obtains information on each leased property from multiple leasing companies, and allows related parties to share information on the properties of these leasing companies and information on lease users, repair companies, leasing companies, and insurance companies related to the leasing properties. The aim is to improve the efficiency of insurance transactions for leased properties involving many parties.

As described above, in the insurance processing system of the present embodiment, the insurance processing of the leased property of a plurality of leasing companies is performed. In other respects, for example, the paperwork procedures in each leasing user, repair company, leasing company, and insurance company are almost the same as those in the first embodiment. Hereinafter, sharing of the database of the insurance processing server 10a and data between related parties according to the present embodiment will be described, and detailed description of other processes similar to those of the first embodiment will be omitted to avoid duplication.

In the insurance processing system of this embodiment,
The insurance processing server 10a is jointly managed and operated by a plurality of leasing companies or leasing users. For this reason, the database 12a of the insurance processing server 10a includes
Host computers of a plurality of leasing companies, for example, FIG.
In the example of 7, the A lease company host computer 20a,
The information of the lease property owned by each lease company is acquired from the B lease company host computer 20b and held. However, the information that cannot be disclosed to the outside due to the respective leasing companies,
For example, information such as the lease fee of the leased property of the company and the total amount of the remaining lease fee of the lease user is stored in the insurance processing server 10a
Can not be provided. For this reason, in the insurance processing system of the present embodiment, the insurance processing server 10a acquires only information that can be disclosed from each leasing company,
Based on these, the database 12a is created and held. The information registered in the database 12a is disclosed to all the parties concerned as necessary in principle.

The insurance processing server 10a of the present embodiment
It goes without saying that, as in the first embodiment, filtering is performed on the information in the database. For example, when the leasing user logs in to the insurance processing server 10a from his / her terminal, the leasing user is presented with only information on the leased property contracted by the leasing user and presents the contract information of another leasing user. No, the lease user can view only the information of the leased property with which he or she has contracted.

FIG. 18 shows an example of lease property information presented to a lease user. As shown in the figure, the lease property information is a list of lease property information contracted by the relevant lease user.
For each leased property, user management number, leasing company name, leasing company management number, property content, installation location,
Items such as installation location address, expiration date, number of lease months, monthly lease payments, and remaining lease payments are included. As shown in the figure, information such as the monthly lease fee and the total remaining lease fee may not be presented by the leasing company, and in that case, the corresponding items are blank.

In the insurance processing system of this embodiment,
The insurance process is similar to the first embodiment of the present invention described above,
A lease user who has found an accident or a failure logs in to the insurance processing server 10a using the lease user terminal 30. As a result, a list of lease properties contracted by the lease user is displayed on the screen of the lease user terminal 30. The leasing user selects the accident occurrence button corresponding to the leased property in which the accident has occurred, so that, for example, as shown in FIG.
A small screen for entering the details of the accident and its details appears. The lease user enters the situation of the accident on this screen,
The information is transmitted to the insurance processing server 10a.

Upon receiving notification of the accident from the lease user, the insurance processing server 10a notifies the repair company undertaking the repair of the leased property by e-mail. Thereby, the person in charge of the repair company logs in to the insurance processing server 10a at the repair company terminal 40, browses the description of the accident situation input by the lease user, goes to the accident site if necessary, and confirms the situation. Make a repair quote. The person in charge of the repair company, for example, attaches a quote file and a data file of a photograph taken at the accident site together with the estimation result on the input screen shown in FIG. 7 and transmits the file to the insurance processing server 10a.

The insurance processing server 10a notifies the leasing company which owns the leased property of the estimation result, and urges the leasing company to approve the estimation. When the lease company receives notification of the approval of the quote, it further notifies the insurance company with the insurance contract. The insurance company makes a decision on insurance payment based on the situation of the accident, the estimation result, and the approval result of the leasing company, determines the insurance payment date, the insurance amount, etc., and notifies the insurance processing server 10a. Then, the information obtained from the persons involved in the insurance processing is disclosed to all the persons concerned through the network in the insurance processing server 10a, so that the leasing user, the repair company, the leasing company and the insurance company respectively provide the accident situation, the insurance Since the progress of the processing can be grasped one by one, the entire insurance processing can be smoothly performed, and the efficiency and speed of the insurance processing can be improved.

In particular, in the insurance processing system of this embodiment, when a plurality of leasing companies participate in this system,
There are a large number of contract leasing users, repair companies that undertake repairs for leased properties, and insurance companies that have concluded insurance contracts, so if normal insurance processing is used without using the system of the present embodiment, processing burden However, it is heavy, it takes time to process, and it is easy for errors to occur, which is likely to cause delays, which inconveniences those involved in insurance processing. In contrast, in the insurance processing system of the present embodiment,
By allowing all concerned parties to share information on leased properties presented by a plurality of leasing companies, at each stage of the insurance processing, the related parties can access the insurance processing server 10a and browse necessary information, In addition, since the progress status can be grasped at any time, the burden of paperwork can be greatly reduced, and the efficiency of processing can be improved. In addition, each leasing company can provide the minimum necessary lease information for insurance processing and participate in the system, and it is not necessary to disclose information such as lease payments for each convenience.
Business confidentiality can be protected. As described above, the insurance processing system according to the present embodiment can provide an easy-to-use service to many leasing companies.

Also, a large number of stakeholders register contact information, for example, an e-mail address with the insurance processing system, or have the system issue a new mail address, whereby all the information relating to the insurance processing can be obtained. The transmission can be automatically performed by a convenient means such as an e-mail by the insurance processing server 10a, so that the information can be transmitted at high speed and surely, and the processing can be speeded up.

[0086]

As described above, according to the insurance processing server, the computer program for controlling the same, the insurance processing system and the processing method of the present invention, information on a leased property can be obtained by a person involved in the insurance processing, for example, a lease. A user,
By allowing the repair company, the leasing company, and the insurance company to share the information, it is possible to easily confirm the information in the insurance process and avoid duplicate input. In addition, information necessary for insurance processing is automatically transmitted in the form of e-mail or the like by the insurance processing server, so that information transmission can be quickly and reliably realized. Further, according to the present invention, the input of information related to the insurance processing is performed by each concerned person according to the screen display of the terminal, and the input content can be checked by the insurance processing server, so that delay caused by an input error or the like can be eliminated, Further, since the processing load on the operator can be reduced, the efficiency and speed of the processing can be increased. Furthermore, according to the present invention, the progress status of insurance accident processing can be easily grasped, so that the processing load on each person involved in insurance processing is reduced and management is facilitated. As a result, by using the insurance processing system of the present invention, the time from the occurrence of an accident until the insurance company obtains approval for insurance payment can be shortened, and the accident processing can be smoothly performed. There is an advantage that complicated and troublesome processing such as accident processing can be made more efficient and faster.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a first embodiment of an insurance processing system according to the present invention.

FIG. 2 is a configuration diagram illustrating a configuration example of an insurance processing server.

FIG. 3 is a diagram showing a list of a database of lease properties.

FIG. 4 is a diagram showing an example of a display screen field of a lease user terminal.

FIG. 5 is a diagram showing an example of an accident content input screen.

FIG. 6 is a diagram illustrating an example of a display screen of a repair company terminal.

FIG. 7 is a diagram illustrating an example of an estimate input screen.

FIG. 8 is a diagram illustrating an example of a display screen of a leasing company terminal.

FIG. 9 is a repair quote approval screen of a leasing company.

FIG. 10 is a diagram showing an example of a display screen of an insurance company terminal.

FIG. 11 is a diagram showing an example of a display screen of an accident content, an estimation result, and a leasing company approval result displayed on an insurance company terminal.

FIG. 12 is a diagram showing an example of an insurance company approval screen.

FIG. 13 is a diagram showing an example of a display screen during a work of checking the progress of the insurance processing.

FIG. 14 is a diagram showing an example of a display screen when an inquiry button is selected on the insurance processing confirmation screen.

FIG. 15 is a flowchart showing a flow of an insurance process.

FIG. 16 is a flowchart showing a process in each stage of the insurance process.

FIG. 17 is a configuration diagram showing a second embodiment of the insurance processing system according to the present invention.

FIG. 18 is a diagram showing a list of lease property information shared in the insurance processing system of the embodiment.

FIG. 19 is a flowchart showing a flow of a normal lease property insurance process.

[Explanation of symbols]

10, 10a: insurance processing server, 11: control unit, 12, 12a: database, 13: storage unit, 15: network interface, 17: information disclosure unit, 20, 20a, 20b: lease computer host computer, 30: lease user Terminal: 40: repair company terminal, 50: lease company terminal, 60: insurance company terminal, 70: network.

Continued on the front page (72) Inventor Kunihiko Horiguchi 2-9-4 Ginza, Chuo-ku, Tokyo Geek Capital Leasing Co., Ltd. (72) Inventor Maki Nagasaka 2-9-4 Ginza, Chuo-ku, Tokyo Geek Capital Leasing Inside the corporation

Claims (30)

[Claims] Claims: 1. An insurance processing server connected to a network and performing insurance processing related to repair of a leased property in which an insurance accident has occurred, storage means for storing information on leased properties provided by a leasing company and a lease user. A first notifying means for receiving an accident report from the lease user and transmitting an accident notification to the information processing equipment of the repair company via the network; and receiving a repair estimate transmitted by the repair company, Second notification means for transmitting a notification prompting approval to the information processing equipment of the leasing company that owns the leased property via the network; receiving the approval notification from the leasing company and processing the information of the insurance company via the network A third notifying means for transmitting a notice urging approval to the device, and information on the leased article stored in the storage means. Description of the accident situation, the insurance processing server with the estimation result, information indicating the approval result of the leasing company authorization result and the insurance company through the network, and information disclosing means for disclosing the parties insurance processing. 2. The insurance processing server according to claim 1, wherein said information disclosure means includes information selection means for selecting and disclosing said information to a person involved in said insurance processing. 3. The insurance processing server according to claim 2, wherein said information selecting means discloses only information relating to a leased property contracted by said lease user to said lease user. 4. The insurance processing server according to claim 2, wherein said information selecting means discloses to said repair company only information relating to a lease property for which said repair company is in charge of repair. 5. The insurance processing server according to claim 2, wherein said information selecting means discloses only information on a leased property owned by said leasing company to said leasing company. 6. The insurance processing server according to claim 2, wherein said information selecting means discloses to said insurance company only information relating to a lease property for which said insurance company has an insurance contract. 7. The insurance processing server according to claim 1, wherein said first notification means transmits said accident notification by e-mail to a mail address of said repair company. 8. The insurance processing server according to claim 1, wherein said second notifying means transmits, by e-mail, a notice urging approval to a mail address of said leasing company. 9. The insurance processing server according to claim 1, wherein said third notifying means transmits a notice urging approval to an e-mail address of said insurance company by e-mail. 10. The insurance processing server according to claim 1, wherein said storage means stores information on leased articles provided by a plurality of leasing companies. 11. The insurance processing server according to claim 1, wherein the storage means periodically receives lease property information from the leasing company and updates the stored lease property information. 12. The insurance processing server according to claim 1, further comprising a lease property management means for associating the lease property information provided by the lease company with the lease property information provided by the lease user. 13. The lease property management means associates a lease company management number assigned to the lease property by the lease company with a lease user management number assigned to the lease property by the lease user. 12. The insurance processing server according to item 12. 14. The information indicating the approval result of the insurance company,
2. The insurance processing server according to claim 1, wherein information on insurance payment is included. 15. A step of storing information on a leased property provided by a leasing company and a leasing user, and transmitting an accident notification to an information processing device of a repair company via a network in response to an accident report from the leasing user. Receiving a repair estimate sent by the repair company, sending a notification requesting approval to the information processing device of the lease company that owns the leased property via the network, and approval from the lease company. Receiving the notification and transmitting a notification for approval to the information processing equipment of the insurance company via the network; and, together with the stored information of the leased property, the accident situation description, the estimation result, the lease company's The approval result and the information indicating the approval result of the insurance company are sent to the insurance processing stakeholders via the network. A computer program for causing a computer to execute the disclosed steps. 16. An insurance processing system including an insurance processing server connected to a network, a lease user information processing apparatus, a repair company information processing apparatus, a leasing company information processing apparatus, and an insurance company information processing apparatus. The processing server is a storage unit that stores lease property information provided by the leasing company and the leasing user. The processing server receives the accident report transmitted from the leasing user information processing device, and sends the information to the repair company information processing device via the network. A first notification means for transmitting an accident notification, and a second notification for receiving a repair quotation transmitted from the repair company, and transmitting a notification prompting approval to the information processing equipment of the lease company owning the leased property via the network. Notification means and an approval notice from the leasing company, and the insurance company information processing machine via the network Third notification means for transmitting a notice for urging approval to the container, information on the lease property stored in the storage means, a description of the accident situation, the contents of the repair quote, the approval result of the leasing company, and the insurance An insurance processing system comprising: an information disclosure unit that discloses information indicating a result of approval of a company to persons involved in insurance processing via the network. 17. The insurance processing system according to claim 16, wherein said information disclosure means includes information selection means for selecting and disclosing said information to a person involved in said insurance processing. 18. The insurance processing system according to claim 17, wherein said information selecting means discloses only information relating to a lease property contracted by said lease user to said lease user. 19. The insurance processing system according to claim 17, wherein said information selecting means discloses to said repair company only information relating to a lease property for which said repair company is in charge of repair. 20. The insurance processing system according to claim 17, wherein said information selecting means discloses only information relating to a lease property owned by said leasing company to said leasing company. 21. The insurance processing system according to claim 17, wherein said information selecting means discloses to said insurance company only information relating to a lease property for which said insurance company has an insurance contract. 22. The insurance processing system according to claim 16, wherein said first notifying means transmits said accident notice by e-mail to a mail address of said repair company. 23. The insurance processing system according to claim 16, wherein said second notifying means transmits a notice urging approval to the mail address of said leasing company by e-mail. 24. The insurance processing system according to claim 16, wherein said third notifying means transmits a notice urging approval to an e-mail address of said insurance company by e-mail. 25. The insurance processing system according to claim 16, wherein said storage means stores information on leased articles provided by a plurality of leasing companies. 26. The insurance processing system according to claim 16, wherein said storage means periodically receives lease property information from said lease company and updates the stored lease property information. 27. The insurance processing system according to claim 16, further comprising a lease property management means for associating the lease property information provided by the lease company with the lease property information provided by the lease user. 28. The lease property management means, comprising: a lease company management number provided to the lease property provided by the lease company; a lease user management number provided to the lease property provided by the lease user. 28. The insurance processing system according to claim 27, wherein 29. The information indicating the approval result of the insurance company,
17. The insurance processing system according to claim 16, wherein information related to insurance payment is included. 30. A processing method of an insurance processing system including an insurance processing server, a lease user information processing device, a repair company information processing device, a lease company information processing device, and an insurance company information processing device connected to a network. Storing the lease property information provided by the leasing company, receiving an accident report transmitted from the lease user information processing device, and transmitting an accident notification to the repair company information processing device via the network. Receiving a repair quotation sent from the repair company, sending a notification prompting approval to the lease company information processing device that owns the leased property via the network, receiving an approval notification from the lease company, Transmitting a notification prompting approval to the insurance company information processing device via the network; Along with the information on the leased property stored in the storage means, the accident situation description, the contents of the repair quotation, the approval result of the leasing company, and the information indicating the approval result of the insurance company are transferred to the insurance via the network. Disclosing to a party involved in the processing.