System for processing insurance benefit agreements and computer readable medium storing a program therefor

• US 20020065687A1
• Filed: 11/30/2000
• Published: 05/30/2002
• Est. Priority Date: 11/30/2000
• Status: Abandoned Application

• Current Assignee: Tsubasa System Co., Ltd.
• Original Assignee: Tsubasa System Co., Ltd.
• Inventors: Onoue, Masashi
• Application Number:
  US09/728,820
• Publication Number:
  US 20020065687A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The present invention relates to a system for processing insurance benefit agreements for providing automobile insurance against loss for damaged cars, consisting of a first computer that is used by a repairer who repairs damaged cars, and a second computer that is connected to the first computer via a communication channel and used by an automobile insurance company, wherein the first computer comprises data inputting means, repair expenses estimation data generating means, first transmitting means for transmitting agreement data to the second computer, and first receiving means for receiving agreement determination data from the second computer, and the second computer comprises second receiving means for receiving the agreement data from the first computer, second storing means, payment standard for repairers determining means, and second transmitting means. In accordance with the present invention, since accident investigation conventionally conducted by an adjuster is unnecessary, costs of an insurance company can be reduced and insurance products with low insurance premiums can be established.

Claims

1. An insurance benefit agreement processing system comprising a first computer for use by a repairer repairing a damaged vehicle and a second computer for use by an automobile insurance company that is connected to said first computer via a communication channel, wherein said first computer comprises:

data inputting means for inputting image data of a damaged vehicle, vehicle type specifying data for specifying a type of the damaged vehicle, damaged part data for specifying damaged parts, and damage degree data for specifying a damaged degree;

repair expenses estimation data generating means for generating repair expenses estimation data based on the image data, the vehicle type specifying data, and the damaged part data inputted by said data inputting means;

first transmitting means for transmitting to said second computer the agreement data consisting of the image data, the vehicle type specifying data, and the damaged part data inputted by said data inputting means, as well as the repair expenses estimation data generated by said repair expenses estimation data generating means; and

first receiving means for receiving from said second computer the agreement determination data indicating whether or not the agreement data transmitted to said second computer by said first transmitting means is appropriate, and

said second computer comprises;

second receiving means for receiving the agreement data from said first computer;

second storing means for storing a payment conditions for repairers database regulating a payment standard for the repairer who uses said first computer;

payment standard for repairers determining means for determining whether or not the agreement data received by said second receiving means is appropriate in light of the payment conditions for repairers database stored in said second storing means; and

second transmitting means for transmitting data indicating results determined by said payment standard for repairers determining means to said first computer.

2. An insurance benefit agreement processing system according to claim 1, wherein said first computer comprises first storing means for storing a payment conditions for insurance company database that regulates a payment standard for each insurance company using said second computer;

payment standard for insurance companies determining means for determining whether or not the repair expenses estimation data meets a payment standard for an insurance company to be another party of communication in light of the payment conditions for insurance companies database stored in said first storing means.

3. An insurance benefit agreement processing system comprising a first computer for use by a repairer repairing a damaged vehicle and a second computer for use by an automobile insurance company that is connected to the first computer via a communication channel, wherein the first computer comprises:

data inputting means for inputting image data of a damaged vehicle, vehicle type specifying data for specifying a type of the damaged vehicle, damaged part data for specifying damaged parts, and damage degree data for specifying a damaged degree;

first repair expenses estimation data generating means for generating first repair expenses estimation data based on the image data, the vehicle type specifying data, and the damaged part data inputted by said data inputting means;

first transmitting means for transmitting to said second computer agreement data consisting of the image data, the vehicle type specifying data, the damaged part data, and the damage degree data inputted by said data inputting means, as well as the first repair expenses estimation data generated by said first repair expenses estimation data generating means;

damage inappropriate data receiving means for receiving, if the damaged part data or the damage degree data inputted by said data inputting means is inappropriate, damage inappropriate data indicating to that effect from the second computer;

repair expenses estimation inappropriate data receiving means for receiving, if the damaged part data and the damage degree data inputted by said data inputting means are appropriate but the first repair expenses estimation data generated by said first repair expenses estimation data generating means is not appropriate, repair expenses estimation inappropriate data indicating to that effect from said second computer;

payment standard inappropriate data receiving means for receiving, if the damaged part data and the damage degree data inputted by said data inputting means as well as the first repair expenses estimation data generated by said first repair expenses estimation data generating means are appropriate, but the first repair expenses estimation data generated by said first repair expenses estimation data generating means does not meet the payment standard for the repairer using said first computer, payment standard inappropriate data indicating to that effect and contents of the payment standard that is not met from said second computer; and

payment standard appropriate data receiving means for receiving, if the damaged part data and the damage degree data inputted by said data inputting means as well as the first repair expenses estimation data generated by said first repair expenses estimation data generating means are appropriate, and the first repair expenses estimation data generated by said first repair expenses estimation data generating means meets the payment standard for the repairer using said first computer, payment standard inappropriate data indicating to that effect from said second computer, and

the second computer comprises;

receiving means for receiving the agreement data from said first computer;

displaying means for displaying images;

display instructing means for causing said display means to display images based on the agreement data received by said receiving means;

second storing means for storing a payment conditions for repairers database regulating a payment standard for the repairer who uses said first computer;

damage determination data inputting means for inputting damage determination data indicating whether or not the damaged part data and the damage degree data in the agreement data received by said receiving means are appropriate;

damage inappropriate data transmitting means for transmitting, if the damage determination data is the data indicating that the damaged part data and the damage degree data in the agreement data received by said receiving means are not appropriate, damage inappropriate data indicating to that effect to said first computer;

second repair expenses estimation data generating means for generating second repair expenses estimation data based on the car type specifying data, the damaged part data and the damage degree data in the agreement data received by said receiving means if the damage determination data is the data indicating that the damaged part data and the damage degree data in the agreement data received by said receiving means are appropriate;

repair expenses estimation data comparing means for comparing the second repair expenses estimation data generated by said second repair expenses estimation data generating means with the first repair expenses estimation data in the agreement data received by said receiving means to determine whether the first repair expenses estimation data is appropriate;

repair expenses estimation inappropriate data transmitting means for transmitting, if the first repair expenses estimation data is determined to be not appropriate by said repair expenses estimation data comparing means, repair expenses estimation inappropriate data notifying to that effect to said first computer;

payment standard for repairers determining means for determining whether or not contents of the first repair expenses estimation data meet the payment standard for the repairer using said first computer in light of the payment conditions for repairers database stored by said second storing means if the first repair expenses estimation data is determined to be appropriate by said repair expenses estimation data comparing means.;

payment standard inappropriate data transmitting means for transmitting, if the contents of first repair expenses estimation data are determined not to meet the payment standard for the repairer using said first computer by said payment standard for repairers determining means, payment standard inappropriate data indicating to that effect and contents of the payment standard that is not met to said first computer; and

payment standard appropriate data transmitting means for transmitting, if the contents of first repair expenses estimation data are determined to meet the payment standard for the repairer using said first computer by said payment standard for repairers determining means, payment standard appropriate data indicating to that effect to said first computer.

4. An insurance benefit agreement processing system according to claim 3, wherein said first computer comprises first storing means for storing a payment conditions for insurance company database that regulates a payment standard for an insurance company using said second computer;

payment standard for insurance companies determining means for determining whether or not the first repair expenses estimation data meets a payment standard for an insurance company to be another party of communication in light of the payment conditions for insurance companies database stored in said first storing means.

5. A computer readable medium storing a program for causing a first computer comprising data inputting means for inputting data, repair expenses estimation data generating means for generating repair expenses estimation data based on the inputted data, first transmitting means for transmitting data, and first receiving means for receiving data to:

input by said inputting means image data of a damaged vehicle, vehicle specifying data for specifying a vehicle type of the damaged vehicle, damaged part data for specifying damaged parts, and damage degree data for specifying a damage degree;

generate the repair expenses estimation data by said repair expenses estimation data generating means based on the image data, the car specifying data and the damaged part data inputted by said inputting means;

transmit to a second computer by said first transmitting means agreement data consisting of the image data inputted by said data inputting means, the vehicle specifying data, the damaged part data, as well as the repair expenses estimation data generated by said repair expenses estimation data generating means; and

receive data from said second computer by said first receiving means, and

for causing said second computer comprising second receiving means for receiving data, second transmitting means for transmitting data, second storing means for storing a payment conditions for repairer database regulating a payment standard of a repairer using said first computer, and payment standard for repairers determining means for determining whether the agreement data is appropriate or not to;

receive the agreement data from said first computer by said second receiving means;

determine by said payment standard for repairer determining means whether or not the agreement data received by said second receiving means is appropriate in light of the payment conditions for repairers database stored in said second storing means; and

transmit data indicating results determined by said payment standard for repairers determining means to said first computer by said second transmitting means.