JP6063898B2 - Insurance product presentation server and insurance product presentation program - Google Patents

Description

The present invention relates to insurance products presentation server及 beauty insurance products presentation program.

  Insurance applicants who want to join insurance products such as life insurance and medical insurance are looking for insurance products they desire by browsing pamphlets and Internet sites of each insurance company. For those who wish to join the insurance, this act is labor intensive. Under such circumstances, in recent years, many Internet sites introducing insurance products have been constructed. For example, there is an Internet site (hereinafter also referred to as an “introduction site”) that presents insurance products that match conditions and an estimated amount of insurance by inputting personal information such as age and gender (for example, patent documents). 1 and Non-Patent Document 1).

Japanese Patent Laid-Open No. 2002-259706

“Hoke Mall”, [online], Sally Joyce Japan, [searched April 17, 2013], Internet <URL: http://www.hokenmall.jp/>

  However, as a result of detailed examination of the insurance content presented on the introduction site, the insurance product may not be subscribed. In addition, the insurance company presented on the introduction site may not be accepted by the insurance company even if the application procedure is actually performed via the Internet. In such a case, the work input to receive the presentation of the insurance product and the work input to apply for the insurance product are wasted, and a new input operation is required when searching for a new insurance product. This is a great effort for those who wish to take out insurance, which causes a decline in their willingness to take out insurance.

It is therefore an object of the present invention is to provide Upon insurance seekers look for the desired insurance products, insurance products presentation server及 beauty insurance products presentation program that it is possible to achieve a reduction of effort.

  An insurance product presentation server according to an aspect of the present invention identifies a user transmitted from a client terminal in the insurance product presentation server that presents insurance products to a client terminal configured to be accessible via a network. User information acquisition unit for acquiring user identification information and user attribute information which is a user attribute, and user information in which user attribute information is associated with the user identification information acquired by the user information acquisition unit in the user information storage unit A user information storage unit to be stored; an authentication unit that determines whether or not the access from the client terminal is an access from a regular user based on one user identification information and one user authentication information transmitted from the client terminal; A client terminal that is determined to be an access from an authorized user by the authentication unit When the extraction request information as the insurance product extraction condition is received, insurance content information indicating the content of the insurance product for each attribute of the insurance applicant is associated with the insurance product identification information for identifying the insurance product. The insurance product storage unit in which the insurance product information is stored is accessed, the insurance product identification information that matches the desired extraction information is extracted, and the insurance product information associated with the insurance product identification information extracted by the extraction unit. The insurance content information (insurance product price) that matches the user attribute information associated with the user identification information that has been authenticated as the authorized user by the authentication unit in the user information is read and extracted from the insurance content information for each attribute. A presentation unit for presenting the insurance content information read together with the insurance product identification information to the client terminal via the network; Obtain.

  An insurance product presentation program according to an aspect of the present invention identifies a user transmitted from a client terminal to an insurance product presentation server that presents insurance products to a client terminal configured to be accessible via a network. User information acquisition function for acquiring user identification information and user attribute information that is a user attribute, and user information in which user attribute information is associated with the user identification information acquired in the user information acquisition function in the user information storage unit A user information storage function to be stored, an authentication function for determining whether or not an access from a client terminal is an access from a regular user, based on one user identification information and one user authentication information transmitted from the client terminal; In the authentication function, it is determined that the access is from a legitimate user. Upon receiving the extraction request information as the insurance product extraction condition from the ant terminal, the insurance content information indicating the content of the insurance product for each attribute of the insurance applicant is associated with the insurance product identification information for identifying the insurance product. The insurance product storage unit storing the stored insurance product information and extracting the insurance product identification information that matches the extraction desired information, and the insurance product identification information extracted by the extraction function in the insurance product information Insurance content information that matches the user attribute information associated with the user identification information that has been authenticated as a regular user by the authentication function in the user information, and extracted from the insurance content information for each attribute A presentation function for presenting insurance content information read together with identification information to a client terminal via a network; To realize, insurance products presentation program.

According to the insurance product presentation server及 beauty insurance products presentation program, insurance products presentation server remembers the user information in the user information storage unit, by authenticating a user to access from the client terminal, Using the user information related to the authenticated user, it is possible to extract and present insurance products according to the user attribute information. As a result, the insurance product presentation server can extract and present insurance products without obtaining user attributes from the client terminal each time insurance product presentation is required. In other words, in the client terminal, when the user identification information and the user authentication information are entered and the user is authenticated, the insurance product is presented only by inputting the insurance product extraction request information. Can do. That is, it is not necessary to input user attributes each time an insurance product is requested to be presented. As a result, labor can be reduced when searching for insurance products desired by the insurance applicant.

  In one embodiment, a user information acquisition part further acquires information about a user's health condition, and a user information storage part further associates information about a health condition with user identification information, and stores it in a user information storage part. The insurance product information storage unit further stores, in association with the insurance product identification information, availability determination information indicating acceptance / rejection for each information related to the health status of the applicant for insurance, and the insurance product identification in the insurance product information By the insurance product identification information extracted by the extraction unit based on the availability determination information associated with the information and the information on the user's health state associated with the one user identification information authenticated by the authentication unit in the user information It further includes a determination unit that determines whether or not the insurance product to be identified is accepted, and the presentation unit adds the extracted insurance product identification information to the insurance product identification information. May be further presented a determination result of the determined underwriting propriety at decision put communicating.

  According to such an insurance product presentation server, the insurance terminal is presented according to the user's desired extraction information, and information related to acceptability of the presented insurance product is provided to the client terminal based on the information related to the user's health condition. Is done. Accordingly, it is possible to reduce the occurrence of an event in which underwriting is not permitted when an application is made for the insurance product presented by the insurance product presentation server. As a result, it is possible to eliminate the trouble of user application for insurance products that are not accepted.

  In one embodiment, the insurance company management server that is configured to be accessible via the network and stores information related to the insurance product is accessed periodically or when the client terminal requests presentation of the insurance product. An insurance product information update unit that acquires information on insurance products and updates insurance product information stored in the insurance product information storage unit based on the acquired information on insurance products may be further provided.

  According to such an insurance product presentation server, the latest or relatively new information can be provided when the insurance product is presented to the client terminal.

  Further, in one embodiment, the insurance product information stored in the insurance product information storage unit includes, for one insurance product identification information, first security content information that is security content information as a main contract, and a special contract. And the second security content information, which is information on the security content, and the client terminal determined to be an access from a legitimate user by the authentication unit, the main contract and the special agreement as the extraction desired information And an extraction request information input unit that provides an interface capable of inputting two or more guarantee details, and when the extraction unit receives two or more guarantee details via the interface, The insurance product identification information in which the combination of the two security details information matches the combination of the two or more security details may be extracted from the insurance product information storage unit.

  The insurance product is composed of a security content as a main contract as a basis of the insurance contract and a security content as a special contract added to the main contract. The special contract in the insurance product is a contract that additionally adds the security content as the main contract, and it is not possible to contract only the security content as the special contract. Conventionally, based on the characteristics of such insurance products, the sales of insurance products have been carried out in such a way as to determine the security content as the main contract first and then add the security content as a special contract. It was. For example, an insurance product A that can make a special contract with the security content B1 in the main contract with the security content A1, and an insurance product B that can make the special contract with the security content B1 in the main contract with the security content A1; There is an insurance product C that can make a special contract for the security content A1 in the main contract with the security content B1, and an insurance product D that can make the special contract for the security content A1 in the main contract with the security content B1. Suppose that Even if all insurance products A to D have the same security content, in the sales method in which the main contract is decided first, the insurance applicant will be given a combination of insurance products A and B or insurance products. Only the combination of C and insurance product D will be presented. This diminishes the range of insurance product selections for insurance applicants in today's diversified insurance products.

  In this regard, in the insurance product presentation server according to the embodiment, when the extraction unit receives two or more security contents as the extraction request information without distinguishing between the main contract and the special contract, the “first information on the security contents as the main contract” is received. The insurance product identification information in which the combination of the security content stored as “security content information” and “second security content information which is the security content information as a special agreement” matches the above two or more security content combinations is the insurance product. Extract from the information storage unit. More specifically, in the above example, for example, when “A1 guarantee contents” and “B1 guarantee contents” are received as the extraction request information without distinguishing between the main contract and the special contract, the extraction unit reads “the guarantee as the main contract”. The combination of the security content stored as “first security content information that is information of content” and the security content stored as “second security content information that is information of the security content as a special contract” is “A1 The insurance product identification information that matches the “security content” and “B1 security content” is extracted. As a result, “the insurance products A and B that can make a special contract of the security content B1 to the main contract of the security content A1” and “the security content A1 can be made to the main contract of the security content of the B1”. Each product identification information of the insurance products C and D is presented to the insurance applicant.

  In one embodiment, the insurance product information stored in the insurance product information storage unit includes insurance for a plurality of predetermined subscription periods from each age within a predetermined range for one insurance product identification information. And the presenting unit pays the insurance product identified by the insurance product identification information for a predetermined period based on the insurance product price associated with the insurance product identification information extracted by the extraction unit. The total amount of insurance products at the time of continuing is calculated as insurance costs, and the amount of insurance products to be paid after a specified number of years is extracted as the insurance premiums to be paid, and the insurance costs and insurance premiums paid are presented to the client terminal via the network. May be.

  Even if the insurance product is the same insurance product, the insurance product amount may differ depending on the age of participation, and the insurance product amount may differ depending on the subscription period. Furthermore, even if the insurance product is the same, a plurality of rate plans may be prepared, or there may be an insurance product to which a continuous discount insurance product amount is applied when the contract is renewed when the subscription period expires. In this regard, in the insurance product presentation server of one embodiment, the presentation unit calculates the sum of the insurance product amount when the insurance product identified by the insurance product identification information continues to be paid for a predetermined period as the insurance expense, The insurance product amount to be paid after the number of years is extracted as the insurance premium to be paid, and the insurance cost and the insurance premium to be paid are presented to the client terminal via the network. For example, the presenting unit pays the amount of the insurance product for 30 years (insurance costs), the premium paid after the 11th year (planned premium), and the premium paid after the 21st year (planned insurance) Charge) and the list. In today's diversified insurance products, it is impossible to prepare a list of these charges in advance, and thus such information cannot be provided by conventional face-to-face sales. In addition, even if there is a database of insurance product information, if there is no mechanism that can use the attributes such as gender and date of birth of the insurance applicant in advance, it is necessary to present the above list to the insurance applicant. It will require input of information, which is troublesome for those who wish to take out insurance. In the insurance product presentation server of one embodiment, it is possible to display a list of insurance costs when paying for a predetermined period and scheduled payment premiums to be paid after a predetermined number of years without requiring the user to input. The insurance applicant can select a payment method for insurance products in accordance with the life plan.

  According to the present invention, labor can be reduced when searching for an insurance product desired by an insurance applicant.

It is a block diagram which shows the structure of the insurance product presentation system which concerns on one Embodiment. It is a block diagram which shows the structure of an insurance product presentation server. It is a figure which shows the hardware constitutions of an insurance product presentation server and a client terminal. It is a figure which shows the table structure of the user information which a user information storage part memorize | stores. It is a figure which shows the table structure of the product content information which an insurance product information storage part memorize | stores. It is a block diagram which shows the structure of a terminal client. It is a figure which shows an example of a user information input screen. It is a figure which shows an example of the questionnaire input screen regarding a health condition. It is a figure which shows an example of a user authentication screen. It is a figure which shows an example of an extraction condition input screen. It is a figure which shows an example of an estimation result screen. It is a figure which shows an example of an estimation result screen. It is the flowchart which showed the insurance product presentation process in an insurance product presentation system. It is a block diagram which shows the structure of the insurance product presentation system which concerns on 2nd Embodiment. It is a block diagram which shows the structure of the insurance product presentation server which concerns on 2nd Embodiment. It is a block diagram which shows the structure of the insurance product presentation server which concerns on 3rd and 4th embodiment. It is a figure which shows the table structure of the product content information which an insurance product information storage part memorize | stores. It is a figure which shows an example of an extraction condition input screen. It is a figure which shows an example of an extraction condition input screen. It is a figure which shows an example of an estimation result screen. It is a figure which shows an example of an estimation result screen. It is a figure which expands and shows a part of estimation result screen.

  Hereinafter, an embodiment will be described with reference to the drawings. In the description of the drawings, the same elements are denoted by the same reference numerals, and redundant description is omitted.

<First Embodiment>
FIG. 1 is a block diagram showing a configuration of an insurance product presentation system 1 according to the first embodiment. The insurance product presentation system 1 is a system that presents, to the client terminal 30, insurance products corresponding to extraction desired conditions and corresponding insurance amounts as a collective estimate. As shown in FIG. 1, the insurance product presentation system 1 includes an insurance product presentation server 10 and a client terminal 30, and is configured to be accessible to each other via a network 3. Examples of the network include an Internet line, a private line, a VPN (Virtual Private Network) line, and the like. Further, it may be wired or wireless.

  First, the insurance product presentation server 10 will be described. FIG. 2 is a block diagram showing the configuration of the insurance product presentation server 10. The insurance product presentation server 10 is a server device that presents insurance products in response to a request from the client terminal 30 (30a, 30b,...). The insurance product presentation server 10 includes a user information acquisition unit 11, a user information storage unit 13, a user information storage unit 13a, an insurance product information storage unit 15, an authentication unit 17, an extraction unit 19, and a presentation unit 21. And a determination unit 23.

  FIG. 3 is a hardware configuration diagram of the insurance product presentation server 10. As shown in FIG. 3, the insurance product presentation server 10 physically includes a CPU (Central Processing Unit) 41, a RAM (Random Access Memory), a main storage unit 42 such as a ROM (Read Only Memory), a hard disk, and a flash memory. The computer system includes an auxiliary storage unit 43, an input unit 44 such as a keyboard and a mouse, and an output unit 45 such as a display screen.

  The functions of the user information acquisition unit 11, the user information storage unit 13, the authentication unit 17, the extraction unit 19, the presentation unit 21, and the determination unit 23 described in detail later are the CPU 41, the main storage unit 42, and the like shown in FIG. This is executed under the control of the CPU 41 by loading predetermined computer software on the hardware. Again, with reference to FIG. 2, the insurance product presentation server 10 will be described in detail.

  The user information acquisition unit 11 receives the user name as user identification information for identifying the user, the password as user authentication information for authenticating the user, the gender and age as the user attribute from the client terminal 30 via the network 3. And address information of the user and information regarding the presence or absence of onset for each of cancer, acute myocardial infarction, and stroke as information regarding the health status. User name as user identification information, gender and age as user attribute, password as user authentication information to authenticate user, and cancer, acute myocardial infarction, and stroke as information on health status The information on presence / absence is an example. For example, the user name is a user ID, and the past medical history is information on the health status. The user information acquisition unit 11 may acquire other information related to the user instead of the items listed above, or may acquire other information related to the user in addition to the items listed above.

  The user information storage unit 13 includes a user name, a password, a user's attributes such as sex and age, user address information, cancer, acute myocardial infarction, and stroke acquired by the user information acquisition unit 11. Information about the presence or absence of onset for each is stored in the user information storage unit 13a as user information T1.

  The user information storage unit 13a acquires the user name, password, gender and age, which are user attributes, user address information, cancer, acute myocardial infarction, and stroke, acquired by the user information acquisition unit 11. Information regarding the presence or absence of onset for each is stored as user information T1.

  FIG. 4 is a diagram showing a table configuration of user information T1 stored in the user information storage unit 13a. The user information storage unit 13a has, for the user name, a password, gender and age as user attributes, user address information, and information regarding the presence or absence of onset for each of cancer, acute myocardial infarction, and stroke, Are stored in association with each other. In the user information T1 shown in FIG. 4, “1” in the gender column is a code indicating male, and “2” is a code indicating female. In the information on the health condition, “0” is a code indicating no onset, and “1” is a code indicating presence of onset.

  The table configuration of the user information T1 stored in the user information storage unit 13a is an example. For example, the user information storage unit 13a includes a table in which a password is associated with a user name, a table in which gender and age, which are user attributes, are associated with the user name, and the user address information is associated with the user name. You may memorize | store the table with which the information regarding the presence or absence of onset was each linked | related with respect to each of the associated table and user name, cancer, acute myocardial infarction, and stroke. The user information storage unit 13a may store other information about the user in place of the items listed above, or may store other information about the user in addition to the items listed above.

  The insurance product information storage unit 15 is an insurance product name as insurance product identification information for identifying an insurance product, an insurance company name, an insurance type, an insurance period, and details of insurance, and details of insurance Insurance product amount (insurance content information) for each attribute of the applicant and availability determination information indicating acceptance / rejection for each information regarding the health condition are stored as insurance product information T3. Examples of insurance types include information such as medical insurance and life insurance. Examples of the insurance period include information such as life and period. The insurance product information storage unit 15 may store other information related to insurance products.

  FIG. 5 is a diagram showing a table configuration of the insurance product information T3 stored in the insurance product information storage unit 15. The insurance product information storage unit 15 provides information on the insurance product name, the insurance company name, the insurance type, the insurance period, the security content, the insurance product price for each attribute of the insurance applicant, and the health status. Each piece of information is stored in association with availability determination information indicating acceptance / rejection. In the insurance product information T3 shown in FIG. 5, “1” in the underwriting determination information column is a code indicating underwriting, and “0” is a code indicating underwriting impossible.

  The table configuration of the insurance product information T3 stored in the insurance product information storage unit 15 is also an example, similar to the user information storage unit 13a. Therefore, the insurance company name, the type of insurance, the insurance period, the security content, the insurance product amount, and the acceptance / rejection determination information may be associated with the insurance product name. The insurance product information storage unit 15 may store other information related to insurance products in place of the items listed above, and may store other information related to insurance products in addition to the items listed above. Also good.

  The authentication unit 17 is based on one user identification information and one user authentication information sent from the client terminal 30 via the network 3, and the user information T1 stored in the user information storage unit 13a. It is determined whether the access from 30 is an access from a regular user. When a combination of one user identification information and one user authentication information is stored in the user information storage unit 13a, the authentication unit 17 determines that the access is from a regular user. In this case, the authentication unit 17 recognizes the access from the client terminal 30 as the access from the one user identification information input by the authorized user, and permits the login to the insurance product presentation server 10.

  When the extraction unit 19 receives the extraction request information as the insurance product extraction condition from the client terminal 30 determined by the authentication unit 17 to be an access from the authorized user, the insurance product stored in the insurance product information storage unit 15 The product information T3 is searched to extract an insurance product having an insurance product name that matches the desired extraction information. For example, when the extraction unit 19 receives “information that the insurance period is lifetime” as the extraction request information, the insurance product name (the products A, B, and D in FIG. 5) with the lifetime of the insurance period from the insurance product information T3. Extract insurance products.

  The presentation unit 21 selects one of the insurance product amounts for each attribute associated with the insurance product with the insurance product name extracted by the extraction unit 19 in the insurance product information T3, which is input by the authorized user in the user information T1. The insurance product amount corresponding to the user attribute information associated with the user identification information is read, and the insurance product amount is presented to the client terminal 30 via the network 3 together with the extracted insurance product name.

  For example, when the login is permitted with the user name A (see FIG. 4), the user name A is selected from the insurance product amounts for each attribute associated with the insurance product name extracted by the extraction unit 19. The insurance product amount corresponding to the gender and age (male: 30 years old) is read, and the read insurance product amount is presented to the client terminal 30 together with the extracted insurance product name (see FIG. 11). The presentation unit 21 of the first embodiment presents the insurance company name and the insurance content associated with the insurance product name in the insurance product information T3 to the client terminal 30 via the network 3 in addition to the insurance product name and the insurance product price. . If there is information associated with each attribute other than the insurance product amount in the insurance product information T3, the information can be presented in the same manner.

  In addition, the insurance product presentation server 10 may have a determination unit 23. The determination unit 23 determines whether the insurance product information T3 is associated with the insurance product name and the user health status associated with the user identification information input by the authorized user in the user information T1. Whether or not the insurance product identified by the insurance product name extracted by the extraction unit 19 can be accepted is determined based on the information on the information.

  According to the determination unit 23, for example, a user (user C in FIG. 4) associated with “1” as information (cancer) related to the health state of the user information T1 is the determination information on whether or not the insurance product information T3 is acceptable. It is determined that the insurance product (product B to D in FIG. 5) associated with “0” as (cancer) cannot be accepted.

  When the determination unit 23 determines acceptability, the presentation unit 21 also presents information related to acceptability to the insurance product identified by the insurance product name extracted by the extraction unit 19 (see FIG. 12). ).

  Next, the client terminal 30 will be described. FIG. 6 is a block diagram illustrating a configuration of the client terminal 30. The client terminals 30 (30a, 30b,...) Are terminal devices that request the insurance product presentation server 10 to present insurance products. Examples of the client terminal 30 include a stationary terminal, a portable terminal, a tablet terminal, and a PDA (Personal Digital Assistant). The client terminal 30 includes a user information reception unit 31, an authentication information reception unit 33, an extraction request information reception unit 35, and an estimation result output unit 37.

  FIG. 3 is a hardware configuration diagram of the client terminal 30. As shown in FIG. 3, the client terminal 30 physically includes a CPU (Central Processing Unit) 41, a RAM (Random Access Memory), a main storage unit 42 such as a ROM (Read Only Memory), a hard disk, a flash memory, and the like. The computer system includes an auxiliary storage unit 43, an input unit 44 such as a keyboard and a mouse, and an output unit 45 such as a display screen.

  Each function in the user information receiving unit 31, the authentication information receiving unit 33, the extraction request information receiving unit 35, and the estimation result output unit 37, which will be described in detail later, will be shown in FIG. The CPU 41 is executed under the control of the CPU 41 by loading predetermined computer software on the hardware such as the CPU 41 and the main storage unit 42 shown in the figure. Again, the client terminal 30 will be described in detail with reference to FIG.

  The user information reception unit 31 receives user registration and user information change. The user information reception unit 31 includes a user name as user identification information for identifying a user, a password as user authentication information for authenticating the user, user address information, gender and date of birth as user attributes (age) ) And the received information is transmitted to the insurance product presentation server 10. For example, the user information receiving unit 31 displays a user information input screen 51 as shown in FIG. 7 on the display monitor of the client terminal 30 to enable input from the user.

  The user information reception unit 31 further receives information regarding the presence or absence of onset for each of cancer, acute myocardial infarction, and stroke as information regarding the user's health condition, and transmits the received information to the insurance product presentation server 10. For example, the user information receiving unit 31 displays a questionnaire input screen 53 relating to the health condition as shown in FIG. 8 on the display monitor of the client terminal 30, thereby enabling input from the user. The questionnaire input screen 53 regarding the health condition shown in FIG. 8 can answer the questionnaire regarding the health condition by inputting into the corresponding check box arranged on the left side with the letters “cancer”, “acute myocardial infarction”, and “stroke”. .

  The authentication information receiving unit 33 receives the input of the user name and password, and transmits the received information to the insurance product presentation server 10. For example, the authentication information receiving unit 33 displays a user authentication screen 55 as shown in FIG. 9 on the display monitor of the client terminal 30 to enable input from the user. The user authentication screen 55 may be displayed as a so-called pop-up screen.

  The extraction request information receiving unit 35 receives input of extraction request information as an insurance product extraction condition, and outputs it to the insurance product presentation server 10. For example, the extraction request information receiving unit 35 displays an extraction condition input screen 57 as shown in FIG. 10 on the display monitor of the client terminal 30 to allow input from the user.

  The estimation result output unit 37 acquires information on the insurance product name, the insurance company name, the insurance product amount, and the security content presented from the insurance product presentation server 10 and outputs the information as estimation information. The estimation result output unit 37 shows information on the name of the insurance product, the name of the insurance company, the amount of insurance product, and the details of the security sent via the network 3, for example, on a display monitor of the client terminal 30 as shown in FIG. By displaying such an estimate result screen 61, it is possible to present insurance products to the user.

  As shown in FIG. 11, a button 57a for accessing an application site of an insurance company server (see FIG. 15) corresponding to the insurance product presented by the insurance product presentation server 10 may be provided. The estimate information may be output not only to the display monitor but also to an output unit such as a printer, or may be configured to transmit the estimate information as data to a predetermined terminal.

  In addition, when information regarding whether or not insurance products are accepted is transmitted from the insurance product presentation server 10 to the client terminal 30, information regarding whether or not insurance products are accepted may be displayed in the estimated information. For example, the estimate result output unit 37 displays the estimate result screen 63 as shown in FIG. 12 on the display monitor of the client terminal 30, thereby presenting the insurance product to which information related to whether or not the insurance product is accepted is added to the user. Is possible.

  Next, in the insurance product presentation system 1, the operation when the insurance product presentation server 10 requested to present the insurance product from the client terminal 30 presents the insurance product to the client terminal 30 mainly uses FIG. 13. I will explain. FIG. 13 is a flowchart showing insurance product presentation processing in the insurance product presentation system 1.

  First, a user A who desires to receive an insurance product presentation (for example, a user A having the attributes shown in FIG. 4) receives a user name, password, user address information, gender and date of birth from the client terminal 30, and Enter information about your health. For example, the user inputs the information from a user information input screen 51 as shown in FIG. 7 displayed on the display screen of the client terminal 30. The user information receiving unit 31 transmits the information received on the user information input screen 51 to the insurance product presentation server 10 via the network 3 (step S1).

  The insurance product presentation server 10 registers the user name, password, user address information, gender and date of birth, and information on the health status transmitted from the client terminal 30 as user information. Specifically, the user information acquisition unit 11 acquires the information transmitted via the network 3, and the user information storage unit 13 stores it as user information in the user information storage unit 13a (step S2).

  Note that the processing of step S1 and step S2 may be performed in advance, not at the same time as requesting the insurance product presentation server 10 to present insurance products.

  Next, the user A who wishes to receive the insurance product inputs the user name and password from the client terminal 30. For example, the user A inputs a user name and password from a user information input screen 51 as shown in FIG. 9 displayed on the display screen of the client terminal 30. The authentication information receiving unit 33 transmits the user name and password received on the user authentication screen 55 to the insurance product presentation server 10 via the network 3 (step S3).

  The insurance product presentation server 10 determines whether or not it is possible to log in to the insurance product presentation server 10 based on the user name and password transmitted from the client terminal 30. Specifically, the authentication unit 17 determines whether or not the combination of the user name and password transmitted via the network 3 is stored in the user information storage unit 13a. Here, when it is confirmed that the combination of the user name and the password is stored in the user information storage unit 13a, the authentication unit 17 determines that the access from the client terminal 30 is an access from a regular user (step S4). ). In the following description, it is determined that the access is from the authorized user A (the user A can log in to the insurance product presentation server 10).

  Next, the user A inputs extraction request information from the client terminal 30. For example, the user A inputs the above-described information from the extraction condition input screen 57 as shown in FIG. 10 displayed on the display screen of the client terminal 30. The extraction request information receiving unit 35 transmits the information received on the extraction condition input screen 57 to the insurance product presentation server 10 via the network 3 (step S5).

  The insurance product presentation server 10 extracts insurance products based on the extraction request information transmitted from the client terminal 30. Specifically, when the extraction unit 19 receives the extraction request information transmitted via the network 3, the insurance that matches the extraction request information from the insurance product information T 3 stored in the insurance product information storage unit 15. A product name is extracted (step S6).

  Next, the insurance product presentation server 10 determines whether or not it is possible to determine whether or not the insurance product with the insurance product name extracted in step S6 can be accepted (step S7). For example, when both of the following conditions A and B are satisfied, it is determined that it is possible to determine whether the insurance product is accepted (step S7: YES). It is determined that it is impossible to determine whether the insurance product is accepted or not (step S7: NO).

Condition A: Information on the health status of the user who has permitted login is stored in the user information T1. Condition B: Insurance product name acceptance acceptance determination information extracted in step S6 is stored in the insurance product information T3. Is

  When it is determined by the determination unit 23 that determination of acceptance / rejection is impossible (step S7: NO), the insurance product presentation server 10 reads the insurance product name extracted in step S6 and the user A who is permitted to log in. The amount of insurance product corresponding to the gender and age is transmitted to the client terminal 30 (step S8). As shown in FIG. 5, the insurance product amount is the insurance product amount (2000 yen) corresponding to the sex and age (male: 30 years old) of the user A.

  Next, the client terminal 30 acquires the insurance product name and the insurance product amount transmitted from the insurance product presentation server 10 and outputs them as estimated information. For example, the estimation result output unit 37 acquires the insurance product name and the insurance product amount transmitted from the insurance product presentation server 10 and displays the estimation result screen 61 as shown in FIG. The product and its estimated amount are presented (step S9).

  If it is determined by the determination unit 23 that the acceptance / rejection can be determined (step S7: YES), the insurance product presentation server 10 determines whether the insurance product name extracted in step S6 is accepted by the insurance product. To do. Specifically, the determination unit 23 determines whether the insurance product name is associated with the insurance product name in the insurance product information T3, and information on the user's health state associated with the user A in the user information T1. Based on the above, it is determined whether or not the insurance product name extracted in step S6 is accepted by the insurance product (step S10).

  For example, in the insurance product information T3 in FIG. 5, the product B indicates that the insurance applicant cannot underwrite when he / she has developed cancer, acute myocardial infarction, or stroke. Yes. The determination unit 23 determines whether or not the product B is accepted on the basis of the insurance product information T3 and information on the presence or absence of occurrence of each of the cancer, acute myocardial infarction, and stroke of the user A stored in the user information T1. judge. Here, in the user information in FIG. 4, since user A indicates that none of cancer, acute myocardial infarction, and stroke has occurred, the determination unit 23 determines that the insurance product of product B is the user It is determined that A can be accepted.

  Next, the insurance product presentation server 10 obtains the insurance product name extracted in step S6, the insurance product price corresponding to the gender and age of the user A who is permitted to log in, and the insurance product name extracted in step S6. Information regarding acceptance / rejection of the insurance product is transmitted to the client terminal 30 (step S9).

  Next, the client terminal 30 acquires information on the name of the insurance product, the amount of insurance product, and the acceptance / rejection transmitted from the insurance product presentation server 10 and outputs the information as estimate information. For example, the estimation result output unit 37 acquires information on the name of the insurance product, the amount of insurance product, and the acceptance / non-acceptance transmitted from the insurance product presentation server 10 as “underwriting possible” or “underwriting impossible” in FIG. An estimate result screen 61 as shown is displayed. Thereby, the user A is presented with the insurance product, the estimated amount thereof, and information related to acceptability of the insurance product (step S12).

  According to the insurance product presentation server 10 and the insurance product presentation method of the first embodiment, since the insurance product presentation server 10 stores user information in the user information storage unit 13a, the user accessing from the client terminal 30 is authenticated. By doing this, it is possible to extract and present insurance products according to the user's attribute information using the user information related to the authenticated user. Thereby, the insurance product presentation server 10 can extract and present the insurance product without obtaining information on the gender and age of the user from the client terminal 30 every time the insurance product presentation is required. That is, when the client terminal 30 is authenticated as a legitimate user by inputting a user name and a password, the insurance product can be presented only by inputting the insurance product extraction request information. That is, it is not necessary to input the gender and age of the user every time the insurance product is requested to be presented. As a result, labor can be reduced when searching for insurance products desired by the insurance applicant.

  In addition, according to the insurance product presentation server 10 and the insurance product presentation method of the first embodiment, along with the presentation of the insurance product according to the user's extraction desired information, presence or absence of onset for each of cancer, acute myocardial infarction, and stroke Based on the information on the information, the client terminal 30 is provided with information on whether or not the presented insurance product is accepted. Thereby, it is possible to reduce the occurrence of an event in which underwriting is not permitted when an application is made for the insurance product presented by the insurance product presentation server 10. As a result, it is possible to eliminate the trouble of user application for insurance products that are not accepted.

Second Embodiment
Next, the insurance product presentation system 101 of the second embodiment will be described. The insurance product presentation system 101 is different from the insurance product presentation system 1 of the first embodiment as shown in FIG. 14, as shown in FIG. 14, the insurance product presentation server 10 and the insurance company management server 70 managed by the insurance company via the network 3. (70a, 70b) are configured to be accessible to each other, and the insurance product information update unit 25 is provided as shown in FIG. Since the other configuration is the same as that of the insurance product presentation server 10, the description thereof will be omitted, and the insurance company management server 70 and the insurance product information update unit 25 will be described in detail below.

  The insurance company management server 70 managed by the insurance company shown in FIG. 14 stores information related to insurance products of each insurance company. The insurance product information update unit 25 illustrated in FIG. 15 accesses the insurance company management server 70 via the network 3 to acquire information on the insurance products stored in the insurance company management server 70, and the insurance product information storage unit 15. The insurance product information stored in the item is updated. The timing of access from the insurance product information update unit 25 to the insurance company management server 70 may be regular or may be the timing when the client terminal 30 is requested to present insurance products. According to such an insurance product presentation server 10, the latest or relatively new information can be provided when presenting insurance products to the client terminal 30.

<Third Embodiment>
Next, the insurance product presentation system 201 of the third embodiment will be described. The insurance product presentation system 201 is different from the insurance product presentation system 1 of the first embodiment in that the insurance product presentation server 210 does not have the insurance product presentation system 1 as shown in FIG. 17, as shown in FIG. 17, the insurance product information storage unit 215 having different insurance product information T 203 to be stored, and the extraction unit 219 having a different insurance product extraction method. Since the other configuration is the same as that of the insurance product presentation server 10, description thereof is omitted here, and the extraction request information input unit 211, insurance product information T 203, and extraction unit 219 are mainly shown in FIGS. 16 to 20. Reference will be made in detail below.

  The insurance product information storage unit 215 shown in FIG. 16 includes the security content as the special contract 1, the security content as the special contract 2, and the security as the special contract 3 in addition to the content stored in the insurance product information storage unit 15 (insurance product information T3). The contents are stored as insurance product information T203. The insurance product information storage unit 215 may store other information related to insurance products.

  FIG. 17 is a diagram showing a table configuration of insurance product information T203 stored in the insurance product information storage unit 215. The insurance product information storage unit 215 includes, for the insurance product name, the name of the insurance company, the security content of the main contract (insurance type), the security content of the special contract 1, the security content of the special contract 2, the security content of the special contract 3, the insurance period, The security contents, the amount of insurance product for each attribute of the applicant for insurance, and the possibility determination information indicating acceptance / rejection for each information regarding the health status are stored in association with each other. The table configuration of the insurance product information T203 stored in the insurance product information storage unit 215 is also an example as in the above embodiment.

  The extraction request information input unit 211 illustrated in FIG. 16 provides two or more security contents as the extraction request information to the client terminal 30 determined by the authentication unit 17 as being an access from an authorized user, without distinguishing between the main contract and the special contract. This is the part that provides an interface that can be entered. Specifically, the extraction desire information input unit 211 first displays an interface 261 on the client terminal 30 for selecting the security content that the insurance applicant wants most, as shown in FIG. Let Next, as shown in FIG. 18 (B), the client terminal 30 displays an interface 263 for selecting insurance contents that the insurance applicant desires to further combine.

  The extraction request information input unit 211 may cause the client terminal 30 to display an interface that displays both the contents shown in FIGS. 18A and 18B on one screen. In this case, the extraction desire information input unit 211 may prevent the content selected as the most necessary security content from being selected as the security content to be further combined. In addition, the extraction request information input unit 211 does not display the insurance content to the insurance applicant as “the security content you think you need most” and “the security content you want to combine” Please select the security details to be selected (multiple selections allowed) ". In other words, the extraction request information input unit 211 may display the insurance requester so as not to be conscious of the main contract and the special contract when the security content is selected. In either case, by the time the contract is completed, a screen clearly showing the contents of the guarantee as the main contract and the special contract will be displayed to the insurance applicant.

  When the extraction unit 219 receives two or more guarantee contents (in the present embodiment, the guarantee contents that are considered to be most necessary and the guarantee contents that are further desired to be combined) via the interfaces 261 and 263, the contents of the main contract guarantee (first guarantee) Insurance product information storage unit for an insurance product (insurance product identification information) in which the combination of the content information) and the special contract 1 security content to the special contract 3 security content (second security content information) matches the above two or more security content combinations This is a part extracted from 215. There is one characteristic process in the insurance product presentation system 201 of the present embodiment. This point will be specifically described.

  For example, the applicant for insurance purchase selects “Cancer Security” via the interface 261 shown in FIG. 18A, and selects “Inpatient Security” via the interface 263 shown in FIG. 18B. Suppose that When the extraction unit 219 receives the information input via the interfaces 261 and 263 as the extraction request information, the extraction unit 219 obtains “G” as a combination of the main contract security content and the special contract 1 security content to the special contract 3 security content from the insurance product information T203. Select insurance products that have both “security” and “hospital security”. Specifically, product A-1, product B-2, product C-1, product C-2, and product D-1 are extracted (see FIG. 17). It is not a process to extract only products A-1, C-1 and C-2 that have "Cancer coverage" as the main contract coverage and "Inpatient coverage" as the special coverage 1 to 3 coverage It has a great feature in terms of points.

  Accordingly, the insurance subscriber selects “cancer insurance” as the security content that the insurance applicant desires most necessary through the interface 261 shown in FIG. 18A, and the interface shown in FIG. 18B. Even when “hospital care” is selected as the security content that the applicant for insurance wants to further combine through the face 263, the applicant for insurance participation through the interface 265 shown in FIG. Select “Inpatient Security” as the security content that you think is most necessary, and select “Cancer Security” as the security content that applicants want to combine through the interface 267 shown in FIG. 19B. Even in such a case, the extraction unit 219 uses the insurance product information T203 as the security content stored in the main contract security content and the special contract 1 security content to the special contract 3 security content. To select the insurance products with the "cancer security" and "hospitalization security". Specifically, product A-1, product B-2, product C-1, product C-2, and product D-1 are extracted (see FIG. 17).

  The presentation unit 21 selects one of the insurance product amounts for each attribute associated with the insurance product with the insurance product name extracted by the extraction unit 219 in the insurance product information T203, which is input by the authorized user in the user information T1. The insurance product amount corresponding to the user attribute information associated with the user identification information of the user is read, and the insurance product amount is presented to the client terminal 30 via the network 3 together with the extracted insurance product name (see FIG. 20). : The insurance product amount is not shown here). The function of this presentation part 21 is the same as that of 1st Embodiment.

  FIG. 18B illustrates an insurance product extraction method when “any” shown in FIG. 19B is selected. In such a search system, a method of selecting “apply” or “not apply” is common. In other words, if you select “Apply”, products that do not have the target security from the list of insurance products will be excluded from the search, and if “No” is selected, the target security will be excluded. Products that have are excluded from search.

  However, insurance applicants are generally considered not to have detailed knowledge of coverage, and if such a person is selected to “apply” or “do not apply”, it is not intended. There is a possibility that some insurance products will not be searched. As a result, the range of selection of the product of the insurance applicant is narrowed. Therefore, in this embodiment, an option “both” is prepared.

  When “any” is selected by the insurance applicant, the coverage is not excluded from the search target even if it exists or does not exist. In other words, by eliminating the possibility of unintentionally incurring insurance products that are not subject to search, the range of product selection is prevented from narrowing for insurance applicants.

  In the insurance product presentation system 201 having the configuration of the third embodiment, an extraction request is made via the interfaces 261, 263, 265, and 267 without making the insurance applicants aware of the security content as the main contract and the security content as the special contract. Since the information is input, it is possible to present an insurance product having a combination of contents that the insurance applicant wants to truly desire. That is, even in today's diversified insurance products, it is possible to present the insurance products that the insurance applicant really wants without narrowing the range of options for the insurance applicants.

<Fourth embodiment>
Next, the insurance product presentation system 301 of the fourth embodiment will be described. The insurance product presentation system 301 is different from the insurance product presentation system 1 of the first embodiment in that the insurance product presentation server 310 has an insurance product information storage unit 315 that stores different insurance product information as shown in FIG. The point which is provided and the point provided with the presentation part 321 from which the presentation method of the insurance product shown to the client terminal 30 via the network 3 differs. Since the other configuration is the same as that of the insurance product presentation server 10, description thereof is omitted here, and the insurance product information storage unit 315 and the presentation unit 321 are mainly described with reference to FIGS. 16, 21, and 22. The details will be described below.

  The insurance product information stored in the insurance product information storage unit 315 includes a case where a single insurance product name (insurance product identification information) is enrolled in insurance for a plurality of predetermined subscription periods from each age within a predetermined range. An insurance product amount is associated. Specifically, for example, for each insurance product name, insurance for the case of taking out insurance for a predetermined enrollment period of 5 years, 10 years, 20 years and 30 years from each age range from 20 to 60 years old. Product price is associated.

  Based on the insurance product price associated with the insurance product name extracted by the extraction unit 19, the presentation unit 321 calculates the total insurance product price when the insurance product identified by the insurance product name is paid for a predetermined period. In addition to calculating the insurance cost, the insurance product amount to be paid after a predetermined number of years is extracted as a scheduled insurance premium, and the insurance cost and the insurance premium paid are presented to the client terminal 30 via the network 3. Specifically, as shown in FIG. 21, the presentation unit 321 adds an insurance period (main contract), an insurance premium payment period, a monthly insurance premium, a monthly payment from the 11th year to the insurance product name extracted by the extraction unit 19. The insurance premium, the monthly premium from the 21st year and the total premium for 30 years are displayed on the client terminal 30 as a list screen 361. The presenting unit 321 may present the annual premium instead of the monthly premium, or may present both the monthly premium and the annual premium.

  In the insurance product presentation system 301 having the configuration of the fourth embodiment, even if the same insurance product is used, different insurance product amounts are different depending on the age or subscription period of subscription, a plurality of rate plans are prepared, For insurance products that diversify, such as when the contract is re-signed at the time of expiration, a continuous discount insurance product amount is applied, it is possible to present a long-term premium payment plan to insurance applicants.

  In addition, even if there is a database of insurance product information, if there is no mechanism that can use the attributes such as gender and date of birth of the insurance applicant in advance, it is necessary to present the above list to the insurance applicant. Since the user is required to input information, the insurance product presentation system 301 having the configuration of the fourth embodiment can use the user information T1 acquired in advance by the user information acquisition unit 11. The information shown in FIG. 21 can be displayed in a list without taking time for input.

  When the presentation unit 321 presents a long-term insurance payment plan, how much is shown to the insurance applicants in a part of the list screen 361 shown in FIG. 21 (here, the column indicating the insurance period of the main contract). An interface 365 (see FIG. 22) may be provided that allows the user to select whether or not to display payments in a span of two. “10 years”, “15 years”,... Displayed on the interface 365 indicate the enrollment period. When entered in the check column, the total insurance premiums paid during the enrollment period are displayed. . “60 years old”, “65 years old”,... Displayed on the interface 365 indicate the years of maturity, and when entered in the check box, the total insurance premiums to be paid by that age are displayed. indicate. The display of the interface 365 on the list screen 361 is arbitrary, and a preset period may be displayed uniformly.

  As mentioned above, although one Embodiment of this invention was described, this invention is not limited to the said embodiment, A various change is possible in the range which does not deviate from the meaning of invention.

  Although the insurance product presentation server 10 of the first to fourth embodiments has been described with an example having the user information storage unit 13a and the insurance product information storage unit 15, the present invention is not limited thereto. Absent. For example, the user information storage unit 13a and the insurance product information storage unit 15 may be provided outside the insurance product presentation server 10 such as a data center.

  Further, in the insurance product presentation server 10 of the first to fourth embodiments, when an underwriting determination result is shown to the client terminal 30, as shown in the estimation result screen 63 of FIG. 12, "underwriting" or "underwriting" Although an example showing contents such as “impossible” has been described, the present invention is not limited to this. For example, based on information on the user's health condition stored as user information, “health certificate is necessary” ”And“ There is a possibility that conditions are attached to the security details ”may be presented to the client terminal 30.

  In the insurance product presentation server 10 according to the first to fourth embodiments, the user information acquisition unit 11 acquires a password, and the user information storage unit 13 stores the password in the user information storage unit 13a. However, the present invention is not limited to this. For example, the user name and password may be stored in advance in the user information storage unit 13a. The user name and password may be stored in a storage unit outside the insurance product presentation server 10. In this case, the authentication unit 17 performs authentication processing by accessing the external storage unit.

  Insurance implemented by the user information acquisition unit 11, the user information storage unit 13, the authentication unit 17, the extraction unit 19, the presentation unit 21 (presentation unit 221), and the determination unit 23 included in the insurance product presentation server 10. The product presentation method can also be realized as a program executed by a computer.

  The present invention may appropriately combine the first to fourth embodiments and other embodiments. In the case of the insurance product presentation systems 201 and 301 that realize the extraction method and the presentation method of the third and fourth embodiments, the insurance product information update unit 25 of the second embodiment communicates with the insurance company management server 70 via the network 3. It is particularly effective to have a configuration that accesses, acquires information about insurance products stored in the insurance company management server 70, and updates the insurance product information stored in the insurance product information storage unit 15. .

  1, 101, 201, 301 ... insurance product presentation system, 3 ... network, 10, 210, 310 ... insurance product presentation server, 11 ... user information acquisition unit, 13 ... user information storage unit, 13a ... user information storage unit, 15 , 215, 315 ... insurance product information storage unit, 17 ... authentication unit, 19, 219 ... extraction unit, 21, 221, 321 ... presentation unit, 23 ... determination unit, 25 ... insurance product information update unit, 30 ... client terminal, 31 ... User information reception unit, 33 ... Authentication information reception unit, 35 ... Extraction request information reception unit, 37 ... Estimation result output unit, 41 ... CPU, 42 ... Main storage unit, 43 ... Auxiliary storage unit, 44 ... Input unit, 45 ... output unit, 51 ... user information input screen, 53 ... questionnaire input screen, 55 ... user authentication screen, 57 ... extraction condition input screen, 61, 63 ... estimate result screen, 70 ... insurance company management Server, T1 ... user information, T3, T203 ... insurance product information, 211 ... extract desired information input unit, 261,263,265,267 ... interface, 361 ... list screen.

Claims (5)

In an insurance product presentation server for presenting insurance products to client terminals configured to be accessible via a network,
A user information acquisition unit that acquires user identification information for identifying a user and user attribute information that is an attribute of the user, transmitted from the client terminal;
A user information storage unit that stores user information associated with the user attribute information in the user information storage unit with respect to the user identification information acquired by the user information acquisition unit;
An authentication unit that determines whether or not the access from the client terminal is an access from a regular user based on one user identification information and one user authentication information transmitted from the client terminal;
Upon receiving extraction request information as an extraction condition for the insurance product from the client terminal determined to be an access from an authorized user by the authentication unit, an insurance subscription request for insurance product identification information for identifying the insurance product is received. The insurance product information storage unit storing the insurance product information associated with the insurance content information indicating the content of the insurance product for each attribute of the person is accessed, and the insurance product identification information that matches the extraction desired information is extracted. An extractor to perform,
Of the insurance content information for each of the attributes associated with the insurance product identification information extracted by the extraction unit in the insurance product information, the one of the user information authenticated by the authentication unit as the authorized user. The insurance content information that matches the user attribute information associated with the user identification information is read, and the insurance content information read together with the extracted insurance product identification information is presented to the client terminal via the network Bei example a presentation unit that, the,
The user information acquisition unit further acquires information on the health status of the user,
The user information storage unit further associates information on a health condition with the user identification information and stores the information in the user information storage unit;
The insurance product information storage unit further stores the association determination information indicating acceptance / rejection for each information related to the health status of the applicant for insurance with respect to the insurance product identification information,
In the insurance product information, the availability determination information associated with the insurance product identification information, and information regarding the user's health state associated with the one user identification information authenticated by the authentication unit in the user information. A determination unit that determines whether to accept an insurance product identified by the insurance product identification information extracted by the extraction unit;
The presenting unit is an insurance product presenting server that further presents a determination result of acceptance / rejection determined by the determination unit in association with the extracted insurance product identification information. The insurance product is accessed by accessing an insurance company management server configured to be accessible via the network and storing information on the insurance product periodically or when the client terminal requests presentation of the insurance product. to obtain information about further comprises insurance information updating unit that updates the insurance products information stored in the insurance information storage unit based on the acquired the insurance information about the insurance products of claim 1 Presentation server. The insurance product information stored in the insurance product information storage unit includes first security content information which is security content information as a main contract and security content as a special contract with respect to one insurance product identification information. Is associated with the second security content information,
Extraction that provides an interface capable of inputting two or more guarantee contents as the extraction request information without distinction of the main contract and the special contract for the client terminal determined to be an access from an authorized user by the authentication unit A desired information input unit is further provided,
When the extraction unit receives two or more security details via the interface, the insurance in which the combination of the first security content information and the second security content information matches the combination of the two or more security details extracting the product identification information from the insurance information storage unit, insurance products presentation server according to claim 1 or 2. In the insurance product information stored in the insurance product information storage unit, the insurance product price when the insurance product is enrolled for a plurality of predetermined subscription periods from each age within a predetermined range with respect to one insurance product identification information. Is associated,
The presenting unit, based on the insurance product amount associated with the insurance product identification information extracted by the extraction unit, the insurance when the insurance product identified by the insurance product identification information continues to be paid for a predetermined period Calculate the sum of the product amount as insurance costs, extract the insurance product amount to be paid after a predetermined number of years as the scheduled insurance premium, and present the insurance cost and the scheduled insurance premium to the client terminal via the network The insurance product presentation server according to any one of claims 1 to 3 . In an insurance product presentation server for presenting insurance products to client terminals configured to be accessible via a network,
A user information acquisition function for acquiring user identification information for identifying a user and user attribute information, which is an attribute of the user, transmitted from the client terminal;
A user information storage function for storing, in the user information storage unit, user information associated with the user attribute information with respect to the user identification information acquired in the user information acquisition function;
An authentication function for determining whether an access from the client terminal is an access from an authorized user based on one user identification information and one user authentication information transmitted from the client terminal;
Upon receiving the extraction request information as the insurance product extraction condition from the client terminal that is determined to be an access from an authorized user in the authentication function, the insurance product is added to the insurance product identification information for identifying the insurance product. The insurance product information storage unit storing the insurance product information associated with the insurance content information indicating the content of the insurance product for each attribute of the applicant is accessed, and the insurance product identification information that matches the extraction desired information is An extraction function to extract;
Among the insurance content information for each of the attributes associated with the insurance product identification information extracted by the extraction function in the insurance product information, the one of the user information authenticated by the authentication function as the authorized user. The insurance content information that matches the user attribute information associated with the user identification information is read, and the insurance content information read together with the extracted insurance product identification information is presented to the client terminal via the network To realize the presentation function ,
The user information acquisition function further acquires information on the health status of the user,
The user information storage function further associates information related to a health condition with the user identification information and stores the information in the user information storage unit,
The insurance product information storage unit further stores the association determination information indicating acceptance / rejection for each information related to the health status of the applicant for insurance with respect to the insurance product identification information,
The availability determination information associated with the insurance product identification information in the insurance product information, and the information regarding the user's health state associated with the one user identification information authenticated by the authentication function in the user information. Based on further, a determination function for determining whether to accept the insurance product identified by the insurance product identification information extracted by the extraction function,
The presenting function is an insurance product presenting program for further presenting a determination result of acceptance / rejection determined by the determination function in association with the extracted insurance product identification information .

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