JP7620127B2 - Information processing system, information processing device, server, program, or method - Google Patents

Description

The technology disclosed in this application relates to an information processing system, information processing device, server device, program, or method related to group insurance.

Group insurance can cover all members of a group at once, which can reduce the administrative burden compared to individual insurance.

JP 2002-7717 A JP 2016-192140 A JP 2009-259233 A

However, when handling group insurance using the Internet, some of the parties involved may experience a certain degree of inconvenience. Therefore, various embodiments of the present invention provide an information processing system, an information processing device, a server device, a program, or a method to solve the above problem.

A system according to a first aspect of an embodiment of the present application includes:
an acquisition unit that acquires, directly or indirectly via a network, group insurance application information, which is information related to an application for group insurance related to the group, from a system related to the group;
an application processing unit that performs application processing using the acquired group insurance application information;
A system comprising:
The group insurance application information is
applicant information identifying a person who has a predetermined relationship with the organization and who is an applicant for insurance for the organization;
health information, which is information related to the health of the applicant; and group insurance product information, which is information related to the group insurance product for which the applicant is applying,
The application process includes:
The method includes a process of storing the applicant information, the health information, and the group insurance product information in association with each other.
The system may be related to an insurance company. In the case of such a system, the applicant inputs application information for a group insurance product to the system related to the group, and the application information for the group insurance product is input to the system related to the insurance company, so that there is an advantage in that it is not necessary to input the application information for the group insurance product again to the system related to the insurance company.

The system of the second aspect according to one embodiment of the present application may be the system of the first aspect, capable of providing a specified website that is available only to those who have a specified relationship with the organization.

In addition, in a third aspect of the system according to an embodiment of the present application, the health information and the group insurance product information are information input via the website.
It may be the system of the second aspect.

In addition, in a fourth aspect of the system according to an embodiment of the present application, the system related to the organization can be directly or indirectly connected to an application that can be used only by a person having a predetermined relationship with the organization.
It may be the system of the first aspect.

In addition, in a fifth aspect of the system according to an embodiment of the present application, the health information and the group insurance product information are information input via the application.
It may be a system according to the fourth aspect.

In a sixth aspect of the system according to an embodiment of the present application, the group insurance application information includes information on a plurality of applicants,
A different information processing device that constitutes part or all of the system related to the organization,
The system may be any one of the first to fifth aspects.

The system according to a seventh aspect of the present application further includes a refund information generating unit that generates refund information based on the group insurance application information;
Further comprising:
The system may be any one of the first to sixth aspects.

In addition, in the system of an eighth aspect according to an embodiment of the present application, the refund information includes a numerical value indicating an amount to be refunded to the applicant, the numerical value corresponding to the gender and/or age information of the applicant information,
It may be the system of the seventh aspect.

In addition, in a ninth aspect of the system according to an embodiment of the present application, the refund information generation unit
Age information of the applicant information;
The gender of the applicant information;
The number of applicants for the group insurance;
Generate the refund information using
It may be the system of the seventh or eighth aspect.

In addition, in a system according to a tenth aspect of an embodiment of the present application, the refund information generation unit
Calculating the surplus amount for each block according to the age group of the insured and/or the sex of the insured;
Calculating a dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount,
Calculate the total amount of dividends to be paid to the insured, which is the figure obtained by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate;
Calculating the dividend to be distributed to each of the insured persons, which is the value obtained by dividing the total amount of dividends to the insured persons for each block by the number of insured persons at the end of the period for each block;
Generate the refund information using the dividend.
The system may be any one of the seventh to ninth aspects.

Further, a system according to an eleventh aspect of an embodiment of the present application includes a memory,
The system may be any one of the first to tenth aspects.

A program according to a twelfth aspect of an embodiment of the present application,
Systems related to insurance companies
an acquisition means for acquiring group insurance application information, which is information related to an application for group insurance related to the group, directly or indirectly from a system related to the group via a network;
An application processing means for performing application processing using the acquired group insurance application information;
It is a program to function as
The group insurance application information is
applicant information identifying a person who has a predetermined relationship with the organization and who is an applicant for insurance for the organization;
health information, which is information related to the health of the applicant; and group insurance product information, which is information related to a group insurance product for which the applicant is applying;
The application processing means includes:
A processing means for storing the applicant information, the health information, and the group insurance product information in association with each other,
It may be a program.

A program according to a thirteenth aspect of an embodiment of the present application,
The system relating to the insurance company,
a refund information generating means for generating refund information based on the group insurance application information;
The program may be a program according to the twelfth aspect for causing the device to function as a

A program according to a fourteenth aspect of an embodiment of the present application,
The refund information generating means
Calculating the surplus amount for each block according to the age group of the insured and/or the sex of the insured;
Calculating a dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount,
Calculate the total amount of dividends to be paid to the insured, which is the figure obtained by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate;
Calculating the dividend to be distributed to each of the insured persons, which is the value obtained by dividing the total amount of dividends to the insured persons for each block by the number of insured persons at the end of the period for each block;
means for generating the refund information using the dividend;
The program may be any one of the twelfth and thirteenth aspects.

A program according to a fifteenth aspect of an embodiment of the present application,
The insurance company system includes a memory.
The program may be any one of the twelfth to fourteenth aspects.

A method according to a sixteenth aspect of the present application, comprising:
The system related to insurance companies
an acquisition step of directly or indirectly acquiring group insurance application information, which is information related to an application for group insurance related to the group, from a system related to the group via a network;
an application processing step of performing application processing using the acquired group insurance application information;
A method for performing
The group insurance application information is
applicant information identifying a person who has a predetermined relationship with the organization and who is an applicant for insurance for the organization;
health information, which is information related to the health of the applicant; and group insurance product information, which is information related to a group insurance product for which the applicant is applying;
The application processing step includes:
A processing step of storing the applicant information, the health information, and the group insurance product information in association with each other,
It may be a method.

A method according to a seventeenth aspect of the present application, comprising:
The system related to the insurance company,
a refund information generating step of generating refund information based on the group insurance application information;
The method may be of the sixteenth aspect,

A method according to an eighteenth aspect of the present application, comprising:
The refund information generating step includes:
Calculating the surplus amount for each block according to the age group of the insured and/or the sex of the insured;
Calculating a dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount,
Calculate the total amount of dividends to be paid to the insured, which is the figure obtained by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate;
Calculating the dividend to be distributed to each of the insured persons, which is the value obtained by dividing the total amount of dividends to the insured persons for each block by the number of insured persons at the end of the period for each block;
generating the refund information using the dividend;
The method may be according to any one of the sixteenth to seventeenth aspects.

A method according to a nineteenth aspect of the present application, comprising:
The insurance company system includes a memory.
The method may be according to any one of the sixteenth to eighteenth aspects.

One embodiment of the present invention can provide something that improves convenience for at least some of the people involved.

FIG. 1 is a block diagram showing the functions of a system according to an embodiment. FIG. 2 is a diagram showing data in a system according to an embodiment. FIG. 3 is a diagram showing data in a system according to an embodiment. FIG. 4 is a diagram showing data in a system according to an embodiment. FIG. 5 is a diagram showing data in a system according to an embodiment. FIG. 6 is a diagram showing data in a system according to an embodiment. FIG. 7 is a diagram showing data in a system according to an embodiment. FIG. 8 is a block diagram showing an overall configuration including a system according to an embodiment. FIG. 9 is a diagram showing a flow of a system according to an embodiment. FIG. 10 is a block diagram showing an overall configuration including a system according to an embodiment. FIG. 11 is a block diagram showing an overall configuration including a system according to an embodiment. FIG. 12 is a block diagram showing an overall configuration including a system according to an embodiment. FIG. 13 is a diagram showing one process of a calculation process in a system according to an embodiment. FIG. 14 is a diagram showing one process of a calculation process in a system according to an embodiment. FIG. 15 is a diagram showing a process of a calculation process in a system according to an embodiment. FIG. 16 is a diagram showing one process of a calculation process in a system according to an embodiment. FIG. 17 is a diagram showing one process of a calculation process in a system according to an embodiment. FIG. 18 is a diagram showing one process of a calculation process in a system according to an embodiment. FIG. 19 is a block diagram illustrating a configuration within a system according to an embodiment.

1. Overview Group insurance generally covers those who have a certain relationship with a specific group as insured persons, and since it allows for mass processing, it has the advantage of being able to reduce administrative costs compared to normal individual insurance contracts. The present invention relates to group insurance, and in particular to a system using a network.

2. Functions First, functions of an example system according to the present invention will be described with reference to FIG. 1. The system according to the present invention may have only some of the functions described below, or may have all of the functions. The system of this example may be a system related to an insurance company. A system related to an insurance company may be a system owned by the insurance company, a system managed by the insurance company, or a system used by the insurance company through a contract for use of other cloud systems, server systems, etc. In the present application, the insurance company may be any type of insurance company as long as it can handle group insurance.

2.1. Acquisition Unit The acquisition unit has a function of acquiring information. The information may be information related to an application for group insurance. For example, the acquisition unit may acquire some or all of the following information: information identifying an applicant applying for group insurance (sometimes referred to as "applicant information" in this application document), information related to a person's health (sometimes referred to as "health information" in this application document), and information related to a group insurance product (sometimes referred to as "group insurance product information" in this application document). The acquisition unit may also acquire other information. Note that information including the applicant information, health information, and/or group insurance product information may be referred to as "group insurance application information."

The applicant information may be any information that can identify the applicant who applies for group insurance. For example, the applicant's name, the applicant's ID, the applicant's nickname, etc. The applicant's ID may include an ID given by the system according to the present invention, or an ID given by another system different from the system according to the present invention. The applicant information may include the applicant's gender and/or the applicant's age information. The applicant's age may be a specific age or an age range. The age range may be based on a certain age range. The applicant may be a person who has a specified relationship with the organization. For example, if the organization is a service provider, the specified relationship may be a relationship of being a member of the service provider. The specified relationship may also be a relationship of receiving the provision of a specific service when the service provider provides the specific service.

The health information may include information relating to a person's current health, or may include information relating to a person's past health. The health information may also include information relating to illnesses suffered by a person (e.g., medical history), information relating to a person's medical records, information relating to a person's medical treatment, or information relating to medications taken by a person.

The group insurance product information may be information that identifies the group insurance product. The group insurance product information may include a name that identifies the group insurance product, or an ID that identifies the group insurance product. In addition, when group insurance products differ depending on the time, the members of the group, the status of the members of the group, etc., information that distinguishes them may be included in the group insurance product information. The insurance premium for the group insurance product may be indicated according to the age information and the gender of the applicant. In addition, the insurance premium set for one group insurance product may be set higher than the insurance premium for the average gender and/or age information when applying for such group insurance product. In such a case, even if the attributes of the gender and age information of the members of the group are average, the risk of an unforeseen situation occurring to the insurance company due to the payment of the insurance amount is reduced. In addition, the group insurance may be life insurance, medical insurance, or other insurance, and the type is not limited as long as it is insurance for the members of the group.

The acquisition unit may acquire information from a system related to the organization. The organization may be any organization, for example, an organization that provides Internet services, such as a service provider. In this case, the applicant may be a person who uses the services of the service provider. In the case of a member of the service provider, the method of payment of the expenses is already associated with the provider contract and is determined, so there is an advantage that the method of payment of the group insurance premium is easy. Note that the organization may be different from the insurance company, and the system related to the organization and the system related to the insurance company may not have overlapping configurations. Furthermore, the acquisition unit may acquire information directly or indirectly from the system related to the organization via a network. Therefore, the network between the system related to the acquisition unit and the system related to the organization may be the general Internet, may be one using a dedicated line, or may be any type.

Figure 2 is an example of data acquired by the acquisition unit. The acquisition unit may acquire applicant information, health information, and group insurance product information in one data structure. In this case, when an applicant for group insurance applies for the group insurance, the acquisition unit may acquire applicant information, health information, and group insurance product information for the applicant. In this way, the acquisition unit may acquire applicant information, health information, and group insurance product information according to the timing of the application. Furthermore, the acquisition unit may acquire the applicant information, health information, and group insurance product information in an associated data structure. Furthermore, the acquisition unit may acquire the applicant information, health information, and group insurance product information at the same timing. Furthermore, the acquisition unit may acquire these pieces of information at a timing different from the timing at which they were input on the user terminal. For example, they may be acquired after a predetermined time has elapsed since they were input on the user terminal. Furthermore, the acquisition unit may acquire these pieces of information for each predetermined number of applicants.

Figure 3 is another example of data acquired by the acquisition unit. Here, the acquisition unit acquires applicant information, health information, and group insurance product information for multiple applicants together. Here, the applicant information, health information, and group insurance product information are each associated with an ID assigned to each applicant. Therefore, the configuration is such that the applicant information, health information, and group insurance product information can be identified for one applicant indicated by one ID. In this case, the acquisition unit may acquire the applicant information, health information, and group insurance product information at different times. Also, the acquisition unit may acquire group insurance application information related to multiple applicants for group insurance at the same time.

The storage unit has a function of storing information related to the present invention. The storage unit may store information acquired by the acquisition unit, information required for processing by the application processing unit and the refund information generating unit described below, information after processing, and programs for performing these processes.

2.3 Application Processing Unit The application processing unit has a function of processing applications for group insurance.

As an example of application processing, the application processing unit may store information acquired from the acquisition unit in a data structure as shown in FIG. 4. In this case, the application processing unit may perform processing in cooperation with the storage unit. These pieces of information may be stored in association with each other. Note that while this figure shows an example of storing data as one table, the information may be stored in a relational database format as shown in FIG. 5, in which each record is associated with an ID and stored, or in some other database format.

As an example of application processing, the application processing unit may calculate the number of applicants by gender and age for one group insurance. For example, FIG. 6 shows an example of the total number of applicants by gender and age group for one group insurance.

2.4. Refund Information Generation Unit The refund information generation unit has a function of generating information related to refunds for group insurance (sometimes referred to as "refund information" in this application). The refund information generation unit may generate refund information for the target group insurance product at the end of the insurance period. Note that among applicants who applied for a group insurance product, those who become the subject of insurance through assessment may also be referred to as insured persons.

The refund information may include a numerical value indicating the amount to be refunded to the group, may include a numerical value indicating the amount to be refunded to all insured persons, and/or may include a numerical value indicating the amount to be refunded to each insured person. When the refund information includes a numerical value indicating the amount to be refunded to the group, it has the advantage of being able to organize the amount to be refunded to the group. When the refund information includes a numerical value indicating the amount to be refunded to all insured persons, it has the advantage of being able to organize the amount to be refunded to all insured persons. When the refund information includes a numerical value indicating the amount to be refunded to each insured person, it has the advantage of being able to organize the amount to be refunded to each insured person. The refund information may include information associating one insured person with a numerical value indicating the amount to be refunded to that insured person. The refund information may also include information associating multiple insured persons with respective numerical values indicating the amount to be refunded to each insured person. FIG. 7 shows an example in which information indicating the amount to be refunded to each of multiple applicants (assuming that each applicant is an insured person who became the subject of insurance as a result of the appraisal of the applicant) who applied for a group insurance product is stored in association with each of the applicants. Here, the applicant ID may be any information that can identify the applicant (insured person). Note that since appraisals for group insurance products may be denied for some applicants, the insured person may be a subset of the applicants.

The refund information generation unit may also have a function of directly or indirectly transmitting the refund information to a system related to the organization. When refund information including a numerical value indicating the amount to be refunded to the organization is transmitted to a system related to the organization, there is an advantage that information on the amount to be refunded to the organization can be transmitted. When refund information including a numerical value indicating the amount to be refunded to all insured persons is transmitted to a system related to the organization, there is an advantage that the amount to be refunded to all insured persons can be transmitted. When refund information including a numerical value indicating the amount to be refunded to each insured person is transmitted to a system related to the organization, there is an advantage that the amount to be refunded to each insured person can be transmitted.

In particular, when the refund information includes a numerical value indicating the amount to be refunded to each insured person, if the refund information generation unit generates the information to be refunded for each insured person using the incidence rate of insurance accidents by gender, age, and other information related to the insured person, there is an advantage in that the amount to be refunded can be organized more in accordance with the circumstances of each insured person.

In addition, since the refund information is numerical information indicating the amount to be refunded to the organization, all insured persons, and/or each insured person, it has the advantage of being easy to process in the system related to the organization that obtains such information. For example, if the refund information includes a numerical value indicating the amount to be refunded to the organization, it is possible to process the amount of the refund between the insurance company and the organization using the numerical value. In addition, if the refund information includes a numerical value indicating the amount to be refunded to all insured persons, it has the advantage of being able to process the numerical value even if the system related to the organization has its own processing method. In addition, if the refund information includes a numerical value indicating the amount to be refunded to each insured person, it has the advantage of being able to process the numerical value for each insured person in the system related to the organization. In this case, for example, if each insured person has some points in the system related to the organization, the amount to be refunded can be processed as points in the organization by adding a numerical value indicating the amount to be refunded to each insured person to the points that each insured person has, and this has the advantage of reducing the administrative burden.

3. Example Next, an example of a system using some or all of the above-described functions will be described.

Example 1
The system according to the first embodiment will be described with reference to FIG. 8. The system 06 according to the first embodiment may be directly or indirectly connected to an external WEB server 05 via a network. The system 06 according to this example may have a function of acquiring applicant information, health information, and/or group insurance product information from the WEB server. The system may also have a function of storing the applicant information, health information, and group insurance product information acquired from the WEB server in association with each other. The system may also have a function of performing application processing for the group insurance using the applicant information, health information, and group insurance product information. The system 06 may be a system related to an insurance company.

The web server 05 may be a system related to an organization. The organization may be a service provider that offers e-commerce business, etc. The web server may be directly or indirectly connected to the user terminals 01 to 04 via a network. Note that, although four user terminals are described here as an example, there is no limit to the number. In the following, the user terminal 01 will be described as the subject. Those who have a specific relationship with a service provider may be members of the service provider, or members who use a specific service provided by the service provider.

The web server may receive a request to access a specific site from a user terminal. It may also use information acquired from the user terminal to authenticate whether the user terminal is being used by a member. It may also transmit to the user terminal a site that is accessible only to members of the organization only if authentication that the user terminal is being used by a member of the organization is successful. It may also transmit information about one or more group insurance products to the user terminal so that it can be displayed on the user terminal. It may also acquire specific group insurance product information, health information, and other information from the user terminal.

The user terminal may be used by a person who has a specific relationship with an organization. The user terminal may be capable of inputting information indicating that it is being used by a member of a specific organization, and may transmit such information to a web server. A site that can only be accessed by members of the organization may be displayed only if authentication that the user terminal is being used by a member of the organization is successful. Information on one or more group insurance products may be displayed. On such a site, specific group insurance product information, health information, and other information may be input only by such specific members, and such information may be transmitted to the web server. In this way, by configuring the system so that only specific members can apply for group insurance, it is possible to technically support the requirement that group insurance be a group.

Next, the flow of using the system in this example will be explained using Figure 9.

First, a member of the organization inputs information indicating that he or she is a member of the organization into a user terminal (step 01). Such information may be an ID, password, biometric authentication information, etc., indicating that the member is a member.

The user terminal transmits information indicating that the user is a member of the organization to the WEB server (step 02). The indicated ID, password, biometric authentication information, etc. may be subjected to a predetermined process. At this time, the user terminal may communicate with the WEB server by associating the ID with a connection ID for connecting to the WEB server, etc.

Next, the WEB server uses the information acquired from the user terminal to authenticate the user's membership of the organization (step 03). The authentication may be performed using a method corresponding to the information indicating the user's membership of the organization, such as password authentication or biometric authentication. The WEB server may associate the above-mentioned connection ID with the member, and use the connection ID for subsequent connections to the user terminal. The connection ID may be information indicating that the connection is ongoing, such as a session ID.

Next, the WEB server transmits information about the site that is provided only to members of the organization to the user terminal only if it has successfully authenticated that the user terminal is being used by a member of the organization based on information from the user terminal (step 04). The information about the site may include information about one or more group insurance products. The information about the one or more group insurance products may be, for example, details about the one or more group insurance products, and may be information necessary for selecting a group insurance product, such as options for the group insurance product, conditions for enrollment, premiums, and insurance amounts.

Next, the user terminal displays information on the site (step 05). The user terminal may display information on the site related to the one or more group insurance products described above. When displaying the information on the site, the user terminal may also display the one or more group insurance products in a selectable manner.

Next, when applying for a specific group insurance product, the member performs such input on the user terminal (step 06). Here, the user selects a specific group insurance product. If there is an option for the group insurance product, the option may also be selected. The user also inputs health information. The health information may be input by selecting options, or the specific name of the illness suffered from and the medicine used may be input. If the group is a service provider, the insurance premium to be paid by the member may be added to the service provider's fee, or may be paid by other means such as a credit card. In this step, the member may input the information of the member himself who is applying for group insurance into the user terminal. With this step, the application for the group insurance product is completed, and the member does not need to input the application information for the group insurance product separately in the system related to the insurance company.

Next, the user terminal transmits the information input by the user to the WEB server (step 07). The information input by the user may be, for example, a selected group insurance product information, health information, and other information. Note that here, the user terminal may transmit the group insurance product information, health information, and other information to the WEB server after the member has input all of the information, or may transmit the information to the WEB server each time it receives input of a portion of this information. Note that when the user terminal receives the member's information, it may transmit the member's information to the WEB server.

The WEB server transmits information based on the information sent and received by the user terminal to the system of this example (step 08). The WEB server may transmit the information received from the user terminal directly to the system of this example, or may transmit the information received from the user terminal to the system of this example after performing a specified processing on it.

The predetermined processing may be, for example, a process of adding information held by the web server itself, for example, a process of adding applicant information held by the web server itself. Since the web server can identify the member through the above-mentioned authentication step, the web server may add member information associated with the connection ID by the connection ID used in the subsequent response. This has the advantage that the above-mentioned health information and connection ID are merely sent simultaneously, and there is no need to directly communicate between the health information and the member information. On the other hand, when the web server receives member information from the user terminal, it may send information held by the web server itself to the system of this example.

The system of this example uses the information received from the web server to process applications for specific group insurance products (step 09). Note that the system of this example may obtain information from the web server in a data structure in which the applicant information, health information, and group insurance product information are associated, or may obtain these in separate data structures. Furthermore, the system of this example is capable of processing applications for group insurance products with only the information received from the web server, and there is no need for the applicant to separately obtain application information for such group insurance products from a system related to the insurance company.

In the method according to the present example, a system related to an insurance company includes:
an acquisition step of acquiring group insurance application information, which is information related to an application for group insurance related to the group, directly or indirectly from a system related to the group via a network;
an application processing step of performing application processing using the acquired group insurance application information;
A method for performing
The group insurance application information is
applicant information identifying a person who has a predetermined relationship with the organization and who is an applicant for insurance for the organization;
health information, which is information related to the health of the applicant; and group insurance product information, which is information related to a group insurance product for which the applicant is applying;
The application processing step includes:
A processing step of storing the applicant information, the health information, and the group insurance product information in association with each other,
It may be a method.

In this way, the system of this example has the advantage that the applicant for group insurance has already concluded a provider contract with the service provider and can apply for group insurance using the site that he or she normally uses. In particular, when it is possible to complete the application for group insurance within the service provider, as in the system of this example, the applicant for group insurance does not have to access the insurance company's website again and re-enter his or her own information as the applicant for group insurance. In addition, from the perspective of the system of this example, this advantage is realized by a configuration in which the system of this example does not obtain group insurance application information directly from the user terminal, but rather the group insurance application information is sent from the user terminal to the system related to the group, and the system of this example obtains the group insurance application information from the system related to the group.

Example 2
The system according to the second embodiment is realized by an application connected to a server, instead of a site provided by a web server. Only the differences from the first embodiment will be described.

The WEB server may have a function to download an application (sometimes referred to as a "group insurance product app" in the present application) that enables applications for group insurance products. The WEB server may also have a function to update information and processing within the group insurance product app. The WEB server may also be able to connect to the group insurance product app in the user terminal in real time, and transmit and receive information in real time in response to input of information of members using the user terminal. The WEB server may also connect to the group insurance product app and receive applications for group insurance products even during times when the user of the user terminal is not using the group insurance product app.

The user terminal may be capable of installing and executing a group insurance product app. The user terminal may also have a function that allows the information and processing in the group insurance product app to be updated. The user terminal may also be capable of connecting to a web server in real time and sending and receiving information in real time in response to input of information about a member using the user terminal into the group insurance product app. The user terminal may also be capable of connecting to the web server and sending an application for a group insurance product even during times when the user of the user terminal is not using the group insurance product app.

Next, we will explain an example of the flow using the system of this example. It is assumed that a group insurance product app provided by a web server has been downloaded and installed on the user terminal.

First, in response to an instruction from the user to start the group insurance product app, the user terminal starts the group insurance product app (step 1). At this time, the user terminal accesses the web server and checks whether there is an update for the group insurance product app, and if it is determined in the web server that there is an update, the user terminal may connect to the web server and perform the update process.

Next, the user terminal works in conjunction with the WEB server to authenticate the member (step 2). In this case, the authentication may be performed by connecting to the WEB server, and the processing in this case may be steps 1 to 3 of the system according to the first embodiment.

Next, only if the user terminal is successfully authenticated as being used by a member of the group in the group insurance product app, the user terminal displays information on one or more group insurance products that are only provided to members of the group on the group insurance product app, and in response, the user inputs information to apply for a specific group insurance product (step 3). Such a display may correspond to steps 5 and 6 of the system according to the first embodiment. In this way, by configuring the system so that only specific members can apply for group insurance, it is possible to technically support the requirement that group insurance be a group.

Next, the group insurance product app on the user terminal transmits the information entered by the user to the web server (step 4). This step corresponds to step 7 in Example 1.

Hereafter, steps 8 and onward in Example 1 may be applied to Example 2.

In the above, the steps for applying for a group insurance product in real time when the user terminal is connected to the web server have been described, but the group insurance product may be accepted even when the user terminal cannot connect to the web server. In this case, it is preferable for the group insurance product app to display on the user terminal the possibility that the group insurance product cannot be applied for. Furthermore, the authentication method described in the following Example 3 may be applied to authenticate members on the user terminal. Furthermore, the group insurance product app may be configured to be able to exchange information with the web server when it is connected to the web server.

Example 3
The system of this embodiment is an example of a system in which security is implemented in the system according to the embodiment 1 or the embodiment 2. Various security methods can be applied to the system according to the embodiment 1 or the embodiment 2, and one example of them will be described as the embodiment 3.

A security measure may be applied to the user terminal for authentication. In the first and second embodiments, information indicating that the terminal is being used by a member of the organization is transmitted from the user terminal to the WEB server, but instead of this information, processed information indicating that the terminal is being used by a member of the organization may be transmitted from the user terminal to the WEB server. For example, the user terminal may have a one-way function, and the one-way function may be applied to information indicating that the terminal is being used by a member of the organization, and the obtained value may be transmitted from the user terminal to the WEB server, and this value may be compared with a value obtained by applying the one-way function to information indicating that the terminal is being used by a member of the organization in advance in the WEB server, thereby performing authentication. In this case, there is an advantage that the information cannot be intercepted because the password itself is not communicated.

Also, parameters used in such a one-way function may be sent from the web server to the user terminal, and a value to which the one-way function is applied using such parameters may be sent from the user terminal to the web server, and then collated as described above. In this case, even if the value to which the one-way function is applied is intercepted midway, if the next parameter is different, the value to which the next one-way function is applied will be different, making spoofing more difficult.

In the above, an example was described in which authentication involved exchanging information between the user terminal and the web server, but authentication may also be performed by inputting information into a group insurance product app in the user terminal. This has the advantage that real-time information exchange with the web server is not required.

Example 4
The system according to the fourth embodiment is an example in which the web server is distributed. The system will be described with reference to Fig. 10. This embodiment will be described mainly in comparison with the system according to the first embodiment, but the web server may be distributed in the second and third embodiments as well.

In this figure, among the user terminals 01 to 04, the user terminals 01 and 02 may be directly or indirectly connected to the WEB server 05, and the user terminals 03 and 04 may be directly or indirectly connected to the WEB server 06. This configuration has the advantage that the burden on the WEB servers 05 and 06 is not excessively heavy, and simultaneous applications by members can be appropriately handled. In particular, in the case of a group insurance product that can be applied for by a member of an organization such as a service provider and is a topical insurance product that can be applied for at a flat fee, applications may be concentrated at a certain time. Even in such a case, there is an advantage that it can be appropriately handled. The functions of the WEB servers 05 and 06 may be the same as those described above, and the system of this example may obtain information from these two servers, the WEB servers 05 and 06. The WEB servers 05 and 06 may be systems related to organizations, and the system 07 of this example may be a system related to insurance companies.

Figure 11 shows another example of distributed web servers. In this example, web servers 05 and 06 are configured to send information to server 07. In this case, batch processing is possible, such as sending information from server 07 to system 08 of this example when a certain number of applicants have gathered. In this case, the service provider has the advantage that the information can be organized once in server 07, and even if server 07 and system 08 of this example have different administrators/owners, there is an advantage that the consistency of data structure and information communication protocol between them only needs to be focused on server 07. In this way, the system of this example may be configured to obtain information from one server 07. Note that web servers 05, 06, and server 07 may be systems related to an organization, and system 08, which is the system of this example, may be a system related to an insurance company.

Example 5
The system according to the fifth embodiment is an example of calculating refund information. The system according to the fifth embodiment is based on the premise that the system has group insurance product information and applicant information for group insurance in advance. The process of acquiring such information may be the method described in the above embodiment, or may be other methods without being limited to the method described in the above embodiment. That is, the system according to the fifth embodiment may be a combination of any one of the systems according to the first to fourth embodiments and the system according to the fifth embodiment, or may be a combination of another system and the system according to the fifth embodiment, or may be a single system of the system according to the fifth embodiment.

The system according to the fifth embodiment will be described with reference to FIG. 12. The system 07 according to this embodiment, which is related to an insurance company, may be connected directly or indirectly to a server 06 related to an organization via a network. The system related to the organization may include, for example, a server 06 and a web server 05.

The system 07 may include a refund information generation unit and generate refund information. For one group insurance product, the refund information generation unit may generate 1) refund information for the group, 2) refund information for all insured persons, and/or 3) refund information for each insured person.

Here, we will explain the refund information generated by the refund information generation unit using a specific example. In this example, the following situation is assumed for one group insurance product.

[Hypothetical example]
・Monthly insurance premium: 1,000 yen ・Total insurance premium: 6,000 (unit: million yen)
・Business operating expenses: 15% of total insurance premiums = 6,000 (million yen) x 15% = 900 (million yen)
・Total insurance payment amount: 3,000 (unit: million yen)
・Group dividend rate: 80%
・Dividend rate for all insured persons: 60%

For one group insurance product, at the end of the term when the insurance period for the group insurance product ends, the above information may be entered into the system of this example, stored, and used as described below. This information may be entered into the system of this example by an administrator of the system of this example, or may be entered into the system of this example and stored using a separate technology. Note that the term "insurance premium" refers to the amount paid by the insured (the amount obtained by the insurance company), and the term "insurance benefit" refers to the amount obtained by the insured (the amount paid by the insurance company) in the present application documents.

1) Refund Information for Organizations Refund information for organizations may be calculated according to the following formula:
Refund information = (total insurance premiums - business operating expenses - total insurance claims paid) x dividend rate to organization Based on the above example, the refund information is calculated as (6,000 (million yen) - 900 (million yen) - 3,000 (million yen)) x 80% = 1,680 (million yen). Therefore, if the refund information includes information indicating the amount to be refunded to the organization, the refund information may include the numerical value 1,680 (million) (1680,000,000).

2) Refund Information for All Insured Persons The refund information for all insured persons may be calculated according to the following formula:
Refund information = (total insurance premiums - business operating expenses - total insurance claims paid) x dividend rate received by all insured persons Based on the above example, the refund information is calculated as (6,000 (million yen) - 900 (million yen) - 3,000 (million yen)) x 60% = 1,260 (million yen). Therefore, if the refund information includes information indicating the amount to be refunded to all insured persons, the refund information may include the numerical value 1,260 (million) (1.26 million).

3) Refund information for each insured person Refund information for each insured person may be generated using the gender and age group of each insured person. The number of people for each gender and age group (in the present application documents, the division by gender and age group is sometimes called a "block") for one group insurance product in this example is as shown in FIG. 13 at the end of the period.

Additionally, for each block, the surplus amount may be calculated according to the following formula:
Surplus Amount=Insurance Premium-Business Operating Expenses-Insurance PaymentsBased on the above formula, the surplus amount calculated for each block in FIG. 13 is as shown in FIG. 14. Note that, similarly to the above, the information related to FIG. 13 and FIG. 14 may be inputted and stored in the system of this example and used as described below. This information may be inputted into the system of this example by the administrator of the system of this example, or may be inputted and stored in the system of this example using a separate technology.

Next, the ratio of the surplus amount for each block to the total surplus amount (sometimes referred to as the "dividend distribution ratio" in the present application documents) is calculated. In this example, the calculation is performed as shown in FIG. 15. Note that, from now on, it is assumed that dividends will not be paid to insured persons belonging to blocks with negative surplus amounts, so there is no need to calculate refund information. In this figure, the blocks for which refund information is calculated are shown shaded. Here, the total surplus amount excluding negative blocks is 500+400+600+300+300+100=2200 in this example. Therefore, for example, the dividend distribution ratio for the male block in (1) is calculated as 500/2200(%)=22.7%.

Next, the total amount of dividends to be paid to the insured (1,260 million yen) is multiplied by the "dividend distribution rate" to calculate the total amount of dividends to the insured. In this example, the calculation is as shown in Figure 16. For example, for the male block in (1), the calculation is 1,260 x 22.7% = 286 (rounded off).

Next, the total amount of dividends to insureds is divided by the number of insureds belonging to each block to calculate the value. In this example, the calculation is performed as shown in Figure 17. For example, for the male block in (1), the calculation is 286 (million yen) / 50,000 (people) = 5,727 (yen). Therefore, if the refund information includes information indicating the amount to be refunded to each insured person, the refund information may include information as shown in Figure 18, in which numerical values indicating the amount to be refunded are associated with each gender and age group. Note that in this figure, blocks for which the amount to be refunded has not been calculated are omitted, but the refund information may include information for these, or may include other information.

Furthermore, system 07 may transmit 1) refund information for the organization, 2) refund information for all insured persons, and/or 3) refund information for each insured person to the system related to the organization. Such transmission may be in response to a request from the system related to the organization, or may be transmitted without a request from the system related to the organization.

For each applicant for the group insurance product related to the refund information, the server 06 may update the point information held by each applicant by adding a numerical value indicating the amount to be refunded to each applicant in the refund information to the numerical value of points or the like that each applicant already holds.

The web server 05 may be capable of obtaining points for each applicant from the server 06 and transmitting refund information corresponding to each applicant in response to a request for refund information from the user terminals 01 to 04.

The system of an example insurance company may have a refund information generation unit that generates refund information. Here, the system of this example does not have the acquisition unit, storage unit, and application processing unit described above, and the information used in the refund information generation unit may be information that is stored in the system in advance.

The refund information may also include a numerical value indicating the amount to be refunded to the applicant, which corresponds to the gender and/or age information of the applicant information.

The refund information may also include information identifying the insured person and a numerical value indicating the amount to be refunded to the insured person.

The refund information generation unit may also generate different numerical values indicating the amount to be refunded to the insured person depending on the gender and/or age information of the insured person.

The refund information generation unit may generate the refund information using age information of the applicant information, gender related to the applicant information, and the number of applicants to the group insurance.

In addition, the method executed by the system relating to the example insurance company is as follows:
calculating a surplus for each block according to the age group of the insured and/or the gender of the insured;
A step of calculating a dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount;
A step of calculating a total amount of dividends to the insured, which is a numerical value obtained by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate;
A step of calculating a dividend to be distributed to each insured person, which is a numerical value obtained by dividing the total amount of dividends to insured persons for each block by the number of insured persons at the end of the period for each block;
The present invention may also be a program that enables a system related to an insurance company to execute the above method.

Regarding the group insurance dividends paid to the policyholder by the insurance company, how to distribute the dividends to each insured is generally left to the policyholder's decision, and in many cases, the dividends are not returned to each insured at all. Even in cases where the dividends are returned to each insured, a fixed rate of dividends is often returned to all group members according to the amount of insurance premiums paid by each insured, etc., due to the complexity of the administrative procedures. When the system of this example is equipped with a refund information generation unit as described above, there is an advantage that information for refunding each insured can be efficiently generated. In addition, when the information generated by the refund information generation unit is transmitted to the system related to the group, which is the system related to the policyholder, there is an advantage that the policyholder can obtain information for refunding each insured without any administrative burden. In particular, when the refund information generation unit generates insured dividend refund information for each gender and/or age information for the applicant for group insurance using gender and/or age information, and such information is transmitted to the system related to the group, there is an advantage that the group can obtain more precise refund information according to the information of each insured. From the perspective of group insurance applicants, this has the advantage of reducing the sense of unfairness between group insurance applicants. In addition, when the refund information generation unit generates such refund information as a numerical value indicating an amount and such information is transmitted to a system related to the group, the system related to the group can process it as a calculation of the numerical value held by each member, and there is an advantage that refunds related to such group insurance can be executed without the burden of administrative processing.

4. System Configuration In the present application, a "system" may be composed of one information processing device or may be composed of multiple information processing devices. Furthermore, the owner or manager of one or multiple information processing devices may be the same or different. The information processing devices described below may have the same configuration in the system described in the present application, as well as in the server and terminal. In that case, the functions of each specific component in the information processing device may be different from each other.

As shown in FIG. 19, one information processing device 10 may include a calculation device 11 and a storage device 12. The information processing device 10 may also include a communication IF (not shown). The information processing device 10 may also include an input device 13 and a display device 14. The information processing device 10 may be directly or indirectly connected to another information processing device via a network (not shown) and the communication IF.

The calculation device 11, memory device 12, input device 13, display device 14, and communication IF may transmit information via a bus (not shown).

An example of the arithmetic device 11 is a processor. This may be a CPU or an MPU. It may also have a graphics processing unit, a digital signal processor, etc. In short, the arithmetic device 11 may be any device that can execute program instructions.

The storage device 12 is a device that records information. This may be either an external memory or an internal memory, and may be either a main storage device or an auxiliary storage device. It may also be a magnetic disk (hard disk), an optical disk, a magnetic tape, a semiconductor memory, etc. It may also have a storage device via a network, or a storage device on the cloud via a network.

Note that registers, L1 caches, L2 caches, and the like, which store information in locations physically close to the arithmetic unit, may be included in the arithmetic unit 11 or in the storage device 12 as various aspects of computer architecture design. In short, it is sufficient that the arithmetic unit 11 and the storage device 12 are configured to cooperate with each other to execute information processing.

The storage device 12 may include a program for executing a service related to the present invention. It may also appropriately record data required for executing a service related to the present invention. The storage device 12 may also include a database.

In addition, the above describes a case where the calculation device 11 is executed based on a program stored in the memory device 12, but as one form in which the calculation device 11 and memory device 12 are combined, the information processing related to the present system may be realized by a programmable logic device that can change the hardware circuitry itself, or a dedicated circuit in which the information processing to be performed is predetermined.

The input device 13 is used to input information, but may have other functions. Examples of the input device 14 include a keyboard, a mouse, a touch panel, or a pen-type pointing device.

The display device 14 has a function of displaying information. Examples include a liquid crystal display, a plasma display, and an organic EL display, but in short, any device that can display information will do. In addition, an input device 13 such as a touch panel may be included in part of the display device 14.

The information processing device 10 may be a general-purpose electronic computer or a dedicated electronic computer. The information processing device 10 may also be a workstation, a desktop computer, a laptop computer, a notebook computer, a PDA, a mobile phone, a smartphone, etc.

The invention examples described in the examples of this application document are not limited to those described in this application document, and needless to say, can be applied to various examples within the scope of the technical concept.

The processes and procedures described in this application document may be realizable not only by those explicitly described in the embodiments, but also by software, hardware, or a combination of these. The processes and procedures described in this application document may be implemented as computer programs and executed by various computers. These computer programs may be stored in a storage medium. These computer programs may be stored in a non-transient or temporary storage medium.

10 Information processing device 11 Arithmetic device 12 Storage device 13 Input device 14 Display device

Claims (19)

an acquisition unit that acquires, directly or indirectly, via a network, insurance application information including applicant information for identifying an applicant for insurance and information for identifying a flat-rate insurance product to be applied for, from any one of the plurality of distributed WEB servers;
a refund information generating unit that generates refund information based on the insurance application information;
A system comprising:
The refund information generation unit
the surplus amount for each block according to the age group of the insured and/or the gender of the insured;
A dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount;
The total amount of dividends to the insured is calculated by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate.
the dividend to be distributed to each of the insured persons, which is the total amount of the dividend to the insured persons for each block divided by the number of insured persons at the end of the period for each block;
Generate the refund information based on the
A system related to insurance companies. an acquisition unit that acquires, directly or indirectly, via a network, insurance application information including applicant information for identifying an applicant for insurance and information for identifying a flat-rate insurance product to be applied for, from any one of the plurality of distributed WEB servers;
a refund information generating unit that generates refund information based on the insurance application information;
A system comprising:
The refund information generation unit
Calculating the surplus amount for each block according to the age group of the insured and/or the sex of the insured;
Calculating a dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount,
Calculate the total amount of dividends to be paid to the insured, which is the figure obtained by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate;
Calculating the dividend to be distributed to each of the insured persons, which is the value obtained by dividing the total amount of dividends to the insured persons for each block by the number of insured persons at the end of the period for each block;
Generate the refund information using the dividend.
A system related to insurance companies. The refund information generating unit generates refund information for each insured person .
3. A system according to claim 1 or 2. Equipped with memory,
A system according to any one of claims 1 to 3. A computing device is provided.
A system according to any one of claims 1 to 4. A CPU is provided.
The system of claim 1 . A processor is provided.
The system of claim 2. Systems related to insurance companies
an acquisition means for acquiring, directly or indirectly, insurance application information including applicant information for identifying an applicant for insurance and information for identifying a fixed-fee insurance product to be applied for, from any one of the plurality of distributed WEB servers via a network;
A refund information generating means for generating refund information based on the insurance application information;
It is a program to function as
The refund information generating means
the surplus amount for each block according to the age group of the insured and/or the gender of the insured;
A dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount;
The total amount of dividends to the insured is calculated by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate.
the dividend to be distributed to each of the insured persons, which is a value obtained by dividing the total amount of the dividend to the insured persons for each block by the number of insured persons at the end of the period for each block;
Generate the refund information based on the
program. Systems related to insurance companies
an acquisition means for acquiring, directly or indirectly, insurance application information including applicant information for identifying an applicant for insurance and information for identifying a fixed-fee insurance product to be applied for, from any one of the plurality of distributed WEB servers via a network;
A refund information generating means for generating refund information based on the insurance application information;
It is a program to function as
The refund information generating means
Calculating the surplus amount for each block according to the age group of the insured and/or the sex of the insured;
Calculating a dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount,
Calculate the total amount of dividends to be paid to the insured, which is the figure obtained by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate;
Calculating the dividend to be distributed to each of the insured persons, which is the value obtained by dividing the total amount of dividends to the insured persons for each block by the number of insured persons at the end of the period for each block;
means for generating the refund information using the dividend;
program. The insurance company system includes a memory.
The program according to claim 8 or 9. The system for the insurance company includes a computing device.
The program according to any one of claims 8 to 10. The system for the insurance company includes a CPU.
The program according to claim 8. The system for the insurance company includes a processor.
The program according to claim 9. The system related to insurance companies
an acquisition step of acquiring, directly or indirectly, insurance application information including applicant information for identifying an applicant for insurance and information for identifying a flat-rate insurance product to be applied for, from any one of the plurality of distributed WEB servers via a network;
a refund information generating step of generating refund information based on the insurance application information;
A method for performing
The refund information generating step includes:
the surplus amount for each block according to the age group of the insured and/or the gender of the insured;
A dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount;
The total amount of dividends to the insured is calculated by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate.
the dividend to be distributed to each of the insured persons, which is the total amount of the dividend to the insured persons for each block divided by the number of insured persons at the end of the period for each block;
generating the refund information based on the
method. The system related to insurance companies
an acquisition step of acquiring, directly or indirectly via a network, insurance application information including applicant information identifying an applicant for insurance and information identifying a flat-rate insurance product to be applied for, from any one of the plurality of distributed WEB servers;
a refund information generating step of generating refund information based on the insurance application information;
A method for performing
The refund information generating step includes:
Calculating the surplus amount for each block according to the age group of the insured and/or the sex of the insured;
Calculating a dividend distribution ratio, which is a ratio of the surplus amount for each block to the total surplus amount calculated using the surplus amount,
Calculate the total amount of dividends to be paid to the insured, which is the figure obtained by multiplying the total amount of dividends to be paid to the insured by the dividend distribution rate;
Calculating the dividend to be distributed to each of the insured persons, which is the value obtained by dividing the total amount of dividends to the insured persons for each block by the number of insured persons at the end of the period for each block;
generating the refund information using the dividend;
method. The insurance company system includes a memory.
16. The method according to any one of claims 14 or 15. The system for the insurance company includes a computing device.
17. The method according to any one of claims 14 to 16. The system for the insurance company includes a CPU.
The method of claim 14. The system for the insurance company includes a processor.
The method of claim 15.

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