JP2015082228A - Insurance presentation system, method, and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To present an insurance to be provided to customers by a rational insurance premium according to a situation that may cause a trouble on normal operation of an aircraft in the insurance, when a trouble occurs in the normal operation of the aircraft, for compensating loss that customers may suffer.SOLUTION: When receiving an input of variation information, an identification processing unit 11 identifies an aircraft related to the variation information. In response thereto, a basic premium of the identified aircraft and a variable corresponding to the variation information are extracted from an insurance information storage unit 1C and a variable storage unit 1D respectively. When a calculation processing unit 13 calculates the premium, the calculated premium is updated and registered. The premium is updated continuously in response to the reception of the variation information and, when receiving an input of an application for the insurance from a customer, presents the premium in the application for the insurance, to the customer.

Description

  The present invention is insurance for compensating for damages caused by customers in the event that the normal operation of the aircraft is hindered, and is based on information that may interfere with the normal operation of the aircraft. , Technology for presenting insurance to customers with reasonable insurance premiums.

Recently, airline companies based on a full-scale low-cost carrier (LCC) business model in Japan have entered the market one after another.
LCC has gained public recognition and recognition for providing air fare at an innovative low price by increasing the availability of equipment. However, at the same time, the following issues are highlighted and attracting great interest among users including potential customers.

First, in LCC, if a diagram is disrupted for reasons such as equipment or maintenance, the impact on other diagrams is large.
In addition, because of the low price, there are few or no guarantees of expenses in the event of irregularities such as cancellations, alternative means of transportation, and accommodation costs.

  In this regard, for example, Patent Document 1 has a database that stores travel insurance information of travel insurance that can be contracted, and is attached to the traveler's credit card information for insurance in preparation for unforeseen circumstances in travel. A system is described in which travel insurance information to be provided to a traveler is retrieved from a database based on the insurance contents and travel information related to the traveler's travel.

JP 2003-108768 A

As represented by the above-mentioned Patent Document 1, several systems related to travel insurance can be seen.
However, there has been no insurance that compensates customers for damage caused by aircraft schedule disturbances and provides reasonable fee insurance according to various circumstances that cause aircraft schedule disturbances.

Therefore, the present invention is insurance for compensating for damages incurred by the customer in the event of trouble in the normal operation of the aircraft, and is reasonable according to the circumstances that may impede the normal operation of the aircraft. The purpose is to present the insurance provided by the premium to the customer.
At the same time, when insurance is applied to a customer, the purpose is to automatically inform the customer of an alternative flight for the aircraft that was scheduled to be boarded.

  In order to achieve the above objective, insurance that compensates customers for damage due to aircraft cancellation or delay, based on basic insurance premiums set according to predetermined fixed condition information and fluctuation information that may cause aircraft cancellation or delay An insurance information storage means for storing information on the basic insurance premium and the insurance premium to be presented to the customer for each aircraft, and the fluctuation information. A variable storage means for storing a variable for calculating the insurance premium, an operation information storage means for storing information relating to an operation schedule of the aircraft, a fluctuation information reception means for receiving input of the fluctuation information, and First identification processing means for identifying the aircraft to which the fluctuation information relates according to a predetermined condition with reference to the flight information storage means based on the fluctuation information Referring to the insurance information storage means, the first extraction processing means for extracting the basic insurance premium for the identified aircraft and the variable storage means are used to extract a variable corresponding to the variation information. Refer to the second extraction processing means, the first calculation processing means for calculating the insurance premium based on the extracted basic insurance premium and the variable, and the insurance information storage means, and calculate the insurance premium. Update processing means for updating the insurance premium, application acceptance means for accepting input of the insurance application from the customer, together with aircraft information scheduled for boarding, and the insurance information storage means with reference to the insurance information storage means. Based on aircraft information, the third extraction processing means for extracting the insurance premium at the time of enrollment application, and the insurance premium of the insurance that accepted the enrollment application to the customer, the extracted insurance premium on a predetermined terminal In It characterized by having a a premium presenting means for presenting to the force.

  In addition, for each aircraft, reservation information storage means for storing reservation information, information on a customer who applied for the insurance, application information storage means for storing information relating to an aircraft on which the customer is scheduled to board, and When an aircraft is canceled or delayed, apply for the insurance from the specified terminal, and enter the application for insurance application for the customer along with the customer information of the customer who was scheduled to board the canceled or delayed aircraft. The application receiving means for receiving, the second specifying processing means for specifying the aircraft on which the customer was scheduled to board based on the received customer information, with reference to the application information storing means, and the operation information storing means Referring to the search processing means for searching for an alternative flight of the identified aircraft and the reservation information storage means, the search result is found. A substitute processing means for determining whether there are vacant seats for the alternative flights, and the alternative flights to be offered to customers who have applied for the insurance by applying a discount fee according to the insurance contents to the fares of the alternative flights The second calculation processing means for calculating the fare for the passenger and the customer who applied for the insurance and was scheduled to board the canceled or delayed aircraft if there is a vacant seat as a result of the determination, In addition to the guidance, an alternative flight guidance unit that outputs the calculated fare of the alternative flight on a predetermined terminal may be further included.

  Further, it is configured to be communicable with a customer terminal used by the customer via a network, and for each aircraft, reservation information storage means for storing reservation information, information about the customer who applied for the insurance, and the customer Application information storage means for associating and storing information relating to the aircraft to be boarded, and when the aircraft is canceled or delayed, the application information storage means is referred to, the insurance is applied, and the canceled or delayed aircraft A search for an alternative flight of the identified aircraft with reference to the customer who was scheduled to board the aircraft, the second identification processing means for identifying the aircraft that the customer was scheduled to board, and the operation information storage means A processing unit, a discrimination processing unit that refers to the reservation information storage unit, determines whether there is a vacant seat of the alternative flight discovered as a result of the search, and A second calculation processing means for calculating a fare for an alternative flight to be offered to a customer who applied for the insurance by applying a discount fee according to the insurance content to the fare, and as a result of the determination, If there is a flight, apply for the insurance and send the information about the calculated alternative flight fare along with the alternative flight guidance to the customer terminal of the customer who was scheduled to board the canceled or delayed aircraft. Alternative flight guidance means may be further included.

  The fluctuation information may include weather information of a departure or arrival place, or delay / cancellation information of other flights.

  The insurance presenting method according to another aspect of the present invention is an insurance that compensates for customer's damage due to aircraft cancellation or delay, and the basic insurance premium set according to the predetermined fixed condition information and the aircraft cancellation or A method of presenting insurance of insurance premiums calculated based on variable information that may cause delay to a customer, and storing information on the basic insurance premium and insurance premiums presented to the customer for each aircraft By means of a computer having information storage means, variable storage means for storing a variable for calculating the insurance premium for each variation information, and operation information storage means for storing information relating to the operation schedule of the aircraft, Based on the process of accepting the input of fluctuation information and the fluctuation information, the navigation information storage means is referred to and the navigation information related to the fluctuation information according to a predetermined condition. A process for identifying the aircraft, a process for extracting the basic premium for the identified aircraft with reference to the insurance information storage means, and a variable according to the variation information with reference to the variable storage means A process for calculating the premium based on the extracted basic premium and the variable, a process for updating the premium to the calculated premium with reference to the insurance information storage means, The process of accepting the input of the insurance application from the customer together with the aircraft information scheduled for boarding, and referring to the insurance information storage means, extracts the insurance premium at the time of application based on the aircraft information scheduled for boarding And processing for outputting and presenting the extracted insurance premium on a predetermined terminal as the insurance premium of the insurance for which the subscription application has been received.

  According to still another aspect of the present invention, there is provided a computer program that compensates for a customer's damage due to an aircraft cancellation or delay, and a basic insurance premium set according to predetermined fixed condition information and an aircraft cancellation or A program for presenting insurance of insurance premiums calculated on the basis of variable information that may cause delays to store information on the basic insurance premium and insurance premiums presented to the customer for each aircraft. A computer having: insurance information storage means; variable storage means for storing a variable for calculating the insurance premium for each variation information; and operation information storage means for storing information relating to the operation schedule of the aircraft. On the other hand, referring to the operation information storage means based on the processing for receiving the input of the fluctuation information and the fluctuation information, A process for identifying the aircraft to which the variation information relates, a process for extracting a basic premium for the identified aircraft with reference to the insurance information storage means, and a variable storage means for referring to the fluctuation A process of extracting a variable according to information, a process of calculating the insurance premium based on the extracted basic insurance premium and the variable, and referring to the insurance information storage means, the insurance premium is calculated based on the calculated insurance premium. A process of updating to a fee, a process of accepting input of the insurance application from the customer along with the aircraft information scheduled to board, and a reference based on the aircraft information scheduled to board with reference to the insurance information storage means A process of extracting the insurance premium at the time of application, and a process of outputting and presenting the extracted insurance premium on a predetermined terminal as an insurance premium of the insurance that has accepted the subscription application to the customer. To row.

According to the present invention, it is possible to provide the customer with insurance for compensating for damages caused by the customer when the normal operation of the aircraft is hindered. It can be rational according to the circumstances that may impede operation.
In addition, when insurance is applied to a customer, the customer can be automatically informed of the alternative flight of the aircraft that was scheduled to board.

It is the functional block diagram which showed the function part with which the insurance presentation system which concerns on embodiment of this invention is provided. According to this embodiment. It is the figure which showed an example of the data memorize | stored in an operation information storage part in an insurance presentation system. It is the figure which showed an example of the data memorize | stored in the reservation information storage part in the insurance presentation system which concerns on this embodiment. It is the figure which showed an example of the data memorize | stored in an insurance information storage part in the insurance presentation system which concerns on this embodiment. It is the figure which showed an example of the data memorize | stored in a variable memory | storage part in the insurance presentation system which concerns on this embodiment. In the insurance presentation system which concerns on this embodiment, it is the figure which showed an example of the data memorize | stored in an application information storage part. It is a processing flow figure showing a flow of processing until insurance premium is updated after receiving variation information among a series of processing flows by the insurance presentation system concerning this embodiment. It is a processing flow figure showing a flow of processing from receiving a subscription application for insurance from a customer to registration of the application in a series of processing flows by the insurance presentation system according to the present embodiment. Of the series of processing flows by the insurance presentation system according to the present embodiment, a processing flow diagram showing a processing flow from receiving an application for insurance application from a customer to guiding an alternative flight to the customer. is there. Among a series of processing flows by the insurance presentation system according to another embodiment of the present invention, when a situation where insurance can be applied to a predetermined aircraft occurs, to a customer who is eligible for the insurance It is the processing flowchart which showed the flow of the process until it guides an alternative flight.

Hereinafter, an insurance presentation system according to an embodiment of the present invention will be described with reference to the drawings.
The insurance presenting system according to the present embodiment is an insurance that compensates for customer damage due to aircraft cancellation or delay, and includes basic insurance premiums set according to predetermined fixed condition information and fluctuations that may cause aircraft cancellation or delay. The insurance premium calculated based on the information is presented to the customer.

  Here, the fluctuation information in the present embodiment is information related to an event that prevents the aircraft from operating on a schedule. For example, in addition to weather information at airports throughout the country, information on delays and cancellations of other aircraft is included, and information that can affect the operation of aircraft in accordance with preset schedules is included. Yes.

In the insurance presenting system, as shown in FIG. 1, for receiving information from the center server 1 responsible for processing and managing information and the customer who is the subject of insurance, and for providing various information to the customer The user terminal 2 is configured to be communicable via the network NW.
The network NW includes a public line such as the Internet, a LAN (Local Area Network), and the like.

The center server 1 is installed under a system operator or the like, and exchanges information with a plurality of user terminals 2.
The center server 1 includes an operation information storage unit 1A, a reservation information storage unit 1B, insurance information by a calculation device such as a CPU (Central Processing Unit), a storage device such as a RAM (Random Access Memory), and a ROM (Read Only Memory). Storage unit 1C, variable storage unit 1D, application information storage unit 1E, identification processing unit 11, extraction processing unit 12, calculation processing unit 13, update processing unit 14, search processing unit 15, discrimination processing unit 16, and communication processing unit 17 The functional block consisting of

The operation information storage unit 1 </ b> A is a storage unit that stores information related to an aircraft operation schedule.
For example, as shown in FIG. 2, information related to a departure / arrival place and a departure / arrival date and time are associated and stored in the navigation information storage unit 1 </ b> A for each aircraft ID that identifies the aircraft.
By referring to the flight information storage unit 1A, it is possible to grasp the flight schedule of a predetermined aircraft in detail.

The reservation information storage unit 1B is a storage unit that stores customer reservation information for each aircraft.
For example, as shown in FIG. 3, the reservation information storage unit 1B stores information related to the seat reservation status for each aircraft ID for identifying an aircraft.
The information related to the reservation status includes information regarding the presence / absence of a reservation for each seat in the aircraft and the reservation person.

The insurance information storage unit 1 </ b> C is a storage unit that stores basic insurance premiums and information related to insurance premiums presented to customers for each aircraft.
In the insurance information storage unit 1C, for example, as shown in FIG. 4, for each insurance ID for identifying the insurance for each plan, the insurance premium calculated from the insurance basic fee and the basic fee according to the predetermined variation information , And the contents of insurance are stored in association with each other.
By referring to the insurance information storage unit 1C, it is possible to grasp the contents of the insurance presented to the customer in addition to the basic fee necessary for calculating the insurance premium.

The basic insurance fee is set in advance based on predetermined fixed conditions.
The fixed condition referred to here is a condition in which a large situation or state change hardly occurs in the short term and can be indicated as a fixed index in the medium to long term. Specifically, airport infrastructure information such as regional characteristics such as the culture of the departure and arrival, economic indicators such as currency, domestic and international flights, past operation results, congestion of airports used as departure and arrival points and number of runways, This includes questionnaire information from customers and the average number of insurance subscribers.
Since this fixed condition can also change in the medium to long term, the basic fee may be changed when there is a change. Moreover, the above-described fixed conditions can be configured as fixed conditions or variable information depending on items, and may be arbitrarily set according to the specifications of the system.

  In addition, information related to the contents of insurance includes information on compensation contents such as insurance application conditions, payment amount when insurance is applied, or discounts on usage fees for alternative flights when insurance is applied, etc. Is included.

The variable storage unit 1D is a storage unit that stores a variable for calculating an insurance premium for each variation information.
For example, as shown in FIG. 5, the variable storage unit 1D stores a variable for calculating the insurance premium by multiplying the basic insurance premium for each piece of fluctuation information. Finely set according to the content.

The application information storage unit 1E is a storage unit that stores information related to a customer who has applied for insurance and information related to an aircraft that the customer plans to board.
In this application information storage unit 1E, for example, as shown in FIG. 6, for each application ID for identifying an insurance application, applicant information relating to an applicant who is an application for insurance and information relating to application contents are stored. Remembered.
The information related to the application content includes an aircraft ID that identifies an aircraft that the customer who applied for insurance plans to board, and an insurance ID that identifies the insurance that the customer actually applied for.

  The identification processing unit 11 refers to the operation information storage unit 1A based on the variation information received from the outside, identifies the aircraft related to the variation information according to predetermined conditions, and applies insurance from the customer who applied for insurance. When the application is accepted, the application information storage unit 1E is referred to based on the customer information of the customer, and the process of identifying the aircraft that the customer was scheduled to board is executed.

The process of identifying an aircraft is a process of identifying an aircraft that may be affected by the variation information when new variation information is received.
Here, as described above, the fluctuation information includes, for example, information that can affect the operation of the aircraft in accordance with a preset schedule, such as weather information of airports throughout the country and information on delays and cancellations of aircraft. include.
Whether or not the variation information is related to a predetermined aircraft is determined by, for example, information on the arrival and departure date and time of the predetermined aircraft and corresponding items such as the arrival and departure date and time information included in the variation information. Judgment is made by comparison. More specifically, when the fluctuation information includes bad weather information at a predetermined airport, it is determined that the fluctuation information is related to an aircraft scheduled to depart from the predetermined airport.

  In addition, the process of identifying the aircraft that the customer was scheduled to board is performed when the customer cancels or delays the specified aircraft and receives an application for insurance from the customer who is scheduled to board the aircraft. This process identifies the aircraft that was scheduled to board. Based on the information obtained by this processing, it is possible to search for an alternative flight that substitutes for a canceled or delayed aircraft for a customer who has applied for insurance.

  The extraction processing unit 12 refers to the insurance information storage unit 1C and refers to the variable storage unit 1D, which extracts the basic insurance premium for the aircraft identified by the identification processing unit 11 as related to the variation information. The process of extracting the variable according to the fluctuation information and the process of extracting the insurance premium at the time of applying for the insurance based on the aircraft information of the customer's boarding schedule with reference to the insurance information storage unit 1C .

  The process of extracting basic insurance premiums and variables is executed to calculate insurance premiums reflecting the fluctuation information when the fluctuation information is received from the outside.

  Further, the process of extracting the insurance premium at the time of applying for insurance is a process executed when an input of the insurance application is received from the customer together with the aircraft information scheduled to be boarded. Since the insurance premium is changed as needed according to the fluctuation information, the insurance premium corresponding to the situation at that time can be presented to the customer by extracting the insurance premium at the time of enrollment application.

  The calculation processing unit 13 applies a discount fee according to the insurance contents to the processing for calculating the insurance premium based on the basic insurance premium and the variable extracted by the extraction processing unit 12 and the fare of the alternative flight, And processing for calculating a fare for an alternative flight to be presented to a customer who has applied for insurance.

The process of calculating the insurance premium is executed by multiplying the basic insurance premium by a variable set in advance according to the fluctuation information.
In addition, in the process of calculating the fare for an alternative flight to be presented to the customer, the fare is for the case where insurance is applied, and it is determined in advance as the insurance content of the applicable insurance from the regular fare for the alternative flight. It is calculated by discounting the discounted price.

  The update processing unit 14 calculates the insurance premium stored in the insurance information storage unit 1C when the calculation processing unit 13 newly calculates the insurance premium for the predetermined insurance according to the newly accepted variation information. Execute the process to update.

The search processing unit 15 receives an application for insurance application from a customer who has applied for insurance, and refers to the operation information storage unit 1A when the specific processing unit 11 specifies that the customer is scheduled to board the aircraft. The process of searching for an alternative flight of the aircraft is executed.
In this alternative flight search process, based on the information of the aircraft that the customer who applied for insurance is scheduled to board, the search destination is the aircraft after the departure date and time of the same departure and arrival aircraft. To search for the corresponding aircraft.

  The discrimination processing unit 16 refers to the reservation information storage unit 1B, and executes a process of discriminating whether there is a vacant seat of an alternative flight discovered as a result of the search by the search processing unit 15.

The communication processing unit 17 is a processing unit that executes data transmission / reception processing according to a predetermined protocol with the user terminal 2 via the network NW.
With this communication processing unit 17, various data can be received from the user terminal 2, and conversely, various data can be transmitted to the user terminal 2.

The user terminal 2 is a terminal for accepting information from a customer who is a target of insurance or a customer who has joined the insurance, and for providing various information to the customer. For example, the user terminal 2 is operated by an airline staff. It is configured as a terminal or a terminal for a customer to perform boarding procedures. When configured as such a terminal, a plurality of user terminals 2 are usually installed in an airport.
Moreover, the user terminal 2 can also be comprised by the tablet terminal, a mobile telephone, etc. which a customer possesses.

  The user terminal 2 is a functional block including a communication processing unit 21 and an input / output processing unit 22 by a calculation device such as a CPU (Central Processing Unit) and a storage device such as a RAM (Random Access Memory) and a ROM (Read Only Memory). Configure.

The communication processing unit 21 is a processing unit that executes data transmission / reception processing according to a predetermined protocol with the center server 1 via the network NW.
With this communication processing unit 21, various data can be received from the center server 1, and conversely, various data can be transmitted to the center server 1.

  The input / output processing unit 22 is realized by an input unit such as a keyboard or a touch panel that receives input of various types of data, and an output unit such as a display that outputs various types of data.

Hereinafter, the flow of processing by the insurance presentation system according to the present embodiment will be described with reference to FIGS.
First, with reference to FIG. 7, the process from the time when the variation information is received until the insurance premium is updated in the center server 1 will be described.
First, input of variation information is accepted as information that may interfere with normal operation of the aircraft, such as worsening weather or cancellation (S101).
The fluctuation information input reception may be received from a predetermined server or the like that distributes the fluctuation information via a network such as the Internet, or the fluctuation information obtained from the outside may be directly received by the administrator or the like to the center server 1. , May be input.

When the input of the fluctuation information is accepted, the aircraft related to the fluctuation information is specified (S102).
In this process, the identification processing unit 11 identifies an aircraft related to the variation information according to a predetermined condition with reference to the operation information storage unit 1A based on the variation information.
Here, the predetermined condition is configured in advance as a coincidence of aircraft departure / arrival points, a fixed time from the arrival / departure date, and the like.

In response to this, the extraction processing unit 12 refers to the insurance information storage unit 1C and extracts the basic insurance premium for the aircraft specified by the specification processing unit 11 (S103).
Further, the extraction processing unit 12 refers to the variable storage unit 1D based on the variation information, and extracts a variable corresponding to the variation information (S104).

When the basic insurance premiums and variables are extracted and the numerical values necessary for calculating the fluctuation information are obtained, the calculation processing unit 13 multiplies the basic insurance premiums by the variables to calculate the insurance premiums (S105).
When the insurance premium reflecting the newly received variation information is calculated, the update processing unit 14 refers to the insurance information storage unit 1C and updates the insurance premium to the calculated insurance premium (S106).

  Through the above processing, the insurance premium is updated as needed according to the fluctuation information, and the appropriate insurance premium according to the situation at that time can be grasped.

Next, a process for receiving an insurance application from a customer who uses an aircraft and registering the application will be described with reference to FIG.
First, an input for insurance application is accepted from the user terminal 2 (S201).

In response to the subscription application, the extraction processing unit 12 refers to the insurance information storage unit 1C, and extracts information on the insurance premium and insurance content of the insurance for which the subscription application has been received (S202).
Then, the insurance is presented together with the insurance premium via the user terminal 2 (S203).

When an insurance application agreement is received from an applicant who is convinced of the insurance premium and the insurance content, the application is registered in the application information storage unit 1E. Issued and stored in association with the application ID, the applicant information related to the applicant who has applied for insurance and the information related to the application contents. The information related to the application content includes an aircraft ID that identifies an aircraft that the customer who applied for insurance plans to board, and an insurance ID that identifies the insurance that the customer actually applied for.

Following this, the processing when an application for insurance application is received from a customer who is the applicant for insurance will be described with reference to FIG. 9. First, the customer who is applying for insurance canceled the aircraft that was scheduled to board When an event that can be applied for insurance, such as a delay or a delay, occurs, the center server 1 receives an input of an insurance application from the customer who is an insurance applicant through the user terminal 2 together with information on the customer ( S301).

In response to this, the identification processing unit 11 refers to the application information storage unit 1E and identifies the aircraft on which the customer was scheduled to board based on the applicant information received from the customer (S302).
When the aircraft on which the customer is scheduled to board is specified, the search processing unit 15 refers to the operation information storage unit 1A and searches for an alternative flight of the specified aircraft (S303).

  In the process of searching for an alternative flight of the aircraft that the customer was scheduled to board, the flight information storage unit 1A is referred to by the search processing unit 15, and the same departure / arrival point as the aircraft on which the customer who applied for insurance application was scheduled to board The aircraft that matches the search condition is searched for as an alternative flight using the aircraft after the departure date and time of the aircraft that was scheduled to be boarded as the search condition.

  If an alternative flight that can be guided to the customer is not found as a result of the search for an alternative flight, a message is sent to the customer that there is no alternative flight that can be guided to the customer, and a fee determined in advance according to the insurance policy is refunded. Thus, a series of processing ends (S304).

  On the other hand, if an alternative flight is found as a result of searching for an alternative flight, the determination processing unit 16 refers to the reservation information storage unit 1B, and determines whether there is a vacant seat of the alternative flight found as a result of the search. (S305).

  If there is no vacant seat for an alternative flight, a message is sent to the customer that there is no alternative flight that can be guided to the customer, and a set fee is refunded in accordance with the contents of the insurance. S304).

On the other hand, if the vacant seat is found as a result of searching for the vacant seat of the alternative flight, the calculation processing unit 13 calculates the fare of the alternative flight when insurance is applied (S306).
In this process, the insurance information storage unit 1C is referred to, and information related to the discount rate that is predetermined as the insurance content of the applied insurance is extracted, and the discount fee is discounted from the regular fee of the alternative flight. Calculated.

When the fare of the alternative flight when insurance is applied is calculated, information on the calculated fare of the alternative flight is transmitted to the user terminal 2 together with the guidance of the alternative flight, and these information are displayed on the user terminal 2 Information is output (S307).
Thereby, when the customer desires to change to the guided alternative flight, the purchase of an alternative flight ticket, boarding procedures, etc. are executed.

According to the insurance presenting system according to the present embodiment described above, it is possible to present the insurance with a reasonable insurance premium to the customer in the situation at that time, reflecting the change in the event that affects the normal operation of the aircraft. .
In addition, when insurance is applied to a customer, it is convenient because an alternative flight can be automatically guided.

Next, an insurance presentation system according to another embodiment of the present invention will be described.
In the insurance presentation system according to the present embodiment, when an event that interferes with the normal operation of an aircraft occurs and it becomes possible to apply for a predetermined insurance, The system operator will provide guidance on alternative flights for the aircraft that the customer was scheduled to board.

The insurance presenting system according to the present embodiment has the same system configuration as the above-described insurance presenting system. On the other hand, when the situation is applicable to a predetermined insurance, the specific processing unit 11 further includes the application information storage unit 1E. To identify the insurance applicant who has reached the applicable situation.
Then, to the user terminal 2 possessed by the customer as the specified applicant, a guide for an alternative flight is transmitted together with the fact that the insurance that has been subscribed is applied.

A specific processing flow will be described with reference to FIG.
First, when an event that can be applied for insurance, such as cancellation or delay, occurs on an aircraft that the customer who is applying for insurance is scheduled to board, and the situation becomes applicable to the predetermined insurance (S401), the center server 1, the identification processing unit 11 refers to the application information storage unit 1 </ b> E to identify a customer who is an insurance applicant who has reached the applicable situation (S <b> 402).

Further, the identification processing unit 11 refers to the application information storage unit 1E, and identifies the aircraft on which the identified customer was scheduled to board based on the applicant information received from the identified customer (S403).
When the aircraft that the customer is scheduled to board is specified, the search processing unit 15 refers to the operation information storage unit 1A and searches for an alternative flight of the specified aircraft (S404).
Note that the search processing unit 15 performs the process of searching for an alternative flight of the aircraft that the customer is scheduled to board.

  If no alternative flights that can be guided to the customer are found as a result of searching for alternative flights, a message that insurance is applicable and a message that there are no alternative flights that can be guided are sent to the customer terminal 2 of the customer. After that, the fee determined in advance according to the contents of the insurance is refunded, and the series of processing is terminated (S405).

  On the other hand, if an alternative flight is found as a result of searching for an alternative flight, the determination processing unit 16 refers to the reservation information storage unit 1B, and determines whether there is a vacant seat of the alternative flight found as a result of the search. (S406).

  If there are no vacant seats for the alternative flights, send a message to the customer's terminal 2 of the customer that the insurance is applicable and that there are no alternative flights that can be guided to the customer's insurance contents in advance. Therefore, the set fee is refunded and the series of processing is terminated (S405).

On the other hand, if a vacant seat is found as a result of searching for a vacant seat of an alternative flight, the calculation processing unit 13 calculates the fare of the alternative flight when insurance is applied (S407).
In this process, as described above, the insurance information storage unit 1C is referred to, and information related to the discount fee that is predetermined as the insurance content of the applied insurance is extracted, and the discount fee is calculated from the regular fee of the alternative flight. Calculated by discounting.

  When the fare for an alternative flight when insurance is applied is calculated, the fact that the insurance is applicable to the user terminal 2 and the fact that the insurance is applicable, and the guidance for the alternative flight, Information related to the calculated fare of the alternative flight is transmitted, and the information is output on the user terminal 2 (S408).

  According to the present embodiment, it is convenient because the customer is automatically guided without knowing whether or not a situation where insurance is applied has occurred.

  In the embodiment of the present invention described above, when insurance is applied, the customer is informed of the alternative flight of the aircraft. However, other alternative means such as an accommodation facility near the airport are provided. It can also be presented to the customer.

DESCRIPTION OF SYMBOLS 1 Center server 1A Operation information storage part 1B Reservation information storage part 1C Insurance information storage part 1D Variable storage part 1E Application information storage part 11 Specific process part 12 Extraction process part 13 Calculation process part 14 Update process part 15 Search process part 16 Discriminant process Unit 17 Communication processing unit 2 User terminal 21 Communication processing unit 22 Input / output processing unit NW network

Claims (6)

Insurance that compensates customers for damages due to aircraft cancellation or delay, and is calculated based on basic insurance premiums set according to predetermined fixed condition information and variable information that may cause aircraft cancellation or delays. A system for presenting insurance to customers,
Insurance information storage means for storing information on the basic premium and the insurance premium to be presented to the customer for each aircraft;
Variable storage means for storing a variable for calculating the insurance premium for each of the variation information;
Operation information storage means for storing information relating to the operation schedule of the aircraft;
Fluctuation information receiving means for receiving the input of the fluctuation information;
Based on the fluctuation information, referring to the flight information storage means, a first identification processing means for identifying an aircraft to which the fluctuation information relates according to a predetermined condition;
Referring to the insurance information storage means, a first extraction processing means for extracting a basic premium for the identified aircraft;
Referring to the variable storage means, a second extraction processing means for extracting a variable according to the variation information;
A first calculation processing means for calculating the premium based on the extracted basic premium and the variable;
An update processing means for updating the premium to the calculated premium with reference to the insurance information storage means;
Application accepting means for receiving input of the insurance application together with the aircraft information scheduled to be boarded from the customer;
Referring to the insurance information storage means, a third extraction processing means for extracting an insurance premium at the time of enrollment based on the aircraft information scheduled to board;
Insurance premium presentation means for outputting and presenting the extracted insurance premium on a predetermined terminal as the insurance premium of the insurance for which the subscription application has been accepted for the customer,
An insurance presentation system characterized by that. Reservation information storage means for storing reservation information for each aircraft,
Application information storage means for storing information relating to the customer who applied for the insurance and information relating to the aircraft on which the customer is scheduled to board;
When the aircraft is canceled or delayed, apply for the insurance from the specified terminal, and input the application for insurance application for the customer along with the customer information of the customer who was scheduled to board the canceled or delayed aircraft Application acceptance means for accepting,
Referring to the application information storage means, based on the received customer information, a second identification processing means for identifying the aircraft on which the customer was scheduled to board;
Search processing means for searching for alternative flights of the identified aircraft with reference to the flight information storage means;
With reference to the reservation information storage means, a discrimination processing means for discriminating whether or not there is a vacant seat of an alternative flight discovered as a result of the search
A second calculation processing means for calculating a fare for an alternative flight to be presented to a customer who applied for the insurance by applying a discount fee according to the contents of the insurance to the fare for the alternative flight;
If there is a vacancy as a result of the above determination, the above insurance is applied to the customer who has applied for the insurance and is scheduled to board the canceled or delayed aircraft. Alternative flight guidance means for outputting on the terminal,
The insurance presentation system according to claim 1. It is configured to be able to communicate with the customer terminal used by the customer via a network,
Reservation information storage means for storing reservation information for each aircraft,
Application information storage means for storing information relating to the customer who applied for the insurance and information relating to the aircraft on which the customer is scheduled to board;
When the aircraft is canceled or delayed, refer to the application information storage means, apply for the insurance, and the customer who was scheduled to board the canceled or delayed aircraft and the aircraft that the customer was scheduled to board A second specific processing means for specifying
Search processing means for searching for alternative flights of the identified aircraft with reference to the flight information storage means;
With reference to the reservation information storage means, a discrimination processing means for discriminating whether or not there is a vacant seat of an alternative flight discovered as a result of the search
A second calculation processing means for calculating a fare for an alternative flight to be presented to a customer who applied for the insurance by applying a discount fee according to the contents of the insurance to the fare for the alternative flight;
If there is a vacant seat as a result of the above determination, the above insurance is applied and the above calculated calculated fare for the customer's customer terminal that was scheduled to board the canceled or delayed aircraft is provided. An alternative flight guidance means for transmitting the information relating to
The insurance premium presentation system according to claim 1. The above fluctuation information includes weather information of departure or arrival, or delay / cancellation information of other flights.
The insurance presentation system according to any one of claims 1 to 3. Insurance that compensates customers for damages due to aircraft cancellation or delay, and is calculated based on basic insurance premiums set according to predetermined fixed condition information and variable information that may cause aircraft cancellation or delays. A method of presenting insurance to a customer,
Insurance information storage means for storing information on the basic premium and the insurance premium to be presented to the customer for each aircraft;
Variable storage means for storing a variable for calculating the insurance premium for each of the variation information;
An operation information storage means for storing information relating to the operation schedule of the aircraft,
A process of accepting the input of the fluctuation information;
Based on the fluctuation information, referring to the flight information storage means, a process for identifying the aircraft to which the fluctuation information relates according to a predetermined condition;
With reference to the insurance information storage means, a process for extracting the basic insurance premium for the identified aircraft,
A process of referring to the variable storage means and extracting a variable according to the variation information;
Processing for calculating the premium based on the extracted basic premium and the variable,
A process of referring to the insurance information storage means and updating the premium to the calculated premium;
A process of accepting the input of the insurance application together with the aircraft information scheduled to be boarded from the customer,
Referring to the insurance information storage means, based on the aircraft information scheduled to be boarded, extracting the insurance premium at the time of application;
A process for outputting and presenting the extracted insurance premium on a predetermined terminal as an insurance premium for the insurance for which the subscription application has been accepted for the customer,
An insurance presentation method characterized by the above. Insurance that compensates customers for damages due to aircraft cancellation or delay, and is calculated based on basic insurance premiums set according to predetermined fixed condition information and variable information that may cause aircraft cancellation or delays. A program for presenting insurance to customers,
Insurance information storage means for storing information on the basic premium and the insurance premium to be presented to the customer for each aircraft;
Variable storage means for storing a variable for calculating the insurance premium for each of the variation information;
For a computer having operation information storage means for storing information related to the operation schedule of the aircraft,
A process of accepting the input of the fluctuation information;
Based on the fluctuation information, referring to the flight information storage means, a process for identifying the aircraft to which the fluctuation information relates according to a predetermined condition;
With reference to the insurance information storage means, a process for extracting the basic insurance premium for the identified aircraft,
A process of referring to the variable storage means and extracting a variable according to the variation information;
Processing for calculating the premium based on the extracted basic premium and the variable,
A process of referring to the insurance information storage means and updating the premium to the calculated premium;
A process of accepting the input of the insurance application together with the aircraft information scheduled to be boarded from the customer,
Referring to the insurance information storage means, based on the aircraft information scheduled to be boarded, extracting the insurance premium at the time of application;
A process for outputting and presenting the extracted insurance premium on a predetermined terminal as the insurance premium of the insurance for which the subscription application has been received is executed for the customer.
Computer program.

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