JP6841467B1 - Survival insurance system, information processing device, information processing method, and program - Google Patents

Abstract

The survival insurance system has a survival probability determined corresponding to at least one of a communication unit that communicates information with an information communication terminal device, an information acquisition unit that acquires basic information of the insured person, and at least one of the acquired basic information. An insurance premium determination unit that determines the insurance premium of the insured based on the information, a storage unit that stores the insured person recognition information including basic information and insurance premiums, and an insurance based on the insured person recognition information. Information on the contract processing department that processes the contract, the notification unit that notifies the insured that the insured is eligible for insurance payment when the insurance period of the insured expires, and the notification of the notification department. Based on the survival confirmation information from the communication terminal device, the insured person's survival certification department certifies the survival of the insured person, and the insured person's intention to receive insurance money based on the authentication result by the insured person survival certification department. It is provided with an information processing device having a determination unit for acquiring and determining the necessity of insurance payment.

Description

The present disclosure relates to survival insurance systems, information processing devices, information processing methods, and programs.

There are many different types of life insurance. For example, Patent Document 1 describes the beneficiary of death benefit in a life insurance contract whose main contract or special contract is life-and-death mixed insurance such as endowment insurance in which a corporation is a policyholder and employees and officers of the corporation are insured. The life insurance contract form is disclosed, with the policyholder and the maturity insurance beneficiary as the insured. However, it is related to death insurance, not technology related to survival insurance.

JP-A-2002-207878

The purpose of this disclosure is to provide a new survival insurance system. Furthermore, an object of the present disclosure is to provide a new information processing device, a new information processing method, and a new program.

The present disclosure includes the following aspects.

The first aspect of the present disclosure is
A survival insurance system equipped with an information processing device that processes information related to insurance contracts between the insured and the insurance company.
The survival insurance system includes an information communication terminal device on the insured side that is telecommunications-enabled with the information processing device.
The information processing device
A communication unit that communicates information with the information communication terminal device,
Information acquisition department that acquires basic information of the insured, including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information, which is the upper limit of insurance premiums set by the insured. When,
An insurance premium determination unit that determines the insurance premium of the insured person based on at least the date of birth and the survival probability information determined corresponding to the health information.
A storage unit that stores the insured person recognition information including the basic information and the determined insurance premium, and
Based on the insured person recognition information, the contract processing unit that processes to conclude the insurance contract, and
A notification unit that notifies that the insured person is eligible for payment of insurance money when the insurance period of the insured person expires.
An insured person survival authentication unit that authenticates the survival of the insured person based on the survival confirmation information from the information communication terminal device in response to the notification of the notification unit.
And on the basis of the authentication result by the insured survival authentication unit, the acquires the beneficiary will of the insured, determination unit necessity of insurance payments,
Have a,
The contract processing unit automatically concludes a contract when the insurance premium upper limit information is higher than the insurance premium determined by the insurance premium determination unit.
The contract processing unit acquires the biometric recognition information of the insured person as contract information at the time of insurance contract processing and stores it in the storage unit.
The insured person survival authentication unit includes the biometric recognition information of the insured person stored in the storage unit and the biometric recognition information of the insured person from the information communication terminal device in response to the notification of the notification unit. Authenticate the insured's survival based on
The information communication terminal device is an information communication terminal device used by the insured person.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination unit is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
If the insured who survives until the expiration of the insurance period does not choose to receive the insurance money, the determination unit performs a re-contract process for re-contracting the insurance using the insurance money as a source of funds. Is.

In the survival insurance system of the first aspect of the present disclosure,
It is preferable that the information communication terminal device on the insured side and the information processing device are communicably connected via a network.
Further, in the survival insurance system of the first aspect of the present disclosure,
It is preferable that the information processing device further has an information updating unit that updates a part of the insured person recognition information during the insurance period .

A second aspect of the present disclosure is
An information processing device that processes information related to insurance contracts between the insured and the insurance company.
The information processing device
With the communication unit that communicates information
Information acquisition department that acquires basic information of the insured, including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information, which is the upper limit of insurance premiums set by the insured. When,
An insurance premium determination unit that determines the insurance premium of the insured person based on at least the date of birth and the survival probability information determined corresponding to the health information.
A storage unit that stores the insured person recognition information including the basic information and the determined insurance premium, and
Based on the insured person recognition information, the contract processing unit that processes to conclude the insurance contract, and
When the insured person's insurance period expires, a notification unit that notifies that the insured person is eligible for insurance payment, and a notification unit.
The insured person survival authentication unit that authenticates the survival of the insured person based on the survival confirmation information acquired in response to the notification of the notification unit.
And on the basis of the authentication result by the insured survival authentication unit, the acquires the beneficiary will of the insured, determination unit necessity of insurance payments,
Have a,
The contract processing unit automatically concludes a contract when the insurance premium upper limit information is higher than the insurance premium determined by the insurance premium determination unit.
The contract processing unit acquires the biometric recognition information of the insured person as contract information at the time of insurance contract processing and stores it in the storage unit.
The insured person survival authentication unit receives the biometric information of the insured person stored in the storage unit and the notification of the notification unit from the information communication terminal device used by the insured person. Based on the insured person's biometric information, the insured person's survival is authenticated.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination unit is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
If the insured who has survived until the expiration of the insurance period does not choose to receive the insurance money, the determination unit uses the insurance money as a source of funds to perform re-contract processing for re-contracting the insurance. It is an information processing device related to contracts.

A third aspect of the present disclosure is
It is an information processing method of an information processing device that processes information related to an insurance contract between an insured person and an insurance company.
The information processing method performed by the information processing device by the control unit is
Communication steps to communicate information and
Information acquisition step to acquire basic information of the insured person including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information which is the upper limit of the insurance premium set by the insured person. When,
The insurance premium determination step for determining the insurance premium of the insured person based on at least the acquired date of birth and the survival probability information determined corresponding to the health information.
A storage step for storing the insured person recognition information including the basic information and the determined premium, and
A contract processing step for processing to conclude the insurance contract based on the insured person recognition information, and
A notification step that notifies that the insured person is eligible for insurance payment when the insured person's insurance period has expired, and
An insured person survival authentication step that authenticates the insured person's survival based on the survival confirmation information acquired in response to the notification step.
Based on the authentication result in the insured person survival authentication step, a determination step of acquiring the insured person's intention to receive insurance money and determining whether or not insurance money payment is necessary, and
Have a,
The contract processing step automatically concludes a contract when the premium upper limit information is higher than the premium determined in the premium determination step.
In the contract processing step, the biometric recognition information of the insured person is acquired and stored as contract information at the time of insurance contract processing.
In the insured person survival authentication step, the stored biometric information of the insured person and the insured person from the information communication terminal device used by the insured person acquired in response to the notification step. Based on the insured's biometric information, the insured's survival is authenticated.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination step is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
In the determination step, if the insured who has survived until the expiration of the insurance period does not choose to receive the insurance money, the insurance money is used as a source of funds to perform a re-contract process for re-contracting the insurance. It is an information processing method of the information processing device related to the contract.

A fourth aspect of the present disclosure is
It is a program that causes the computer of the information processing device that processes information related to the insurance contract between the insured and the insurance company to execute the processing.
The program
Communication steps to communicate information and
Information acquisition step to acquire basic information of the insured person including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information which is the upper limit of the insurance premium set by the insured person. When,
A premium determination step for determining the insurance premium of the insured person based on at least the date of birth and the survival probability information determined corresponding to the health information.
A storage step for storing the insured person recognition information including the basic information and the determined premium, and
A contract processing step for processing to conclude the insurance contract based on the insured person recognition information, and
A notification step that notifies that the insured person is eligible for insurance payment when the insured person's insurance period has expired, and
An insured person survival authentication step that authenticates the insured person's survival based on the survival confirmation information acquired in response to the notification step.
Based on the authentication result in the insured person survival authentication step, a determination step of acquiring the insured person's intention to receive insurance money and determining whether or not insurance money payment is necessary, and
Let the computer execute the process including
The contract processing step automatically concludes a contract when the premium upper limit information is higher than the premium determined in the premium determination step.
In the contract processing step, the biometric recognition information of the insured person is acquired and stored as contract information at the time of insurance contract processing.
In the insured person survival authentication step, the stored biometric information of the insured person and the insured person from the information communication terminal device used by the insured person acquired in response to the notification step. Based on the insured's biometric information, the insured's survival is authenticated.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination step is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
The determination step is a program in which, when the insured who survives until the expiration of the insurance period does not choose to receive the insurance money, the insurance money is used as a source of funds to perform a re-contract process for re-contracting the insurance. ..

According to the present disclosure, a new survival insurance system is provided. In addition, new information processing devices, new information processing methods, and new programs are provided.

It is the schematic which shows an example of the structure of the survival insurance system which concerns on embodiment of this disclosure. An example of the configuration of the insured person recognition information stored in the information processing device according to the embodiment of the present disclosure is shown as a conceptual diagram. It is a flowchart which shows an example of the flow to the insurance contract in the information processing which concerns on embodiment of this disclosure. It is a flowchart which shows an example of the flow to the insurance money payment in the information processing which concerns on embodiment of this disclosure. It is the schematic which shows an example of the hardware configuration which executes the program which concerns on embodiment of this disclosure. It is the schematic which shows another example of the hardware configuration which executes the program which concerns on embodiment of this disclosure.

As a classification type of life insurance, the concepts of death insurance, survival insurance, and mixed life and death insurance are known. For example, death insurance is paid when the insured dies. Life-and-death mixed insurance is paid when the insured survives for a certain period of time or when the insured dies during the insurance period. Survival insurance is paid if you continue to live until the end of the insured period.

In the conventional well-known life insurance, the death insurance type, which is a mechanism in which the surviving family member or a predetermined person receives after the insured dies, is the mainstream. The insurance money received is often used for the lives of the remaining family members.

However, although survival insurance exists in the classification, there are no known examples of its practical application. Except for special contracts for survival insurance, and for death insurance type life insurance such as whole life insurance and fixed-term insurance, the insurance money is paid after the insured dies, so the insured person receives the insurance money himself / herself. It is not possible. On the other hand, in life and death mixed life insurance such as endowment insurance, if the insured survives until the end of the insurance period, he / she can receive the insurance money after the end of the insurance period, but if he / she dies before the end of the insurance period, he / she himself / herself. You cannot receive the insurance money you have insured. In addition, the life-and-death mixed insurance type life insurance has a mechanism in which the beneficiary receives insurance money if the insured dies before the end of the insurance period. For this reason, in the case of the type of insurance received after the insured dies, it is possible that a dispute regarding inheritance may occur depending on the amount of insurance. In the event of a dispute regarding inheritance, the deceased insured person may not be identified. Furthermore, in the type of insurance received after the insured dies, it is often necessary for a person (such as the person in charge of the insurance company) to make a judgment regarding the payment of insurance money, and the person in charge is advanced in terms of contracts, medicine, law, etc. It was necessary to have good knowledge and experience.

As mentioned above, although death insurance type and life and death mixed insurance type life insurance are generally widespread, the current situation is that pure life insurance type life insurance has not been realized.

On the other hand, according to the new survival insurance system disclosed in the present disclosure, the insured can use the insurance money at his / her own will because he / she can receive the insurance money he / she has insured if he / she survives until the end of the insurance period. Insurance money can be used, for example, by distributing it to people who have taken care of it during their lifetime, by establishing a fund, or by using living money that contributes to the world according to their own will. Of course, it is also possible to use it as a fund for your own retirement.

According to the new survival insurance system of the present disclosure, the insured is entitled to the insurance money by surviving until the expiration of the insurance period set by himself / herself. Therefore, if the person dies before the expiration of the insurance period, the insurance money will not be paid and the dispute regarding inheritance will be suppressed. It also has the advantage that insurance money murder is unlikely to occur. In addition, the novel survival insurance system disclosed in the present disclosure allows the insured to receive insurance claims if he / she is alive, so that he / she can make a mechanical judgment regarding the payment of insurance claims. In other words, there is also the advantage that insurance payments can be decided without the judgment of a person with advanced knowledge and experience.

In addition, according to the new survival insurance system of the present disclosure, the insured has a desire to live until the insurance is received because the insurance is received after the expiration of the living insurance period. to be born. In addition, the insured will endeavor to remain healthy until he / she receives the insurance money he / she has insured, which may lead to a healthy society. Furthermore, according to the novel survival insurance system of the present disclosure, it can contribute to the reduction of medical expenses.

Hereinafter, an example of a preferred embodiment of the survival insurance system according to the present disclosure will be described with reference to the drawings. In addition, an example of a preferred embodiment of the information processing apparatus according to the present disclosure, an example of a preferred embodiment of the processing method according to the present disclosure, and an example of a preferred embodiment of the program according to the present disclosure will be described.

<Structure of survival insurance system>
First, a preferred example of the survival insurance system according to the first aspect of the present disclosure will be described together with a preferred example of the information processing device according to the second aspect. FIG. 1 is a schematic view showing an example of the configuration of the survival insurance system according to the embodiment of the present disclosure. The survival insurance system 200 shown in FIG. 1 includes an information processing device 100 capable of communicating with the insured person. The survival insurance system 200 further includes an information communication terminal device 102 on the insured side (hereinafter, may be referred to as "information communication terminal device 102 on the insured side") used by the insured person, and provides information communication. The terminal device 102 and the information processing device 100 are connected to each other via the network 104 so that information regarding the life insurance contract can be communicated with each other. In this disclosure, the insured person is a concept that includes not only a person who has completed an insurance contract but also a person who intends to make an insurance contract. Further, although not shown, in the information processing device 100, information processing devices related to various financial institutions, information processing devices of medical institutions, and the like may be connected via a network 104. Further, although not shown, the information processing apparatus 100 may include an input unit, an output unit, and the like.

The insured person side information communication terminal device 102 is a terminal device for communicating with the information processing device 100, and the information processing device 100 receives information from the insured person (for example, basic information 521 of the insured person) described later. Information such as information from the information processing apparatus 100 described later (for example, notification from the notification unit 310) or the like is received. The information communication terminal device 102 is not limited to the terminal device operated by the insured person as long as it is a terminal device capable of communicating the insured person's information. A single or a plurality of information communication terminal devices 102 are electrically connected to the information processing device 100 to enable communication. Each information communication terminal device 102 and the information processing device 100 may be made capable of communicating with various server devices via the Internet. Further, as shown in FIG. 1, the information communication terminal device 103 on the insurance company side may be configured to be connected via the network 104. Examples of the information communication terminal device (102,103) include a personal computer such as a desktop type, a laptop type, and a tablet type, and a smartphone.

The information processing device 100 is an information processing device for performing processing related to a survival insurance contract. The information processing device 100 is composed of, for example, a server device, a cloud system, and the like. The information processing device 100 shown in FIG. 1 includes a communication unit 10, a control unit 30, and a storage unit 50.
The communication unit 10 is composed of, for example, a communication interface (network interface, etc.). The communication unit 10 is connected to the network 104 by wire or wirelessly. The communication unit 10 transmits or receives information between the information processing device 100 and the information communication terminal devices (102, 103), and the information is communicated.

The control unit 30 has an information acquisition unit 302, an insurance premium determination unit 304, and a contract processing unit 306, and the contract processing unit 306 has an information updating unit 308. Further, the control unit 30 has a notification unit 310, an insured person survival authentication unit 312, and a determination unit 314.

The control unit 30 is realized by an integrated circuit. The control unit 30 is, for example, a controller. The control unit 30 is composed of a CPU (Central Processing Unit), an MPU (Micro-Processing Unit), and the like, and the control by the control unit 30 is controlled by the storage unit 50 provided in the information processing device 100. It is realized by executing various programs stored in the RAM (Random Access Memory) as a work area.

The information acquisition unit 302 acquires the insured person's basic information 521 transmitted from the insured person's information communication terminal device 102. The information acquisition unit 302 stores the acquired basic information 521 of the insured person in the storage unit 50 including the insured person ID which is an identifier for identifying the insured person. The insured person's basic information 521 includes, for example, the insured person's personal information (name, date of birth, email address (communication destination information) of the insured person's information communication terminal device 102, etc.), health information (injury and illness). Includes information on the desired insurance amount, which is the desired insurance amount, and information on the desired insurance period, which is the desired insurance period. Here, the insurance period represents the period from the insurance contract to the maturity, and the desired insurance period information is the desired contract establishment time (desired date for which the insurance contract is desired or a certain period for which the insurance contract is desired to be established). And the insurance contract period information which is the information of the insurance contract period. The above-mentioned basic information 521 is an example, and is not necessarily limited to the above-mentioned information. Personal information that can identify the insured person and information required by the insurance premium determination unit 304, which will be described later, when determining the insurance premium. It suffices if the insurance premium determination item information (information on the insurance age or the date of birth for calculating the insurance age, etc.), the desired insurance amount information, and the desired insurance period information are included.

The insurance premium determination unit 304 determines the insurance premium of the insured person based on the survival probability information 504 (details will be described later) corresponding to the insured person's basic information 521 and the insured person's basic information 521. The insurance premium determination unit 304 stores the insurance premium information 523, which is the determined insurance premium information, in the storage unit 50 in association with the insured person ID of the basic information 521.
The contract processing unit 306 processes the insurance contract based on the basic information 521 and the insurance premium determined by the insurance premium determination unit 304. Further, the contract processing unit 306 acquires the insured person information necessary for the contract as contract information 525 (details will be described later) at the time of insurance contract processing, and associates it with the insured person ID of the basic information 521. , Stored in the storage unit 50. The contract information 525 may include biometric information of the insured person.
Further, the contract processing unit 306 updates the insured person recognition information 502 including the insured person's basic information 521, the insurance premium information 523, and the contract information 525 stored in the storage unit 50 during the insurance period. It has an update unit 308. The information updating unit 308 performs a process of updating the insured person's basic information 521 and the like when, for example, the insured person's health information is improved or deteriorated.

Based on the insured person recognition information 502 described later, the notification unit 310 indicates that the insured person (insured person side information communication terminal device 102) has expired the insurance period when the insured person's insurance period has expired. Notify.
The insured person survival authentication unit 312 authenticates the insured person's survival based on the survival confirmation information which is the information indicating that the insured person is alive transmitted from the insured person side information communication terminal device 102. To do. When authenticating the survival of the insured person, the insured person survival authentication unit 312 receives the biometric recognition information of the insured person stored in the storage unit 50 and the notification of the notification unit 310 from the information communication terminal device 102. The insured person's survival may be authenticated based on the insured person's biometric information.
The determination unit 314 confirms the insured person's intention to receive the insurance money based on the result of the insured person's survival authentication by the insured person survival authentication unit 312, and determines whether or not the insurance money needs to be paid. Further, the determination unit 314 may perform the insurance money payment procedure based on the determination result, or may not perform the payment procedure and notify the information and communication terminal device 103 on the insurance company side of the determination result. ..

The storage unit 50 is composed of semiconductor memory elements such as a RAM (random access memory) and a flash memory, for example. The storage unit 50 may be configured by a portable storage device such as a hard disk or an optical disk.

The storage unit 50 stores and stores the insured person recognition information 502 and the survival probability information 504.
The survival probability information 504 is information indicating the survival probability determined at least corresponding to the insurance age information which is the information of the insured age, and is, for example, statistical value information announced by the government or the like. The insurance age is the age that is the standard for determining the insurance premium, and the insurance age information is information calculated from the date of birth of the insured and the desired contract establishment time (desired insurance period information). It is preferable that the survival probability information 504 is updated at any time based on the latest statistical value information, for example, by the information communication terminal device 103 on the insurance company side. In addition, the survival probability information 504 may include information on the survival rate determined based on the diagnostic age information and health information described later. This survival rate information may be based on diagnostic age information, health information and up-to-date statistical information. When the survival probability information 504 is information determined based on the diagnosed age information and the health information, it may be the information obtained by simulating according to the content of the injury or illness. The storage unit 50 may be, for example, an external storage server, and at least one of the insured person recognition information 502 and the survival probability information 504 may be managed by the external storage server.

The survival probability information 504 is a learned model learned based on the insurance age information and health information of a plurality of insured persons stored in the storage unit 50 in the survival insurance contract system of the present disclosure and the above-mentioned statistical values. It may be survival probability information registered by. In the trained model, the insured person recognition information 502 of the insured person whose survival authentication has been performed in the past by the insured person survival authentication unit 312 and the survival authentication result may be included in the learning target. For example, when the survival probability information 504 is the information registered by the trained model, the input layer in which the input information which is the information input to the model is input and the input information input in the input layer A model having a plurality of intermediate layers that sequentially perform predetermined processing, and an output layer that generates output information corresponding to input information based on the output of the intermediate layer that performs the processing last among the plurality of intermediate layers. Data may be registered. In addition, this model may be expected to be used as a program module that is a part of artificial intelligence software. For example, the model is used in a computer equipped with a CPU and memory.

The insured person recognition information 502 includes the above-mentioned basic information 521, insurance premium information 523, and contract information 525. The insurance premium information 523 is information calculated based on the survival probability information 504 corresponding to the insured person's basic information 521. The contract information 525 is information acquired by the contract processing unit 306 at the time of contracting with the insured person. The contract information 525 and the insurance premium information 523 are stored in the storage unit 50 in association with the insured person ID of the basic information 521. In this disclosure, the identifier that associates the basic information 521, the insurance premium information 523, and the contract information 525 is the insured person ID of the basic information 521. , Not limited to this.

FIG. 2 is a diagram showing an example of the configuration of the insured person recognition information 502 stored in the information processing device according to the embodiment of the present disclosure. The insured person recognition information 502 is not limited to the information shown in FIG. 2, and any information other than the information shown in FIG. 2 may be registered as long as it is information about the insured person.

In the example shown in FIG. 2, the insured person recognition information 502 includes the insured person's name, date of birth, communication destination information (email address, etc.), injury / illness presence / absence, and injury / illness content acquired as the insured person's basic information 521. In addition to the desired insurance amount, desired insurance period, and insured person ID, for example, the address, telephone number, SNS account, and financial institution acquired as contract information 525 at the time of contract (when the insurance contract is processed by the contract processing department 306). Includes personal information such as the designated account number (insurance premium withdrawal account), insurance contract date information on which the insurance contract was established, and insurance age information calculated from the insured's date of birth and insurance contract date information. The insured person recognition information 502 is stored in the storage unit 50, necessary information is appropriately extracted, and various processes are performed. The presence or absence of injury and illness and the content of injury and illness are examples of health information as described above. Further, the contract information 525 includes the authentication ID issued when the insurance contract is processed, and is notified to the insured side information communication terminal device 102 together with the insured person ID of the basic information 521. Further, it is preferable to include the biometric authentication information acquired at the time of processing the insurance contract. The authentication ID and biometric authentication information are information associated with the insured person ID. The contract information 525 described above is an example, and may include predetermined information necessary for a survival insurance contract.

The authentication ID does not have to be stored in the insured person recognition information 502 as long as the insured person can be identified and authenticated. For example, it may be a token-based ID issuing system that is not stored in the insured person recognition information 502. As a token-based ID issuing system, a token issuing unit may be provided in the control unit 30.
Examples of biometric information include fingerprints, face recognition, iris, and voiceprints. The biometric authentication information may be acquired as needed and may not be stored in the insured person recognition information 502. From the viewpoint that the survival confirmation can be more accurate, the insured person recognition information preferably includes the insured person's biometric recognition information. The beneficiary who receives the insurance money of the present disclosure is the insured person, but if there is an unavoidable reason such as dementia, a beneficiary acting on behalf of the insured person such as a guardian may be set. However, in this case, the authentication information certifying that the recipient is a legitimate recipient is stored.

<Information processing method related to survival insurance>
Next, a preferable example of the information processing method according to the third aspect of the present disclosure will be described. 3 and 4 show an example of information processing related to the survival insurance contract of the present disclosure, and are flowcharts showing the flow from the insurance contract to the payment of the insurance money in two parts. FIG. 3 is a flowchart showing an example of a flow up to an insurance contract in information processing according to the embodiment of the present disclosure. FIG. 4 is a flowchart showing an example of a flow up to insurance payment in information processing according to the embodiment of the present disclosure.

First, the flow up to the insurance contract will be described with reference to FIG. The information communication terminal device 102 communicates with the communication unit 10 of the information processing device 100. The insured person's basic information 521 input from the information communication terminal device 102 is received by the communication unit 10. The received basic information 521 is acquired by the information acquisition unit 302 (S101).

The survival probability information 504 corresponding to the acquired basic information 521 is called from the storage unit 50, and the insurance premium of the insured is calculated by the insurance premium determination unit 304 based on the survival probability information 504 corresponding to the basic information 521. , The insurance premium is determined (S103). The insurance premium may be determined based on the survival probability information 504 and further based on the planned project cost rate information (not shown).

The insurance premium determined by the insurance premium determination unit 304 is stored in the storage unit 50 together with the basic information 521 as the insurance premium information 523 of the insured person (S105).

The communication unit 10 of the information processing device 100 communicates with the information communication terminal device 102, and transmits the insurance premium information 523 to the insured side information communication terminal device 102 (S107). At this time, the insured person ID and the authentication ID may be transmitted, and for example, information such as important matters of the insurance contract may be transmitted.

The insured who confirms the insurance premium information 523 transmitted to the information / communication terminal device 102 inputs the manifestation of intention of the contract to the information / communication terminal device 102. The input contract information including the contract intention to make a survival insurance contract is transmitted from the information communication terminal device 102 to the information processing device 100 by communication between the information communication terminal device 102 and the communication unit 10. The information processing device 100 performs an insurance contract establishment process based on the contract information received by the contract processing unit 306 (S109). At this time, the contract information may include biometric authentication information. As the insurance contract establishment process, the contract processing unit 306 transmits the contract establishment information indicating that the contract has been established to the information communication terminal device 102, and the contract information 525 transmitted to the communication unit 10 is the insured person recognition information. As 502, it is stored in the storage unit 50. Here, when acquiring the biometric recognition information of the insured person, the contract step has a step of acquiring and storing the biometric recognition information of the insured person as contract information 525 at the time of processing the insurance contract.

The flow up to the insurance contract may be automated. For example, when acquiring the basic information 521 of the insured person, the insurance premium upper limit information, which is the upper limit amount of the insurance premium determined in advance by the insured person, is acquired, and the insurance premium is determined by the insurance premium determination unit 304. As long as the conditions of the above are met, the contract may be automatically made. The conditions are met, for example, when the upper limit of the insured's insurance premium is higher than the insurance premium determined by the insurance premium determination unit 304. In this case, for example, the contract processing unit 306 is insured. A contract with an insurance premium determined by the premium determination unit 304 is automatically established.

Although not shown, an information update step for updating a part of the insured person recognition information 502 may be further provided during the insurance period (between S109 shown in FIG. 4 and S201 shown in FIG. 5). .. Specifically, the information update step may update the basic information 521 or the contract information 525 during the insurance period of the insured. The information that can be updated includes, for example, the insured's surname, address, telephone number, email address, SNS account, health information, designated account number of a financial institution for withdrawing insurance premiums, and the like. When the insured person recognition information 502 of the insured person is updated, the information communication terminal device 102 communicates with the communication unit 10, and the updated information is transmitted from the information communication terminal device 102. The transmitted update information is acquired by the information acquisition unit 302. The information update unit 308 extracts and updates the basic information 521 or contract information 525 corresponding to the update information from the storage unit 50 based on the identifier such as the insured person ID included in the update information, and updates the basic information 521. Alternatively, the contract information 525 is stored in the storage unit 50 as the insured person recognition information 502.

If the health information is updated during the insurance period, the insurance premium for the next year or later of the insured person may be changed by the survival probability information 504 associated with the insured person's diagnosis age information and the health information. .. Here, the diagnosis age information is information on the age of the insured person on the examination date of the updated health information (health examination, etc.). The diagnosis age information is calculated from the insured's date of birth based on the examination date information so that the health information includes the examination date information such as the health condition examination date or the health examination date. May be good. The health information is updated based on, for example, the health examination information of the insured person. The insured conducts an annual health check at a pre-determined medical institution affiliated with the insurance company. The result of the health diagnosis is configured to be stored in a device (not shown) that can be electrically communicated via the network 104, such as an information communication terminal device (not shown) provided in a medical institution. The information processing device 100 is connected to a device (not shown) in which the insured person's health examination information is stored by a network 104, and the communication unit 10 communicates with the device of the medical institution to acquire the insured person's health examination information. .. The information update unit 308 updates the insured person's health information to the latest information based on the acquired health examination information, and the insurance premium determination unit 304 updates the insurance premiums for the following year or later based on the updated health information. , And the contract processing unit 306 may change the insurance premium of the insured person from the next year onward. For example, if the results of the insured's health examination are used, the survival insurance of the present disclosure can be applied to insurance in the form of a group contract. The change in insurance premiums due to the update of health information shall be presented to the insured before the conclusion of the contract, for example, due to important matters in the insurance contract.

Next, with reference to FIG. 4, the flow from the insurance contract to the insurance payment will be described.
Based on the insurance contract date information and the insurance contract period information of the insured person recognition information 502 stored in the storage unit 50, the notification unit 310 tells the information communication terminal of the communication unit 10 when the insured person's insurance period expires. By communicating with the device 102, the period expiration information that the insurance period has expired is transmitted, and the insured is notified that the insurance money is payable (S201). The means for notifying the insured that the insurance money is to be paid may be the information and communication terminal device 102 used by the insured, and a sealed letter based on the information received by the information and communication terminal device 103 used by the insurance company. It may be sent to the insured by means such as mailing.

After notifying the insured person of the period expiration information, the information processing device 100 performs survival authentication for confirming the survival of the insured person. When the insured person is notified of the expiration date information, the insured person, for example, displays information unique to the insured person as survival confirmation information, which is information indicating survival, in order to indicate that the insured person is alive. It is input to the device 102 and transmitted to the insurance company. Here, the information unique to the insured person may be any information that can authenticate (confirm) that the insured person was alive at the end of the insurance period. The survival confirmation information transmitted by the insured person is transmitted to the communication unit 10 of the information processing device 100, and the insured person's survival authentication unit 312 authenticates the survival of the insured person (S203). For the survival confirmation (survival certification) of the insured person, the insured person's survival certification department 312 confirms the survival of the insured person after obtaining the receipt notification from the insured person side after notifying the expiration date information. A survival confirmation request may be sent for confirmation, or a survival confirmation request may be sent together with the notification of expiration information.

In addition, biometric authentication information may be used for survival authentication as information unique to the insured person. That is, the insured person's survival authentication is information regarding the insured person's biological recognition information stored as contract information 525 and the notification of the period expiration information to the insured person when the insured person's survival is authenticated. It may have a step of authenticating the survival of the insured person based on the insured person's biological recognition information from the communication terminal device 102. For example, the insured sends biometric information about the insured when responding to a survival confirmation request received. By matching the biometric information with the insured person's biometric information stored in advance, the insured person's survival is confirmed, the insured person's survival confirmation is speeded up, and the insured person is the person himself / herself. The certainty of is improved. As a result, the insurance money can be paid immediately. To confirm the survival of the insured person, the insured person's camera provided in the insured person's information and communication terminal device may be used, or the insured person's information and communication terminal device may be used by the insured person's side. This may be done by providing an insured side camera (for example, a web camera) that can be operated on the information communication terminal device and utilizing the insured side camera. For example, the insured side camera takes an image (at least one of a still image and a moving image) including the insured person's biometric authentication information as survival confirmation information, and the photographed image is processed by the insured side. It is transmitted to the device, and the information based on the transmitted image is used for survival authentication. Specifically, the insured person who receives the survival confirmation request takes a moving image including the insured person's face with the insured person's camera as the survival confirmation information and processes the information through the network. Send to the device. The information processing device extracts one or more of the insured's face recognition, iris, and voiceprint from the transmitted moving image, and the extracted information is stored in advance. It is determined whether or not it matches the biometric authentication information as one of the insured person recognition information. In addition, not only the moving image including the face but also the still image of the palm including the fingerprint is transmitted, the vein information and the like are extracted from this still image, and the information obtained from the above-mentioned moving image and the still image are extracted. Both pieces of information may be used for survival authentication. Survival authentication using biometric information enables highly accurate survival confirmation. In addition, by configuring the insured person's moving image to be transmitted as the survival confirmation information, the survival confirmation can be performed in real time, so that accuracy and speed can be more easily ensured.

In addition, for example, when acquiring the health information of the insured person, the insured person's own signature is also acquired, and the handwriting information is also acquired. By accumulating handwriting information together with the accumulation of health information, for example, learning is performed by artificial intelligence software. Examples of artificial intelligence software include those mentioned above. As a result, it is determined whether or not the handwriting is the insured person's handwriting, so that the handwriting information can be used for survival authentication. Furthermore, survival authentication may be performed by combining biometric information and handwriting information. Of course, the biometric authentication information may be combined with the survival certificate of a public institution to perform survival authentication. The handwriting information is included in the contract information 525 and stored in the storage unit 50 by the information update unit 308.

Here, when the beneficiary acting on behalf of the insured sends the survival confirmation information, the beneficiary confirmation information for proving that the beneficiary is a legitimate beneficiary is also included along with the insured person's survival confirmation information. You just have to send it.

If the insured person's survival confirmation information is not transmitted from the information communication terminal device 102 to the communication unit 10 and the insured person's survival authentication unit 312 does not authenticate the survival, the insured person is considered not to survive and is insured. No money will be paid and the survival insurance contract will end. If the insured person's survival is not authenticated the first time, the survival authentication process such as sending a survival confirmation request to the insured person again may be repeated a certain number of times. If the insured's survival is not certified even after repeated survival certification processing, the insurance contract is terminated without the insurance money being paid to the insured.

When the insured person's survival certification unit 312 certifies the insured person's survival, the judgment unit 314 sends the insured person's insurance claim intention confirmation information to the insured person's information communication terminal based on the survival authentication result. It is transmitted to the device 102 (S205). The insurance claim intention confirmation information may be transmitted together with the survival confirmation information, or may be separately transmitted after the survival authentication. In response to the transmitted insurance claim intention confirmation information, the insured person's information communication terminal device 102 transmits insurance claim receipt decision information or insurance claim receipt hold information.

When the information processing device 100 acquires the insurance claim receipt intention information, the determination unit 314 determines whether or not the insurance claim has been received (S207). The receipt decision information or receipt hold information transmitted from the insured person may be at the same time as the survival authentication (transmission of the survival confirmation information) or after the survival authentication.

When the insured chooses to receive the insurance money, the insurance money is transferred to the designated account of the financial institution based on the contract information 525 stored in the storage unit 50 (S209). The flow of insurance payments to the insured may be automated. For example, at the time of contract, the insured person's intention to receive the insurance money is acquired in advance, and the insurance money receiving intention information is stored in the storage unit 50 as one piece of the insured person recognition information 502, and is called after the survival authentication. The insurance money may be automatically paid to the insured person based on the insurance money receipt intention information.

If the insured does not choose to receive the insurance money, the determination unit 314 uses the insurance money as a source of funds to perform a re-contract process for re-contracting the insurance according to the contract flow shown in FIG. 4 (S211). One contract of survival insurance is terminated by transferring the insurance money to the insured or re-contracting the survival insurance. Here, if the insured person dies before the insurance period expires, the insured person's survival cannot be authenticated because the insured person's survival information cannot be obtained at the time of the insurance period expiration. Therefore, the insurance money is not paid to the insured.

If you re-contract the insurance and die before the re-contract insurance period expires, you will not be able to obtain survival information at the end of the insurance period, so not only the re-contract insurance money but also the first contract insurance money The insurance money of the insurance funded by the insured will not be paid to the insured.

Until the end of the insurance period, the insured's survival information may be considered to be alive once the premium has been paid. However, since the insurance money is paid on the condition that the insurance is alive when the insurance period expires, in the survival insurance system according to the present disclosure, the survival certification when the insurance period expires is not performed. Do it again.

The information processing related to the above-mentioned survival insurance contract may be executed by a smart contract on a blockchain (distributed ledger), for example. In the information processing related to the survival insurance contract related to the present disclosure, for example, in the insured person, the insurance company, various financial institutions, medical institutions, and other persons involved in the survival insurance contract, each computer is used as a blockchain participant. Can be.

Therefore, the computer of one related party can broadcast the information related to the life insurance contract (for example, at least a part of the insured person recognition information 502) to the computers of all the related parties. In addition, the computers of the parties involved in the survival insurance contract can share various information related to the survival insurance contract on the blockchain. Furthermore, it is also possible to grant viewing authority to at least a part of the insured person recognition information 502 for each blockchain participant.

In the information processing related to the life insurance contract related to the present disclosure, the computer participating in the blockchain automatically performs the process defined in the execution process when the condition defined in the information condition is satisfied. Can be executed. By using smart contract technology, information processing related to survival insurance contracts can be automatically executed.

<Hardware configuration>
Next, a preferable example of the program according to the present disclosure will be described. The information processing device 100 according to the above-described embodiment is realized, for example, by causing the computer 600 of the information processing device related to the insurance contract shown in FIG. 5 to execute the process. FIG. 5 is a schematic diagram showing an example of a hardware configuration in which the program according to the embodiment of the present disclosure is executed.

The computer 600 shown in FIG. 5 is connected to the output device 610 and the input device 620, and the arithmetic unit 640, the memory device 660, the storage device 680, the output interface 612, the input interface 614, and the communication interface 618 are connected by the bus 700. Has been done.

The arithmetic unit 640 operates based on the program 682 stored in the storage device 680, the program read from the input device 620, and the like, and executes various processes. The memory device 660 is composed of a non-volatile storage element such as a RAM, and temporarily stores information used by the arithmetic unit 640 for various calculations. Further, the storage device 680 is composed of non-volatile storage elements such as a hard disk drive and a flash memory, and stores information (insured person recognition information 502, survival probability information 504, etc.) used by the arithmetic unit 640 for various calculations. ..

The output interface 612 is an interface for transmitting information to be output to an output device 610 that outputs information such as an image display device such as a display and an image forming device such as a printer. The output interface 612 is composed of, for example, connectors such as a universal serial bus (USB) and a digital visual interface (DVI). The input interface 614 is an interface for receiving information from an input device 620 such as a mouse, a keyboard, a touch panel, and a scanner. The input interface 614 is configured by, for example, USB or the like.

The input device 620 is composed of, for example, at least one of an optical recording medium, an optical magnetic recording medium, a magnetic recording medium, and a semiconductor recording medium. Specifically, these recording media include compact discs, digital video discs, and the like. The input device 620 may be a device that reads information from these recording media. Further, the input device 620 may be an external storage medium such as a USB memory.

The communication interface 618 is responsible for the process of communicating via the network 104. The communication interface 618 receives information from another device connected to the network 104. The received information is sent to the arithmetic unit 640, and the information generated by the arithmetic unit 640 is transmitted to another device connected to the network 104. The communication interface 618 is composed of, for example, hardware, firmware, communication software, and the like.

The arithmetic unit 640 controls the output device 610, the input device 620, and the like via the output interface 612 and the input interface 614. For example, the arithmetic unit 640 reads a program into the memory device 660 from at least one of the input device 620 and the storage device, and executes the read program.

For example, when the computer 600 functions as the information processing device 100, the arithmetic unit 640 of the computer 600 executes the program read by the memory device 660. As a result, the function of the control unit 30 is realized.

FIG. 6 is a schematic view showing another example of the hardware configuration in which the program according to the embodiment of the present disclosure is executed. In the computer 800 shown in FIG. 6, the arithmetic unit 840, the memory device 860, the storage device 880, and the communication interface 818 are connected by the bus 900. The computer 800 is the same including the operation, except that the computer 600 shown in FIG. 5 is not provided with the output interface 612, the input interface 614, the output device 610, and the input device 620.

Although a preferred example of the embodiment of the present disclosure has been described above, the specific configuration is not limited to these, and various changes can be made without departing from the gist of the present disclosure.

10 ... communication unit, 30 ... control unit, 50 ... storage unit, 100 ... information treatment device, 102 ... information communication terminal device (insured side), 103 ... information communication terminal device (insurance company side), 104 ... network, 302 ... Information acquisition department, 304 ... Insurance premium determination department, 306 ... Contract processing department, 308 ... Information update department, 310 ... Notification department, 312 ... Insured person survival authentication department, 314 ... Judgment department, 502 ... Insured person recognition Information, 521 ... Basic information, 523 ... Insurance premium information, 525 ... Contract information, 504 ... Survival probability information, 682,882 ... Program

Claims (6)

A survival insurance system equipped with an information processing device that processes information related to insurance contracts between the insured and the insurance company.
The survival insurance system includes an information communication terminal device on the insured side that is telecommunications-enabled with the information processing device.
The information processing device
A communication unit that communicates information with the information communication terminal device,
Information acquisition department that acquires basic information of the insured, including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information, which is the upper limit of insurance premiums set by the insured. When,
An insurance premium determination unit that determines the insurance premium of the insured person based on at least the date of birth and the survival probability information determined corresponding to the health information.
A storage unit that stores the insured person recognition information including the basic information and the determined insurance premium, and
Based on the insured person recognition information, the contract processing unit that processes to conclude the insurance contract, and
When the insured person's insurance period expires, a notification unit that notifies that the insured person is eligible for insurance payment, and a notification unit.
An insured person survival authentication unit that authenticates the survival of the insured person based on the survival confirmation information from the information communication terminal device in response to the notification of the notification unit.
And on the basis of the authentication result by the insured survival authentication unit, the acquires the beneficiary will of the insured, determination unit necessity of insurance payments,
Have a,
The contract processing unit automatically concludes a contract when the insurance premium upper limit information is higher than the insurance premium determined by the insurance premium determination unit.
The contract processing unit acquires the biometric recognition information of the insured person as contract information at the time of insurance contract processing and stores it in the storage unit.
The insured person survival authentication unit includes the biometric recognition information of the insured person stored in the storage unit and the biometric recognition information of the insured person from the information communication terminal device in response to the notification of the notification unit. Authenticate the insured's survival based on
The information communication terminal device is an information communication terminal device used by the insured person.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination unit is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
When the insured who survives until the expiration of the insurance period does not choose to receive the insurance money, the determination unit performs a re-contract process for re-contracting the insurance using the insurance money as a source of funds. .. The survival insurance system according to claim 1, wherein the information communication terminal device on the insured side and the information processing device are communicably connected via a network. The survival insurance system according to claim 1 or 2, wherein the information processing device further includes an information updating unit that updates a part of the insured person recognition information during the insurance period. An information processing device that processes information related to insurance contracts between the insured and the insurance company.
The information processing device
With the communication unit that communicates information
Information acquisition department that acquires basic information of the insured, including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information, which is the upper limit of insurance premiums set by the insured. When,
An insurance premium determination unit that determines the insurance premium of the insured person based on at least the date of birth and the survival probability information determined corresponding to the health information.
A storage unit that stores the insured person recognition information including the basic information and the determined insurance premium, and
Based on the insured person recognition information, the contract processing unit that processes to conclude the insurance contract, and
When the insured person's insurance period expires, a notification unit that notifies that the insured person is eligible for insurance payment, and a notification unit.
The insured person survival authentication unit that authenticates the survival of the insured person based on the survival confirmation information acquired in response to the notification of the notification unit.
And on the basis of the authentication result by the insured survival authentication unit, the acquires the beneficiary will of the insured, determination unit necessity of insurance payments,
Have a,
The contract processing unit automatically concludes a contract when the insurance premium upper limit information is higher than the insurance premium determined by the insurance premium determination unit.
The contract processing unit acquires the biometric recognition information of the insured person as contract information at the time of insurance contract processing and stores it in the storage unit.
The insured person survival authentication unit receives the biometric information of the insured person stored in the storage unit and the notification of the notification unit from the information communication terminal device used by the insured person. Based on the insured person's biometric information, the insured person's survival is authenticated.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination unit is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
If the insured who has survived until the expiration of the insurance period does not choose to receive the insurance money, the determination unit uses the insurance money as a source of funds to perform re-contract processing for re-contracting the insurance. Information processing equipment related to contracts. It is an information processing method of an information processing device that processes information related to an insurance contract between an insured person and an insurance company.
The information processing method performed by the information processing device by the control unit is
Communication steps to communicate information and
Information acquisition step to acquire basic information of the insured person including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information which is the upper limit of the insurance premium set by the insured person. When,
A premium determination step for determining the insurance premium of the insured person based on at least the date of birth and the survival probability information determined corresponding to the health information.
A storage step for storing the insured person recognition information including the basic information and the determined premium, and
A contract processing step for processing to conclude the insurance contract based on the insured person recognition information, and
A notification step that notifies that the insured person is eligible for insurance payment when the insured person's insurance period has expired, and
An insured person survival authentication step that authenticates the insured person's survival based on the survival confirmation information acquired in response to the notification step.
Based on the authentication result in the insured person survival authentication step, a determination step of acquiring the insured person's intention to receive insurance money and determining whether or not insurance money payment is necessary, and
Have a,
The contract processing step automatically concludes a contract when the premium upper limit information is higher than the premium determined in the premium determination step.
In the contract processing step, the biometric recognition information of the insured person is acquired and stored as contract information at the time of insurance contract processing.
In the insured person survival authentication step, the stored biometric information of the insured person and the insured person from the information communication terminal device used by the insured person acquired in response to the notification step. Based on the insured's biometric information, the insured's survival is authenticated.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination step is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
In the determination step, if the insured who has survived until the expiration of the insurance period does not choose to receive the insurance money, the insurance money is used as a source of funds to perform a re-contract process for re-contracting the insurance. Information processing method of the information processing device related to the contract. It is a program that causes the computer of the information processing device that processes information related to the insurance contract between the insured and the insurance company to execute the processing.
The program
Communication steps to communicate information and
Information acquisition step to acquire basic information of the insured person including date of birth, health information, desired insurance amount and desired insurance period , and premium upper limit information which is the upper limit of the insurance premium set by the insured person. When,
A premium determination step for determining the insurance premium of the insured person based on at least the date of birth and the survival probability information determined corresponding to the health information.
A storage step for storing the insured person recognition information including the basic information and the determined premium, and
A contract processing step for processing to conclude the insurance contract based on the insured person recognition information, and
A notification step that notifies that the insured person is eligible for insurance payment when the insured person's insurance period has expired, and
An insured person survival authentication step that authenticates the insured person's survival based on the survival confirmation information acquired in response to the notification step.
Based on the authentication result in the insured person survival authentication step, a determination step of acquiring the insured person's intention to receive insurance money and determining whether or not insurance money payment is necessary, and
Let the computer execute the process including
The contract processing step automatically concludes a contract when the premium upper limit information is higher than the premium determined in the premium determination step.
In the contract processing step, the biometric recognition information of the insured person is acquired and stored as contract information at the time of insurance contract processing.
In the insured person survival authentication step, the stored biometric information of the insured person and the insured person from the information communication terminal device used by the insured person acquired in response to the notification step. Based on the insured's biometric information, the insured's survival is authenticated.
The biometric recognition information of the insured person from the information communication terminal device is a moving image taken and transmitted by the information communication terminal device used by the insured person so that the survival can be confirmed in real time. Including at least the statue
The determination step is configured so that when the insured who survives until the expiration of the insurance period chooses to receive the insurance money, the insured person himself / herself receives the insurance money that has been applied until the expiration of the insurance period.
The determination step is a program in which, when the insured who survives until the expiration of the insurance period does not choose to receive the insurance money, the insurance money is used as a source of funds to perform a re-contract process for re-contracting the insurance.

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