JP2002041802A - Device and method for providing insurance plan, device and method for providing article plan, device and method for providing information and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance plan providing device for efficiently presenting an insurance plan matched to the request of a user to the user. SOLUTION: In the insurance plan providing device for presenting the insurance plan, this device is provided with an insurance plan database 120 for correspondently storing the plural insurance plans, with which plural compensation items and insurance amounts corresponding to the compensation items are combined, of different combination and insurance amounts and the insurance amounts, an input part for inputting the insurance amount desired by the user, an extraction part for extracting the insurance plan matched to the inputted insurance amount from the insurance plan database and an output part for outputting at least one of plural compensation items of the extracted insurance plan.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an insurance plan providing device, a product plan providing device, an information providing device, an insurance plan providing method, a product providing method, an information providing method, and a recording medium. In particular, the present invention provides an insurance plan providing apparatus and an insurance plan providing method for providing an insurance plan combining a plurality of items, a product plan providing apparatus and a product providing method for providing a product plan, and information to a user based on search conditions. Information providing apparatus and information providing method, and a recording medium storing them.

[0002]

2. Description of the Related Art In recent years, with the spread of the Internet, various information has been provided to user terminals via the Internet. The number of shopping sites has also increased, making it easier for users to shop online.

[0003]

In order to efficiently perform Internet shopping, it is required to promptly provide a product that meets the user's wishes.

Accordingly, an object of the present invention is to provide an insurance plan providing device, a product providing device, and an information providing device which can solve the above-mentioned problems. This object is achieved by a combination of features described in the independent claims. The dependent claims define further advantageous embodiments of the present invention.

[0005]

According to a first aspect of the present invention, there is provided an insurance plan providing apparatus for presenting an insurance plan, wherein a plurality of compensation items and an insurance amount corresponding to the compensation items are combined. An insurance plan database for storing a plurality of insurance plans having different combinations and the insurance amounts and the insurance amounts, an input unit for inputting the insurance amount desired by a user, and matching the input insurance amounts An insurance unit that extracts the insurance plan to be performed from the insurance plan database; and an output unit that outputs at least one of the plurality of compensation items of the extracted insurance plan. The user may be a user of the user terminal searching for an insurance plan, and in this case, the output unit provides the output information to the user terminal via the Internet. The sales person who presents the insurance plan to the customer at the user terminal may be used. In this case, the output unit may be, for example, a printer or a monitor.

The insurance plan may include an insurance amount corresponding to each of the plurality of compensation items, and the plurality of insurance plans may have different insurance amounts corresponding to each of the plurality of compensation items.

[0007] The insurance plan database may further store an insurance premium corresponding to the insurance plan in association with the insurance plan. The extracting unit may extract the insurance plan and the insurance premium stored in the insurance plan database corresponding to the insurance plan, and the output unit may output the insurance plan out of the plurality of compensation items and the insurance premium. At least one may be output.

A premium calculating unit for calculating an insurance premium corresponding to the insurance plan based on the insurance amount input by the input unit and the plurality of compensation items of the insurance plan extracted by the extracting unit; May be provided. The output unit may output at least one of the plurality of compensation items and the insurance premium.

A second aspect of the present invention is an insurance plan providing apparatus for presenting an insurance plan, wherein a plurality of insurance items are determined by combining the plurality of insurance items and having different insurance amounts. An insurance plan database that stores plans and insurance premiums of the insurance plan in association with each other, an input unit that inputs the insurance premium desired by a user, and the insurance plan database that stores the insurance plan that matches the input insurance premium. And an output unit that outputs at least one of the extracted insurance plan and the plurality of compensation items of the insurance plan.

The input unit may input at least a part of the plurality of compensation items, and the extraction unit may extract an insurance plan having the input compensation items from the insurance plan database. Good. The output unit may output the plurality of compensation items of the extracted insurance plan and at least one of the insurance premium and the insurance amount of the insurance plan.

[0011] The input unit may input at least a part of the plurality of compensation items and the insurance amount, and the extraction unit extracts the insurance plan including the compensation item input by the input unit. Alternatively, the insurance plan that matches the insurance amount input by the input unit may be extracted from the extracted insurance plan.

[0012] The input unit may input at least a part of the plurality of compensation items and the insurance premium, and the extraction unit extracts the insurance plan including the compensation item input by the input unit. Then, the insurance plan that matches the insurance premium input by the input unit may be further extracted from the extracted insurance plan.

[0013] The insurance plan database may store the insurance plan in association with the insurance subscription condition. The input unit, the insurance amount or the insurance premium,
The subscription condition may be input, and the extraction unit may extract the insurance plan or the insurance premium and the insurance plan that matches the subscription condition from the insurance plan database.

The plurality of compensation items may be a main contract of the insurance plan and a special contract of the plurality of insurance plans. The insurance plan may include at least one of the main contract and the special contract. The plurality of insurance plans are plans in which at least one of the presence or absence of the special contract, the combination of the main contract and the plurality of special contracts, and the insurance amount corresponding to the main contract and the insurance amount corresponding to the special contract are different. There may be. The input unit inputs the insurance amount desired by the user, the extraction unit,
A plurality of the insurances that are substantially the same as the insurance amount of the main contract input by the input unit and are different in the combination of the special contracts not input by the input unit or the insurance amounts corresponding to the special contracts A plan may be extracted.

According to a third aspect of the present invention, there is provided a product plan providing apparatus for presenting a product plan in which a plurality of products are combined, the product plan database storing the product plan in association with the attribute of the product plan. An input unit for inputting information relating to the attribute of the product plan desired by the user as a search condition; an extraction unit for extracting the product plan that matches the input search condition from the product plan database; And an output unit that outputs at least one of the plurality of products included in the product plan.

[0016] The attribute of the product plan may be a charge of the product plan.

The provided information database for storing provided information on the insurance plan, and a search condition for searching for the insurance plan stored in the user terminal used by the user. An additional information selecting unit that selects the additional information that matches the plan. The input unit may input the search condition from the user terminal via the Internet, the output unit transmits the provided information selected by the provided information selection unit to the user terminal via the Internet You may output it to.

[0018] The apparatus may further include a search condition writing unit for storing the search condition in the user terminal when the input unit inputs the search condition from the user terminal.

According to a fourth aspect of the present invention, there is provided an information providing apparatus for providing information to a user, wherein the provided information database stores the provided information to be provided to the user, and a reference request for referring to the provided information is transmitted to the user. An input unit that inputs from a terminal, a reference history acquisition unit that receives a reference history from the user terminal that records information about the reference source that the user terminal referred to the provided information, and the user terminal from the reference history A search condition detection unit that transmits a reference condition and detects a search condition for searching for the provided information, and when the search condition detection unit detects the search condition, provides the search condition to the user terminal based on the search condition. The information processing apparatus further includes a provided information selecting unit that selects the provided information, and an output unit that outputs the provided information selected by the provided information selecting unit to the user terminal.

According to a fifth aspect of the present invention, there is provided an insurance plan providing method for presenting a plurality of insurance plans having different combinations and different insurance amounts by combining a plurality of compensation items and insurance amounts corresponding to the compensation items. Extracting the insurance plan that matches the insurance amount desired by the user from an insurance plan database storing the insurance plan and the insurance amount in association with each other; and extracting the plurality of insurance plans of the extracted insurance plan. At least one of the compensation items
Presenting one to the user.

According to a sixth aspect of the present invention, there is provided an insurance plan providing method for presenting a plurality of insurance plans in which a plurality of compensation items and insurance amounts corresponding to the compensation items are combined and wherein the combination and the insurance amount are different. Extracting the insurance plan that matches the insurance premium desired by the user from an insurance plan database that stores the insurance plan and the insurance premium of the insurance plan in association with each other; Presenting at least one of a plurality of compensation items to the user.

A seventh aspect of the present invention is a product plan providing method for presenting a product plan, wherein the product plan including a product desired by a user is replaced with a plurality of product plans obtained by combining a plurality of products. Extracting from a product plan database stored in association with plan attributes;
Presenting at least one of the plurality of products included in the extracted product plan to the user.

According to an eighth aspect of the present invention, there is provided an information providing method for providing information to a user terminal, comprising: inputting a reference request for referring to the provided information from the user terminal; Inputting, from the user terminal, a reference history in which information regarding the reference source that referred to information is detected, and detecting a search condition for searching for the provided information transmitted from the reference history to the reference source by the user terminal. Selecting the provided information to be provided to the user terminal based on the search condition when the search condition detecting unit detects the search condition; and providing the selected provided information to the user terminal. And outputting to the

A ninth aspect of the present invention is a recording medium for storing a program for presenting an insurance plan, the program comprising: an input module for inputting the insurance amount desired by a user; Is extracted from an insurance plan database that stores a plurality of insurance plans that combine a plurality of compensation items and has different insurance amounts determined by the plurality of compensation items, in association with the insurance amounts. An extraction module, and an output module that outputs at least one of the plurality of compensation items of the extracted insurance plan.

A tenth aspect of the present invention is a recording medium for storing a program for presenting an insurance plan, the program comprising: an input module for inputting the premium desired by a user; An insurance plan that stores the insurance plan that matches the insurance plan in which a plurality of insurance plans are combined with a plurality of insurance items and the insurance amounts determined by the plurality of insurance items are different from each other and the insurance premium of the insurance plan. The system includes an extraction module for extracting from the database and an output module for outputting at least one of the insurance items of the extracted insurance plan.

According to an eleventh aspect of the present invention, there is provided a recording medium for storing a program for presenting a product plan in which a plurality of products are combined, wherein the program stores information on an attribute of the product plan desired by a user. An input module for inputting as a search condition, and an extraction module for extracting the product plan that matches the input search condition from a product plan database storing the product plan and the attributes of the product plan in association with each other. An output module for outputting at least one of the plurality of products included in the product plan.

A twelfth aspect of the present invention is a recording medium for storing a program for providing information to a user, the program comprising: an input module for inputting a reference request for referring to the provided information from the user terminal; A reference history acquisition module for inputting from the user terminal a reference history in which the user terminal records information about the reference source that referred to the provided information, and the user terminal output from the reference history to the reference source, A search condition detecting module for detecting a search condition for searching for provided information, and providing, when the search condition detecting unit detects the search condition, selecting the provided information to be provided to the user terminal based on the search condition An information selection module; and an output module for providing the selected provided information to the user terminal.

Note that the above summary of the present invention does not list all of the necessary features of the present invention, and sub-combinations of these features can also constitute the present invention.

[0029]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described through embodiments of the present invention. However, the following embodiments do not limit the claimed invention and have the features described in the embodiments. Not all combinations are essential to the solution of the invention.

The "access request" in the detailed description corresponds to the "reference request" described in the claims. The “receiving unit” and “transmitting unit” in the detailed description are
It corresponds to the “input unit” and the “output unit” described in the claims.

FIG. 1 shows an entire system including an insurance plan providing apparatus 10 characteristic of the present invention. This system is
It includes an insurance plan providing device 10 and a user terminal 30. When receiving an access request for providing information on an insurance plan from the user terminal 30 via the Internet 20, the insurance plan providing apparatus 10 provides information on the insurance plan to the user terminal 30 via the Internet 20. When receiving the insurance plan search condition specifying the insurance plan from the user terminal 30 via the Internet 20, the insurance plan providing apparatus 10 also transmits information on the insurance plan that matches the received insurance plan search condition via the Internet 20. Transmit to the user terminal 30.

FIG. 2 shows a functional configuration of the insurance plan providing apparatus 10. The insurance plan providing device 10 includes a receiving unit 100
, An extraction unit 102, a search condition writing unit 104, a reference history acquisition unit 106, a provided information selection unit 108, a search condition detection unit 110, a transmission unit 112, and a page creation unit 114.
And an insurance plan database 120 and a provision information database 130.

The insurance plan database 120 stores an insurance plan to be provided to the user.

The insurance plan includes a plurality of compensation items, and the plurality of compensation items have one main contract and one concession contract. Some insurance plans do not have special contracts. Furthermore, the insurance amount of each compensation item included in the insurance plan is also included. Furthermore, the insurance plan also includes conditions for users who can subscribe to the insurance plan and conditions for enrollment including contents to be designated by the user. One insurance plan of the plurality of insurance plans is different from the other insurance plans in at least one of a combination of a plurality of compensation contents, an insurance amount of each compensation item, and a subscription condition. The insurance plan database 120 stores data of all these insurance plans.

The insurance plan database 120 includes a master file 122 including a master table storing the insurance plan for each age of the insured person, and a compensation item table storing the insurance plan for each combination of the compensation items included in the insurance plan. Includes insurance coverage item file 124. The provided information database 130 stores Web page information on Web pages to be displayed on the display unit 32 of the user terminal 30.

The receiving unit 100 receives information such as an access request and insurance plan search conditions from the user terminal 30 via the Internet 20. The extracting unit 102 includes the receiving unit 1
Receive insurance plan search conditions from 00. Extraction unit 102
Extracts from the insurance plan database 120 an insurance plan that matches the received insurance plan search condition. The extraction unit 102 provides the extracted insurance plan with the provided information selection unit 10
Send to 8.

The search condition writing unit 104 searches the information received by the receiving unit 100 for insurance plan search conditions. The search condition writing unit 104 extracts the insurance plan search condition, and sends a write command to the transmitting unit 112 to instruct the user terminal 30 that has transmitted the insurance plan search condition to write the insurance plan search condition. In the present embodiment, the insurance plan search condition is written in a cookie (Cookie) used by the Web page browser of the user terminal 30.

The reference history acquisition unit 106 acquires a cookie from the reception unit 100. The search condition detection unit 110 detects an insurance plan search condition from the cookie received by the reference history acquisition unit 106. The search condition detection unit 110 detects the provided information selection unit 108 when detecting the insurance plan search condition.
Send insurance plan search conditions to.

The provided information selecting unit 108 extracts Web page information to be provided to the user terminal from the provided information database 130 based on the information received from the extracting unit 102 and the search condition detecting unit 110.

The page creation section 114 is provided by the provided information selection section 1
A web page to be provided to the user terminal 30 is created based on the information received from the server 08 and sent to the transmission unit 112. The transmission unit 112 transmits the Web page received from the page creation unit 114 and the write command received from the search condition writing unit 104 to the user terminal 30 via the Internet 20.

FIG. 3 shows the data structure of the cookie file 300 written in the user terminal 30 by the write command. The cookie file 300 has a file name for identifying the insurance plan providing apparatus 10. Alternatively, the file includes information for identifying the insurance plan providing apparatus 10. The cookie file 300 stores a user ID, insurance plan search conditions, last access date and time, number of accesses, and the like. User identification information for identifying the user of the user terminal 30 is written as the user ID. The insurance plan search condition transmitted from the user terminal 30 to the insurance plan providing device 10 is written as the insurance plan search condition. As the last access date and time, the last date and time when the user terminal 30 accesses the insurance plan providing device 10 is written. The number of times the user terminal 30 has accessed the insurance plan providing apparatus 10 is written as the number of accesses.

As described above, the insurance plan providing device 10
The cookie file 300 can be written to the user terminal 30 that has accessed the apparatus. Further, when the user terminal 30 that has already written the cookie file 300 of the insurance plan providing apparatus 10 accesses again, the insurance plan providing apparatus 10 can read the cookie file 300 of the user terminal 30. Therefore, the insurance plan providing apparatus 10 can acquire the insurance plan search condition from the cookie file 300 stored in the user terminal 30 when the user terminal 30 accesses.

FIG. 4 shows a master file 122 stored in the insurance plan database 120. The master file 122 includes a master table for each age of the insured who takes out the insurance. Master tables 122a, b, c,...
Stores an insurance plan name and insurance plan subscription conditions in association with the insurance plan number for identifying the insurance plan. The terms and conditions of participation include the insured's gender, insurance period, payment method, total premiums, family covenants, death coverage, and the like.

The insurance plan number field stores an identification number for identifying an insurance plan. The insurance plan name field stores the name of the insurance plan. In the insurance period field, information specifying the number of years such as 5 years, 10 years, or the like, and the insurance period such as 80 years of age or lifetime is stored. In the payment method field, prepaid, semi-annual payment, lump sum payment, etc.
Information specifying how to pay the insurance premium is stored.

The total premium field stores the premium paid by the insured. The family special contract field stores information specifying a family, such as a wife type, a child type, and a wife-child type. The death protection field stores information indicating that death protection is specified or not specified.

As described above, the master file 122 stores the insured's joining conditions including the insurance premium in association with the plan number. Therefore, the extraction unit 102 can extract the insurance plan using the insurance premium and at least a part of the insured's joining conditions as search keys.

The 18-year-old master table 122a stores all insurance plans for the 18-year-old insured.
That is, an insurance plan is stored in which all combinations of compensation items for the 18-year-old insured person and combinations of all insurance amounts corresponding to each compensation item are different. 19
The composition of the insurance tables 122b, c,.
The configuration is the same as that of the 18-year-old insurance plan table 122a.

As described above, the master file 122 stores all insurance plans corresponding to insurance premiums. Therefore, when the insurance premium is received from the user terminal 30 as the insurance plan search condition, the extracting unit 102 uses the master tables 122a, b, c,. Can be extracted.

The insurance plan number in the present embodiment is a 14-digit number. The first two digits 200 stored in the insurance plan number indicate the classification of the insurance plan. The three to four digits 202 of the number indicate the insurance amount corresponding to the main contract. 5 to 7 digits 204 of the number indicate the insurance plan name. The eight digits 206 of the number indicate the gender of the insured person. The 9th to 10th digits 208 of the number indicate the age of the insured. Numerals 11 to 12 210 indicate the insurance period. Number 13 ~
The 14 digits 212 indicate the method of paying the insurance premium. As described above, since the insurance plan number indicates information on the insurance plan, the extraction unit 102 can extract an insurance plan that matches the insurance plan search condition using the plan number as a search key.

Thus, the insurance plan numbers 8 to 1
The four-digit numbers 206, 208, 210, and 212 are numbers corresponding to the insured's enrollment conditions. Therefore, the extraction unit 1
02 is 8 to 1 from the subscription condition input by the user.
By specifying a four-digit number and using this number as a search key, an insurance plan that matches the insurance plan search conditions can be extracted from the master file 122.

FIG. 5 shows a compensation item file 124 in which main compensation items are created for each insurance plan. The compensation item file 124 includes a compensation item table 1 created for each insurance plan in which the main compensation items included in the insurance plan are equal.
24a, b, c...

The plan number field stores a number indicating an insurance plan. The plan number is composed of seven digits, and these numbers are
The number 1 to 1 stored in the master number field 2
Corresponds to 7 digits. The first or second digit 200 of the number indicates the classification of the insurance plan. The three to four digits 202 of the number indicate the insurance amount corresponding to the main contract. The 5-7 digits 204 of the number
Indicates the insurance plan name. The main contract field stores the contents of the main contract of the insurance plan. The special contract field stores the contents of the special contract included in the insurance plan.
Examples of special contracts include outpatient special contracts, discharge special contracts, specific sickness special contracts, term insurance special contracts, disaster death benefit special contracts, wife-type medical special contracts, and child-type medical special contracts. An insurance amount field for storing an insurance amount corresponding to the main contract and the special contract is provided for each contract.

The 01 compensation item table 124a stores the insurance plan in which the first or second digit of the plan number field is 01, that is, all the insurance plans in which the compensation item corresponds to 01. In the 02 main contract table 124b, the 03 compensation item table 124c..
2,03 insurance plans, in other words, each of the compensation items is 0
All insurance plans corresponding to 2,03 are stored.

As described above, the compensation item file 124 is
The insurance amount of the main contract and the insurance amount of the special contract are stored in association with the plan number. Therefore, the extraction unit 102
The plan number is extracted from the insurance plan extracted in the master file 122, and in the compensation item file 124,
Compensation items stored in correspondence with the extracted plan number and insurance amounts corresponding to the compensation items can be extracted. As described above, the extraction unit 102 can extract the insurance plan, the compensation items included in the insurance plan, and the insurance amount from the insurance premium.

As described above, the compensation item file 12
4 stores the insurance amount corresponding to the plan number, so that the insurance plan can be searched using the insurance amount as a search key. Further, the master number and the plan number include numbers indicating the insurance amount. Therefore, the insurance plan can be searched using the number indicating the insurance amount included in the master number and the plan number as a search key. As described above, the extraction unit 102 can extract the insurance plan, the compensation items included in the insurance plan, and the insurance premium from the insurance amount.

FIG. 6 shows the display unit 3 of the user terminal 30 that displays the Web page received from the insurance plan providing device 10.
2 is shown. The Web page in this figure is an input page for inputting insurance plan search conditions, and is displayed when the user selects hospitalization insurance as the main contract. The user inputs the amount of the insurance premium or the amount of insurance to be designated in accordance with the contents shown on the display unit 32. The user shall also be entitled to the terms of insurance,
Enter the date of birth and gender of the insured person and the insured person. The insurance plan search conditions entered in the input page of this figure are as follows: the main contract is hospitalization security, insurance premium 4000 yen, monthly payment as participation conditions, male, insurance period 10 years, birth date September 30, 1970, compensation target Is himself.

When the GO displayed on the display section 32 is selected, the insurance plan search conditions input by the user are transmitted to the insurance plan providing apparatus 10 via the Internet 20. In this way, the user can search for an insurance plan without specifying the type of insurance plan.

FIG. 7 shows a display unit 32 of the user terminal 30 which displays a search result for the insurance plan search conditions shown in FIG.
Is shown. Thus, when the designation of the insurance premium of 4000 yen is input, all the insurance plans with the insurance premium of around 4000 yen are displayed. Also, corresponding to the displayed insurance plan,
The contents of the special contract included in the insurance plan and the insurance amount are displayed. Thus, when the user specifies the insurance premium, the user can view the insurance plan with the insurance premium of about 4000 yen without specifying the insurance plan. In other words, it is possible to search for all insurance plans that match the entered premium without specifying a special contract, so that it is possible to search for an insurance plan without determining detailed conditions such as the special contract and the insurance amount corresponding to the special contract. can do.

FIG. 8 shows a screen displayed on the display unit 32 when the user clicks the GO button of the desired insurance plan from the search results displayed in FIG. In this way, the main contract and the details of the special contract included in the insurance plan designated by the user, and the insurance amount corresponding thereto are displayed. Therefore, the user can know more detailed contents of the insurance plan. Further, when the change button displayed on the display section 32 is clicked, the amount of the plan is changed. This allows the user to further search for insurance plans with different insurance amounts in the same plan. When the change button is selected, the screen after the change is displayed on the display unit 32.

FIG. 9 is a flowchart showing a detailed operation of the insurance plan providing apparatus 10 when providing an insurance plan to the user terminal 30. This flowchart shows the operation of the insurance plan providing apparatus 10 when the main contract, the insurance premium, and the enrollment conditions of the insured are input from the user terminal 30. When the receiving unit 100 of the insurance plan providing device 10 receives the access request from the user terminal 30, the transmitting unit 112
Transmits the input page to the user terminal 30 (S10
0). Next, the insurance plan search condition input by the user is received from the user terminal 30 (S102). Next, the search condition writing unit 104 acquires the insurance plan search condition input by the user, and sends a write command to write the insurance plan search condition to the transmission unit 112. Transmission unit 112
Transmits a write command to the user terminal 30 (S10
4).

Next, the extracting unit 102 creates a master number from the insurance plan search conditions received by the receiving unit 100 (S106). Next, the extraction unit 102 determines the insurance plan database 12 based on the created master number.
The master table corresponding to the age of the insured is extracted from the master file 122 stored in 0 (S108).
Next, using the created master number as a search key, the extraction unit 102 extracts an insurance plan that matches the main contract entered by the user from among the insurance plans associated with the age of the insured in the master table ( S110). Next, the extraction unit 102 uses the plan number of the extracted insurance plan as a search key to
The main contract, the special contract, and the insurance amount included in the extracted insurance plan are extracted (S112).

Next, the extracting unit 102 sends the extracted insurance plan to the provided information selecting unit 108. Provided information selection unit 108
Embeds the search result received from the extraction unit 102 in a Web page. The transmitting unit 112 transmits the search result page in which the search result is embedded to the user terminal 30 (S11).
4). Next, when information indicating a change in the insurance plan search content is input from the user terminal 30 (S116), the extraction unit 102 extracts an insurance plan that matches the changed condition in the same plan from the insurance plan database 120. (S118), the process jumps to S112. If the conditions are not changed in S116, the operation of the insurance plan providing apparatus 10 ends.

As described above, the insurance plan database 12
0 stores the insurance premium and the insurance plan in association with each other, so that a plurality of different insurance plans can be extracted based on the premium specified by the user.

In FIG. 9, the operation of the insurance plan providing apparatus 10 when the insurance premium and the enrollment condition of the insured person are designated by the user has been described. Next, the detailed operation of the insurance plan providing apparatus 10 when the main contract, the insurance amount, and the joining conditions are received from the user will be described with reference to FIG.
In this case, in S112, the extraction unit 102 extracts the main contract, the special contract, and the insurance amount included in the insurance plan extracted in S110 from the plan classification file 124 using the extracted plan number of the barking plan as a search key. I do.

S100 to S110, S114 to S1
The operations of the insurance plan providing apparatus 10 in S16 and S118 are the same as the operations of the insurance plan providing apparatus 10 when the user receives the insurance premium and the enrollment conditions, and thus the description is omitted.

As described above, the insurance plan database 12
0 means that all insurance plans are different in terms of compensation items, premiums, insurance amounts, and insured's enrollment conditions, etc., assuming a combination of compensation items and insurance amounts corresponding to compensation items. Is stored in association with the insurance premium. Therefore, when the subscription condition and the insurance premium are received as insurance plan search conditions, a plurality of insurance plans with different compensation items can be provided to the user terminal 30 using these conditions as search keys. When the subscription condition and the insurance amount are received as insurance plan search conditions, a plurality of insurance plans with different compensation items can be provided to the user terminal 30 using these conditions as search keys.

Also, the insurance plan database 120
Since the premium of the insurance plan is stored corresponding to the insurance plan, when the user specifies the insurance amount, the insurance plan that satisfies the specified insurance amount is calculated and the insurance premium is calculated. Instead, the insurance plan corresponding to the designated insurance amount can be provided using the insurance plan database 120. Therefore, the user terminal 3
When the search condition is received from 0, the search result can be quickly returned to the user terminal 30. Also, like this:
Since all insurance plans are stored in association with the detailed contents of the insurance plan, various conditions are used as search keys,
You can search for insurance plans.

Next, a detailed operation of the insurance plan providing apparatus 10 when a part of the compensation items and the subscription conditions are received from the user will be described with reference to FIG. In this case, S108
Then, a plan including compensation contents is extracted using the compensation item file 124. Next, in S112, an insurance plan that further matches the subscription condition is extracted from the extracted insurance plan.
S100 to S108, S114 et al. S116 and S11
The operation of the insurance plan providing apparatus 10 in FIG. 8 is the same as the operation of the insurance plan providing apparatus 10 when the user receives the insurance premium and the joining conditions, and thus the description is omitted.

As described above, the insurance plan database 12
0 stores the compensation item and the insurance plan in association with each other, so that a plurality of different insurance plans can be extracted based on the compensation item specified by the user.

As another mode, in the present embodiment, the extraction unit 102 extracts an insurance plan using insurance premiums or claims, a main contract, and subscription conditions as insurance plan search conditions. At least one special contract may be added to the insurance plan search condition. Further, for example, the main contract may be excluded from the insurance plan search conditions, and the insurance premium or insurance money, the special contract, and the joining conditions may be used as the insurance plan search conditions. Thus, the combination of the insurance plan search conditions is not limited to the present embodiment.

As still another form, in S110 in the present embodiment, an insurance plan that matches the insurance amount is extracted using the plan classification table. Instead, the insurance plan identification described in FIG. The insurance plan that matches the insurance amount may be searched using the number 202 indicating the insurance amount included in the information. Thus, using the master file 122, it is possible to extract an insurance plan that matches the insurance amount specified by the user.

As another form, in the present embodiment, the extracting unit 102 extracts the insurance plan based on the insurance amount or premium and the enrollment condition. Receiving and extracting unit 102
May extract an insurance plan based on insurance premiums or insurance amounts, enrollment conditions, and compensation items specified by the user.

FIG. 10 shows a case where information is provided to the user terminal 30 that has accessed the insurance plan providing apparatus 10.
5 is a flowchart showing the operation of the insurance plan providing device 10. The receiving unit 100 receives an access request from the user terminal 30 via the Internet 20 (S20
0). Next, the reference history acquisition unit 106
(S202), the search condition detecting unit 110 detects the insurance plan search condition from the cookie. When the insurance plan search condition is detected (S204),
The search condition detection unit 110 sends the insurance plan search conditions to the provided information selection unit 108.

The provided information selecting section 108 provides the provided information database 130 based on the received insurance plan search conditions.
Is selected from the list (S206). For example, when the insurance plan search condition is a condition for specifying hospitalization insurance, the provided information selection unit 108 selects a hospitalization insurance page. Next, the transmitting unit 112 transmits the Web page received from the provided information selecting unit 108 to the user terminal 30 (S208). If the cookie has not been acquired in S202 and the insurance plan search condition has not been acquired in S204, the provided information selecting unit 108 sets a default page for displaying a default initial screen to be provided to the user in the provided information database. Select from 130 (S210), and jump to S208. Thus, the operation of the insurance plan providing device 10 ends.

As a result, the previous insurance plan providing device 1
When the user terminal 30 who has accessed 0 accesses the insurance plan providing apparatus 10 again, the insurance plan providing apparatus 10 first accesses the user terminal 30 to a page related to the insurance plan searched when the user terminal 30 previously accessed. Can be provided.

Referring to FIG. 10, a case will be described in which the user terminal 30 searches for an insurance plan using a search engine or the like and accesses the insurance plan providing apparatus 10 by a link provided on a search page. In S200, when receiving the access request from the user terminal 30, the reference history obtaining unit 106 obtains link source information from the access request. When the access request is acquired (S202), the search condition detection unit 110 detects the insurance plan search condition from the environment variables. When the insurance plan search condition is detected (S20)
4), the search condition detecting unit 110 includes the provided information selecting unit 108
Send the insurance plan search conditions to. When the insurance plan search condition is not acquired from the access request, such as when the user terminal 30 directly specifies the URL address in S204, the provided information selection unit 108 jumps to S210.

Hereinafter, S206 to S208 and S210
The detailed operation of the insurance plan providing apparatus 10 in FIG.
0 is the same as the detailed operation of the insurance plan providing apparatus 10 described with reference to FIG.

FIG. 11 shows a search page displayed on the display section 32 of the user terminal 30. When the user inputs hospitalization insurance as an insurance plan search condition on this search page, a link to Aliko Japan is displayed.

FIG. 12 shows a state where the user presses the link button to Aliko Japan in FIG.
Shows a page of Aliko Japan displayed on the display unit 32 of the display. As described above, when the hospitalization insurance is entered as the insurance plan search condition in the search site, the page showing the hospitalization insurance can be displayed without displaying the homepage of the Aliko Japan site.

Next, an insurance plan providing apparatus 10 according to the second embodiment will be described. The insurance plan providing apparatus 10 according to the present embodiment further includes a user database 140. In this regard, the insurance plan providing device 1 of the second embodiment
0 is different from the insurance plan providing apparatus 10 of the first embodiment.

FIG. 13 shows the user information database 140
Is shown. The user information database 140 contains the user I
The insurance plan search condition, the last access date and time, the number of accesses, and the like are stored in association with D. As described above, since the insurance plan search conditions are stored in the user information database 140 in association with the user ID, when the access request is received from the user terminal 30, the insurance plan search used by the user for the search is performed for the user. A page that meets the conditions can be provided. In this case, the reference history acquisition unit 10
6 obtains information for identifying the user from the user terminal 30, and the provided information selection unit 108 extracts the insurance plan search condition corresponding to the received user identification information from the user database 140. Other insurance plan providing device 1
The configuration and operation of 0 are the same as the configuration and operation of the insurance plan providing apparatus 10 in the first embodiment described with reference to FIGS.

FIG. 14 shows a hardware configuration of the insurance plan providing apparatus 10 according to the third embodiment. The insurance plan providing device 10 in the first embodiment may be realized by a general-purpose computer. The computer 300 has a CPU
50, a ROM 52, a RAM 54, a communication interface 56, and a database interface 58. The CPU 50 operates based on programs stored in the ROM 52 and the RAM 54. The communication interface 56 communicates with the outside via the Internet 40. The database interface 58 writes data into the database and updates the contents of the database. The hard disk drive 60 as an example of the storage device stores setting information and a program that the CPU 50 operates.

The floppy (registered trademark) disk drive 62 reads data or a program from the floppy disk 64 and provides the data or program to the CPU 50. The CD-ROM drive 66 reads data or a program from the CD-ROM 68 and provides it to the CPU 50. The communication interface 56 transmits and receives data by connecting to the communication network 30. The database interface 58 includes the provided information database 12, the reference source information database 14,
It connects to the user information database 16 to transmit and receive data.

The software executed by the CPU 50 is stored in a recording medium such as the floppy disk 64 or the CD-ROM 68 and provided to the user. The software stored on the recording medium may be compressed or uncompressed. The software is installed in the hard disk drive 60 from the recording medium, read into the RAM 54, and executed by the CPU 50.

The software stored and provided on the recording medium, that is, the software installed on the hard disk drive 60 has a receiving module, a search condition writing module, a reference history acquisition module, a search condition detection It has a module, an extraction module, a provided information selection module, a page creation module, a transmission module, a communication interface 56, and a database interface 58. Each of the modules works on the computer 300 and the CPU 5
0 are the same as the functions and operations of the corresponding members in the insurance plan providing apparatus 10 according to the first embodiment, and thus the description thereof is omitted.

A floppy disk 64 or a CD-ROM 68 as an example of a recording medium shown in FIG.
Some or all functions of the operation of the insurance contract processing device according to all the embodiments described in the present application can be stored.

These programs are directly stored in R
The program may be read out to the AM and executed, or may be read out to the RAM and executed once after being installed in the hard disk drive. Further, the program may be stored on a single recording medium or a plurality of recording media. Further, the information may be stored in an encoded form.

As a recording medium, a floppy disk,
In addition to CD-ROM, optical recording media such as DVD, MD
, A magneto-optical recording medium such as a PD, a tape medium, a magnetic recording medium, and a semiconductor memory such as an IC card or a miniature card. Further, a storage device such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet may be used as a recording medium, and the program may be provided to the insurance contract processing device via the communication network. Such a recording medium is used only for manufacturing an insurance contract processing device, and the manufacture and sale of such a recording medium as a business constitutes infringement of a patent right based on the present application. Is clear.

Although the present invention has been described using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. Various changes or improvements can be added to the above embodiment. It should be noted that such modified or improved embodiments may be included in the technical scope of the present invention.
It is clear from the description of the claims.

As a first modification, in the present embodiment, the insurance plan database 120 stores the insurance premium in association with the insurance plan, but may further include an insurance premium calculating unit. . In this case, the insurance plan database 120 does not need to store the insurance premium and the insurance plan in association with each other.
The insurance premium is calculated based on the insurance premium received from the user and the guarantee items included in the insurance plan. As a result, it is possible to extract the insurance plan and the insurance premium of the insurance plan that match the insurance amount received from the user.

As a second modification, in the present embodiment, an insurance plan providing apparatus 10 for providing an insurance plan is provided.
However, the plan to be provided is not limited to the insurance plan. For example, a product plan providing apparatus that provides a user with a product plan in which a plurality of products are combined and set may be used.

The product may be, for example, a travel plan combining a plurality of options. The travel plan has compensation items such as hotel rank or accommodation cost, meal cost, flight rank, and optional tour,
The product plan database stores the travel plan and the total price of the travel plan in association with each other. In the travel plan, the application conditions defined by the applicant include the destination, the number of people, the number of days of travel, the date, and the like. For example, when the rank of a hotel and the total price of a travel plan are input as search conditions, all travel plans that match these can be presented. Furthermore, it may be used for stock portfolios. In this case, there are compensation items such as a stock brand and the number of shares. For example, when a stock name and an investment amount are input as search conditions, a combination of all stocks that match the input can be provided. in this way,
The product plan providing apparatus according to the present embodiment can efficiently provide a user with a product plan in which a plurality of products are combined.

As a third modification, the present embodiment has been described with respect to insurance mainly on hospitalization insurance, but the type of insurance is not limited to this. For example, it may be fire insurance, travel insurance, or car insurance. In the case of travel insurance, compensation items include disability, illness, liability, and personal belongings. In addition, the conditions for enrollment include the age of the traveler,
The travel period is included. Also, for car insurance,
The guarantee items include personal injury compensation, personal compensation, objective compensation, vehicle insurance, passenger disability, and the like. The conditions for enrollment include the insurance period, the age of the insured person, the type of car, the limitation of the driver, and the presence or absence of a safety device.

As a fourth modification, in the present embodiment, the search condition detecting section 110 has searched for insurance plan search conditions relating to insurance, but the search range is not limited to insurance. For example, it may be a product other than insurance that the user desires to purchase. Further, for example, the information may be information that the user wants to obtain. In any case, the insurance plan search conditions and the range of contents to be searched are not limited to the present embodiment.

As a fifth modification, in the present embodiment, the customer accesses the insurance plan providing apparatus 10 via the Internet 20 and searches for the desired insurance plan. The man may search for the insurance plan desired by the customer and present the terminal screen on which the search result is displayed to the customer. Further, the search results may be printed out, for example, and the salesperson may provide the customer with a table of the output search results.

[0096]

As is clear from the above description, according to the present invention, it is possible to efficiently provide information on a product that meets a user's desire to a user terminal via the Internet.

[Brief description of the drawings]

FIG. 1 is a diagram showing an entire system including an insurance plan providing apparatus 10;

FIG. 2 is a diagram showing a functional configuration of the insurance plan providing apparatus 10.

FIG. 3 is a diagram showing a data structure of a cookie file 300.

FIG. 4 is a diagram showing a master file 122.

FIG. 5 is a diagram showing a compensation item file 124.

FIG. 6 is a diagram showing an input page displayed on a display unit 32.

FIG. 7 is a diagram showing a search result page displayed on a display unit 32.

FIG. 8 is a diagram showing a detailed page of an insurance plan displayed on a display unit 32.

FIG. 9 is a flowchart showing a detailed operation of the insurance plan providing apparatus 10 when providing an insurance plan to the user terminal 30.

FIG. 10 is a flowchart illustrating a detailed operation of the insurance plan providing apparatus 10 when providing information to the user terminal 30 that has accessed the insurance plan providing apparatus 10.

FIG. 11 is a diagram showing a page of a search site displayed on a display unit 32.

FIG. 12 is a diagram showing a Web page displayed on a display unit 32 when a link is made from a search site.

FIG. 13 is a diagram showing a user database 140.

FIG. 14 is an insurance plan providing device 1 according to the third embodiment.
FIG. 2 is a diagram illustrating a hardware configuration of a hardware configuration of the H.0.

[Description of Signs] 10: Insurance plan providing device 20: Internet
30 ... User terminal 50 ... CPU 52 ... ROM 54 ... RAM 5
6 Communication interface 58 Database interface 100 Receiver 102 Extractor
104 ... search condition writing unit 106 ... reference history acquisition unit 108 ... provided information selection unit 110 ... search condition detection unit 112 ... transmission unit 114 ... page creation unit 1
20 insurance plan database 122 master file 124 plan classification file 130 provided information database 200 cookie file

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Inventor Sumio Shimojo F-term in the AIG Tower American Life Insurance Company 1-4-2 Kinshi, Sumida-ku, Tokyo (reference) 5B055 BB12 CC00 EE04 EE27 FA08 FB03

Claims (23)

[Claims] 1. An insurance plan providing apparatus for presenting an insurance plan, wherein a plurality of insurance plans and the insurance amount differing in the combination and the insurance amount are obtained by combining a plurality of compensation items and insurance amounts corresponding to the compensation items. An insurance plan database that stores amounts in association with each other, an input unit that inputs the insurance amount desired by the user, an extraction unit that extracts the insurance plan that matches the input insurance amount from the insurance plan database, An output unit configured to output at least one of the plurality of compensation items of the extracted insurance plan. 2. The insurance plan includes an insurance amount corresponding to each of the plurality of compensation items, and the plurality of insurance plans have different insurance amounts corresponding to each of the plurality of compensation items. Item 2. The insurance plan providing device according to item 1. 3. The insurance plan database further stores an insurance premium corresponding to the insurance plan in association with the insurance plan, and the extracting unit stores the insurance plan in accordance with the insurance plan and the insurance plan. The said premium stored in a database is extracted, The said output part outputs at least one of the said several compensation item and the said premium. The Claim 1 characterized by the above-mentioned.
Or the insurance plan providing device according to 2. 4. An insurance premium calculation unit that calculates an insurance premium corresponding to the insurance plan based on the insurance amount input by the input unit and the plurality of compensation items of the insurance plan extracted by the extraction unit. The output unit outputs at least one of the plurality of compensation items and the insurance premium.
Or the insurance plan providing device according to 2. 5. An insurance plan providing apparatus for presenting an insurance plan, wherein a plurality of insurance plans are combined, and a plurality of insurance plans and insurance of the insurance plan having different insurance amounts determined by the plurality of insurance items are provided. An insurance plan database that stores premiums in association with each other, an input unit that inputs the premium that the user desires, and an extraction unit that extracts the insurance plan that matches the input premium from the insurance plan database. An insurance plan providing device, comprising: the extracted insurance plan; and an output unit that outputs at least one of the plurality of compensation items of the insurance plan. 6. The input unit inputs at least a part of the plurality of compensation items, the extraction unit extracts an insurance plan having the input compensation items from the insurance plan database, and outputs the insurance plan. The unit outputs the plurality of compensation items of the extracted insurance plan, and at least one of the insurance premium and the insurance amount of the insurance plan, wherein: Insurance plan providing device. 7. The input unit inputs at least a part of the plurality of compensation items and the insurance amount, and the extraction unit extracts the insurance plan including the compensation item input by the input unit. 7. The insurance plan providing apparatus according to claim 1, wherein the insurance plan that matches the insurance amount input by the input unit is further extracted from the extracted insurance plan. 8. The input unit inputs at least a part of the plurality of compensation items and the insurance premium, and the extraction unit extracts the insurance plan including the compensation item input by the input unit. The insurance plan providing apparatus according to any one of claims 1 to 7, wherein the insurance plan that matches the insurance premium input by the input unit is further extracted from the extracted insurance plan. 9. The insurance plan database stores the insurance plan in association with the insurance enrollment condition, the input unit inputs the insurance amount or the insurance premium, and the enrollment condition, and 9. The insurance plan providing apparatus according to claim 1, wherein the unit extracts the insurance plan that matches the insurance amount or the insurance premium and the enrollment condition from the insurance plan database. 10. The plurality of compensation items are a main contract of the insurance plan and a special contract of the plural insurance plans, wherein the insurance plan includes at least one contract of the main contract and the special contract. The plurality of insurance plans are plans in which at least one of the presence or absence of the special contract, the combination of the main contract and the plurality of special contracts, and the insurance amount corresponding to the main contract and the insurance amount corresponding to the special contract are different. The input unit inputs the insurance amount desired by a user, and the extraction unit is substantially the same as the insurance amount of the main contract input by the input unit, and the input unit A plurality of the insurance plans having different combinations of the special contracts that have not been input or the insurance amounts corresponding to the special contracts are extracted. Insurance plan providing apparatus according to any one of the. 11. A product plan providing apparatus for presenting a product plan in which a plurality of products are combined, a product plan database storing the product plan in association with attributes of the product plan, and the product desired by a user. An input unit for inputting information on plan attributes as search conditions; an extraction unit for extracting the product plan that matches the input search condition from the product plan database; and an extraction unit included in the product plan extracted by the extraction unit And an output unit that outputs at least one of the plurality of products to be provided. 12. The product providing apparatus according to claim 11, wherein the attribute of the product plan is a charge of the product plan. 13. When the provided information database for storing provided information on the insurance plan and a search condition for searching for the insurance plan are stored in the user terminal used by the user, the search condition is satisfied. A providing information selecting unit that selects the providing information that matches the insurance plan, wherein the input unit inputs the search condition from the user terminal via the Internet, and the output unit selects the providing information. And outputting the provided information selected by the section to the user terminal via the Internet.
0. The insurance plan providing device according to any one of 0. 14. The apparatus according to claim 13, further comprising a search condition writing unit that stores the search condition in the user terminal when the input unit inputs the search condition from the user terminal. Insurance plan providing device. 15. An information providing apparatus for providing information to a user, comprising: an provided information database storing provided information to be provided to the user; and an input unit for inputting a reference request for referring to the provided information from the user terminal. A reference history acquisition unit that receives, from the user terminal, a reference history in which the user terminal has recorded information about the reference source that referred to the provided information, the user terminal transmitted from the reference history to the reference source, A search condition detection unit that detects a search condition for searching for provided information, and when the search condition detection unit detects the search condition,
A provision information selection unit that selects the provision information to be provided to the user terminal based on the search condition; and an output unit that outputs the provision information selected by the provision information selection unit to the user terminal. An information providing device characterized by the above-mentioned. 16. An insurance plan providing method for presenting a plurality of insurance plans in which a plurality of compensation items and the insurance amounts corresponding to the compensation items are combined, wherein the combination and the insurance amount are different from each other, wherein: Extracting the insurance plan that matches the insurance amount from an insurance plan database that stores the insurance plan and the insurance amount in association with each other; and at least one of the plurality of compensation items of the extracted insurance plan. Presenting the user to the user. 17. An insurance plan providing method for presenting a plurality of insurance plans in which a plurality of compensation items and the insurance amounts corresponding to the compensation items are combined, wherein the combination and the insurance amounts are different from each other, wherein the insurance desired by the user is provided. The insurance plan that matches the fee,
Extracting the insurance plan from the insurance plan database storing the insurance plan and the premium of the insurance plan in association with each other; and presenting at least one of the plurality of compensation items of the extracted insurance plan to the user. And an insurance plan providing method. 18. A product plan providing method for presenting a product plan, wherein the product plan including a product desired by a user is associated with a plurality of product plans obtained by combining a plurality of products with attributes of the product plan. A method for providing a product plan, comprising: extracting from a stored product plan database; and presenting at least one of the plurality of products included in the extracted product plan to the user. 19. An information providing method for providing information to a user terminal, comprising: inputting, from the user terminal, a reference request for referring to the provided information; and the reference source having referred to the provided information by the user terminal. Inputting a reference history recording information about the user terminal from the user terminal; detecting a search condition for searching for the provided information transmitted by the user terminal to the reference source from the reference history; and detecting the search condition. When the unit detects the search condition,
An information providing method, comprising: selecting the provided information to be provided to the user terminal based on the search condition; and outputting the selected provided information to the user terminal. 20. A recording medium for storing a program for presenting an insurance plan, the program comprising: an input module for inputting the insurance amount desired by a user; and an insurance module matching the input insurance amount. An extraction module that combines a plurality of compensation items and extracts from an insurance plan database that stores the plurality of insurance plans and the insurance amounts that are different in the insurance amount determined by the plurality of compensation items in association with each other; An output module that outputs at least one of the plurality of compensation items of the insurance plan. 21. A recording medium for storing a program for presenting an insurance plan, the program comprising: an input module for inputting the insurance premium desired by a user; and an insurance plan matching the input insurance premium. An extraction module that combines a plurality of compensation items and extracts from an insurance plan database that stores a plurality of the insurance plans and insurance premiums of the insurance plan in which the insurance amounts determined by the plurality of compensation items are different from each other. An output module for outputting at least one of the insurance items of the extracted insurance plan. 22. A recording medium for storing a program for presenting a product plan in which a plurality of products are combined, wherein the program is an input module for inputting information on an attribute of the product plan desired by a user as a search condition. And an extraction module for extracting the product plan that matches the input search condition from a product plan database that stores the product plan and the attributes of the product plan in association with each other, and is included in the extracted product plan. An output module that outputs at least one of the plurality of products. 23. A recording medium for storing a program for providing information to a user, the program comprising: an input module for inputting, from the user terminal, a reference request for referencing the provided information; A reference history acquisition module for inputting, from the user terminal, a reference history recording information on the reference source that referred to information; and a search condition for searching the provided information output by the user terminal to the reference source from the reference history. And a search condition detection module that detects, when the search condition detection unit detects the search condition,
A recording medium comprising: a provided information selection module that selects the provided information to be provided to the user terminal based on the search condition; and an output module that provides the selected provided information to the user terminal.