JP2002207879A - Service provision method and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a service provision method and a recording medium with which a service required to be received at an optional place is received by a simple operation method. SOLUTION: In the case that a portable telephone 1010 of a customer makes access, the step of acquiring the positional information of the portable telephone 1010, the step of specifying services such as a contacting processing required for the customer and the step of performing the processing of contacting a corresponding institution 1040 on the spot from the positional information are executed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a service providing method executed when providing a service desired by a customer, and a recording medium storing a program for executing the service providing method.

[0002]

2. Description of the Related Art At present, it is common practice to go on an overseas travel accident insurance before traveling.

[0003] A policyholder who has enrolled in overseas travel accident insurance, to prove the insurance coverage during his overseas travel,
"Overseas travel accident insurance contract certificate" issued by the insurance company
I always carry an "Overseas Travel Accident Insurance Contract Bookmark" with contact information and notes on accidents and illnesses when traveling overseas.

[0004] When an accident or illness actually occurs at an overseas travel destination, keep the contract certificate at hand and refer to the "contract bookmark" received at the time of the overseas travel accident insurance contract insured before departure for the overseas travel. Will do.

[0005] The following description is printed on the "bookmark of contract". (1) In case of injury or illness, contact number of local claim center, necessary procedures, usage precautions, etc. (2) Troubles other than injury or illness (for example, theft, damage, liability, etc. of belongings) ), The local claim center contact phone number,
Usage notes, etc. (3) How to make calls overseas (4) Simple English conversation about injuries and illnesses, English word examples, etc.

[0006] When a contractor actually suffers an accident or illness,
After carefully reading the relevant page of the “Bookmark of the Contract”, responding based on telephone contact to the local claim center,
The contractor himself does.

[0007]

[Problem to be Solved by the Invention] When a claim (injury, illness, theft, breakage, liability accident, etc. of the belongings, etc.) occurs, the contractor must make an overseas travel accident insurance contract while the claim is occurring. A telephone call to the claims center must be made while preparing a contract bookmark. In this regard,
Many large insurance companies have a claim center that can handle Japanese.

[0008] However, it is often difficult to know exactly where one is in an unfamiliar overseas place, and it is difficult to make telephone calls, accidents and illnesses, personal information of the contractor,
It is also difficult to accurately transmit the current location information to a claim center, a medical institution, a police organization, and the like. In some cases, there is also a danger to the contractor's own life, which may create anxiety for the contractor.

[0009] The above is not limited to the case of going abroad, but the same inconvenience or anxiety persists, for example, when the user goes to a strange land, and the tendency is particularly strong for elderly people and children.

[0010] The present invention has been made in view of the above problems, and provides a service providing method and a service providing a service required to be received at an arbitrary place by a simple operation method. It is intended to provide a recording medium storing a program for executing the providing method.

[0011]

Therefore, an arrangement according to the present invention is a computer-implemented service providing method for acquiring position information of a customer terminal device when the customer terminal device accesses the service providing method. And a step of acquiring a service desired by the customer, and a step of processing the service desired by the customer while reflecting the position information.

According to the above configuration, since the position information of the customer's terminal device has been acquired, the execution of the service requires
The position information can be reflected.

Recently, there is a terminal device such as a mobile phone having a new function equipped with a GPS (Global Positioning System) function, and such a terminal device accesses a computer. In such a case, the location information of the terminal device can be obtained as it is, without any operation by the customer.

There is also a concept that a multifunctional kiosk terminal device is installed in various places so that anyone can use it. When access is made using the kiosk terminal device, the location of the user can be specified from the individual identification numbers.

[0015] Therefore, for example, when the processing of the above-mentioned service includes the processing of contacting a predetermined institution, the customer accesses the computer using the above-mentioned customer terminal device and designates the desired service. By simply performing only the simple operation, the position information of the customer terminal device can be notified to the institution during the execution of the contact process. Therefore, even if the customer does not know exactly where he / she is, the computer reads the location information of the terminal device accurately, and in an emergency such as an accident, an emergency is requested to an agency or hospital where immediate dispatch is requested. By executing a contact process such as a dispatch request, the customer's exact location can be communicated, and support can be requested.

In the case where the service processing includes a process of presenting arbitrary information to the customer terminal device, the arbitrary information is translated and presented based on the position information of the customer terminal device. Will be able to do it. In other words, there may be cases where it is difficult to accurately convey the items that the customer wants to convey due to language impediments (for example, when it is simply not possible to speak a language prevailing in the area). For example, when going abroad as described above, it is often impossible for the customer to accurately report symptoms such as injuries and illnesses and the state of an accident encountered.
Therefore, the language to be translated is specified based on the customer's location information, the necessary translation is performed for the item that the customer wants to convey, and the translation is presented to the customer's terminal device, the destination computer, or the like. Good.

Further, a fourth aspect of the present invention is a computer-implemented service providing method, comprising the steps of: performing identity verification when a customer terminal device is accessed; and transmitting attribute information of the verified customer. It is characterized by executing a searching step, a step of acquiring a service desired by the customer whose identity has been confirmed, and a step of processing the service desired by the customer while reflecting the customer attribute information.

In the above configuration, the computer stores various attribute information of the customer (for example, name, gender, date of birth, nationality, blood type, medical history and health condition, insurance information, contact information related to the customer, credit information, Asset information, etc.) is stored in association with information necessary for confirming the identity of the person, so that if the identity of the accessing person is confirmed, the above-mentioned customer attribute information is reflected thereafter. While
It will be possible to process services desired by customers.

For example, if the information processing is included in the processing of the service, the provision of the customer attribute information required in the processing of providing the service can be directly performed. Of course, not all of the above attribute information is provided, and it is also possible to provide only the range necessary for providing the service requested by the customer. If necessary, the above-described translation processing may be performed to transfer the information.

According to a sixth aspect of the present invention, a computer-executable program is stored in order to cause a computer to execute the steps described in the first to fifth aspects. Stipulated recording medium. That is, as a configuration for solving the above-described problem, a recording medium that stores a program that is read and executable by the computer and that executes the above-described steps by using the configuration of the computer is disclosed. Of course, it goes without saying that these configurations may be provided not only as the configuration of the recording medium but also as a program that achieves the same function. In this case, the computer may be a general-purpose computer including the configuration of the central processing unit, or may include a dedicated machine or the like dedicated to a specific process. There is no particular limitation as long as it is accompanied.

When a program for executing the above steps is read out from such a recording medium by the computer, the same procedure as the steps defined in claims 1 to 5 is executed. Become.

[0022] Of the above, the configuration of claim 6 is the same as that of claim 1.
Specifically, when a customer terminal device accesses a computer, a step of acquiring position information of the customer terminal device and a step of acquiring a service desired by the customer And a step of processing a service desired by the customer while reflecting the position information.

The configuration of claim 7 corresponds to the configuration of claim 2, and as a specific configuration, when the service processing step by the computer includes a process of contacting a predetermined institution, The position information of the customer terminal device is notified to an institution.

An eighth aspect of the present invention corresponds to the third aspect of the present invention, and a specific configuration includes a process of presenting arbitrary information to a customer terminal device in the service processing step by the computer. In this case, the arbitrary information is translated and presented based on the position information of the customer terminal device.

A ninth aspect of the present invention corresponds to the fourth aspect of the present invention. Specifically, when a customer terminal device accesses a computer, an identification step is performed; Executing the step of searching for the attribute information of the customer who has been performed, the step of acquiring the service desired by the customer whose identity has been confirmed, and the step of processing the service desired by the customer while reflecting the customer attribute information. And a computer-readable recording medium storing a program to be executed.

The structure of claim 10 corresponds to the structure of claim 5. Specifically, when the information processing is included in the service processing step by the computer, the customer attribute information is stored. It is characterized by communicating.

With these recording media, this can be distributed as a software product. In addition, by using this software using existing hardware resources, the above-described configuration of the present invention as a new application can be easily executed on existing hardware. Further, in addition to the configuration of such a recording medium, the configuration of an internal storage device such as a RAM or a ROM, or the configuration of an external storage device such as a hard disk, can be stored in a storage defined by the present invention if such a program is recorded therein. Needless to say, it is included in the medium.

Some of the steps described in claims 6 to 10 may be partially implemented in a computer (functions incorporated in a computer in terms of hardware may be incorporated in the computer. May be a function realized by an operating system or another application program), and the program recorded on the recording medium includes an instruction to call or link a function executed by the computer. May be.

This is because a part of each step defined in claims 6 to 10 is substituted by a part of a function achieved by, for example, an operating system, and the recording medium realizes the function. Programs or modules are not directly recorded, but if some of the functions of the operating system that achieve those functions are called or linked, they will have substantially the same configuration. is there.

[0030]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows a mobile phone 1010 carried by a customer, a kiosk terminal device 1020 installed in a highly public place, an open space, a convenience store, a hotel, and the like via the Internet IN, and a service providing method of the present invention. Service providing device 1 to be implemented
FIG. 1 is an explanatory diagram showing the overall configuration of a system between 000 and 000.

In the figure, a customer carries a mobile phone 1010 having the GPS function, and the mobile phone 1010 is a part of the service providing apparatus 1000 via a mobile phone access point and the Internet IN. The service providing apparatus 1000 provides a series of services related to overseas travel accident insurance to customers who have accessed through these, as described later. .

Also, the customer is a kiosk terminal device 1020
To access the web server 100 via the Internet IN. In this case, the mobile phone 1010 is directed to the kiosk terminal apparatus 1020 according to an instruction from the service providing apparatus 1000, and a necessary operation is performed. The content can be confirmed.

The service providing apparatus 1000 includes an application server 200 in addition to the web server 100.
And a database server 300. In addition, the service providing apparatus 1000 is connected to an external settlement center 1030 to perform settlement processing related to insurance premium payment at the time of contract processing to be described later, or to contact a related organization at the time of complaint processing. 104
0 (police 1041, medical institution 1042, etc.).

FIG. 2 is an explanatory diagram of the configuration of the application server 200 and the database server 300 that constitute the service providing apparatus 1000, respectively.

As shown in the figure, the components of the application server 200 and the database server 300 are connected via system buses 250 and 350.
CPUs 251 and 351, RAMs 252 and 352,
Internal storage devices such as ROMs 253 and 353; hard disk drives 210 to 230 and 310 to 320;
External storage devices such as D-ROM drives 256 and 356, communication devices 257 and 357 for providing a LAN environment such as Ethernet (registered trademark), input devices 254 and 354 such as a keyboard and a mouse, and output devices 255 such as a display and a printer. And 355, and necessary data and instructions are exchanged between these via the system buses 250 and 350.

The web server 100 has substantially the same configuration, and a detailed description thereof will be omitted.

The hard disk drives 210 to 230 on the application server 200 side constitute a service execution module database 210, a terminal information storage unit 220, and a translation dictionary database 230, respectively, which will be described later.

The hard disk drives 310 to 320 on the database server 300 side store a customer attribute information database 310 and a contract clause database 31 described later.
1. The contract information storage unit 312 and the geographic facility information database 320 are respectively configured.

FIG. 3 shows the storage state of the program in the service execution module database 210.
As shown in the figure, the service execution module database 210 includes a menu processing program 211, an identity confirmation / registration processing program 212, a contract processing program 213, a settlement processing program 214, a contract existence / content confirmation processing / inquiry processing program 215. , A location information acquisition processing program 216, a claim processing program 217, a related organization search / contact processing program 218, and a translation processing program 219.

The CP of the application server 200
The U251 reads and executes the menu processing program 211, thereby controlling the browser screen of the mobile phone 1010 or the kiosk terminal device 1020,
A menu screen is provided, and menu processing instructed there is performed.

Similarly, the CPU 251 reads the personal identification / registration processing program 212 and executes the same to thereby execute the portable telephone 1010 or the kiosk terminal 102.
0, the mobile phone number of the mobile phone 1010 extracted from the mobile phone 1010 and the password input by the mobile phone 1010 are accepted.
The information is temporarily stored in the personal identification input information storage unit 221 of the terminal information storage unit 220 shown in FIG. Then, the customer is provisionally registered as a new contractor in the customer attribute information database 310 shown in FIG. 5, or when the customer is already a contractor, the customer is accessed to confirm the identity of the customer. Perform processing.

When the customer selects the overseas travel accident insurance contract conclusion service from the menu, the selection information is temporarily stored in the customer desired service information storage section 223 of the terminal information storage section 220. Then, the CPU 251 executes the contract processing by reading and executing the contract processing program 213. At this time, input and selection of items necessary for the contract conclusion process are required, and the items input and selected accordingly are stored in the customer desired service information storage unit 223.
Is stored in Further, when the payment processing of the insurance premium is performed in the middle, the payment processing program 214 is executed as a child program, and the service providing apparatus 1000 is connected to the payment center 1030, where the payment processing is performed in accordance with the instruction of the customer. You. Then, when the execution result is returned, the above-described contract processing ends.

At this time, each attribute information (including information such as the native language) of the customer who has become a contractor at the same time, the clause number of each clause that is covered by insurance for the contract made (quoted when extracted from the contract clause database 311) No.) and contract number (quotation number of contract information stored in contract information storage unit 312; for specifying the contents of the established insurance contract)
Are stored in the customer attribute information database 310 together with the mobile phone number and password acquired at the time of the above-mentioned identity verification.

When the customer selects the contract inquiry processing service from the menu, the selected information is stored in the terminal information storage unit 220
Is temporarily stored in the customer desired service information storage unit 223. Then, the CPU 251 executes the contract inquiry processing by reading and executing the contract existence / content confirmation processing / inquiry processing program 215.

That is, in this case, the customer attribute information database 310 is accessed to confirm that the customer whose identity has been confirmed is a contractor for overseas travel accident insurance (the existence of a contract). With reference to the above data, the contract clause is extracted from the contract clause database 311 and its contents are confirmed. Further, referring to the data of the customer attribute information database 310, the contract information is downloaded as an electronic document from the contract information storage unit 312, and displayed on the browser screen of the mobile phone 1010 or the kiosk terminal device 1020.

A complaint processing program 21 to be described later
Also in the case where step 7 is executed, it is confirmed that the accessing customer is a policyholder of overseas travel accident insurance, and the contract clause is extracted from the contract clause database 311 and its contents are confirmed.

When the customer selects the complaint processing service from the menu, the selected information is stored in the terminal information storage section 220
Is temporarily stored in the customer desired service information storage unit 223. The CPU 251 executes the claim processing by reading and executing the claim processing program 217.

That is, in this case, the position information acquisition processing program 216 and the contract existence / content confirmation processing / inquiry processing program 215 and the like are executed as child programs, and the portable telephone 1010 or the kiosk terminal device 1020 is executed.
Is obtained, it is confirmed that the customer is a contractor of overseas travel accident insurance, and the contents of the contract clause are confirmed. The position information of the mobile phone 1010 or the kiosk terminal device 1020 is stored in the terminal information storage unit 2.
20 terminal location information storage units 222. Then, according to the type of claim processing selected by the customer, the related organization search / contact processing program 218, the translation processing program 219, and the like are read and executed as child programs.

When the selected complaint process includes a process of contacting a related organization, a related organization search / contact processing program 218 is executed, and based on the location information of the mobile phone 1010 or the kiosk terminal device 1020, the database server 300 is executed. The necessary geographical facility information database 320 is referred to, and the necessary contact processing (for example, an urgent dispatch request or the like) to the local counterpart agency 1040 such as the police 1041 or the medical institution 1042 is executed.

This communication processing is performed by telephone communication or automatic facsimile transmission processing by an automatic voice system (if the related organization has a monitoring system controlled by a computer, the communication processing is performed accordingly). In response, the application server 200 issues an alert to alert those on the server side to contact these institutions by fax or telephone.

When the selected complaint process includes a process for presenting information desired by the customer, the complaint processing program reads out the location information and the native language information of the customer, and uses the information generally used in the place where the customer is currently located. It is determined whether the language is different from the customer's native language. As a result, when it is determined that the two are different, the translation processing program 219
When the information is read out and executed by the PU 257 and the above-mentioned information is presented, the translation dictionary database 230 of the application server 200 is referred to, and the information is translated.

The customer accesses the above configuration using the mobile phone 1010 or the kiosk terminal device 1020, joins a contract for overseas travel accident insurance (paperless contract), and handles an accident (claims processing using the claim assistant navigator). The flow of the process in the case where is performed will be described below.

(1) Overseas Travel Accident Insurance Contract Subscription (Paperless Contract) Overseas travel accident insurance contract enrollment processing is performed in the order shown in FIG. FIG. 7 shows a screen transition state at that time, and FIG. 8 shows an entire processing flow at the time of contract processing.

For customers wishing to purchase overseas travel accident insurance,
As shown in FIG. 7, the menu processing program 211
, The insurance menu is selected from the menu displayed on the browser screen of the mobile phone 1010, and the insurance subscription menu is accessed. First, by executing the personal identification / registration processing program 212, personal identification registration processing is performed.
If you have a business with an insurance company and are a member, enter a password or other information registered in advance to identify yourself, and omit the input of personal attribute information such as the address and name. I can do it.

In this case, the identity verification is performed by matching the mobile phone number and password of the customer registered in the customer attribute information database 310 in the database server 300 with the automatically transmitted mobile phone number and input password. It is performed by In the case of a new business customer, temporary entry is made in the customer attribute information database 310 by inputting personal attribute information from the beginning.

Various items required for overseas travel accident insurance subscription are stored in the mobile phone 1 when the contract processing program 213 is executed.
010 or guidance on the browser screen of the kiosk terminal device 1020. These are the destination, purpose of travel, departure date, insurance contract type, etc. The customer who wants to subscribe decides the contract contents by selecting and inputting them from the screen. When the selection of items necessary for contract entry is completed, confirmation of final contract contents is performed.

After confirming the contents, the CPU 2 of the application server 200 executes the insurance payment processing.
Reference numeral 51 denotes a settlement center 1030 which executes a settlement processing program 214 which is a child program of the contract processing program 213 and supports debit payment and credit payment.
Connect with When the settlement of the insurance premium is executed immediately at the settlement center 1030, an OK message is returned to the service providing apparatus 1000.

Upon receiving the settlement OK message, the CPU 251 executing the contract processing program 213 regards the contract participation as completed, and the customer attribute information database 310 and the contract information storage unit 312 of the database server 300.
Then, the contract information registered by the contractor is registered.

As described above, the customer attribute information database 310 and the contract information storage unit 312 are configured to store the customer attribute information and the contract contents, and are used later for confirming the contract contents and referring to the contract contents when an accident occurs. . Based on the information in these components, for example, the travel region and the type of contract, the CPU
251 executes the claim processing program 217,
Handling of complaint information is performed.

For example, after completing the contract participation processing, the desired customer can download the “contract bookmark” which describes the contents of the overseas travel accident insurance and the response at the time of an accident in the local area to the mobile phone 1010. . Such electronic document download processing is executed by the execution of the contract existence / content confirmation processing / inquiry processing program 215 by the CPU 251 and the customer attribute information database 310 and the contract information storage unit 312.
Is referred to and information on travel destinations to which the customer travels is obtained.

The electronic document download process is executed by automatically selecting the name and contact information of a related institution (such as a medical institution 1042) according to the travel destination area, and packaging it.
The electronic contract certificate is also downloaded at the same time, but in this case, an encryption process is performed to ensure the authenticity of the document.

(2) Processing at Accident (Claim Processing Using Claim Assistant Navigator) If a illness, accident, damage to personal belongings, or theft of personal belongings occurs at an overseas travel destination as covered by overseas travel accident insurance, Both when people travel abroad and when Americans travel abroad to Japan, they may encounter inconvenience due to language barriers and unfamiliar places. IMT200
0 and other next-generation mobile phones 1010 will eliminate the bottleneck of local use due to overseas roaming services,
A model similar to emergency response in your own country can be realized.

In the future, the kiosk terminal device 1020 may be provided in a highly public place such as a post office, an open space, a convenience store, a hotel, or the like, and a model linked with the kiosk terminal device 1020 is also conceivable. . These models using the mobile phone 1010 will be referred to as “claim processing by the claim assistant navigator”.

Claim processing by the claim assistance navigator is performed in the order shown in FIG. 10 and 11 show screen transition states of the mobile phone 1010 and the kiosk terminal device 1020 at that time, and FIG. 12 shows an overall processing flow at the time of claim processing.

When a medical institution needs to be diagnosed due to abdominal pain at an overseas travel destination, the contracted customer is required
As shown in (1), the “insurance menu” is accessed from the menu displayed on the browser screen of the mobile phone 1010 by executing the menu processing program 211, and the “claims assistance navigator” is called. All subsequent menu screen displays are performed in Japanese.

First, identity verification and contract content confirmation processing by the application server 200 are performed.

First, the identity confirmation / registration processing program 21
By executing step 2, an identity verification process is performed. In this case, the identity verification is performed by matching the mobile phone number and password of the customer registered in the customer attribute information database 310 in the database server 300 with the automatically transmitted mobile phone number and input password. .

After confirming the identity of the contractor, the identification number is changed to the contract existence / content confirmation processing / inquiry processing program 21.
5 and is referred to the customer attribute information database 310 and the contract information storage unit 312 to confirm the existence and content of the contract, or the existence of the electronic contract certificate downloaded to the mobile phone 1010. A confirmation is made. The CPU 251 executing the contract existence / content confirmation processing / inquiry processing program 215 displays the result of the existence confirmation on the browser screen of the mobile phone 1010.

At the same time, using the GPS function provided in the mobile phone 1010, the CPU 251 executing the location information acquisition processing program 216 acquires information for specifying the current location of the contacting customer.

Next, the CPU 251 executing the complaint processing program 217 transmits the information necessary for specifying the content of the complaint of the customer in the guidance format to the mobile phone 101.
0 is displayed on the browser screen.

According to the guidance on the screen, the customer selects and inputs a subtle disease symptom in his native language, for example, whether it is a sharp abdominal pain or a bad aching abdominal pain.

By the CPU 251 executing the claim processing program 217, the relevant institution search / contact processing program 218 is executed as a child according to the customer's input claim information and the customer's location information, customer attribute information, and contract content information. The program is operated as a program, and by referring to the geographical facility information database 320 of the database server 300, an optimal local countermeasure organization 1040 is searched, and the above-described contact processing is performed there. At the time of this communication processing, arrangement of necessary treatment, for example, dispatch of a local doctor or arrangement of an ambulance from the medical institution 1042 is performed.

The CPU 251 executing the complaint processing program 217 executes the communication processing,
The translation processing program 219 is operated as a child program. Thereby, the translation dictionary of the application server 200 for presenting to the doctor etc. the input claim information (mainly information on disease content and disease state) and, if necessary for diagnosis or the like, customer attribute information. With reference to the database 230, a process of translating to a language generally used locally is performed.

On the other hand, there is a method of using a kiosk terminal device 1020 installed in a hotel or the like where the user is staying. As shown in FIG. 11, the entire implementation procedure is a mobile phone 1010
It is almost the same as contacting directly from. The difference between the two is whether the customer interfaces with the screen of the mobile phone 1010 or interfaces with the screen of the kiosk terminal device 1020. If the user owns the mobile phone 1010, it is possible to perform identity verification and contract content verification using the mobile phone 1010 using wireless technology such as Bluetooth. Even if the user does not have the mobile phone 1010, it is also possible to directly input items necessary for personal identification to the kiosk terminal device 1020.

When the contract certificate is downloaded to the mobile phone 1010, the contents of the contract can be displayed to the doctor in person. It can be handled in the same way as liability insurance at the time, and mileage points can be added through airline affiliation.

Note that the service providing method of the present invention is not limited to the above-described embodiment, and it goes without saying that various changes can be made without departing from the spirit of the present invention. For example, the above is not limited to the case of going abroad, but can be similarly applied to a case where an old man or a child goes to a strange land.

[0077]

As described above, the first aspect of the present invention is as described above.
According to the service providing method and the recording medium according to the tenth to tenth aspects, it is possible to obtain an excellent effect that a service that needs to be received at an arbitrary place can be received by a simple operation method.

In other words, according to the configuration of claim 2 or claim 7, when the processing of the service includes the processing of contacting a predetermined institution, the customer accesses using the customer terminal device and obtains the desired service. By simply performing a simple operation of designating the client terminal device, the position information of the customer terminal device can be notified to the institution during the execution of the contact process. Therefore, even if the customer does not know exactly where he / she is, the computer can accurately read the location information of the terminal device and inform the predetermined institution of the exact location of the customer.

According to the third and eighth aspects,
When the service processing includes a process of presenting arbitrary information to the customer terminal device, the arbitrary information can be translated and presented based on the position information of the customer terminal device. become. Claims 4 and 8
According to the configuration of the above, by storing in the computer various attribute information of the customer in association with the information necessary for confirming the identity of the person, the identity of the accessing person can be confirmed. Then, the service desired by the customer can be processed while reflecting the customer attribute information. For example, when an information transfer process is included in the processing of the service as in claims 5 and 10, the provision of the customer attribute information required in the process of providing the service can be directly performed. . Of course, not all of the above attribute information is provided, and it is also possible to provide only the range necessary for providing the service requested by the customer.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing an overall configuration of a system in which a service providing method of the present invention is implemented.

FIG. 2 is an explanatory diagram of a device configuration showing a device outline of each of an application server 200 and a database server 300.

FIG. 3 is an explanatory diagram showing a storage state of a program in a service execution module database 210.

FIG. 4 is an explanatory diagram showing a data storage state of a terminal information storage unit 220.

FIG. 5 is an explanatory diagram showing a data storage state of a customer attribute information database 310.

FIG. 6 is a process chart showing a procedure for joining a contract for overseas travel accident insurance.

FIG. 7 is an explanatory diagram showing a screen transition state at the time of contract processing for overseas travel accident insurance.

FIG. 8 is an explanatory process diagram showing an overall processing flow during contract processing.

FIG. 9 is a process chart showing a claim processing procedure.

FIG. 10 is an explanatory diagram showing a screen transition state of the mobile phone 1010.

FIG. 11 is an explanatory diagram showing a screen transition state of the kiosk terminal device 1020.

FIG. 12 is an explanatory process diagram showing an entire processing flow during contract processing.

[Explanation of symbols]

100 Web server 200 Application server 210 Service execution module database 211 Menu processing program 212 Identity confirmation / registration processing program 213 Contract processing program 214 Payment processing program 215 Contract existence / content confirmation processing / inquiry processing program 216 Location information acquisition processing program 217 Claim processing Program 218 Related organization search / contact processing program 219 Translation processing program 220 Terminal information storage section 221 Identity confirmation input information storage section 222 Terminal location information storage section 223 Customer desired service information storage section 230 Translation dictionary database 250, 350 System bus 251, 351 CPU 252, 352 RAM 253, 353 ROM 254, 354 Input device 255, 355 Output device 256, 3 56 CD-ROM drive 257, 357 Communication device 300 Database server 310 Customer attribute information database 311 Contract clause database 312 Contract information storage unit 320 Geographical facility information database 1000 Service providing device 1010 Mobile phone 1020 Kiosk terminal device 1030 Payment center 1040 Local correspondent 1041 Police 1042 Medical institutions

Claims (10)

[Claims] 1. A service providing method executed by a computer, comprising: when a customer terminal device accesses, a step of acquiring position information of the customer terminal device; and a step of acquiring a service desired by the customer. Processing the service desired by the customer while reflecting the position information. 2. The service providing method according to claim 1, wherein when the service is processed, if a process of contacting a predetermined institution is included, the location information of the customer terminal device is notified to the institution. . 3. When the processing of the service includes a process of presenting arbitrary information to the customer terminal device, a translation process of the arbitrary information is performed based on the position information of the customer terminal device. 3. The method according to claim 1, wherein the information is presented.
The service provision method described. 4. A service providing method executed by a computer, comprising: a step of performing identity verification when a customer terminal device accesses the apparatus; a step of searching attribute information of the verified customer; A service providing method, comprising: executing a step of acquiring a service desired by a confirmed customer and a step of processing the service desired by the customer while reflecting the customer attribute information. 5. The service providing method according to claim 4, wherein, when the service processing includes an information transfer process, the customer attribute information is transmitted. 6. When a customer terminal device accesses a computer, a step of acquiring position information of the customer terminal device; a step of acquiring a service desired by the customer; And a computer readable recording medium storing a program for executing the steps of processing a service desired by the customer. 7. The computer according to claim 6, wherein when the service processing step by the computer includes a process of contacting a predetermined institution, the computer notifies the institution of the location information of the customer terminal device. A readable recording medium. 8. If the service processing step by the computer includes a process of presenting arbitrary information to the customer terminal device, the translation process of the arbitrary information is performed based on the position information of the customer terminal device. The computer-readable recording medium according to claim 6, wherein the recording medium is executed and presented. 9. A step of performing identity verification when a customer terminal device accesses a computer, a step of searching attribute information of a customer whose identity has been verified, and a service desired by the customer whose identity has been verified. And a computer-readable recording medium storing a program for executing a step of processing a service desired by a customer while reflecting the customer attribute information. 10. The computer-readable recording medium according to claim 9, wherein said customer attribute information is transmitted when information transfer processing is included in said service processing step by said computer.