JP2003281424A - System for insuring character and operation method therefor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance system, a method, and a program which insure a character for use in a product, as a customer service. <P>SOLUTION: The system is provided with an insurance company server, a contractor server, an agent server, and a beneficiary terminal, and the agent server for operating insurance on characters registers contents or the like of insurance on the character and receives and registers character product sale data including the product number of a sold character product, from the contractor server and receives and registers the product number of the sold character product and beneficiary data of insurance on the character from the beneficiary terminal and refers to the beneficiary data, insurance contract data, etc., to determine payment of money in token of sympathy on the basis of demand data for money in token of sympathy from the beneficiary terminal. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance system, and more particularly to an insurance system in which a purchaser of a character product is a beneficiary of an insurance service.

[0002]

2. Description of the Related Art At present, products using various characters are on the market, and the scale is said to be over 1 trillion yen. Here, the product includes not only a wide variety of tangible products such as daily necessities and electric appliances but also intangible products provided in various service industries such as restaurants and travel agencies. In the case of a tangible product, a character is directly printed, attached, stamped, or the like on the product and used, for example, a toy such as a doll or a sticker. For intangible products, products with characters are used as a medium for things related to the provided services, such as tableware for restaurants, brochures for travel agencies, etc. Some software may include video images of characters. These products use characters to promote their sales. In this specification, a tangible and intangible product produced, sold, or provided with a character directly or indirectly as described above is referred to as a "character product".

In addition, what is called a character is usually exclusively used by the right holder who owns the right related to the character. Therefore, if the character right holder himself produces, sells, or provides the character product,
There is a case where a person who obtains a license for a character from a character right holder produces, sells, or provides a character product.

[0004]

As described above, the sales of the product is promoted by attaching the character to the product. Therefore, the present invention provides an insurance system, method and program for providing insurance as customer service to characters used in products, thereby further promoting sales of character products and further activating the character market. The purpose is to

[0005]

In order to achieve the above object, the present invention provides the following system, method and program.

(1) The character-added insurance system according to claim 1 is an insurance company server and a contractor server that are respectively installed by an insurance company, an insurance contractor who is a character right holder, and an insurance service agent, and can transmit information to each other. And a proxy server and a beneficiary terminal capable of transmitting information between the proxy server and the proxy server, the proxy server includes the following (a)-
It has the component (f). (A) Types of characters related to character supplementary insurance relating to a contract between the insurance company and the policyholder,
Insurance contract data storage means for associating and registering the type of character product and insurance content (b) Character product sales data storage means for registering character product sales data including the product number given to the sold character product (C) Beneficiary data storage means for registering the beneficiary data including the product number given to the sold character product and the beneficiary of the character-added insurance, and (d) transmitted from the contractor server. Character product sales processing unit (e) that receives the character product sales data and registers it in the character product sales data storage means (e) receives the beneficiary data transmitted from the beneficiary terminal and registers it in the beneficiary data storage means Beneficiary registration processing unit (f) Sent from the beneficiary terminal Maikin claims wherein beneficiary data storage means based on the data, the character product sales data storage means and the insurance contract data solatium processing unit for determining the payment of solatium by the storage means reference to

(2) The character-added insurance system according to claim 2 is the system according to claim 1, wherein the agent server further requests (g) an insurance claim from the insurance company on behalf of the policyholder. It has an insurance claim processing unit for creating insurance claim data and transmitting the insurance claim data to the insurance company server.

(3) In the insurance system with a character according to claim 3, in the system according to claim 1 or 2, the beneficiary registration processing unit (e) of the agent server stores the beneficiary data in the insurance company server. To the beneficiary data storage means for receiving the identification number given to the beneficiary by the insurance company server from the insurance company server, and transmitting the identification number to the beneficiary terminal. .

(4) In the character incidental insurance system according to claim 4, in the system according to any one of claims 1 to 3, the sympathy money processing unit (f) of the agent server is included in the sympathy money claim data. Based on the product number and the identification number stored, the beneficiary data storage means, the character product sales data storage means, and the insurance contract data storage means are referenced to determine the payment of the sympathy money.

(5) The character-added insurance system according to claim 5 is the system according to any one of claims 1 to 4, wherein the beneficiary registration processing unit (e) of the agent server is the beneficiary data. It is confirmed whether the product number is registered in the character product sales data storage means on the basis of the product number included in.

(6) The character-added insurance system according to claim 6 is the system according to any one of claims 1 to 5, wherein the character is accessible from a customer terminal by using a product number given to the sold character product. A battle for finally obtaining a product number of each of the plurality of customer terminals accessed by the website server in the character-related website, the website server further comprising a website server for building an associated website.
It has a game execution means for giving a product number or exchanging product numbers, and means for making a customer terminal whose product number is determined by the game execution means accessible to the agent server as the beneficiary terminal. .

(7) The method of operating insurance accompanied by a character according to claim 7 is an insurance company server and a contractor which are respectively installed by an insurance company, an insurance contractor who is a character right holder, and an insurance service agent, and which can transmit information to each other. In the method of operating a character-attached insurance by providing a server, a proxy server, and a beneficiary terminal capable of transmitting information between the proxy server and the proxy server, the proxy server includes the following (a):
Perform steps (d) to (d). (A) Types of characters related to character supplementary insurance relating to a contract between the insurance company and the policyholder,
Step of registering the type and the insurance content of the character product in association with each other (b) Receiving and registering the character product sales data including the product number given to the sold character product from the contractor server (c) The sales Receiving and registering the beneficiary data including the product number given to the character product and the data about the beneficiary of the character-added insurance from the beneficiary terminal, and (d) the sympathy money transmitted from the beneficiary terminal. Step of determining payment of sympathy money by referring to the beneficiary data, the character product sales data and the insurance contract data based on billing data

(8) In the method of operating insurance with characters according to claim 8, in the method according to claim 7, the agent server further requests (e) insurance money from the insurance company on behalf of the policyholder. Creating insurance claim data and transmitting the insurance claim data to the insurance company server.

(9) In the method for operating insurance with a character according to claim 9, in the step (c) in which the agent server registers the beneficiary data by the method according to claim 7 or 8, the beneficiary data is stored in the insurance company. Transmitting to the server, receiving the identification number given by the insurance company server to the beneficiary from the insurance company server, and registering the identification number in the beneficiary data storage means; And sending to the terminal.

(10) In the character-added insurance operating method according to claim 10, the agent server determines payment of sympathy money by the method according to any one of claims 7 to 9.
In step 2, the payment of the sympathy money is determined by referring to the beneficiary data, the character product sales data, and the insurance contract data based on the product number and the identification number included in the sensation money request data.

(11) In the method of operating insurance with a character according to claim 11, step (c) in which the agent server registers the beneficiary data by the method according to any one of claims 7 to 10.
At, based on the product number included in the beneficiary data, it is confirmed whether or not the character product sales data includes the product number.

(12) In the method for operating insurance with a character according to a twelfth aspect, in the method according to any one of the seventh to eleventh aspects, the product number assigned to the sold character product can be used to access from the customer terminal. The method further comprises the step of providing a website server for building a character-related website, the website server comprising:
A step of executing a game for finally obtaining a product number for each of a plurality of accessed customer terminals, giving a product number, or exchanging product numbers on the character-related website; The step of making the customer terminal, whose product number has been determined by the above, accessible to the agent server as the beneficiary terminal is executed.

(13) The character-added insurance management program according to claim 13 is an insurance company server and a contractor, which are respectively installed by an insurance company, an insurance contractor who is a right holder of a character, and an insurance service agent, and can transmit information to each other. A server, a proxy server, and a program executed by the proxy server in order to operate a character supplementary insurance by providing a beneficiary terminal capable of transmitting information to and from the proxy server. The function (d) is realized. (A) Types of characters related to character supplementary insurance relating to a contract between the insurance company and the policyholder,
Function of registering character product type and insurance content in association with each other (b) Function of receiving and registering character product sales data including product number given to the sold character product from the contractor server (c) Sales Function for receiving and registering the beneficiary data including the product number given to the character product and the beneficiary of the character-added insurance from the beneficiary terminal (d) the stipend money transmitted from the beneficiary terminal Function for determining payment of sympathy money by referring to the beneficiary data, the character product sales data, and the insurance contract data based on billing data

(14) In the character-added insurance management program according to claim 14, the program executed by the agent server according to claim 13 is (e) because the insurance company claims the insurance money on behalf of the policyholder. And a function of creating the insurance claim data and transmitting the insurance claim data to the insurance company server.

(15) In the character accompanying insurance management program of claim 15, in the function (c) of registering the beneficiary data in the program executed by the agent server of claim 13 or 14, the beneficiary data is the insurance. A function of transmitting to the company server, a function of receiving the identification number given to the beneficiary by the insurance company server from the insurance company server and registering the identification number in the beneficiary data storage means, and the identification number of the beneficiary And the function of transmitting to the person terminal.

(16) The character-added insurance management program according to claim 16 is a function (d) for determining payment of a sympathy money in a program executed by the agent server according to any one of claims 13 to 15, wherein the sympathy money is included. Based on the product number and the identification number included in the billing data, a function of determining payment of sympathy money is realized by referring to the beneficiary data, the character product sales data, and the insurance contract data.

(17) In the character-added insurance management program of claim 17, in the step (c) in which the agent server of any one of claims 13 to 16 registers the beneficiary data, the product included in the beneficiary data. A function of confirming whether or not the product number is included in the character product sales data based on the number is realized.

(18) The program according to claim 18 is a program executed by a website server for constructing a character-related website accessible from a customer terminal using a product number given to the sold character product. A function of executing a game for finally obtaining the product number of each of the plurality of accessed customer terminals, gifting the product number, or exchanging the product number on the character-related website;
The customer terminal whose product number is determined by the game,
A function of enabling access to the proxy server as the beneficiary terminal in the character-added insurance management program according to any one of claims 13 to 17.

[0024]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a schematic diagram schematically and schematically showing an embodiment of a character accompanying insurance system according to the present invention. It should be noted that the character incidental insurance in the present invention is an insurance attached to the character based on the insurance contract between the insurance company and the character right holder, and the customer who purchases the product attracted by the character (transfer after the product purchase) Insurance as a service for (including the beneficiary). Therefore, the beneficiary of the insurance (insured) is the customer. This insurance is attached to the character, not to the product. As a matter of course, this system cannot be insured for products that do not use characters.

The insurance service agent server 10, the insurance policyholder server 50, and the insurance company server 60 in the character-attached insurance system shown in FIG. 1 are used by the insurance service agent, the insurance policyholder (character right holder), and the insurance company, respectively. It is a server provided to execute each role. The insurance service agent acts as an intermediary for setting up an insurance contract between the insurance company and the insurance contractor (character right holder), and also acts as an agent of the insurance company or the insurance contractor in each aspect of this system. Fulfill. As a result, the burden on the policyholder and the insurance company can be reduced, the smooth operation of the system can be realized, and its spread can be promoted. The insurance service agent is
It is an institution (company) established to smoothly operate this system.

The insurance contractor is a character right holder who has a right (mainly a right regarding the use of the character) of a character to which insurance is attached by this system. The term "character right holder" as used herein includes a case where only the right is held, a case where the character product is also a manufacturer and / or a seller of the character product, or a case where the character right holder is an agent entrusted with management by the right holder. In any case, he is in the position of managing the use of characters in the character product. The management of character use in a character product is to grasp at least the “character type”, the “product type”, and the “product quantity” of the product to which the character is attached and which is sold to the customer.

Insurance service agent server (hereinafter referred to as "agent server") 10, insurance contractor server (hereinafter referred to as "agent server")
(Referred to as "contractor server") 50 and insurance company server 6
0 can be implemented by an appropriate computer.
These computers consist of a central processing unit (CPU),
Each function of the present system is realized by the CPU having a storage device and an appropriate input / output device, and the CPU executing a program stored in a given storage device. The program is a program for each processing necessary for this system. Each control unit 2 of each server 10, 50, 60 in FIG.
The CPUs 0, 51, and 61 execute respective processes centered on the CPU.
The illustrated processing contents are mainly shown for each server.

A database unit for storing various data related to the present system is constructed in one of the storage devices.
The database units 25, 54, 64 of the respective servers 10, 50, 60 store and update various data under the control of the respective control units 20, 51, 61. For example, each database unit stores various data in an appropriate table file format. The data items of each table file may be duplicated or related to each other.

Although not shown, each server performs bidirectional information transmission with another server or an arbitrary terminal (personal computer, portable information terminal, etc.) through an appropriate communication network (Internet, broadband, leased line, etc.). It is equipped with a general communication device. In particular, it is preferable that the agent server 10 uses a website in two-way information transmission with a beneficiary terminal used by a beneficiary (insured) of the insurance service of the present system. In this case, the proxy server 10 has a function as a web server. Further, when transmitting information by e-mail, it has a function as a mail server.

The insurance company server 60 may be implemented by incorporating the function of this system as one function of the insurance business host system. The contractor server 50 may also be implemented by incorporating the function of this system as one function of the original business system.

An outline of the processing flow of this system will be described with reference to FIG. Details will be described later. It is assumed that the insurance contract between the insurance company and the contractor has already been set. Step S101: The contractor server 50 transmits the product number data of the sold character product to the proxy server 10, and the proxy server 10 registers the data. Step S201: The insurance service beneficiary purchases a character product. Step S202: insurance service beneficiary terminal (hereinafter,
Beneficiary data is transmitted from the “beneficiary terminal” 40 to the agent server 10. Step S203: The agent server 10 registers the beneficiary data and transmits it to the insurance company server 60. Step S204: The insurance company server 60 registers the beneficiary data, assigns an identification number to the beneficiary, and transmits the identification number to the agent server 10. Step S205: The agent server 10 transmits the identification number to the beneficiary terminal 40. Step S301: An accident to be covered by insurance occurs, and the beneficiary terminal 40 transmits the scholarship claim data to the agent server 10. Step S302: The agent pays sympathy money to the beneficiary. Step S303: The proxy server 10 sends the advancement (commission) request data to the contractor server 50. Step S401: The insurance claim data is transmitted from the agent server 10 to the insurance company server 60. Step S402: The insurance company pays the insurance money to the contractor. Step S403: The contractor pays the advance money to the agent.

Each table stored in the database unit 25 of the proxy server 10 will be described below with reference to FIGS. It should be noted that the formats and data items of the illustrated tables are shown as examples and are not intended to be limited to these.

FIG. 2 shows an example of the insurance contract data table 26 stored in the database section of the agent server 10 of FIG. The insurance contract data table 26 stores contract content data preset between the insurance company and the policyholder. The stored data is the type of character covered by the insurance contract, the type of product, and the specific insurance content. When there are multiple types of characters (A, B, C
Etc.), the insurance content is set for each type. When there are a plurality of types of products to which a character is attached (toy a, toy b, tableware a, etc.), the insurance content is set for each type. The insurance content is subject to compensation (eg injury accident,
Fire accident, theft, etc.), compensation amount (for example, about 1 to 50,000 yen), compensation period (for example, June from the beneficiary registration date,
December etc.). In addition, it also includes certain items set in a normal insurance contract. The insurance contract data table 55 stored in the database unit 54 of the policyholder server 50 and the insurance contract data table 65 stored in the database unit 64 of the insurance company server 60 also store almost the same data.

An example of an insurance compensation target in this system will be described. For example, when a character right holder who distributes a character to a mobile phone attaches insurance to the character, the failure accident of the mobile phone is covered. In addition, in the case where insurance is attached to a stuffed animal, for example, an injury accident due to a stalker and a traffic accident of a child may be covered depending on the characteristics of the character. Furthermore, when insurance is attached to a character's sticker, depending on the character's characteristics, for example, a sticker can be attached to the car body to cause damage due to car scraping, a sticker to the kitchen to cause a fire accident, or a sticker to the front door. Covers theft accidents. The insurance in this system is generally attached to mass-produced character products, so a relatively low compensation amount (1
It is preferable that the insurance is about 10,000 to 50,000 yen). Therefore, it is possible to attach a unique insurance that takes into consideration the game feeling and playfulness.

FIG. 3 shows an example of a character product sales data table 27 stored in the database section of the proxy server 10 of FIG. The contractor who is a character right holder manages the manufacturing and sales of the character product, whether it is for manufacturing or selling the character product or for allowing other people to license and manufacture the character product. I have a grasp. A product number is assigned to each of the sold character products, and the product is managed by this.
The contractor notifies the proxy of the quantity and product number of the character product that has been sold at regular intervals (for example, every month). That is, the character product sales data is transmitted from the contractor server 50 to the proxy server 10, and the proxy server 1
The character product sales processing unit 21 of 0 stores this data in the character product sales data table 27.
Character product sales data table 27 shown in FIG.
Stores the character product types and product types sold in the current month, the product numbers of all the products, and the total number. The product number is a number unique to each product. still,
Similar data as the original data is also stored in the character product sales data table 56 of the database unit 54 of the contractor server 50.

FIG. 4 shows an example of the beneficiary data table 28 stored in the database section of the proxy server 10 of FIG. The beneficiary data is data regarding the beneficiary of the insurance service specified after the character product is sold.

Referring now to FIG. FIG. 5 shows some examples of the method of identifying the beneficiary of the insurance service. First, in the example shown at the top, the customer P purchases the character product A from a store or the like. For character products to which this system is applied, the insurance service content and the product number are described in the instructions and the like. When the customer P wants to register as a beneficiary of the insurance service, a personal computer 40a equipped with communication means via the network 70 such as the Internet or broadband.
A beneficiary terminal such as a mobile information terminal (mobile phone, PDA, etc.) 40b is used to access the agent server 10. Preferably, it accesses the reception website 12 constructed by the proxy server 10. For example, the URL of the reception website 12 is described in the description of the character product.
The customer P inputs necessary information as an insurance service beneficiary on the screen of the reception website 12.

The input items are “beneficiary personal information (name, address, age, sex, etc.)”, “character type / product type”, “product number”, etc. of the beneficiary data table 28 shown in FIG. Since the product number is unique to each product, the character type / product type is specified by inputting the product number, and therefore the customer need not necessarily input it. The “identification number” will be described later. The beneficiary data is also passed from the agent server 10 to the insurance company server 60, and the insurance company server 60 stores the data in the beneficiary data table 66 of the database unit 64.

Referring again to FIG. 5, after the customer Q purchases the character product B, the customer Q transfers it to another person R (a gift, etc.), and R registers as an insurance service beneficiary using the beneficiary terminal 40c. It shows an example. In this case, R is registered as a beneficiary.

Furthermore, in the example at the bottom of FIG. 5, a plurality of customers X who have purchased the character products D, E, and F, respectively.
Y and Z use the product number attached to the character product as a user ID to access the character-related website 82 via the network 70. The character-related website 82 is an appropriate website server 8
Constructed and managed by 0. When accessing the website 82, each customer terminal 40d, 40e, 40f
To use. In the game executed on the character-related website 82, "competition", "gift", and "exchange" are possible. For example, a person who loses in the "match" and a person who "gifts" lose the qualification as the beneficiary of the insurance service attached to the purchased character, and the "match"
Those who win and who are "donated" will eventually qualify as beneficiaries of the insurance service. In the case of "exchange", the product number is exchanged and the insurance service contents attached to the character are exchanged. The person who has acquired the beneficiary qualification accesses the agent server 10 using the acquired product number (for example, from the website 82, the agent server 1).
0) and can be registered as a beneficiary. Such a game executing means and a moving means to the website 12 are provided as a function of the website server 80, and are specifically realized by the installed program.

As shown in FIG. 5, the method of finally identifying the insurance service beneficiary after the sale of the character product can be set in various ways.

FIG. 6 shows an example of the reward money data table 29 stored in the database section of the proxy server 10 of FIG. Here, the “commission money” means money that the beneficiary charges the agent when the insurance accident occurs in the beneficiary, and the agent pays the beneficiary. Originally, this money is the money that the contractor who provides the insurance service should pay to the beneficiary, and it is the “insurance money” that is ultimately paid to the contractor from the insurance company. There is no direct relationship between the beneficiary and the insurance company, and the beneficiary and the contractor, the agent acts exclusively with the beneficiary, and the agent pays the "insurance" to the beneficiary in advance. The money that is paid is defined as "payment money" and is distinguished from "insurance money." The sympathy money data table 29 stores record data relating to each of the cases where the sensation money is requested, and in addition to the beneficiary personal information and the character product information, the “claim date”, “examination result”, and “amount” of the sensation money. , "Payment date" and other items.

FIG. 7 shows an example of the insurance claim data table 30 stored in the database section of the proxy server 10 of FIG. The agent server 10 performs billing processing for the money paid in advance after paying the scholarship money to the beneficiary. In the claim processing, the contractor is requested to pay the advance payment, while the insurance company is requested to pay the insurance money. The latter request is originally made by the policyholder to the insurance company, but the agent makes it on behalf of the policyholder. After that, the insurance money is paid from the insurance company to the contractor, and from the contractor to the agent, the agent receives it. The insurance claim data table 30 of FIG. 7 stores record data relating to each case for which an insurance claim is made, and in addition to the beneficiary personal information and the character product information, “(to the contractor) about the insurance claim. There are items such as "advance claim date", "insurance claim date (to insurance company)", "amount", and "receipt date". The insurance payment data table 67 stored in the database unit 64 of the insurance company server 60 and the insurance money receipt data table 57 stored in the database unit 54 of the contractor server 50 also relate to insurance payment and insurance payment, respectively. It stores similar data.

Hereinafter, referring to the flow charts of FIGS. 8 to 11,
The flow of processing of this system executed by each of the servers 10, 50, 60 in FIG. 1 will be described. It should be noted that the flow of each processing shown in the figure is an example and is not intended to be limited thereto. The processing procedure may be changed within the scope of the present invention.

FIG. 8 is a character product sales processing unit 52 of the control unit of the contractor server 50 of FIG. 1 and the agent server 1.
The flow of processing by the character product sales processing unit 21 of the control unit 0 is shown.

Step 1101: Contractor server 50
Assigns product numbers to the character products that they produce and sell. Even if the contractor does not produce and / or sell the product, the product number is given to the product that is licensed to be produced and / or sold. The contractor server 50 registers the product number unique to each character product in the character product sales data table 56 of the database unit 54.

Step 1102: contractor server 50
Collects the sales (production) results of the character products for one month, and transmits the character product sales data including the product number data assigned to the character products to the agent server 10.

Step 1103: Agent server 10
Receives the character product sales data transmitted from the contractor server 50 (step S101 in FIG. 1) and registers it in the character product sales data table 27 of the database unit 25. Accordingly, by collating the character product sales data table 27 and the insurance contract table 26, it is possible to recognize the insurance content attached to the character product based on the product number.

Step 1104: The agent server 10 further transmits the received character product sales data to the insurance company server 60 (step S102 in FIG. 1).

Step 1105: insurance company server 60
Receives the character product sales data transmitted from the agent server 10, and creates a character product insurance premium estimate based on this data. The quotation includes, for example, a provisional quotation and a monthly fixed quotation. The insurance company server 60 uses the database unit 54 to store each created estimate.
It is registered in the character product sales data table 56 of.

Step 1106: insurance company server 60
Further transmits the created insurance premium estimate for each character product to the contractor server 50 (step S10 in FIG. 1).
3).

Step 1107: contractor server 50
Receives the character product insurance premiums estimate transmitted from the insurance company server 60, and registers this data in the character product sales data table 56 of the database unit 54.

FIG. 9 shows a flow of processing by the beneficiary registration processing unit 22 of the control unit of the agent server 10 of FIG. 1 and the beneficiary registration processing unit 62 of the control unit of the insurance company server 60.

Step 2101: The person who purchased the character product, the person who transferred the character product, or the person who became the owner of the character product in the game on the website is specified as the beneficiary (insured). (Step S201 in FIG. 1).

Step 2102: The beneficiary registers as a beneficiary by transmitting the beneficiary data from the beneficiary terminal 40 to the agent server 10 (step S in FIG. 1).
202). Preferably, the beneficiary terminal 40 accesses the reception website 12 constructed by the agent server 10 via a network such as the Internet, and the beneficiary terminal 40 is accessed.
Enter the required information according to the instructions on the web page displayed on the display device. The input information includes the personal information of the beneficiary and the product number of the character product.

Step 2103: Agent server 10
Receives the beneficiary data. The agent server 10 refers to the character product sales data table of the database unit 25 based on the product number included in the beneficiary data to confirm whether or not the corresponding product number is registered and is registered. If so, the product number is approved as valid.

Step 2104: Agent server 10
Registers the beneficiary data approved as valid in the beneficiary data table 28 of the database unit 25. The agent server 10 further transmits the beneficiary data to the insurance company server 60 (step S203 in FIG. 1).

Step 2105: Insurance company server 60
Receives the beneficiary data transmitted from the agent server 10, assigns a unique identification number to the beneficiary related to the data, and assigns the provided identification number data to the agent server 10
(Step S204 in FIG. 1). The identification number given by the insurance company server 60 is different from the product number that is open to the public, and has the confidentiality that the beneficiary should keep secretly. This is because it is intended to prove that they are legitimate beneficiaries.

Step 2106: Agent server 10
Registers the received identification number in the beneficiary data table 28 and transmits the identification number to the beneficiary terminal 40 (step S205 in FIG. 1). Sufficient security shall be ensured when transmitting the identification number over the network.

Step 2107: The beneficiary terminal 40
The identification number transmitted from the proxy server 10 is received.
The beneficiary saves this identification number along with the product number. After that, the agent sends the beneficiary an insurance service guidebook that describes insurance policies and the like. Since the above-mentioned identification number has confidentiality, it may be notified together with this guidebook without being transmitted through the network.

FIG. 10 shows the flow of processing by the stipend money processing unit 23 of the control unit of the proxy server 10 of FIG.

Step 3101: When the beneficiary encounters an accident specified in the insurance policy, the beneficiary terminal 40 accesses the agent server 10 and transmits the stipend claim data (step S301 in FIG. 1). The data for requesting stipends includes
Includes product number and identification number. Sufficient security shall be ensured when transmitting the identification number over the network. The beneficiary will separately send other necessary documents to the agent.

Step 3102: Agent server 10
Receives the solicitation money request data from the beneficiary terminal 40,
By referring to the beneficiary data table 28 of the database unit 25 based on the product number, the identification number, etc. included in the data, it is confirmed whether or not the claim is made by the legitimate beneficiary, and the insurance contract data table 26 and the character product. Examination is performed by referring to the sales data table 27 to confirm whether the request is an appropriate solicitation. The proxy server 10 determines payment of sympathy money based on the examination result. The sympathy money is an advance payment paid by the agent to the beneficiary instead of the contractor.

Step 3103: Agent server 10
If it decides to pay the sympathy money, it registers the data relating to the request in the sympathy money data table 29 of the database unit 25. The sympathy money data table 29 includes data such as beneficiary information, insurance accident information, character product information, and detailed information on mortgage payment.

Step 3104: Agent server 10
After deciding the payment of the sympathy money, the customer creates the advance payment request data for the contractor and transmits it to the contractor server 50 (step S303 in FIG. 1). This advance billing data includes
It includes data such as beneficiary information, insurance accident information, character product information, and detailed payment information, etc. By this, the contractor recognizes that the insurance contract was executed and its details.

Step 3105: Thereafter, the scholarship is actually exchanged between the agent and the beneficiary. For example,
The beneficiary will transfer the money to the account specified when the beneficiary requested the money.

FIG. 11 shows the insurance money processing unit 24 of the control unit of the agent server 10 of FIG. 1, the insurance money processing unit 63 of the control unit of the insurance company server 60, and the insurance money processing unit of the control unit of the contractor server 50. The flow of processing by 53 is shown.

Step 4101: Step 31 above
In parallel with 04, the proxy server 10 creates insurance claim data for the insurance company and sends it to the insurance company server 60 (step S401 in FIG. 1). Agent server 10
Registers the created insurance claim data in the insurance claim data table 30 of the database unit 25. In addition, other necessary documents will be sent separately to the insurance company by the agent.
The insurance claim is originally made by the contractor to the insurance company, but in this system, the agent makes the claim on behalf of the contractor. This is for the convenience of the contractor.

Step 4102: insurance company server 60
Receives the insurance claim data from the agent server 10 and refers to the beneficiary data table 66 and the insurance contract data table 65 to check whether or not it is an appropriate insurance claim by a legitimate beneficiary. By doing
Conduct an examination. The insurance company server 60 determines payment of insurance money based on the examination result.

Step 4103: The insurance money is exchanged between the insurance company and the contractor (step S40 in FIG. 1).
2).

Step 4104: After that, sympathy money (advance money) is exchanged between the contractor and the proxy (Fig. 1).
Step S403). The agent server 10 registers the receipt of the advance payment in the insurance claim data table 30 of the database unit 25.

Although the embodiments of the present invention have been described with reference to the preferred examples, various modifications are possible in the specific embodiments. For example, the proxy server 10
Has been described above as being installed in an institution separate from the policyholder and the insurance company, the agent server 10
Regarding the function of, the insurance policyholder (character right holder)
Alternatively, the insurance company can handle this. That is, each of the above servers can be classified from a technical aspect, and does not necessarily match the management, organizational, or social distinction. Therefore, the same management entity may be responsible for the function of the contractor server and the agent server, and may be responsible for the function of the insurance company server and the agent server.

[0073]

As described above, according to the present invention, a system in which insurance is attached to a character of a character product is provided. By providing such insurance, the sales promotion effect of character products will be further improved. Furthermore, in addition to the value of the character itself, the added value of insurance is added, and the property value of the character is considered to increase further.

In addition, the character incidental insurance system according to the present invention is provided with an insurance service agent server for substituting the business process to be performed between the character right holder (insurance contractor) and the insurance company. It can be implemented without increasing the burden on the right holder and the insurance company.

Further, when the insurance service agent server implements this system, the customer information of the character product will be accumulated. Therefore, by providing the information to the character right holder, the character right holder is useful. You can get marketing information.

[Brief description of drawings]

FIG. 1 is a configuration diagram schematically and schematically showing an embodiment of a character accompanying insurance system according to the present invention.

2 is a diagram showing an example of an insurance contract data table 26 stored in a database unit of the agent server 10 of FIG.

3 is a diagram showing an example of a character product sales data table 27 stored in a database unit of the proxy server 10 of FIG.

4 is a diagram showing an example of a beneficiary data table 28 stored in a database unit of the agent server 10 of FIG.

FIG. 5 is a diagram showing an example of an insurance service beneficiary identification method.

FIG. 6 is a diagram showing an example of a reward money data table 29 stored in a database unit of the proxy server 10 of FIG.

7 is a diagram showing an example of an insurance claim data table 30 stored in a database unit of the agent server 10 of FIG.

8 is a diagram showing a flow of processing by a character product sales processing unit 52 of a control unit of the contractor server 50 and a character product sales processing unit 21 of a control unit of the proxy server 10 of FIG.

9 is a diagram showing a flow of processing by a beneficiary registration processing unit 22 of a control unit of the proxy server 10 and a beneficiary registration processing unit 62 of a control unit of the insurance company server 60 of FIG.

10 is a diagram showing the flow of processing by a stipend money processing unit 23 of the control unit of the proxy server 10 of FIG.

11 is an insurance money processing unit 24 of a control unit of the agent server 10 of FIG. 1, an insurance money processing unit 63 of a control unit of an insurance company server 60, and an insurance money processing unit 53 of a control unit of a contractor server 50.
It is a figure which shows the flow of the process by.

[Explanation of symbols]

1 Character Ancillary Insurance System 10 Insurance Service Agent Server 12 Agent Reception Website 20 Agent Server Control Unit 21 Agent Server / Character Product Sales Processing Unit 22 Agent Server Beneficiary Registration Processing Unit 23 Agent Server Exercising Processing Unit 24 Agent Server Insurance Processing Unit 25 Agent Server Database Unit 26 Agent Server Insurance Contract Data Table 27 Agent Server Beneficiary Character Product Sales Data Table 28 Agent Server Beneficiary Data Table 29 Agent Server Sensation Data Table 30 Agent server insurance claim data table 40, 40a-f Service beneficiary terminals 43a, 43b Character product 50 Contractor server 51 Contractor server control unit 52 Contractor server character product sales processing unit 53 Contractor server insurance processing unit 54 Contract Contractor server / database section 55 Contractor server insurance contract data table 56 Contractor server / character product sales data table 57 Contractor server insurance receipt data table 60 Insurance company server 61 Insurance company server control unit 62 Insurance company server Beneficiary registration processing Department 63 Insurance company server Insurance processing section 64 Insurance company server / database section 65 Insurance company server Insurance contract data table 67 Insurance company server Beneficiary data table 67 Insurance company server Insurance payment data table 70 Network 80 Character related website server 82 Character related website

Claims (18)

[Claims] 1. An insurance company server, a contractor server and a proxy server, which are installed by an insurance company, an insurance policyholder who is a right holder of a character, and an insurance service proxy, and can transmit information to each other, and the proxy server. In a character accompanying insurance system having a beneficiary terminal capable of transmitting information between users, the proxy server may: (a) a type of character related to character accompanying insurance relating to a contract between the insurance company and the insurance policyholder;
Insurance contract data storage means for associating and registering the type and insurance content of the character product, and (b) character product sales data for registering the character product sales data including the product number given to the sold character product. Storage means, (c) a beneficiary data storage means for registering beneficiary data including data on a product number given to the sold character product and a beneficiary of the character-added insurance, and (d) the above A character product sales processing unit that receives the character product sales data transmitted from the contractor server and registers it in the character product sales data storage means; and (e) receives the beneficiary data sent from the beneficiary terminal. A beneficiary registration processing unit for registering in the beneficiary data storage means; (f) the above A reward payment process for determining payment of a reward payment by referring to the beneficiary data storage means, the character product sales data storage means and the insurance contract data storage means based on the reward payment request data transmitted from the beneficiary terminal. A character incidental insurance system characterized by having a section. 2. The agent server further creates (g) insurance claim data for claiming insurance money on behalf of the insurance policyholder to the insurance company, and stores the insurance claim data in the insurance company server. The insurance system for a character according to claim 1, further comprising an insurance money processing unit for transmitting the insurance money to the character. 3. The beneficiary registration processing unit (e) of the agent server transmits the beneficiary data to the insurance company server, and an identification number given to the beneficiary by the insurance company server. 3. The character-added insurance system according to claim 1 or 2, characterized in that the identification number is transmitted to the beneficiary terminal while being received from the insurance company server and registered in the beneficiary data storage means. 4. The beneficiary processing unit (f) of the agent server stores the beneficiary data storage means and the character product sales data based on a product number and an identification number included in the beneficiary claim data. 4. The character incidental insurance system according to claim 1, wherein payment of sympathy money is determined by referring to a means and the insurance contract data storage means. 5. Whether the beneficiary registration processing unit (e) of the agent server has registered the product number in the character product sales data storage means based on the product number included in the beneficiary data. The character supplementary insurance system according to any one of claims 1 to 4, wherein it is confirmed whether or not. 6. The website further comprises a website server for constructing a character-related website accessible from a customer terminal by using a product number given to the sold character product, wherein the website server is the character-related web. On the site, game executing means for performing a battle for finally obtaining the product number of each of the plurality of accessed customer terminals, gifting the product number or exchanging the product number, and the product number by the game executing means. 6. The character incidental insurance system according to any one of claims 1 to 5, further comprising means for making the customer terminal determined to be the beneficiary terminal accessible to the proxy server. 7. An insurance company server, a contractor server, a proxy server, and the proxy server, which are respectively installed by an insurance company, an insurance contractor who is a character right holder, and an insurance service proxy, and can transmit information to each other. In a method of operating a beneficiary terminal with a beneficiary terminal capable of transmitting information between the two, in the method of the agent server, (a) a character relating to a character ancillary insurance relating to a contract between the insurance company and the insurance policyholder. Types of
(2) receiving and registering the character product sales data including the product number given to the sold character product from the contractor server, and registering the character product type and insurance content in association with each other; c) receiving and registering beneficiary data including the product number given to the sold character product and the beneficiary of the character-added insurance from the beneficiary terminal; and (d) the beneficiary terminal. Determining the payment of the sympathy money by referring to the beneficiary data, the character product sales data and the insurance contract data based on the sympathy claim data transmitted from the character incidental character. Insurance management method. 8. The agent server further creates (e) insurance claim data for claiming insurance money on behalf of the insurance policyholder to the insurance company, and stores the insurance claim data in the insurance company server. The method of operating insurance with a character according to claim 7, characterized in that the step of transmitting to a character is executed. 9. The step (c) in which the agent server registers the beneficiary data, the step of transmitting the beneficiary data to the insurance company server, and the beneficiary data being given to the beneficiary by the insurance company server. 9. The step of receiving the identification number from the insurance company server and registering it in the beneficiary data storage means, and the step of transmitting the identification number to the beneficiary terminal are performed. How to operate the insurance with the listed characters. 10. The beneficiary data and the character product sales data based on a product number and an identification number included in the sympathy billing data in the step (d) in which the proxy server determines payment of sympathy money. 10. The method for operating a character-added insurance according to claim 7, wherein payment of sympathy money is determined by referring to the insurance contract data. 11. In the step (c) in which the agent server registers the beneficiary data, whether or not the product number is included in the character product sales data based on the product number included in the beneficiary data. The method of operating insurance with a character according to any one of claims 7 to 10, characterized in that. 12. The method further comprises the step of providing a website server that builds a character-related website accessible from a customer terminal by using a product number given to the sold character product. In the character-related website, a step of executing a game for finally obtaining a product number for each of a plurality of accessed customer terminals, giving a product number, or exchanging product numbers,
8. The step of making the customer terminal whose product number is determined by the game accessible to the proxy server as the beneficiary terminal is executed.
11. A method for operating insurance with a character according to any one of 11. 13. An insurance company server, a contractor server and a proxy server, which are respectively installed by an insurance company, an insurance contractor who is a right holder of a character, and an insurance service proxy, and can transmit information to each other, and the proxy server. Is a program executed by the agent server to operate a character-attached insurance by providing a beneficiary terminal capable of transmitting information between (a) relating to a contract between the insurance company and the insurance policyholder. Types of characters related to character incidental insurance,
A function of associating and registering the type and insurance content of a character product, and (b) a function of receiving and registering character product sales data including a product number given to the sold character product from the contractor server, c) a function of receiving and registering the beneficiary data including the product number given to the sold character product and the beneficiary of the character-added insurance from the beneficiary terminal, and (d) the beneficiary terminal. A function to determine payment of sympathy money by referring to the beneficiary data, the character product sales data, and the insurance contract data based on sympathy claim data transmitted from the character incidental character. Insurance management program. 14. The program executed by the proxy server further comprises: (e) creating insurance claim data for claiming insurance money on behalf of the policyholder and claiming the insurance claim data. 14. The character-added insurance management program according to claim 13, which realizes a function of transmitting to the insurance company server. 15. The function (c) of registering beneficiary data in a program executed by the agent server, the function of transmitting the beneficiary data to the insurance company server, and the insurance company for the beneficiary. A function for receiving an identification number given by a server from the insurance company server and registering it in the beneficiary data storage means, and a function for transmitting the identification number to the beneficiary terminal are realized. The character incidental insurance management program described in 13 or 14. 16. In the function (d) for determining payment of a welfare money in a program executed by the agent server, the beneficiary data, the beneficiary data based on a product number and an identification number included in the mortgage payment data. The character incidental insurance management program according to any one of claims 13 to 15, which implements a function of determining payment of sympathy money by referring to character product sales data and the insurance contract data. 17. In the step (c) in which the agent server registers the beneficiary data, whether or not the product number is included in the character product sales data based on the product number included in the beneficiary data. 17. The character incidental insurance management program according to claim 13, which realizes a function of confirming. 18. A program executed by a website server that constructs a character-related website accessible from a customer terminal by using a product number given to the sold character product, wherein the character-related website , A function of executing a game for finally obtaining a product number for each of a plurality of accessed customer terminals, giving a product number or exchanging a product number, and determining the product number by the game A program that implements a function of making the customer terminal accessible to the agent server as the beneficiary terminal in the character-added insurance management program according to any one of claims 13 to 17.