JP2004227019A - Communication system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a highly efficient communication system using a message exchange system. <P>SOLUTION: The communication system is provided with a message exchange server exchanging a message with a plurality of users. The message exchange server is provided with a unit browsing information management means, a unit browsing information generation supporting means, an access right management means and an access control means. When a user being object of management supplies risk management base information through unit browsing information for information supply, unit browsing information including at least description of a risk management plan is automatically generated. An access identifier for accessing unit browsing information which is automatically generated is transmitted to the user being the object of management through unit browsing information for information supply. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a communication system, and is preferably applied to, for example, a case where risk management is performed using a Web page.
[0002]
[Prior art]
Normal individuals or corporations (hereinafter referred to as “users”) do not properly recognize and understand the various risks surrounding them (property, liability, injury / illness, death, survival, warranty, various costs, etc.) Often. As an example, the risk of survival deals with cases in which individual users live longer than usual, causing problems in their retirement life planning.However, few people are familiar with these risk management methods. It is a reality.
[0003]
For this reason, proposers (hereinafter referred to as “specialized advisors”) belonging to insurance companies, their agents, risk consulting companies, etc. (hereinafter referred to as “risk managers”) are encouraged to raise awareness of the existence of risks through sales activities. It also provides insurance sales and risk avoidance / mitigation advice to deal with risks.
[0004]
Ideally, these specialized advisors comprehensively and comprehensively explain the various risks surrounding users to each of the customers, who are the customers, and propose ways to deal with the risks that reflect those risks. Business style. This type of business is called total risk consulting.
[0005]
In order to realize total risk consulting, it is necessary to have an overall picture of the risks surrounding users, so for the users concerned, examine the details of insurance contracts with each insurance company in detail and comprehensively There is a need.
[0006]
Recently, insurance products (total risk products) that design products for users while consulting on all risks surrounding users have also emerged. Such a total risk product can be regarded as an example that embodies total risk consulting.
[0007]
[Patent Document 1]
JP 2001-243281 A
[0008]
[Problems to be solved by the invention]
However, going to a store such as an insurance company, an agency, or a risk consulting company to receive the advice of the specialized advisor and face-to-face consultation with the specialized advisor (in a face-to-face manner) requires the user to: It takes time, effort, and is not efficient.
[0009]
Since the percentage of expert advisors who are highly experienced and skilled and can provide truly appropriate advice (advanced advisors) is by no means large, until the user encounters such an advisor Often consumes a lot of effort, time and resources.
[0010]
From the point of view of the risk manager as an organization, since only true advanced advisors can obtain great trust from many users over a long period of time, it is possible to efficiently utilize fewer advanced advisors. Although it is advantageous, there is a limit to efficiency improvement as long as face-to-face consultation is performed.
[0011]
On the other hand, whether or not a specialized advisor is competent, in order to realize the above-mentioned total risk consulting, the details of the insurance contract with each insurance company for the relevant user should be grasped in detail and comprehensively. Therefore, complicated work for both the user and the specialized advisor is performed for a long time. This task is too cumbersome and tends to be avoided by both professional advisors and users.Thus, while total risk consulting is ideal, in practice, such complications are much less common, such as fire and fire. In many cases, only conventional insurance products that deal with limited risks, such as automobiles, are sold, and total risk consulting has not been realized.
[0012]
Also, for the total risk product, such complexity is likely to hinder sales promotion.
[0013]
[Means for Solving the Problems]
In order to solve such a problem, according to the present invention, in a communication system including a message exchange server for exchanging messages between a plurality of users, the message exchange server (1) is configured to: A unit for generating and managing unit browsing information including a description of the risk management plan and / or risk management basic information on which the risk management plan is based for a managed user who is provided with a related risk management plan. A browsing information management unit, and (2) a unit browsing that supports generation of the unit browsing information by collecting, identifying, and supplying risk management basic information on the management target user to the unit browsing information management unit. Information generation support means; and (3) said management among said users. Access right management means for managing an access right to the unit browsing information for a management proposed user who proposes the risk management plan to the target browsing user by describing the risk management plan in the unit browsing information; And an access control unit that dynamically changes the access authority of each management proposal user to the unit browsing information for the management target user in response to the instruction.
[0014]
BEST MODE FOR CARRYING OUT THE INVENTION
(A) Embodiment
Hereinafter, an embodiment will be described with an example in which the communication system according to the present invention is applied to an EC site.
[0015]
This EC site is mainly a BtoC EC site in relation to the user, and is mainly a BtoB EC site in relation to the insurance company (or specialized advisor).
[0016]
(A-1) Configuration of the embodiment
FIG. 1 shows an overall configuration example of an EC system 10 according to the present embodiment.
[0017]
1, the EC system 10 includes information providing terminals 8 and 9, proposal terminals 13 and 14, user terminals 15 and 16, a network 17, and an EC site 18.
[0018]
The network 17 may be a LAN (local area network) or the like, but is assumed to be the Internet here.
[0019]
The EC site 18 is a membership site that executes EC (electronic commerce), and includes a Web server 11 and a database server 12. Although omitted in FIG. 1, it is natural that various network devices such as a router and a firewall, and servers such as a DNS server are appropriately arranged in the EC site 18. Further, in the present embodiment, it is desirable to provide an FTP server in the EC site 18 in order to receive a large amount of information supplied from the information providing terminals 8 and 9. In that case, the information received by the FTP server may be stored in the database 12.
[0020]
The member users accessing the EC site 18 are roughly classified into three types. The first is the user, the second is a specialized advisor (including a highly specialized advisor) for giving risk management advice (that is, providing a proposed risk management) to the user, and the third is the above-mentioned user. This is an information providing user who provides the contents of the insurance contract etc. for the person.
[0021]
Here, the risk refers to uncertainty regarding the occurrence of damage. The risk management is a process required to minimize the economic loss that may occur to the user as a result of the occurrence of the damage. Specifically, the following procedures (1) to (4) ), Or by successively executing the procedures (1) to (4).
[0022]
(1) Identify and explain risks that may cause damage
(2) Measurement of expected damage amount when damage occurs
(3) Selection of appropriate countermeasures (including a combination of multiple countermeasures) for risks that cause damage
(4) Management of the above procedures (1) to (3) (including execution of the “appropriate risk coping method” of the above (3))
In addition, in the proposed risk management, in addition to encouraging the purchase of insurance products in case an event that could cause damage occurs, measures such as measures to prevent the occurrence of the event that could cause damage itself, etc. Suggestions may also be included.
[0023]
Users (for example, U11 and U12) access the EC site 18 using the user terminals 15 and 16, and specialized advisors (for example, U21 and U22) use the EC terminals 18 and 17 for proposal terminals 13. The information providing users (for example, U31 and U32) access the EC site 18 using the information providing terminals 8 and 9, respectively.
[0024]
The user terminals 15 and 16, the proposal terminals 13 and 14, and the information providing terminals 8 and 9 are basically ordinary personal computers having a network function, a display device, a keyboard, a mouse, a hard disk, a RAM, and the like. May be. However, in the configuration of the present embodiment, it is essential that the terminals 13 to 16 are equipped with a Web browser which is client software used for browsing Web pages and the like. It also has a mailer used for reading and writing.
[0025]
Further, a cache area under the control of the Web browser is provided in a partial area of the hard disk, and Web pages of the EC site 18 that the user U11 has browsed so far can be used as long as the capacity of the cache area allows. save.
[0026]
In the case of the information providing terminals 8 and 9, the information providing terminals 8 and 9 may be configured in the same manner as the user terminals 15 and 16 and the suggestion terminals 13 and 14, and may provide information according to an instruction from the information providing user U31 or the like. It is also desirable to provide a configuration in which information is provided automatically and periodically without the instruction of the user U31 or the like. In that case, the information providing users U31 and U32 are not necessarily required, and user interfaces such as a display device, a keyboard, and a mouse can be omitted.
[0027]
In the example of FIG. 1, both the user and the specialized advisor are illustrated by two, but it is obvious that the number is not limited to two. In particular, when the EC system 10 is actually operated, it can be expected that thousands to tens of thousands of users or more or more members can be registered and accessed. Although the number of specialized advisors to be registered is likely to be smaller than the number of users, it can be expected to be tens to hundreds or more.
[0028]
The same applies to the information providing user, but a plurality of specialized advisors can exist in one organization (such as the risk manager), whereas the number of information providing users who merely provide information is sufficient for one organization. Therefore, the number of information providing users is likely to be even smaller than the number of specialized advisors.
[0029]
In order to realize the total risk consulting described above, it is necessary for a specialized advisor (for example, U21) to grasp the entire picture of the risks surrounding the user (for example, U11). Since the expert advisor recognizes the whole picture through the web page provided by the web server 11, the database 12 connected to the web server 11 has enough information to grasp the whole picture. Must be accumulated. Therefore, the information providing terminal (for example, 8) installed in each insurance company (for example, M2) provides the EC site 18 with the contents of the user's insurance contract and the like as business provider information.
[0030]
In this case, an insurance company or the like that installs the information providing terminals 8 and 9 and provides information to the EC site 18 is called an information provider.
[0031]
If it is necessary to provide such information, the information provider or the like may obtain the consent of the user in advance.
[0032]
However, for example, when the business operator M1 that operates the EC site 18 and the insurance company are the same, it is considered that such consent is unnecessary.
[0033]
There is a so-called affiliate relationship between the operator M1 that operates the EC site 18 and the risk managers M4 and M5 to which the specialized advisor belongs, or between the operator M1 and the information providers M2 and M3. Although it does not matter, the operator M1 may be an independent operator that does not belong to any of the affiliates.
[0034]
The user may be a natural person or a corporation, but even in the case of a corporation, actually accessing the EC site 18 by operating the user terminal 15 or the like is based on the risk management of the corporation. It is natural that he is a natural person such as a person in charge. Therefore, in the following description, the person U11 or U12 actually operating the user terminal will be referred to as a user.
[0035]
In this regard, the same applies to the specialized advisors U21 and U22.
The risk manager (here, M4) to which the specialized advisor (for example, U21) belongs is in contact with the insurance company (that is, the information provider M2, M3) with which the user (for example, U11) actually makes an insurance contract. There may be a match, and such a match is desirable in the configuration of the present embodiment.
[0036]
That is, in FIG. 1, the information providers M2 and M4 and the risk managers M4 and M5 are shown as different entities, but they may be the same.
[0037]
In addition, it is natural that an insurance company other than the risk manager may be the information provider.
[0038]
The internal configuration of the EC site 18 described above is, for example, as shown in FIG.
[0039]
(A-1-1) Internal configuration example of EC site
2, the EC site 18 includes a communication unit 20, a user authentication unit 21, an information collection unit 22, a page generation unit 23, a page reading unit 24, an information aggregation unit 25, a payment processing unit 26, , A database 27.
[0040]
The components 20 to 26 other than the database (subordinate to the database server 12) 27 are included in the Web server 11.
[0041]
The communication unit 20 is a part that communicates with the Web browsers of the terminals 13 to 16 and executes processing corresponding to the HTTP protocol. The communication unit 20, together with the page generation unit 23 and the page readout unit 24, performs a consistent response and processing for a series of accesses from a member user (for example, U11). Perform session management. There are various methods for realizing session management. For example, a method using a cookie, a method using an SSL session ID, and the like can be used.
[0042]
The user authentication unit 21 is a part that allows the users U11 to U22 who have accessed the EC site 18 to input a user ID and a password set at the time of member registration and execute user authentication. If the result of the user authentication is not positive, the process cannot proceed to the subsequent processes. If the result of the user authentication is negative, the accessing person (non-member) may be allowed to view a message for prompting a member registration or the like according to the control from the user authentication unit 21.
[0043]
The page reading unit 24 reads various files (HTML files, image files, and the like) stored in the database 27 in order to allow a user who accesses with a predetermined URL to browse a Web page corresponding to the URL, This is a part to be transmitted via the communication unit 20. One Web page is usually composed of one or a plurality of various files (such as image files) in addition to a basic HTML file, so that a plurality of files are read in one access in many cases.
[0044]
If a non-member accesses, if the member registration is not performed, the page reading unit 24 reads only the login page (also an HTML file) of the top page and only the Web page displaying a message prompting the member registration. Other web pages cannot be browsed. Even if such a non-member accesses by specifying a URL (for example, URL 11 (see FIG. 5)) that actually exists in the EC site, in this case, the communication unit 20 rejects the predetermined access. Returns status code.
[0045]
If it is assumed that the user who has accessed is one of the registered users (for example, U11), what the user can view in the processing after login is basically prepared for himself / herself. The page reading unit 24 reads the personal Web page PP1 for the user U11 from the database 27, and sends the personal Web page PP1 for the user U11 to the user terminal 15 via the Internet 17 from the communication unit 20. Will be sent.
[0046]
Of course, it goes without saying that the personal Web page PP1 for the user U11 may cover a plurality of pages or may be composed of a plurality of files.
[0047]
However, since the personal Web page PP1 describes personal information such as the contents of the insurance contract of the user U11, other users (for example, U12) access the personal Web page for U11. I can't.
[0048]
Conversely, the user U11 cannot access the personal Web page PP2 for the user U12.
[0049]
In short, of the huge number of personal Web pages (PP1 and PP2 are part of them) stored in the database 27, each user can access (browse and write information) for himself / herself. There is only a personal Web page.
[0050]
If a real URL is specified to access another person's personal web page, even if the user is a registered user, access is rejected from the communication unit 20 in the same manner as in the case of a non-member. You will receive a status code.
[0051]
The personal Web page PP1 for a certain user (for example, U11) includes a Web page for the user U11 to browse, and a specialized advisor (for example, U21) that proposes a proposal risk management to the user. ) May be the same as the web page viewed by the user, but in the present embodiment, the two do not match. Further, when there are a plurality of personal Web pages browsed by the user U11 and a plurality of Web pages browsed by the specialized advisor, some of the Web pages may overlap, but in the present embodiment, there is no overlap, All Web pages are assumed to be distinct.
[0052]
One or more personal Web pages (Web pages for user) for the user U11 to browse are designated as PP11, and one or more personal Web pages for the user U11 for the professional advisor to browse. (Web page for specialized advisor) is PP12.
[0053]
Similarly, the user Web page for the user U12 is referred to as PP21, and the Web page for the specialized advisor regarding the user U12 to be browsed by the specialized advisor is designated as PP22.
[0054]
On the user Web pages PP11 and PP21, self-provided information (for example, personal information relating to insurance contracts and the like) input and provided by the user and contents of the proposed risk management proposed by the expert advisor are displayed. The Web page for professional advisors includes not only the self-provided information input by the user but also information not input by the user (information provided by the information providers M2 and M3, etc.). indicate. The information that has not been input by the user includes information that the user has refused to input in exchange with the Web server 11.
[0055]
It is highly likely that the EC site 18 will collect and display on the Web page the information that has been refused input without permission, but the information that has been refused input also requires high-quality proposal risk management. It can be important information to create. Even if the user uses the information that he refused to enter in the creation, he may accept the proposed risk management if he / she determines that the proposed risk management is truly beneficial. high.
[0056]
Note that a plurality of specialized advisors may propose the proposed risk management to the same user (for example, U11). The proposal of the proposal risk management may be made free of charge or may be made for a fee.
[0057]
In the database 27, an enormous number of personal Web pages are stored for an enormous number of users who have registered as members on the EC site 18, and the page reading unit 24 reads out the user U11 from among them. In order to specify the personal Web page, the user ID and the password input on the login screen can be used.
[0058]
On the other hand, if it is assumed that the user who has accessed is one of the registered specialized advisors (for example, U21), the first time the specialized advisor U21 browses in the processing after login is prepared for himself / herself. The advisor's top page PA1 and, if necessary, by utilizing the functions described later of the advisor's top page PA1 and belonging to the individual advisor's Web page (for example, the PP1). The user browses a page (for example, PP12).
[0059]
Therefore, in response to the access from the specialized advisor, the page reading unit 24 reads the advisor's top page PA1 after the login screen (of course, the authentication result is positive) and transmits it to the suggestion terminal 13. Become. Again, in order to identify the advisor top page PA1 for the specialized advisor U21 from among a large number of advisors registered as members (U21 and U22 are part thereof), the advisor input on the log-in screen. The user ID and password will be used.
[0060]
In the processing of the Web server 11, it is necessary to distinguish between a user and a specialized advisor, and the distinction is made at the time of member registration by allowing each user to select whether to register as a user or to register as a specialized advisor. This can be realized by storing the result of the selection in the specialized advisor management table TA of the database 27. As an example, it is also convenient to give different features to the user ID assigned to the user at the time of member registration and the user ID assigned to the specialized advisor.
[0061]
The page generation unit 23 has a function of generating a Web page such as the personal Web page (for example, PP1) or the top page for advisors (for example, PA1). The generated Web page is newly or Is stored in the database 27 in such a manner that the existing corresponding Web page is updated.
[0062]
A new Web page is stored in the database 27 when a new member registration is performed and a personal Web page or a top page for a specialized advisor is generated for the member, and the Web page is stored in an updated form. This is done when a part of the content of the personal Web page or the top page for the specialized advisor already stored in the database 27 is changed. Such a change occurs, for example, when the proposed risk management described on the personal Web page is changed.
[0063]
The generation of Web pages such as the Web pages PP11 and PP12 by the page generation unit 23 is performed based on the information collected by the information collection unit 22.
[0064]
The content of the proposed risk management created for each user by the specialized advisor is also generated as a predetermined Web page (suggested risk management page) by the page generation unit 23, and is used by the user (for example, U11) for personal use. It is one component of the Web page PP1.
[0065]
The information collecting unit 22 is a part that collects information input by a user or a specialized advisor using a so-called form function, and temporarily stores the information in the database 27. The temporarily stored information may be deleted after being used for generation of a Web page by the page generation unit 23. If necessary, the collected information may be directly passed to the page generation unit 23 without being stored in the database 27, and the page generation unit 23 may immediately generate a Web page based on the information.
[0066]
If necessary, the information providing user (U31 or the like) may provide the business providing information to the EC site 18 using a form.
[0067]
The form is an HTML file having various fields such as a text box, a text area, and a radio button. Information input to each field of the form being viewed by the user U11, the specialized advisor U21, the information providing user U31, and the like via the Web browsers of the terminals 15 and 13 (including the information provided by the business operator) is transmitted through the Internet 17. The information is transmitted to the Web server 11 via the Web server 11 and reaches the information collecting unit 22 in the Web server 18.
[0068]
When the size of the information to be input is large, the information may be transmitted from each terminal 15, 13, 8, or the like using the FTP protocol instead of the form. To this end, it is necessary to prepare the FTP server on the EC site 18 side. However, since many Web browsers widely used at present also have an FTP client function, users, specialized advisors, and information provision It is unlikely that a member user such as a user will need to add a special function to the terminals 8, 9, 13 to 16.
[0069]
In the case where the FTP protocol is used, it is desirable that the provider-provided information be accommodated in a CSV format file (CSV file) and transmitted.
[0070]
The information aggregating unit 25 performs an aggregation process on the provider information supplied from the information providing terminals 8 and 9, thereby facilitating the understanding of the overall risk image with respect to the user of interest (for example, U11). Partially enables efficient total risk consulting.
[0071]
In many cases, the providers M2, M3, etc., which are the providers of the provider-provided information, are different from the provider M1 or any one of the risk managers, and therefore are the same user (for example, U11). There is a difference such as giving a different user ID to the user, and as it is, out of the provider information provided to the EC site 18, which provider information is information indicating the insurance contract content of the user U11. There are inconveniences such as not being able to be identified. What solves this inconvenience is the aggregation processing performed by the information aggregation unit 25.
[0072]
Therefore, various processes may be included in the consolidation process. In the present embodiment, a process of identifying individual users and compiling the provider-provided information on the users (first consolidation process) and a first process are described. After executing the aggregation process of (1), a process of identifying corresponding information from among various information included in each provider-provided information and summarizing the operation (second aggregation process), and a close relative of a predetermined range related to the user (For example, a spouse), the first and second aggregation processes are executed, and the execution results are arranged as a part of the provider-provided information on the user (the third aggregation process). , An aggregation process is configured.
[0073]
The first aggregation process is an essential prerequisite when creating a proposed risk management for individual users.
When the first aggregation process is executed, generally, if only the notation rule of each user ID assigned to the user by the business operators M2 and M3 is known, the interpretation process is performed in accordance with the notation rule. Thus, the EC site 18 can also specify the user specified by the user ID. It is also desirable to use identification information other than the user ID as needed.
[0074]
For example, if a telephone number (an address or the like) and a name can be specified, in most cases, a user can be specified globally and uniquely.
[0075]
Further, it is desirable to execute the second aggregation processing and the third aggregation processing in order to perform accurate risk management.
[0076]
If necessary, the user Web page (for example, PP11) may display simulation information when the user adopts the proposed risk management along with the proposed risk management. When the proposed risk management is adopted, the simulation information is obtained after a predetermined time (for example, one month, three months, one year, ten years, or the like), the user's asset status, living status, and sales activity. This is information obtained by predicting how a situation or the like changes by simulation.
[0077]
For that purpose, the function of executing the simulation is provided inside or outside the EC site 18.
[0078]
The settlement processing unit 26 is provided between the risk manager including the risk manager to which the specialized advisor belongs and the user, between the user and the company M1 that operates the EC site 18, and between the risk manager and the company M1. It is a part that monitors the status of settlement during a period or the like and manages whether or not appropriate settlement has been performed.
[0079]
In the case of purchasing (contracting) or canceling insurance products, unlike online shops and internet auctions, which do not involve the delivery of goods as goods, the conditions required for settlement methods are fairly modest, and various settlement methods are used. Can be used.
[0080]
For example, in the case where the user U11 or the like purchases insurance products handled by the risk manager to which the specialized advisor U21 or the like belongs according to a certain proposed risk management, a server function for settlement is prepared on the proposed terminal 13 side. If it does, settlement can be completed only inside EC system 10.
[0081]
However, at this time, the agency is introduced, and a link to the agency's web page (not shown) or the risk manager's web page (not shown) as an insurance company is provided on the user web page PP11. It is also desirable to provide a link.
[0082]
In the settlement, a credit card settlement via a credit card company or the like outside the EC system 10 can be used as necessary.
[0083]
As described above, when an insurance contract is completed on a personal Web page or a Web page of an agency or the like, the insurance company or the agency also has the advantage of making sales activities more efficient. Utilization may be used to reduce insurance premiums compared to normal contracts.
[0084]
When a user contracts or cancels insurance on the user Web page, or contracts or cancels insurance other than on the user Web page (such as an agency linked to the user Web page). Contracted / cancelled insurance on the web page, or went to a store and contracted / cancelled insurance face-to-face, etc.), the contents were entered and recorded on the computer of the insurance company or agent, and the computer When the result of the input and accounting is transmitted, the result is added to the user's insurance enrollment status displayed on the user Web page PP11, the professional advisor Web page PP12, the agency Web page, and the like. It is also desirable to reflect it.
[0085]
If necessary to transmit the results of the input and accounting, if necessary, the EC site 18 and the computer of each insurance company or agent are connected to a dedicated line or an IP network (a closed IP network (IP-VPN network constructed by a communication carrier). May also be connected).
[0086]
In communication via the Internet 17, communication quality is not guaranteed, and it is often difficult to ensure sufficient immediacy. However, in a dedicated line or an IP network, communication quality can be ensured. And the results of the input and accounting can be promptly reflected in the contents of the personal Web page PP1.
[0087]
In addition, the accounting on the computer of the insurance company or the agency in response to the input and the rewriting of the personal Web page PP1 performed on the EC site 18 in response to the input are one transaction (integrally inseparable). By processing as an operation within an online transaction, it is also possible to logically ensure immediacy. For example, by configuring the transaction so that accounting on the computer of the insurance company or agent cannot be performed until after rewriting of the personal Web page PP1 is completed, the contents of the personal Web page PP1 and the insurance It is possible to always guarantee the consistency of the contents of the accounting of the computer of the company or the like.
[0088]
One transaction is an all-or-nothing process in which either all operations in the transaction are completely performed or one operation is not performed, and only a termination form is permitted. This is because if the contents of the page PP1 cannot be rewritten, accounting on a computer such as an insurance company cannot be performed.
[0089]
Basically, all communications performed via the Internet 17 in the EC system 10, including the communications for settlement, need to secure confidentiality by encryption. This is because most of the information exchanged by communication via the Internet 17 belongs to personal information, such as the contents of a user's insurance contract. Furthermore, if necessary, it is necessary to consider not only ensuring confidentiality but also detecting and preventing spoofing and tampering.
[0090]
SSL can be used for encrypting communication between the Web browsers of the terminals 13 to 16, 8, and 9 and the Web server 11 (including the FTP server), including the file transfer by the FTP, etc. In the encryption of credit card settlement via the Internet, protocols such as SET and SECE can be used.
[0091]
The company M1 that operates the EC site 18 may be a risk manager or the like to which an insurer or the like who has purchased an insurance product by a user (for example, U11) using the EC site 18 belongs to a specialized advisor registered as a member. For example, it may be possible to automatically receive a fee for providing a service such as a predetermined fee from the risk manager by electronic commerce.
[0092]
If necessary, the EC site 18 can be a free site that does not require such consideration. The fee may not be required for all the member users, but may be required for some of the users. For example, the user (U11 or the like) is not required to pay a fee, the risk manager (M4 or the like) is required to pay a fee, or vice versa. A request may be made, and the risk manager (M4 or the like) may not be charged.
[0093]
On the other hand, in the database 27, in addition to the Web pages such as PP1, PP2, PA1, and PA2 described above, a management table TA and TS for managing each user, and a business for storing the provider-provided information. A provider-provided information table DT1 and an aggregation result table DT2 that stores the result of performing the aggregation process on the provider-provided information in the provider-provided information table DT1 by the information aggregating unit 25 are stored.
[0094]
The management table TA is a table for managing specialized advisors, and the management table TS is a table for managing users. The specialized advisor and the user may be managed using the same management table. However, since the data items for management are different between the specialized advisor and the user, another management table is provided here.
[0095]
A configuration example of the user management table TS is as shown in FIG.
[0096]
In FIG. 5, the user management table TS includes “user ID”, “password”, “access permitted advisor”, “payment status”, and “URL” as data items (column names).
[0097]
The “user ID” is an identifier for uniquely identifying each user (user and specialized advisor) in the EC system 10. The whole or a part of the character string constituting the specific value of the user ID may be automatically generated on the EC site 18 side. However, since it is necessary to input each user at the time of login, the user ID The content must be communicated to each applicable user.
[0098]
“Password” is a character string that needs to be entered together with the user ID when each user logs in to the EC site 18.
[0099]
The “access permission advisor” is information that specifies a specialized advisor that allows each user to access his or her own personal Web page (for example, PP1). It is the user who makes this designation, and the content of the designation can be freely changed by the user at any time.
[0100]
Here, it is desirable to specify not the name of the risk manager to which each specialized advisor belongs but the personal name of the specialized advisor. Even if it is a specialized advisor belonging to the same risk manager, only a person (for example, U11) who has excellent experience and skill and deemed to be truly trustworthy can approve the user's personal Web page ( Here, it is desirable not to allow access to PP1).
[0101]
Therefore, it is desirable that the above-mentioned proposed risk management proposed by the professional advisor (for example, U21) according to the asset status of each user or the like is proposed not by the risk manager name but by the personal name of the professional advisor.
[0102]
If there is a possibility that uniqueness cannot be ensured only by the personal name of the expert advisor (the individual's first and last name), the name of the risk manager to which the expert advisor belongs or the user of the expert advisor instead of or together with the individual name An ID (a user ID for designation by the user may be prepared separately from the user ID managed in the table TA) may be used.
[0103]
Assuming that the number of specialized advisors registered on the EC site 18 is several hundreds as described above, if there are many advisors that allow access for one user, there is a possibility that several hundred individual names will be lined up. is there.
[0104]
The “payment status” is information indicating whether or not each user has appropriately paid a fee to the EC site 18. If necessary, the management of whether or not the settlement is properly performed between the risk manager, the user, and the business entity M1 to which the specialized advisor managed by the settlement processing unit 26 belongs also includes the payment of the fee. You may make it perform using a situation.
[0105]
“URL” is a URL that specifies the personal Web page (for example, PP1 or the like) of each user. In the case where the number of personal Web pages reaches a plurality of pages, the URL may be the URL of the page to be accessed first (for example, the PP11).
[0106]
In FIG. 5, a row L11 of U11ID, PW11, U21, appropriate, and UR11 at the top is a row corresponding to the user U11, and a second row L12 from the top is a row corresponding to the user U12. .
[0107]
Next, FIG. 6 shows a configuration example of the specialized advisor management table TA.
[0108]
In FIG. 6, the specialized advisor management table TA includes “user ID”, “password”, “target user”, “target URL”, and “fee payment status” as data items (column names).
[0109]
The “user ID”, “password”, and “payment status” are the same as those in the user management table TS shown in FIG.
[0110]
The “target user” is a data item corresponding to the data item “access permitted advisor” in the user management table TS, and can be targeted by each specialized advisor (that is, a proposal is made by browsing a personal Web page). Indicates a set of users (who can make risk management proposals).
[0111]
Assuming that the number of users registered as a member on the EC site 18 is tens of thousands as described above, if the number of users targeted by one specialized advisor is large, there is a possibility that tens of thousands of individual names will be lined up. is there.
[0112]
As for the personal name of the user, similarly to the personal name of the above-mentioned "access permission advisor", in order to ensure uniqueness, instead of or together with the personal name, the name of the corporation to which the user belongs, A user ID of the user (a dedicated user ID may be prepared separately from the user ID managed in the table TS) may be used.
[0113]
The “target URL” is a data item indicating the URL of a personal Web page (for example, PP1) that can be targeted (ie, browsed) by each specialized advisor. The specific value of the “target URL” for each specialized advisor is determined based on the specific value of “access permitted advisor” and the specific value of “URL” in the user management table TS. When the value of the “access permitted advisor” is changed, the specific value of the “target URL” is changed in conjunction with the change. This is the same for the data item “target user”.
[0114]
However, when the personal Web page (for example, PP1) is composed of a plurality of pages, it is not always necessary to allow all specialized pages to be browsed even by a specialized advisor to which access is permitted, and it is possible to browse per page. It is not necessary to For example, among a plurality of Web pages constituting a personal Web page (for example, PP1), only URLs of some Web pages are described in the “target URL” so that only the Web pages can be accessed. Alternatively, a new Web page may be generated by the page generation unit 23 based on only a part of the information in a certain Web page, and the Web page may be browsed by the specialized advisor.
[0115]
Note that, like the “target user”, if the number of URLs described in the “target URL” is large according to the number of registered users, for example, the above-mentioned tens of thousands (or , Several times that number).
[0116]
In FIG. 6, the uppermost U21 ID, PW21, U11, U12, URL11, URL12, and the appropriate row L21 correspond to the specialized advisor U21, and the second row L22 from the top corresponds to the specialized advisor U22. Line
[0117]
Hereinafter, the operation of the present embodiment having the above configuration will be described with reference to FIGS. 3, 4, and 7. FIG.
[0118]
FIG. 7 is a system flow showing the processing of the information aggregating section 25 or the processing performed by the information provider (M2 or the like) in connection with the processing of the information aggregating section 25, and has respective steps of S10 to S20.
[0119]
FIGS. 3 and 4 are diagrams for explaining the processing of the information aggregating unit 25.
[0120]
(A-2) Operation of the embodiment
The above-mentioned users U11 and U12 and the specialized advisors U21 and U22 have completed the membership registration with the EC site 18, respectively. The user management table TS is in the state shown in FIG. 5, and the specialized advisor management table TA is in the state shown in FIG. And
[0121]
In this case, based on the value of the data item “access permission advisor”, the user U12 allows the specialized advisors U21 and U22 to access their own personal Web page, and the user U11 denies the access of the specialized advisor U22. It can be seen that only the access of the specialized advisor U21 is permitted.
[0122]
Accordingly, of the personal Web page PP2 of the user U22, the Web page specified by the “target URL” can be accessed by both the professional advisors U21 and U22, and the personal Web page PP1 of the user U21 can be accessed. Of these, only the specialized advisor U21 can access the Web page specified by the "target URL".
[0123]
As a result, the user U11 does not need to know the contents of his or her insurance contract or be provided with the proposed risk management to the specialized advisor U22 who has determined that the user U11 cannot be trusted. Specialized advisors deemed by the user (such as U11) to be questionable in their ability to provide appropriate proposed risk management are thus denied access by each user to the personal web page.
[0124]
On the other hand, if the user (name is Taro Nichido and the spouse is Hanako Nichido) U11 has concluded an insurance contract with the information provider M2 or M3, which is an insurance company, etc. On the side of the business operators M2 and M3, each of the insurance contract data DT11 to DT14 summarized in units of insurance (for example, medical insurance, car insurance, etc.), or each data item (for example, name, insurance A contract data ID is assigned to each type and insurance payment (in the case of medical insurance, the hospitalization daily amount) (S10, S12).
[0125]
In FIG. 7, since the ID for each insurance contract data DT11 to DT14 is not shown, the contract data ID is an ID for identifying each data item in the insurance contract data.
[0126]
Furthermore, each information provider M2, M3 also assigns a risk ID for each type of risk (S11, S13). The type of risk usually corresponds to the type of insurance. For example, in the case of medical insurance or life insurance, an insurance money is usually paid when a user (for example, U11) is hospitalized, and has the same effect on the risk of hospitalization. , R01).
[0127]
As is clear from FIG. 7, of the insurance contract data DT11 to DT14, DT11, DT12, and DT14 are provided by the information provider M2, and DT13 is provided by the information provider M3. It is. DT11 to DT13 are insurance contract data relating to the user U11, and DT14 is insurance contract data relating to the spouse of the user U11.
[0128]
The EC site 18 of the company M1 that has received the business providing information including the insurance contract data DT11 to DT14 stores the insurance contract data DT11 to DT14 in the business providing information table DT1, and then stores the information aggregating unit 25. Works.
[0129]
Unless an agreement or the like is made in advance, the contract data ID and the risk ID are usually local identification information that can be used only inside each information provider (for example, M2). Is global (at least, uniqueness is guaranteed inside the communication system 10). In order to assign such a global contract data ID, an agreement is made between the information providers (for example, between M2 and M3), and the notation rules of the contract data ID are the same in the system. It is necessary to be configured as follows.
[0130]
If such global identification information is provided when the provider-provided information is provided, the aggregation processing performed by the information aggregation unit 25 is simplified.
[0131]
Although there may be various contents of the aggregation processing executed by the information aggregation unit 25, here, a temporary family ID and a personal ID are first given (S14, S15). The family ID is information for identifying the family of the user, and the personal ID is information for individually identifying members of the family including the user. As is clear from FIG. 7, here, as an example, a seven-digit decimal number is used for the family ID, and the personal ID is obtained by combining a two-digit decimal number at the end of the family ID.
[0132]
Next, the above-mentioned global contract data IDs are collated to perform name identification (S16).
[0133]
Here, the name identification, the postal code, the address, and the contract data ID of the date of birth among the data items of the contract data are collated, but if necessary, these are directly used without using the ID. It is also possible to perform name identification by collating the contract data body. In such a case, although it is necessary to take measures to absorb the fluctuation of the notation, the information providers M2 and M3 do not need to assign a global contract data ID, so that the And the system does not need to be configured so that the notation rules of the contract data ID are the same. In some cases, the contract data ID itself may be omitted.
[0134]
Although the name, zip code, address, and contract data ID of the date of birth are collated here, some of them can be omitted or replaced with other identification information. For example, even if the postal code and the date of birth are omitted and only the contract data ID of the address and the name are used, in most cases, uniqueness is ensured and no problem is considered.
[0135]
When the name identification in step S16 is completed, those having different family IDs or individual IDs in steps S14 and S15 are collected into one (S17, S18). As a result, the aggregation of family units and individual units is realized. For example, the contract data DT11 to DT14 are provider-provided information corresponding to one family (family of the user U11), and among them, DT11, DT12, DT14 Indicates that the insurance policy is for the user U11, and D14 is the insurance policy for a member other than the user U11 (here, a spouse) belonging to the family of the user U11. By performing further processing, for example, it is possible to specify that the contract data DT14 is a spouse of the user U11.
[0136]
Next, the risk ID is collated (S19), and the action (guarantee) of the same risk ID is synthesized to calculate the magnitude of the total action (guarantee) of the user (for example, U11) regarding the risk. Can be performed (S20). In step S20, the aggregation process performed by the information aggregation unit 25 is completed.
[0137]
FIGS. 3A to 3C illustrate the processing of steps S10 to S18 described above using another case as an example.
[0138]
FIG. 3 shows a case where the information provider is four insurance companies.
[0139]
FIGS. 4A and 4B illustrate the processing of steps S19 to S20 taking another case as an example.
[0140]
In FIG. 7, the size of the total security was calculated only for the hospitalization security. However, in FIGS. 4 (A) and 4 (B), multiple insurance companies also cover other security such as personal liability, death from injury and illness. To calculate the size of the total security.
[0141]
With the above-described aggregation processing, the contents of the provider information stored in the provider information table DT1 are arranged and aggregated, and the aggregation result is stored in the aggregation result table DT2. The contents of the insurance contract relating to the user U11 can be displayed in an easy-to-understand manner on the specialized advisor Web page PP12 of the specialized Web page PP1, so that the specialized advisor U21 provides an overview of the risks surrounding the user U11. It can be grasped efficiently in a short time.
[0142]
Thereby, the specialized advisor U21 can provide high-quality proposed risk management via the specialized advisor Web page PP12, and thus can easily realize the total risk consulting which has been difficult to realize conventionally. Become.
[0143]
In order to reflect the proposed risk management described by the specialized advisor U21 on the specialized advisor Web page PP12 in the description content of the user Web page PP1, it is necessary to implement a CGI program or the like in the page generator 23. This can be easily realized.
[0144]
Further, in the present embodiment, the user U11 does not require much time and labor to realize the total risk consulting.
[0145]
The user U11 can purchase a new insurance product basically at any time if he feels the necessity by browsing the proposed risk management proposed by the specialized advisor U21 and simulation information thereof. Naturally, this purchase may be made via the EC site 18.
[0146]
In the purchase via the EC site 18, since the function of the settlement processing unit 26 and the credit card settlement by a protocol such as SET or SECE can be used, the user U11 can use the user U11 without going to an insurance company store. All that is required is to operate the terminal 15.
[0147]
In order to notify the user U11 that a new proposal risk management has been proposed or that simulation information has been generated and stored in the database 27, an e-mail is sent from the EC site 18 to the user terminal 15. You may make it transmit.
[0148]
In this case, it is desirable to provide a mail server in the EC site 18 or a function of automatically generating such an e-mail. Further, the electronic mail may be addressed not to the user terminal 15 but to a mobile phone (not shown) of the user U11. In the e-mail system of the mobile phone, the arrival of the e-mail can be immediately transmitted to the user U11 by a ring tone or vibration, regardless of where the user U11 is. A quick response can be expected.
[0149]
On the other hand, when the specialized advisor U21 accesses a personal Web page of a user such as U11, the expert advisor U21 browses the advisor top page PA1 before that.
[0150]
The advisor top page is accompanied by one or more hyperlinks and a program associated with the advisor top page. The hyperlink is a value “URL 11” or “URL 12” of “target URL” shown in FIG. 6, and is operated by the user U11 via the Web browser of the user terminal 15 (click, etc.), and the corresponding user (eg, , URL 11 can access the personal Web page (for example, PP1) of the user U11).
[0151]
As a result, the specialized advisor U21 can access the personal Web page PP1 only by performing a simple operation such as clicking.
[0152]
The top page for the advisor is also stored in the cache area under the control of the web browser. Therefore, the top page for the advisor can be read out and displayed on the screen by the function of the web browser each time. It is also possible to cope with the case where there are a plurality of hyperlinks and the specialized advisor U21 needs to access the personal Web pages of a plurality of users.
[0153]
As a result, the possibility that the status code such as the access denial described above is transmitted from the communication unit 20 of the Web server 11 is eliminated, and the operability is extremely good. Therefore, the specialized advisor U21 concentrates only on creating the proposal risk management. can do.
[0154]
Further, when good operability is demanded, the advisors are read from the cache area one by one by utilizing the functions of the program, the functions of plug-in software for adding new functions to the Web browser, and the functions of frames. It is also possible to make it possible to successively access a plurality of personal Web pages only by a simple operation such as a click, without performing an operation for reading out the home top page and displaying it on the screen.
[0155]
As an example, the URL of a personal Web page (for example, PP12) of a plurality of users (for example, U11) who have permitted access to the specialized advisor (for example, U21) is used by using a frame in which a menu is placed. It is also efficient to embed it as a hyperlink in the menu. However, in this case, it is necessary that the proposed terminals 13 and 14 are equipped with a frame-compatible Web browser.
[0156]
In order to efficiently provide the proposed risk management to a large number of users, such a function of the top page for the advisor is important.
[0157]
According to the top page for advisors, advice can be provided much more efficiently than when face-to-face advice is given, so even from the perspective of a risk manager, a small number of highly specialized advisors can be used efficiently. There are advantages.
[0158]
In order to further improve the efficiency of advice, it is also possible to build a system that can provide the same proposed risk management to multiple users who meet the specified conditions from a single expert advisor in a lump. desirable.
[0159]
For example, by performing a search process on an aggregation result table (for example, the DT2) relating to a large number of users, it is possible to specify a group of users whose insurance contract content meets a predetermined condition. The user can be provided with more important proposed risk management and can collectively recommend purchase of insurance products through the proposed risk management.
[0160]
As an example, each user can conclude a life insurance contract having the same contents as the life insurance A1 contracted, and the premium is more advantageous than the life insurance A1 premium corresponding to the policy. It is possible to recommend the purchase of the product A2 to a plurality of users obtained by the search processing.
[0161]
According to this method, the expert advisor can efficiently propose the proposed risk management, so that one expert advisor (for example, U21) can simultaneously provide the proposed risk management to, for example, tens of thousands of users. It is.
[0162]
In addition, the risk manager, as an insurance company that provides products, conducts screening according to the user's asset status, etc., and provides only the selected users with proposal risk management of their own highly specialized advisors, etc. Becomes possible.
[0163]
When an innovative insurance product is developed, the highly specialized advisor can sell the insurance product by, for example, creating a proposal risk management including the purchase of the insurance product.
[0164]
Conversely, there is the advantage that the user is more likely to be offered the proposed risk management by a small number of highly specialized advisors.
[0165]
(A-3) Effects of the embodiment
According to the present embodiment, it is possible to provide an efficient EC system for both the user and the professional advisor.
[0166]
This efficiency increases the possibility that the user can obtain appropriate advice (provision of proposed risk management) from a small number of highly specialized advisors.
[0167]
In addition, for a risk manager or the like to which such a highly specialized advisor belongs, there is an advantage that a large amount of trust can be obtained from a user for a long period of time by efficiently utilizing a small number of highly specialized advisers.
[0168]
Further, it becomes easy to realize total risk consulting, which has been difficult to realize in the past.
[0169]
Note that the present embodiment is also effective when used for selling the total risk product.
[0170]
(B) Other embodiments
Note that, in the above embodiment, the professional advisor is provided with the proposed risk management based only on the information provided by the business operator, without using the information collected from the user using a form or the like, and the proposed risk management is described. The personal Web page (PP1 or the like) may be generated, but in this case, it is necessary to notify the URL of the personal Web page to the user.
[0171]
For this notification, push-type communication can be used. The push-type communication may include, for example, postal communication in addition to communication via a network such as e-mail.
[0172]
In the case of e-mail, if the user uses a mailer corresponding to the link, the web browser is automatically activated by simply operating (clicking) the link (URL) described in the body of the e-mail. It is possible to access the personal Web page specified by the URL.
[0173]
Also, when the expert advisor provides a proposal risk management based on self-provided information collected from the user using a web page such as a form, and a personal Web page describing the proposal risk management is generated. Also, the user may browse the URL of the personal Web page.
[0174]
However, in this case, since the user is browsing the Web page to fill in the form, the user can use the same pull-type communication as the normal Web browsing without using the push-type communication such as the e-mail. The URL can be viewed by the user in the form of a communication, that is, an HTTP response in response to an HTTP request for transmitting the input contents of the form from the user side to the Web server side.
[0175]
At this time, the Web server receives the HTTP request from the specialized advisor side in advance by obtaining predetermined conditions relating to the overall image of the user and information on proposed risk management to be proposed to the user corresponding to the predetermined conditions. In this case, a personal Web page may be immediately generated based on the information, the URL thereof may be determined, and the HTTP response may be returned. Such processing can be realized by a CGI program or the like installed on the Web server side.
[0176]
In addition, the URL does not allow the user to view the URL itself, but allows the user to view a display component such as a button corresponding to the URL, and according to the operation of the button or the like, to a personal Web page designated by the URL. Obviously, the user may be allowed to access.
[0177]
In the above embodiment, the terminals 13 to 15, 8, and 9 and the EC site 18 are all connected via the Internet. However, if necessary, all or a part of the terminals may be connected via a dedicated line. Of course, it may be.
[0178]
For example, a connection between the proposed terminal (13 or the like) and the EC site 18 may be established by a dedicated line.
[0179]
Further, in addition to SSL, IPsec (VPN) or the like can be used for encrypting communication between the EC site 18 and each terminal (such as 15).
[0180]
In the above embodiment, the terminals 13 to 16 are personal computers. However, the personal computers can be replaced with mobile terminals such as PDA terminals, PHS terminals, mobile phones, and digital television terminals. Further, instead of these general-purpose terminals, dedicated terminals may be used.
[0181]
Although the hypertext system is used in the above embodiment, a mailing list system or the like can be used.
[0182]
Although many modifications have been described in the above embodiment, it is also desirable to use the following modifications (V1) to (V7).
[0183]
(V1) Self-provided information (for example, personal information such as the age of a car driver, the number of cars owned, and the repurchase price of a house) input by the user to the user Web page (for example, PP1) is: An input facilitation system that prompts the user to promptly input missing information through the screen that the user is browsing for if the input is not sufficient to create appropriate proposal risk management.
[0184]
In this case, whether or not the input self-provided information is sufficient to create appropriate proposal risk management can be determined using a CGI program or the like on the Web server 11 side.
[0185]
In order to promptly input missing information while browsing the Web page, interactive processing via the Web page is performed, but it may take some time. For example, an e-mail, a direct mail using a paper medium, an insurance policy, or the like can be used to prompt input. Further, it is possible to prompt the input using the push-type communication. However, in the case of the push-type communication, there are two types, a type prompting the user immediately and a type prompting the user after a certain period of time, depending on the detailed specifications. possible.
[0186]
The same applies to the case where the EC site 18 receives the input of the provider information. This is because prompting for input of the missing information may occur not only when the input of the self-provided information is received but also when the input of the provider-provided information is received.
[0187]
Considering the operation burden of the system of the information provider (for example, M2, etc.), in reality, the information provided by the provider is transferred in a large amount in a lump using the FTP protocol or the like. However, if the provider-provided information is transferred interactively using a web page form or the like, the EC site 18 may provide the information provider with insufficient information. It is possible to promptly input the information that is present.
[0188]
In addition, whether the information provided by the provider is provided interactively or unilaterally transferred using the FTP protocol or the like, it is not possible to prompt the input of the missing information by the e-mail or the push-type communication. It is possible.
[0189]
Basically, it is necessary to prompt the input source of the information (self-provided information or the information provided by the business operator) to input the missing information. You may be prompted to enter information. For example, if the provider information provided by the information provider M1 is not sufficient to create an appropriate proposal risk management, the information provider M1 is not replaced by another information provider (eg, M2). ) May be prompted to provide the information, or a user (for example, U11) may be prompted to provide the information.
[0190]
For the EC site 18 (or for the risk manager), basically, it is not important where the information is provided from or what collection method is used, and it is important that the necessary information is available. Because it is important.
[0191]
(V2) Prior to the expiration (for example, 2 months) of the expiration of the insurance currently held by the user, a notice to the effect that the expiration will occur after a certain period is displayed on a personal Web page or / and by e-mail to the user. Expiration notice system to notify.
[0192]
This can reduce the risk of running out of insurance.
[0193]
However, since the communication via the personal Web page is a pull-type communication, the expiration date cannot be announced unless the user browses the personal Web page during the certain period.
[0194]
As an example, if push-type communication is used, it is possible to actively notify the user of the expiration date. Such push-type communication can be realized using various dedicated applications. Even if the user (for example, U11) does not perform any operation on the communication terminal (for example, 15) by the function of the dedicated application, for example, a warning window is opened via a Web browser, wallpaper, a screen saver, or the like. It is possible to open the window and display a message to announce the expiration date in the window.
[0195]
It is also convenient to use a mail (a type of push-type communication means) to notify the user of the expiration date. Since the mailer is a client software with a high penetration rate, expiration notice by e-mail is advantageous in terms of feasibility.
[0196]
(V3) In addition to the self-provided information and the proposed risk management input by the user (for example, U11) by using the user Web page (for example, PP1), various additional information (for accompanying information) ) To the user.
[0197]
This ancillary information can include any information that may be useful to the user.
[0198]
It is also desirable that the risk manager transmits a message or message to the user from the risk manager.
[0199]
(V4) A system in which the risk manager periodically or occasionally makes proposals on risk management to users.
[0200]
Also in the above embodiment, it is basically up to the risk manager (or expert advisor) to provide the proposed risk management regularly or as needed, and on the EC site 18 side, for example, by the user authentication unit 21 or the like, It is only necessary to ensure that, on a regular or occasional basis, the expert advisor does not access each personal web page (eg PP1) and describes a new proposed risk management.
[0201]
However, the EC site 18 may be more actively provided with a function for ensuring the regularity of the provision of the proposed risk management.
[0202]
For example, when it is almost time to provide the proposed risk management, it is also desirable that the EC site 18 notifies the specialized advisor of that fact. For this notification, the push-type communication such as an e-mail can be used.
[0203]
To ensure regularity, for example, allow the provision of a new proposed risk management for a certain period (permissible period) and not allow it for other periods (prohibited period), and strictly limit the permissible period and prohibited period. From the user's point of view, it is possible to identify, to some extent, the period when the new proposed risk management is likely to be described on his or her personal Web page. Since it is sufficient to access the personal Web page intensively, more efficient use is possible compared to a case where it is not known when a new proposed risk management is proposed.
[0204]
Also, from the point of view of the expert advisor, it is possible to determine the various business schedules required for creating the proposed risk management in accordance with the allowable period, and to view the proposed risk management created by the user to the user. There is an advantage that the probability of receiving is increased.
[0205]
(V5) When the details of the occurrence of the insurance accident and the payment of the insurance money by the user are entered and recorded in the computer of the insurance company or the agency, and when the result of the input and recording is transmitted from the computer, An accident-related reflection system for reflecting on user information displayed on the user Web page (for example, PP11), the professional advisory Web page (for example, PP12), or the agency Web page.
[0206]
As a result, the occurrence of an insurance accident with respect to a certain user can be notified to all risk managers who intend to propose the proposed risk management to the user. The occurrence of insurance accidents and the payment of insurance claims have a dramatic change in the environment surrounding users and can significantly change the overall picture, and are therefore important information in providing proposed risk management. .
[0207]
(V6) Maintenance for changes in non-insurance-related user information displayed on the personal Web page is performed by the user on a correction-only Web page (a page for correcting the user information input on the input screen). A modification control system that accesses and performs on the same page.
[0208]
Also in the above-described embodiment, the user can dynamically change (maintenance) the user information by allowing the user to change the description content of the user Web page (for example, PP11). If the page (for example, PP11) is a Web page dedicated to input and / or browsing, and the user can change the description once input only through the Web page dedicated to correction, the user authentication unit 21 and the like can be used. The EC site 18 can efficiently manage the contents of the user Web page and manage the user information by controlling and managing the access to the correction-specific Web page using the functions described above. Can be.
[0209]
(V7) Proposed risk management is described for the personal Web page (for example, PP1), and when a user (for example, U11) views the contents of the description, a predetermined character (person, animal, fictitious person) is viewed. Etc.) speaks to the user in characters and / or voice.
[0210]
By providing explanations through characters such as fun animals, a friendly Web page can be provided, and the contents of the proposed risk management can be conveyed in an easy-to-understand manner. For example, a specific content such as "explanation of risk held by the user" or "proposal / proposal of the best coping method for each risk" is described by the character by voice or character expression.
[0211]
Definition of an image showing the appearance of the character, definition of a sound emitted by the character, definition of a delicate expression of a message by a character emitted by the character, and description that the character executes using the image, sound, character expression, etc. Are managed on the EC site 18 side. Actually, the image of the character is displayed on the display unit of the user terminal (15 or the like) on the screen, or the sound is output from the speaker by a function such as a program linked to the user Web page.
[0212]
The image of the character may be two-dimensional, but is preferably a three-dimensional image.
[0213]
In addition, when the number of characters may be singular or plural, particularly when the number of characters per user is plural, it is possible to effectively provide explanations, suggestions and advices to the users through dialogue between the characters. it can.
[0214]
Furthermore, a plurality of selection candidate characters may be prepared so that the user can select a character to be used on the personal Web page. In that case, one user may be allowed to select a plurality of characters. The content of the selection once made by the user can be stored in the user management table TS as one piece of user management information by preparing a data item (column name) for that purpose, for example. Each time the user accesses the personal Web page, the same character can be made to respond to the user.
[0215]
In addition, in these modified examples (V1) to (V7), similarly to the above embodiment, a personal Web page (for example, PP1) for a certain user (for example, U11) is viewed by the user. The web page to be used may be the same as the web page browsed by a specialized advisor (for example, U21, etc.) who proposes the proposed risk management to the user, or may be different. Further, only some of the Web pages may be the same.
[0216]
In the above description, the present invention is mainly realized by hardware, but the present invention can also be realized by software.
[0219]
【The invention's effect】
As described above, according to the present invention, it is possible to provide an efficient communication system for both a management target user and a management proposal user.
[0218]
This makes it possible to easily realize, for example, total risk consulting, which was conventionally difficult to realize.
[Brief description of the drawings]
FIG. 1 is a schematic diagram illustrating an example of the overall configuration of an EC system according to an embodiment.
FIG. 2 is a schematic diagram showing an example of an internal configuration of an EC site used in the embodiment.
FIG. 3 is an operation explanatory diagram of the embodiment.
FIG. 4 is an operation explanatory diagram of the embodiment.
FIG. 5 is a schematic diagram illustrating a configuration example of a user management table used in the embodiment.
FIG. 6 is a schematic diagram showing a configuration example of a specialized advisor management table used in the embodiment.
FIG. 7 is an operation explanatory diagram of the embodiment.
[Explanation of symbols]
10 EC system, 11 Web server, 12 Database server, 13, 14 Proposal terminal, 15, 16 User terminal, 17 Network, 20 Communication unit, 21 User authentication unit, 22 Information collection unit , 23 ... Page generation unit, 24 ... Page reading unit, 25 ... Information aggregation unit, 26 ... Payment processing unit, 27 ... Database, PP1, PP2 ... Personal Web page, PA1, PA2 ... Advisor top page, TA ... Specialty Advisor management table, TS: user management table.

Claims (27)

In a communication system including a message exchange server for exchanging messages between a plurality of users,
The message exchange server,
Unit browsing information including a description of the risk management plan and / or risk management basic information on which the risk management plan is based, for the user to be managed who receives the risk management plan related to the occurrence of damages among the users. Unit browsing information management means for generating and managing
Risk management basic information related to the management target user, collecting and identifying, by supplying to the unit browsing information management means, unit browsing information generation support means to support the generation of the unit browsing information,
Among the users, for a management proposal user who proposes the risk management plan by describing the risk management plan in the unit browsing information for the management target user, an access right managing unit that manages an access right to the unit browsing information,
A communication system comprising: an access control unit that dynamically changes an access right of each management proposal user to unit browsing information for the management target user in response to an instruction from the management target user. The communication system according to claim 1,
The unit browsing information management means,
When the management target user provides the risk management basic information via the unit browsing information for information provision, unit browsing information including at least the description of the risk management plan is automatically generated and automatically generated. A communication system for transmitting an access identifier for accessing the unit browsing information to the management target user via the information providing unit browsing information. The communication system according to claim 1,
The unit browsing information management means,
Without directly providing from the management target user, if the risk management basic information is collected and the risk management proposal is received from the management proposal user who browsed the risk management basic information, The unit browsing information describing the risk management plan is automatically generated, and an access identifier for accessing the automatically generated unit browsing information is specified using the push-type communication means, by the management target user or A communication system, wherein the communication is transmitted to a management proposal user. The communication system according to claim 1,
The unit browse information generation support means,
When collecting each element information which is a constituent element of the risk management basic information, different element identifiers assigned by one or more operators are interpreted and processed in a predetermined procedure to each element information, and elements relating to the same management target user are collected. A communication system for identifying and aggregating information. The communication system according to claim 4,
The unit browse information generation support means,
A communication system, wherein the risk management basic information includes risk management basic information regarding a close relative in a predetermined range of the management target user, and also identifies and aggregates risk management information regarding individual close relatives. The communication system according to claim 4,
The unit browse information generation support means,
A communication system, wherein the type of the element information is also identified in the process of interpreting the element identifier. The communication system according to claim 4,
The unit browse information generation support means,
A communication system, wherein the interpretation process is simplified by previously determining the expression rule of an element identifier to be assigned to a collection destination that provides the risk management basic information. The communication system according to claim 4,
The unit browse information generation support means,
The element information is analyzed for each of the causes of the damage, and the analysis result is supplied to the unit browsing information management means as the risk management basic information,
The unit browsing information management means generates unit browsing information according to the analysis result,
The communication system, wherein the management proposal user browses the unit browsing information to determine and describe the risk management plan. The communication system according to claim 1,
The unit browsing information management means prepares a plurality of unit browsing information for a single management target user, a part of which is the target user unit browsing information for allowing the management target user to browse, and the rest is the management proposal user. The unit browsing information for the proposed user is set as the unit browsing information for the proposed user, and the unit browsing information for the proposed user includes the risk management basic information about the management target user collected and identified by the unit browsing information generation support means. Communication system characterized by the following. The communication system according to claim 9,
The unit browsing information management means,
Of the element information constituting the risk management basic information, the element information for which the management target user has refused to provide the message exchange server is not described in the target user unit browsing, but the proposed user unit. A communication system which is described in browsing information. The communication system according to claim 10,
The unit browsing information management means,
A communication system, wherein a risk management plan proposed by a management proposal user based on the description of the proposed user unit browsing information is described in the target user unit browsing information. The communication system according to claim 1,
The unit browse information generation support means,
Of the risk management basic information, provided by a predetermined business operator, for the individual unit risk management basic information pre-arranged on an individual basis, temporarily provision the first identification information,
Next, perform name identification processing based on the content of the individual risk management basic information,
The first identification information is corrected to the second identification information according to a result of the name identification processing,
A communication system wherein the individual unit risk management basic information is aggregated using the second identification information. The communication system according to claim 1,
The unit browse information generation support means,
It is determined whether the collection destination that provides the risk management basic information or the risk management basic information provided by the managed user himself is sufficient to create the risk management plan, and that the risk management basic information is not sufficient. A communication system characterized by prompting the management target user to further provide basic risk management information when a determination result is obtained. The communication system according to claim 1,
The unit browse information generation support means,
Of the risk management basic information, for those for which an expiration date exists in the insurance contract, the maturity schedule is managed, and before a predetermined period of the maturity, an expiration notice message is transmitted to notify the maturity notice, and the expiration notice message is transmitted. A communication system characterized by reducing a risk. The communication system according to claim 1,
The unit browsing information management means,
A communication system characterized in that predetermined additional information other than the risk management plan or the risk management basic information is described in the unit browsing information, and the management target user browses the unit. The communication system of claim 15,
The accompanying information includes
A communication system including a message for contact from the management proposal user to the management target user or a message useful for the management target user. The communication system according to claim 1,
The access control means,
A communication system wherein a management proposal user is allowed to access a plurality of times for unit browsing information for the management target user unless the management target user instructs access prohibition. The communication system of claim 17,
The access control means,
Unless the management target user instructs to prohibit access, according to a predetermined cycle, a permission period for permitting access of the management proposal user to the unit browsing information for the management target user and a non-permission period for not permitting are periodically set. A communication system characterized by repeating the above. The communication system according to claim 1,
The message exchange server,
A target user management unit storing attribute information on a plurality of management target users,
Permitting the management proposal user to provide the same content of a risk management plan collectively for unit browsing information for a plurality of management target users based on a result of searching for the target user management means. A communication system comprising: The communication system according to claim 1,
The message exchange server,
The management target user further includes a contract-related processing unit for starting or completing an insurance contract or cancellation on the unit browsing information according to the risk management plan described in the unit browsing information of the user. Communication system. The communication system of claim 20,
Not only when the management target user starts or completes the insurance contract or cancellation on the unit browsing information, but also when the insurance contract or cancellation is completed on an external server existing outside the message exchange server, the contract is not changed. Alternatively, a communication system wherein the completion of cancellation is reflected in risk management basic information on the unit browsing information. The communication system according to claim 21,
A communication characterized by accommodating an insurance contract or cancellation completion operation performed on the external server and a risk management basic information change operation performed on the unit browsing information side in one transaction process. system. The communication system according to claim 1,
The message exchange server,
A target user management unit storing attribute information on a plurality of management target users,
In accordance with the occurrence of an insurance accident or the payment of insurance money for the management target user, the value of the attribute information for the management target user in the target user management means is changed, and the change is reflected in the description of the unit browsing information. A communication system, comprising: The communication system according to claim 1,
The unit browsing information management means,
Of the risk management basic information, the description of user information other than insurance-related changes, to generate description change unit browsing information for the managed user himself,
A communication system, wherein the management target user is allowed to change the description of the user information only through the description change unit browsing information. The communication system according to claim 1,
The unit browsing information management means,
Generate a predetermined character program associated with the unit browsing information,
When the management target user views the unit browsing information, the character program provides a description about the proposed risk management described in the unit browsing information via a character provided to the management target user. Communications system. The communication system according to claim 1,
The message exchange server,
A communication system, wherein an operating company that operates the message exchange server includes a settlement unit for automatically receiving a service usage fee from the management target user and / or the risk management proposal user. 27. The communication system of claims 1-26,
A communication system using a Web page as the unit browsing information.

Images