JP2007041787A - Purchase history information collecting system, personal information medium and sales information collecting device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a subscriber to grasp purchase circumstances for merchandise as one element of the calculation of an insurance premium. <P>SOLUTION: An IC card 1 is provided with a control part 2, a memory 3 and an information exchange part 4. The memory 3 is stored with an insurance subscriber information. A convenience store 5 (automatic vending machine 9) is provided with a processor 6 (10) for providing sales information. When purchasing cigarette, the sales information is received from the processor 6, and stored in the memory 3 as cigarette purchase history information. The cigarette purchase history information and insurance subscriber information of the IC card 1 is transmitted through a PC14 to insurance company terminal equipment 16 as information to be used for the update of insurance, and used as the detail data of calculation of a discount rate based on the amount of smoking. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a purchase history information collection system, a personal information medium, and a sales information collection apparatus that can acquire purchase information of products related to the calculation of insurance premiums of insurance subscribers.

In cancer insurance, etc., there is generally a service in which insurance premiums are discounted in consideration of the health status of subscribers. One example of “health state” is “non-smoker discount”. This is an advantage that the discount rate is increased due to the low probability that the subscriber does not smoke, for example, lung cancer.
By the way, in order to receive such a non-smoker discount, it is necessary to show that the subscriber is a non-smoker, but this is due to, for example, self-reporting by the subscriber and a medical examination by a doctor at the time of subscription. It is common.

However, the distinction between a non-smoker and a smoker is a smoker if even one cigarette is smoked, and the degree of smoking is not questioned. Also, even if you quit smoking, you are not considering this. This is due to the fact that it is difficult for the insurance company to keep track of the smoking status and amount of smoking for each subscriber.
For example, Patent Document 1 discloses a cigarette that is allowed to be sold after proving that the purchaser is not a minor at the time of purchase.
JP 2003-6720 A

However, what is shown in the above-mentioned Patent Document 1 is simply provided with a function of determining whether or not the purchaser can be sold at the time of purchasing the cigarette, and recognizes the smoking state of the smoker. Therefore, in the insurance company, when determining whether or not a non-smoker discount is still possible, it is necessary to use a self-report as usual, a prescribed examination, or a diagnosis by a doctor. It was a situation that had to be relied upon.
And this is because the insurance premium cannot be set in detail depending on the level of smoking status, so it will be imposed uniformly on the smoker regardless of the level of smoking status. It may end up.

  The present invention has been made in consideration of the above circumstances, and its purpose is to provide an element for calculating insurance premiums so that subscribers can receive detailed services provided by insurance companies. To provide a purchase history information collection system, a personal information medium, and a sales information collection device that enable a subscriber to grasp the purchase status of a product to be used and thereby determine a change in the health status of the subscriber. There is.

  According to the invention of claim 1, when a product that is a component of insurance premium calculation by an insurance company is purchased from a dealer or a sales organization such as a vending machine, the insurance subscriber of the insurance company receives personal information. By using the medium, the information acquisition means communicates with the information exchange means on the sales organization side and receives, for example, the purchase date, the brand of the product, the number of purchases, etc. as the purchase information of the product, and the purchase history information It memorize | stores in a memory | storage means. Such purchase history information is stored every time the above-mentioned product is purchased. By providing such purchase history information as an element of insurance premium calculation, insurance companies can recognize the intake of cigarettes, for example. Since a record can be automatically left every time, accurate information can be provided to an insurance company without troublesome procedures.

  According to the invention of claim 2, in the above invention, in the insurance company, the calculating means obtains the purchase information and the subscriber's personal information from the purchase history information storage means to obtain the insurance premium of the subscriber. Since the insurance company can calculate the insurance premium, it will be able to provide services in a precise manner, and the subscriber will be able to provide reliable services with the necessary and sufficient insurance premiums. You will be able to receive it.

  According to the invention of claim 3, in each of the above inventions, since a wireless tag is used as a personal information medium, information can be exchanged reliably without contact, and a subscriber possesses it as a compact medium. be able to.

  According to the invention of claim 4, when an insurance company insurance member purchases the product with the vending machine that sells the product that is a component of the insurance premium calculation by the insurance company, the insurance participation When the personal information is provided to the vending machine using the personal information medium owned by the person, the vending machine receives the information by the receiving means, and receives the merchandise sales information such as the sales date and the product information. Stored together with personal information in the sales information storage means. Since the product sales information and personal information stored in the sales information storage means can be provided to the insurance company by the providing means, in the insurance company, from the sales history information and the personal information of the insurance subscriber. Insurance premiums can be calculated. As a result, the insurance company can provide services in a manner that precisely calculates the insurance premiums, and subscribers can also receive reliable services with necessary and sufficient insurance premiums. It becomes like this.

(First embodiment)
Hereinafter, the first embodiment in the case where the discount rate of the premium is changed according to the amount of tobacco smoke when the insurance company calculates the premium will be described with reference to FIGS. To do. In this embodiment, cigarettes are targeted as commodities that are an element of insurance premium calculation by an insurance company.

  FIG. 1 schematically shows the overall configuration of this system. An IC card 1 as a personal information medium is possessed by an insurance subscriber, and stores a control unit 2 for managing information and information. The memory 3 as a purchase history information storage means, and an information exchanging section 4 that also serves as an information acquisition means and an information provision means. This IC card 1 is distributed in a state where subscriber information is written in the memory 3 in advance from an insurance company.

  The IC card 1 uses a wireless tag called an RFID tag, and the information exchange unit 4 includes a coil that can exchange magnetic signals. In addition, it is configured such that power can be supplied from the outside in a non-contact state and communication can be performed using the power. The memory 3 is a non-volatile memory element that does not require backup by a power source. The control unit 2 is for performing communication control of the information exchanging unit 4 and control of reading and writing of information with respect to the memory 3, and is mainly composed of a one-chip microcomputer.

For example, a convenience store 5 that is one of the sales organizations is provided with a processing device 6 that provides sales information regarding at least the sale of tobacco. The processing device 6 may be provided as a function of a POS terminal, for example. The processing device 6 is provided with a control unit 7 for processing tobacco sales information and an information exchanging unit 8 for transmitting the sales information. In this case, the information exchanging unit 8 is provided with, for example, a configuration in which a slot for insertion of the communication IC card 1 is provided, or a configuration in which communication is possible in a non-contact state by being arranged in proximity.
The control unit 7 creates sales information based on data input when a salesclerk performs a settlement process when selling cigarettes. The information exchange unit 8 as information exchange means is configured to be able to transmit the sales information created by the control unit 7 via the information exchange unit 4 of the IC card 1 described above.

  Similarly, there is a cigarette vending machine 9 as one of the sales organizations. In the vending machine 9, similarly to the convenience store 5, a processing device 10 is provided for providing sales information regarding the sold products. The processing device 10 is provided with a control unit 11 and an information exchange unit 12 as information exchange means, as described above.

  On the other hand, as a configuration used when the purchase history information stored in the IC card 1 is provided to an insurance company, for example, information for the insurance subscriber to read information from the PC (personal computer) 14 provided in the home 13 and the IC card 1 is used. A reading unit 15 is provided. PC14 is comprised so that information can be transmitted to the insurance company terminal device 17 via the internet 16 as a communication network.

Next, the operation of the above configuration will be described with reference to FIGS.
FIG. 2 is a sequence diagram showing exchanges between the IC card 1, the processing devices 6, 10, and the insurance company terminal device 17. FIGS. 3 (a) and 3 (b) are stored in the memory 3 of the IC card 1. It shows the contents of the information.
First, the subscriber who owns the IC card 1 is provided with the IC card 1 from the insurance company to which it has been subscribed. In this case, the information of the subscriber at the time of insurance subscription is written and stored in the memory 3 in advance. It is in a state. This subscriber information is information as shown in FIG. That is, data such as a subscriber's name, date of birth, and subscriber insurance number. In addition, although illustrated as typical subscriber information here, data peculiar to each insurance and other necessary items may be stored as subscriber information.

  This process is performed, for example, by the terminal device 17 in the insurance company (A1), and the control unit 2 of the IC card 1 performs the process of writing the information received via the information exchange unit 4 in the memory 3 (A2). . Such insurance subscriber information is stored as personal information, and protective measures are taken so that it cannot be easily read from the outside.

  Next, explanation will be given for a case where an insurance subscriber purchases tobacco. An explanation will be given of a case where an insurance subscriber brings an IC card 1 and purchases cigarettes at a convenience store 5 or a vending machine 9 as a sales organization. In this case, when the cigarette (product) to be purchased is paid, the convenience store 5 performs a settlement process at a cash register or a POS terminal and provides the sales information to the processing device 6, and the vending machine 9 provides the sales control device. Sales information about the cigarettes (commodities) sold by is provided to the processing apparatus 10.

  In the processing devices 6, 10, for example, sales date, brand, number, number, etc. are generated as sales information and transmitted through the information exchange unit 4 of the IC card 1 (A3). In the IC card 1, the control unit 2 creates the sales information received by the information exchange unit 4 as purchase information that the insurance subscriber purchased the cigarette and stores it in the memory 3 (A4, A5). Such purchase information is created in the same manner even when purchased at another convenience store or vending machine, and additionally stored as purchase information in the memory 3 (A6 to A8).

  Since the purchase information is stored every time the cigarette is purchased as described above, the cigarette purchase history information is accumulated in the memory 3 as shown in FIG. For tobacco purchased by insurance subscribers in this way, on the assumption that the purchased insurance subscribers themselves consume by smoking, the insurance company calculates the information obtained from this tobacco purchase history information as the amount of smoking. And

Next, the insurance subscriber performs a process of transferring the cigarette purchase history information stored in the IC card 1 to the insurance company when it is time to renew or designate a designated insurance. Here, an example in which transfer processing is performed by the PC 14 provided in the home 13 will be described.
First, the IC card 1 is attached to the information reading unit 15 connected to the PC 14 or placed in a readable state and connected to the network (A9). When there is a network connection acceptance response from the insurance company terminal device 17 via the Internet 16 (A10), the control unit 2 of the IC card 1 reads the insurance subscriber information and the tobacco purchase history information stored in the memory 3. (A11, A12). Upon receiving these pieces of information (A13), the insurance company terminal device 16 temporarily accumulates them in the database, and executes risk level calculation processing necessary for insurance premium update based on the received tobacco purchase history information (A14).

  As a result, the insurance premium can be calculated so as to reflect the situation corresponding to the actual amount of smoking based on the tobacco purchase history information provided by the insurance subscriber. This risk level calculation process is performed by an insurance company based on various calculation formulas and data. As an example, the risk level calculation process is based on the principle shown in FIG.

  The determination of the risk level in the insurance company terminal device 17 is performed as a determination data by performing determination processing on three items of (1) risk by age, (2) risk by brand, and (3) risk by cigarette suction amount, Judgment is made from these results. Among the above items, (1) age-specific risks are set, for example, in n stages from A1 to An, and the current age is calculated from the data of the insurance subscriber's date of birth. The relationship with the data of the allocated determination level is read from a previously created table and determined. Alternatively, the determination is performed based on the calculation formula.

  The risk level for each brand in (2) is set, for example, in m stages from B1 to Bm, and is determined from data on brands of cigarettes. The determination by brand is to incorporate differences due to differences in content such as nicotine and tar into the determination, and the determination is made by reading from a table created by assigning a determination level for each brand in advance. However, since this brand does not necessarily smoke only one type of cigarette, if a different brand is purchased, a final decision is made after performing weighting processing according to the number of purchases. do.

  (3) The cigarette suction amount-specific risk is set to k stages from C1 to Ck, and the suction amount, that is, the smoking amount is determined by the number of cigarettes purchased. In this case, the determination level corresponding to the number is created in the table in advance, and the corresponding level is determined. Even in this case, if it is assumed that smoking is performed by mixing different brands, a final determination is made by performing a process of converting to a standard number by performing some weighting.

  When the judgment levels for the respective risk levels are obtained, these are summed to determine the risk level. In this case, a high risk level means that the premium rate is high, in other words, a high risk level means that the discount rate is low.

In this way, every time a renewal is made, information equivalent to the amount of smoking in the previous period is obtained and the insurance premium is calculated. As a whole, tobacco smoking, which is one element that determines the health status of the policyholder, is performed. It becomes possible to judge and calculate the state in detail according to the quantity. For insurance companies, services can be improved by reducing insurance premiums for subscribers with low smoking volume. For subscribers, the IC card 1 is used to automatically report accurate smoking volume. It can be done easily and quickly.
Further, since it is only necessary to carry a compact personal information medium using a wireless tag (RFID tag) like the IC card 1, it is possible to collect information without a heavy burden on the insurance subscriber. become.

(Second Embodiment)
FIGS. 5 to 7 show a second embodiment of the present invention, and different points from the first embodiment will be described below. In this embodiment, the purchase history information of cigarettes is not stored in the IC card possessed by the insurance subscriber side, but is provided to the insurance company as sales information on the sold device side.

  In FIG. 5 showing a schematic configuration, an IC card 18 as a personal information medium includes a control unit 19, a memory 20, and an information exchange unit 21. In the IC card 18, the memory 20 stores the same insurance subscriber information as described above, as shown in FIG. The control unit 19 has a function of reading out the insurance subscriber information stored in the memory 20 and transmitting it by the information exchange unit 21.

  The cigarette vending machine 22 includes a processing device 23 as a sales information collecting device as a configuration for accumulating and storing sales history information in addition to the cigarette sales function. The processing device 23 includes a control unit 24 for processing cigarette sales information, a memory 25 as sales information storage means for storing sales information, and receiving means for receiving purchaser information at the time of sale. The information exchange unit 26 is provided. Moreover, the communication part 27 for transmitting the sales information memorize | stored in the memory 25 to the exterior is provided.

In this case, the information exchanging unit 26 is configured to be able to receive information by inserting or bringing the IC card 18 in close proximity when selling cigarettes. The communication unit 27 as providing means is provided so as to be accessible to the insurance company terminal device 17 via the Internet 16 as the communication network.
Actually, there are many vending machines such as cigarette vending machines 28 and 29 provided with the processing device 23 similar to the vending machine 22 as described above, and the vending machine where the insurance subscriber is located. Even in the case of purchasing tobacco, sales information about the insurance subscriber is finally accumulated in the insurance company terminal device 17.

Next, the operation of the above configuration will be described with reference to FIGS.
6 is a sequence diagram showing exchanges between the IC card 18, the processing device 22, and the insurance company terminal device 17. FIG. 7A shows the contents of information stored in the memory 20 of the IC card 1. FIG. (B) shows the contents of the information stored in the memory 25 of the processing device 23.

  First, the subscriber who owns the IC card 18 is provided with the IC card 18 with the insurance subscriber information stored in the memory 20 as shown in FIG. ing. As shown in FIG. 7A, the subscriber information is data such as a subscriber name, date of birth, and subscriber insurance number.

  This process is performed, for example, by the terminal device 17 in the insurance company (B1), and the control unit 19 of the IC card 1 performs the process of writing the information received via the information exchange unit 21 in the memory 20 (B2). . Such insurance subscriber information is stored as personal information, and protective measures are taken so that it cannot be easily read from the outside.

  Next, explanation will be given for a case where an insurance subscriber purchases tobacco. An explanation will be given of a case where an insurance subscriber brings an IC card 18 and purchases tobacco from the vending machine 22. In this case, when the IC card 18 is placed or installed in a state where it can be received by the information exchanging unit 26 by the insurance subscriber, it becomes possible to sell. When the price of the cigarette (product) to be purchased is entered, the product is discharged and sales information is created.

  At this time, the IC card 18 reads out the insurance subscriber information stored in the memory 20 and transmits it from the information exchange unit 21 via the information exchange unit 26 of the processing device (B3). When receiving the insurance subscriber information, the processing device 23 stores it in the memory 25 as sales history information together with the sales information (B4, B5). The processing device 23 receives subscriber information and stores sales history information in the same manner even when other insurance subscribers purchase cigarettes (commodities) (B6 to B8).

In this way, sales information when cigarettes are sold to various purchasers, that is, insurance subscribers, is accumulated and stored, for example, data as shown in FIG. 7B is created.
Next, the processing device 23 of the vending machine 22 (28, 29) performs processing for transferring the tobacco sales history information stored in the memory 25 to the insurance company. The control unit 24 of the processing device 23 performs processing for connecting to the network via the communication unit 27 (B9). When there is a network connection acceptance response from the insurance company terminal device 17 via the Internet 16 (B10), the tobacco sales history information stored in the memory 25 is read and transmitted (B11). Upon receiving these information (B12), the insurance company terminal device 16 temporarily stores the information in the database and creates purchase history information for each insurance subscriber based on the received tobacco sales history information, and is necessary for updating the insurance premium. A risk level calculation process is executed (B13).

  As a result, the insurance premium can be calculated so as to reflect the situation corresponding to the actual amount of smoking based on the tobacco purchase history information provided by the insurance subscriber. This risk calculation process is performed based on various calculation formulas and data by the same process as in the first embodiment or by an insurance company.

  According to the second embodiment, similarly to the first embodiment, the smoking amount of cigarettes, which is one element for determining the health status of the insurance subscriber, can be determined and calculated in detail. It will be possible to set reasonable insurance premiums for both insurance companies and subscribers. In addition, since the provision of information by the subscriber does not require any troublesome processing, it can be automatically and quickly performed using the IC card 18.

(Other embodiments)
The present invention is not limited to the above embodiment, and can be modified or expanded as follows.
In the first embodiment, the cigarette purchase history information is transmitted from the PC 14 side owned by the insurance subscriber. However, instead of or in addition to this, an information reading unit is connected to the insurance company terminal device 17. In this configuration, when an insurance subscriber goes to an insurance company, the data may be directly transferred via the information reading unit.

Although the configuration is shown in which the IC card 1 or 18 is used, other than this, a mobile phone, a mobile information terminal, or the like may be used as a personal information medium.
Although an example in which purchase history information and sales information is exchanged wirelessly or electrically is shown, other than this, for example, a form in which information can be optically read, for example, optical reading such as a QR code and a barcode Information may be processed and provided, and information may be exchanged by reading the information.
In the above-described embodiment, the case of cigarettes has been described. However, in addition to this, the purchase of alcoholic beverages may be dealt with, or any other product in which an insurance company is involved in the calculation of insurance premiums.

1 is a system configuration diagram showing a first embodiment of the present invention. Sequence diagram showing the flow of processing Diagram showing data contents Diagram showing details of risk calculation process FIG. 1 equivalent diagram showing a second embodiment of the present invention 2 equivalent diagram 3 equivalent figure

Explanation of symbols

  In the drawing, 1 and 18 are IC cards (personal information media), 3 is a memory (purchase history information storage means), 4 is an information exchange section (information acquisition means, information providing means), 5 is a convenience store (sales organization), 6 10 is a processing device, 8 and 12 are information exchange units (information exchange means), 9 is a vending machine (sales organization), 14 is a PC, 15 is an information reading unit, 17 is an insurance company terminal device, 20 is a memory, 21 is an information exchange unit, 22, 28 and 29 are vending machines, 23 is a processing device (sales information collection device), 25 is a memory (sales information storage means), 26 is an information exchange unit (reception means), and 27 is a communication device. Part (providing means).

Claims (4)

Information exchange means provided at a sales institution that sells products that are an element of insurance premium calculation by an insurance company, and that provides sales information of the products via communication;
A purchase history information collection system comprising a personal information medium used when a subscriber of the insurance of the insurance company purchases the product at the sales institution,
The personal information medium communicates with the information exchanging means to acquire information on the sale of the article, and stores the sale information on the article acquired by the information acquisition means together with purchase date information as purchase information. Purchase history information storage means, and information providing means capable of providing the insurance company with the purchase information stored in the purchase history information storage means together with the subscriber's personal information. Purchasing history information collection system. In the purchase history information collection system according to claim 1,
Purchasing history information collection provided in the insurance company, comprising calculating means for obtaining the purchase information and the subscriber's personal information from the purchase history information storage means and calculating the insurance premium of the subscriber system. A personal information medium used in the purchase history information collection system according to claim 1 or 2,
The personal information medium according to claim 1, wherein the information acquisition means comprises a wireless tag that performs wireless communication with the information exchange means of the sales organization. A sales information collecting device that is installed in a vending machine that sells products that are an element of insurance premium calculation by an insurance company and collects sales information of the products,
Receiving means for receiving personal information from a personal information medium owned by an insurance subscriber of the insurance company when selling the product;
Sales information storage means for storing product sales information such as information related to the product and sales date together with the personal information received by the receiving means when the product is sold;
A sales information collecting apparatus comprising: provision means for providing the product sales information and the personal information stored in the sales information storage means to the insurance company.

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