JP2014132402A - Medical insurance introduction system, server device, terminal device, and medical insurance introduction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a medical insurance introduction system capable of introducing an appropriate medical insurance commodity, a server device, a terminal device, and a medical insurance introduction method.SOLUTION: A medical insurance introduction system 1 comprises a terminal device 10 and a server device 20. The terminal device 10 comprises: a near-infrared module, module control means, and calorie calculation means for measuring calories of food; vital data acquisition means for acquiring vital data; and a terminal communication unit. The server device 20 comprises: a server communication unit 21; a server storage unit 22 for storing risk prediction data and insurance introduction data; risk determination means 231 for determining a sickness risk on the basis of calorie intake and vital data; insurance selection means 232 for selecting a medical insurance commodity which is recommended for the determined sickness risk; and insurance introduction means 234 for transmitting introduction data for introducing the medical insurance commodity to the terminal device 10.

Description

  The present invention relates to a medical insurance introduction system, a server device, a terminal device, and a medical insurance introduction method.

Conventionally, there is a service that promotes user health management based on the calorie intake by the user (see, for example, Patent Document 1).
In the system described in Patent Document 1, the main server of the health care facility is the yesterday's calorie intake, calorie consumption, and user vital data (blood pressure, blood sugar level, body fat percentage, etc.) transmitted from the mobile terminal of the user. Etc., and information for today (calories to be consumed, calories to be consumed, etc.) is transmitted to the portable terminal. Based on this information, the user selects a food, inputs the amount of energy for each nutrient contained in the selected food into the mobile terminal, and further inputs the calories consumed by the exercise into the mobile terminal. Then, the mobile terminal transmits the input information to the main server. Here, in the input of calorie intake, the user multiplies the calorie set for each food material by the correction value for the food intake, and inputs the calorie intake.
Further, in Patent Document 1, the health management facility provides advice and counseling for health consultation to the user based on the accumulated data, and an insurance special contract including self-management status data for the medical insurance organization. It is disclosed that the user is provided with an insurance policy.

JP 2002-222263 A

By the way, in the system of the above-mentioned patent document 1, a numerical value obtained by multiplying a preset calorie by a correction value for each food is input as calorie intake. For this reason, the input calorie is an approximate value and is not an accurate calorie intake. In addition, it is necessary to select ingredients based on the information sent from the main server, and if there are no such ingredients and they are replaced with other ingredients, the calories will be different, and the actual calorie intake and the value of the input calories Is different.
In particular, in the case of providing medical insurance products, it is necessary to set based on the current state of the user and an accurate disease risk in the future. For this reason, there is a problem that it is inappropriate to provide medical insurance products based on the inaccurate calorie intake as described above.

  An object of the present invention is to provide a medical insurance introduction system, a server device, a terminal device, and a medical insurance introduction method that can introduce appropriate medical insurance products.

  The medical insurance introduction system of the present invention is a medical insurance introduction system comprising a terminal device and a server device capable of communicating with the terminal device, wherein the terminal device includes terminal communication means capable of communicating with the server device; , Calorie measuring means for measuring the calorie of the food, and vital data acquisition means for acquiring the vital data of the user, wherein the server device is server communication means capable of communicating with the terminal device, calorie intake and vital data Storage means for storing a disease risk for the patient and a medical insurance product for the disease risk, and a risk determination unit for determining the disease risk based on the calorie and the vital data ingested by the user transmitted from the terminal device; Insurance selection means for selecting a medical insurance product for the determined disease risk; Characterized in that it comprises a and insurance introduction means for introducing the medical insurance products.

In the present invention, the calorie of the food is measured at the terminal device and transmitted to the server device together with the vital data of the user. Then, the server device determines a disease risk for the transmitted calorie and vital data, selects a medical insurance product for the disease risk, and returns introduction data that introduces the selected medical insurance product to the terminal device.
In such this invention, the exact calorie with respect to a foodstuff is computable compared with the case where the calorie preset according to a foodstuff or a foodstuff is made into an intake calorie. Therefore, the server device can appropriately determine the disease risk of the user based on the accurate calorie consumed by the user, and can introduce the optimal medical insurance product suitable for the user.
Further, by linking the calorie intake and the introduction of medical insurance products, the user can increase the willingness to self-health management and obtain a health promotion effect.

  In the medical insurance introduction system of the present invention, the server device stores the received calorie and the vital data, a data storage unit that stores the contracted medical insurance product and the contracted medical insurance product that the user has contracted. Contracted insurance storage means for storing insurance premiums, wherein the risk determination means determines increase / decrease in the disease risk based on the accumulated calories and vital data, and the server device determines the determination It is preferable to provide a charge changing means for changing the insurance premium of the contracted medical insurance product according to the increase or decrease of the disease risk.

In the present invention, calorie intake (calorie intake) and vital data taken by the user are accumulated, and it is determined whether the disease risk has been reduced or increased based on the accumulated calorie intake and vital data. The fee increasing / decreasing means changes the insurance premium of the contracted medical insurance product according to the increase / decrease of the disease risk.
By providing such a service, the user can reduce the insurance premium for the medical insurance product by reducing the disease risk compared to when the medical insurance product was contracted. Can increase their willingness. Also, if the disease risk increases, the number of contracted medical insurance products may be increased. In this case, the user can maintain and improve his / her health so that the insurance premium is not increased, so that the user's willingness to manage health can be further increased.

  In the medical insurance introduction system of the present invention, the server device includes a contracted medical storage product for storing a contracted medical insurance product contracted by the user and an insurance premium of the contracted medical insurance product, and the contracted medical insurance. A charge comparison means for comparing the insurance premium of the insurance product with the insurance premium of the medical insurance product selected by the insurance selection means, wherein the insurance introduction means is the medical insurance product selected by the insurance selection means It is preferable to introduce the medical insurance product when the insurance premium is lower than the insurance premium of the contracted medical insurance product.

In the present invention, the charges of the medical insurance product selected by the insurance selecting means and the contracted medical insurance products already contracted by the user are compared, and the insurance premium of the medical insurance product selected by the insurance selecting means is low. In some cases, introduce the medical insurance product.
As a result, it is possible to introduce a medical insurance product that is optimal for the user with a low insurance premium and corresponding to the future disease risk of the user. That is, the user can obtain information on medical insurance products that have a light economic burden and are optimally economically supported for future disease risks.

  In the medical insurance introduction system according to the present invention, the calorie measuring means receives a spectral element that splits light having a predetermined wavelength from the light reflected by the food, and receives the spectral light from the spectral element to capture a spectral image. It is preferable to include an imaging unit and a calorie calculation unit that performs component analysis of the food based on the spectral image and calculates the calories.

In the present invention, the calorie measuring means captures a spectral image separated by the spectroscopic element by the imaging unit, analyzes the components of the food based on the captured spectral image, and calculates calories. In the present invention, the calorie measuring unit does not need to be integrated with the terminal device. For example, the calorie measuring device including the spectroscopic element, the imaging unit, and the calorie calculating unit is connected to the terminal device, and the calorie is measured. The calorie calculated from the measuring device may be input to the terminal device. In addition, a spectroscopic measurement device including a spectroscopic element and an imaging unit is connected to the terminal device, and the calorie calculation unit of the terminal device calculates calories based on the spectroscopic image output from the spectroscopic measurement device to the terminal device. It is good also as a structure.
In general, as a calorie measuring means, when using a device that comes in contact with food and analyzes the components of the contacted portion, it is unsanitary because the contact is brought into contact with the food, and the total calorie of the whole food is measured. It is unsuitable for doing. On the other hand, in the present invention, the calories of the entire imaged food can be accurately calculated based on the spectroscopic image, and since it is non-contact with the cooked product, it is excellent in terms of hygiene.

In the medical insurance introduction system of the present invention, it is preferable that the spectroscopic element is a variable wavelength Fabry-Perot etalon element.
The wavelength-tunable Fabry-Perot etalon can easily change the spectral wavelength by arranging a pair of reflective films facing each other and changing the gap dimension between these reflective films. Therefore, by using the Fabry-Perot etalon for such wavelength variability, the calorie measuring means can be reduced in size and thickness, and a portable device can be configured.
Thereby, even if a user eats out, for example, the calorie of the food can be easily calculated by a small portable calorie measuring means.

The server device of the present invention is a server communication means capable of communicating with a terminal device, a disease risk for ingested calories and vital data, a storage means for storing medical insurance products for the disease risk, and the terminal device transmitted from the terminal device Based on the calorie ingested by the user and the vital data, risk determination means for determining the disease risk, insurance selection means for selecting a medical insurance product for the determined disease risk, and insurance for introducing the medical insurance product And introducing means.
In the present invention, the server device determines the disease risk for the calorie and vital data ingested by the user transmitted from the terminal device, selects a medical insurance product for the disease risk, and introduces the selected medical insurance product Return the introduction data to the terminal device.
In the present invention, since the user's disease risk can be appropriately determined based on the user's calorie intake transmitted from the terminal device, for example, the disease risk based on the calorie data set in advance for a food sample. Compared with the case of determining the above, it is possible to determine the disease risk with higher accuracy based on the accurate calorie intake. Therefore, it is possible to introduce an optimal medical insurance product suitable for the user based on such a disease risk.

The terminal device of the present invention comprises terminal communication means capable of communicating with a server device, calorie measurement means for measuring calories of food, and vital data acquisition means for acquiring user vital data, wherein the terminal communication means The calorie consumed by the user and the vital data are transmitted to the server device, and the server device introduces the medical insurance product corresponding to the disease risk determined based on the calorie consumed by the user and the vital data. It is characterized by receiving introduction data.
In this invention, a terminal device measures the exact calorie of the food which a user ingests, and transmits the intake calorie and vital data to a server apparatus. In this case, the server device can determine the disease risk with high accuracy based on the calorie intake and vital data of the user transmitted from the terminal device, and the optimal medical insurance for the user based on the determined disease risk. It is possible to send product introduction data. Therefore, the terminal device can introduce the medical insurance product most suitable for the health condition of the user by receiving such introduction data from the server device.

  The medical insurance referral method of the present invention is a medical insurance referral method in a medical insurance referral system that includes a terminal device configured by a computer and a server device that is communicably connected to the terminal device and configured by a computer. Then, the terminal device measures the calorie of the food by the calorie measuring means, acquires the vital data of the user, transmits the calorie and the vital data to the server device, and the server device receives the vital data from the terminal device. The calorie ingested by the user and the vital data are received, and the disease risk is determined based on the data relating to the disease risk with respect to the calorie intake and vital data stored in the storage means, and the received calorie and the vital data. And the disease stored in the storage means Based on data relating to health insurance products of risk, to select a health insurance products for the determined said disease risks, and transmits the referral data to introduce the medical insurance commodity selected on the terminal device.

  In the present invention, as in the case of the above-described invention, the user's disease risk can be appropriately determined based on the accurate calories for food, and the optimal medical insurance product suitable for the user can be introduced. Further, by linking the calorie intake and the introduction of medical insurance products, the user can increase the willingness to self-health management and obtain a health promotion effect.

The block diagram which shows schematic structure of the medical insurance introduction system which concerns on one Embodiment of this invention. The figure which shows schematic structure of the terminal device of this embodiment. FIG. 3 is a cross-sectional view illustrating a schematic configuration of a wavelength tunable interference filter according to the present embodiment. The figure which shows an example of the data format of the risk prediction data of this embodiment. The figure which shows an example of the data format of the insurance introduction data of this embodiment. The figure which shows an example of the initial screen at the time of starting the application for utilizing a medical insurance introduction system with a terminal device in this embodiment. The flowchart which shows the calorie measurement process of this embodiment. The flowchart which shows the insurance introduction process of this embodiment. The flowchart which shows the insurance special contract process of this embodiment.

Hereinafter, a medical insurance introduction system according to an embodiment of the present invention will be described with reference to the drawings.
[Schematic configuration of medical insurance referral system]
FIG. 1 is a block diagram showing a schematic configuration of a medical insurance introduction system according to an embodiment of the present invention.
As shown in FIG. 1, the medical insurance introduction system 1 includes a terminal device 10 and a server device 20 that are connected to each other via a network 2.
Here, the network 2 is the Internet based on a general-purpose protocol such as TCP / IP, for example. The network 2 may be another communication line network such as a LAN (Local Area Network), for example, and any configuration for transmitting and receiving data can be used.

  The medical insurance introduction system 1 of this embodiment determines the future disease risk from the health state of the user who is the owner of the terminal device 10, introduces the optimal medical insurance product to the user, and contracted medical insurance. It is a system that applies insurance special services according to the health condition of users to products.

[Configuration of terminal device]
In the present embodiment, the terminal device 10 measures the accurate calorie of the food ingested by the user and transmits the calorie intake as the calorie intake to the server device 20, and the server device 20 determines the user's health status based on the received calorie intake. Determine the risk of illness or invitation. Therefore, it is preferable that the terminal device 10 is configured by a portable device so that the calorie of the food can be measured even when the user eats out. Examples of such a terminal device 10 include a portable spectroscopic camera, a mobile phone equipped with a spectroscopic camera function, a smartphone, and the like. In the present embodiment, the above-described portable terminal device is exemplified as the terminal device 10, but the present invention is not limited to this. That is, for example, a fixed terminal device such as a personal computer and a spectroscopic camera that can communicate with the terminal device may be used.

FIG. 2 is a diagram illustrating a schematic configuration of the terminal device 10.
The terminal device 10 has a thickness of about 1 to 2 cm, for example, and is formed in a thin box shape that can be easily stored in a pocket of clothes. As shown in FIG. 2, the terminal device 10 includes a visible light imaging module 11, a near infrared imaging module 12, an input unit 13, a display unit 14, a terminal communication unit 15 (terminal communication unit), a terminal storage unit 16, and A terminal control unit 17 and the like are provided. Moreover, although illustration is abbreviate | omitted, the terminal device 10 has a temperature sensor (for example, a thermopile array, a non-contact bolometer, etc.) which detects the temperature of the food to be measured, and a mass measuring unit which measures the mass of the food to be measured. It is good also as a structure provided.

[Configuration of visible light imaging module]
The visible light imaging module 11 includes a visible light incident unit 111 and a color imaging unit 112. In addition, in FIG. 2, although the visible light incident part 111 shows the example comprised by one lens, in fact, it is comprised by the some lens and color imaging the virtual image of foodstuffs to be measured with these lenses. The image is formed on the portion 112.
The color imaging unit 112 includes an imaging element for imaging a color image, captures a color captured image of incident light, and outputs the captured image to the terminal control unit 17.

[Configuration of near-infrared imaging module]
The near-infrared imaging module 12 includes a light incident unit 121, a light source unit 122, a variable wavelength interference filter 5, and an imaging unit 123.
(Configuration of light incident part)
Although not shown, the light incident unit 121 is configured by a plurality of lenses, and forms a virtual image of the food to be measured within the viewing angle on the imaging unit 123 via the wavelength variable interference filter 5. As these lenses, telecentric lenses are preferably used. By using telecentric lenses, the optical axis of incident light can be aligned in a direction parallel to the principal ray, and fixed reflection of a wavelength variable interference filter 5 described later. Light can be incident perpendicularly to the film 54 and the movable reflective film 55.

(Configuration of light source)
The light source unit 122 includes a plurality of types of light sources having different emission wavelengths. Specifically, a visible light source that emits visible light and a near infrared light source that emits near infrared light are provided. Further, the near-infrared light source may be composed of a plurality of types of light sources having different emission wavelengths. In this case, a light source that emits light according to a measurement target (component analysis target) under the control of the terminal control unit 17. You may switch.

(Configuration of wavelength variable interference filter)
The tunable interference filter 5 is a tunable Fabry-Perot etalon element that constitutes the spectroscopic element in the present invention.
FIG. 3 is a cross-sectional view illustrating a schematic configuration of the wavelength variable interference filter 5.
The variable wavelength interference filter 5 includes a transparent substrate such as a glass substrate, and includes a fixed substrate 51 having a thickness dimension of, for example, about 500 μm and a movable substrate 52 having a thickness dimension of, for example, about 200 μm. The fixed substrate 51 and the movable substrate 52 are integrally formed by bonding with a bonding film 53 formed of, for example, a plasma polymerization film mainly containing siloxane. By using such a wavelength tunable interference filter 5, for example, compared with the case where an AOTF (Acousto-Optic Tunable Filter) or LCTF (Liquid Crystal Tunable Filter) is used as a spectroscopic element, it is possible to promote downsizing of the apparatus, It is possible to configure a portable terminal device 10 that can calculate the number of calories.

The fixed substrate 51 includes an electrode arrangement groove 511 and a reflective film installation part 512 formed by etching. A fixed electrode 561 is provided in the electrode arrangement groove 511, and a fixed reflective film 54 is provided in the reflective film installation portion 512.
The fixed electrode 561 is formed in an annular shape surrounding the reflective film installation portion 512 in the electrode arrangement groove 511, for example.
As the fixed reflective film 54, for example, a metal film such as Ag or an alloy film such as an Ag alloy can be used. For example, a dielectric multilayer film in which the high refractive layer is TiO ₂ and the low refractive layer is SiO ₂ may be used. Further, a reflective film in which a metal film (or alloy film) is laminated on a dielectric multilayer film, a reflective film in which a dielectric multilayer film is laminated on a metal film (or alloy film), a single refractive layer (TiO ₂ or SiO ₂₎ and a metal film (or alloy film) and the like may be used reflective film formed by laminating a.

As shown in FIG. 3, the movable substrate 52 includes a movable portion 521 and a holding portion 522 that is provided outside the movable portion 521 and holds the movable portion 521.
The movable part 521 is formed to have a thickness dimension larger than that of the holding part 522. For example, in this embodiment, the movable part 521 is formed to have the same dimension as the thickness dimension of the movable substrate 52. The movable portion 521 is formed to have a diameter that is larger than at least the diameter of the outer peripheral edge of the reflective film installation portion 512 in the filter plan view. The movable part 521 is provided with a movable electrode 562 and a movable reflective film 55.

  The movable electrode 562 is provided at a position facing the fixed electrode 561. The movable reflective film 55 is disposed at a position facing the fixed reflective film 54 via the inter-reflective gap G1. As the movable reflective film 55, a reflective film having the same configuration as that of the fixed reflective film 54 described above is used.

The holding part 522 is a diaphragm that surrounds the periphery of the movable part 521, and has a thickness dimension smaller than that of the movable part 521. Such a holding part 522 is easier to bend than the movable part 521, and the movable part 521 can be displaced toward the fixed substrate 51 by a slight electrostatic attraction. Thereby, it is possible to change the gap dimension of the gap G1 between the reflection films while maintaining the parallelism of the fixed reflection film 54 and the movable reflection film 55.
In the present embodiment, the diaphragm-like holding part 522 is exemplified, but the present invention is not limited to this. For example, the beam-like holding parts arranged at equal angular intervals with the plane center point O of the movable part 521 as the center. It is good also as a structure provided.

  In the wavelength variable interference filter 5 as described above, the electrostatic actuator 56 is configured by the fixed electrode 561 and the movable electrode 562, and these electrodes 561 and 562 are terminal-controlled via a voltage control circuit (driver) (not shown). Connected to the unit 17. Then, under the control of the terminal control unit 17, when a voltage is applied from the voltage control circuit to the electrostatic actuator 56, an electrostatic attractive force corresponding to the voltage (V) acts between the electrodes 561 and 562, and the reflective film The gap dimension of the gap G1 is changed. As a result, the wavelength (λ) of the light transmitted through the wavelength variable interference filter 5 can be changed. In the present embodiment, in the variable wavelength interference filter 5, V-λ data, which is the relationship between the voltage (V) applied to the electrostatic actuator 56 and the wavelength (λ) of transmitted light, is a terminal storage unit to be described later. 17 is stored.

(Configuration of imaging unit)
Returning to FIG. 2, the imaging unit 123 of the near-infrared imaging module 12 includes an imaging element that receives near-infrared light that has passed through the wavelength variable interference filter 5. As such an imaging unit 123, for example, an image sensor such as a charge-coupled device (CCD) or a complementary metal-oxide semiconductor (CMOS) can be used. In this embodiment, since the visible light imaging module 11 captures a color image, the imaging unit 123 only needs to capture a monochrome image with a predetermined wavelength in the infrared region, and an imaging device for capturing a monochrome image is used. Can do. In this case, one image sensor can be arranged for one pixel. For example, as compared with an image pickup unit for imaging a color image in which an image sensor corresponding to R, G, and B needs to be arranged for one pixel. The light receiving surface around the pixel can be enlarged, and the light amount of the target wavelength can be received more efficiently. As a result, a sufficient amount of received light necessary for component analysis can be secured, and the analysis accuracy can be improved.
In the configuration in which a near-infrared high-pass filter is provided in the optical path, an image sensor having sensitivity characteristics over a wide range from the near-infrared region to the visible light region (or ultraviolet region) can be used as the imaging unit 123. On the other hand, in the configuration in which the near-infrared high-pass filter is not provided, the visible light region or the ultraviolet region light transmitted as the secondary peak or the tertiary peak from the wavelength variable interference filter 5 is not received, so that the ultraviolet to visible light region is not received. For example, an imaging device such as a GaAs photosensor having a low sensitivity characteristic and a high sensitivity characteristic in the near infrared region can be used.
Then, the imaging unit 123 outputs an image signal of a spectral image based on the light received by each imaging element to the terminal control unit 17.

[Configuration of input unit, display unit, and terminal communication unit]
The input unit 13 includes, for example, an input button, a keyboard, a mouse, a touch panel provided on the display unit, and the like, and receives an operation from the user. The input unit 13 inputs an operation signal based on a user operation to the terminal control unit 17.
The display unit 14 is configured by a display device such as a liquid crystal panel, and displays an image based on an image signal input from the terminal control unit 17.
The terminal communication unit 15 is connected to the network 2 and communicates with the server device 20 and external devices on the network 2.

[Configuration of terminal storage unit]
The terminal storage unit 16 is configured by, for example, a memory, a hard disk drive, or the like. The terminal storage unit 16 stores an OS (Operating System) for controlling the overall operation of the terminal device 10, various programs, and various data.
And the terminal memory | storage part 16 memorize | stores a user's vital data as said data. This vital data includes user gender, age, BMI (Body Mass Index), body fat percentage, muscle strength, visceral fat level, blood pressure, blood glucose level, heart rate, basal metabolism, alcohol consumption, smoking, diabetes, etc. This is data on the user's body, such as the presence / absence of medical history and exercise time per day. These data may be acquired by, for example, the user operating the input unit 13, and measuring instruments (for example, a body composition meter, a weight scale, a sphygmomanometer, Measurement data may be input from a pedometer or the like.

  Further, the terminal storage unit 16 stores user-related data regarding the user. This user-related data includes, for example, a user ID for identifying each user in the medical insurance introduction system 1, a user's name, whereabouts, and other contracted medical insurance products (hereinafter referred to as contracted) Insurance), and the premium of the contracted insurance and its maximum discount rate.

Further, the terminal storage unit 16 stores V-λ data for driving the electrostatic actuator 56 of the wavelength variable interference filter 5.
Further, the terminal storage unit 16 has correlation data (for example, a calibration curve) indicating the correlation between the feature amount (absorbance at a specific wavelength) extracted from the absorption spectrum for each component of the nutrient to be analyzed and the component content. Is memorized.
Further, the terminal storage unit 16 stores the calorie of the measurement target food calculated by the terminal control unit 17 as the calorie intake by the user.
Furthermore, as described above, when the terminal device 10 is configured to be provided with a temperature sensor, the terminal storage unit 16 may store correction values of the absorption spectrum of each component with respect to the temperature.

[Configuration of terminal control unit]
The terminal control unit 17 includes an arithmetic circuit such as a CPU (Central Processing Unit) and a storage circuit. As shown in FIG. 2, the terminal control unit 17 reads and executes various programs stored in the terminal storage unit 16, and as shown in FIG. 2, module control unit 171, calorie calculation unit 172, vital data acquisition unit 173, data transmission / reception. It functions as the means 174 and the display control means 175.

The module control means 171 controls the visible light imaging module 11 and the near infrared imaging module 12. That is, the module control unit 171 controls the visible light imaging module 11 and acquires a color captured image.
Further, the module control unit 171 controls the near-infrared imaging module 12 to control the electrostatic actuator 56 based on the V-λ data stored in the terminal storage unit 16, and the spectral image for each predetermined wavelength interval. To get.

The calorie calculating means 172 calculates the calories contained in the measurement target food based on the spectral images of the respective wavelengths acquired by the control of the module control means 171. The variable wavelength interference filter 5 and the imaging unit 123 of the near-infrared imaging module 12, the module control unit 171, and the calorie calculation unit 172 constitute a calorie measurement unit of the present invention.
Specifically, the calorie calculation unit 172 includes a mass estimation unit 172A and a component analysis unit 172B.
The mass estimation unit 172A estimates the volume of the food to be measured based on the captured image, and estimates the mass based on the estimated volume. In this embodiment, an example is shown in which the mass is estimated by the mass estimation unit 172A. For example, a digital scale or the like is provided in a part of the terminal device 10 and the mass measured by the digital scale is acquired. Also good.

  The component analysis unit 172B calculates the absorbance from the light amount of each pixel of the acquired spectral image, and calculates the content rate, content, and food calorie for each component using the correlation data stored in the terminal storage unit 16. And stored in the terminal storage unit 16.

The vital data acquisition means 173 acquires vital data input from the input unit 13 or other measuring instruments and stores it in the terminal storage unit 16.
The data transmission / reception means 174 transmits the latest vital data and calories stored in the terminal storage unit 16 to the server device 20 together with user related data. Note that data that has already been transmitted to the server device 20 (data that has not been updated) may not be transmitted, and only updated data may be transmitted.

The display control unit 175 controls the display unit 14 to display the color image captured by the visible light imaging module 11, the spectral image captured by the near infrared imaging module 12, and other various display screens on the display unit 14. Display.
Detailed processing contents of each component of the terminal control unit 17 will be described later.

[Configuration of server device]
As shown in FIG. 1, the server device 20 includes a server communication unit 21 (server communication unit), a server storage unit 22 (storage unit), a server control unit 23, and the like.
The server communication unit 21 communicates with the terminal device 10 via the network 2 to transmit and receive data.

[Configuration of server storage unit and data stored in server storage unit]
The server storage unit 22 is configured by various storage media such as a memory and a hard disk, and stores an OS, various programs, and various data for controlling the server device 20.
The server storage unit 22 stores risk prediction data and insurance introduction data.

FIG. 4 is a diagram illustrating an example of a data format of risk prediction data.
The risk prediction data is data indicating the relationship between the calorie intake and vital data and the future disease risk, and is stored, for example, in a table data format as shown in FIG.
As shown in FIG. 4, in the risk prediction data, the disease risk is classified in detail according to the calorie intake in a predetermined period (for example, one day) and each element of the vital data. In FIG. 4, BMI, body fat level, and presence / absence of diabetes are exemplified as each element of vital data. However, in reality, each element (gender, age, body fat percentage, muscle strength, etc.) described above is illustrated. Illness risk is set in more detail according to blood pressure, blood glucose level, heart rate, basal metabolism, drinking, smoking, other medical history, exercise time per day, etc.).
The disease risk is data indicating the risk of developing a disease in the future, and is data indicating, for example, a disease that is highly likely to occur in a predetermined period (for example, 10 years) and the occurrence probability thereof.

FIG. 5 is a diagram illustrating an example of a data format of insurance introduction data.
Insurance referral data can be discounted with the recommended medical insurance products (hereinafter sometimes abbreviated as recommended insurance), insurance premiums of the recommended insurance, and insurance premiums of the recommended insurance for each disease risk described above The maximum limit (maximum discount rate) is recorded.
The recommended insurance records data on the best medical insurance products for diseases that are likely to occur at disease risk. For example, data relating to cancer insurance is recorded for a disease risk with a high incidence of cancer.
The maximum discount amount is recorded as the maximum discount rate of the insurance special service that can be applied when the disease risk is reduced based on health management data (described later) stored in the server storage unit 22.
In this embodiment, the risk prediction data and the insurance introduction data are shown as separate data. However, the present invention is not limited to this, and there is a recommended insurance, insurance premium, maximum discount amount, etc. for the disease risk of the risk prediction data. It may be associated and recorded.

The server storage unit 22 stores user management data.
The health management data stores the user's calorie intake, vital data, and user-related data transmitted from the terminal device 10.
Here, every time the user's calorie intake and vital data are transmitted from the terminal device 10, the transmitted data is stored in association with the transmission date and time. That is, the server storage unit 22 accumulates a history of calorie intake by the user and a history of changes in vital data such as BMI and weight, and functions as a data storage unit of the present invention.
In addition, when the updated data is transmitted from the terminal device 10, the user related data is updated with the received data. Note that the user ID is not changed. As described above, the user-related data includes data related to the user's contracted medical insurance and the insurance premium of the contracted medical insurance. Therefore, the server storage unit 22 also functions as a contracted insurance storage unit of the present invention.

[Configuration of server control unit]
The server control unit 23 is configured by an arithmetic circuit such as a CPU and a storage circuit, for example. As shown in FIG. 1, the server control unit 23 reads and executes various programs stored in the server storage unit 22, so that the risk determination unit 231, the insurance selection unit 232, the fee comparison unit 233, and the insurance introduction unit 234 are displayed. , And charge changing means 235.

The risk determination unit 231 determines the disease risk using the risk prediction data based on the user vital data and calorie intake transmitted from the terminal device 10 or the user management data stored and stored in the server storage unit 22.
The insurance selection unit 232 selects the recommended insurance corresponding to the disease risk determined by the risk determination unit 231 using the insurance introduction data. Note that the recommended insurance to be selected is not limited to one, and a plurality of recommended insurances may be selected.
The fee comparison unit 233 compares the insurance premium between the recommended insurance selected by the insurance selection unit 232 and the contracted insurance stored in the user management data.
The insurance introduction unit 234 transmits insurance introduction data for introducing medical insurance products to the terminal device 10 based on the comparison result of the fee comparison unit 233.
The fee changing means 235 determines the increase or decrease of the disease risk based on the calorie intake and vital data accumulated in the user management data, and if the disease risk is reduced, the insurance changing service corresponding to the risk reduction amount is provided. Apply and change insurance premiums.
The detailed processing contents of the server control unit 23 will be described later.

[Medical insurance referral processing in the medical insurance referral system]
Next, the medical insurance introduction process in the medical insurance introduction system 1 as described above will be described based on the drawings.

  In the medical insurance introduction system 1 of the present embodiment, when an application for using the medical insurance introduction system 1 is activated in the terminal device 10, the display control means 175 of the terminal control unit 17 performs "calorie measurement", "vital" An initial screen 141 as shown in FIG. 6 on which selection buttons 141A, 141B, 141C, 141D capable of selecting “data input”, “insurance introduction”, and “insurance special offer” are arranged is displayed on the display unit 14. Then, when the user operates the input unit 13 and any one of these selection buttons 141A, 141B, 141C, and 141D is selected, the following processing is performed.

[Calorie measurement process]
When the selection button 141A corresponding to “calorie measurement” is selected on the initial screen 141 illustrated in FIG. 6, the terminal device 10 performs a calorie measurement process.
FIG. 7 is a flowchart of the calorie measurement process.
In this calorie measurement process, the module control means 171 activates the visible light imaging module 11 and the near infrared imaging module 12 (step S1). Here, the display control unit 175 displays the color image captured by the visible light imaging module 11 on the display unit 14 in real time. Thereby, the user can adjust the imaging posture so that the food to be measured is within the imaging range.
Moreover, in this embodiment, when calculating the calorie of a measurement object food, mass is estimated from the volume of a measurement object food. Therefore, for example, it is preferable to photograph the food to be measured together with a reference object whose preset size is known. As such a reference object, for example, a dish having a known size may be used, or a scale or a marker placed near the food to be measured may be used.

When the module control unit 171 receives an input signal indicating that a spectral image is acquired by operating the input unit 13 by the user, the module control unit 171 is based on the V-λ data stored in the terminal storage unit 16. The voltage applied to the electrostatic actuator 56 is sequentially changed. Thereby, the spectral images of the respective wavelengths corresponding to the driving voltage are sequentially captured by the imaging unit 123 (step S2).
In this embodiment, calories are calculated based on the component amounts of lipid, carbohydrate, protein, and water. Therefore, in this step S2, a spectral image of each wavelength (measurement target wavelength) from which feature amounts for these lipids, carbohydrates, proteins, and moisture are obtained may be acquired.
Note that the present invention is not limited to this, and spectral images at predetermined wavelength intervals (for example, 10 nm intervals) may be acquired sequentially.

Here, when the terminal device 10 is provided with a temperature sensor, the module control unit 171 detects the temperature at each point (each pixel of the captured image) from the temperature distribution of the food to be measured, and based on the detected temperature. Then, each wavelength to be measured may be corrected.
For example, at a reference temperature T _0, if a change in absorbance at a wavelength lambda _A0 by the content of the component A, the feature amount of the components A at the reference temperature T ₀ is a absorbance at a wavelength lambda _A0. However, at the temperature T ₁ , the absorbance at the wavelength λ _A1 may change depending on the content of the component A. In this case, the characteristic amount of the component A at the temperature T ₁ is the absorbance at the wavelength λ _A1 . In particular, moisture is known to have a large change in the absorption spectrum due to a temperature change, and it is preferable to correct the wavelength at which the feature amount is detected when analyzing each component.
In the configuration in which the temperature sensor is provided as described above, the correction value for each temperature of each component stored in the terminal storage unit 16 is read, the correction value is multiplied by the wavelength λ _A0, and the feature amount with respect to the temperature T ₁ The wavelength λ _{A1 at} which is detected is calculated. Further, when the temperature differs depending on the part of the inspection target, the measurement target wavelength is calculated corresponding to the temperature of each part.

Next, a calorie calculation process by the calorie calculation means 172 is performed.
In this calorie calculation process, first, the component analysis unit 172B performs component analysis of the food to be measured based on the spectral image obtained in step S2, and calculates the component content of each component (step S3).
Specifically, the component analysis unit 172B specifies a pixel range in which the measurement target food is displayed, and calculates the content of each component in the entire measurement target food.
The food to be measured is specified based on a spectral image captured by the near-infrared imaging module 12 or a color image captured by the visible light imaging module 11. As a method for specifying the food to be measured, a conventional image processing technique can be used. For example, the pixel range in which the food to be measured is projected is specified by detecting an edge in the image. Note that the method for specifying the measurement target food is not limited to this. For example, when the shape feature value of the measurement target food is stored in the terminal storage unit 16, the measurement target food is analyzed by analyzing the image based on the shape feature value. You may identify food.

And the component analysis means 172B calculates the average value of the content rate in each pixel of the specified measurement object food with respect to each component, and makes it the component content rate in the whole measurement object food. A plurality of pixels may be picked up from the specified pixel range of the food to be measured, and the component content analyzed for these pixels may be averaged.
As a method of obtaining the content rate, the component analysis unit 172B uses, for example, the following formula (1) based on the reference received light amount I ₀ and the received light amount I _λ in each pixel of the spectral image of the captured wavelength λ. Then, the absorbance A _λ of the wavelength λ in each pixel is calculated.

A _λ = −log (I _λ / I ₀ ) (1)

The reference received light amount I ₀ may be a value set in advance and stored in the terminal storage unit 16, and is acquired by imaging a reference calibration object such as a white substrate before imaging the food to be measured. May be.
Thereafter, the component analysis unit 172B analyzes the content ratio of each component based on the calculated absorbance A _λ and the correlation data stored in the terminal storage unit 16. This component content analysis method can be performed by a conventionally used chemometric method. As the chemometrics method, for example, methods such as multiple regression analysis, principal component regression analysis, and partial least square method can be used. In addition, since each analysis method using these chemometrics methods is a well-known technique, description here is abbreviate | omitted.

Next, the mass estimation unit 172A estimates the mass of the food to be measured (step S4).
In step S5, the mass estimation unit 172A estimates the volume of the food to be measured based on the captured image. The captured image may be one of the acquired spectral images or a color image captured by the visible light imaging module 11.
In the present embodiment, as described above, the reference object whose size is known is imaged together with the food to be measured. The mass estimation unit 172A estimates the approximate volume of the inspection object by comparing the size of the reference object and the size of the inspection object based on the captured image.
In addition, it is not limited to the estimation of the volume using a reference material, For example, you may estimate the volume of a test target object by image processing. For example, a process for obtaining the volume of the inspection object by three-dimensional analysis processing may be performed using captured images obtained by imaging the inspection object from different angles.

  Then, the mass estimation unit 172A estimates the mass of the measurement target food from the content of each component analyzed in step S3 and the estimated volume of the measurement target food.

  Thereafter, the component analysis means 172B calculates the content of each component based on the mass estimated in step S4 and the content rate of each component analyzed in step S3 (step S5). Moreover, the component analysis means 172B calculates the calorie of the test object based on the expression (2) from the content of each component (the content of lipid, carbohydrate, and protein) calculated in step S5 (step). S6).

  Calories (kcal) = Lipid content (g) x 9 + Protein content (g) x 4 + Sugar mass (g) x 4 (2)

  Then, the component analysis unit 172B sets the calculated calorie as the calorie intake in the user's meal, and stores it in the terminal storage unit 16 in association with the date and time when the calorie measurement was performed.

[Vital data input processing]
Next, vital data input processing will be described.
When the selection button 141B corresponding to “Vital data input” is selected by the user's operation of the input unit 13 on the initial screen illustrated in FIG. 6, the terminal device 10 performs vital data input processing.
In this vital data input process, the display control means 175 of the terminal control unit 17 displays each element (age, BMI (or height and weight), body fat percentage, muscle strength, visceral fat level, blood pressure on the display unit 14. Blood glucose level, heart rate, basal metabolism, drinking, smoking, history of diabetes, exercise time per day, etc.). In addition, the display control unit 175 selects an element to be changed, causes the display unit 14 to display that the changed numerical value is input, and prompts the user to perform an operation.
When receiving an input to change the vital data element by the user's operation of the input unit 13, the terminal control unit 17 acquires the input vital data element, associates it with the input date and time, and stores the terminal data. Store in unit 16.

[Insurance referral processing]
Next, insurance introduction processing will be described.
In the initial screen illustrated in FIG. 6, when the selection button 141 </ b> C corresponding to “insurance introduction” is selected by the user's operation of the input unit 13, the terminal device 10 performs an insurance introduction process using the medical insurance introduction system 1. To do.
FIG. 8 is a flowchart showing the insurance introduction process.

In the insurance introduction process, the data transmission / reception means 174 of the terminal device 10 reads ingested calories, vital data, and user-related data stored in the terminal storage unit 16, and transmits these data to the server device 20 (step S11). .
Each data is associated with a flag indicating whether or not the data has already been transmitted to the server device 20 and a flag indicating whether or not the data is updated, and unsent data and updated data are transmitted. You may perform the process to do.

When the server device 20 receives the calorie intake and vital data and the user related data from the terminal device 10 (step S21), the server device 20 identifies the terminal device 10 and the user of the transmission source based on the user ID and the like included in the user related data Then, the user management data of the corresponding user stored in the server storage unit 22 is specified.
Then, the server control unit 23 stores and stores the calorie intake and the intake date / time in association with the specified user management data. The vital data is stored and stored in association with the input date and time. That is, the history of calorie intake by the user and the change history of vital data are recorded in the user management data. In addition, if there is an updated element (data) in the user related data, the element is updated (step S22).
If there is no user management data corresponding to the server storage unit 22, the terminal device 10 is prompted for user registration and new user management data is created.

Thereafter, the risk determination unit 231 calculates the total calorie intake for a predetermined period (for example, 1 day) from the history of the calorie intake by the user. Then, the risk determination unit 231 determines the future disease risk of the user based on the calculated calorie intake and vital data in the predetermined period and the risk prediction data recorded in the server storage unit 22 (step S23). ).
Moreover, the insurance selection means 232 uses the insurance introduction data stored in the server storage unit 22 to select a recommended insurance corresponding to the disease risk determined in step S23 (step S24).

Thereafter, the fee comparison unit 233 determines whether or not the user management data includes contracted insurance (step S25).
When it is determined in step S25 that there is contracted insurance (when it is determined “Yes”), the fee comparison unit 233 determines the insurance premium of the contracted insurance and the insurance of the recommended insurance selected in step S24. It is determined whether the premium for the recommended insurance is cheaper than the premium for the contracted insurance (step S26).
Then, if it is determined in step S25 that there is no contracted insurance (if “No” is determined), and if it is determined in step S26 that the premium for the recommended insurance is low (“Yes”, it is determined). In this case, the insurance introduction unit 234 generates introduction data related to the selected recommended insurance and transmits it to the terminal device 10 (step S27).
The introduction data includes, for example, contents introducing recommended insurance and premiums, URLs introducing the contents, etc., which are stored in association with each recommended insurance in the insurance introduction data. Yes.
And the terminal device 10 will receive the introduction data transmitted by step S27 (step S12), and the display control means 175 will perform the process which displays the introduction data on the display part 14 (step S13).

  In the present embodiment, when it is determined in step S26 that the insurance premium of the contracted insurance is low (when it is determined “No”), the process is terminated as shown in FIG. You may transmit to the terminal device 10 that there is no possible medical insurance product, and you may make it display on the display part 14. FIG. Moreover, after displaying that the insurance premium of the contracted product is cheaper, the introduction data of the medical insurance product selected as the recommended insurance may be displayed.

[Insurance special treatment]
Next, insurance contract processing will be described.
In the initial screen shown in FIG. 6, when the selection button 141D corresponding to “insurance contract” is selected by the user's operation of the input unit 13, the terminal device 10 performs the insurance contract process using the medical insurance introduction system 1. To do.

FIG. 9 is a flowchart showing insurance special contract processing.
In the insurance special contract process, the data transmission / reception means 174 of the terminal device 10 transmits a special contract application request for requesting the application of the insurance special contract to the server apparatus 20 together with the user-related data (step S14). Note that the data transmission / reception means 174 may transmit calorie intake and vital data as in the insurance introduction process.
On the other hand, when the server device 20 receives the special contract application request from the terminal device 10 (step S31), the server control unit 23 specifies the user management data of the corresponding user based on the user ID (step S32).

Thereafter, the fee changing unit 235 refers to the history of calorie intake recorded in the user management data identified in step S32, and the acquisition date of the latest calorie intake is a preset period (for example, 3 months). It is determined whether it is within (step S33).
In this step S33, when the acquisition date of the latest calorie intake is before the specified period (when it is determined “No”), the fee changing unit 235 does not apply the insurance special contract (step S34). In other words, the premium for contracted insurance is not changed.
In this case, the fee changing unit 235 creates report data for requesting transmission of the latest calorie intake and vital data, for example.
In step S14, when the latest calorie intake or vital data is transmitted, the process of step S33 may be omitted.

On the other hand, in step S33, when the acquisition date of the latest calorie intake is later than the specified period (when it is determined as “Yes”), the risk determination unit 231 performs the user management data and the same as in step S23 described above. Determine disease risk based on risk prediction data. Furthermore, the risk determination means 231 determines increase / decrease in the disease risk based on the history of calorie intake and the change history of vital data (step S35). Note that the disease risk determined in the past may be stored in the server storage unit 22, and the risk increase or decrease may be determined from the history of the past disease risk.
For example, it is defined in advance that the cancer risk level is 50% or more when the cancer incidence rate is 50% or more, and that the cancer risk level decreases by 1 every time the incidence rate decreases by 10%. In this case, for example, in the past disease risk determination, the probability of developing cancer within 10 years is 60%, and in the latest disease risk determination, the probability of developing cancer within 10 years is 15%. When it is determined that the rate is%, the charge changing unit 235 determines that the cancer risk level has decreased from 5 to 1 in the disease risk.

Thereafter, the fee changing means 235 determines whether or not the reduction amount of the disease risk determined in step S35 is equal to or higher than a predetermined level (step S36). For example, it is determined whether or not the cancer risk level has been reduced by 1 or more.
In step S36, when it is determined that there is no decrease in disease risk (when it is determined "No"), the process of step S34 is performed, that is, the special contract is not applied. In this case, the fee changing unit 235 creates report data that reports that the disease risk has not decreased, for example.

  On the other hand, when it is determined in step S36 that the disease risk has decreased by a predetermined level or more (when it is determined “Yes”), the fee changing means 235 determines the insurance of the contracted insurance based on the decrease amount of the disease risk. A discount rate of the fee is calculated (step S37). For example, the fee changing unit 235 increases the discount rate by 10% each time the risk level decreases by one level.

Next, the fee changing unit 235 determines whether or not the calculated discount fee is smaller than the maximum discount rate of the contracted insurance (step S38).
In step S38, when the calculated discount fee is equal to or greater than the maximum discount rate of the contracted insurance (when determined “No”), the process of step S34 is performed, and the special contract is not applied. In this case, the charge changing unit 235 creates report data reporting that, for example, the discount rate is the maximum discount rate and no further discount can be received.

In step S38, when it is determined that the calculated discount fee is smaller than the maximum discount rate of the contracted insurance (when it is determined “Yes”), the fee changing unit 235 provides an insurance special contract for the contracted insurance. Is applied (step S39). That is, the fee changing means 235 applies the discount rate calculated in step S37 to the insurance premium of the contracted insurance, and changes (decreases) the insurance premium. This allows the user to apply a lower fee than before for the payment of contracted insurance.
Further, the fee changing means 235 creates report data reporting that the insurance special service has been applied.

Then, the fee changing unit 235 transmits the report data created in Step S34 or Step S39 to the terminal device 10 (Step S40).
When the data transmission / reception means 174 of the terminal device 10 receives the report data (step S15), the report content is displayed on the display unit 14 to notify the user of the application or non-application of the insurance special policy.

[Operational effects of this embodiment]
In the medical insurance introduction system 1 of this embodiment, in the terminal device 10, the near-infrared imaging module 12, the module control unit 171, and the calorie calculation unit 172 calculate the calorie of the food to be measured, and the calculated calorie is calculated by the user. The calorie intake is transmitted to the server device 20 together with vital data. Then, the risk determination unit 231 of the server device 20 determines the user's disease risk based on the received calorie intake and vital data and the risk prediction data stored in the server storage unit 22, and the insurance selection unit 232 The recommended insurance for the disease risk is selected, and the insurance referral means 234 transmits the recommended insurance referral data to the terminal device 10.
In such a configuration, since the accurate calorie of the food that the user takes in the meal is used in the determination of the disease risk, for example, the disease risk is calculated based on the approximate calorie preset for the food or the cooked food. Compared to the determination, the disease risk can be determined more accurately and reliably. Therefore, by introducing recommended insurance based on such a highly reliable disease risk, it is possible to provide the optimal medical insurance product for the user.
In addition, by combining calorie intake with the introduction of medical insurance products based on disease risk, users can be aware of their own disease risk and medical expenses related to the treatment of future illnesses. Increases willingness to manage. Therefore, the user's health promotion effect can be obtained.

In the present embodiment, the risk determination unit 231 determines whether the disease risk has increased or decreased, and when it is determined that the disease risk has decreased, the fee changing unit 235 calculates a discount rate according to the decreased disease risk level. The insurance contract processing applied to the premium of contracted insurance is implemented.
For this reason, the willingness to the self-health management of the user using the medical insurance introduction system 1 can be increased, and the health promotion effect of the user can be obtained more effectively. Further, for the product provider who provides medical insurance products, the opportunity for paying insurance money to the user is reduced as the user's health is promoted, and the profit can be increased.

In the present embodiment, the fee comparison unit 233 compares the premium of the contracted insurance with the insurance premium of the recommended insurance selected by the insurance selection unit 232, and determines that the insurance premium of the recommended insurance is low. The insurance introduction means 234 transmits the recommended insurance introduction data to the terminal device 10 for introduction.
Therefore, it is possible to introduce a user to a medical insurance product that can receive an appropriate insurance money in the event of illness in the future and can reduce the current economic burden. This allows the user to review whether the contracted medical insurance product that is currently contracted is a medical insurance product that suits their current economic situation and future disease risk. Medical insurance products can be selected.

In the present embodiment, the calorie measuring unit includes the near-infrared imaging module 12, the module control unit 171, and the calorie calculating unit 172, and the imaging unit 123 converts the light spectrally separated by the wavelength variable interference filter 5 that is a spectral element. A spectral image is acquired by being imaged, and calories are calculated based on the spectral image.
By adopting such a configuration, calories can be measured in a non-contact manner with respect to the food to be measured, which is excellent in hygiene, and calories of the entire food can be calculated based on the spectral image. Accurate total calories of food can be calculated.
The wavelength variable interference filter 5 is a simple structure in which a fixed substrate 51 provided with a fixed reflective film 54 and a fixed electrode 561 and a movable substrate 52 provided with a movable reflective film 55 and a movable electrode 562 are bonded by a bonding film 53. It can be configured with a thickness dimension of about 1 mm. Therefore, compared with the case where a spectral image is obtained using a spectroscopic element such as AOTF or LITF, the element can be reduced in size, and the terminal device 10 can be reduced in size and thickness. Accordingly, the user can easily carry the terminal device 10 and go out, and even when eating meals at the place of going out, the calorie of the food can be measured. In this way, it is possible to measure the calorie intake in the user's lifestyle more accurately by making it possible to measure the calories of food regardless of location, and more accurately determine the disease risk be able to. Therefore, the medical insurance referral system 1 can introduce the recommended insurance optimal for the user, and can provide an insurance contract service based on an accurate disease risk.

[Modification]
It should be noted that the present invention is not limited to the above-described embodiments, and modifications, improvements, and the like within the scope that can achieve the object of the present invention are included in the present invention.
In the above-described embodiment, an example in which the insurance premium of contracted insurance is reduced when the disease risk decreases in the insurance contract processing is not limited to this.
For example, a provider of a medical insurance product may set a maximum premium discount rate higher than normal or set an initial base premium lower than normal as an option at the time of insurance contract, and when the disease risk increases. A service for increasing the insurance premium may be provided. In this case, when the user selects the service when making a medical insurance product contract, a flag indicating that the service is selected is stored in association with the contracted insurance in the user management data. Then, the charge changing unit 235 determines whether the disease risk has decreased by a predetermined level or increased by a predetermined level in step S36 described above. When the disease risk level has decreased, the same processing as in the above embodiment is performed. To implement. On the other hand, when the disease risk level increases, the fee changing means 235 increases the insurance premium by a predetermined amount corresponding to the increased level.
By performing such processing, the user can maintain or improve his / her health so that the insurance premium is not increased, and the user's willingness to promote health can be further increased.

  In the above embodiment, the terminal device 10 performs component analysis of lipids, carbohydrates, proteins, and water based on the spectral image captured by the near-infrared imaging module 12, and calculates calories based on these contents. In addition, analysis of other components (nutrients) may be performed. In this case, you may memorize | store the component amount of these analyzed components in vital data as the intake amount of the nutrient which the user ingested. In this case, as the risk prediction data in the server storage unit 22, items for the intake amount of these nutrients are newly added. Thereby, the risk determination means 231 can determine the user's future disease risk in more detail based on the history of nutrients taken by the user.

As insurance introduction data stored in the server storage unit 22 of the server device 20, medical insurance products of a plurality of insurance companies may be recorded, and medical insurance of one insurance company (for example, an operator of the server device 20). Goods may be recorded.
When medical insurance products of a plurality of insurance companies are recorded, the recommended insurance optimal for the user can be selected from many medical insurance products in the insurance introduction process. In the insurance contract processing, the server device 20 transmits report data indicating that the insurance contract is applied to reduce the risk of illness to the insurer of the contracted insurance of the user, so that the insurance contract is sent to the insurance company. Can be encouraged.
On the other hand, if only one insurance company's medical insurance products are recorded, the insurance referral process cannot introduce multiple types of medical insurance products from other companies as recommended insurance. Then, processing such as immediately reflecting the discount rate of the insurance special contract can be performed, and the satisfaction of the user can be improved.

In the above embodiment, it is determined whether or not to introduce recommended insurance based on the premium of the user's contracted insurance and the premium of the selected recommended insurance. However, the present invention is not limited to this. For example, the insurance introduction unit 234 may introduce recommended insurance regardless of whether or not there is a contracted insurance.
Furthermore, although the example which increases / decreases the premium of a user's contracted insurance according to increase / decrease in the disease risk was demonstrated, it is not limited to this. For example, a fixed premium may be maintained regardless of the increase or decrease in disease risk. In addition, an example of reducing insurance premiums due to a decrease in illness risk has been shown. However, depending on the decrease in illness risk, for example, discounts on public transportation and other discounts when shopping at stores (for example, discounts on online shops) Code) or the like.

  In the above embodiment, an example is shown in which the disease risk is stored in the data format of the table data configuration shown in FIG. 4, but the present invention is not limited to this. For example, points indicating the probability of occurrence of each disease may be set for each element of calorie intake and vital data. In this case, the risk determination unit 231 may total points for each disease, for example, and may determine a risk level indicating a disease risk occurrence rate according to the total points.

  In addition, the specific structure for carrying out the present invention can be appropriately changed to another structure or the like as long as the object of the present invention can be achieved.

  DESCRIPTION OF SYMBOLS 1 ... Medical insurance introduction system, 2 ... Network, 5 ... Wavelength variable interference filter (spectral element), 10 ... Terminal device, 12 ... Near infrared imaging module (calorie measuring means), 13 ... Input part, 14 ... Display part, DESCRIPTION OF SYMBOLS 15 ... Terminal communication part, 16 ... Terminal storage part, 17 ... Terminal control part, 20 ... Server apparatus, 21 ... Server communication part, 22 ... Server storage part, 23 ... Server control part, 122 ... Light source part, 123 ... Imaging part , 171 ... Module control means (calorie measuring means), 172 ... Calorie calculating means (calorie measuring means), 173 ... Vital data acquisition means, 174 ... Data transmission / reception means, 175 ... Display control means, 231 ... Risk determination means, 232 ... Insurance selection means, 233 ... charge comparison means, 234 ... insurance introduction means, 235 ... charge change means.

Claims (8)

A medical insurance introduction system comprising a terminal device and a server device capable of communicating with the terminal device,
The terminal device
Terminal communication means capable of communicating with the server device;
A calorie measuring means for measuring the calories of food;
Vital data acquisition means for acquiring user vital data,
The server device is
Server communication means capable of communicating with the terminal device;
Storage means for storing disease risk for calorie intake and vital data, and medical insurance products for the disease risk;
Risk determination means for determining the disease risk based on the calorie ingested by the user transmitted from the terminal device and the vital data;
Insurance selection means for selecting a medical insurance product for the determined disease risk;
An insurance referral system for introducing the medical insurance product. In the medical insurance introduction system according to claim 1,
The server device is
Data storage means for storing the received calories and vital data;
A contracted insurance storage means for storing a contracted medical insurance product contracted by the user and an insurance premium of the contracted medical insurance product,
The risk determination means determines an increase or decrease in the disease risk based on the accumulated calories and the vital data,
The said server apparatus is provided with the charge change means which changes the insurance premium of the said contracted medical insurance product according to the increase / decrease in the determined said disease risk. The medical insurance referral system characterized by the above-mentioned. In the medical insurance introduction system according to claim 1 or claim 2,
The server device is
Contracted insurance storage means for storing a contracted medical insurance product with which the user has contracted and an insurance premium of the contracted medical insurance product;
A charge comparing means for comparing the insurance premium of the contracted medical insurance product with the insurance premium of the medical insurance product selected by the insurance selecting means;
The insurance introduction means introduces the medical insurance product when the insurance premium of the medical insurance product selected by the insurance selection means is lower than the insurance premium of the contracted medical insurance product. Insurance referral system. In the medical insurance introduction system according to any one of claims 1 to 3,
The calorie measuring means includes
A spectroscopic element that separates light of a predetermined wavelength from light reflected by the food;
An imaging unit that receives light dispersed by the spectroscopic element and captures a spectral image;
A medical insurance introduction system comprising: a calorie calculating unit that performs a component analysis of the food based on the spectral image and calculates the calories. In the medical insurance introduction system according to claim 4,
The spectroscopic element is a variable wavelength Fabry-Perot etalon element. Server communication means capable of communicating with the terminal device;
Storage means for storing disease risk for calorie intake and vital data, and medical insurance products for the disease risk;
Risk determination means for determining the disease risk based on the calorie ingested by the user transmitted from the terminal device and the vital data;
Insurance selection means for selecting a medical insurance product for the determined disease risk;
An insurance introduction means for introducing the medical insurance product. A terminal communication means capable of communicating with the server device;
A calorie measuring means for measuring the calories of food;
Vital data acquisition means for acquiring user vital data,
The terminal communication means transmits the calorie consumed by the user and the vital data to the server device, and corresponds to the disease risk determined based on the calorie consumed by the user and the vital data from the server device. A terminal device that receives referral data introducing medical insurance products. A medical insurance referral method in a medical insurance referral system comprising a terminal device configured by a computer and a server device configured to communicate with the terminal device and configured by a computer,
The terminal device
Measure the calories of food with calorie measuring means,
Get user vital data,
Sending the calorie consumed by the user and the vital data to the server device;
The server device is
Receiving the calorie and the vital data from the terminal device;
The disease risk is determined based on the calorie intake and vital data stored in the storage means, and the received calorie and vital data.
Selecting a medical insurance product for the determined disease risk based on data relating to the medical insurance product for the disease risk stored in the storage means;
A medical insurance referral method characterized by transmitting referral data that introduces the selected medical insurance product to the terminal device.

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