JP2018045703A - System, method, and program for managing proposal by adviser - Google Patents

Abstract

PROBLEM TO BE SOLVED: To increase user convenience in a service for managing a proposal by an adviser.SOLUTION: A proposal management system 10 according to an embodiment of the invention provides a proposal management service for managing a proposal to a user by an adviser through a user terminal 30 and an adviser terminal 40. The system 10 is configured to perform: processing for disclosing user information to a plurality of advisers in response to a request from a user; processing for presenting, to a user, proposal information to a user provided by an adviser; and processing for, in response to a request from a user, enabling predetermined communication between an adviser which has provided proposal information to a user and which is specified by the user and the user.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a system, method, and program for managing proposals by an advisor.

  Conventionally, systems for managing proposals to users (customers) by advisors such as experts have been provided. For example, Patent Literature 1 discloses a system in which an advisor belonging to an insurance company or the like makes a proposal regarding risk management such as injury / illness and death (for example, a proposal for an insurance product) to a user. In this system, an advisor creates a proposal based on user information (such as the contents of a current insurance policy) published via a web page, and the proposal is also provided to the user via the web page.

JP 2004-227019 A

  However, the above-described conventional system is merely a mechanism in which user information and a proposal by an advisor are merely exchanged via a web page, and is not a highly convenient mechanism for the user. For example, conventional systems do not adequately assist a user who is interested in a particular proposal to proceed with a consultation with the corresponding advisor. Therefore, it is desirable to improve the convenience of the user in the service that manages the proposal by the advisor.

  An object of the embodiment of the present invention is to improve the convenience of a user in a service for managing a proposal by an advisor. Other objects of the embodiments of the present invention will become apparent by referring to the entire specification.

  A system according to an embodiment of the present invention includes one or more computer processors, and is a system for managing proposals by an advisor, wherein the one or more computer processors respond to execution of a readable instruction. In response to a request from the user, a process of publishing the user information of the user to a plurality of advisors, a process of presenting proposal information for the user provided by the advisor to the user, and a request from the user In response, an advisor that provides proposal information for the user and that performs predetermined communication between the advisor specified by the user and the user is executed.

  A method according to an embodiment of the present invention is a method for managing proposals by an advisor, which is executed by one or a plurality of computers, and in response to a request from a user, the user information of the user is a plurality of advisors. Publishing proposal information for the user provided by the advisor to the user, and providing the proposal information for the user in response to a request from the user, specified by the user Enabling predetermined communication between the advised advisor and the user.

  A program according to an embodiment of the present invention is a program for managing proposals by an advisor, and is executed on one or a plurality of computers, in response to being executed by a user from the user. In response to a request, a process of publishing user information of the user to a plurality of advisors, a process of presenting proposal information for the user provided by the advisor to the user, and a request from the user, the user And a process that enables predetermined communication between the advisor specified by the user and the user.

  Various embodiments of the present invention improve user convenience in services that manage advisor proposals.

The block diagram which shows schematically the structure of the network containing the proposal management system 10 which concerns on one Embodiment of this invention. 1 is a block diagram schematically showing functions of a proposal management system 10. FIG. The figure which illustrates the information which the user information table 511 manages. The figure which illustrates the information which the advisor information table 512 manages. The figure which illustrates the information which the proposal information table 513 manages. The flowchart which shows an example of the process which the proposal management system 10 performs. The figure which illustrates the basic information input screen. The figure which illustrates the work condition input screen 62. The figure which illustrates the family structure input screen 64. The figure which illustrates the balance input screen 66. The figure which illustrates the life plan screen. The figure which illustrates the 1st intention information input screen. The figure which illustrates the 2nd intention information input screen. The figure which illustrates user search screen 90. The figure which illustrates user details screen 91. The figure which illustrates the proposal information input screen 92. The figure which illustrates the life plan screen 70 of the user who received proposal information. The figure which illustrates message list screen 73. The figure which illustrates message detail screen 74. The figure which illustrates the first message transmission screen 75. The figure which illustrates the chat screen. The figure which illustrates chat initial screen 93. The figure which illustrates the chat screen 94. The figure which illustrates the meeting schedule transmission screen 95. The figure which illustrates the meeting schedule acceptance screen 77. The figure which illustrates the chat screen 76 in which the information regarding a meeting schedule was reflected. The figure which illustrates the evaluation input screen.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  FIG. 1 is a configuration diagram schematically showing the configuration of a network including a proposal management system 10 according to an embodiment of the present invention. As shown in FIG. 1, the proposal management system 10 is communicably connected to a user terminal 30 and an advisor terminal 40 via a network 20 such as the Internet. The system 10 provides a proposal management service for managing proposals to users by the advisor via the user terminal 30 and the advisor terminal 40.

  The proposal management service in the present embodiment may be configured to manage proposals made by an advisor regarding various types of products or services (hereinafter sometimes referred to as “products etc.”). For example, in the proposal management service of the present embodiment, proposals for insurance products and the like by an advisor (for example, a financial planner) related to a life plan are managed, or proposals for real estate by an advisor related to real estate are managed.

  The system 10 is configured as a general computer, and as shown in FIG. 1, a CPU (computer processor) 11, a main memory 12, a user I / F 13, a communication I / F 14, a storage (storage device) 15), and these components are electrically connected via a bus or the like (not shown).

  The CPU 11 reads various programs stored in the storage 15 or the like into the main memory 12 and executes various instructions included in the programs. The main memory 12 is configured by, for example, a DRAM.

  The user I / F 13 includes various input / output devices for exchanging information with the user. The user I / F 13 includes, for example, an information input device such as a keyboard and a pointing device (for example, a mouse and a touch panel), a voice input device such as a microphone, and an image input device such as a camera. The user I / F 13 includes an information output device such as a display, and an audio output device such as a speaker.

  The communication I / F 14 is implemented as hardware such as a network adapter, various types of communication software, or a combination thereof, and is configured to realize wired or wireless communication via the network 20 or the like.

  The storage 15 is configured by, for example, a magnetic disk, a flash memory, or the like. The storage 15 stores various programs including an operating system, various data, and the like.

  In the present embodiment, the system 10 can be configured using a plurality of computers each having the hardware configuration described above. For example, the system 10 can be configured using one or a plurality of server devices.

  The proposal management system 10 configured as described above has a function as a web server and an application server, and responds to requests from a web browser or other applications installed in the user terminal 30 and the advisor terminal 40. This process is executed, and screen data (for example, HTML data) and control data corresponding to the result of the process are transmitted to the user terminal 30 and the advisor terminal 40. On the user terminal 30 and the advisor terminal 40, a web page or other screen based on the received data is displayed.

  The user terminal 30 is configured as a general computer, and as shown in FIG. 1, a CPU (computer processor) 31, a main memory 32, a user I / F 33, a communication I / F 34, and a storage (memory). Device) 35, and these components are electrically connected via a bus or the like (not shown).

  The CPU 31 reads various programs stored in the storage 35 and the like into the main memory 32 and executes various instructions included in the programs. The main memory 32 is configured by, for example, a DRAM.

  The user I / F 33 is various input / output devices for exchanging information with the user. The user I / F 33 includes, for example, an information input device such as a keyboard and a pointing device (for example, a mouse and a touch panel), a voice input device such as a microphone, and an image input device such as a camera. The user I / F 33 includes an information output device such as a display, and an audio output device such as a speaker.

  The communication I / F 34 is implemented as hardware such as a network adapter, various types of communication software, and combinations thereof, and is configured to realize wired or wireless communication via the network 20 or the like.

  The storage 35 is configured by, for example, a magnetic disk or a flash memory. The storage 35 stores various programs including the operating system, various data, and the like. The program stored in the storage 35 may include various applications downloaded and installed from the application market or the like.

  In the present embodiment, the user terminal 30 can be configured as a smartphone, a tablet terminal, a wearable device, a personal computer, or the like.

  A user who operates the user terminal 30 configured as described above performs proposal management provided by the system 10 by executing communication with the system 10 via a web browser or other application installed in the storage 35 or the like. You can use the service.

  The advisor terminal 40 is configured as a general computer similarly to the user terminal 30, and may be configured as, for example, a smartphone, a tablet terminal, a wearable device, or a personal computer. An advisor who operates the advisor terminal 40 can use the proposal management service provided by the system 10 by executing communication with the system 10 via a web browser or other application.

  Next, functions of the proposal management system 10 according to the present embodiment will be described. FIG. 2 is a block diagram schematically showing the functions of the system 10. As illustrated, the system 10 includes an information storage management unit 51 that stores and manages various information, a basic function control unit 52 that controls basic functions of the proposal management service, and a user information management unit 53 that manages user information. And a proposal management unit 54 that manages proposals by the advisor, and a communication management unit 55 that manages predetermined communication between the user and the advisor. These functions are realized by the cooperation of hardware such as the CPU 11 and the main memory 12 and various programs and data stored in the storage 15 and the like. For example, the functions are read into the main memory 12. This is realized by the CPU 11 executing instructions included in the program. 2 may be realized by the cooperation of the system 10 and the user terminal 30 or the advisor terminal 40, or may be realized by the user terminal 30 or the advisor terminal 40.

  The information storage management unit 51 of the system 10 stores and manages various information in the storage 15 and the like. For example, as illustrated in FIG. 2, the information storage management unit 51 manages a user information table 511 that manages information about a user, an advisor information table 512 that manages information about an advisor, and information about a proposal provided by the advisor. And a proposal information table 513.

  The basic function control unit 52 of the system 10 executes various processes related to the control of the basic function of the proposal management service. For example, the basic function control unit 52 transmits HTML data or control data of various screens related to the basic function to the user terminal 30 or the advisor terminal 40, and the user through the screen displayed on the user terminal 30 or the advisor terminal 40. Alternatively, various processes are executed in response to an operation input by the advisor, and HTML data or control data corresponding to the result of the process is transmitted to the user terminal 30 or the advisor terminal 40. The basic functions controlled by the basic function control unit 52 include, for example, new account registration and login authentication.

  The user information management unit 53 of the system 10 executes various processes related to user information management. For example, the user information management unit 53 publishes part or all of the user information of the user to a plurality of advisors in response to a request from the user. Specifically, for example, when user information disclosure is requested via a screen displayed on the user terminal 30, the user information management unit 53 sets a plurality of pieces of user information managed in the user information table 511. Publish to advisors. When the user information is disclosed, the user information management unit 53 displays a screen including the user information on the advisor terminal 40 in response to a request from the advisor, for example. It can also be said that the process of disclosing user information is a process of permitting access to user information by an advisor.

  The proposal management unit 54 of the system 10 executes various processes related to management of proposals by the advisor. For example, the proposal management unit 54 presents proposal information provided by the advisor to the corresponding user. Specifically, the proposal management unit 54 registers, for example, proposal information input via a screen displayed on the advisor terminal 40 in the proposal information table 513, and receives the proposal information in response to a request from the user. The screen including this is displayed on the user terminal 30.

  The communication management unit 55 of the system 10 executes various processes related to management of predetermined communication between the user and the advisor. For example, in response to a request from the user, the communication management unit 55 is an advisor that provides proposal information for the user, and enables predetermined communication between the advisor specified by the user and the user. Specifically, for example, in response to a request for starting a predetermined communication with a specific advisor via a screen displayed on the user terminal 30, the communication management unit 55 determines whether the communication between the specific advisor and the user. Enables predetermined communication.

  As described above, the proposal management system 10 according to the present embodiment performs predetermined communication between the advisor specified by the user and the user among the advisors who provided the proposal information to the user whose user information has been disclosed. Since it is configured to be possible, the user can proceed with consultation with the advisor through the predetermined communication. Moreover, since the predetermined communication is possible with the advisor specified by the user among the advisors who provided the proposal information, communication from the advisor unnecessary for the user is suppressed.

  The predetermined communication in the present embodiment includes communication by various means and is not particularly limited, but includes, for example, text chat. In this case, the communication management unit 55 is configured to enable text chat between the advisor specified by the user and the user. Specifically, for example, the communication management unit 55 creates a chat room for performing the text chat in response to a request from the user. Creation of the chat room may involve sending a first message from the user to the advisor.

  In the present embodiment, the user information is information about the user, and may include various information that can be referred to when the advisor creates proposal information. For example, the user information includes the user's intention with respect to the proposal information. In this case, the user information management unit 53 responds to an advisor corresponding to the user's intention with respect to the proposal information included in the user information among a plurality of advisors. It may be configured to publish user information. In the case where the proposal management service handles a proposal for an insurance product, the intention for the proposal information is, for example, the type of insurance product (life insurance or non-life insurance). The correspondence relationship between the classification of the proposal information and the advisor is managed, for example, in the advisor information table 512. Such a configuration facilitates disclosure of user information (request for proposal) to an advisor that suits the user's intention, and as a result, disclosure of user information to unnecessary advisors is suppressed.

  Further, the user information management unit 53 may be configured to identify a user classification (segment) based on the user information and present reference information corresponding to the identified classification to the user and / or the advisor. The reference information is, for example, information that is helpful when considering a product or the like to be proposed, and includes, for example, the purchase status (for example, a specific type of insurance participation rate) of the product or the like for each user classification. Such a configuration supports the examination of products and the like by the user and the creation of proposals by the advisor.

  Further, the user information management unit 53 can be configured to present additional user information to the advisor according to the progress of the proposal to the user. The progress of the proposal includes, for example, at least a part of “Before Proposal”, “Completion of Proposal”, “Start of Predetermined Communication”, “Promise of Visit”, and “Perform Visit”. For example, the user information management unit 53 presents additional user information to an advisor who has started predetermined communication with the user. In addition, for example, the user information management unit 53 presents additional user information to an advisor in which an appointment with a user is registered. The additional user information includes, for example, the user's personal information (name, address, telephone number, e-mail address, SNS account, etc.). That is, the user information management unit 53 publishes user information that does not include personal information to a plurality of advisors in response to a request from the user, and presents personal information to the corresponding advisors according to the progress of the proposal to the user. Can be configured as follows. Such a configuration suppresses unnecessary disclosure of important information such as personal information.

  The proposal management unit 54 may be configured to charge a predetermined fee to the advisor when the progress of the proposal to the user reaches a predetermined stage. In this case, the predetermined stage can be set for each advisor. That is, for the first advisor, the proposal management unit 54 charges a predetermined fee when the progress of the proposal reaches the first stage (for example, the stage where the predetermined communication is started), and the second advisor The advisor may be configured to charge a predetermined fee when the progress of the proposal enters a second stage (eg, the stage at which a visit appointment is registered). In addition, a predetermined fee may be charged for one advisor multiple times according to the progress of the proposal (for example, when the proposal is completed, when predetermined communication is started, and when an appointment is made) The predetermined fee may be charged at each of the registered stages.) Further, the predetermined fee may be configured to change according to the progress of the proposal. For example, the predetermined fee in the case of being charged in the first stage is set to be lower than the predetermined fee in the case of being charged in the second stage advanced from the first stage. The predetermined fee may be referred to as a user introduction fee for the advisor. Such a configuration allows a flexible billing system for advisors.

  Furthermore, instead of, or in addition to, charging according to the progress of such proposals, the advisor is charged a fee according to the number of proposals that can be made in a predetermined period (for example, the number of proposals possible per month). Anyway. For example, among the first rate plan with 30 proposals / month, the second rate plan with 100 proposals / month, and the third rate plan with unlimited proposals The advisor may be able to select a desired rate plan.

  In addition, the proposal management unit 54 may be configured to manage evaluations of advisors by users. In this case, the proposal management unit 54 may be configured to present the evaluation of the advisor who provided the proposal information when the proposal information is presented to the user. Such a configuration supports the examination of proposal information by the user.

  Next, operation | movement of the proposal management system 10 of this embodiment which has such a function is demonstrated using a specific example. The proposal management service provided by the system 10 of this specific example manages proposals of insurance products and the like by an advisor such as a financial planner.

  FIG. 3 illustrates information managed by the user information table 511 in this example. The user information table 511 is information related to a user's life plan in association with a “user ID” that identifies an individual user as shown in FIG. Information such as “life plan related information” and “intention information” that is information related to the user's intention with respect to the proposal by the advisor is managed.

  FIG. 4 illustrates information managed by the advisor information table 512 in this example. The advisor information table 512 manages information related to the advisor using the proposal management service, and as shown in the figure, the advisor information table 512 is associated with an “advisor ID” for identifying an individual advisor, and the types of insurance products that can be supported by this advisor. Information such as “corresponding insurance type” to be displayed, “evaluation information” that is information related to evaluation by the user for this advisor, and “billing information” that is information related to charging for this advisor are managed.

  FIG. 5 illustrates information managed by the proposal information table 513 in this example. The proposal information table 513 manages information related to the proposal provided by the advisor, and as shown in the drawing, the proposal information table 513 is associated with a “suggest ID” that identifies an individual proposal, and identifies a “proposer” Information such as “Advisor ID”, “Proposal user ID” for identifying the user who is the proposal destination, “Proposal information” indicating the content of the proposal itself, “Meeting schedule information” which is information regarding the schedule of the meeting between the user and the advisor, etc. to manage.

  Next, the operation of the proposal management system 10 in this specific example will be described. FIG. 6 is a flowchart showing an example of processing executed by the proposal management system 10 in this example. First, as shown in the figure, the user's life plan related information is accepted (step S100). The life plan related information is received via a screen displayed on the user terminal 30.

  FIG. 7 illustrates a basic information input screen 60 for inputting user basic information that is a part of life plan related information. The basic information input screen 60 is a screen initially displayed when the user uses the proposal management service for the first time. As shown in the figure, the basic information input screen 60 includes, as basic user information, gender, birth date, residential area, housing type (owned / rented), presence / absence of a car, presence / absence of a spouse, and presence / absence of children. It is configured to allow input.

  When the continue button 601 on the basic information input screen 60 is selected, a work status input screen 62 illustrated in FIG. 8 is displayed. The work status input screen 62 is a screen for inputting a user's work status which is a part of life plan related information. As shown in the drawing, the work status input screen 62 is configured to allow the user to input occupation, retirement time, presence / absence of retirement allowance, and years of service as the user's work status.

  When the continue button 621 on the work status input screen 62 is selected, a family composition input screen 64 illustrated in FIG. 9 is displayed. The family structure input screen 64 is a screen for inputting a user's family structure that is a part of the life plan related information. As shown in the figure, the family composition input screen 64 is configured so that the birth date of the spouse, the occupation of the spouse, and the birth date of one or more children can be entered as the family structure of the user. .

  When the continue button 641 on the family composition input screen 64 is selected, a balance input screen 66 illustrated in FIG. 10 is displayed. The balance input screen 66 is a screen for inputting information related to the user's income and expenditure, which is a part of the life plan related information. As shown in the drawing, the income and expenditure input screen 66 is configured to allow input of annual income, housing expenses, living expenses, and life style after retirement.

  When a confirmation button 661 located at the lower end of the balance input screen 66 and displayed as “view life plan” is selected, the input of life plan related information is confirmed, and the system 10 accepts the life plan related information ( Step S100 in FIG. 6). With the reception of the life plan related information, the life plan related information is registered in the user information table 511.

  FIG. 11 illustrates a life plan screen 70 displayed in response to the selection of the confirmation button 661 on the balance input screen 66. The life plan screen 70 is a screen that becomes a starting point when the user uses the proposal management service. After the life plan related information is input at the first use, the life plan screen 70 is used at the second and subsequent uses. Is initially displayed. As shown in the figure, the life plan screen 70 is located in the upper left corner, an additional menu object 80 for displaying an additional menu, an information display area 701 for displaying information on the life plan, and a lower right corner of the information display area 701. It has a consultation button 702 that is located and displayed as “consult”, and a basic menu area 82 that is located at the lower end of the screen.

  The information display area 701 displays information about the life plans of the user “until retirement” and “after retirement” in a tab form so as to be switchable. The information on the life plan includes a graph expressing changes in income and expenditure in time series, a balance of balance, and the like. In this example, the information display area 701 displays reference information based on life plan related information input by the user. The reference information is information that is helpful when the user considers insurance products and the like, and is information corresponding to the classification (segment) of the user based on the life plan related information. For example, the reference information includes an enrollment rate for each type of insurance of a user who belongs to the same category as the user (a user whose life plan related information is similar), and an average balance status. The reference information includes information related to recommended insurance products and the like automatically specified based on life plan related information.

  The basic menu area 82 includes a risk management menu 821, a life plan menu 822, a security management menu 823, and a message menu 824. The risk management menu 821 is a menu for managing the security status for each risk of death, inability to work, and illness / injury. The life plan menu 822 is a menu for displaying the life plan screen 70. The security management menu 823 is a menu for managing the insurance that has already been subscribed. The message menu 824 is a menu for managing messages (suggestions) from the advisor.

  Returning to the flowchart of FIG. 6, when the life plan related information is accepted, the user's intention information is accepted (step S110). FIG. 12 illustrates a first intention information input screen 71 for inputting a part of the user's intention information. The first intention information input screen 71 is displayed in response to selection of the consultation button 702 on the life plan screen 70. As shown in the figure, the first intention information input screen 71 includes, as part of the user's intention information, the insured person, the beneficiary of the insurance money, the monthly payable amount, and the thing to be emphasized (insurance premium, saving ability) , And a plurality of guarantees, etc.).

  When the continue button 711 on the first intention information input screen 71 is selected, a second intention information input screen 72 illustrated in FIG. 13 is displayed. As shown in the figure, the second intention information input screen 72 is configured to select a risk (lifestyle illness, hospitalization, children's educational expenses, care, etc.) to be examined as part of the user's intention information. ing.

  When the confirmation button 721 positioned at the lower end of the second intention information input screen 72 and displayed as “Request Pro” is selected, the input of the intention information is confirmed, and the system 10 accepts the intention information (see FIG. 6 step S110). As the intention information is received, the intention information is registered in the user information table 511.

  Returning to the flowchart of FIG. 6, when the user's intention information is received, the user information is then released to the advisor (step S120). Specifically, when intention information is registered in the user information table 511, a search by the corresponding user's advisor becomes possible.

  FIG. 14 illustrates a user search screen 90 displayed on the advisor terminal 40. As shown in the figure, the user search screen 90 includes a search button 901 displaying “search condition” and a list display area 902 for displaying a list of users. A menu area 100 is arranged on the left side of the user search screen 90. The menu area 100 includes a user search menu 101, a proposal history menu 102, a schedule menu 103, a payment amount menu 104 for this month, and a chat menu 105. The user search screen 90 is displayed in response to selection of the user search menu 101.

  Here, at the upper end of the menu area 100, “the number of proposals possible this month” is displayed. In this example, the number of proposals that an advisor can offer in a month is limited. In the example of FIG. 14, the number of proposals that can be provided in one month is limited to 30, and the number of remaining proposals that can be provided in the current month is 12 (that is, 18 proposals have already been provided). ). The proposal history by the advisor is referred to via the proposal history menu 102. As described above, by limiting the number of proposals of the advisor, it is possible to suppress the deterioration of the quality of the proposal provided to the user.

  A search button 901 is a button for setting user search conditions. A list display area 902 displays a list of users who meet the set search conditions. Specifically, the list display area 902 includes user ID, occupation, age, gender, residential area, household annual income, existence of spouse, number of children, life plan related information, part of intention information, and The number of proposals received is displayed. Part of the intention information displayed in the list display area 902 is a risk that the user wants to consider, which is input via the second intention information input screen 72 described above. It should be noted that “free” is displayed for a user whose risk to be examined has not been input.

  Here, it is also possible to restrict the advisor who discloses the user information based on the user intention information. Specifically, for example, user information is disclosed only to an advisor who handles an insurance product corresponding to a risk that the user inputs through the second intention information input screen 72 wants to consider (makes the user searchable). May be. Information on the types of insurance products handled by the advisor is managed in the corresponding insurance type in the advisor information table 513.

  When the advisor selects any user displayed in the list display area 902, a user detail screen 91 illustrated in FIG. 15 is displayed. The user detail screen 91 includes a proposal button 911 displayed as “Propose” and a detail display area 912 for displaying details of user information, and the menu area 100 described above is arranged on the left side. Specifically, the detailed display area 912 displays intention information and life plan related information registered in the user information table 511. In the detail display area 912, reference information displayed on the user life plan screen 70 may be displayed. The advisor creates proposal information by referring to the information displayed on the user detail screen 91.

  Returning to the flowchart of FIG. 6, when the user information is disclosed to the advisor, the proposal information by the advisor is received and presented to the user (step S130). FIG. 16 exemplifies a proposal information input screen 92 for an advisor to input proposal information. The proposal information input screen 92 is displayed in response to selection of the proposal button 911 on the user detail screen 91.

  As shown in the figure, the proposal information input screen 92 is a transmission button 921 displayed as “Send”, a comment input area 922 for inputting a comment for the user, and information for inputting the insurance product to be proposed. And a product information input area 923. Specifically, the product information input area 923 is configured so that information such as an insurance company, a product name, a main contract, an insurance premium, an insurance amount, and the like can be input, and an attached file can be attached. Furthermore, the product information input area 923 is configured to be able to input information on a plurality of insurance products by adding tabs. Thus, in this example, a plurality of insurance products can be included in one proposal.

  When the transmission button 921 on the proposal information input screen 92 is selected, the input of the proposal information is confirmed, and the system 10 receives the proposal information. As the proposal information is received, the proposal information is registered in the proposal information table 513.

  FIG. 17 illustrates a life plan screen 70 displayed on the user terminal 30 of the user who has received the proposal information from the advisor. As shown in the figure, an object N for notifying the number of unread messages (suggested information) is displayed on the message menu 825 in the basic menu area 82. The user can know reception of new proposal information by referring to the object N. In addition, you may make it notify a user of reception of proposal information via another screen or push notification.

  When the user selects the message menu 825, a message list screen 73 illustrated in FIG. 18 is displayed. As shown in the figure, the message list screen 73 includes a list display area 731 for displaying a list of messages (suggested information), and the additional menu object 80 and the basic menu area 82 described above. Specifically, the list display area 731 displays information about the advisor, information about the message, a part of the message, and the transmission date / time of the message (also referred to as the proposal date / time).

  The information related to the advisor displayed in the list display area 731 includes evaluation information (a numerical value adjacent to the star-shaped figure in FIG. 18) in addition to the advisor image, name, and company name. The evaluation information is managed in the advisor information table 512, and will be described later in detail, but is an average value of five levels of evaluation by each of a plurality of users.

  When any message displayed in the list display area 731 of the message list screen 73 is selected, a message detail screen 74 illustrated in FIG. 19 is displayed. The message detail screen 74 displays information about the advisor, the entire message, and information about the insurance product proposed by the advisor, and a continuation button 741 labeled “Listen to details” is arranged at the bottom of the screen. Yes. The message is a comment input via the comment input area 922 of the proposal information input screen 92. As described above, the proposal information provided by the advisor is presented to the user via the message detail screen 74.

  Returning to the flowchart of FIG. 6, when the proposal information is presented to the user, a text chat is started between the advisor selected by the user and the user (step S140). In this example, when starting a text chat, the user selects the continue button 741 on the message detail screen 74.

  When the continue button 741 is selected, an initial message transmission screen 75 illustrated in FIG. 20 is displayed. The first message transmission screen 75 has a message selection area 751 as shown in the figure. The message selection area 751 is configured so that a message to be sent to the advisor can be selected from a plurality of message templates. Specifically, “Can you contact me for details? ? "," I'm interested in the content of the proposal ", and" I have a point I don't know about the proposal. "

  When any message is selected via the message selection area 751, the selected message is transmitted to the advisor, and a text chat between the advisor and the user is started. FIG. 21 illustrates a chat screen 76 displayed on the user terminal 30 in response to the transmission of the first message via the message selection area 751 of the first message transmission screen 75. The chat screen 76 is a screen for performing a text chat with the advisor, and includes a chat display area 761 for displaying the contents of the chat, a message input area 762, and a send button 763, as shown in the figure. Since the screen configuration of the chat screen 76 is the same as that of a general text chat screen, further detailed description is omitted. Starting a text chat can also be called creating a chat room.

  FIG. 22 illustrates a chat initial screen 93 displayed on the advisor terminal 40. Chat initial screen 93 is displayed in response to selection of chat menu 105 in menu area 100. The chat initial screen 93 has a list display area 931 for displaying a list of chat rooms, and the menu area 100 described above is arranged on the left side. It can be said that the list display area 931 is an area in which the advisor displays a list of users who have started text chatting. Specifically, the list display area 931 displays information on the corresponding user (gender, user ID, occupation, residence area, age, etc.) and a part of the latest message as information on the chat room.

  When any chat room (user) displayed in the list display area 931 of the chat initial screen 93 is selected, a chat screen 94 illustrated in FIG. 23 is displayed. The chat screen 94 is a screen for performing a text chat with the user. As shown in the figure, a chat display area 941 for displaying the contents of the chat, a message input area 942, and “Send” are displayed. The above-mentioned menu area 100 is arranged on the left side.

  Returning to the flowchart of FIG. 6, when the text chat is started, the meeting schedule is registered (step S150). The meeting schedule setting button 944 on the chat screen 94 is a button for the advisor to set a meeting schedule with the user. When the meeting schedule setting button 944 is selected, a meeting schedule transmission screen 95 illustrated in FIG. 24 is displayed. As shown in the drawing, the scheduled visit transmission screen 95 is configured so that the scheduled date, start time, end time, and location of the visit can be input. When the transmission button 951 is selected, the input of the meeting schedule is confirmed.

  FIG. 25 illustrates a meeting schedule acceptance screen 77 displayed on the user terminal 30. The meeting schedule acceptance screen 77 is displayed in response to the confirmation of the input of the meeting schedule, and is displayed, for example, via a notification on the life plan screen 70 or the like or a push notification. As shown in FIG. 25, the meeting schedule acceptance screen 77 is configured to display the meeting schedule (date and time and location) transmitted from the advisor and to input the user's name and contact information. And a reject button 772 displayed as “reject”. When the user inputs the name and contact information and selects the accept button 771, the meeting schedule is confirmed. When the user selects the reject button 772, the meeting schedule is canceled. When the meeting schedule is confirmed, the meeting schedule is registered (step S150 in FIG. 6). Specifically, the meeting schedule information in the proposal information table 513 is set. As described above, in this example, the personal information (name and contact information) of the user is presented to the advisor when the meeting schedule is registered, and is not disclosed to the advisor until then.

  In this example, when the meeting schedule is confirmed, information regarding the confirmed meeting schedule is reflected in the chat. FIG. 26 illustrates a chat screen 76 in which information related to the meeting schedule is reflected. As shown in the figure, an object O1 indicating that the meeting has been confirmed and displaying information related to the meeting schedule is displayed in the chat display area 761. The advisor can also refer to the user's meeting schedule via the schedule menu 103 in the menu area 100 of each screen.

  Returning to the flowchart of FIG. 6, when the meeting schedule is registered, the advisor is charged for the introduction fee (step S160). Specifically, a predetermined amount as a user introduction fee is charged to the advisor and reflected (added) to the charging information in the advisor information table 513. Note that the advisor can also refer to the total billing amount for the current month via the payment amount menu 104 for this month in the menu area 100 of each screen.

  When the introduction fee is charged, the evaluation for the advisor by the user is accepted (step S170). Acceptance of an evaluation for the advisor is performed via an evaluation input screen 78 displayed on the user terminal 30. FIG. 27 illustrates an evaluation input screen 78. The evaluation input screen 78 can be displayed on the day following the registered scheduled visit date, and is displayed, for example, via a notification on the life plan screen 70 or the like, a push notification, or the like.

  As shown in FIG. 27, the evaluation input screen 78 displays information related to the advisor, and includes an evaluation input area 781 for inputting five levels of evaluation, and a transmission button 782. When the transmission button 782 is selected, the evaluation input via the evaluation input area 781 is transmitted and reflected in the evaluation information of the advisor information table 513.

  In the above example, the referral fee is charged to the advisor at the stage when the meeting schedule is registered, but the stage where the advisor is charged (progress progress) is not limited to this. For example, You may make it charge at other stages, such as the stage where the text chat was started. Further, as described above, the introduction fee may be charged at a different stage for each advisor (which can be managed in the advisor information table 512). Further, as described above, it is possible to charge a plurality of times according to the progress of the proposal, or to prepare a plurality of rate plans with different numbers that can be proposed in a predetermined period.

  The proposal management system 10 according to the present embodiment described above is a predetermined communication between an advisor identified by the user and the user among the advisors who have provided the proposal information to the user whose user information has been disclosed ( For example, since it is configured to enable text chat), the user can proceed with consultation with the advisor through the predetermined communication. Moreover, since the predetermined communication is possible with the advisor specified by the user among the advisors who provided the proposal information, communication from the advisor unnecessary for the user is suppressed. As described above, the embodiment of the present invention improves the convenience of the user in the service for managing the proposal by the advisor.

  In other embodiments of the present invention, transactions such as insurance products themselves can be managed in the proposal management system 10. In this case, a reward corresponding to the occurrence of the transaction of the product or the like can be set for the advisor and the provider of the proposal management service.

  The processes and procedures described in this specification are implemented by software, hardware, or any combination thereof other than those explicitly described. For example, the processes and procedures described in this specification are realized by mounting logic corresponding to the processes and procedures on a medium such as an integrated circuit, a volatile memory, a nonvolatile memory, and a magnetic disk. The processing and procedure described in this specification can be implemented as a computer program corresponding to the processing / procedure and executed by various computers.

  Even if the processes and procedures described herein are described as being performed by a single device, software, component, or module, such processes or procedures may be performed by multiple devices, multiple software, multiple Component and / or multiple modules. Also, the software and hardware elements described herein can be implemented by integrating them into fewer components or by disassembling them into more components.

  In the present specification, when the constituent elements of the invention are described as one or a plurality, or when they are described without being limited to one or a plurality of cases, they should be interpreted separately in context. The component may be either singular or plural.

DESCRIPTION OF SYMBOLS 10 Proposal management system 20 Network 30 User terminal 40 Advisor terminal 51 Information storage management part 511 User information table 512 Advisor information table 513 Proposal information table 52 Basic function control part 53 User information management part 54 Proposal management part 55 Communication management part 60 Basic information Input screen 62 Work status input screen 64 Family structure input screen 66 Balance input screen 70 Life plan screen 71 First intention information input screen 72 Second intention information input screen 73 Message list screen 74 Message detail screen 75 Initial message transmission screen 76 Chat screen 77 Meeting Schedule Acceptance Screen 78 Evaluation Input Screen 90 User Search Screen 91 User Details Screen 92 Proposal Information Input Screen 93 Chat Initial Screen 94 Chat Screen 95 Meeting Schedule Transmission Screen

Claims (10)

A system comprising one or more computer processors for managing proposals by an advisor,
The one or more computer processors are responsive to execution of readable instructions,
In response to a request from a user, a process of releasing the user information of the user to a plurality of advisors;
A process of presenting proposal information for the user provided by the advisor to the user;
In response to a request from the user, an advisor that provides proposal information for the user, and performs processing that enables predetermined communication between the advisor specified by the user and the user.
system.   The system of claim 1, wherein the predetermined communication includes a text chat. The system according to claim 1 or 2, wherein
The user information includes a user's intention for proposal information,
The process of publishing the user information includes publishing the user information to an advisor corresponding to a user's intention with respect to proposal information included in the user information.
system.   The one or more computer processors further execute a process of specifying a classification of the user based on the user information and presenting reference information corresponding to the specified classification to the user and / or the advisor. One to three systems.   The system according to any one of claims 1 to 4, wherein the one or more computer processors further execute a process of presenting additional user information to an advisor according to a progress of a proposal to the user.   The system according to any one of claims 1 to 5, wherein the one or more computer processors further execute a process of charging a predetermined fee to the advisor when the progress of the proposal to the user reaches a predetermined stage.   The system according to claim 6, wherein the predetermined stage is set for each advisor. The system according to any one of claims 1 to 7,
The one or more computer processors further execute a process for managing evaluation of the advisor by the user,
The process of presenting the proposal information includes presenting an evaluation of a corresponding advisor.
system. A method for managing proposals made by an advisor, executed by one or more computers, comprising:
Publishing user information of the user to a plurality of advisors in response to a request from the user;
Presenting the user with proposal information for the user provided by the advisor;
An advisor that provides proposal information to the user in response to a request from the user and enables predetermined communication between the advisor specified by the user and the user;
Method. A program for managing advisor proposals,
In response to being executed on one or more computers, the one or more computers,
In response to a request from a user, a process of releasing the user information of the user to a plurality of advisors;
A process of presenting proposal information for the user provided by the advisor to the user;
In response to a request from the user, an advisor that has provided proposal information to the user and that allows the predetermined communication between the advisor specified by the user and the user to be executed.
program.

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