JP2020204791A - Proposal apparatus, proposal method and proposal program - Google Patents

Abstract

To provide a proposal apparatus, a proposal method and a proposal program capable of proposing an appropriate insurance product to a user.SOLUTION: A proposal apparatus according to the present application includes a selection unit and a proposal unit. The selection unit selects an insurance product in which a user can contract based on user's genetic information. The proposal unit proposes the insurance product selected by the selection unit on a notification screen for notifying the user of an analysis result of the genetic information.SELECTED DRAWING: Figure 3

Description

The present invention relates to a proposed device, a proposed method and a proposed program.

Conventionally, for example, there is a technique for proposing an insurance product that meets the needs of a user. In such a technique, an insurance product according to a priority specified by a user is proposed (see, for example, Patent Document 1).

Japanese Unexamined Patent Publication No. 2001-357211

However, the prior art only proposes an insurance product that meets the user's wishes, and there is room for improvement in proposing an appropriate insurance product.

The present application has been made in view of the above, and an object of the present application is to provide a proposal device, a proposal method, and a proposal program capable of proposing an appropriate insurance product to a user.

The proposal device according to the present application includes a selection unit and a proposal unit. The selection unit selects an insurance product that the user can contract based on the genetic information of the user. The proposal unit proposes the insurance product selected by the selection unit on the notification screen for notifying the user of the analysis result of the genetic information.

According to one aspect of the embodiment, it is possible to propose an appropriate insurance product to the user.

FIG. 1 is an explanatory diagram of information processing according to an embodiment. FIG. 2 is a diagram showing a configuration example of the proposed system according to the embodiment. FIG. 3 is a diagram showing a configuration example of the proposed device according to the embodiment. FIG. 4 is a diagram showing an example of the insurance product information storage unit according to the embodiment. FIG. 5 is a diagram showing an example of the contract condition storage unit according to the embodiment. FIG. 6 is a diagram showing an example of the discount condition information storage unit according to the embodiment. FIG. 7 is a diagram showing an example of a notification screen according to the embodiment. FIG. 8 is a flowchart showing an example of the information processing procedure according to the embodiment. FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the proposed device.

Hereinafter, the proposed apparatus, the proposed method, and the embodiment for implementing the proposed program (hereinafter referred to as “the embodiment”) according to the present application will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the proposed device, the proposed method, and the proposed program according to the present application.

[1. Information processing]
The information processing realized by the proposed device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of information processing according to an embodiment. In the example shown in FIG. 1, the proposal system 1 includes a proposal device 100, an insurer terminal 10, and a user terminal 20. Further, in the example of FIG. 1, a case where the proposed system 1 includes an analysis company 200 that analyzes the genetic information of the user U1 is shown.

In the proposal system 1, the proposal device 100, the insurance company terminal 10, and the user terminal 20 are connected to each other so as to be communicable by wire or wirelessly via a predetermined communication network (not shown). The proposal system 1 shown in FIG. 1 may include a plurality of proposal devices 100, a plurality of insurer terminals 10, and a plurality of user terminals 20.

The proposal device 100 shown in FIG. 1 provides a platform for mediating insurance product contracts between each insurer A1 and user U1. The proposal device 100 is a server device that manages information about the insurer A1 from the insurer terminal 10 used by the insurer A1 and proposes an insurance product according to the user U1 to the user terminal 20 used by the user U1. For example, the proposal device 100 stores information about the insurance product received from the insurance company terminal 10 in the insurance product information storage unit 121. In the present embodiment, the type of insurance product is not particularly limited, and examples thereof include medical insurance, life insurance, and endowment insurance.

The insurer terminal 10 shown in FIG. 1 is a terminal device used by the insurer A1. For example, the insurer terminal 10 is a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a mobile phone, a PDA (Personal Digital Assistant), or the like. In the example shown in FIG. 1, the insurer terminal 10 is a tablet terminal used by the insurer A1.

The user terminal 20 shown in FIG. 1 is a terminal device used by the user U1 who is the subject who requested the analysis of the genetic information. For example, the user terminal 20 is a desktop PC, a notebook PC, a tablet terminal, a mobile phone, a PDA, or the like. In the example shown in FIG. 1, the user terminal 20 is a tablet terminal used by the user U1.

Hereinafter, the information processing performed by the proposed device 100 will be described with reference to FIG. First, the proposal device 100 registers information about the insurance product provided by the insurance company A1 from the insurance company terminal 10 used by the insurance company A1 (step S11). For example, in the example of FIG. 1, the proposal device 100 stores the information input from the insurance company terminal 10 in the insurance product information storage unit 121. The registration process in step S11 shall be performed at any time based on the request from the insurer A1.

Here, the insurance product information storage unit 121 stores contract conditions for each insurance product, information on prices, and the like. An example of the information stored in the insurance product information storage unit 121 will be described later with reference to FIG.

Subsequently, the user U1 sends a sample to the analysis company 200 (step S12) and requests the analysis of the genetic information. For example, the sample is saliva of user U1, but other samples may be used as long as genetic information can be analyzed, such as blood, hair, skin, and mucous membrane.

At this time, the user U1 answers the questionnaire (questionnaire) designated by the analysis company 200. For example, such interviews include a lifestyle-related questionnaire and a medical history questionnaire. The analysis company 200 analyzes the genetic information of the user U1 based on the sample sent from the user U1 and the result of the interview (step S13).

Subsequently, the analysis company 200 notifies the proposal device 100 of the analysis result of the gene information (step S14). Such analysis results include, for example, information on the health risk of the user U1, information on the constitution of the user U1, information on the potential ability of the user U1 regarding learning ability, athletic ability, and the like. That is, the analysis result of the genetic information includes various information regarding the innate characteristics of the user U1. The genetic information may include, for example, information related to the genetic code such as the base sequence and amino acid sequence of user U1.

Subsequently, the proposal device 100 selects an insurance product that the user U1 can contract based on the analysis result of the genetic information (step S15). In other words, the proposal device 100 performs matching processing between the analysis result of the genetic information and the insurance product.

Subsequently, the proposal device 100 proposes the insurance product to the user U1 by notifying the user terminal 20 of the information about the insurance product that the user U1 can contract (step S16). Here, the proposal device 100 proposes an insurance product on a notification screen for notifying the user U1 of the analysis result of the gene information, as will be described later. That is, the insurance product is proposed to the user U1 together with the notification screen of the analysis result of the genetic information.

The user U1 determines whether or not a contract for an insurance product is necessary based on the information about the insurance product proposed by the proposal device 100, and when it determines that the contract is necessary, operates the user terminal 20 and operates the user terminal 20 via the proposal device 100. Then, the insurance product contract procedure is performed (step S17).

Then, the proposal device 100 notifies the insurer terminal 10 of the contractor information regarding the user U1 (step S18). After that, an insurance product contract is made between the insurance company A1 and the user U1 via the proposal device 100.

In this way, the proposal device 100 selects an insurance product for the user U1 based on the genetic information of the user U1, and proposes the selected insurance product together with the analysis result of the genetic information. That is, the proposal device 100 can contract the user U1 based on not only the current health condition but also the innate health risk by selecting the insurance product that the user U1 can contract based on the genetic information. It becomes possible to select insurance products.

Therefore, according to the proposal device 100, it is possible to propose an appropriate insurance product. Further, the proposal device 100 proposes an insurance product together with the analysis result of the genetic information of the user U1, so that the user U1 can select the insurance product to be subscribed based on the analysis result. This makes it possible to encourage the user U1 to take out insurance products.

[2. Configuration of the proposed system]
Next, the proposed system 1 for realizing the above-mentioned information processing will be described with reference to FIG. FIG. 2 is a diagram showing a configuration example of the proposed system according to the embodiment. As shown in FIG. 2, the proposal system 1 according to the embodiment includes a proposal device 100, an insurer terminal 10, and a user terminal 20. The proposed device 100, the insurer terminal 10, and the user terminal 20 are connected to each other via a network N so as to be able to communicate with each other by wire or wirelessly. The network N is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), a telephone network (mobile telephone network, fixed telephone network, etc.), a regional IP (Internet Protocol) network, and the Internet. The network N may include a wired network or may include a wireless network. Further, the proposal system 1 shown in FIG. 2 may include a plurality of proposal devices 100, a plurality of insurer terminals 10, and a plurality of user terminals 20.

The proposed device 100 is a server device that provides various platforms for mediating insurance product contracts between the insurance company A1 and the user U1. The proposal device 100 manages various information related to insurance products received from each insurance company A1.

The insurer terminal 10 is a terminal device used by the insurer A1. The insurer terminal 10 exchanges various information with the proposal device 100 according to the operation of the insurer A1.

The user terminal 20 is a terminal device used by the user U1. The user terminal 20 acquires information on the insurance product proposed by the proposal device 100 together with the analysis result of the genetic information.

[3. Configuration of proposed device]
Next, the configuration of the proposed device 100 will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of the proposed device according to the embodiment. As shown in FIG. 3, the proposed device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

(About communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 110 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the insurance company terminal 10, the user terminal 20, and the like.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, the storage unit 120 includes an insurance product information storage unit 121, a contract condition information storage unit 122, a discount condition information storage unit 123, and a user information storage unit 124.

(About insurance product information storage unit 121)
The insurance product information storage unit 121 stores information about each insurance product registered by each insurer A1. Here, an example of the information stored in the insurance product information storage unit 121 will be described with reference to FIG. FIG. 4 is a diagram showing an example of the insurance product information storage unit 121 according to the embodiment.

In the example of FIG. 4, the insurance product information storage unit 121 has items such as “insurance company”, “product ID”, “contract condition”, and “discount condition”. “Insurance company” refers to an insurance company that provides insurance products.

The "product ID" is an identifier for identifying each insurance product. “Contract conditions” indicates the presence or absence of contract conditions for the corresponding insurance product. In the example of FIG. 4, the insurance product whose contract condition is "1" means that the contract condition is separately defined, and the insurance product whose contract condition is "0" has no contract condition, that is, It means that anyone can join.

Further, the “discount condition” shown in FIG. 4 indicates whether or not there is a discount condition for the corresponding insurance product. In the example of FIG. 4, the insurance product whose discount condition is "1" means that the discount condition is separately defined, and the insurance product whose discount condition is "0" has no discount condition, that is, It means that everyone has a fixed price.

(About contract condition information storage unit 122)
Returning to the description of FIG. 3, the contract condition information storage unit 122 will be described. The contract condition information storage unit 122 stores information regarding the contract conditions of each insurance product. That is, the contract condition information storage unit 122 stores information regarding the actual contract conditions of the insurance product whose contract condition shown in FIG. 4 is “1”.

Here, an example of the information stored in the contract condition information storage unit 122 will be described with reference to FIG. FIG. 5 is a diagram showing an example of the contract condition information storage unit 122 according to the embodiment. In the example of FIG. 5, the contract condition information storage unit 122 has items such as "product ID", "basic condition", "disease risk condition", and "interview condition".

The "product ID" is an identifier for identifying an insurance product, and the "basic condition" is a contract condition set based on the basic information of the user U1 such as age and gender. The “disease risk condition” is a contract condition set for the onset risk of each disease based on the analysis result of genetic information. Further, the "interview condition" is a contract condition set for the result of the interview conducted to the user U1 in the analysis of the genetic information.

In the example of FIG. 5, the contract conditions of the insurance product with the product ID "A001" are that the basic condition is "40 years old or younger", the disease risk is "cancer; 3 or less", "stroke; 3 or less", "respiratory disease; "Below" and "Diabetes; 3 or less", indicating that the interview condition is "None".

(About discount condition information storage unit 123)
Returning to the description of FIG. 3, the discount condition information storage unit 123 will be described. The discount condition information storage unit 123 stores information regarding the discount condition of the insurance product. That is, the discount condition information storage unit 123 stores information regarding the actual discount condition of the insurance product whose discount condition shown in FIG. 4 is “1”.

Here, an example of the information stored in the discount condition information storage unit 123 will be described with reference to FIG. FIG. 6 is a diagram showing an example of the discount condition information storage unit 123 according to the embodiment. In the example of FIG. 6, the contract condition information storage unit 122 has items such as “product ID”, “discount application condition”, and “discount rate (%)”.

The "product ID" is an identifier for identifying an insurance product. "Discount application conditions" is information about the actual discount conditions of the corresponding insurance product. The "discount rate (%)" indicates the discount rate for each "discount application condition".

In the example of FIG. 6, the insurance product with the product ID "A001" is discounted by 10% from the basic charge when the risk of developing cancer is 1 or less, and when the risk of developing stroke is 2 or less, or breathing. This means a 5% discount from the basic rate if the risk of developing the disease is 1 or less. That is, if all the above discount application conditions are satisfied, a maximum discount of 20% will be applied.

(About user information storage unit 124)
Returning to the description of FIG. 3, the user information storage unit 124 will be described. The user information storage unit 124 stores various information about the user U1. For example, the user information storage unit 124 stores basic information such as the age, gender, and address of the user U1, information on the analysis result of the genetic information, information on the inquiry result used for the analysis of the genetic information, and the like.

Further, the user information stored in the user information storage unit 124 includes information regarding the purchase history of the product by the user U1. The information regarding the purchase history is information based on online shopping via the Internet, online auctions, electronic money usage history, credit card usage details, coupon information usage history, and the like. The proposal device 100 can acquire such information by cooperating with a provider company that provides each service.

(About control unit 130)
The control unit 130 is a controller, and for example, various programs stored in a storage device inside the proposed device 100 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 130 is, for example, a controller, and is realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 3, the control unit 130 includes an acquisition unit 131, a reception unit 132, a generation unit 133, a selection unit 134, a calculation unit 135, a proposal unit 136, and a contract processing unit 137.

(About acquisition unit 131)
The acquisition unit 131 acquires information regarding the analysis result of the genetic information of the user U1 notified from the analysis company 200 and stores it in the user information storage unit 124. At this time, the acquisition unit 131 acquires the interview result together with the analysis result. The interview result may be obtained from the proposal device 100 side to the user U1 separately from the one used for the analysis of the genetic information. In addition, the acquisition unit 131 acquires information on the purchase history of the product by the user U1 at any time and stores it in the user information storage unit 124.

(About reception desk 132)
The reception unit 132 receives information about insurance products from the insurance company A1 via the insurance company terminal 10. The reception unit 132 receives information about insurance products, for example, via a platform on the Web.

The reception unit 132 registers the received information about the insurance product in the insurance product information storage unit 121, and also stores the contract condition information storage unit 122 and the discount condition information storage unit 123 based on the contract conditions and discount conditions of the insurance product. Update accordingly.

(About generator 133)
The generation unit 133 generates feature information regarding the innate features of the user U1 based on the genetic information of the user U1. Specifically, the generation unit 133 generates a score regarding the onset risk for each disease defined in the contract conditions of each insurance product as characteristic information based on the analysis result of the genetic information.

For example, the generation unit 133 calculates the cancer score in the characteristic information according to the risk of developing cancer based on the analysis result of the genetic information.

In addition, the generation unit 133 can update the onset risk based on the result of the interview conducted with the user U1. Here, the interview result includes information on the lifestyle of the user U1, the medical history of the user U1, the medical history of the relatives of the user U1, and the like.

Further, the generation unit 133 may estimate the lifestyle of the user U1 based on the purchase history of the product of the user U1. That is, by referring to the purchase history of the user U1, it is possible to grasp the lifestyle such as the eating habits of the user U1.

For example, the generation unit 133 has a model for associating a lifestyle with a purchase history, and by inputting information on the purchase history into the model, the lifestyle can be predicted from the purchase history.

In addition, the generation unit 133 updates the above score based on the lifestyle predicted from the purchase history. Here, the generation unit 133 performs predetermined weighting on the score based on the analysis result of the genetic information and the score based on the lifestyle habit, respectively, so that the score regarding the final onset risk of the user U1 (hereinafter referred to as the final score). To be described) is determined for each disease.

In this way, the generation unit 133 can correct the error of the interview result by predicting the lifestyle of the user U1 based on the purchase history of the user U1, so that the accuracy of the final score can be improved. it can.

The generation unit 133 may estimate the lifestyle of the user U1 based on, for example, the purchase history of a relative of the user U1 or a cohabitant in addition to the purchase history of the user U1. In this case, if the generation unit 133 estimates the lifestyle of the user U1 in such a period based on, for example, information on the purchase history of the period in which the user U1 lives together, the long-term life of the user U1 You can grasp the transition of habits. That is, the generation unit 133 can calculate the final score based not only on the current lifestyle but also on the past lifestyle.

(About selection unit 134)
The selection unit 134 selects an insurance product that the user U1 can contract based on the genetic information of the user U1. In this embodiment, the selection unit 134 selects the contractable insurance product of the user U1 based on the final score for the onset risk of each disease generated by the generation unit 133.

Specifically, the selection unit 134 selects an insurance product satisfying the contract condition from the insurance product information storage unit 121 and the contract condition information storage unit 122 based on the final score for each disease of the user U1.

(About calculation unit 135)
The calculation unit 135 calculates the offer price of the insurance product selected by the selection unit 134 based on the discount rate according to the score generated by the generation unit 133. Specifically, first, the calculation unit 135 extracts discount information of the insurance product selected by the selection unit 134 from the discount condition information storage unit 123.

Next, the calculation unit 135 calculates the offer price of the insurance product at the discount rate of the item satisfying the discount application condition based on the final score for each disease generated by the generation unit 133. Here, the final score is a score determined based on the analysis result of genetic information, lifestyle and disease history. Therefore, the calculation unit 135 will calculate the offer price based on the analysis result of the genetic information, the lifestyle, and the disease history.

Further, for example, when the generation unit 133 determines the final score based only on the analysis result of the genetic information, the calculation unit 135 decides to calculate the offer price based on at least one of the lifestyle and the disease history. May be good. Further, in this case, the calculation unit 135 may estimate the lifestyle of the user U1 based on the above purchase history.

As described above, in the present embodiment, it is possible to apply a discount on insurance products according to the risk of developing each disease based on the analysis result of genetic information.

(About Proposal Department 136)
The proposal unit 136 proposes insurance information regarding the insurance product selected by the selection unit 134 on the notification screen for notifying the user U1 of the analysis result of the genetic information. The user U1 can view the analysis result of the genetic information by logging in to the website operated by the proposal system 1 from the user terminal 20.

The proposal unit 136 generates a login screen for each user U1 and a notification screen for notifying the analysis result, and provides the user U1 with a login screen. Here, in the present embodiment, the proposal unit 136 generates a login screen and a notification screen on which insurance information regarding the insurance product selected by the selection unit 134 is posted.

Here, an example of the notification screen will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of a notification screen according to the embodiment. In the example of FIG. 7, the notification screen of the analysis result of the gene information has a first region R1 for displaying the analysis result and a second region R2 for displaying the insurance information.

In the example of FIG. 7, the case where the analysis result of "health risk" is displayed in the first region R1 is shown. In addition to the health risk, it is also possible to display other analysis results in the first region R1.

Further, in the second area R2, information on the insurance product selected by the selection unit 134 is displayed for each insurance company. In the example of FIG. 7, the case where the information about the A product of the A insurance company is displayed and the information about the A product and the B product of the B insurance company are displayed is shown.

Here, the price displayed in each insurance information is the price calculated by the calculation unit 135. That is, on the notification screen, the insurance product selected for each user U1 is proposed at the price set for each user U1.

That is, on the notification screen, a user with many contractable insurance products is displayed with more insurance products than a user with few contractable insurance products, and the price after applying the discount condition is displayed.

That is, the proposal unit 136 customizes the insurance information for each user U1 based on the genetic information of the user U1 and provides a notification screen. In addition, the proposal unit 136 can propose the insurance information together with the analysis result of the genetic information, so that the user U1 can select the insurance product to be subscribed based on the analysis result. This makes it possible to encourage the user U1 to take out insurance products.

In addition, the proposal unit 136 may propose an insurance product on the above login screen, or may propose an insurance product separately from the analysis result of the genetic information.

In addition, the proposal unit 136 can change the insurance product displayed on the notification screen according to the analysis result of the genetic information displayed on the notification screen. Specifically, for example, as an analysis result, it is possible to propose an insurance product related to thyroid cancer on the detailed page of "thyroid cancer" shown in FIG. 7.

(About Contract Processing Department 137)
Returning to the description of FIG. 3, the contract processing unit 137 will be described. The contract processing unit 137 performs the insurance product contract procedure based on the user operation on the insurance information proposed by the proposal unit 136.

Specifically, for example, when the user U1 selects an insurance product on the above notification screen, the contract processing unit 137 inputs information necessary for contracting the insurance product from the user U1 via the user terminal 20. Accept.

Then, the contract processing unit 137 notifies the insurer terminal 10 of the corresponding insurer A1 of the information, so that the contract procedure for the insurance product is performed. In this way, the proposal device 100 performs a series of processes from the proposal of the insurance product to the contract procedure, so that the user U1 can speedily perform the contract procedure of the insurance product.

[4. Information processing flow]
Subsequently, the procedure of information processing of the proposed device according to the embodiment will be described with reference to FIG. FIG. 8 is a flowchart showing an example of the information processing procedure according to the embodiment.

As shown in FIG. 8, when the proposed device 100 first acquires the analysis result of the genetic information of the user U1 (step S101), the proposal device 100 calculates the onset risk of each disease based on the analysis result (step S102).

Subsequently, the proposal device 100 acquires information on the lifestyle of the user U1 (step S103). The lifestyle-related information here includes, for example, information on the results of interviews used when analyzing genetic information, information on the purchase history of products, and the like.

Subsequently, the proposal device 100 determines the final score for each disease based on the information on the onset risk and lifestyle calculated in step S102 (step S104). Subsequently, the proposal device 100 selects an insurance product that can be contracted by the user U1 based on the final score (step S105), and calculates the offer price of the insurance product (step S106).

Subsequently, the proposal device 100 proposes insurance information on the notification screen for notifying the analysis result of the genetic information (step S107), and ends the process. After that, when the user U1 applies for an insurance product contract, the proposal device 100 will perform the insurance product contract procedure.

[5. Modification example]
The above-described embodiment shows an example, and various modifications and applications are possible.

In the above-described embodiment, an example of information processing of the proposal device 100 is shown for insurance products. However, the proposal device 100 may perform information processing not only for insurance products but also for various contents.

[6. effect〕
As described above, the proposal device 100 according to the embodiment includes a selection unit 134 and a proposal unit 136. The selection unit 134 selects an insurance product that the user U1 can contract based on the genetic information of the user U1. The proposal unit 136 proposes the insurance product selected by the selection unit 134 on the notification screen for notifying the user U1 of the analysis result of the genetic information.

Therefore, according to the proposal device 100 according to the embodiment, it is possible to propose an appropriate insurance product to the user U1 and efficiently prompt the user U1 to make a contract for the insurance product.

In addition, the proposal device 100 according to the embodiment includes a contract processing unit 137 that performs a contract procedure for insurance products based on a user operation on insurance information proposed by the proposal unit 136.

Therefore, according to the proposed device 100 according to the embodiment, the contract can be processed promptly, so that the contract loss for the insurance product can be suppressed.

Further, the proposal device 100 according to the embodiment includes a generation unit 133 that generates a score related to the onset risk for each disease based on the analysis result, and the selection unit 134 is an insurance product based on the score generated by the generation unit 133. Select.

Therefore, according to the proposed device 100 according to the embodiment, it is possible to select an appropriate insurance product according to the onset risk.

Further, the proposal device 100 according to the embodiment includes a calculation unit 135 for calculating the offer price of the insurance product based on the discount rate according to the score, and the proposal unit 136 uses the offer price calculated by the calculation unit 135. Propose insurance information.

Therefore, according to the proposal device 100 according to the embodiment, it is possible to propose an insurance product at an appropriate price according to the onset risk.

Further, in the proposed device 100 according to the embodiment, the calculation unit 135 calculates the offer price based on at least one of the user's lifestyle and the user's disease history.

Therefore, according to the proposal device 100 according to the embodiment, it is possible to propose an insurance product at an appropriate price.

Further, in the proposal device 100 according to the embodiment, the calculation unit 135 estimates the lifestyle based on the purchase history of the product by the user U1.

Therefore, according to the proposed device 100 according to the embodiment, the lifestyle of the user U1 can be estimated accurately.

In addition, the proposal device 100 according to the embodiment includes a reception unit 132 that receives subscription condition information regarding insurance product subscription conditions and discount condition information regarding discount conditions for insurance products from the insurance company.

Therefore, according to the proposal device 100 according to the embodiment, it is possible to propose to the user U1 an insurance product that satisfies the conditions desired by the insurance company, and to simplify the processing on the proposal device 100 side. Can be done.

Further, in the proposal device 100 according to the embodiment, the proposal unit 136 proposes an insurance product corresponding to the analysis result displayed on the notification screen.

Therefore, according to the proposal device 100 according to the embodiment, it is possible to efficiently encourage the user U1 to make an insurance product contract.

[7. Hardware configuration]
Further, the proposed device according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the proposed device 100 will be described as an example. FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the proposed device. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400, and controls each part. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program that depends on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the proposed device 100, the CPU 1100 of the computer 1000 realizes the function of the control unit 130 by executing the program loaded on the RAM 1200. Further, each data in the storage device of the proposed device 100 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be acquired from another device via a predetermined communication network.

[8. Others]
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to practice the present invention in other improved forms.

Further, the configuration of the proposed device 100 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

In addition, the "part" described in the claims can be read as "means" or "circuit". For example, the proposal unit can be read as a proposal means or a proposal circuit.

1 Proposal system 10 Insurer terminal 20 User terminal 100 Proposal device 110 Communication unit 120 Storage unit 121 Insurance product information storage unit 122 Contract condition information storage unit 123 Discount condition information storage unit 124 User information storage unit 130 Control unit 131 Acquisition unit 132 Reception Part 133 Generation part 134 Selection part 135 Calculation part 136 Proposal part 137 Contract processing part

Claims (10)

The insurance product selected by the selection unit is proposed on the selection unit that selects the insurance product that the user can contract based on the genetic information of the user and the notification screen that notifies the user of the analysis result of the genetic information. A proposal device characterized by having a proposal unit. The proposal device according to claim 1, further comprising a contract processing unit that performs a contract procedure for the insurance product based on a user operation on the insurance product proposed by the proposal unit. It is equipped with a generator that generates a score for the onset risk for each disease based on the analysis results.
The selection unit
The proposed device according to claim 1 or 2, wherein the insurance product is selected based on the score generated by the generation unit. It is equipped with a calculation unit that calculates the offer price of the insurance product based on the discount rate according to the score.
The proposal section
The proposal device according to claim 3, wherein the insurance product is proposed at the offer price calculated by the calculation unit. The calculation unit
The proposed device according to claim 4, wherein the offer price is calculated based on at least one of the user's lifestyle and the user's disease history. The calculation unit
The proposal device according to claim 5, wherein the lifestyle is estimated based on a purchase history of a product by a user. The invention according to any one of claims 1 to 6, further comprising a reception unit that receives information on the conditions for joining the insurance product and information on the conditions for discounting the insurance product from the insurance company. Proposed device. The proposal section
The proposal device according to any one of claims 1 to 7, wherein the insurance product corresponding to the analysis result displayed on the notification screen is proposed. It ’s a proposed method that a computer uses.
The insurance product selected by the selection process is proposed in the selection step of selecting the insurance product that the user can contract based on the genetic information of the user and the notification screen for notifying the user of the analysis result of the genetic information. A proposal method characterized by including a proposal process. The insurance product selected by the selection procedure is proposed on the selection procedure for selecting the insurance product that the user can contract based on the genetic information of the user and the notification screen for notifying the user of the analysis result of the genetic information. A proposal program characterized by having a computer execute a proposal procedure and.

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