JP5927658B1 - Insurance provision system - Google Patents

Abstract

An object of the present invention is to provide an insurance providing system for increasing the number of customers at a store and increasing the number of subscribers of insurance products. Whether or not a user has achieved purchase of a predetermined amount at a predetermined number of stores based on purchase information, and for a user who has achieved purchase of a predetermined amount at one or more predetermined stores, The insurance providing system 1 for providing insurance products with the amount of money of each store, the storage means 3 for storing the store identification information, the purchase information associated with the purchase amount, and the user identification information in association with each other And a counting unit 22 that tabulates the purchase status at each store by the user based on the stored purchase information, and a determination unit that determines whether or not insurance products can be provided based on the insurance product provision conditions and the counting results. 23, a calculation means 24 for calculating the amount of money for each store based on the purchase information, and a status display means 25 for presenting the achievement status of the provision conditions to the user. . [Selection] Figure 1

Description

  The present invention relates to an insurance provision system that provides insurance products to purchasers based on purchase information at a store.

  When a customer purchases a product at a store such as a convenience store or a supermarket, eats food at a restaurant, or refuels at a gas station, a point card with user identification information for providing service points is recorded. publish. Sales promotion systems that allow customers to obtain new gains such as discounts on prices and provision of souvenirs according to the accumulated amount of service points have become widespread.

  However, a point card for accumulating service points is issued for each store, and the customer needs to carry a point card for a plurality of stores.

  As a technique for solving such a problem, for example, a step of accumulating service points issued by member stores by purchase of goods or services by a customer in a point card, a step of registering accumulated points in a system management server, It consists of the steps to convert the points registered in the system management server into operating funds, invest the invested operating funds, and distribute the profits obtained from the investment operations to each cardholder. A service point securities system is known (Patent Document 1).

  This technology makes it possible for customers to easily use a point card sales promotion system that has been complicated in the past.

JP 2002-32580 A

  However, in the past, stores where customers make purchases vary, and the benefits that can be obtained by member stores participating in the service differ from store to store. Therefore, the affiliated store does not know how much it will affect the customer attraction.

  Nevertheless, it is necessary to prepare for participation in the service, such as the introduction of a reader for reading the membership card, replacement of the register, and update of the service manual. For this reason, there has been a demand for a service for attracting customers that can grasp to some extent how much the store can benefit.

  Also, each store invested huge amounts of money in commercials and advertisements in order to increase the number of customers. For this reason, there has been a demand for an advertising service that can attract more customers with a low budget.

  In addition, for example, insurance products such as hospitalization insurance, life insurance, fire insurance, and automobile insurance are expensive, and the number of subscribers has been sluggish especially for insurance that is voluntarily purchased by users. Therefore, a service for providing insurance products that can increase the number of subscribers for such optional insurance has been awaited.

  This invention is made | formed in view of the above actual conditions, and makes it a subject to provide the insurance provision system for increasing the number of customers in a store and also increasing the subscriber of an insurance product.

In order to solve the above problems, the present invention determines whether a user has achieved purchase of a predetermined amount at a predetermined number of stores based on purchase information, and purchases a predetermined amount at one or more predetermined stores. An insurance providing system for providing insurance products to the user who achieved
Storage means for storing the store identification information and purchase information associated with the payment amount received from the store, and the user identification information in association with each other;
Based on the stored purchase information, a counting means for counting the purchase status at each store by the user;
A determination means for determining whether or not insurance products can be provided based on the insurance product provision conditions and the aggregated results;
Based on the purchase information, calculating means for calculating the amount of money for each store;
State display means for presenting the achievement status of the provision conditions to the user,
It said state display means, and purchase information indicating the store the user makes a purchase in order to receive the offer of insurance products, and purchase price information that has been set with the store, and the purchase situation that has been aggregated by the aggregation means, Is displayed.

  By adopting such a configuration, it is possible to distribute insurance premiums to stores and provide insurance products to users on condition that a user purchases a predetermined amount at a predetermined number of stores. it can. Thereby, it is possible to provide many users with insurance products that have been expensive and have not been sufficiently provided to users.

  On the store side, users can be attracted without using conventional advertising media. In addition, since insurance products are provided to the user on the condition of purchase at the store, it is possible to attract customers with higher certainty than the conventional point card system.

  In addition, the expected number of customers can be calculated based on the number of insurance contracts incorporated in the provision conditions for insurance products by a store and the number of users (contractors) who have made the insurance contract living in the vicinity of the store. However, it may be configured to notify the store side.

In a preferred aspect of the present invention, the calculation means does not generate a burden amount for providing insurance products for users who have not achieved purchase for stores where purchase has not been achieved.
By adopting such a configuration, for stores where purchase has not been achieved, the burden amount is eliminated, and only the provision cost of insurance products of the user who actually made the purchase is functioned as a volume-based advertisement Can be made. You may comprise so that the amount of money in case purchase has not been achieved may be calculated based on the difference between the set purchase amount and the actual payment amount .

In a preferred embodiment of the present invention, the status display means further displays individual balance information, which is a balance for each store necessary for achieving the provision conditions, based on the purchase price information and the purchase information. It is characterized by.
By adopting such a configuration, it becomes possible to inform the user of the remaining stores that need to be purchased, and the purchase can be actively achieved.

In a preferred aspect of the present invention, the state display means further sums up the remaining amount required for each store to achieve the provision condition and displays total remaining amount information which is the total.
By adopting such a configuration, it becomes possible to inform the user of the remaining amount that needs to be purchased, and the purchase can be actively achieved.

In a preferred form of the present invention, the status display means is further based on the previous SL purchase information, user and displaying the date and purchase amount was purchase for each of the stores.
With such a configuration, a purchase history can be provided to the user.

In a preferred embodiment of the present invention, the determination means determines a total result of purchase status on a monthly basis,
It said status display means is further characterized by displaying the progress of monthly units.
With this configuration, it is possible to check the provision status of insurance products throughout the year.

In a preferred embodiment of the present invention, the purchase information aggregated by the aggregation means includes purchases made in the month of determination,
The purchase was made within a predetermined period including the month in which the purchase was made.
With such a configuration, it is possible to set a store such as a movie theater that is difficult to go every month as a purchase destination.

The present invention determines whether the user has achieved purchase of a predetermined amount at a predetermined number of stores based on purchase information, and for users who have achieved purchase of a predetermined amount at one or more predetermined stores, An insurance providing server for providing insurance products according to the amount borne by each store,
Storage means for receiving the store identification information and the purchase information associated with the payment amount received via the reception means, and the user identification information in association with each other;
Based on the stored purchase information, a counting means for counting the purchase status at each store by the user;
A determination means for determining whether or not insurance products can be provided based on the insurance product provision conditions and the aggregated results;
Based on the purchase information, calculating means for calculating the amount of money for each store;
State display means for presenting the achievement status of the provision conditions to the user,
It said state display means, and purchase information indicating the store the user makes a purchase in order to receive the offer of insurance products, and purchase price information that has been set with the store, and the purchase situation that has been aggregated by the aggregation means, Is displayed.

The present invention determines whether the user has achieved purchase of a predetermined amount at a predetermined number of stores based on purchase information, and for users who have achieved purchase of a predetermined amount at one or more predetermined stores, An insurance provision program for providing insurance products according to the amount paid by each store,
Storage means for storing the computer in association with the store identification information and the purchase information associated with the payment amount received through the reception means, and the user identification information;
Based on the stored purchase information, a counting means for counting the purchase status at each store by the user;
A determination means for determining whether or not insurance products can be provided based on the insurance product provision conditions and the aggregated results;
Based on the purchase information, calculating means for calculating the amount of money for each store;
Function as status display means for presenting the achievement status of the provision conditions to the user,
It said state display means, and purchase information indicating the store the user makes a purchase in order to receive the offer of insurance products, and purchase price information that has been set with the store, and the purchase situation that has been aggregated by the aggregation means, Is displayed.

The present invention determines whether the user has achieved purchase of a predetermined amount at a predetermined number of stores based on purchase information, and for users who have achieved purchase of a predetermined amount at one or more predetermined stores, An insurance providing method for providing insurance products according to the amount of money of each store,
Storing the store identification information and the purchase information associated with the payment amount received via the receiving means, and the user identification information in association with each other;
Based on the stored purchase information, the step of counting the purchase status at each store by the user;
Determining whether to provide insurance products based on the insurance product provision conditions and the aggregated results; and
Calculating a burden amount of each store based on the purchase information;
Providing the user with the achievement status of the provision condition, and
When presenting the progress of the offer conditions to the user, and purchase information that the user is shown a shop in making purchasing in order to receive the offer of insurance products, and purchase price information that has been set with in the store, are aggregated wherein the purchase conditions were, and displaying the.

  According to the present invention, it is possible to provide an insurance providing system for increasing the number of customers at a store and increasing the number of subscribers of insurance products.

It is a schematic diagram which shows the structure of the insurance provision system regarding embodiment of this invention. It is a figure which shows the hardware constitutions of the insurance provision server concerning embodiment of this invention. It is a schematic diagram of the insurance provision service regarding embodiment concerning embodiment of this invention. FIG. 3A is a diagram showing an outline of the insurance providing service according to the present embodiment, and FIG. 3B is an example from the sales price of the insurance product to the purchase price at each store being set. FIG. It is a functional block diagram of the insurance provision server concerning embodiment of this invention. It is an example of a screen which shows the achievement status etc. of the user displayed on the user terminal concerning the embodiment of the present invention. It is a process flowchart regarding the total process during the total period concerning the embodiment of the present invention.

  Hereinafter, an insurance provision system according to an embodiment of the present invention will be described with reference to the drawings. The following embodiment is an example of the present invention, and the present invention is not limited to the following embodiment.

  FIG. 1 is a schematic diagram showing a configuration of an insurance providing system according to the present embodiment. Reference numeral 1 denotes an insurance provision system, reference numeral 2 denotes an insurance provision server for determining whether or not insurance provision is possible, reference numeral 3 denotes a recording unit that records a purchase situation by a user at a store, and reference numeral 4 denotes A user terminal possessed by the user is shown. Reference numeral 5 denotes a store terminal used in the store, and reference numeral 6 denotes a register used in the store. Reference numeral N denotes a network, and reference numeral D denotes a database in which purchase information output from the store terminal 5 is recorded.

  FIG. 2 is a diagram illustrating a hardware configuration of the insurance providing server 2. The insurance providing server 2 includes a CPU 201, a memory 202, a storage device 203, an input device 204, an output device 205, and a communication device 206 that is an interface for communicating with an external device. The recording device 203 records an operating system (OS) 207, an insurance provision program 208, and the like. The insurance providing program 208 performs its function in cooperation with the operating system 207.

  Next, the outline of the insurance providing service according to the present embodiment will be described with reference to FIG. FIG. 3A is a diagram showing an outline of the insurance providing service according to the present embodiment. First, an insurance product provider I that provides insurance products makes a contract with the user U for insurance products (1). The insurance product may be any product such as hospitalization insurance, life insurance, fire insurance or car insurance. At the time of this contract, the user's insurance contract number (identification number) is determined.

  If the target insurance product is determined in (1), the monthly amount that needs to be paid is calculated from the sales price. Then, the monthly amount is divided by the number of stores to be purchased, and the purchase amount that needs to be purchased at each store is set every month (2).

  FIG.3 (b) is a figure which shows an example at the time of setting the purchase amount in each store from the sales price of an insurance product. The amount of the insurance product is 82800 yen per year, and 6900 yen obtained by dividing the amount by December is determined as the purchase amount that needs to be purchased every month. Further, the predetermined stores to be purchased are 10 stores. The store may be any store such as a convenience store, a drug store, a restaurant, a gas station, or a movie theater. Moreover, it may be an EC store.

  Then, an amount of 690 yen obtained by dividing the purchase amount by 10 stores to be purchased is a purchase amount that needs to be purchased at each store every month. When the user performs shopping for a predetermined amount (690 yen in this example) or more at all the predetermined stores (10 stores in this example), the provision condition is achieved, and each store in the provision condition You can receive insurance products for that month (4). The purchase amount for each store does not necessarily need to be allocated evenly, and may be determined individually for each store. In addition, for ten predetermined stores, a store that is easy for the user to use can be selected from a plurality of stores.

  If purchase of more than a predetermined purchase amount (690 yen in this example) is not achieved in one or more of the predetermined stores, that is, if provision conditions are not achieved, the amount that is not achieved (remaining amount) Is billed to the user from the insurance product provider I side. In response to the request for the remaining amount, the user can receive the insurance product for the month.

  At the time of purchase, in order to prove that the user himself / herself has made a purchase, an identification number is input at the store of the purchase destination and linked with purchase information detected at the POS of the store. In the present embodiment, the identification number is input by causing the input device provided in the register 6 to read the identification information stored in the IC chip of the member card possessed by the user. In addition, input of identification information can be manually performed by the user on the numeric keypad provided in the store, or the code displayed on the mobile card owned by the member card or the user can be read by a reader provided in the store. The input may be performed by any method.

On the other hand, the insurance product provider I charges each store where purchase of the current month has been achieved based on the purchase information of the user for a predetermined amount (690 yen in this example) (5). This billing amount is not necessarily equivalent to the purchase amount, and may be higher or lower than the purchase amount. In addition, it is comprised so that the burden of expense may not be performed about the store in which purchase on the provision conditions has not been achieved.

  FIG. 4 is a functional block diagram of the insurance providing server 2 in the present embodiment. The insurance providing server 2 includes a receiving unit 21 that receives purchase information from the data center D via the network N, a tabulating unit 22 that tabulates a user's purchase status based on information stored in the storage unit 3, and a provision A determination unit 23 for determining whether or not the provision condition is achieved based on the condition and the aggregation result by the aggregation unit 22; a calculation unit 24 for calculating a charge amount to the store side based on the purchase information; A status display means 25 for outputting the current achievement status to the user terminal 4 and a notification means 26 for notifying the user.

  The notification means 26 notifies a user who has a store that has not been purchased. In the present embodiment, the notification means 26 gives a notification prompting purchase at a store that has not been purchased if it is within the counting period, and compensates for the shortage of the store that has not been purchased after the counting period. A notification that prompts In addition, each means of the insurance provision server 2 may be put together in one server, and may be implement | achieved by the some server.

  The storage unit 3 includes user information 31 that is information related to a user such as an insurance product under contract and a user identification number, store information 32 that is information related to a store, and purchase information 33 received via the receiving unit 21. Provision condition information 34 storing provision conditions for determining insurance provision.

  In this embodiment, the user information 31 includes information such as user identification information, name, and age, information on insurance products under contract, totalization results for each month accumulated by the aggregation means 22, and determination means 23, the achievement status of the monthly provision conditions determined so far.

The store information 32 includes information such as the identification information, name, and location of the store where the purchase was made, and information such as the monthly billing amount calculated by the calculation means 24 and the details thereof. The purchase information 33 includes a store identification number, a purchased product name, a payment amount, and a purchase date and time. The provision condition information 34 has provision conditions for insurance products determined for each insurance product.

  Next, information output to the user terminal 4 through the state display unit 25 will be described with reference to FIG. FIG. 5 is a screen example showing the purchase information and achievement status of the user displayed on the user terminal 4.

  On the web browser of the user terminal 4, information such as the purchase status and achievement status of the user is displayed via the network N. In the center of the screen of the illustrated example, for the stores st1 to st10 that are the purchase destinations, the aggregation date calculated by the aggregation means 22, the purchase date at the store, the payment amount at the store, the remaining amount obtained by subtracting the payment amount from the purchase amount, Is displayed. For the stores of st1 to st9, the result of purchase during the counting period (January 1 to January 31 in the illustrated example) is reflected, and for st10, during the predetermined period including the counting period (in the illustrated example) The result of the purchase from November 1 to January 31) is reflected.

  In st10, the purchase amount for November for achieving the provision conditions of 690 yen and the purchase amount for December for achieving the provision conditions of 690 yen are deducted from 1800 yen purchased in November. Only 420 yen was achieved, and 270 yen remains as the balance.

  In addition, on the right side of the screen in the illustrated example, the achievement status during the aggregation period, the total payment amount, and the total payment balance are displayed. At the bottom of the screen in the example, the achievement status and expected savings by month (in the example shown, equivalent to the amount of insurance products), the total savings so far, and the monthly balance and total payment balance are displayed. .

  Next, the aggregation process during the aggregation period will be described with reference to FIG. FIG. 6 is a process flowchart relating to the aggregation process during the aggregation period. The user identification information and purchase information are detected from the register 6 via the store terminal 5 and recorded in the data center D. In step 1 (S1), these pieces of information are received from the data center D through the receiving means 21. The received information is stored in the storage unit 3 as purchase information 33.

  In step 2 (S2), the purchase status of each user is totaled using the purchase information 33 stored in the storage unit 3. This aggregated information is stored in the storage unit 3 as user information 31 (S3).

  In S4, a status display request from the user is accepted. If there is a status display request (YES in S4 (Y)), information such as the user achievement status as shown in FIG. 5 is displayed (S5). If there is no status display request (NO in S4), the process proceeds to S6.

In S6, it is determined whether or not the counting period has ended. If it is during the counting period (N in S6), the process returns to S1 and tabulation of purchase information and information display such as achievement status to the user are performed. When the counting period ends (Y in S6), the amount charged to each store that is the purchase destination is calculated based on the result of counting the payment amount paid by the user (S7).

  If there is a balance at the end of the counting period and the user has not achieved the provision condition (Y in S8), the notification means 26 is used to notify the user of the balance payment. If there is no balance and the user has satisfied the provision conditions (N in S8), payment for the aggregation period is achieved, and insurance products for the aggregation period are provided.

  According to the present embodiment, on the condition that a user purchases a predetermined amount at a predetermined number of stores, high insurance premiums can be distributed to the stores in a distributed manner, and insurance products can be provided to the user. . Thereby, conventionally, it is possible to provide insurance products to many users.

  In addition, the store side can attract users without using a conventional advertising medium. In addition, since insurance products are provided to the user on the condition of purchase at the store, it is possible to attract customers with higher certainty than the conventional point card system.

  Further, by notifying the user of the remaining stores that need to be purchased and the remaining amount of money, the purchase can be actively achieved.

  In addition, by determining the achievement conditions based on purchase information for a predetermined period including the total period according to the store form, stores that are difficult to go to every month such as movie theaters are also set as purchase destinations. Can do.

  It is possible to provide an insurance providing service capable of increasing the number of customers to a predetermined store with a certain degree of certainty and increasing the number of insurance subscribers.

DESCRIPTION OF SYMBOLS 1 Insurance provision system 2 Insurance provision server 21 Reception means 22 Total means 23 Calculation means 24 Determination means 25 Status display means 26 Notification means 201 CPU
202 Memory 203 Storage Unit 204 Input Device 205 Output Device 206 Communication Device 207 Operating System 208 Insurance Provision Program 3 Storage Unit 31 User Information 32 Store Information 33 Purchase Information 34 Provision Condition Information 4 User Terminal 5 Store Terminal 6 Register N Network D Data Center I Insurance product provider U Users st, st1 to st10 stores

Claims (10)

It is determined whether or not the user has achieved purchase of a predetermined amount at a predetermined number of stores based on the purchase information, and the burden of each store on a user who has achieved purchase of the predetermined amount at one or more predetermined stores An insurance providing system for providing insurance products by amount,
Storage means for storing the store identification information and purchase information associated with the payment amount received from the store, and the user identification information in association with each other;
Based on the stored purchase information, a counting means for counting the purchase status at each store by the user;
A determination means for determining whether or not insurance products can be provided based on the insurance product provision conditions and the aggregated results;
Based on the purchase information, calculating means for calculating the amount of money for each store;
State display means for presenting the achievement status of the provision conditions to the user,
It said state display means, and purchase information indicating the store the user makes a purchase in order to receive the offer of insurance products, and purchase price information that has been set with the store, and the purchase situation that has been aggregated by the aggregation means, An insurance providing system characterized by displaying   The insurance providing system according to claim 1, wherein the calculation unit does not generate a burden amount for providing insurance products for a user who has not achieved purchase for a store where purchase has not been achieved. .   The status display means further displays individual balance information that is a balance for each store necessary for achieving the provision condition based on the purchase price information and the purchase information. Or the insurance provision system of Claim 2.   The said status display means is further totaled the remaining amount required for each store in order to achieve the provision conditions, and displays the total remaining amount information which is the sum total. The insurance provision system described in 1. It said status display means is further based on the previous SL purchase information, insurance according to any one of claims 1 to 4 users per the store and displaying the date and purchase amount was purchasing Offer system. The determination means determines the aggregation result of purchase status on a monthly basis,
It said state display means further insurance provider system according to claim 1, wherein the displaying the progress of monthly units. The purchase information that is aggregated by the aggregation means includes purchases made in the month of determination,
The insurance providing system according to claim 6, further comprising: a purchase made within a predetermined period including a month when the purchase was made. It is determined whether or not the user has achieved purchase of a predetermined amount at a predetermined number of stores based on the purchase information, and the burden of each store on a user who has achieved purchase of the predetermined amount at one or more predetermined stores An insurance providing server for providing insurance products by amount,
Storage means for receiving the store identification information and the purchase information associated with the payment amount received via the reception means, and the user identification information in association with each other;
Based on the stored purchase information, a counting means for counting the purchase status at each store by the user;
A determination means for determining whether or not insurance products can be provided based on the insurance product provision conditions and the aggregated results;
Based on the purchase information, calculating means for calculating the amount of money for each store;
State display means for presenting the achievement status of the provision conditions to the user,
It said state display means, and purchase information indicating the store the user makes a purchase in order to receive the offer of insurance products, and purchase price information that has been set with the store, and the purchase situation that has been aggregated by the aggregation means, An insurance providing server characterized by displaying. It is determined whether or not the user has achieved purchase of a predetermined amount at a predetermined number of stores based on the purchase information, and the burden of each store on a user who has achieved purchase of the predetermined amount at one or more predetermined stores An insurance provision program for providing insurance products by amount,
Storage means for storing the computer in association with the store identification information and the purchase information associated with the payment amount received through the reception means, and the user identification information;
Based on the stored purchase information, a counting means for counting the purchase status at each store by the user;
A determination means for determining whether or not insurance products can be provided based on the insurance product provision conditions and the aggregated results;
Based on the purchase information, calculating means for calculating the amount of money for each store;
Function as status display means for presenting the achievement status of the provision conditions to the user,
It said state display means, and purchase information indicating the store the user makes a purchase in order to receive the offer of insurance products, and purchase price information that has been set with the store, and the purchase situation that has been aggregated by the aggregation means, An insurance provision program characterized by displaying It is determined whether or not the user has achieved purchase of a predetermined amount at a predetermined number of stores based on the purchase information, and the burden of each store on a user who has achieved purchase of the predetermined amount at one or more predetermined stores An insurance provision method for providing insurance products by amount,
Storing the store identification information and the purchase information associated with the payment amount received via the receiving means, and the user identification information in association with each other;
Based on the stored purchase information, the step of counting the purchase status at each store by the user;
Determining whether to provide insurance products based on the insurance product provision conditions and the aggregated results; and
Calculating a burden amount of each store based on the purchase information;
Providing the user with the achievement status of the provision condition, and
When presenting the progress of the offer conditions to the user, and purchase information that the user is shown a shop in making purchasing in order to receive the offer of insurance products, and purchase price information that has been set with in the store, are aggregated insurance providing method, wherein the displaying the purchase situation was.