JP6326538B1 - Computer system, method and program for proposing goods or services to customers - Google Patents

Abstract

A computer system, method, and program for proposing to a customer a product or service that meets the potential or original needs of a customer in order to achieve a customer-oriented proposal for a product or service such as insurance. To provide. A computer system according to the present invention receives personal information of a customer (S501), receives an answer to a question for the customer (S502), and responds to a question about the customer's personal information and the customer. Identifying at least a risk that the customer cares about based on the answer (S503) and determining at least one product or service to be proposed to the customer based on the risk (S504) Configured to do. [Selection] Figure 5

Description

  The present invention relates to a computer system, method, and program for proposing goods or services to a customer.

  In recent years, the environment surrounding the insurance industry has changed.

  First, consumer needs for insurance products are diversified and fragmented. With the declining birthrate and aging population and advances in medical care, there is a consumer need not only to respond to the risk of “death” but also to respond to the “long life” risk. In addition, with the spread of smartphones, the Internet, etc., the ability of consumers to collect information on insurance products has improved. As a result, an increasing number of consumers want to take out insurance after comparing multiple insurance products.

  Second, the business style of insurance companies is changing. As consumers' needs diversify and subdivide, insurance products handled by insurance companies are becoming more complex. In addition, sales channels for insurance products are diversifying. In addition to sales by insurance diplomats, new sales forms such as mail-order sales, online specialized insurance companies, and passenger agencies are emerging.

  Third, laws and regulations are moving in the direction of consumer protection. As a result of the revision of the Insurance Business Law, obligations to understand customers' intentions, obligations to provide information to customers, and obligations to disclose fees to customers have been imposed.

  The inventor of the present invention believes that, due to these changes in the environment, the insurance sold to customers will change from “recommended insurance” led by insurance companies to “insurance to choose by yourself” led by consumers. This leads to customer-oriented insurance proposals.

  Patent Document 1 discloses a system for making an insurance proposal using deposit / withdrawal history information related to a customer's deposit account in order to propose an insurance suitable for the customer's household. However, the system of Patent Document 1 does not take a direct approach to the potential or inherent needs of customers.

JP 2007-265258 A

  The present invention relates to a computer system, method, and program for proposing to a customer a product or service that meets the potential or original needs of the customer in order to achieve a customer-oriented proposal of the product or service such as insurance. The purpose is to provide.

  The computer system according to the present invention is based on means for receiving personal information of a customer, means for receiving an answer to a question for the customer, personal information of the customer and an answer to the question for the customer, and And means for determining at least one product or service to be proposed to the customer based on the risk.

  In one embodiment of the present invention, an answer to the question to the customer is associated with at least one of a plurality of risk candidates, and the specifying means includes the question to the customer of the plurality of risk candidates. Based on at least one risk candidate associated with the answer to, the risk that the customer is concerned about is identified.

  In one embodiment of the present invention, the means for specifying further specifies the degree of profit desired by the customer, and the means for determining determines the customer based on the risk and the degree of profit. Determine at least one product or service to be proposed.

  In one embodiment of the present invention, the product or service is an insurance product, and the level of profit desired by the customer is the level of security desired by the customer.

  In an embodiment of the present invention, the answer to the question to the customer is associated with one of four quadrants of a plane defined by the axis indicating the customer's planability and the axis indicating the customer's anxiety. Each of the four quadrants of the plane is associated with one of a plurality of stages of benefit, and the means for identifying is for the customer of the four quadrants of the plane. Based on one quadrant associated with the answer to the question, the degree of profit desired by the customer is identified.

  In one embodiment of the present invention, the means for specifying further specifies the degree of profit desired by the customer, and the means for determining determines the customer based on the risk and the degree of profit. At least one product or service to be proposed is determined, and the answer to the question to the customer is one of four quadrants of a plane defined by the axis indicating the customer's planability and the axis indicating the customer's anxiety Each of the four quadrants of the plane is associated with one of a plurality of stages of benefit, and the means for identifying includes the four quadrants of the plane. Among them, the degree of profit desired by the customer is specified based on one quadrant associated with the answer to the question to the customer, and each of the plurality of risk candidates Associated with at least one product or service, each of the four quadrants of the plane is associated with at least one product or service, and the means for determining is associated with an answer to the question to the customer. Based on at least one product or service associated with a risk that the customer cares about identified based on the at least one risk and the one quadrant associated with an answer to the question to the customer Determining at least one product or service to be proposed to the customer in common with at least one product or service associated with the degree of profit desired by the customer To do.

  In an embodiment of the present invention, the question for the customer is changed based on the personal information of the customer.

  In one embodiment of the invention, in response to changing the transaction conditions of the determined at least one product or service, and in response to changing the transaction conditions of the determined at least one product or service, And a means for changing the transaction amount of the product or service.

  The program of the present invention is executed in a computer system including a processor unit, and when executed, the program receives personal information of a customer, receives an answer to a question for the customer, Identifying a risk that the customer is concerned about based on personal information and an answer to the question to the customer; and determining at least one product or service to be proposed to the customer based on the risk; The processor unit is caused to perform processing including:

  The program of the present invention is executed in a terminal device including a processor unit, and when executed, the program transmits personal information of a customer, transmits an answer to a question for the customer, Receiving information on at least one product or service to be proposed to the customer, which is determined based on the personal information and an answer to the question to the customer, causes the processor unit to perform processing.

  The method of the present invention is executed in a computer system including a processor unit, the method receiving personal information of a customer, receiving an answer to a question to the customer, the personal information of the customer, and the customer And identifying at least one product or service to be proposed to the customer based on the risk.

  According to the present invention, it is possible to provide a computer system, a method, and a program for proposing to a customer a product or service such as insurance that meets the potential or original needs of the customer. A customer-oriented proposal for goods or services can be achieved.

FIG. 1A to FIG. 1F are diagrams illustrating an example of a screen of an insurance comparison proposal application used by a terminal device (for example, a tablet terminal) of an insurance salesperson. FIG. 1A to FIG. 1F are diagrams illustrating an example of a screen of an insurance comparison proposal application used by a terminal device (for example, a tablet terminal) of an insurance salesperson. FIG. 1A to FIG. 1F are diagrams illustrating an example of a screen of an insurance comparison proposal application used by a terminal device (for example, a tablet terminal) of an insurance salesperson. FIG. 1A to FIG. 1F are diagrams illustrating an example of a screen of an insurance comparison proposal application used by a terminal device (for example, a tablet terminal) of an insurance salesperson. FIG. 1A to FIG. 1F are diagrams illustrating an example of a screen of an insurance comparison proposal application used by a terminal device (for example, a tablet terminal) of an insurance salesperson. FIG. 1A to FIG. 1F are diagrams illustrating an example of a screen of an insurance comparison proposal application used by a terminal device (for example, a tablet terminal) of an insurance salesperson. The figure which shows an example of a structure of the computer system 100 for proposing insurance goods to a customer. The figure which shows an example of a structure of the terminal device. The figure which shows an example of a structure of the server apparatus. The flowchart which shows the procedure of the process which proposes an insurance product to a customer as an example of the process in the computer system 100 for proposing an insurance product to a customer. 6A to 6C are tables for explaining an example of an association between an answer to a question to a customer and a plurality of risk candidates. 6A to 6C are tables for explaining an example of an association between an answer to a question to a customer and a plurality of risk candidates. 6A to 6C are tables for explaining an example of an association between an answer to a question to a customer and a plurality of risk candidates. The figure which shows the plane 700 defined by the axis | shaft which shows a customer's planability, and the axis | shaft which shows a customer's anxiety. FIG. 7B to FIG. 7C are tables for explaining an example of an association between an answer to a question to a customer and customer's planning and anxiety. FIG. 7B to FIG. 7C are tables for explaining an example of an association between an answer to a question to a customer and customer's planning and anxiety.

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

1. Insurance Comparison Proposal Application FIGS. 1A to 1F show an example of an insurance comparison proposal application screen used by a terminal device (for example, a tablet terminal) of an insurance salesperson. Here, a case where an insurance salesperson proposes insurance to a customer using an insurance comparison proposal application will be described as an example. The insurance sales person presents the insurance comparison proposal application screen displayed on the terminal device to the customer, and proposes insurance to the customer while appropriately inputting information. It is assumed that personal information such as the customer's age, gender, family structure, and existing insurance contract details is input in the insurance comparison proposal application in advance.

  FIG. 1A shows an example of a first Q & A screen 10 of an insurance comparison proposal application used by a terminal device of an insurance salesperson.

  A first question is displayed on the first Q & A screen 10. The first question is, for example, a question for asking a customer's anxiety factor. The insurance salesperson presents the first Q & A screen 10 to the customer and inputs an answer to the question. The input can be, for example, a touch input to the touch panel. The first Q & A screen 10 displays, for example, customer anxiety factor options 11. In the example shown in Fig. 1A, as anxiety factors of customers, "Emergency (death or severe disability)", "Unable to work", "Retirement", "Illness / Injury", "Care", "Student", Is listed.

  The customer's anxiety factor option 11 may vary based on the customer's personal information. For example, an unmarried customer or a customer without a child may not include anxiety factors of financial resources. For example, an anxiety factor after retirement may not be included for customers over 70 years old.

  When the customer inputs the answer to the first question, the screen transitions to the screen in FIG. 1B.

  FIG. 1B shows an example of the second Q & A screen 20 of the insurance comparison proposal application used by the terminal device of the insurance salesperson.

  On the second Q & A screen 20, a second question is displayed. The second question is, for example, a question for asking the customer's planability and a question for asking the customer's anxiety. The insurance salesperson presents the second Q & A screen to the customer and inputs an answer to the question. The input can be, for example, a touch input to the touch panel. On the second Q & A screen 20, for example, an option 21 for inquiring about the customer's planning and an option 22 for inquiring the customer's anxiety are displayed. In the example shown in FIG. 1B, in order to ask the customer's planability, “Countermeasure” or “Not much countermeasure” is selected for the customer's anxiety factor selected on the first Q & A screen 10. In order to ask the customer's anxiety, “feeling uneasy” or “not feeling too anxious” about the future of the customer himself or his family is displayed as an option 22.

  When the customer inputs the answer to the second question, an insurance product to be proposed to the customer is determined by the insurance comparison proposal application. Insurance products to be proposed to customers are proposed for each risk that the customer is concerned about. For example, based on the answer to the first question and the answer to the second question, it is determined that the risks that the customer cares about are “family life”, “illness / injury”, “care”, and “old age” Life insurance to prepare for "family life" risk, medical insurance to prepare for "illness / injury" risk, nursing care insurance to prepare for "care" risk, and "old age" risk For this is proposed. When the insurance product to be proposed to the customer is determined, the screen transitions to the screen in FIG. 1C.

  FIG. 1C shows an example of the life plan simulation screen 30 of the insurance comparison proposal application used by the terminal device of the insurance salesperson.

  The life plan simulation screen 30 is a screen showing a simulation result when a customer subscribes to a proposed insurance product. In the example shown in FIG. 1C, simulation results are shown when the customer has subscribed to the proposed life insurance, medical insurance, long-term care insurance and endowment insurance.

  The life plan simulation screen 30 includes, for example, a bar graph 31 indicating a time-series change of a customer's provision status when a customer subscribes to a proposed insurance product, a bar graph 32 indicating a time-series change of a balance, and a time series of insurance premiums. Bar graph 33 showing change, bar graph 34 showing time series change of insurance participation status, pie graph 35 showing ratio of insurance premium of each insurance product to total insurance premium, insurance premium display portion 36, estimated premium display portion 37. A payable amount display unit 38 is included.

  In the bar graph, the horizontal axis indicates the age, and the warning mark indicates an alert that calls attention. For example, the alert in the bar graph 31 indicating the time series change of the prepared situation indicates that the necessary preparation is insufficient. For example, the alert in the bar graph 32 indicating the time series change of the balance shows that the expenditure exceeds the income. For example, the alert in the bar graph 33 indicating the time series change of the insurance premium indicates that the total insurance premium exceeds the payable insurance premium amount. For example, the alert in the bar graph 34 indicating the time series change of the insurance purchase status indicates that the insurance purchase status is inappropriate.

  The current insurance premium display portion 36 displays the total insurance premium of the insurance that the customer is currently subscribed to. The estimated premium display unit 37 displays the total premium when the customer subscribes to the proposed insurance product. The payable amount display section 38 displays the amount of insurance premium that the customer can pay. The amount of insurance premium that the customer can pay is calculated based on, for example, the customer's personal information. For example, the amount of income is determined from the customer's annual income information, the amount of expenditure is statistically determined from information such as the customer's age, gender, and family composition, and the customer can pay depending on the difference between the amount of income and the amount of expenditure The amount of insurance premium is calculated. Note that the statistically determined spending amount can be changed by the customer according to his / her own situation, whereby the payable insurance premium amount more suitable for the customer can be calculated.

  The life plan simulation screen 30 makes it possible to visualize necessary provisions and excessive provisions for the customer, and to clarify the relationship between the customer situation and the insurance product. The customer selects the insurance product while referring to the result displayed on the life plan simulation screen 30, and changes the insurance condition of the insurance product. Thereby, an insurance product suitable for each customer can be proposed.

  When the “preparation” tab 39 is selected, a transition is made to the screen of FIG.

  FIG. 1D shows an example of a life plan simulation screen 40 of the insurance comparison proposal application used by the terminal device of the insurance salesperson.

  The life plan simulation screen 40 is a screen in which the area of the pie chart 35 of the life plan simulation screen 30 is changed to the insurance selection area 41. The insurance selection area 41 is an area for deselecting a proposed insurance product or selecting another insurance product. In the insurance selection area 41, insurance products surrounded by a solid line are insurance products proposed to customers, insurance products surrounded by a broken line are selectable insurance products, and insurance products surrounded by an alternate long and short dash line It is an insurance product that cannot be selected because the product exceeds the payable premium amount. The check mark indicates the insurance product that the customer is currently subscribed to. The insurance products displayed in the insurance selection area 41 may be rearranged according to the priority order. For example, the priority order may be an arbitrary order such as the order in which the insurance premium amount is low and the order in which the maximum security amount is high.

  In the insurance selection area 41, when the proposed insurance product is deselected and another insurance product is selected, the bar graphs 31, 32, 33, and 34 and the estimated insurance premium display unit 37 change accordingly. .

  When the insurance condition change button 42 is selected, the screen shown in FIG. 1E is popped up.

  FIG. 1E shows an example of the insurance condition change screen 50 of the insurance comparison proposal application used by the terminal device of the insurance salesperson.

  The insurance condition change screen 50 is a screen for changing the insurance conditions of the proposed insurance product. In the example shown in FIG. 1E, the insurance condition change screen 50 displays a question 51 related to insurance conditions, and allows a customer to input desired conditions in a Q & A format. Since the answer to the question 51 is associated with the insurance condition of each insurance product, the insurance condition can be changed by answering the question 51. This makes it easier for customers to imagine insurance conditions. For example, even a customer who does not come to the insurance condition that “the hospitalization benefit is 5,000 yen a day”, “If you are hospitalized, a cheap large room is better, or a higher cost but a comfortable private room. If it is a question “Is it OK?”, It is easy for customers to imagine insurance conditions. Thereby, the customer can appropriately change the insurance conditions so as to meet his needs.

  When the insurance condition of the proposed insurance product is changed on the insurance condition change screen 50, the insurance premium amount of the proposed insurance product fluctuates accordingly, and the bar graphs on the life plan simulation screens 30 and 40 are also displayed. 31, 32, 33, 34 and the estimated insurance premium display unit 37 are changed. The pie chart 35 on the life plan simulation screen 30 also changes.

  When the item setting tab 52 is selected, a transition is made to the screen of FIG. 1F.

  FIG. 1F shows an example of the insurance condition change screen 60 of the insurance comparison proposal application used by the terminal device of the insurance salesperson.

  The insurance condition change screen 60 is another screen for changing the insurance conditions of the proposed insurance product. In the example shown in FIG. 1F, the insurance condition change screen 60 displays a slide bar 61 for changing the insurance conditions for each item. The insurance condition is changed by moving the thumb portion 62 of the slide bar 61.

  When the insurance condition of the proposed insurance product is changed on the insurance condition change screen 60, the insurance premium amount of the proposed insurance product fluctuates accordingly, and the bar graphs on the life plan simulation screens 30 and 40 are also displayed. 31, 32, 33, 34 and the estimated insurance premium display unit 37 are changed. The pie chart 35 on the life plan simulation screen 40 also changes.

  In this way, the insurance comparison proposal application confirms the relationship between the customer's situation and the insurance product, the selection of the insurance product to be proposed to the customer, and the change of the insurance condition, which are determined based on the answer to the question to the customer Can be done. The insurance salesperson can support the customer's insurance choice based on the customer's realistic reaction. As a result, it is possible to propose insurance products suitable for each customer.

  The insurance comparison proposal application used by the terminal device of the insurance salesperson may be a web application used by the terminal device of the insurance salesperson via the web browser, or may be an application installed on the terminal device of the insurance salesperson. There may be.

  The insurance comparison proposal application is realized by a computer system for proposing insurance products to customers, which will be described below.

2. Diagram 2 of a computer system for proposing insurance products to customers is a diagram showing one exemplary configuration of a computer system 100 for proposing insurance products to the customer.

  The computer system 100 includes at least one terminal device 200, a server device 300 connected to the at least one terminal device 200 via a network 500, and a database unit 400 connected to the server device 300.

  The terminal device 200 can be any terminal device such as a smartphone, a tablet, or a personal computer. The terminal device 200 can communicate with the server device 300 via the network 500. Here, the type of the network 500 does not matter. For example, the terminal device 200 may communicate with the server device 300 via the Internet, or may communicate with the server device 300 via the LAN. Although three terminal devices 200 are depicted in FIG. 2, the number of terminal devices 200 is not limited to this. The number of terminal devices 200 may be any number greater than or equal to one.

  The server device 300 can communicate with at least one terminal device 200 via the network 500. For example, the server device 300 can acquire insurance product information from the database unit 400 connected to the server device 300 and transmit the acquired insurance product information to at least one terminal device 200. For example, the server device 300 can acquire customer personal information from the database unit 400 connected to the server device 300, and can transmit the acquired customer personal information to at least one terminal device 200.

  For example, insurance product information is stored in the database unit 400 connected to the server device 300. The insurance product information includes, but is not limited to, the name, type, insurance premium amount, underwriting insurance company, insurance period, insurance premium payment period, benefit amount, etc. of each insurance product. The database unit 400 stores customer personal information, for example. The customer's personal information includes, for example, each customer's name, age, occupation, annual income, family structure (eg, spouse's age, spouse's annual income, children's age, etc.), relative structure (eg, parents' age, siblings) Age, etc.), residence type (for example, presence / absence of loan, loan repayment amount, rent, etc.), hobby, contents of existing insurance contract, etc., but are not limited thereto. The database unit 400 can be implemented by any storage means.

  FIG. 3 shows an exemplary configuration of the terminal device 200.

  The terminal device 200 includes an interface unit 210, an input unit 220, a display unit 230, a memory unit 240, and a processor unit 250.

  The interface unit 210 controls communication via the network 500. The processor unit 250 of the terminal device 200 can receive information from the outside of the terminal device 200 via the interface unit 210, and can transmit information to the outside of the terminal device 200. The interface unit 210 can control communication by any method.

  The input unit 220 makes it possible to input information from the user to the terminal device 200. The input unit 220 makes it possible to input customer personal information to the terminal device 200, for example. The input unit 220 enables, for example, inputting an answer to the first question or an answer to the second question from the customer to the terminal device 200. It does not matter in what manner the input unit 220 can input information from the user into the terminal device 200. For example, when the input unit 220 is a touch panel, the user may input information by touching the touch panel. Alternatively, when the input unit 220 is a mouse, the user may input information by operating the mouse. Alternatively, when the input unit 220 is a keyboard, the user may input information by pressing a key on the keyboard. Alternatively, when the input unit 220 is a microphone, the user may input information by inputting sound into the microphone.

  The display unit 230 can be an arbitrary display for displaying information.

  The memory unit 240 stores a program for executing processing in the terminal device 200, data necessary for executing the program, and the like. The memory unit 240 stores, for example, a part or all of a program for proposing insurance products to a customer (for example, a program for realizing processing shown in FIG. 5 described later). The memory unit 240 may store an application that implements an arbitrary function. Here, it does not matter how the program is stored in the memory unit 240. For example, the program may be preinstalled in the memory unit 240. Alternatively, the program may be installed in the memory unit 240 by being downloaded via the network 500. The memory unit 240 can be implemented by any storage means.

  The processor unit 250 controls the operation of the entire terminal device 200. The processor unit 250 reads a program stored in the memory unit 240 and executes the program. Thereby, it is possible to make the terminal device 200 function as a device that executes a desired step. The processor unit 250 may be implemented by a single processor or may be implemented by a plurality of processors.

  In the example shown in FIG. 3, each component of the terminal device 200 is provided in the terminal device 200, but the present invention is not limited to this. Any one of the constituent elements of the terminal device 200 can be provided outside the terminal device 200. For example, when each of the input unit 220, the display unit 230, the memory unit 240, and the processor unit 250 is configured by separate hardware components, the hardware components may be connected via an arbitrary network. . At this time, the type of network is not limited. Each hardware component may be connected via a LAN, wirelessly connected, or wiredly connected, for example.

  FIG. 4 shows an exemplary configuration of the server device 300.

  The server device 300 includes an interface unit 310, a memory unit 320, and a processor unit 330.

  The interface unit 310 controls communication via the network 500. The interface unit 310 also controls communication with the database unit 400. The processor unit 330 of the server device 300 can receive information from the outside of the server device 300 via the interface unit 310, and can transmit information to the outside of the server device. The interface unit 310 can control communication by an arbitrary method.

  The memory unit 320 stores a program required for executing the processing of the server device 300, data required for executing the program, and the like. For example, a part or all of a program for proposing insurance products to a customer (for example, a program for realizing processing shown in FIG. 5 described later) is stored. The memory unit 320 can be implemented by any storage means.

  The processor unit 330 controls the overall operation of the server device 300. The processor unit 330 reads a program stored in the memory unit 320 and executes the program. Thereby, it is possible to make the server apparatus 300 function as an apparatus that executes a desired step. The processor unit 330 may be implemented by a single processor or may be implemented by a plurality of processors.

  In the example shown in FIG. 4, the database unit 400 is provided outside the server device 300, but the present invention is not limited to this. It is also possible to provide the database unit 400 inside the server device 300. At this time, the database unit 400 may be implemented by the same storage unit as the storage unit that implements the memory unit 320, or may be implemented by a storage unit that is different from the storage unit that implements the memory unit 320. In any case, the database unit 400 is configured as a storage unit for the server device 300. The configuration of the database unit 400 is not limited to a specific hardware configuration. For example, the database unit 400 may be configured with a single hardware component, or may be configured with a plurality of hardware components. For example, the database unit 400 may be configured as an external hard disk device of the server device 300 or may be configured as storage on the cloud connected via the network 500.

3. Processing in Computer System for Proposing Insurance Product to Customer FIG. 5 shows a procedure of processing for proposing insurance product to a customer as an example of processing in the computer system 100 for proposing insurance product to a customer. In the example shown in FIG. 5, an example in which each step of the process of proposing insurance products to a customer is executed in the server device 300, that is, a case where the insurance comparison proposal application is a web application executed on the server device 300 will be described. To do.

  In step S <b> 501, the processor unit 330 of the server device 300 receives the customer's personal information via the interface unit 310. The personal information of the customer may be transmitted from the terminal device 200 and received by the server device 300 via the network 500, or may be acquired from the database unit 400. When acquired from the database unit 400, first, customer information (for example, a contract number) for specifying a customer is received from the terminal device 200, and the database unit 400 is searched based on the received customer information. It may be. The customer's personal information includes, but is not limited to, the name, age, occupation, annual income, family structure, relative structure, residence form, hobby, existing insurance contract contents, etc. of each customer.

  In step S <b> 502, the processor unit 330 of the server device 300 receives an answer to the question for the customer transmitted from the terminal device 200 via the interface unit 310. The answer to the question to the customer can be arbitrary as long as the risk that the customer cares about can be identified in step S503. The question for the customer may be presented to the customer via, for example, a Q & A screen displayed on the terminal device 200, or presented to the customer by means other than the terminal device 200, for example, a paper question, a verbal question, or the like. May be. The question for the customer may be changed based on the personal information of the customer received in step S501. For example, the answer options for the question may be changed based on the customer personal information received in step S501.

  In step S503, the processor unit 330 of the server device 300 identifies the risk that the customer is concerned based on the customer personal information received in step S501 and the answer to the question received in step S502. .

  At least one of the answers to the question to the customer is associated with, for example, at least one of the plurality of risk candidates so that the risk that the customer is concerned about can be identified. Risk candidates include, for example, “family life”, “illness / injury”, “cancer”, “nursing care”, “retirement”, “student”, “accident”, “fire”, “theft”, etc. It is not limited to these. The processor unit 330 of the server device 300 identifies a risk that the customer is interested in based on at least one risk candidate associated with an answer to the question to the customer from among a plurality of risk candidates.

  FIG. 6A to FIG. 6C are tables for explaining an example of an association between an answer to a question to a customer and a plurality of risk candidates. In this example, a case where seven questions are presented to a customer will be described. The question is a question answered with Yes or No. In the table, the risk candidate associated with the answer “Yes” to each question is represented by “1”. For example, the answer “Yes” to the first question is associated with five risk candidates “family life”, “care”, “aged”, “accident”, and “fire”. The answer to Yes is associated with three risk candidates: “illness / injury”, “cancer”, and “care”, and the answer to Yes for the seventh question is “family life” , "Disease / Injury", "Cancer", and "Students" are associated with four risk candidates.

  Thus, for example, if the customer answers Yes to the first question, a flag of 1 is set for “family life”, “care”, “retirement”, “accident”, and “fire”. Will answer yes to the second question, will flag 1 for “illness / injury”, “cancer”, “care”, and the customer will answer yes to the seventh question. If you answer, “1” is set for “Family Life”, “Illness / Injury”, “Cancer”, “School”. By summing up these flags, a risk candidate that exceeds a predetermined threshold can be identified as a risk that the customer is concerned about.

For example, when seven questions are presented to customer A, the customer answers as shown in Table 1.

In this case, the flags are summed as shown in FIG. 6B. If the threshold is set to 1, risk that customer A cares about risk candidates exceeding 1, that is, “family life”, “illness / injury”, “cancer”, “care”, and “aged” Is identified.

For example, when seven questions are presented to the customer B, the customer answers as shown in Table 2.

In this case, the flags are summed as shown in FIG. 6C. If the threshold is set to 1, the risk candidates exceeding 1, that is, “accident”, “fire”, and “theft” are identified as the risks that the customer B is concerned about.

  The number of questions described above is an example. Any number of questions can be used to identify the risks that the customer is concerned about. The above-described question answering method is an example. The risk that the customer is concerned about can be specified using a question of an arbitrary answering method (for example, multiple choice type, description type, etc.). For example, when using multiple choice questions, each option may be associated with at least one of a plurality of risk candidates. For example, in the case of the question shown in FIG. 1A, among the customer's anxiety factors, the options “for emergency (death or severe disability)” include “family life”, “illness / injury”, and “care” risk candidates. The risk candidates of “family life”, “retirement”, and “student resources” can be associated with the option of “being unable to work”.

  The association of the answer to the above-mentioned question to the customer and the plurality of risk candidates is an example. These associations may be fixed for each customer or may vary. When it fluctuates, you may make it fluctuate based on the customer's personal information received by step S501.

  The process of proposing insurance products to the customer may include step S503 'instead of step S503 described above. In step S503 ′, the processor unit 330 of the server apparatus 300 adds to the risk that the customer cares about based on the customer personal information received in step S501 and the answer to the question received in step S502. Identify the level of security that the customer wants.

  At least one of the answers to the customer's questions is defined, for example, by an axis that indicates the customer's planability and an axis that indicates the customer's anxiety so that the customer can specify the degree of security desired. Associated with one of the four quadrants of the plane. The processor unit 330 of the server device 300 specifies the degree of guarantee desired by the customer based on one of the four quadrants associated with the answer to the question to the customer.

  FIG. 7A shows a plane 700 defined by an axis indicating customer planning and an axis indicating customer anxiety.

  In FIG. 7A, the vertical axis is an axis indicating customer planning, and the horizontal axis is an axis indicating customer anxiety. The first quadrant 701 is a quadrant that shows high planability and high anxiety. The second quadrant 702 is a quadrant that shows high planning and low anxiety. The third quadrant 703 is a quadrant indicating that the planability is low and the sense of anxiety is low. The fourth quadrant 704 is a quadrant indicating that the planability is low and the anxiety is high. Each quadrant is associated with one of a plurality of levels of security. For example, the first quadrant 701 is associated with the thickest security degree, the fourth quadrant 704 is associated with the second thickest security degree, the second quadrant 702 is associated with the third thickest security degree, Preferably quadrant 703 is associated with the thinnest degree of security. This is based on the logic that customers with a high level of anxiety want a generous guarantee, and customers with a high degree of planning also want a generous guarantee.

  The answer to the customer question is associated with one of the four quadrants. For example, if the question to the customer is a question that directly asks the customer's planning and anxiety as shown in FIG. 1B, the answer to the question is directly in one of four quadrants. Associated with each other. For example, when the customer A selects “I am taking measures” from the option 21 in FIG. 1B and selects “I feel anxious” from the option 22 in FIG. 1B, the customer A has a high planability and anxiety. Therefore, the answer of the customer A is associated with the first quadrant 701, and the degree of guarantee desired by the customer A is specified as the most profound. For example, when the customer B selects “not taking measures” from the option 21 in FIG. 1B and selects “not so uneasy” from the option 22 in FIG. 1B, the planability of the customer B is low, and Since it is determined that the feeling of anxiety is low, the answer of customer B is associated with the third quadrant 703, and the degree of guarantee desired by customer B is specified as the lightest.

  For example, the question for the customer may be a question that indirectly asks the customer's planning and anxiety.

  FIG. 7B to FIG. 7C are tables for explaining an example of an association between an answer to a question to a customer and customer's planning and anxiety. In this example, a case where five questions are presented to a customer will be described. The question is a question answered with Yes or No. In the table, “1” represents the high level of planning and the high level of anxiety associated with the answer “Yes” to each question. For example, the answer to Yes for the first question is associated with high planning and low anxiety, and the answer to Yes for the second question has low planning and anxiety. The answer to Yes for the fifth question is associated with low anxiety.

  Thus, for example, if the customer answers Yes to the first question, a flag of 1 is set for high planning and low anxiety, and the customer answers Yes to the second question. If you answer, a flag of 1 is set for low planability and high anxiety .... If a customer answers Yes to the seventh question, 1 for low anxiety. A flag stands. These flags are summed up, and those exceeding a predetermined threshold can be identified as customer planning and anxiety.

For example, when five questions are presented to the customer C, the customer answers as shown in Table 3.

In this case, the flags are summed as shown in FIG. 7C. Here, when the threshold is set to 1, it is specified that the planning ability and anxiety exceeding 1, that is, the planning ability is high and the anxiety is low.

  As a result, the answer of the customer C is associated with the second quadrant 702, and the degree of guarantee desired by the customer C is specified as the third most probable.

  The number of questions described above is an example. Any number of questions can be used to identify customer planning and anxiety. The above-described question answering method is an example. A customer's planability and anxiety can be specified using a question of an arbitrary answering method (for example, multiple-choice type, description type, etc.). For example, when using multiple-choice questions, each option may be associated with at least one of high planning or low planning and high or low anxiety. .

  The association of the answer to the above-mentioned question to the customer with the customer's planning and anxiety is an example. These associations may be fixed for each customer or may vary. When it fluctuates, you may make it fluctuate based on the customer's personal information received by step S501.

  Based on the customer personal information received in step S501, the customer's personal information received in step S501 and the risk that the customer is interested in and / or the degree of security desired by the customer are specified. The risk that the customer is concerned about and / or the degree of security that the customer desires may be associated. For example, personal information such as the customer's age and gender may be associated with a risk that the customer cares about. In this case, based on the personal information of the customer's age and gender, for example, the risk that a man over 60 years old cares about is “cancer” and “care”, and a woman over 30 years old and under 40 years old It is possible to specify that the risk applied to the disease is “illness / injury” or “accident”. For example, personal information such as a customer's family structure may be associated with a risk that the customer cares about. In this case, based on the personal information of the customer's family structure, for example, it is possible to specify that the risk that a customer who has a child under 10 years of age is concerned is “student fund”. For example, personal information such as the number of contracts already signed by the customer may be associated with the degree of security desired by the customer. In this case, based on the personal information such as the number of insurance contracts already signed by the customer, for example, it can be specified that the degree of security desired by a customer who has contracted five or more insurances is the strongest.

  Independently of the customer's personal information received in step S501, the customer is aware of the risks he / she cares about and / or the degree of security he / she desires. Based on the answers to the questions, identify the risks that the customer is interested in and / or the level of security that the customer wants, and from those common parts, the risks that the customer cares about and / or the security that the customer wants You may make it specify the grade of. Alternatively, the customer's personal information received in step S501 and the answer to the customer's question received in step S502 are used in combination to determine the risk that the customer is concerned about and / or the degree of security that the customer desires. It may be specified.

  Referring to FIG. 5 again, in step S504, the processor unit 330 of the server apparatus 300 determines at least one insurance product to be proposed to the customer based on the risk that the customer specified in step S503 cares about.

  Each of the plurality of risk candidates is associated with at least one insurance product so that at least one insurance product to be proposed to the customer can be determined. For example, the risk candidate “family life” may be associated with at least one life insurance. For example, the risk candidate “illness / injury” may be associated with at least one medical insurance. For example, the risk candidate “fire” may be associated with at least one fire insurance. For example, the risk candidate “theft” may be associated with at least one theft insurance. An arbitrary insurance product can be associated with each of the plurality of risk candidates. For example, a plurality of types of insurance products (for example, two types of insurance products, life insurance and financial insurance) may be associated with one risk candidate.

  As a result, at least one insurance product is associated with the risk that the customer specified from the plurality of risk candidates in step S503 is concerned. The processor unit 330 of the server device 300 determines the at least one associated insurance product as at least one insurance product to be proposed to the customer. The insurance product information of the determined at least one insurance product is transmitted to the terminal device 200 via the network 500. The terminal device 200 receives the insurance product information of at least one insurance product via the network 500 and displays it on the display unit 230, so that at least one insurance product is proposed to the customer.

  The process of proposing insurance products to the customer may include step S504 'instead of step S504 described above. In step S504 ′, the processor unit 330 of the server apparatus 300 uses the risk identified by the customer identified in step S503 ′ and the degree of security desired by the customer to be proposed to the customer. Determine insurance products.

  Each of the four quadrants of the plane defined by the customer planning axis and the customer anxiety axis is at least one insurance product so that at least one insurance product to be proposed to the customer can be determined. Associated with. For example, the first quadrant 701 may be associated with the insurance product with the most profound security (eg, life insurance with the profound security, medical insurance with the profound security, cancer insurance with the profound security, etc.). For example, quadrant 704 is the insurance product with the second-best security (eg, life insurance with the second-best security, medical insurance with the second-best security, cancer insurance with the second-best security) Etc.). Quadrant 702 is the insurance product with the third-best security (for example, life insurance with the third-best security, medical insurance with the third-best security, cancer insurance with the third-best security, etc.) Can be associated with Third quadrant 703 may be associated with an insurance product having the thinnest security (eg, life insurance with the thinnest security, medical insurance with the thinnest security, cancer insurance with the thinnest security, etc.).

  As a result, at least one insurance product is associated with the degree of guarantee desired by the customer identified from the four quadrants of the plane in step S503 '.

  The processor unit 330 of the server device 300 includes, for example, at least one insurance product associated with the risk that the customer cares about and at least one insurance product associated with the degree of security desired by the customer. At least one insurance product in common is determined as at least one insurance product to be proposed to the customer. For example, at least one insurance product associated with a risk that the customer is concerned about is life insurance with the best security, life insurance with the second best security, life insurance with the third best security, and Life insurance with the thinnest security, and at least one insurance product associated with the degree of security desired by the customer is the life insurance with the thickest security, the medical insurance with the thickest security, and the most In the case of cancer insurance having a generous insurance, the life insurance having the most promising insurance among a plurality of life insurances is determined as at least one insurance product to be proposed to the customer. The insurance product information of the determined at least one insurance product is transmitted to the terminal device 200 via the network 500. The terminal device 200 receives the insurance product information of at least one insurance product via the network 500 and displays it on the display unit 230, so that at least one insurance product is proposed to the customer.

  In step S505, the processor unit 330 of the server apparatus 300 changes the insurance condition of at least one insurance product determined in step S504 or step S504 '. For example, the processor unit 330 receives information input to the input unit 220 of the terminal device 200 via the interface unit 310, and changes insurance conditions based on the received information. The information input to the input unit 220 of the terminal device 200 may be, for example, an answer to a question regarding insurance conditions as illustrated in FIG. 1E, or may be a direct insurance condition as illustrated in FIG. 1F, for example. It may be a change. When the input information is an answer to the question about the insurance condition, the insurance condition can be changed based on the answer by associating the answer to the question with the corresponding insurance condition. For example, by presenting the screen displayed in FIG. 1E to the customer and allowing the customer to change the insurance conditions, the customer can easily imagine the insurance conditions and appropriately change the insurance conditions to meet his needs. be able to. For example, it is possible to add animation or animation to a screen presented to the customer in order to change the insurance conditions, thereby making it easier for the customer to visualize the insurance conditions.

  In step S506, the processor unit 330 of the server apparatus 300 changes the insurance premium amount of the insurance product in response to the change of the insurance condition in step S505.

  In the example described above, the example in which each step of the process of proposing insurance products to the customer is executed in the server device 300 has been described, but the present invention is not limited to this. Each step of the process of proposing insurance products to a customer can be executed by another information processing apparatus including a processor unit. For example, each step of the process of proposing insurance products to customers can be executed by the processor unit 250 of the terminal device 200. This is a case where, for example, an application installed in the terminal device 200 implements a process for proposing insurance products to a customer.

  In this case, in step S501, the processor unit 250 of the terminal device 200 receives the customer's personal information input from the customer to the input unit 220, or is stored in the database unit 400 via the interface unit 310. Receive customer personal information.

  In step S <b> 502, the processor unit 250 of the terminal device 200 receives an answer to the question for the customer input from the customer to the input unit 220.

  In step S503, the processor unit 250 of the terminal device 200 identifies the risk that the customer cares about based on the customer personal information received in step S501 and the answer to the question received in step S502. . Specific processing is the same as the processing performed by the processor unit 330 of the server device 300. Based on the customer personal information received in step S501 and the answer to the customer question received in step S502, the processor unit 250 of the terminal device 200, in addition to the risk that the customer cares about, the customer desires You may also specify the level of security you have.

  In step S504, the processor unit 250 of the terminal device 200 determines at least one insurance product to be proposed to the customer based on the risk that the customer specified in step S503 is concerned about. Specific processing is the same as the processing performed by the processor unit 330 of the server device 300. At this time, the terminal device 200 can inquire the server device 300 and acquire the insurance product information stored in the database unit 400. The processor unit 250 of the terminal device 200 may determine at least one insurance product to be proposed to the customer based on the degree of security desired by the customer in addition to the risk that the customer cares about.

  In step S505, the processor unit 250 of the terminal device 200 changes the insurance condition of at least one insurance product determined in step S504. For example, the processor unit 250 receives information input to the input unit 220 and changes insurance conditions based on the received information.

  In step S506, the processor unit 250 of the terminal device 200 changes the insurance premium amount of the insurance product in response to the change of the insurance condition in step S505.

  When each step of the process of proposing insurance products to the customer is executed by the processor unit 250 of the terminal device 200, the memory unit 240 of the terminal device 200 stores a program that realizes the process of proposing insurance products to the customer. In short, the memory unit 320 of the server device 300 does not need to store a program for realizing a process of proposing insurance products to customers.

  In the above-described example, the case where the insurance product is proposed to the customer using the computer system 100 has been described as an example, but the proposed target is not limited to the insurance product. Computer systems that can offer any product or service to a customer are also within the scope of the present invention. Any product or service may be any product or service capable of determining at least one based on the customer's personal information and answers to questions to the customer.

  Any product or service may be, for example, a product or service that involves the risk of price fluctuations over time. Products or services that involve the risk of price fluctuations over time include, for example, financial products such as deposits, mutual funds, stocks, government bonds, foreign currencies, commodities, and the like. For example, prices of these financial products fluctuate due to a plurality of factors such as a political situation, an international situation, an economic situation, and a timing. For example, some financial products have prices that fluctuate greatly in response to changes in the political situation, others have prices that fluctuate greatly in response to changes in the international situation, and financial products whose prices fluctuate greatly in response to economic conditions. There is also. In addition, these financial products differ in magnitude of profit and magnitude of loss. For example, there are high-risk, high-return financial products that have large profits but high losses, and low-risk low-return financial products that have low profits but low losses. Depending on the customer's portfolio, the risks that the customer cares about, and the degree of profits that the customer wants, the products or services that each customer should propose may vary. According to the computer system of the present invention, it is possible to propose products or services that meet the potential or original needs of each customer to the customer.

  A computer system for proposing an arbitrary product or service to a customer can have a configuration similar to that of the computer system 100, and a product or service can be proposed to the customer by the same processing as the computer system 100.

  In step S <b> 501, the processor unit 330 of the server device 300 receives the customer's personal information via the interface unit 310. The customer's personal information includes, but is not limited to, the name, age, occupation, annual income, family structure, relative structure, residence form, hobby, owned portfolio, etc. of each customer.

  In step S <b> 502, the processor unit 330 of the server device 300 receives an answer to the question for the customer transmitted from the terminal device 200 via the interface unit 310. The answer to the question to the customer can be arbitrary as long as the risk that the customer cares about can be identified in step S503.

  In step S503, the processor unit 330 of the server device 300 identifies the risk that the customer is concerned based on the customer personal information received in step S501 and the answer to the question received in step S502. . For example, if the product or service is a financial product, the risk that the customer is concerned about is the risk that the price fluctuates according to changes in the political situation, the risk that the price fluctuates according to changes in the international situation, the economy This includes, but is not limited to, the risk that the price fluctuates according to changes in the situation and the risk that the price fluctuates according to the time.

  The process of proposing goods or services to the customer may include step S503 'instead of step S503 described above. In step S503 ′, the processor unit 330 of the server apparatus 300 adds to the risk that the customer cares about based on the customer personal information received in step S501 and the answer to the question received in step S502. Identify the level of profit the customer wants.

  The degree of profit desired by the customer may be, for example, the degree of profit and loss desired by the customer when the goods or services are financial products. The degree of profit desired by the customer can be, for example, the degree of security desired by the customer as described above when the goods or services are the insurance products described above.

  Referring again to FIG. 7A, if the product or service is a financial product, for example, the first quadrant 701 is associated with the degree of profit or loss that has the least profit but the least loss, and the fourth quadrant 704 is the second. The second quadrant 702 is associated with the profit and loss level of the third smallest profit and the third smallest profit and loss, and the third quadrant 703 is It is preferably related to the degree of profit or loss that has the largest profit but the largest loss. This is because customers with a high level of anxiety desire firm profits, and customers with high planability also desire firm profits.

  In step S503 or step S503 ′, in step S501, the risk that the customer is interested in and / or the degree of profit that the customer wants is specified based on the personal information of the customer received in step S501. The received customer personal information may be associated with the risk that the customer is concerned about and / or the degree of benefit that the customer desires. For example, personal information such as the customer's age and gender may be associated with a risk that the customer cares about. For example, personal information such as a portfolio owned by a customer may be associated with a risk that the customer cares about. For example, personal information such as a portfolio owned by the customer may be associated with the degree of profit desired by the customer.

  Independently of the customer's personal information received in step S501, the customer is aware of the risks he / she is interested in and / or the level of benefit he / she desires. Based on the answers to the questions, identify the level of risk that the customer is interested in and / or the benefit that the customer wants, and from those common parts, the risk that the customer cares about and / or the benefit that the customer wants You may make it specify the grade of. Alternatively, the customer's personal information received in step S501 and the answer to the customer's question received in step S502 are used in combination to determine the risk that the customer is concerned about and / or the degree of benefit that the customer desires. It may be specified.

  In step S504, the processor unit 330 of the server device 300 determines at least one product or service to be proposed to the customer based on the risk that the customer specified in step S503 is concerned about. For example, each of the plurality of risk candidates is associated with at least one product or service. For example, if the product or service is a financial product, the risk that the price fluctuates according to changes in the political situation may be associated with, for example, government bonds, and the risk that the price fluctuates according to changes in the international situation is, for example, Can be associated with foreign currency.

  As a result, at least one product or service is associated with the risk that the customer identified from the plurality of risk candidates in step S503 cares about.

  The process of proposing a product or service to the customer may include step S504 'instead of step S504 described above. In step S504 ′, the processor unit 330 of the server apparatus 300 makes at least one proposal to the customer based on the risk that the customer specified in step S503 ′ and the degree of profit desired by the customer. Determine goods or services. For example, each of the four quadrants of a plane defined by an axis indicating customer planning and an axis indicating customer anxiety is associated with at least one product or service. For example, if the product or service is a financial product, the first quadrant 701 of FIG. 7A may be associated with a low-risk low-return financial product with low profit but low loss, and the third quadrant 703 of FIG. It can be associated with high risk, high return financial products that are large but also lossy.

  As a result, at least one product or service is associated with the degree of profit desired by the customer identified from the four quadrants of the plane in step S503 '.

  The processor unit 330 of the server device 300 includes, for example, at least one product or service associated with a risk that the customer is interested in and at least one product or service associated with the degree of profit desired by the customer. At least one product or service is determined as at least one product or service to be proposed to the customer.

  In step S505, the processor unit 330 of the server device 300 changes the transaction condition of at least one product or service determined in step S504 or step S504 '. For example, when the product or service is a financial product, the transaction condition may be a transaction condition such as a purchase amount. For example, when the goods or services are the insurance products described above, the transaction conditions may be the insurance conditions as described above.

  In step S506, the processor unit 330 of the server device 300 changes the transaction amount of the product or service in response to changing the transaction condition in step S505. For example, when the product or service is the insurance product described above, the transaction amount may be the insurance premium amount as described above.

  In the example described above, an example in which each step of the process of proposing a product or service to a customer is executed in the server device 300 has been described, but the present invention is not limited to this. Each step of the process of proposing a product or service to a customer can be executed by another information processing apparatus including a processor unit. For example, each step of the process of proposing a product or service to a customer can be executed by the processor unit 250 of the terminal device 200. This is a case where, for example, an application installed in the terminal device 200 implements a process for proposing a product or service to a customer.

  The present invention is not limited to the embodiment described above. It is understood that the scope of the present invention should be construed only by the claims. It is understood that those skilled in the art can implement an equivalent range based on the description of the present invention and the common general technical knowledge from the description of specific preferred embodiments of the present invention.

  The present invention is useful for providing a computer system, method, and program for proposing products and services such as insurance to customers from the customer's perspective.

100 Computer System 200 Terminal Device 300 Server Device 400 Database Unit 500 Network

Claims (10)

Means for receiving customer personal information;
Means for receiving a reply to a question with respect to the customer, questions with respect to the customers, and the risk that the customer is care, Ri question der about the living conditions of the customer after the events related to the risk has occurred future And the answer to the question to the customer is associated with one of four quadrants of a plane defined by an axis indicating the customer's planability and an axis indicating the customer's anxiety, Each of the four quadrants is associated with one of a plurality of stages of measure of benefit ;
Means for determining at least one product or service to be proposed to the customer based on the personal information of the customer and an answer to the question to the customer, the means for determining comprising four quadrants of the plane; Among them, based on one quadrant associated with the answer to the question to the customer, the degree of profit desired by the customer is specified, the customer's personal information, the answer to the question to the customer, And determining means for determining at least one product or service to be proposed to the customer based on the degree of profit . The product or service is an insurance product;
The degree of benefit the customer wants, the customer is a degree of security that is desired, a computer system according to claim 1. The risk that the customer is concerned is at least one of a plurality of risk candidates,
Each of the plurality of risk candidates is associated with at least one product or service;
Each of the four quadrants of the plane is associated with at least one product or service;
The means for determining includes: the customer identified based on at least one product or service associated with a risk that the customer is concerned about and the one quadrant associated with an answer to a question for the customer. determining at least one product or service common to the at least one product or service associated with the degree of benefit and wants as at least one product or service to be proposed to the customer, according to claim 1 Computer system. The computer system according to any one of claims 1 to 3 , wherein the question to the customer is changed based on personal information of the customer. Means for changing transaction conditions of the determined at least one product or service;
In response to change at least one product or service transaction conditions the determined, and means for changing the transaction amount of the goods or services, according to any one of claims 1-4 Computer system. The customer further comprises display means for displaying a simulation result in the case of performing transactions of at least one product or service that is the determined, the computer system according to any one of claims 1-5. The simulation result includes a time-series change in the situation of the customer, a time-series change in the balance of the customer, a time-series change in the transaction amount of the determined at least one product or service, the at least one determined The computer system according to claim 6 , comprising at least one of time-series changes in a transaction status of a product or service, and a ratio of a transaction amount of each product or service to a total of the transaction amounts. Means for changing a transaction condition of the determined at least one product or service;
The computer system according to claim 6 or 7 , wherein the simulation result varies when the transaction condition is changed. A program executed in a computer system, wherein the computer system includes a processor unit, and when the program is executed,
Receiving customer personal information;
The method comprising: receiving an answer to the question with respect to the customer, questions with respect to the customers, and the risk that the customer is care, Ri question der about the living conditions of the customer after the events related to the risk has occurred future And the answer to the question to the customer is associated with one of four quadrants of a plane defined by an axis indicating the customer's planability and an axis indicating the customer's anxiety, Each of the four quadrants is associated with one of a plurality of stages of benefit, and
Determining at least one product or service to be proposed to the customer based on the customer's personal information and an answer to the question to the customer , wherein the determination is performed in four quadrants of the plane. Among them, based on one quadrant associated with the answer to the question to the customer, the degree of profit desired by the customer is specified, the customer's personal information, the answer to the question to the customer, Determining at least one product or service to be proposed to the customer based on the degree of profit, and causing the processor unit to perform processing. A method performed in a computer system, the method comprising:
Receiving customer personal information;
The method comprising: receiving an answer to the question with respect to the customer, questions with respect to the customers, and the risk that the customer is care, Ri question der about the living conditions of the customer after the events related to the risk has occurred future And the answer to the question to the customer is associated with one of four quadrants of a plane defined by an axis indicating the customer's planability and an axis indicating the customer's anxiety, Each of the four quadrants is associated with one of a plurality of stages of benefit, and
Determining at least one product or service to be proposed to the customer based on the customer's personal information and an answer to the question to the customer , wherein the determination is performed in four quadrants of the plane. Among them, based on one quadrant associated with the answer to the question to the customer, the degree of profit desired by the customer is specified, the customer's personal information, the answer to the question to the customer, Determining at least one product or service to be proposed to the customer based on the degree of profit .