JP6431241B1 - Terminal device for supporting application for insurance by applicant, and server device provided in communication with this terminal device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a terminal device capable of efficiently supporting an insurance application by an applicant. A terminal device according to one aspect is a terminal device that supports an application for insurance by an applicant, wherein a first input means for inputting a mobile phone number of the applicant, and the mobile phone number First transmitting means for transmitting a first short message service including the first key code to the server device via the communication line, and a second signal from the applicant. A second input means for inputting the key code, and when the second key code matches the first key code, indicates that the insurance fee related to the insurance has been received for the mobile phone number Second transmission means for transmitting a second signal instructing transmission of a second short message service including a message to the server device via a communication line. [Selection] FIG.

Description

  The technology disclosed in the present application relates to a terminal device that supports an application for insurance by an applicant, a server device provided in the terminal device so as to be communicable, and the like.

  As a terminal device that supports an application for insurance by an applicant, one disclosed in Japanese Patent No. 5706857 (Patent Document 1) is known.

Japanese Patent No. 5706857

  Recently, there is a demand for a terminal device that can more efficiently support an insurance application by an applicant. Thus, according to various embodiments, a terminal device capable of efficiently supporting an insurance application by an applicant is provided.

  A terminal device according to one aspect is a terminal device that supports an application for insurance by an applicant, and includes a first input means for inputting the applicant's mobile phone number, and a first input for the mobile phone number. A first transmission means for transmitting a first signal instructing to transmit a first short message service including a key code to a server device via a communication line; and a second key code from the applicant. A second input means for inputting and a message including a message indicating that the insurance fee related to the insurance has been received for the mobile phone number when the second key code matches the first key code. And a second transmission means for transmitting a second signal instructing to transmit the second short message service to the server device via a communication line.

  The server device according to an aspect is a server device provided to be able to communicate with a terminal device that supports an application for insurance by an applicant, and transmits a first short message service to the mobile phone number of the applicant. A first receiving means for receiving from the terminal device via a communication line a first signal for instructing to do so, and a first key for the mobile phone number in response to the first signal A first transmission means for transmitting a first short message service including a code, and the mobile phone from the terminal device that has determined that a second key code input from the applicant matches the first key code. Second receiving means for receiving from the terminal device a second signal for instructing the number to transmit the second short message service from the terminal device; A second transmission means for transmitting, via a communication line, a second short message service including a message indicating that the insurance fee related to the insurance has been received for the mobile phone number It has.

  A method according to an aspect is a method executed by a terminal device that supports an application for insurance by an applicant, the step of inputting a mobile phone number of the applicant, and a first for the mobile phone number Transmitting a first signal instructing to transmit a first short message service including a key code to a server device via a communication line; and inputting a second key code from the applicant; When the second key code matches the first key code, a second short message service including a message indicating that the insurance fee related to the insurance has been received is transmitted to the mobile phone number. Transmitting a second signal instructing to the server device to the server device via a communication line.

  A method according to another aspect is a method executed by a server device provided so as to be communicable with a terminal device that supports an application for insurance by an applicant, wherein the first mobile phone number of the applicant is a first one. Receiving a first signal instructing to transmit a short message service from the terminal device via a communication line; and in response to the first signal, a first signal for the mobile phone number A step of transmitting a first short message service including a key code via a communication line; and from the terminal device that determines that a second key code input from the applicant matches the first key code; Receiving a second signal for instructing to transmit a second short message service to the mobile phone number from the terminal device via a communication line; In response to the signal, the second short message service including a message indicating that receipt of the premium relating to the insurance against the mobile telephone number, and transmitting through a communication line, it is intended to include.

  A computer program according to one aspect includes a first input means for inputting a mobile phone number of the applicant, which is included in a terminal device that supports an application for insurance by the applicant, 1st transmission means which transmits the 1st signal which instruct | indicates to transmit the 1st short message service containing 1 key code to a server apparatus via a communication line, 2nd key code from the said applicant And a message indicating that the insurance premium related to the insurance has been received for the mobile phone number when the second key code matches the first key code. As a second transmission means for transmitting a second signal instructing transmission of the second short message service to the server apparatus via a communication line. It is intended to be.

  According to another aspect, a computer program includes a first short circuit for a mobile phone number of an applicant included in a server device that is communicable with a terminal device that supports application for insurance by the applicant. A first receiving means for receiving a first signal instructing to transmit a message service from the terminal device via a communication line; in response to the first signal, a first signal for the mobile phone number; A first transmission means for transmitting a first short message service including a key code of 1 via a communication line; a second key code input from the applicant is determined to match the first key code; A second signal instructing that the second short message service is transmitted from the terminal device to the mobile phone number is transmitted through the communication line. And a second short message service including a message indicating that the insurance fee related to the insurance has been received for the mobile phone number in response to the second signal. , To function as a second transmission means for transmitting via a communication line.

  A terminal device according to yet another aspect is a terminal device that supports an application for insurance by an applicant, the storage unit storing a threshold and a discount rate related to a monthly premium in association with each of a plurality of ranks, The monthly premium for insurance is calculated as the standard monthly premium, the rank corresponding to the maximum threshold reached by the standard monthly premium is determined as the current rank, and the unit security amount is N times (where N is 1 or more) Natural means) by increasing the calculation means configured to calculate the virtual monthly premium that reaches the threshold corresponding to the next higher rank for the first time, and corresponding to the next higher rank for the virtual monthly premium If the amount calculated by applying the discount rate is less than the amount calculated by applying the discount rate corresponding to the current rank to the base monthly premium Display means for displaying on the display section a message for proposing to the applicant that the security amount related to the covered insurance is increased by the proposed security amount calculated by multiplying the unit security amount by N; It comprises.

  A terminal device according to yet another aspect is a terminal device that supports an application for insurance by an applicant, and stores a threshold for insurance money and a discount rate for a monthly premium in association with each of a plurality of ranks And the monthly premium related to the insurance is calculated as a standard monthly premium, the insurance related to the insurance is calculated as the standard insurance, and the rank corresponding to the maximum threshold reached by the standard insurance is determined as the current rank. And calculating means configured to calculate the virtual insurance money that reaches the threshold corresponding to the next higher rank for the first time by increasing the unit security amount by N times (where N is a natural number of 1 or more). The amount calculated by applying the discount rate corresponding to the next higher rank to the virtual monthly premium when the unit security amount is increased N times is When the monthly premium is less than the amount calculated by applying the discount rate corresponding to the current rank, the amount of insurance related to the insurance is calculated by the amount of the proposed security calculated by multiplying the unit security amount by N. Display means for displaying on the display section a message for proposing to the applicant to increase the amount.

  A method according to another aspect is a method executed by a terminal device that supports an application for insurance by an applicant, and storing a threshold and a discount rate related to a monthly premium in association with each of a plurality of ranks The monthly premium related to the insurance is calculated as a standard monthly premium, the rank corresponding to the maximum threshold reached by the standard monthly premium is determined as the current rank, and the unit security amount is N times (however, N And calculating a virtual monthly premium that reaches the threshold corresponding to the next higher rank for the first time by increasing the discount rate corresponding to the next higher rank in the virtual monthly premium When the amount calculated by applying the discount rate is lower than the amount calculated by applying the discount rate corresponding to the current rank to the base monthly premium, And displaying a message to suggest that it will increase the entitlement amount on insurance that is only the target proposed entitlement amount calculated by multiplying the N to the unit entitlement amount to the applicant on the display unit, it is intended to include.

  Further, a computer program according to another aspect includes a storage unit that stores a threshold and a discount rate related to a monthly premium in association with each of a plurality of ranks included in a terminal device that supports an application for insurance by an applicant. , The monthly premium related to the insurance is calculated as a standard monthly premium, the rank corresponding to the maximum threshold reached by the standard monthly premium is determined as the current rank, and the unit security amount is N times (where N is A calculation means configured to calculate a virtual monthly premium that first reaches a threshold corresponding to the next higher rank by increasing the amount, and the next higher rank to the virtual monthly premium The amount calculated by applying the discount rate corresponding to the rank applies the discount rate corresponding to the current rank to the base monthly premium. A message proposing to the applicant that the amount of insurance related to the covered insurance should be increased by the amount of the proposed security calculated by multiplying the unit security amount by N. It functions as a display means for displaying on the display unit.

  A terminal device according to yet another aspect is a terminal device that supports an application for insurance by an applicant, and includes voice input means for inputting first voice information related to a voice uttered as a symptom related to injury or illness by the applicant. Voice recognition means for converting the first voice information into first character information; and transmission means for sending the first character information to a server device via a communication line as a part of the notice information related to the insurance; Are provided.

  A method according to yet another aspect is a method executed by a terminal device that supports an application for insurance by an applicant, and inputs first audio information related to an audio uttered as a symptom related to injury or illness by the applicant Converting the first voice information into first character information; transmitting the first character information to a server device via a communication line as a part of notification information about the insurance; Is included.

  A computer program according to yet another aspect includes a computer that inputs first audio information related to a voice uttered as a symptom related to injury or illness by the applicant, which is included in a terminal device that supports an application for insurance by the applicant. Input means, voice recognition means for converting the first voice information into first character information, and transmitting the first character information to the server device via a communication line as part of the notice information relating to the insurance It functions as a transmission means.

FIG. 1 is a block diagram schematically illustrating an example of a configuration of a support system according to an embodiment. FIG. 2 is a block diagram showing an example of the configuration of the server device 10 used in the support system 1 shown in FIG. FIG. 3 is a block diagram showing an example of the configuration of the terminal device 30 used in the support system 1 shown in FIG. FIG. 4 is a block diagram illustrating an example of functions of the server device 10 used in the support system 1 illustrated in FIG. FIG. 5 is a block diagram illustrating an example of functions of the terminal device 30 used in the support system 1 illustrated in FIG. FIG. 6 is a schematic diagram showing an example of the overall operation performed in the support system shown in FIG. FIG. 7 is a schematic diagram showing an example of a proposed plan displayed by the terminal device 30 used in the support system 1 shown in FIG. FIG. 8 is a schematic diagram showing an example of a proposal message displayed on the display unit of the terminal device 30 used in the support system shown in FIG. FIG. 9 shows an example of a technique that can be used when the terminal device 30 used in the support system 1 shown in FIG. 1 determines whether the insurance premium can be reduced by increasing the security amount of the selected security. FIG. FIG. 10 is a table conceptually showing an example of information stored in the storage unit of the terminal device 30 used in the support system 1 shown in FIG. FIG. 11 is a table conceptually showing an example of information used to create a proposal message by the terminal device 30 used in the support system 1 shown in FIG. FIG. 12 shows another method that can be used when the terminal device 30 used in the support system 1 shown in FIG. 1 determines whether the insurance premium can be reduced by increasing the security amount of the selected security. It is a flowchart which shows an example. FIG. 13 is a table conceptually showing another example of information stored in the storage unit of the terminal device 30 used in the support system 1 shown in FIG. FIG. 14 is a table conceptually showing another example of information used for creating a proposal message by the terminal device 30 used in the support system 1 shown in FIG. FIG. 15 is a schematic diagram illustrating an example of a screen displayed when the notification information is input by the terminal device 30 used in the support system 1 illustrated in FIG. 1. FIG. 16 is a schematic diagram illustrating another example of a screen displayed when notification information is input by the terminal device 30 used in the support system 1 illustrated in FIG. 1. FIG. 17 is a table showing an example of keywords that are stored in association with each of a plurality of wound names by the terminal device 30 used in the support system 1 shown in FIG. FIG. 18 is a flowchart showing an example of an operation performed in association with the transmission of the receipt mail in the support system 1 shown in FIG. FIG. 19 is a schematic diagram illustrating an example of a screen displayed in association with transmission of a receipt mail by the terminal device 30 used in the support system 1 illustrated in FIG. FIG. 20 is a schematic diagram showing an example of a first SMS transmitted to the mobile phone by the terminal device 30 used in the support system 1 shown in FIG. FIG. 21 is a schematic diagram showing another example of a screen displayed in connection with the receipt mail transmission by the terminal device 30 used in the support system 1 shown in FIG. FIG. 22 is a schematic diagram showing an example of the second SMS transmitted to the mobile phone by the terminal device 30 used in the support system 1 shown in FIG. FIG. 23 is a schematic diagram showing another example of the second SMS transmitted to the mobile phone by the terminal device 30 used in the support system 1 shown in FIG.

  Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the same reference numerals are given to the common components in the drawings.

1. Overview of Support System An overview of a system (hereinafter referred to as “support system”) that supports various insurance applications by an applicant (customer) will be described with reference to FIG. FIG. 1 is a block diagram schematically illustrating an example of a configuration of a support system according to an embodiment.

  As shown in FIG. 1, the support system 1 is mainly operated by a server device 10 operated by, for example, a life insurance company, and each sales staff member who works at the life insurance company, for example. , 30-N (hereinafter, collectively referred to as “terminal device 30”) connected via a communication network (communication line) 20 including the Internet. And).

  The terminal device 30 is mainly operated by a sales staff (partially by an applicant), thereby communicating with the server device 10 as necessary, and various processes required for various insurance applications ( For example, it is possible to execute various processes related to insurance plan proposals to completion of application procedures.

  The server device 10 communicates with the terminal device 30 as necessary, and performs various processes necessary for applying for various insurances by the applicant via the terminal device 30 (for example, applying from a plan proposal related to insurance). Various processes related to the completion of the procedure) can be executed.

2. Configuration of each device constituting the support system Next, an example of each configuration of each device constituting the above-described support system, that is, the server device 10 and the terminal device 30 will be described.

2-1. Configuration of Server Device 10 FIG. 2 is a block diagram showing an example of the configuration of the server device 10 used in the support system 1 shown in FIG. As shown in FIG. 2, the server device 10 includes a CPU 11, a main memory 12, a user interface (I / F) 13, a communication interface (I / F) 14, an external memory 15, and a disk drive 16. These components are electrically connected to each other via a bus 17.

The CPU 11 loads an operating system, a program for realizing various functions, and the like from the external memory 15 into the main memory 12 and executes instructions included in the loaded program. The main memory 12 is used for storing a program executed by the CPU 101, and is constituted by a DRAM, for example.
The CPU 11 performs various processes and calculations based on information received from each terminal device 30.

  The user I / F 13 includes, for example, an information input device such as a keyboard and a mouse that accepts an operator input, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 11. The communication I / F 14 is implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof. The server device 10 is communicably connected to each terminal device 30 using the communication I / F 14.

  The external memory 15 is composed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. The external memory 15 can also store various data used in these programs.

  The disk drive 16 reads data stored in various storage media such as CD-ROM, DVD-ROM, and DVD-R, or writes data to these storage media.

  The server device 10 having such a configuration transmits / receives various information necessary for applying for various insurances to / from each terminal device 30, and provides various insurances to the terminal device 30. Procedures required for application can be executed.

2-2. Configuration of the terminal device 30 The terminal device 30 includes, for example, a touch pad, a personal computer (particularly a portable personal computer), a smartphone, and the like without being limited thereto.

  FIG. 3 is a block diagram showing an example of the configuration of the terminal device 30 used in the support system 1 shown in FIG. As shown in FIG. 3, the terminal device 30 includes a CPU 31, a main memory 32, a user interface (I / F) 33, a communication interface (I / F) 34, and an external memory 35. These components are electrically connected to each other via a bus 36.

  The CPU 31 loads various programs such as an operating system from the external memory 35 to the main memory 32 and executes instructions included in the loaded program. The main memory 32 is used for storing a program executed by the CPU 31, and is constituted by, for example, a DRAM.

  The user I / F 33 is, for example, an information input device such as a touch panel, a keyboard, a button, or a mouse that receives input from a user (sales staff, applicants, etc.), and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 31. ,including. The communication I / F 34 is implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof, and is configured to be able to communicate with the server device 10 via the communication network 20. The terminal device 30 is communicably connected to the server device 10 via the communication I / F 34.

  The external memory 35 is configured by, for example, a magnetic disk drive, a flash memory, or the like, and stores various programs such as an operating system.

  In one embodiment, such a terminal device 30 executes one or more installed applications and transmits / receives various information to / from the server device 10 as necessary, while applying to the applicant. Process related to various insurance applications by

3. Functions of Devices Constituting Support System Next, examples of functions of the server device 10 and the terminal device 30 constituting the support system 1 will be described.

3-1. Functions of Server Device 10 FIG. 4 is a block diagram showing an example of functions of the server device 10 used in the support system 1 shown in FIG. As illustrated in FIG. 4, the server device 10 may mainly include a storage unit 60, a reception unit 62, a transmission unit 64, and a control / processing unit 66.

  The storage unit 60 stores various information necessary for supporting an application for insurance by an applicant using the terminal device 30. The receiving unit 62 receives, from the terminal device 30, various information necessary for supporting an application for insurance by an applicant using the terminal device 30. The transmission unit 64 transmits various information necessary for supporting an application for insurance by an applicant using the terminal device 30 to the terminal device 30. The control / processing unit 66 controls each unit in the server device 10 in order to support an insurance application by the applicant using the terminal device 30 and executes processing necessary for the control.

  Furthermore, the receiving unit 62 receives a first signal that instructs the applicant's mobile phone number to transmit the first short message service from the terminal device 30 via the communication line. And the terminal device 30 that has determined that the second key code input from the applicant and the first key code match the first key code is a second instruction that instructs the mobile phone number to transmit the second short message service. And a second receiving unit that receives the signal from the terminal device 30 via the communication line.

  Further, in response to the first signal, the transmission unit 64 transmits a first short message service including a first key code to the mobile phone number, and a second signal And a second transmission unit that transmits a second short message service including a message indicating that insurance premiums related to insurance have been received for the mobile phone number via a communication line. .

3-2. Functions of Terminal Device 30 FIG. 5 is a block diagram showing an example of functions of the terminal device 30 used in the support system 1 shown in FIG. As illustrated in FIG. 5, the terminal device 30 includes a reception unit 70, a transmission unit 72, a storage unit 74, a calculation unit 76, a display unit 78, an input unit 80, a voice recognition unit 82, and a control unit. 84.

  The receiving unit 70 receives, from the server device 10, various information necessary for supporting an application for insurance by an applicant using the terminal device 30. The transmission unit 72 transmits various information necessary for supporting an application for insurance by an applicant using the terminal device 30 to the server device 10. The storage unit 74 stores various information necessary for supporting an application for insurance by an applicant using the terminal device 30. The calculation unit 76 calculates or processes information necessary for supporting an application for insurance by an applicant using the terminal device 30.

  The display unit 78 displays various information necessary for supporting an application for insurance by an applicant using the terminal device 30. The input unit 80 inputs various information necessary for supporting an application for insurance by an applicant using the terminal device 30 from the server device 10 and / or a sales staff or an application that operates the terminal device 30. From the user via the user interface.

  The voice recognition unit 82 inputs various voice information necessary for supporting an application for insurance by the applicant using the terminal device 30 from the applicant through a microphone or the like. The control unit 84 controls each unit in the terminal device 30 in order to support an application for insurance by an applicant using the terminal device 30.

  Furthermore, in the first aspect, the input unit 80 includes a first input unit (not shown) for inputting the applicant's mobile phone number and a second input unit for inputting the second key code from the applicant. (Not shown). The transmission unit 72 transmits a first signal instructing to transmit the first short message service including the first key code to the mobile phone number to the server device 10 via the communication line. And a second short including a message indicating that insurance premiums related to insurance have been received for the mobile phone number when the second key code matches the first key code. A second transmission unit that transmits a second signal instructing transmission of the message service to the server apparatus 10 via a communication line.

  Furthermore, in one aspect of the second aspect, the storage unit 74 can store a threshold and a discount rate related to the monthly insurance premium in association with each of a plurality of ranks. The calculation unit 76 calculates the monthly premium related to the insurance as the standard monthly premium, determines the rank corresponding to the maximum threshold reached by the standard monthly premium as the current rank, and sets the unit security amount N times (however, By increasing (N is a natural number equal to or greater than 1), it is possible to calculate the virtual monthly premium that reaches the threshold corresponding to the next higher rank for the first time. The display unit 78 calculates the amount calculated by applying the discount rate corresponding to the next higher rank to the virtual monthly premium, and applies the discount rate corresponding to the current rank to the base monthly premium. When the amount is less than a certain amount, a message can be displayed that suggests to the applicant that the amount of insurance related to the covered insurance will be increased by the proposed amount of insurance calculated by multiplying the unit amount of insurance by N.

  Furthermore, in another aspect of the second aspect, the storage unit 74 can store a threshold value related to insurance money and a discount rate for the monthly insurance premium in association with each of a plurality of ranks. The calculation unit 76 calculates a monthly premium related to insurance as a standard monthly premium, calculates an insurance related to insurance as a standard insurance, and determines a rank corresponding to the maximum threshold reached by the standard insurance as the current rank. Then, by increasing the unit security amount N times (where N is a natural number of 1 or more), it is possible to calculate the virtual insurance money that reaches the threshold corresponding to the next higher rank for the first time. The display unit 78 shows that the amount calculated by applying a discount rate corresponding to the next higher rank to the virtual monthly premium when the unit security amount is increased N times is set to the current monthly premium. A message proposing the applicant to increase the insurance coverage by the proposed security amount calculated by multiplying the unit security amount by N when it falls below the amount calculated by applying the corresponding discount rate. Can be displayed.

  In one aspect of the third mode, the input unit 80 can input the first voice information related to the voice uttered as a symptom related to injury or illness by the applicant. The voice recognition unit 82 can convert the first voice information into the first character information. The transmission unit 72 can transmit the first character information to the server device 10 via the communication line as part of the notification information related to insurance.

  In another aspect of the third mode, the input unit 80 can input the second voice information related to the voice uttered by the applicant as a keyword for the name of the sickness. The voice recognition unit 82 can convert the second voice information into second character information. The storage unit 74 can store one or more keywords in association with each of a plurality of injury names. The display unit 78 displays, on the display unit, one or more wound names associated with a keyword that matches the second character information among a plurality of wound names stored in the storage unit 74 as candidates. Can do. The transmitting unit 72 transmits one or more selected names of sicknesses selected by the applicant out of one or more names of sicknesses displayed on the display unit via a communication line as a part of the notification information on insurance. It can be transmitted to the server device 10.

4). Operation of Support System Next, an example of the overall operation performed in the support system having the above configuration will be described.

4-1. Outline of Operation FIG. 6 is a schematic diagram showing an example of the overall operation performed in the support system shown in FIG. Referring to FIG. 6, first, in step (hereinafter referred to as “ST”) 100, a sales staff member of the life insurance company that owns the terminal device 30 visits the home of the applicant (customer) and the terminal device 30. Is used to present a proposed plan related to insurance suitable for the applicant. The terminal device 30 can display details of a plurality of proposed plans on the display unit by executing one or more installed applications. In addition, the terminal device 30 determines, for each of the plurality of proposal plans, various conditions (such as the applicant's age and gender, as well as the details and amount of security, etc.) entered or designated by the sales staff or the applicant. The insurance premium to be paid monthly can be calculated and displayed. In one embodiment, each time the sales staff or applicant changes one or more conditions and instructs “trial calculation”, the terminal device 30 calculates and displays the insurance premium to be paid every month on the display unit. Can do. In another embodiment, the terminal device 30 calculates the insurance premium to be paid every month each time the sales staff or the applicant changes one or more conditions (without instructing “trial calculation”). Can be displayed.

  In ST102, when the applicant accepts the proposal plan presented by the sales staff using the terminal device 30, the sales staff operates the terminal device 30 and downloads application data necessary for applying for this insurance.

  In ST104, the applicant uses, for example, his terminal device (personal computer, etc.) 40 later to access a predetermined website provided by a life insurance company and present a document (electronic) File) can be downloaded and confirmed.

  Next, as an option, in ST106, when the applicant satisfies a predetermined condition, for example, when the condition that the applicant is 70 years old or more is satisfied, the applicant is guided to the sales staff, and the terminal device 30 is moved. By using it, it is possible to communicate with the terminal device 42 managed by the life insurance company and confirm the contract with a specific employee of the life insurance company. Thereby, the specific staff member can confirm whether or not the contract contents of the insurance that the applicant intends to contract are in line with the intention of the applicant.

  Next, in ST108, the applicant is guided by the sales staff and uses the terminal device 30 to input information (notification information) for notifying a disease or illness that has been affected in the past or currently affected, and the server device. 10 can be transmitted.

  Next, in ST 110, the applicant is guided by the sales staff, uses the terminal device 30, inputs items necessary for the insurance application, and transmits them to the server device 10. Thereafter, in ST112, the applicant performs a signature using a digital pen, a stylus, or the like, and transmits the signature to the server device 10 as electronic data.

  Further, in ST114, the applicant is guided by the sales staff and performs a settlement process using the terminal device 30. Specifically, the applicant can register a withdrawal account and withdraw the first insurance premium using a cash card, debit card, etc. (or alternatively, the first time with cash on the spot. You can also pay insurance premiums). The information related to the settlement can be immediately linked by the corresponding financial institution in ST116.

  Next, in ST118, the applicant is guided by the sales staff and uses his / her mobile phone or the like to input predetermined information into the terminal device 30 to indicate that the life insurance company has received the insurance premium. The indicated information can be received by the mobile phone or the like.

4-2. Display of proposal message (ST100)
As described above in connection with ST100, the sales staff or the applicant operates and operates the terminal device 30 to input and specify various conditions (such as the applicant's age and gender, as well as the contents and amount of security). Thus, the terminal device 30 can calculate and display the insurance premiums that the applicant should pay monthly for each of the plurality of proposed plans based on the conditions specified as such.

  In one embodiment, if the insurance amount can be reduced by increasing the security amount, the terminal device 30 displays a message (hereinafter referred to as “proposed message”) that proposes to increase the security amount. Can be displayed. Hereinafter, a specific example of such a proposal message will be described.

  FIG. 7 is a schematic diagram showing an example of a proposed plan displayed by the terminal device 30 used in the support system 1 shown in FIG. FIG. 7 schematically shows an example of a proposal plan displayed on the display unit by the terminal device 30 for the insurance selected by the sales staff or the applicant among various insurances.

  In FIG. 7, as an example, the first security (unworkable) 131, the second security (nursing care) 132, the third security (three major diseases) 133, the fourth security (medical care) 134, and the fifth The five guarantees (in the unlikely event) 135 are selected. It is also possible to add other guarantees by operating the sales staff or the applicant. For each security, the sales staff or the applicant can enter the security amount in the frame provided on the left side of the description “Yen” or “10,000 yen”.

  After the sales staff or the applicant selects the security and inputs the security amount for each security, for example, when the user taps or clicks the button 140 called “prediction of insurance premium”, the terminal device 30 displays the age and gender of the applicant, Based on the selected security and the conditions including the security amount entered for each security, the insurance premium that the applicant should pay every month can be calculated and displayed in, for example, the field 141 (in addition, another implementation) In the form, the terminal device 30 automatically calculates the insurance premium to be paid every month every time the sales staff or the applicant changes the security amount (even if the sales staff or the applicant does not tap the button 140). May be displayed in the field 141).

  When calculating the insurance premium, the terminal device 30 provides a larger discount rate by increasing the amount of at least one of the plurality of selected guarantees (or all of the guarantees). As a result of the application, it can be determined whether the premium to be paid can be reduced. For any security, if it is found that the insurance premium to be paid is reduced by increasing the security amount of the security, the terminal device 30 can increase the security amount of the security, for example. For example, as a result of applying a larger discount rate, a message proposing whether or not the insurance premium to be paid can be reduced can be displayed in the form of a popup, for example.

  As an example, in FIG. 8, the terminal device 30 increases the insurance amount of the first guarantee (unworkable) 131 shown in FIG. 7 from the current 100,000 yen to 120,000 yen, thereby increasing the insurance premium. An example of displaying a pop-up 150 that suggests that it can be reduced is shown. Here, when the sales staff or the applicant taps the “change” button 152 or the like, in the proposed plan illustrated in FIG. The insurance premium calculated based on the security amount changed to “120,000 yen” may be displayed in the field 141 while being automatically changed to “Yen”. On the other hand, when the sales staff or the applicant taps the “do not change” button 151, the terminal device 30 does not change the security amount of the first security (unworkable) 131 shown in FIG. It can remain “100,000 yen”.

  In another embodiment, instead of or together with the form of displaying the pop-up 150, when the applicant or sales staff taps the buttons 142 and 144 called “discount application plan” shown in FIG. Information similar to that displayed in the pop-up 150 may be displayed. When the button 142 is tapped, a message by a method described later with reference to FIG. 9 is displayed. When the button 144 is tapped, a message by a method described later with reference to FIG. 12 is displayed. Can be.

  Next, it is determined how much the terminal device 30 increases the security amount of any security, and as a result of applying a larger discount rate, the insurance premium to be paid can be reduced. A specific example of the method related to this will be described.

  9 determines whether the terminal device 30 (which may be the server device 10) used in the support system 1 shown in FIG. 1 can reduce the insurance premium by increasing the security amount of the selected security. It is a flowchart which shows an example of the method which can be used in that case.

  First, in ST160, the terminal device 30 associates with each of a plurality of ranks and presets a threshold and a discount rate related to the monthly insurance premium and stores them in the storage unit. FIG. 10 conceptually shows an example of information stored in the storage unit by the terminal device 30 (which may be the server device 10). As shown in FIG. 10, for example, a plurality of ranks 1 to 5 are provided. Each rank is associated with a threshold and a discount rate for the monthly premium.

  If the monthly premium calculated as described above based on various conditions is 9000 yen, for example, only the threshold value of rank 1 is reached, so the insurance (or the proposed plan) is ranked 1 Positioned. Therefore, the monthly insurance premium that the applicant should finally pay is 9000 yen × (100−2) / 100 = 8820 yen. On the other hand, when the calculated monthly premium is 12,000 yen, for example, both the rank 1 threshold and the rank 2 threshold are reached, so the insurance (or the proposed plan) has the maximum threshold to be reached. It is positioned in rank 2 corresponding to a threshold value of 10,000 yen. Therefore, the monthly insurance premium that the applicant should finally pay is 12000 × (100−5) / 100 = 1400 yen.

  Returning to FIG. 9, next, in ST162, the terminal device 30 loads (reads out) the information stored in the storage unit as described above (or receives it from the server device 10). Next, in ST164, as described above, the terminal device 30 calculates the monthly premium (before discount) as the “reference monthly premium” for the proposed plan based on the security and the security amount selected by the applicant. Next, in ST166, the terminal device 30 determines the rank corresponding to the maximum threshold at which the standard monthly premium is reached among the plurality of prepared ranks as the current rank (here, rank 1). To do.

  Next, in ST168, terminal apparatus 30 sets the unit security amount Y times (here, Y = 1) for the Xth security (here, the first security) among the plurality of security selected by the applicant. The monthly premium when the amount is increased is calculated as “virtual monthly premium”. The unit guarantee amount is an amount to be increased for each of a plurality of guarantees, and may be determined in advance as illustrated in FIG. 11, for example. In addition, the unit security amount may be increased by a different amount each time when it is increased Y times for a certain security, or may be increased by the same amount each time, or a combination of both. .

  Next, in ST170, terminal apparatus 30 determines whether the condition that the virtual monthly premium calculated in ST168 reaches the threshold value associated with the next higher rank (here, rank 2) is satisfied. To do. If this condition is not satisfied, terminal apparatus 30 increments Y by 1 in ST172 and repeats ST168 and ST170 again. On the other hand, when this condition is satisfied, that is, when the virtual monthly premium when the unit security amount is increased Y times reaches the threshold corresponding to the next higher rank (rank 2) for the first time, Moves to ST174.

  In ST174, the terminal device 30 determines that the amount calculated by applying the discount rate (5%) corresponding to the next higher rank (rank 2) to the virtual monthly premium is the current rank ( It is determined whether the condition that the amount of money is less than the amount calculated by applying the discount rate (2%) corresponding to rank 1) is satisfied. If this condition is satisfied, in ST176, the terminal device 30 can reduce the monthly insurance premium by increasing the security amount by the unit security amount × Y for the Xth security (here, the first security). Display a suggestion message to this effect. After all, for terminal X, the amount calculated by applying the discount rate corresponding to the next higher rank to the virtual monthly premium for the Xth guarantee corresponds to the current monthly rank for the standard monthly premium When the discount rate is less than the amount calculated by applying the discount rate, a proposal message is proposed that proposes that the security amount be increased by the proposed security amount calculated by multiplying the unit security amount by Y.

  On the other hand, if this condition is not satisfied, the monthly premium cannot be reduced for the Xth guarantee (here, the first guarantee), and therefore the terminal device 30 increases X by 1 in ST178 and For security (second security), the processing from ST168 onward is repeated.

  The processing as described above is executed for all of the plurality of guarantees for which the terminal device 30 has been selected.

  In the above embodiment, the terminal device 30 determines whether or not the monthly insurance premium (virtual monthly insurance premium) when the security amount is increased reaches a threshold corresponding to the next higher rank, and such The amount of discount rate corresponding to the next higher rank applied to the virtual monthly premium, and the discount rate corresponding to the current rank applied to the monthly premium (base monthly premium) calculated initially The aspect which determines the propriety of a proposal message by determining whether it is less than this was demonstrated. Instead, in another embodiment, the terminal device 30 determines whether or not the insurance money (virtual insurance money) when the security amount is increased reaches a threshold value corresponding to the next higher rank, The monthly premium (base monthly fee) calculated from the initial estimate is calculated by applying the discount rate corresponding to the next higher rank corresponding to the monthly premium (virtual monthly premium) when the guaranteed amount is increased. It may be possible to adopt a mode of determining whether or not the proposal message is acceptable by determining whether or not an insurance premium is less than an amount applied with a discount rate corresponding to the current rank.

  In the following, such another embodiment will be described with reference to FIGS. 12 to 14, focusing only on differences from the embodiment described above with reference to FIGS. FIG. 12 shows another method that can be used when the terminal device 30 used in the support system 1 shown in FIG. 1 determines whether the insurance premium can be reduced by increasing the security amount of the selected security. It is a flowchart which shows an example (in addition, in FIG. 12, the part different from FIG. 9 is underlined). FIG. 13 is a table conceptually showing another example of information stored in the storage unit of the terminal device 30 used in the support system 1 shown in FIG. FIG. 14 is a table conceptually showing another example of information used for creating a proposal message by the terminal device 30 used in the support system 1 shown in FIG.

  Referring to FIG. 12, in ST180, terminal device 30 associates with each of a plurality of ranks and presets a threshold for insurance money and a discount rate for monthly insurance premiums and stores them in the storage unit. FIG. 13 conceptually shows an example of information stored in the storage unit by the terminal device 30 (which may be the server device 10). As shown in FIG. 13, for example, a plurality of ranks of rank 1 and rank 2 are provided. Each rank is associated with a threshold for insurance money and a discount rate for monthly insurance premium.

  In ST182, terminal device 30 increases the unit guarantee amount Y times (here, Y = 1) for the Xth guarantee (here, the first guarantee) among the plurality of guarantees selected by the applicant. In addition to calculating the monthly insurance premium at “virtual monthly insurance premium”, the insurance premium when the unit security amount is increased Y times (here, Y = 1) is calculated as “virtual insurance premium”. The unit guarantee amount is an amount that should be increased once for each of a plurality of guarantees, and may be determined in advance as illustrated in FIG. 14, for example.

  In ST184, terminal apparatus 30 determines whether the condition that the virtual insurance money calculated in ST182 reaches the threshold value associated with the next higher rank (here, rank 2) is satisfied. If this condition is not satisfied, terminal apparatus 30 increments Y by 1 in ST172 and repeats ST182 and ST184 again. On the other hand, when this condition is satisfied, that is, when the virtual insurance money when the unit security amount is increased Y times reaches the threshold corresponding to the next higher rank (rank 2) for the first time, the process is Move on to ST174.

  In ST174, the amount calculated by the terminal device 30 applying the discount rate (5%) corresponding to the next higher rank (rank 2) to the virtual monthly premium is the current monthly premium. As described with reference to FIG. 9, the process of determining whether the condition that the amount calculated by applying the discount rate (2%) corresponding to the rank (rank 1) is less than the amount calculated is satisfied. .

  In the embodiment described with reference to FIG. 9 and the like, for example, as described in FIG. 10 as “Total amount of monthly premiums”, the target premium is limited to the premium related to one insurance. It can be regarded as the total amount of premiums for one or more insurances. Therefore, in the embodiment described with reference to FIG. 9 and the like, the terms “monthly premium”, “base monthly premium”, and “virtual monthly premium” are respectively “one or more monthly premiums”. It can be read as “total amount”, “total amount of one or more base monthly premiums” and “total amount of one or more virtual monthly premiums”.

  Similarly, in the embodiment described with reference to FIG. 12 and the like, for example, as shown in FIG. 13 as “total amount of insurance money”, the insurance money to be covered is limited to insurance money related to one insurance. It can be regarded as the total amount of one or more insurance claims. Therefore, in the embodiment described with reference to FIG. 12 and the like, the terms “insurance claim”, “reference claim”, and “virtual claim” are respectively “total amount of one or more claims”, It can be read as “total amount of one or more standard claims” and “total amount of one or more virtual claims”.

  As described above, the applicant receives a monthly premium by applying a higher discount rate for the proposed plan presented by the sales staff using the terminal device 30 by further increasing the security amount set by himself / herself. Even if there is a benefit that it can be further reduced, even if the applicant and the sales staff have not recognized such a benefit, the terminal device 30 recognizes the existence of such a benefit by the applicant and the salesperson. Staff can be notified. Accordingly, since the applicant can apply for insurance under favorable conditions, the life insurance company can also increase customer satisfaction regarding the insurance service.

4-3. Speech recognition when sending notification information (ST108)
As described above in connection with ST108, the applicant uses the terminal device 30 to input information (notification information) for notifying a disease or illness that has been affected in the past or is currently afflicted to the server device 10. Can be sent.

  There are few wounds and illnesses whose names are difficult for ordinary people to memorize, or for which it is difficult to memorize accurate kanji, although it is possible to memorize how to read. Absent. If an applicant needs to announce such an illness, he or she may waste time recalling or looking up the exact name.

  Therefore, in the present embodiment, as described below, it is possible to employ a function that allows easy input of a disease to be notified.

  FIG. 15 is a schematic diagram illustrating an example of a screen displayed when the notification information is input by the terminal device 30 used in the support system 1 illustrated in FIG. 1. Referring to FIG. 15, first, the applicant taps an icon A simulating a microphone displayed in the vicinity of the message “Please enter all items pointed out” in the main window 190, for example. Then, a speech recognition window B is displayed. The applicant utters a symptom related to the wound or illness to be notified to a microphone or the like (not shown) provided in the terminal device 30.

  The terminal device 30 acquires voice information (first voice information) related to the voice uttered as a symptom related to the injury or illness using a voice input unit such as a microphone. Next, the terminal device 30 can convert the first voice information into character information (first character information) by the voice recognition unit and display it on the window B. Thereafter, the applicant can move the first character information displayed in the window B to the field 194 in the main window 190 by tapping the “OK” button 192 displayed in the window B. it can. Further, the applicant can determine the first character information as a symptom of injury or illness to be notified by tapping a button 196 “complete input” displayed on the main window 190. As a result, the terminal device 30 can transmit the first character information to the server device 10 as a part of the notification information.

  The first character information transmitted from the applicant through the terminal device 30 may not necessarily describe the exact name of the injury or illness, but even in such a case, the life insurance company's name Based on the first character information, the staff will be able to identify the exact name of the injury or illness to which the applicant intends to announce from his / her expertise and experience.

  In one embodiment, the applicant uses the user interface such as a keyboard provided on the terminal device 30 or a keypad displayed on the terminal device 30 to display the first character information transferred to the field 194 in the main window 190. It may be possible to edit using a face. In another embodiment, the applicant may not be able to edit the first character information transferred to field 194.

  FIG. 16 is a schematic diagram illustrating another example of a screen displayed when notification information is input by the terminal device 30 used in the support system 1 illustrated in FIG. 1. Referring to FIG. 16, first, for example, when the applicant taps an icon A imitating a microphone displayed in the vicinity of the message “Enter a keyword in the following disease name search” in the main window 200, “ Window B "Please speak your disease name" is displayed. The applicant speaks a keyword related to the wound or illness to be notified to a microphone or the like (not shown) provided in the terminal device 30.

  The terminal device 30 acquires the voice information (second voice information) related to the voice uttered as the keyword related to the disease by using a voice input unit such as a microphone. Next, the terminal device 30 can convert the second voice information into character information (second character information) by the voice recognition unit and display it on the field 202 in the main window 200.

  In the storage unit, the terminal device 30 stores one or more keywords in association with each of a plurality of names of injuries. For example, as illustrated in FIG. 17, the terminal device 30 associates with the injury / illness name “high blood pressure” with keywords A1 to A10 (specifically, the keyword A1 is, for example, “blood pressure”, Specifically, for example, “high” or the like is stored, and the keywords B1 to B15 are stored in association with the wound name “angina”.

  The terminal device 30 searches for one or more wound names associated with a keyword that matches the second character information among the multiple wound names stored in this way. Next, the terminal device 30 can display the one or more disease names searched in this way as candidates on the display unit.

  The applicant can determine one or more disease names to be notified as the selected disease names from the one or more disease names displayed as candidates in this way. The terminal device 30 can transmit the one or more selected wound names determined as described above to the server device 10 as part of the notification information.

  In one embodiment, the applicant uses the second character information displayed in the field 202 in the main window 200 as a user interface such as a keyboard provided on the terminal device 30 or a keypad displayed on the terminal device 30. It may be possible to edit using a face. In another embodiment, the applicant may be prevented from editing the second character information displayed in the field 202.

  Note that only one of the functions illustrated in FIG. 15 and the functions illustrated in FIG. 16 can be used, or both functions can be used in combination. In any case, at least one of these functions can be combined with a conventional method of inputting notification information using a user interface such as a keyboard and a keypad. It is a thing.

  As described above, even if the applicant does not have time to remember or check the exact name of the injury or illness to be notified, the terminal device 30 utters the symptom related to the injury or illness, so that the terminal device 30 causes the first voice regarding the symptom The information can be converted into first character information (edited according to an instruction from the applicant if necessary) and transmitted to the server device 10. Based on such first character information, personnel with the necessary knowledge and experience can substantially identify the exact name of the injury. Similarly, even if the applicant does not have time to remember or check the exact name of the injury or illness to be notified, by speaking the keyword relating to the injury or illness, the terminal device 30 causes the second audio information regarding the keyword to be obtained. It is converted into second character information (edited according to an instruction from the applicant if necessary), and a candidate for a disease name associated with a keyword corresponding to, matching, or matching the second character information is displayed on the display unit. indicate. Accordingly, the applicant can select an appropriate name from the names of wounds and diseases displayed as candidates, and the terminal device 30 can transmit the names of wounds and diseases thus selected to the server device 10. Therefore, the applicant can efficiently execute insurance application (especially transmission of notification information).

4-4. Sending and receiving insurance receipt mail using short message service (SMS) (ST118)
As described above in connection with ST118, the applicant is guided by the sales staff, and the life insurance company is insured by inputting predetermined information into the terminal device 30 using his / her mobile phone, smartphone, etc. Information indicating that the fee has been received can be received by the mobile phone or the like. Hereinafter, an example of the specific operation will be described.

FIG. 18 is a flowchart showing an example of an operation performed in association with the transmission of the receipt mail in the support system 1 shown in FIG. First, in ST300, the applicant is guided to the sales staff and uses a user interface (for example, a touch panel, a keyboard, a touch pad, etc.) provided by the terminal device 30, for example, as illustrated in FIG. Enter the applicant's mobile phone number 301 and tap the button “Send confirmation SMS”. For example, the applicant reads an input pad (not shown) by tapping a button “TEL” as shown in FIG. 19 and inputs the mobile phone number 301 using the input pad. can do.
In another embodiment, the applicant can also call and input the mobile phone number 301 previously set or stored in association with the applicant at the terminal device 30. For example, the applicant can register and set his / her mobile phone number 301 in advance in the terminal device 30 using a predetermined application, and when the screen changes to the screen illustrated in FIG. The mobile phone number 301 registered and set in advance can be automatically set on the screen. In this case, the applicant can also correct the mobile phone number 301 set automatically as described above by using an input pad that is read by tapping the button “TEL”. .

  In ST302, terminal device 30 includes a first key code (a code consisting of, for example, three-digit alphanumeric characters generated randomly or according to certain rules) for mobile phone number 301 input by the applicant. A first signal instructing to transmit one short message service (SMS) is transmitted to the server device 10.

  In ST304, in response to the received first signal, server apparatus 10 transmits a first SMS including a first key code to mobile phone number 301. Accordingly, the applicant's mobile phone receives the SMS including the first key code (here, “ZZZ”), for example, as illustrated in FIG.

  In ST306, the applicant is guided to the sales staff, and using the terminal device 30, for example, as illustrated in FIG. 21, the first key code (here, the first key code received by the mobile phone) is used as the second key code. "ZZZ"). Further, after confirming the first key code, the applicant taps a button 307 “debit payment deduction transmission” or the like to execute the receipt SMS transmission (note that the settlement is executed by cash and credit card). In such a case, the buttons displayed here may be buttons such as “cash settlement payment transmission” and “credit card payment payment transmission”, respectively. In response to this, in ST308, terminal apparatus 30 determines whether or not the second key code input by the applicant in ST306 matches the first key code transmitted by server apparatus 10 in ST304. To do.

  Only when it is determined in ST308 that both match, in ST310, the terminal device 30 sends a second signal instructing to transmit a message indicating that the insurance fee has been received to the mobile phone number 301, It transmits to the server apparatus 10. In ST312, in response to the received first signal, server apparatus 10 transmits a second SMS including a message indicating that the insurance premium has been received to mobile phone number 301. Accordingly, the applicant's mobile phone may be, for example, a second SMS as illustrated in FIG. 22 and FIG. 23 (here, there are two, but there may be one or three or more). .).

  The second SMS received by the applicant is the same slip number 320 (here, slip number “12345”) unique to the insurance contracted by the applicant, and the Mth receipt (where M is 1 or more). It may include a number M (a natural number) indicating a premium (a number “No. 1” to which reference numeral 322 is attached in FIGS. 22 and 23). Since the premium is paid monthly by the applicant, in this example, the second receipt SMS (second SMS) includes the number “No. 2” and the third receipt SMS (second SMS) 2) includes the number “No. 3”, and similarly, the i-th receipt SMS (second SMS) includes the number “No. i”. it can. In another embodiment, the receipt SMS is transmitted to the applicant only for the first premium, that is, the first premium (M = 1) and not for the second and subsequent premium receipts. You can also

  In the present embodiment, in ST302, the terminal device 30 notifies the server device 10 of the first key code by including the first key code in the first signal to the server device 10, or In ST304, the server device 10 transmits the first SMS including the first key code so notified to the mobile phone. However, in another embodiment, the terminal device 30 does not notify the server device 10 of the first key code via the first signal, and in ST304, the terminal device 30 generates the server device 10 itself. You may make it transmit 1st SMS containing 1 key code to a mobile telephone. In this case, the server device 10 needs to notify the terminal device 30 of the first key code generated as described above.

  As described above, the receipt SMS is not immediately transmitted to the mobile phone number input to the terminal device 30 by the applicant, but the first mobile phone number input to the terminal device 30 by the applicant. Only when the first SMS (test mail) including the key code is transmitted and the applicant confirms that the first key code has been correctly input to the terminal device 30, A second SMS (receipt SMS) is transmitted to the terminal. As a result, when the applicant mistakenly inputs the mobile phone number of the other person to the terminal device 30, the receipt SMS is sent to the other person and the personal information of the applicant is known. Can be suppressed. That is, the receipt SMS can be reliably transmitted only to the applicant himself / herself.

5). In the above-described embodiment, the case where the terminal device 30 operates in cooperation with the server device 10 by operating a predetermined application installed (operates based on the application) has been described. 30 may operate in cooperation with the server apparatus 10 by accessing a web page provided to the server apparatus 10 (operates based on the web page). Alternatively, the terminal device 30 may operate based on both the application and the web page.

  In the above embodiment, the case where the server device 10 is one server operated by one life insurance company has been described, but the server device 10 is configured by a plurality of servers operated by different companies or the like. There may be. Each of the plurality of servers may share and execute a part of a plurality of functions (for example, a function for calculating an insurance premium related to a proposed plan, a function for transmitting a receipt SMS, etc.). .

  In the above embodiment, the terminal device 30 may execute (i) the calculation of the insurance premium related to the proposed plan based on the data received from the server device 10, or (ii) the calculation or the like. The server apparatus 10 may execute the calculation by transmitting the information necessary for the server 10 and receive the result from the server apparatus 10, or the above (i) and (ii) ) May be combined.

  The processes and procedures described in the present specification can be realized not only by those explicitly described in the embodiment but also by software, hardware, or a combination thereof. Specifically, the processes and procedures described in this specification are realized by mounting logic corresponding to the processes on a medium such as an integrated circuit, a volatile memory, a nonvolatile memory, a magnetic disk, or an optical storage. Is done. Further, the processes and procedures described in this specification can be implemented as a computer program and executed by various computers.

  Even though the processes and procedures described herein are described as being performed by a single device, software, component, or module, such processes or procedures may include multiple devices, multiple software, It may be executed by multiple components and / or multiple modules. Further, even if it is described that the data, table, or database described in this specification is stored in a single memory, such data, table, or database may be stored in a single device. Or a plurality of memories arranged in a distributed manner in a plurality of devices. Further, the software and hardware elements described herein may be realized by integrating them into fewer components or by disassembling them into more components.

  As described above, according to various embodiments, it is possible to efficiently support an insurance application by an applicant.

1 Support System 10 Server Device 20 Communication Network (Communication Line)
DESCRIPTION OF SYMBOLS 30 Terminal device 60 Storage part 62 Reception part 64 Transmission part 66 Control / processing part 70 Reception part 72 Transmission part 74 Storage part 76 Calculation part 78 Display part 80 Input part 82 Voice recognition part 84 Control part

Claims (6)

A terminal device that supports an application for insurance by an applicant,
Storage means for storing a threshold and a discount rate related to the monthly premium in association with each of a plurality of ranks;
Calculate the monthly premium related to the insurance as the basic monthly premium,
Determining the rank corresponding to the maximum threshold reached by the base monthly premium as the current rank;
A calculation means configured to calculate a virtual monthly premium that reaches a threshold corresponding to the next higher rank for the first time by increasing the unit security amount N times (where N is a natural number equal to or greater than 1);
The amount calculated by applying the discount rate corresponding to the next higher rank to the virtual monthly premium is calculated by applying the discount rate corresponding to the current rank to the reference monthly premium When the amount is below the amount, a message is displayed on the display unit for proposing to the applicant that the amount of insurance related to the covered insurance will be increased by the amount of the proposed security calculated by multiplying the unit security amount by N. Display means;
A terminal device comprising: A terminal device that supports an application for insurance by an applicant,
Storage means for storing a threshold for insurance money and a discount rate for monthly premium in association with each of a plurality of ranks;
Calculate the monthly premium related to the insurance as the basic monthly premium,
Calculate the insurance money related to the insurance as the standard insurance money,
Determining the rank corresponding to the maximum threshold reached by the reference insurance claim as the current rank;
A calculation means configured to calculate a virtual insurance money that reaches a threshold corresponding to the next higher rank for the first time by increasing the unit security amount N times (where N is a natural number equal to or greater than 1);
The amount calculated by applying the discount rate corresponding to the next higher rank to the virtual monthly premium when the unit security amount is increased N times corresponds to the current monthly rank for the base monthly premium A message proposing to the applicant that when the amount is less than the amount calculated by applying a discount rate, the insurance amount related to the insurance is increased by the proposed amount calculated by multiplying the unit security amount by N Display means for displaying on the display unit;
A terminal device comprising: When a signal indicating the estimated premium relating to the insurance input via the operation by the applicant or operator of the terminal device, wherein the display means displays the message on the display unit, according to claim 1 or The terminal device according to claim 2 . More rank higher and higher discount rate is assigned, the terminal device according to any one of claims 1 to 3. A method executed by a terminal device supporting application for insurance by an applicant,
Storing a threshold and a discount rate related to the monthly premium in association with each of a plurality of ranks;
Calculate the monthly premium related to the insurance as the basic monthly premium,
Determining the rank corresponding to the maximum threshold reached by the base monthly premium as the current rank;
Calculating a virtual monthly premium that reaches the threshold corresponding to the next higher rank for the first time by increasing the unit security amount N times (where N is a natural number equal to or greater than 1);
The amount calculated by applying the discount rate corresponding to the next higher rank to the virtual monthly premium is calculated by applying the discount rate corresponding to the current rank to the reference monthly premium When the amount is below the amount, a message is displayed on the display unit for proposing to the applicant that the amount of insurance related to the covered insurance will be increased by the amount of the proposed security calculated by multiplying the unit security amount by N. Stages,
A method comprising the steps of: Computer
Included in terminal devices that support applicants for insurance applications,
Storage means for storing a threshold and a discount rate related to the monthly premium in association with each of a plurality of ranks;
Calculate the monthly premium related to the insurance as the basic monthly premium,
Determining the rank corresponding to the maximum threshold reached by the base monthly premium as the current rank;
A calculation means configured to calculate a virtual monthly premium that reaches a threshold corresponding to the next higher rank for the first time by increasing the unit security amount N times (where N is a natural number equal to or greater than 1), and ,
The amount calculated by applying the discount rate corresponding to the next higher rank to the virtual monthly premium is calculated by applying the discount rate corresponding to the current rank to the reference monthly premium When the amount is below the amount, a message is displayed on the display unit for proposing to the applicant that the amount of insurance related to the covered insurance will be increased by the amount of the proposed security calculated by multiplying the unit security amount by N. Display means,
A computer program that functions as a computer program.

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