JP6646174B1 - Information providing apparatus, program, and information providing method - Google Patents

Abstract

Provided is an information providing device and the like that enable efficiency and quality improvement of insurance contract proposals. A storage unit having a proposal database in which registration information including attribute information of an existing customer and existing insurance proposal information for the existing customer are associated with an information providing device, and a search target including attribute information of a prospective customer A search unit that searches the registration information similar to information by neighborhood calculation, and acquires the existing insurance proposal information associated with the searched registration information from the proposal database as new insurance proposal information for the prospective customer. And an output unit for outputting at least a part of the new insurance proposal information. [Selection diagram] Fig. 1

Description

  The present invention relates to an information providing device, a program, and an information providing method.

  In recent years, various insurance products have been developed for life insurance, medical insurance, and the like. The contract content of each insurance product is diversified according to the combination of insurance premium, security amount, security content, and the like. Therefore, when a sales representative of each insurance company listens to customer needs and presents an insurance contract that meets the needs to the customer, it is necessary to collect information on various insurance products and assemble the contents of the contract. Various proposals have been made to support such work. For example, an information providing method in which a sales representative sets conditions according to customer needs, searches for insurance products that match the conditions from insurance product information, and generates and outputs the contract details according to the conditions. It has been proposed (Patent Documents 1 and 2).

JP-A-8-305747 JP 2010-244442 A

  According to the conventional information providing method, retrieval of merchandise information that matches the conditions set by the sales person can be made more or less efficient. However, the skill of setting the conditions is a personal attribute belonging to each salesperson. Therefore, if the skills of the sales staff vary, the insurance company as a whole will vary in the proposed quality of the insurance contract.

  Therefore, in view of the above-described problems, an information providing device or the like that enables efficiency and quality improvement of insurance contract proposals will be disclosed below.

  An information providing apparatus according to the present disclosure includes a storage unit having a proposal database in which registration information including attribute information of an existing customer and existing insurance proposal information for the existing customer are associated with each other, and search target information including attribute information of a prospective customer. A search unit that searches for the existing insurance proposal information associated with the searched registration information by searching for the similar registration information by neighborhood calculation, and obtains the existing insurance proposal information from the proposal database as new insurance proposal information for the prospective customer. And an output unit that outputs at least a part of the new insurance proposal information.

  In another aspect, the program includes a registration database that is similar to search target information that includes attribute information of a prospective customer from a proposal database that associates registration information including attribute information of an existing customer with existing insurance proposal information for the existing customer. A step of searching for information by neighborhood calculation and obtaining the existing insurance proposal information associated with the searched registration information as new insurance proposal information for the prospective customer; at least a part of the new insurance proposal information And causing the computer to execute.

  In still another aspect, an information providing method by an information providing device includes attribute information of a prospective customer from a proposal database in which registration information including attribute information of an existing customer and existing insurance proposal information for the existing customer are associated with each other. Searching for the registered information similar to the search target information by neighborhood calculation, and acquiring the existing insurance proposal information associated with the searched registration information as new insurance proposal information for the prospective customer; Outputting at least a part of the new insurance proposal information.

  According to the information providing device and the like in the present disclosure, an information providing device and the like that enable the efficiency and quality improvement of insurance contract proposals to be provided.

FIG. 2 is a diagram illustrating a configuration example of an information providing apparatus. It is a figure showing the example of composition of a proposal database. It is a figure showing the example of functional composition of an insurance proposal part. FIG. 7 is a flowchart illustrating an operation example of the information providing apparatus. It is a figure showing an example of search of registration information similar to search object information. It is a figure showing the example of a display of the search result on a search screen. FIG. 7 is a flowchart illustrating an operation example of the information providing apparatus. FIG. 7 is a flowchart illustrating an operation example of the information providing apparatus. It is a figure which shows the example of a search of the prioritized existing insurance proposal information.

  Hereinafter, embodiments of the present invention will be described.

<Example of configuration of information providing device>
FIG. 1 is a diagram illustrating a configuration example of an information providing apparatus according to an embodiment of the present invention. The information providing apparatus according to the present embodiment is installed, for example, in a business office of an insurance company, and is connected to one or more terminal devices 10 via a local area network (LAN) 12 in the business office so as to be able to perform information communication. Hereinafter, it is simply referred to as a server) 11. The server 11 stores a database such as a proposal database 109 in its own storage unit 106, and configures a search unit 112, an output unit 113, and the like by the operation of the control unit 108. On the other hand, the terminal device 10 configures the insurance proposal unit 111 by the operation of the control unit 103 of the terminal device 10 itself.

  The information providing apparatus generally operates as follows according to the operation of the sales person who proposes the insurance contract for the prospective customer. The sales representative operates the insurance proposal unit 111 as a user of the terminal device 10 and requests the search unit 112 of the server 11 to search for new insurance proposal information for prospective customers. Then, in response to the request, the search unit 112 searches the existing insurance proposal information created for the existing customer stored in the proposal database 109 for existing insurance proposal information suitable for the prospective customer. Then, the output unit 113 outputs the retrieved existing insurance proposal information to the insurance proposal unit 111 as new insurance proposal information for prospective customers. Then, the insurance proposal unit 111 appropriately processes the new insurance proposal information and presents it to the sales representative. The information providing apparatus according to the present embodiment makes it possible to effectively use insurance information, which is information that the insurance company already has, called existing insurance proposal information, to improve the efficiency and quality of insurance proposals.

  In the present embodiment, existing customers are customers for whom insurance proposal information has been created in the past, and include existing customers who already have some insurance contracts and non-contractors who have no insurance contracts. On the other hand, the prospective customer may be a customer for whom the sales rep creates insurance proposal information, may be an existing customer for whom insurance proposal information has been created in the past, or may be a customer for whom insurance proposal information has been created. There may be no new customers. When creating insurance proposal information for an existing customer who is also an existing customer who wishes to convert a contract, the existing customer is a prospective customer.

  Next, each component of the server 11 and the terminal device 10 will be described.

  The server 11 has a communication unit 105, a storage unit 106, and a control unit 108. The server 11 is, for example, one or a plurality of computers that can communicate with each other.

  The communication unit 105 includes one or more communication modules that connect to various networks. For example, the communication unit 105 includes a communication module corresponding to the wired / wireless LAN standard. The server 11 is connected to the LAN 12 via the communication unit 105. Further, the server 11 may be connected to an external network such as the Internet via the LAN 12 or a relay device.

  The storage unit 106 includes one or more memories. Each memory included in the storage unit 106 functions as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 106 stores arbitrary information used for the operation of the server 11, control / processing programs, and databases such as a proposal database 109 and a contract database 110. The configurations of the proposal database 109 and the contract database 110 will be described later.

  The control unit 108 has one or more processors. Each processor is a general-purpose processor or a dedicated processor dedicated to a specific process, but is not limited thereto. The control unit 108 operates in accordance with the control / processing program stored in the storage unit 106 to control the operation of the server 11 in a comprehensive manner, and also searches the output unit 113, the output unit 113, the update unit 114, and the management unit 115. Is configured. Details of the operations of the search unit 112, the output unit 113, the update unit 114, and the management unit 115 will be described later.

  The terminal device 10 includes an input / output unit 100, a communication unit 101, a storage unit 102, and a control unit 103. The terminal device 10 is an information processing device such as a personal computer and a portable tablet terminal.

  The input / output unit 100 has an input interface that detects a user input and sends input information to the control unit 103. Such an input interface is any input interface including, for example, a physical key, a capacitance key, a touch screen provided integrally with a panel display, various pointing devices, a microphone for receiving voice input, and the like. Further, the input / output unit 100 has an output interface that outputs information generated by the control unit 103 or obtained from the server 11 to the user. Such an output interface is any output interface including, for example, an external or built-in display that outputs information as images and videos, a speaker that outputs information as audio, and a connection interface with an external output device such as a printer. .

  The communication unit 101 includes a communication module that supports a wired or wireless LAN standard, a module that supports a mobile communication standard such as 4G (4th Generation), and 5G (5th Generation). The terminal device 10 is connected to the LAN 12 via the communication unit 101. Further, the terminal device 10 may be connected to an external network such as the Internet via the communication unit 101, or may be connected to a mobile communication network.

  The storage unit 102 includes one or more memories. Each memory included in the storage unit 102 is, for example, a semiconductor memory, a magnetic memory, an optical memory, or the like, but is not limited thereto. Each memory functions as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 102 stores arbitrary information used for the operation of the terminal device 10. For example, the storage unit 102 may store a control / processing program, embedded software, and the like.

  The control unit 103 has one or more processors. Each processor is a general-purpose processor or a dedicated processor dedicated to a specific process, but is not limited thereto. The control unit 103 operates in accordance with the control / processing program stored in the storage unit 102 to control the operation of the terminal device 10 as a whole and configure the insurance proposal unit 111. The insurance proposal unit 111 is an application program for searching for new insurance proposal information for prospective customers. Details of the operation will be described later.

  FIG. 2 is a diagram illustrating a configuration example of the proposal database 109. The proposal database 109 stores the existing customer registration information 21 and the existing insurance proposal information 22 which is insurance proposal information created in the past for the existing customer in association with each other. If the existing customer is a non-contractor, the registration information 21 includes the attribute information of the existing customer. If the existing customer is a contractor, the registration information 21 includes the attribute information of the existing customer and the existing customer. Insurance contract information regarding the insurance contract. The attribute information has, for example, item information such as gender, age, household status, family structure, and whether or not there is an insurance contract with another insurance company. The insurance contract information includes, for example, the name of the contracted product, the amount of the previous contract security, the policy reserve, the monthly premium, the amount of death insurance, the amount of the term insurance, the amount of the specific illness insurance, the amount of the specific condition income insurance, the general medical care It has item information such as the insurance daily amount, the daily amount of lifestyle-related disease hospitalization insurance. Then, when a plurality of insurance proposal information is created for one existing customer, a plurality of existing insurance proposal information 22 is associated with one registered information 21.

  The proposal database 109 is, for example, once ported to the server 11 and updated at any time as described later. For example, in the past, insurance proposal information created by a plurality of sales representatives in a sales office for prospective customers in charge of each is aggregated and ported to the server 11 as a proposal database 109. By doing so, the existing information assets that were scattered in the sales office can be converted into a knowledge base that can be shared by the entire sales office, and each salesperson can use the existing insurance proposal information created by other salespersons. It can be used.

  Alternatively, a master proposal database 109 may be created in the headquarters department of an insurance company having one or a plurality of business offices, and the proposal database 109 may be ported to the server 11 of each business office. Furthermore, the proposal database 109 is periodically collected from the server 11 of each office in the central server, and the collected proposal database 109 is redistributed to the server 11 of each office, thereby sharing information assets between the offices. You can also. That is, a salesperson at each sales office can use existing insurance proposal information created by a salesperson at another sales office.

  FIG. 3 is a diagram illustrating an example of a functional configuration of the insurance proposal unit 111. The insurance proposal unit 111 provides the user with various instruction / information input interfaces and an information output interface as an application program for searching for new insurance proposal information for prospective customers. The insurance proposal unit 111 has a start screen 31, a search screen 32, and a print screen 33 that can be transited to each other. When activated, the insurance proposal unit 111 displays the activation screen 31. Then, for example, when the sales person transits from the start screen 31 to the search screen 32 and inputs an instruction to search for new insurance proposal information for prospective customers from the search screen 32, the search by the search unit 112 is executed in response thereto. .

<Operation example of information providing device: search>
FIG. 4 is a flowchart illustrating an operation example of the information providing apparatus. Here, the operation procedure of the insurance proposal unit 111 of the terminal device 10 and the search unit 112 and the output unit 113 of the server 11 is shown.

  First, the insurance proposal unit 111 instructs the search unit 112 to set and search the search target information of the prospective customer in response to the instruction input by the sales person (step S401). If the prospective customer is a non-contractor, the search target information includes the attribute information of the prospective customer, and if the prospective customer is a contractor, the search target information includes the attribute information of the prospective customer and the insurance contract information. . The attribute information includes, for example, arbitrary item information among item information such as the gender, age, household status, family structure, presence / absence of insurance contract of another company, and the like of the prospective customer. The insurance contract information includes, for example, the contracted product name, the amount of the previous contract security, the policy reserve, the monthly premium, the death insurance, the term insurance, the specific illness insurance, the specific condition income insurance, It has arbitrary item information among the item information such as the comprehensive medical insurance daily amount and the lifestyle-related disease hospitalization insurance daily amount.

  The search unit 112 sets search target information in response to the instruction from the insurance proposal unit 111 (procedure S402). If the prospective customer is a non-contractor and a new customer for whom insurance proposal information has not been created in the past, the attribute information is not stored in the proposal database 109. Therefore, in this case, the sales person inputs the attribute information of the prospective customer on the search screen 32, the search unit 112 acquires the input attribute information from the insurance proposal unit 111, and the search unit 112 includes the attribute information. The search target information 40 is set. If the prospective customer is an existing customer for whom insurance proposal information has been created in the past, the attribute information is stored in the proposal database 109. Therefore, in this case, the attribute information of the prospective customer can be searched and acquired from the proposal database 109 using the customer ID, name, and the like as search items. Further, when the prospective customer is also an existing contractor who wishes to convert the contract, insurance contract information is stored in the proposal database 109 in addition to the attribute information. Therefore, in this case, the attribute information and the insurance contract information of the prospective customer can be searched and acquired from the proposal database 109 using, for example, a unique security number or the like as a search item. When acquiring the attribute information or the insurance contract information in addition to the information from the proposal database 109, for example, the sales person inputs search items such as a customer ID, a name, and a security number on the search screen 32, and the insurance proposal unit 111. Sends the search item to the search unit 112. Then, the search unit 112 acquires the attribute information of the prospective customer from the proposal database 109 or the insurance contract information in addition to the attribute information and sets the search target information 40 based on the search item. Note that the search unit 112 may output all of the search target information 40 to be set to the salesperson, or may not output a part or all of the information.

  Next, the search unit 112 searches the registered information 21 of the existing customer other than the prospective customer based on the neighborhood calculation, which is similar to the prospective customer's search target information 40 (step S403). The search unit 112 may determine the degree of similarity between the search target information 40 and the registration information 21. Specifically, the search unit 112 selects k (k is an arbitrary natural number) item information as a variable in the item information common to the search target information 40 and the registration information 21. At this time, if the search target information 40 does not have the insurance contract information, k item information is selected as a variable from the attribute information, and if the search target information 40 has the insurance contract information, A total of k item information items are selected as variables from both the insurance contract information items. Then, the search unit 112 derives a difference between values of each variable of the search target information 40 and the registration information 21. Then, the search unit 112 determines the degree of similarity of the search target information 40 to the registered information 21 (hereinafter, referred to as similarity) using the difference between the values of the variables. Then, the search unit 112 may prioritize the plurality of registration information 21 according to the similarity.

  For example, the search unit 112 determines that the registration information 21 in which the difference between the values of the variables falls within a predetermined range arbitrarily set is similar to the search target information 40. Further, the search unit 112 may use the number of variables whose value difference falls within a predetermined range as the similarity. For example, the search unit 112 determines that the registration information 21 having a larger number of variables whose value difference falls within a predetermined range has a higher similarity.

  As an example of such similarity determination, FIG. 5 shows a similarity to the search target information 40 searched based on the neighborhood calculation using two items of attribute information and ten items of insurance contract information as variables. An example of the registration information 21 is shown. In this example, gender and age are included in the attribute information, contracted product name, previous contract security amount, policy reserve, monthly converted premium, death insurance amount, term insurance amount, specific illness insurance amount in the insurance contract information , A specific state income security insurance annual amount, comprehensive medical insurance daily amount, and lifestyle-related disease hospitalized insurance daily amount were searched using as variables, such that the difference between the values of each variable falls within the range of predetermined similar conditions, It is an example of registration information 21. That is, in this example, the gender is the same, the age difference is within 1 year, the contracted product name is the same, the difference in the amount of previous contract security is less than 1 million yen, the difference in policy reserve is less than 1 million yen, and the difference in monthly premium 1200 yen or less, death insurance difference 4 million yen, term insurance coverage difference 1 million yen or less, specific illness insurance security difference 100,000 yen or less, specific condition income security insurance annuity difference 500,000 yen or less A search example in which the difference in the value of each variable falls within the range of the similar condition, in the range of each similar condition that the daily difference of the comprehensive medical insurance is within 1500 yen and the daily difference of the hospitalized lifestyle insurance is within 1500 yen. It is.

  In another example of the neighborhood calculation, the search unit 112 further normalizes the value of each variable for each registration information 21, and calculates the root-sum-square of the difference between the normalized values, that is, the search target condition 30 and the registration information 21. A distance in a k-dimensional space is derived. Then, the search unit 112 may detect the registered information 21 having a shorter distance as the registered information 21 having a higher similarity to the search target information 40.

  Returning to FIG. 4, the search unit 112 acquires the existing insurance proposal information 22 associated with the registration information 21 similar to the search target information 40 from the proposal database 109 as new insurance proposal information (step S405). At this time, the search unit 112 may acquire a plurality of pieces of existing insurance proposal information 22 corresponding to the plurality of pieces of registered information 21 with the priorities. Then, the output unit 113 outputs the obtained one or more new insurance proposal information 42 to the insurance proposal unit 111 (step S406). At this time, the output unit 113 may output all item information among a plurality of item information included in the new insurance proposal information 42 or may output a part of predetermined item information.

  The insurance proposal unit 111 outputs the new insurance proposal information 42 sent from the output unit 113 to the sales person (step S408). For example, the insurance proposal unit 111 displays the new insurance proposal information 42 on a display. FIG. 6 shows a search result display example 6 on the search screen 32. In this example, item information included in one piece of new insurance proposal information 42 is shown. That is, along with item information 60 such as name, gender, and age included in the attribute information of the prospective customer, the contract product name, monthly converted premium, death protection amount, term insurance amount, and specific information included in the new insurance proposal information 42 Item information 63 such as the amount of sickness insurance, the amount of specific condition income insurance, the amount of total medical insurance, and the amount of daily hospitalization insurance are displayed. Further, in the case where a plurality of new insurance proposal information 42 are displayed by acquiring a plurality of existing insurance proposal information 22, the priority 62 may be displayed for each new insurance proposal information 42. Here, a display example in the form of a single vote is shown, but for example, a plurality of new insurance proposal information 42 may be displayed in a table form. Also, for example, the sales representative instructs a transition to the print screen 33 shown in FIG. 3 and inputs a print instruction on the print screen 33, so that the insurance proposal unit 111 prints out the new insurance proposal information 42. May be.

  As described above, the information providing apparatus of the present embodiment uses at least the attribute of the prospective customer as the search target information 40 and searches for the registration information 21 similar to the search target information 40 based on the neighborhood calculation. Existing customers with similar attributes to prospective customers are likely to have similar insurance needs due to attributes. Therefore, by determining the similarity based on the neighborhood calculation using the attribute information as the search target information 40, it is possible to search for an existing customer whose needs for insurance are similar to those of the prospective customer.

  Further, the information providing apparatus of the present embodiment can perform a search using the insurance contract information as the search target information 40 in addition to the attribute of the prospective customer. Since it is assumed that the insurance contract information reflects the needs of the prospective customer to some extent, the prospective customer wants to review the existing insurance contract (contract conversion) by including the insurance contract information in the search target information 40. In this case, it is possible to efficiently search for existing customers who have similar needs for insurance with prospective customers. In addition, even if the combination of insurance coverage and premiums that can be converted is restricted by the contents of existing insurance contracts, we have previously proposed similar insurance contracts, that is, existing customers with similar restrictions. Leverage proven insurance proposals. In other words, a conversion insurance proposal can be made for a prospective customer from among insurance proposals that can be made in advance, so that a more detailed and more efficient proposal can be made.

  Then, the sales representative proposes, as new insurance proposal information 42, the existing insurance proposal information 22 created for the existing customer having the registration information 21 similar to the search target information 40, thereby increasing the security contents and the insurance premium. It is possible to efficiently make an insurance proposal that meets the needs of a prospective customer from among a large number of combinations. Furthermore, according to the present embodiment, existing insurance proposal information 22 created in the past depending on the personal skills of a sales representative is added to existing customers who have similar needs as prospective customers, and new insurance proposals are made. The information 42 can be reused by another salesperson. Therefore, when sales representatives with varying skills listen to the needs of prospective customers one by one and compare them with the case where search conditions are set, the personal skills required to set search conditions should be shared between sales representatives. As a result, the quality of the proposal can be made uniform throughout the sales office. Then, even a sales person with a low skill can use insurance proposal information from a sales person with a high skill, so that it is possible to improve the proposal quality of the whole sales office.

<Operation example of information providing device: Update>
The sales representative proposes the insurance contract to the prospective customer by presenting the new insurance proposal information 42 to the prospective customer in a form such as display or printing. The information providing apparatus according to the present embodiment stores the new insurance proposal information 42 used by the sales representative in the proposal database 109 as new existing insurance proposal information 22 in association with the prospective customer as an existing customer. I do. By doing so, the attribute information (or attribute information and insurance contract information) is similar to the prospective customer at this time, but the attribute information (or attribute information and insurance contract information) is not similar to the existing customer before that. The newly stored existing insurance proposal information 22 can be proposed to another prospective customer.

  Alternatively, there is a case where the sales person needs to listen to the further needs of the prospective customer through, for example, an interview, and change and adjust the contents of the new insurance proposal information 42 according to the needs. In such a case, when the sales person makes a change to the new insurance proposal information 42, the information providing apparatus in the present embodiment reflects the change in the proposal database 109 and updates the proposal database 109. By doing so, the existing insurance proposal information 22 in the proposal database 109 reflects the needs of the prospective customers in detail at any time, and it is possible to further improve the proposal quality for the next and subsequent times. In particular, even when the needs of prospective customers change according to the trend, by updating the proposal database 109 as needed, it becomes possible to make an insurance proposal that flexibly and promptly follows changes in the needs of prospective customers.

  Thus, according to the information providing apparatus of the present embodiment, the proposal database 109 can be optimized. Such an update operation will be described with reference to FIG.

  FIG. 7 is a flowchart illustrating an operation of updating the proposal database 109 by the information providing apparatus. Here, the operation procedure of the insurance proposal unit 111 of the terminal device 10 and the update unit 114 of the server 11 is shown.

  The insurance proposal unit 111 receives, for example, a change input of item information from a sales representative as appropriate in the search result display example 6 shown in FIG. 6 or on another interface screen (step S700). Then, the insurance proposal unit 111 changes the item information of the new insurance proposal information 42 according to the input when the change input is performed, while the new insurance proposal information 42 is the output when the change input is not performed. Then, the new insurance proposal information 42 is sent to the updating unit 114 to instruct updating (step S701). Then, in response to this, the updating unit 114 updates the proposal database 109 (procedure S702). For example, if the prospective customer is a non-contractor and a new customer for whom insurance proposal information has not been created in the past, the sales representative can enter the attribute information of the prospective customer and search Information 40 is set. In this case, the update unit 114 associates the new insurance proposal information 42 with the search target information 40 set by the search unit 112 in step S402 of FIG. 4, and associates the associated search target information 40 and new insurance proposal information 42 with each other. It is stored in the proposal database 109 as the registration information 21 and the existing insurance proposal information 22. Alternatively, if the prospective customer is an existing customer for whom insurance proposal information has been created in the past, or if the prospective customer is a contracted customer, the attribute information of the prospective customer acquired from the proposal database 109, or additionally Search target information 40 including insurance contract information. In this case, the updating unit 114 changes the existing insurance proposal information 22 at the time of the search so as to correspond to the new insurance proposal information 42 searched in association with the search target information 40 and stores the changed information in the proposal database 109. . Further, in this case, when the attribute information included in the search target information 40 has been changed, the updating unit 114 replaces the registered information 21 searched as similar to the search target information 40 with the changed search target information 40. It changes so that it may correspond and stores in proposal database 109.

  The sales representative may newly generate the new insurance proposal information 42 using, for example, a further function of the insurance proposal section 111 or an application program different from the insurance proposal section 111 in the terminal device 10. In this case, when an instruction to update the proposal database 109 is issued from the insurance proposal unit 111 or a different application program, the update unit 114 associates the new search information 42 with the set search target information 40, The associated search target information 40 and new insurance proposal information 42 are stored in the proposal database 109 as registration information 21 and existing insurance proposal information 22, respectively. Alternatively, the updating unit 114 stores the new insurance proposal information 42 in the proposal database 109 in association with the new insurance proposal information 42 as the existing insurance proposal information 22 with the registered information 21 found to be similar to the set search target information 40. .

<Example of operation of the information providing device: after the contract is completed>
The sales person proposes the new insurance contract to the prospective customer, and when the prospective customer agrees on the proposal, the sales person proceeds with the procedure of concluding (or converting) the insurance contract based on the new insurance proposal information. In such a case, the information providing apparatus according to the present embodiment stores the new insurance proposal information 42 that has been concluded in the contract database 110. The contract database 110 stores, for example, the new insurance proposal information 42 that has reached a contract as contracted insurance contract information in association with the attribute information of the prospective customer.

  Further, the information providing apparatus according to the present embodiment adds contract result information indicating the contract result to the existing insurance proposal information 22 corresponding to the new insurance proposal information 42 that has reached the contract. By doing so, when the search unit 112 searches for a plurality of existing insurance proposal information 22 and prioritizes the same next time, instead of or in addition to the similarity of the registration information 21 with the search target information 40, , And contract result information can be used. For example, the search unit 112 prioritizes the existing insurance proposal information 22 having the closing record higher than the existing insurance proposal information 22 having no closing record.

  The operation of the information providing apparatus after the contract is made will be described with reference to FIGS.

  FIG. 8 is a flowchart illustrating an operation of updating the contract database 110 and the proposal database 109 by the information providing apparatus. Here, the operation procedure of the insurance proposal unit 111 of the terminal device 10 and the management unit 115 of the server 11 is shown.

  The insurance proposal unit 111 receives, as appropriate, the input of the contract result information from the sales representative, for example, in the search result display example 6 shown in FIG. 6 or another interface screen (step S800), and the management unit 115 Is instructed to update the contract result (step S801). Alternatively, an application program different from the insurance proposal unit 111 in the terminal device 10 may receive the input of the contract result information from the sales representative (step S800) and may instruct the management unit 115 to update the contract result (step S801). Good. Upon receiving the contract result update instruction, the management unit 115 associates the new insurance proposal information 42 that has reached the contract with the attribute information included in the search target information 40 of the prospective customer, and stores the contracted insurance contract information 81 and the existing customer, respectively. The attribute information 80 is stored in the contract database 110 (procedure S802). Next, the management unit 115 reads out the stored existing customer attribute information 80 and the contracted insurance contract information 81 from the contract database 110 (step S803). Then, the management unit 115 searches the proposal database 109 for the registration information 21 corresponding to the existing customer attribute information 80, and corresponds to the registration information 21 and the existing insurance corresponding to the new insurance proposal information 42 that has been closed. The contract information is added to the proposal information 22, and the registration information 21 and the existing insurance proposal information 22 are stored in the proposal database 109 (step S804).

  When the search unit 112 newly searches the existing insurance proposal information 22 after updating the proposal database 109 as described above, the plurality of existing insurance proposal information 22 can be prioritized using the contract result information. . The existing insurance proposal information having a track record has a high probability of meeting the needs of prospective customers whose attributes are similar to those of the contracted existing customers. From this point of view, the search unit 112 prioritizes existing insurance proposal information having a closing record higher than existing insurance proposal information having no closing record. Then, the output unit 113 appropriately processes and outputs the plurality of existing insurance proposal information according to the priority order. By doing so, the sales rep can prioritize insurance proposals that are likely to meet the needs of the prospective customer and make a proposal to the prospective customer. Therefore, the efficiency of the insurance proposal can be further improved.

  FIG. 9 shows an example of a search for existing insurance proposal information that is prioritized based on the contract performance information. Here, using the search target information 40 including the attribute information of the prospective customer and the insurance contract information, a plurality of registration information 21 similar to the search target information 40 and the corresponding existing insurance proposal information 22 are searched, An example is shown in which search results are prioritized based on actual contract information and the like, and displayed in a table format by the output unit 113. In Table 90, each row corresponds to one piece of existing insurance proposal information 22. The table 90 may be displayed and output by the insurance proposal unit 111 or may be printed out.

  In Table 90, the item information of the search target information 40 of the prospective customer, the item information of the registration information 21 similar to the search target information 40, and the item information of the existing insurance proposal information 22 corresponding to the registration information 21 are: It is shown in association. The prospective customer search target information 40 includes attribute information item information 91 (age and gender) and insurance contract information item information 92 (securities number, contract product, monthly insurance premium, death protection amount). The registration information 21 also includes item information 93 (age, gender) of attribute information and item information 95 (securities number, contract product, monthly insurance premium, death protection amount) of insurance contract information. The existing insurance proposal information 22 includes item information 96 indicating presence / absence (presence: 1, non-presence: 0) of various insurance options / special contracts (P1 to P6), and contract result information 97. Then, for each existing insurance proposal information, the insurance premium difference 98 between the monthly insurance premium in the insurance contract information of the prospective customer search target information 40 and the monthly insurance premium in the insurance contract information of the registration information 21, and the similarity by neighborhood calculation 99 is shown. The similarity 99 shows a higher numerical value as the distance between the search target information 40 and the registration information 21 is changed by the neighborhood calculation by the output unit 113, so that the similarity is higher.

  The output unit 113 compares the existing insurance proposal information 22 (and the corresponding search target information 40 and registration information 21) in the table 90 with the similarity degree 99 in the order of priority according to the contract result using the contract result information 97 as the first sort key. Are used as a second sort key, and are sorted and displayed in priority order according to the similarity. That is, the existing insurance proposal information 22 having the contract result (the contract result information 97 is “1”) has a higher priority than the existing insurance proposal information 22 having no contract result (the contract result information 97 is “0”). Is attached. The existing insurance proposal information 22 having the same value as the contract result information 97 is prioritized according to the degree of similarity. In the table 90, for example, the existing insurance proposal information 22 (row 900) having the closing result and having the highest similarity of 0.95 has the highest priority. Such existing insurance proposal information 22 is most likely to meet the needs of prospective customers. By displaying or printing out such a table 90, the salesperson can easily recognize the next alternative along with the optimal insurance proposal and can propose it to the prospective customer.

<Modification>
In one modification of the present embodiment, the proposal database 109 of a plurality of business offices is aggregated in a central server higher than the server 11, and the terminal device 10 of each business office communicates with the central server via a wide area network such as the Internet. Connected communicable. In that case, the central server performs the same operation as the server 11 in the above description, while the terminal device 10 of each office communicates with the central server. In that case, the central server corresponds to the information providing device.

  Alternatively, the proposal database 109 may be held in a distributed manner between the server of each office and one or more central servers. Further, any or all of the search unit 112, the output unit 113, the update unit 114, and the management unit 115 may be distributed and implemented by the server 11 of each office and one or a plurality of central servers. In that case, one or a plurality of devices that mount the search unit 112, the output unit 113, the update unit 114, and the management unit 115 correspond to the information providing device. By doing so, it becomes possible to distribute the information processing load while sharing information assets with the entire insurance company.

  Further, each terminal device 10 may have a copy of part or all of the proposal database 109, and each terminal device 10 may implement the search unit 112, the output unit 113, the update unit 114, and the management unit 115. In this case, by periodically synchronizing the copy of the proposal database 109 of the terminal device 10 with the server 11 of each office or the proposal database 109 of the central server, information assets can be shared within the office or between offices. In that case, each terminal device 10 corresponds to the information providing device.

  According to the present embodiment, the information assets related to the insurance proposal and the personal skills of the sales representative can be shared within the sales office or between the sales offices, and the sales office or the insurance company as a whole proposes the insurance contract. Efficiency and quality can be improved.

  The present embodiment can also be realized as a method, a program, and a storage medium on which the program is substantially equivalent to the information providing apparatus described above, and these are included in the scope of the present invention. I want to be understood. Although the present invention has been described with reference to the drawings and embodiments, it should be noted that those skilled in the art can easily make various changes and modifications based on the present disclosure. Therefore, it should be noted that these variations and modifications are included in the scope of the present invention. For example, the functions included in each means, each step, and the like can be rearranged so as not to be logically inconsistent, and a plurality of means, steps, and the like can be combined into one or divided. .

  For example, the computer and other hardware in the present disclosure include, for example, a general-purpose computer, a PC (personal computer), a dedicated computer, a workstation, a PCS (Personal Communications System, a personal mobile communication system), and a mobile phone having a data processing function. , An electronic notepad, a laptop computer, or other programmable data processing device. Various operations may be performed by dedicated circuitry (e.g., discrete logic gates interconnected to perform specific functions) implemented in program instructions (software), or by logic blocks or program modules executed by one or more processors. And so on. For example, one or more microprocessors, CPUs (central processing units), ASICs (Application Specific Integrated Circuits), DSPs (Digital Signal Processors), PLDs (Programmable Logic Device), FPGA (Field Programmable Gate Array), processor, controller, microcontroller, microprocessor, electronics, other devices designed to perform the functions described herein and / or any combination thereof It is.

  The instructions of the control / processing program may be a program code or a code segment for performing a necessary task. The instructions may then be stored on a machine readable non-transitory storage medium or other medium. A code segment may represent a procedure, a function, a subprogram, a program, a routine, a subroutine, a module, a software package, a class, or any combination of instructions, data structures, or program statements. A code segment transmits and / or receives information, data arguments, variables or storage contents to or from another code segment or hardware circuit, thereby connecting the code segment to another code segment or hardware circuit. .

  Further, in addition to the examples described above, the network in the present embodiment includes an ad hoc network, a MAN (Metropolitan Area Network), a cellular network, a WPAN (Wireless Personal Area Network), a PSTN (Public Switched Telephone Network), and a terrestrial radio network. (Terrestrial Wireless Network), optical networks or other networks or any combination thereof. Components of a wireless network include, for example, access points (eg, Wi-Fi access points), femtocells, and the like. Further, the wireless communication device can be connected to a wireless network using Wi-Fi (registered trademark), cellular communication technology or other wireless technologies and technical standards other than Bluetooth (registered trademark).

10: Terminal device 11: Server 109: Proposal database 110: Contract database 111: Insurance proposal unit 112: Search unit 113: Output unit 114: Update unit 115: Management unit

Claims (9)

A storage unit having a proposal database in which registration information including attribute information of existing customers and insurance contract information of the existing customers is associated with existing insurance proposal information for the existing customers;
The attribute information is similar to the search target information including the attribute information of the prospective customer and the insurance contract information possessed by the prospective customer, and the registration information in which the insurance contract information is similar is common to the attribute information and the insurance contract information. A search unit that retrieves the existing insurance proposal information associated with the retrieved registration information from the proposal database as new insurance proposal information for the prospective customer, by searching through the neighborhood calculation between item information .
An output unit that outputs at least a part of the new insurance proposal information,
Information providing device. In claim 1,
The search unit determines the degree of similarity between the registration information and the search target information based on the neighborhood calculation,
Information providing device. In claim 2 ,
The search unit prioritizes the plurality of new insurance proposal information according to the degree of similarity between the registration information and the search target information,
Information providing device. In any one of claims 1 to 3 ,
An update unit that stores the search target information and the new insurance proposal information in the proposal database in association with each other as registration information and existing insurance proposal information,
Information providing device. In claim 4 ,
The updating unit stores the changed new insurance proposal information as the existing insurance proposal information in the proposal database,
Information providing device. In any one of claims 1 to 5 ,
When an insurance contract based on the new insurance proposal information is closed, when the search target information and the new insurance proposal information are stored in the proposal database in association with registration information and existing insurance proposal information, respectively, the existing insurance proposal The information processing apparatus further includes a management unit for adding contract result information to the information.
Information provision device In claim 6 ,
The search unit prioritizes a plurality of the new insurance proposal information according to the contract performance information,
Information providing device. On the computer,
From the proposal database in which the registration information including the attribute information of the existing customer and the insurance contract information of the existing customer is associated with the existing insurance proposal information for the existing customer, the attribute information of the prospective customer and the insurance of the prospective customer The search target information including the contract information and the attribute information are similar to each other and the insurance contract information is similar to each other. The registration information is searched by the neighborhood calculation between the item information common to the attribute information and the insurance contract information. Acquiring the existing insurance proposal information associated with the registered information as new insurance proposal information for the prospective customer;
Outputting at least a part of the new insurance proposal information;
A program that executes In the information providing method by the information providing device,
From the proposal database in which the registration information including the attribute information of the existing customer and the insurance contract information of the existing customer and the existing insurance proposal information for the existing customer are associated, the attribute information of the prospective customer and the insurance The search target information including the contract information and the attribute information are similar to each other, and the insurance contract information is similar to each other. The registration information is searched by the neighborhood calculation of the item information common to the attribute information and the insurance contract information. Acquiring the existing insurance proposal information associated with the registered information as new insurance proposal information for the prospective customer;
Outputting at least a part of the new insurance proposal information;
An information providing method comprising:

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