JP6883054B2 - Information processing equipment, information processing methods and information processing programs - Google Patents

Description

Embodiments of the present invention relate to information processing devices, information processing methods and information processing programs.

Conventionally, a user who intends to use a facility such as an inn, a hotel, or a restaurant can generally make a reservation for the facility via the Internet, telephone, or the like. The facility operator may request an advance payment or cancellation fee from the user who made the reservation as a rule, but in many cases the user cancels without paying the advance payment or cancellation fee, causing damage to the facility operator. May occur.

Therefore, in Patent Document 1, when a user makes a reservation for a facility in the facility use reservation system, an advance payment is collected from the user by a card, and when the reservation is canceled, the advance payment is used as a cancellation fee on the facility operator side. Paying technology has been proposed. In such a facility use reservation system, since the advance payment is collected from the user, it is possible to prevent the occurrence of damage when the reservation is canceled.

Japanese Unexamined Patent Publication No. 2003-196406

In such a conventional technique, since the user needs to pay the advance payment in advance, the user who dislikes this may discourage the reservation. For this reason, in the above-mentioned prior art, for example, even if the user wants to take out some kind of insurance at the time of booking, it is not always possible to effectively guide the user to take out insurance.

The present application has been made in view of the above, and provides information processing devices, information processing methods, and information processing programs that can enhance the convenience of transactions by effectively guiding users to use insurance services. The purpose is to provide.

The information processing device according to the present application is based on an acquisition unit that acquires privilege information indicating a privilege that a user can receive in response to a transaction in a predetermined service, and a privilege information acquired by the acquisition unit. The right to receive one of the electronic benefits corresponding to the transaction, which is electronic points or electronic money as the benefits, and the insurance money in the predetermined insurance service corresponding to the transaction. It is characterized by having an electronic privilege information indicating the electronic privilege and a presenting unit for presenting insurance money information related to the insurance money in a state in which the user can select.

According to one aspect of the embodiment, there is an effect that the convenience of the transaction can be enhanced by effectively guiding the user to use the insurance service.

FIG. 1 is a diagram showing an example of information processing according to the first embodiment. FIG. 2 is a diagram showing a configuration example of the information processing system according to the first embodiment. FIG. 3 is a diagram showing a configuration example of the information processing apparatus according to the first embodiment. FIG. 4 is a diagram showing an example of the service information storage unit according to the first embodiment. FIG. 5 is a diagram showing an example of the application information storage unit according to the first embodiment. FIG. 6 is a flowchart showing an information processing procedure according to the first embodiment. FIG. 7 is a diagram showing an example of information processing according to the second embodiment. FIG. 8 is a diagram showing a configuration example of the information processing apparatus according to the second embodiment. FIG. 9 is a diagram showing an example of the insurance information storage unit according to the second embodiment. FIG. 10 is a flowchart showing an information processing procedure according to the second embodiment. FIG. 11 is a diagram showing an example of a modification according to the second embodiment. FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device.

Hereinafter, an information processing apparatus, an information processing method, and a mode for carrying out an information processing program (hereinafter, referred to as “the embodiment”) according to the present application will be described with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited by this embodiment. Further, in the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

(First Embodiment)
[1. An example of information processing]
First, an example of information processing according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of information processing according to the first embodiment. The information processing according to the first embodiment is performed by the information processing apparatus 100 shown in FIG.

Prior to the description of FIG. 1, the information processing system according to the first embodiment will be described with reference to FIG. FIG. 2 is a diagram showing a configuration example of the information processing system 1 according to the first embodiment. As shown in FIG. 2, the information processing system 1 according to the first embodiment includes a terminal device 10, an insurance company device 40, a card company device 80, and an information processing device 100. The terminal device 10, the insurance company device 40, the card company device 80, and the information processing device 100 are connected to each other via a network N so as to be communicable by wire or wirelessly. The information processing system 1 shown in FIG. 1 includes a plurality of terminal devices 10, a plurality of insurance company devices 40, a plurality of card company devices 80, and a plurality of information processing devices 100. Good.

Further, although not shown in the example of FIG. 2, the information processing system 1 according to the first embodiment is a facility device which is a terminal device belonging to a business owner (facility business owner) of a facility (for example, an accommodation facility). May also be included.

The terminal device 10 is an information processing device used by the user. The terminal device 10 is, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. For example, the terminal device 10 accesses a site that provides an accommodation reservation service (hereinafter, may be referred to as “reservation site Y1”) in response to a user operation, and controls various information related to accommodation reservation. As will be described later, since the reservation site Y1 is provided by the information processing device 100, the terminal device 10 controls the display of various information received from the information processing device 100 by accessing the information processing device 100. In the present embodiment, it is assumed that the application corresponding to the reservation site Y1 is installed in the terminal device 10, and the user has already registered his / her own personal information as an initial setting.

The insurance company device 40 is a server device belonging to the insurance company HY. For example, the insurance company device 40 accumulates various information related to an insurance contract with a customer and performs various controls related to the insurance contract. As an example, the insurance company device 40 calculates insurance premiums and insurance claims. Insurance premiums are money paid by policyholders to insurance companies. In the present embodiment, it is assumed that the insurance premium also includes the concept of the amount indicated by the insurance premium (that is, the insurance premium amount). Insurance money is money paid by the insurance company to the insured (recipient). Similarly, in the present embodiment, it is assumed that the insurance money also includes the concept of the amount indicated by the insurance money (that is, the insurance amount).

The card company device 80 is a server device belonging to the card company. For example, the card company device 80 performs various controls related to payment. As an example, when the user specifies advance payment on the reservation site Y1, the card company device 80 performs payment processing with the information processing device 100.

Here, the premise for performing the information processing according to the first embodiment will be described. Taking accommodation reservations as an example, for example, after completing an accommodation reservation application, the user must cancel the accommodation reservation due to sudden errands, bad weather, poor physical condition, or other unforeseen circumstances. There are times when you have to. In such a case, the user will pay the cancellation fee according to the cancellation policy, for example. For example, 10% of the application amount if canceled up to 7 days before the check-in date, 50% of the application amount if canceled between 1 and 6 days before the check-in date, check-in date If the cancellation is made on the day, the cancellation fee will be paid according to the cancellation policy, such as imposing a payment obligation to pay 100% of the application amount as a cancellation fee.

Although unforeseen, the imposition of payment without receiving the service (accommodation service in this example) is economically and mentally damaging to the user. Therefore, in preparation for such a situation, there is an insurance service that compensates at least a part of the cancellation fee (an insurance service that pays the insured person at least a part of the cancellation fee as insurance money). Such insurance is sometimes called cancellation insurance.

When a user wants to receive such an insurance service, for example, he / she needs to access a site that provides this insurance service separately from the accommodation reservation site, enter various personal information, and conclude an insurance contract by himself / herself. It is troublesome. For this reason, there may be users who want to receive insurance services but give up. There may also be users who are reluctant to pay insurance premiums from an economic perspective.

Therefore, there is a need for a service that does not require an application for troublesome work and can solve the problem of insurance premium payment. For example, it is premised that if the user can receive insurance money to cover the cancellation fee when the reservation is canceled instead of the electronic points that the user can earn in the reservation application, the convenience of applying the cancellation insurance to the reservation application can be improved. There is.

Based on the above assumptions and problems, the information processing apparatus 100 according to the first embodiment performs information processing according to the first embodiment. Specifically, the information processing device 100 acquires privilege information indicating a privilege that can be received by the user in response to conducting a transaction with a predetermined service. Then, based on the acquired privilege information, the information processing apparatus 100 is an electronic privilege that is an electronic point or electronic money as a privilege and corresponds to a transaction, and an insurance money as a privilege that the user can use. Presenting electronic benefit information indicating electronic benefits and insurance claim information related to insurance claims in a state where the user can select to receive one of the insurance claims to compensate for the cancellation fee incurred when the transaction is canceled. To do. When the electronic privilege is an electronic point, the electronic privilege information indicating the electronic privilege indicates, for example, the number of points corresponding to the amount of money corresponding to the electronic privilege. When the electronic privilege is electronic money, the electronic privilege information indicating the electronic privilege indicates, for example, an amount corresponding to the electronic money or the number of points corresponding to the amount. In the first embodiment below, the electronic privilege is described as an electronic point, but the electronic point can be replaced with electronic money. Further, the number of points of the electronic points can be replaced with the amount of money corresponding to the electronic money, the number of points corresponding to the amount of money corresponding to the electronic money, and the like.

For example, the information processing device 100 presents insurance money information related to insurance money that can be received as a privilege instead of electronic points when the user cancels the transaction. Further, for example, the information processing apparatus 100 provides point information and insurance money information in a state in which the user can select to receive either electronic points or insurance money at the timing of applying for a transaction. Present. Further, for example, the information processing device 100 is a business owner who provides a predetermined service as insurance money information, and is a business of taking out cancellation insurance, which is an insurance that compensates for a cancellation fee incurred when a transaction is canceled. Presents insurance claim information regarding insurance claims calculated based on the insurance premiums paid by the Lord.

Hereinafter, an example of information processing according to the first embodiment will be described. In the present embodiment, the information processing apparatus 100 is managed by the business owner Y. Further, since the information processing device 100 provides the reservation site Y1, the reservation site Y1 can be rephrased as a site operated by the business owner Y. The accommodation reservation service provided on the reservation site Y1 is an example of a predetermined service. A series of transactions related to a reservation application on the reservation site Y1 is an example of a transaction on a predetermined service. On the reservation site Y1, if you cancel the reservation application after the reservation application is completed, 50% (50% of the application amount) will be charged as a cancellation fee regardless of the number of days back from the check-in date. To do. Further, in the example of FIG. 1, the user of the terminal device 10 is the user U1. Further, it is assumed that the "U1" of the user U1 also serves as identification information for identifying the user as well as the user name.

First, the terminal device 10 accesses the information processing device 100 in response to the operation of the user U1 and displays the page P1 in the reservation site Y1. Page P1 introduces Plan PL1, which is one of the accommodation plans at a certain accommodation facility. In this case, Plan PL1 can also be understood as an example of the service. On the reservation site Y1, for example, a member rank is given to the user according to the usage status of the user so far. In the example of page P1 shown in FIG. 1, the member rank of the user U1 is regular (regular member). In addition to regular members, there are platinum, silver, bronze, etc. in the membership rank. Further, in the example of page P1 shown in FIG. 1, the application amount for the plan PL1 is "20,000 yen". Further, the page P1 shown in FIG. 1 includes a button BT1 for advancing to the page P2 for causing the user to set various information related to the reservation.

In such a state, it is assumed that the user U1 presses the button BT1. In such a case, the terminal device 10 transmits information to the effect that the button BT1 is pressed (BT1 pressing information) to the information processing device 100 (step S1). The BT1 pressing information includes, for example, identification information of the terminal device 10.

Upon receiving the BT1 pressing information, the information processing device 100 executes a calculation process for calculating the privilege to the user U1 (step S2). As a privilege to the user U1, the electronic points that the user U1 can receive in response to the reservation application to the plan PL1 and the case where the user U1 cancels the reservation application after the reservation application to the plan PL1 is completed. There is an insurance claim to cover the cancellation fee incurred in. In addition, after the reservation application to the plan PL1 is completed, it can be rephrased as after the pre-payment (card payment) related to the reservation application to the plan PL1 is completed. Further, in the example of FIG. 1, the point name (service name) of the electronic point is set to "Y2 point", and for example, when simply calculating the electronic point (or Y2 point), the number of points of the electronic point is calculated. It shall include the concept of Similarly, for example, when simply calculating the insurance amount, the concept of calculating the insurance amount shall be included.

First, an example of calculating electronic points is shown. For example, the information processing device 100 calculates electronic points based on the application amount to the plan PL1 and the point award rate according to the member rank of the user U1 (an example of the magnification according to the member rank). Here, in the case of a regular member, it is assumed that the point award rate of "1%" is preset for the information processing apparatus 100. Then, the information processing apparatus 100 calculates the electronic points "200pt" by the application amount "20,000 yen" x the grant rate "0.01". For this reason, the value (number of points) of electronic points calculated by the information processing device 100 differs depending on the application amount and the user.

Next, an example of calculating insurance claims is shown. For example, the information processing apparatus 100 calculates the insurance money based on the ratio according to the member rank of the member rank of the user U1. Further, for example, the information processing device 100 is a business owner who provides the reservation site Y1 and subscribes to cancellation insurance, which is insurance for compensating for the cancellation fee incurred when the application to the plan PL1 is cancelled. (In the example of FIG. 1, the insurance money is calculated based on the ratio based on the insurance premium paid by the business owner Y). The logic for taking out cancellation insurance will be described later.

Here, the insurance money is calculated based on the insurance premium. Also, due to the nature of insurance, insurance claims are never paid more than the amount of loss. The loss amount in the example of FIG. 1 is a cancellation fee, and the cancellation fee corresponding to the application amount "20,000 yen" is "10,000 yen" based on 50% of the application amount. Therefore, the information processing device 100 is based on the member rank "regular" of the user U1, the current insurance premium status, and the cancellation fee "10,000" so that the insurance company HY does not lose money and the cancellation fee "10,000". It is an insurance amount ratio that can calculate an insurance amount that does not exceed "10,000", and the insurance amount ratio that fluctuates according to the member rank is dynamically determined. Then, the information processing device 100 calculates the insurance money based on the determined insurance money ratio. In such an example, assuming that the information processing apparatus 100 determines the insurance money ratio "50%", the insurance money "5,000 yen" is calculated by the cancellation fee "10,000" x the insurance money ratio "0.5". calculate.

As an example, the information processing device 100 has an insurance claim ratio of "70%" for bronze member users, an insurance claim ratio of "80%" for silver member users, and an insurance claim ratio for platinum member users. Calculate "90%". Although the information processing apparatus 100 dynamically determines the insurance claim ratio, the insurance claim ratio may be determined in advance by, for example, the business owner Y or the insurance company HY. Further, the insurance money (5,000 yen in the example of FIG. 1) calculated by the information processing apparatus 100 in step S2 is an upper limit amount (limit amount) that can be paid to the user U1.

Further, the information processing device 100 may calculate the insurance money based on the electronic points. For example, the information processing device 100 may calculate the insurance money according to a rule that N times the electronic points (N is an arbitrary numerical value) as the insurance money, or the insurance money ratio according to the electronic points. By deciding, the insurance money may be calculated using this insurance money ratio. That is, the information processing device 100 may calculate the insurance money that depends on the value of the electronic points.

Next, the information processing device 100 has one of the electronic points "200pt" (electronic points as a privilege) calculated in step S2 and the insurance money "5,000 yen" (insurance money as a privilege). A distribution process is performed to distribute the page P2, which is the content whose reception is controlled so that the user U1 can select it (step S3). Again, the insurance money "5,000 yen" is an insurance money that can be received instead of the electronic points "200pt" when the user U1 cancels the application for the plan PL1.

For example, the information processing apparatus 100 acquires the privilege information indicating the electronic point "200 pt" and the privilege information indicating the insurance money "5,000 yen". Then, the information processing device 100 generates page P2 as a distribution process based on the acquired privilege information. For example, as shown in FIG. 1, the information processing apparatus 100 is displayed in the area AR1 that the electronic points that can be obtained by this application are "200 pt", and the insurance that can be received when the application is canceled in the area AR2. Generate page P2 so that the money is displayed as "5,000 yen". More specifically, the information processing apparatus 100 includes a check box in each area for allowing the user U1 to select one of the electronic point "200pt" and the insurance money "5,000 yen". Generate page P2. Further, the page P2 includes a button BT2 for advancing to the page P3 for causing the user to input personal information.

For example, if the user U1 inputs a check mark in the check box installed next to "Receive Y2 points" in the area AR1 on the page P2, the insurance money "5," even if the application for the plan PL1 is canceled. Instead of not being able to receive "000 yen", you can definitely earn electronic points "200pt". On the other hand, when the user U1 inputs a check mark in the check box installed next to "Receive insurance money" in the area AR2 on page P2, and cancels the application for plan PL1, the insurance money "5, You can receive "000 yen" but not the electronic point "200pt".

Returning to the explanation, the information processing device 100 distributes the generated page P2 to the terminal device 10 as a distribution process.

It is assumed that the user U1 selects to receive the insurance money "5,000 yen" on the page P2 and then presses the button BT2. In such a case, the terminal device 10 transmits information to the effect that the button BT2 is pressed (BT2 pressing information) to the information processing device 100 (step S4). The BT2 pressing information includes, for example, identification information of the terminal device 10 and selection information indicating selection contents by the user U1.

When the information processing device 100 receives the BT2 pressing information, it performs a distribution process for distributing the page P3 for inputting personal information (step S5). The information processing device 100 generates page P3 as shown in FIG. 1 as a distribution process. For example, the information processing apparatus 100 generates a page P3 including an input field for personal information and a button BT3 for confirming the reservation of the plan PL1 and performing the settlement process. Further, the information processing device 100 distributes the generated page P3 to the terminal device 10 as a distribution process.

In such a state, it is assumed that the user U1 presses the button BT3. In such a case, the terminal device 10 transmits information to the effect that the button BT3 is pressed (BT3 pressing information) to the information processing device 100 (step S6). The BT3 pressing information includes, for example, identification information of the terminal device 10 and input information indicating input contents by the user U1.

When the information processing apparatus 100 receives the BT3 pressing information, the information processing apparatus 100 executes a subscription contract process, which is a process related to a contract for the business owner Y to subscribe to the cancellation insurance of the insurance company HY (step S7). In the present embodiment, it is the insurance company HY that provides the cancellation insurance, which is the insurance that compensates for the cancellation fee incurred when the application for the service (application for accommodation reservation via the reservation site Y1) is cancelled. The business owner Y who provides the reservation site Y1 takes out this cancellation insurance. That is, in the present embodiment, since the user does not need to take out the cancellation insurance, the troublesome procedure at the time of the enrollment contract becomes unnecessary. Therefore, in the present embodiment, the policyholder who takes out the cancellation insurance is the business owner Y, and the beneficiary who receives the insurance money of the cancellation insurance, that is, the insured person is the user.

In addition, each time the business owner Y makes an application for the service, he / she concludes a subscription contract related to this application with the insurance company HY. That is, the business owner Y concludes one subscription contract with the insurance company HY for each transaction (one application). Therefore, the information processing apparatus 100 executes the subscription contract processing related to this subscription contract in step S7. In the example of FIG. 1, in response to the user U1 applying for the plan PL1, the information processing device 100 is a subscription contract for the business owner Y to take out the cancellation insurance of the insurance company HY for each application. Execute the process.

Here, if the user chooses to receive insurance money instead of electronic points as a privilege of applying for a transaction, the electronic points will not be given to the user. In the example of FIG. 1, since the user U1 chose to receive the insurance money "5,000 yen" at the time of cancellation instead of receiving the electronic point "200pt" for the reservation application to the plan PL1, the user U1 received the electronic point "5,000 yen". "200pt" is not given. The business owner Y uses a part of the company's fund source for electronic points to be given to the user, but because the user U1 chooses to receive the insurance money "5,000 yen", the business owner Y uses a part of the company's fund source. Is no longer required to be used for the electronic point "200pt". Therefore, the information processing device 100 transfers the business owner Y to the plan PL1 by remittance of, for example, the insurance premium "200 yen" to the insurance company device 40 of the insurance company HY as the insurance premium corresponding to the electronic point "200pt". Enrollment contract processing such as enrolling in cancellation insurance corresponding to the reservation application of.

Further, as described in step S2, the insurance money that the user U1 can receive is calculated based on the insurance premium paid by the business owner Y to the insurance company HY in the subscription contract. Therefore, in the present embodiment, the electronic points Is the source of insurance money. Specifically, since the funds for electronic points that should be given to the user as a privilege are sent to the payment of insurance money, the electronic points are the source of the insurance money. Here, in general insurance, the premium is calculated based on the insurance money. However, in the present embodiment, since the electronic points are the source of the insurance premium, the insurance money is calculated based on the insurance premium.

Next, the information processing device 100 performs a settlement process for settling the application amount "20,000 yen" in the reservation application to the plan PL1 (step S8). For example, the information processing device 100 performs payment processing with a card company device 80 (not shown). For example, the information processing device 100 performs a payment process so that the application amount "20,000 yen" is deducted from the bank account of the user U1.

In such a state, it is assumed that the user U1 operates the terminal device 10 and cancels the reservation application to the plan PL1. In such a case, the terminal device 10 transmits a cancellation request requesting cancellation of the reservation application to the plan PL1 to the information processing device 100.

Upon receiving the cancellation request, the information processing device 100 executes a cancellation process for canceling the reservation application to the plan PL1 (step S9). For example, the information processing apparatus 100 cancels the reservation application to the plan PL1 and then calculates the cancellation fee based on the cancellation policy on the reservation site Y1. For example, if the cancellation is made 7 days before the check-in date, 10% of the application amount will be charged as a cancellation fee, and the current date when the cancellation request is received is from the 7th day of the check-in date. If it is before, the information processing device 100 calculates the cancellation fee "2,000 yen".

As described above, in the present embodiment, a flat rate of 50% (50% of the application amount) is levied as a cancellation fee. Therefore, the information processing device 100 calculates the cancellation fee "10,000 yen". Further, since the information processing device 100 selects that the user U1 receives the insurance money "5,000 yen" at the time of cancellation, the insurance money "5," is given to the cancellation fee "10,000 yen". By applying "000 yen", the cancellation fee to be finally paid by the user U1 is calculated. In such an example, the user U1 pays the difference "5,000 yen" obtained by subtracting the insurance money "5,000 yen" from the cancellation fee "10,000 yen". Therefore, the information processing apparatus 100 calculates the cancellation fee "5,000 yen" by applying the insurance money "5,000 yen" to the cancellation fee "10,000 yen".

User U1 has already settled the application amount of "20,000 yen", but only needs to pay the cancellation fee "5,000 yen" after application with the insurance money "5,000 yen" applied. Good. Therefore, the information processing device 100 performs a refund process for refunding the difference "15,000 yen" obtained by subtracting the cancellation fee "5,000 yen" after insurance application from the application amount "20,000 yen" to the user U1. .. For example, the information processing device 100 accesses the card company device 80 and requests that the difference "15,000 yen" be refunded to the user U1. In this way, the user U1 can indirectly receive the insurance money "5,000 yen".

The information processing device 100 does not dynamically apply the insurance money "5,000 yen" on the device side, that is, the difference "5,000 yen" after deducting the cancellation fee "5,000 yen" after the insurance is applied. Instead of refunding "15,000 yen" to user U1, for example, the card company device 80 is made to refund the entire application amount "20,000 yen" to user U1, and the insurance money "5,000" is also refunded. The user U1 may be made to send money. In such a case, the information processing apparatus 100 can instruct the user to pay the initial cancellation fee of "10,000 yen". In this case, the user U1 can cover, for example, "5,000 yen" of the cancellation fee "10,000 yen" with the insurance money "5,000".

By the way, as described above, the information processing apparatus 100 acquires privilege information indicating the privilege that the user can receive in response to conducting a transaction with a predetermined service. Then, the information processing device 100 occurs when the user cancels the transaction with the electronic points as a privilege and the electronic points corresponding to the transaction and the insurance money as a privilege based on the acquired privilege information. The point information indicating the electronic points and the insurance money information related to the insurance money are presented in a state where the user can select to receive one of the insurance money for compensating the cancellation fee. In addition, it is not the user who applied for the cancellation insurance, but the business owner who provides the service.

For example, if you find a room available in a popular accommodation, the future schedule is unknown, but I would like to reserve the schedule and room for the time being. However, if you have to cancel your reservation application, you will not be able to pay the cancellation fee even though you cannot receive the service (cannot stay), so please compensate the cancellation fee with a simple procedure. There are user needs such as. In such a case, the information processing device 100 should be able to receive the information processing according to the first embodiment described so far without troublesome procedures at the same timing as the reservation application, that is, at the stage of making the reservation application. Instead of the electronic points of, the user can choose to receive insurance money in an amount corresponding to the number of points of the electronic points. As a result, the information processing apparatus 100 can give the user a sense of security that the cancellation fee is compensated and a high degree of convenience, so that the reservation application can be promoted. Further, in the information processing apparatus 100, the business owner Y can contribute to the sales of the facility business owner as the reservation application is promoted. The information processing device 100 can also activate the advance reservation. Further, since the information processing device 100 does not require the user to pay the advance payment, it is possible to prevent the user from discouraging the reservation. Further, from such a thing, the information processing apparatus 100 can compensate the cancellation fee when the transaction is canceled without deteriorating the impression of the user at the time of the transaction.

Although it has been explained that the information processing device 100 is a server device belonging to the business owner Y in FIG. 1, the information processing device 100 is a server device that does not belong to either the business owner Y or the card company HY. May be good.

Further, although it has been explained that the information processing apparatus 100 executes a cancellation process for canceling the reservation application when the cancellation request is received (step S9), the user is requested for the reason for cancellation, and the reason for cancellation is the predetermined condition information. Cancellation processing may be executed depending on whether or not the conditions are satisfied. As an example, if the reason for cancellation is "check-in date, due to typhoon occurrence forecast at the site" and "bad weather reason" is specified in the condition information, the information processing device 100 will set the "check-in date," Determine if there is a possibility of a typhoon occurring at the site. When the information processing device 100 obtains a determination result that there is a possibility of "a typhoon occurs on the site on the check-in date", it determines that the reason for cancellation satisfies the predetermined condition information, and cancels the reservation application. Execute the cancellation process. On the other hand, the information processing apparatus 100 accepts the cancellation when it is determined that the reason for cancellation does not satisfy the predetermined condition information, that is, when it is determined that the user does not have a valid reason for canceling the reservation application. So, for example, the user is obliged to pay the entire application amount. In order to impose such a payment obligation on the user, for example, it is necessary to notify the user of this at the cancellation policy or the stage before accepting the application (for example, page P1 or P2).

[2. Information processing device configuration]
Next, the information processing apparatus 100 according to the first embodiment will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of the information processing apparatus 100 according to the first embodiment. As shown in FIG. 3, the information processing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130. For example, the information processing device 100 is a server device that performs information processing described with reference to FIG.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 120 includes a service information storage unit 121 and an application information storage unit 122.

(About the service information storage unit 121)
The service information storage unit 121 stores information about the service. In the present embodiment, the accommodation reservation service is targeted, but in such a case, the service information storage unit 121 stores information related to various accommodation plans. For example, the service information storage unit 121 stores information on the accommodation plan provided by the accommodation facility for each accommodation installation. Here, FIG. 4 shows an example of the service information storage unit 121 according to the first embodiment. In the example of FIG. 4, the service information storage unit 121 has items such as "plan ID", "plan name", "amount", and "detailed information".

The "plan ID" indicates identification information that identifies the accommodation plan. "Plan name" indicates the name of the accommodation plan. "Amount" indicates the application amount of the accommodation plan. "Detailed information" indicates the detailed contents of the accommodation plan.

That is, in the example of FIG. 4, the name of the accommodation plan (plan PL1) identified by the plan ID "PL1" is "PNA1", the application amount is "20,000 yen", and the detailed information is "PDA1". Here is an example. In the example of FIG. 4, conceptual symbols are used for "name" and "detailed information" for the sake of simplicity.

(About application information storage unit 122)
The application information storage unit 122 stores various peripheral information related to the reservation application. Here, FIG. 5 shows an example of the application information storage unit 122 according to the first embodiment. In the example of FIG. 5, the application information storage unit 122 stores items such as "user ID", "member rank", "owned points", "application plan", "privilege information", "selection information", and "cancellation information". Have. Further, in the example of FIG. 5, the “privilege information” includes items such as “number of points” and “insurance amount”. Further, in the example of FIG. 5, the “selection information” includes items such as “points” and “insurance money”.

The "user ID" indicates identification information that identifies the user or the user's terminal device 10. The "member rank" indicates the member rank of the user on the reservation site Y1. The "owned points" indicate the number of points currently held by the user (the number of Y2 points). The "application plan" indicates an accommodation plan for which the user has applied for a reservation.

The "privilege information" indicates privilege information indicating the privilege that the user can receive in response to making a transaction (reservation application). The "number of points" is an electronic point as a privilege, and indicates the number of electronic points corresponding to the charge (application amount) of the accommodation plan applied to the user. For example, the “number of points” is the number of points calculated in the calculation process of step S2 shown in FIG. Further, the "insurance amount" indicates the amount of the insurance money that can be received as a privilege instead of the electronic points when the transaction (reservation application) is canceled, and the amount of the insurance money that compensates for the cancellation fee. For example, the “insurance amount” is the insurance amount calculated by the calculation process of step S2 shown in FIG.

As described with reference to FIG. 1, the user can choose to receive either electronic points or insurance claims. Therefore, the "selection information" is information indicating which of the electronic points and the insurance money the user has selected to receive. For example, if the user enters a check mark in the check box placed next to "Receive insurance money" in the area AR2 on page P2, that is, if he / she chooses to receive insurance money, "selection information". Of the "points" and "insurance money" corresponding to, for example, a predetermined mark (○ mark, etc.) is input to the "insurance money".

"Cancellation information" is information indicating whether or not the reservation application has been cancelled. For example, in the cancellation process of step S9 shown in FIG. 1, when a cancellation request for a reservation application is received from the user, a predetermined mark (○ mark or the like) is input to the “cancellation information”.

That is, in the example of FIG. 5, the user (user U1) identified by the user ID "U1" has a member rank "regular", possession points "35pt", and an application plan "plan PL1". Shown. Further, the example of FIG. 5 shows an example in which when the user U1 makes a reservation application for "Plan PL1", he / she has the right to receive the electronic points "200pt" as a privilege. Further, in the example of FIG. 5, when the user U1 cancels the "plan PL1" while applying for the reservation to the "plan PL1", the insurance money "5,000 yen" is used instead of the electronic point "200pt". Here is an example of the right to receive. Further, in the example of FIG. 5, an example is shown in which the user U1 selects to receive "insurance money" (only at the time of cancellation) among "points" and "insurance money". Further, in the example of FIG. 5, an example in which the user U1 cancels the reservation application to "Plan PL1" is shown.

(About control unit 130)
Returning to FIG. 3, in the control unit 130, various programs stored in the storage device inside the information processing device 100 are executed by the CPU (Central Processing Unit), the MPU (Micro Processing Unit), etc. using the RAM as the work area. It is realized by. Further, the control unit 130 is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 3, the control unit 130 includes a reception unit 131, a calculation unit 132, an acquisition unit 133, a service provision unit 134, an application reception unit 135, a settlement unit 136, and a cancellation processing unit 137. It has and realizes or executes the functions and actions of information processing described below. The internal configuration of the control unit 130 is not limited to the configuration shown in FIG. 3, and may be another configuration as long as it is a configuration for performing information processing described later. Further, the connection relationship of each processing unit included in the control unit 130 is not limited to the connection relationship shown in FIG. 3, and may be another connection relationship.

(About receiver 131)
The receiving unit 131 receives various information transmitted from the terminal device 10 in response to a user operation. For example, the receiving unit 131 receives the pressing information from the terminal device 10 when the operation button included in the content is pressed. In the example of FIG. 1, the receiving unit 131 receives the B1 pressing information, the B2 pressing information, and the B3 pressing information. The receiving unit 131 can receive, for example, the identification information (user ID) of the terminal device 10 and the pressing information including the setting information or the input information by the user in the content. In addition, the receiving unit 131 stores the received information in the application information storage unit 122.

(About calculation unit 132)
The calculation unit 132 calculates the number of points or the amount of money corresponding to the electronic privilege. For example, the calculation unit 132 performs a calculation process for calculating the number of electronic points (or the amount of electronic money) and the insurance money. The calculation unit 132 performs the calculation process described in step S5 of FIG. Specifically, the calculation unit 132 calculates the electronic points corresponding to the transaction as the privilege information acquired by the acquisition unit 133, which will be described later. For example, the calculation unit 132 calculates electronic points based on the application amount for a predetermined service and the point award rate according to the member rank of the user in the predetermined service.

In addition, the calculation unit 132 calculates the insurance money (insurance amount) as the privilege information acquired by the acquisition unit 133, which will be described later, based on the ratio according to the member rank of the user in the predetermined service. For example, the calculation unit 132 is based on the premium paid by the business owner who provides the predetermined service and who takes out the cancellation insurance, which is the insurance that compensates the cancellation fee incurred when the transaction is cancelled. Determine the proportion. Then, the calculation unit 132 calculates the insurance money based on the determined ratio.

(About acquisition unit 133)
The acquisition unit 133 acquires privilege information indicating the privilege that the user can receive in response to conducting a transaction with a predetermined service. For example, the acquisition unit 133 uses the privilege information calculated by the calculation unit 132 as described above, that is, the point information indicating the electronic points as the privilege (the number of points corresponding to the electronic privilege) and the insurance money as the privilege. Acquire insurance money information indicating the insurance money to compensate the cancellation fee incurred when the user cancels the transaction. For example, the acquisition unit 133 can acquire the privilege information directly from the calculation unit 132, or the privilege information temporarily stored in the application information storage unit 122 by the calculation unit 132 can be acquired from the application information storage unit 122. it can.

(About service provider 134)
Based on the privilege information acquired by the acquisition unit 133, the service providing unit 134 receives electronic points as benefits or electronic benefits that are electronic money and corresponds to the transaction, and insurance money as benefits. Electronic benefit information indicating electronic benefits and insurance claims related to insurance claims, with the user being able to select to receive one of the insurance claims that cover the cancellation fee incurred when the user cancels the transaction. Present information.

Specifically, the service providing unit 134 presents insurance claim information regarding insurance claims that can be received as benefits instead of electronic benefits when the user cancels the transaction. In addition, the service providing unit 134 presents point information and insurance money information in a state in which the user can select to receive either the electronic benefit or the insurance money at the timing of applying for the transaction. ..

In addition, the service providing unit 134 is provided by the business owner who provides the prescribed service as insurance money information and who takes out the cancellation insurance, which is the insurance that compensates the cancellation fee incurred when the transaction is cancelled. Present insurance claim information regarding insurance claims calculated based on the premiums paid. In addition, the service providing unit 134 presents insurance claim information regarding insurance claims calculated based on the insurance premiums paid by the business owner by taking out cancellation insurance each time a transaction is made by the user. .. For example, the service providing unit 134 presents insurance claim information regarding insurance claims, which is an insurance premium funded by electronic points corresponding to transactions and is calculated based on the insurance premiums paid by the business owner. ..

As an example, the service providing unit 134 performs the distribution process described with reference to FIG. For example, when the service providing unit 134 receives the privilege information from the acquisition unit 133, the service providing unit 134 and the point information indicating the electronic points in a state where the user can select to receive either the electronic privilege or the insurance money. , Generate content (page P2) that displays insurance claim information related to this insurance claim. Then, the service providing unit 134 distributes the generated content to the terminal device 10. In the example of FIG. 1, the service providing unit 134 distributes the content in which the insurance amount itself is displayed. For example, the ratio calculated by the calculation unit 132 (what percentage of the application amount is the insurance amount). You may generate and distribute the content that displays the ratio). Further, from the above point, the service providing unit 134 is a processing unit corresponding to the presenting unit.

(About application reception department 135)
The application reception unit 135 accepts applications for transactions. For example, the application reception unit 135 accepts a reservation application for a specific accommodation plan in the accommodation service. In the example of FIG. 1, the application reception unit 135 is selected to receive insurance money when the button BT3 is pressed by the user U1 and the accommodation plan is the plan PL1. Accepts reservation applications for Plan PL1. As described above, since the pressing information when the button is pressed is received by the receiving unit 131, the application receiving unit 135 may accept the reservation application via the receiving unit 131, for example, and the reservation application may be received. It may be received directly from the terminal device 10.

(About Settlement Department 136)
The settlement unit 136 makes a settlement regarding the transaction. For example, the settlement unit 136 performs a settlement process for settling the application amount when an application for a transaction is accepted by the application reception unit 135. For example, the settlement unit 136 performs the settlement process when the user specifies the advance settlement of the transaction (card settlement). For example, the settlement unit 136 performs the settlement process described with reference to FIG.

(About cancellation processing unit 137)
The cancellation processing unit 137 performs processing related to cancellation of the transaction. For example, when the cancellation processing unit 137 receives a cancellation request requesting cancellation of a transaction from the user, the cancellation fee is calculated based on the cancellation policy and the refund rate determined according to the cancellation time. Then, the cancellation processing unit 137 refunds the difference obtained by subtracting the cancellation fee from the application amount. In addition, if the user has selected to receive insurance money to compensate for the cancellation fee incurred when the transaction is canceled, the cancellation processing unit 137 applies the insurance money to the cancellation fee to obtain an appropriate amount. Refund. For example, the cancellation processing unit 137 performs the cancellation processing described with reference to FIG.

[3. Processing procedure]
Next, the procedure of information processing according to the first embodiment will be described with reference to FIG. FIG. 6 is a flowchart showing an information processing procedure according to the first embodiment. In addition, in FIG. 6, a transaction is described as a reservation application for an accommodation plan. In the following flowchart, the electronic privilege is described as being an electronic point, but it may be electronic money.

First, the receiving unit 131 is one of an electronic point as an application privilege and an insurance money as an application privilege that compensates for a cancellation fee incurred when the user cancels the reservation application. It is determined whether or not a delivery request for the selection content (page P2 in the example of FIG. 1) whose reception is controlled so that the user can select it has been received (step S101). If the receiving unit 131 has not received the distribution request for the selection content (step S101; No), the receiving unit 131 waits until it is received. On the other hand, when the distribution request for the selection content is received (step S101; Yes), the calculation unit 132 performs a calculation process for calculating the electronic points and the insurance money (step S102). In addition, for example, in the example of FIG. 1, the receiving unit 131 determines that the distribution request of the selection content has been received when the BT1 pressing information is received.

Further, the acquisition unit 133 acquires the calculation result by the calculation unit 132, that is, the point information and the insurance money information, and outputs the calculation result to the service providing unit 134. The service providing unit 134 performs a distribution process of distributing the selection content in response to the distribution request based on the point information and the insurance money information which are the privilege information received from the acquisition unit 133 (step S103). For example, the service providing unit 134 may use either an electronic point as an application privilege or an insurance money as an application privilege to compensate for a cancellation fee incurred when the user cancels the reservation application. Generates selection content that is controlled so that the user can select the receipt of. Then, the service providing unit 134 distributes the generated selection content to the distribution requesting terminal device 10.

Next, the receiving unit 131 determines whether or not the receipt of either the electronic points or the insurance money has been selected by the user in the selection content delivered in step S103 (step S104). If not selected (step S104; No), the receiving unit 131 waits until it is selected. On the other hand, when selected (step S104; Yes), the service providing unit 134 performs a distribution process of distributing the application content (page P3 in the example of FIG. 1) (step S105). In addition, for example, in the example of FIG. 1, the receiving unit 131 determines that the distribution request of the application content has been received when the BT2 pressing information is received.

Next, the application reception unit 135 determines whether or not the reservation application for the accommodation plan has been accepted (step S106). If the application reception unit 135 has not accepted the reservation application (step S106; No), it waits until it is accepted. On the other hand, when the application reception unit 135 accepts the reservation application (step S106; Yes), the application reception unit 135 gives the user a privilege based on the selection information indicating the content selected by the user in step S104 (step S107). .. For example, when the selection information indicates the receipt of electronic points, the application reception unit 135 grants the user electronic points for the number of points calculated by the calculation unit 132 in step S102.

Here, although not shown in FIG. 6, in step S107, the settlement unit 136 performs a settlement process for settling the application amount corresponding to the reservation application received by the application reception unit 135. In addition, the control unit 130 processes the subscription contract for the business owner who provides the accommodation reservation service to subscribe to the cancellation insurance (step S108).

Further, in such a state, the cancellation processing unit 137 determines whether or not the cancellation request for canceling the reservation application has been accepted (step S109). If the cancellation processing unit 137 has not received the cancellation request (step S109; No), the cancellation processing unit 137 ends the processing. On the other hand, when the cancellation processing unit 137 receives the cancellation request (step S109; Yes), the cancellation processing unit 137 performs the cancellation processing based on the selection information indicating the content selected by the user in step S104 (step S110). For example, if the selection information indicates receipt of insurance money at the time of cancellation, the cancellation processing unit 137 performs cancellation processing for refunding an appropriate amount by applying the insurance money to the cancellation fee.

[4. Modification example]
The information processing apparatus 100 according to the first embodiment may be implemented in various different forms other than the first embodiment. Therefore, another embodiment of the information processing apparatus 100 will be described below.

[4-1. Point calculation based on cancellation status]
In the first embodiment, the calculation unit 132 calculates the electronic points to be given as a privilege of the application based on the magnification (for example, the point giving rate) according to the member rank of the user in the predetermined service. showed that. However, the calculation unit 132 may calculate the electronic points based on the cancellation status in which the user has canceled the transaction so far. For example, when the cancellation status in which the user has canceled the transaction so far indicates a cancellation rate equal to or higher than the threshold value, the calculation unit 132 lowers the point award rate according to the member rank of the user according to the cancellation rate. .. Then, the calculation unit 132 calculates the electronic points using the point award rate after the reduction. As another example, when the cancellation status in which the user has canceled the transaction so far indicates the number of cancellations equal to or greater than the threshold value, the calculation unit 132 points according to the member rank of the user according to the number of cancellations. Lower the grant rate. Then, the calculation unit 132 calculates the electronic points using the point award rate after the reduction.

When a transaction is canceled, for example, the facility owner (for example, the accommodation facility side) often suffers a disadvantage. For example, even if the facility owner pays 100% of the reservation application amount as a cancellation fee, the facility owner may be preparing for the service toward the day of check-in, but this preparation is useless. There may be disadvantages such as becoming. The information processing device 100 can also give a penalty (lowering the electronic points than usual) to the user in return for this demerit.

[4-2. Insurance claim calculation based on cancellation status]
In the first embodiment, the calculation unit 132 shows an example of calculating the insurance money based on the ratio according to the member rank of the user in the predetermined service. Further, in the first embodiment, the calculation unit 132 shows an example of calculating an insurance amount of an amount depending on the number of points of electronic points (an insurance amount of an amount based on a ratio according to the number of points of electronic points). It was. However, the calculation unit 132 may calculate the insurance money based on the cancellation status in which the user has canceled the transaction so far.

For example, when the cancellation status in which the user has canceled the transaction so far indicates a cancellation rate equal to or higher than the threshold value, the calculation unit 132 lowers the ratio according to the member rank of the user according to the cancellation rate. Then, the calculation unit 132 calculates the electronic points by using the ratio after lowering. As another example, when the cancellation status in which the user has canceled the transaction so far indicates the number of cancellations equal to or greater than the threshold value, the calculation unit 132 determines the ratio according to the member rank of the user according to the number of cancellations. Lower. Then, the calculation unit 132 calculates the electronic points by using the ratio after lowering.

When a transaction is canceled, for example, the facility owner (for example, the accommodation facility side) often suffers a disadvantage. For example, even if the facility owner pays 100% of the reservation application amount as a cancellation fee, the facility owner may be preparing for the service toward the day of check-in, but this preparation is useless. There may be disadvantages such as becoming. The information processing device 100 can also give a penalty (lowering the insurance money than usual) to the user in consideration of this demerit.

[4-3. About service]
In the first embodiment described above, the reservation application for accommodation reservation has been described as an example of a transaction. Specifically, the acquisition unit 133 acquires the privilege information indicating the privilege that the user can receive in response to the accommodation reservation in the predetermined service, and the service providing unit 134 acquires the privilege information acquired by the acquisition unit 133. Based on the above, electronic benefits that are electronic points or electronic money as benefits and correspond to accommodation reservations, and insurance money as benefits that are incurred when the user cancels the accommodation reservation. An example is shown in which electronic benefit information indicating electronic benefits and insurance claim information related to insurance claims are presented in a state in which the user can select to receive one of the insurance claims to compensate for the above.

However, the transaction covered by the information processing according to the first embodiment is not limited to the reservation application for the accommodation reservation. For example, the transaction may be a series of transactions related to the purchase of goods on an EC (Electronic Commerce) site. Then, in such a case, the cancellation of the transaction corresponds to, for example, the return of the purchased product. Therefore, specifically, the acquisition unit 133 acquires privilege information indicating the privilege that the user can receive in response to the purchase application (example of transaction) of the product on the EC site (an example of a predetermined service). Further, the service providing unit 134 purchases electronic points as a privilege and corresponding to a purchase application and insurance money as a privilege by the user based on the privilege information acquired by the acquisition unit 133. Point information indicating electronic points and point information indicating electronic points in a state where the user can select to receive one of the insurance claims to cover the shipping cost (an example of cancellation fee) when the later product is delivered and returned. Present with insurance claim information regarding insurance claims.

In this way, the information processing device 100 according to the first embodiment can give the user the right to compensate the cancellation fee at the time of cancellation in response to various services, so that a sense of security when using the service can be obtained. It can be given to the user in various situations.

(Second embodiment)
[1. An example of information processing]
In the first embodiment, the information processing device 100 acquires privilege information indicating a privilege that the user can receive in response to conducting a transaction with a predetermined service. Then, when the information processing device 100 cancels the transaction with the electronic points as a privilege and the electronic points corresponding to the transaction and the insurance money as a privilege based on the acquired privilege information. An example is shown in which point information indicating electronic points and insurance money information related to insurance money are presented in a state in which the user can select to receive one of the insurance money for compensating the cancellation fee.

That is, in the first embodiment, the information processing device 100 acquires privilege information indicating a privilege that the user can receive in response to conducting a transaction with a predetermined service. Then, based on the acquired privilege information, the information processing device 100 generates an electronic privilege as a privilege and corresponding to the transaction, and an insurance money as a privilege when the user cancels the transaction. An example is shown in which the point information indicating the electronic points and the insurance money information related to the insurance money are presented in a state where the user can select the right to receive one of the insurance money for compensating the cancellation fee. In the first embodiment described above, it is shown that the person who subscribes to the cancellation insurance is not the user who applied for the insurance but the business owner who provides the service.

However, in the second embodiment, the information processing device 200 corresponding to the information processing device 100 acquires the privilege information indicating the privilege that the user can receive in response to the transaction in the predetermined service. Then, based on the acquired privilege information, the information processing device 200 provides an electronic privilege that is an electronic point or electronic money as a privilege and corresponds to a transaction, and a predetermined insurance service that corresponds to the transaction. The electronic benefit information indicating the electronic benefit and the insurance claim information related to the insurance claim are presented in a state where the user can select the right to receive one of the insurance claims.

Therefore, in the second embodiment, if the information processing device 200 is an insurance money for an insurance service corresponding to a predetermined service (which can be said to be a transaction in the predetermined service), the first implementation is performed. In a state where the user can select not only the insurance money for cancellation insurance as in the form but also the insurance money for various insurance services, the electronic privilege information indicating the electronic privilege and the insurance money information related to this insurance money are presented. To do.

For example, the information processing device 200 extracts a predetermined insurance service corresponding to a transaction (predetermined service) from the candidate insurance services for which the insurance money information is presented as the insurance service to be presented to which the insurance money information is presented. (decide. Then, the information processing device 200 presents the insurance money information regarding the insurance money in the extracted insurance service to be presented.

Regarding this point, specifically, when the information processing device 200 includes an insurance service (an example of an insurance service other than cancellation) that a user can subscribe to as an electronic privilege in a predetermined insurance service corresponding to a transaction. Depending on whether the relationship between the number of points or amount indicated by the electronic benefit corresponding to the transaction and the insurance premium set for the insurance service that the user can subscribe to with this electronic benefit meets a predetermined condition. The insurance services that users can subscribe to with this electronic benefit are extracted as the insurance services to be presented.

Further, for example, in the information processing device 200, when a plurality of insurance services to be presented are extracted, the insurance money for at least one of the insurance services to be presented and the electronic The electronic benefit information and the insurance claim information are presented in a state where the user can select the right to receive one of the benefits.

Hereinafter, an example of information processing according to the second embodiment will be described with reference to FIG. 7, which is based on the example of FIG. FIG. 7 is a diagram showing an example of information processing according to the second embodiment. The information processing according to the second embodiment is performed by the information processing apparatus 200 shown in FIG. 7.

The configuration example of the information processing system according to the second embodiment corresponds to the information processing system 1 described with reference to FIG. 2, and in the example of FIG. 2, the information processing device 100 replaces the information processing device 200. .. Further, with respect to points that overlap with the contents described in the first embodiment, the description will be simplified or omitted.

First, the terminal device 10 accesses the information processing device 200 in response to the operation of the user U1 and displays the page P11 in the reservation site Y1. Page P11 corresponds to page P1 described with reference to FIG. In the example of page P11 shown in FIG. 7, the application amount for the plan PL1 is "20,000 yen" as described in FIG. Further, the page P11 shown in FIG. 7 includes a button BT1 for advancing to the page P12.

In such a state, it is assumed that the user U1 presses the button BT1. In such a case, the terminal device 10 transmits information to the effect that the button BT1 is pressed (BT1 pressing information) to the information processing device 200 (step S21). The BT1 pressing information includes, for example, identification information of the terminal device 10.

Upon receiving the BT1 pressing information, the information processing device 200 executes a calculation process for calculating the privilege to the user U1 (step S22). For example, the information processing device 200 calculates electronic points based on the application amount to the plan PL1 and the point award rate according to the member rank of the user U1 (an example of the magnification according to the member rank). Here, in the case of a regular member, it is assumed that the point award rate of "1%" is set in advance for the information processing apparatus 200. Then, the information processing apparatus 200 calculates the electronic points "200pt" by the application amount "20,000 yen" x the grant rate "0.01".

Next, on page P12, the information processing apparatus 200 executes an extraction process of extracting (determining or selecting) the insurance service to be presented to which the insurance money information regarding the insurance money is presented (step S23). First, the information processing device 200 extracts the insurance service corresponding to the transaction from the candidate insurance services for which the insurance money information is presented. The candidate insurance service to which the insurance money information is presented is stored in the insurance information storage unit 223 shown in FIG. Therefore, the information processing device 200 extracts the insurance service (information about) corresponding to the transaction. The transaction in the example of FIG. 7 is an application for an accommodation reservation by the accommodation reservation service, as in FIG.

Here, the insurance information storage unit 223 will be described. FIG. 9 is a diagram showing an example of the insurance information storage unit 223 according to the second embodiment. The insurance information storage unit 223 stores information on the candidate insurance service for which the insurance money information is presented. Such an insurance service is, for example, an insurance product of an insurance company contracted with the business owner Y. In the example of FIG. 9, the insurance information storage unit 223 has items such as "use service", "applicable insurance type", "insurance ID", "insurance plan", and "insurance premium".

The "use service" is a service targeted by the information processing according to the second embodiment, and indicates a service that the user may use. In the example of FIG. 7, among the services shown in "Usage service", the user is using the accommodation reservation service. Further, as shown in FIG. 9, the "use service" includes, for example, a shopping service, a restaurant reservation service, various ticket purchase (reservation) services, an auction service, and the like. Of course, the "use service" is not limited to these services.

"Applicable insurance type" indicates the type of insurance service applicable to the corresponding "service used". For example, domestic travel insurance, overseas travel insurance, and cancellation insurance can be applied to the usage service "accommodation reservation service", but return insurance that covers the shipping cost for returning purchased products is applicable to "accommodation reservation service". It is impossible.

The "insurance ID" indicates identification information that identifies the insurance service indicated by the corresponding "applicable insurance type", "insurance plan", and "insurance premium". Taking the insurance ID "JSV11" as an example, the insurance ID "JSV11" indicates identification information that identifies a domestic travel insurance service with coverage such as an insurance plan "Plan TY11" and an insurance premium "200 yen". The insurance service identified by the insurance ID "JSV11" can be paraphrased as, for example, domestic travel insurance JSV11. Therefore, for example, in the example of FIG. 9, the insurance service identified by the insurance ID “CSV11” can be paraphrased as, for example, cancellation insurance CSV11. Further, in the example of FIG. 9, the insurance service identified by the insurance ID “HSV21” can be paraphrased as, for example, the return insurance HSV21.

"Insurance plan" indicates an insurance plan for an insurance service identified by the corresponding "insurance ID". For example, "insurance plan" is a plan name and coverage. In the example of FIG. 9, the insurance plan "Plan TY11" is a plan for users who want to keep the insurance premiums low, and it is assumed that the insurance plan has a content such as an upper limit of 100,000 damage compensation for personal belongings. Further, in the example of FIG. 9, the insurance plan "Plan TY12" is a plan for users who want to balance insurance premiums and compensation, and is an insurance plan having an upper limit of 200,000 for damage compensation for personal belongings. And. Further, in the example of FIG. 9, the insurance plan "Plan TY13" is a plan for users who want to enhance the compensation, and it is assumed that the insurance plan has a content such as an upper limit of the amount of damage compensation for personal belongings of 300,000. Further, in the example of FIG. 9, the insurance plan "Plan TY21" is assumed to be an insurance plan having a content such as compensation for shipping charges up to 1500 yen at the time of return.

“Insurance premium” indicates an insurance premium paid by the user when the user subscribes to the corresponding insurance service. In the second embodiment, the user can apply the Y2 points owned by the user or the predetermined electronic money owned by the user to the insurance premium.

Returning to the description of FIG. The information processing device 200 extracts from the insurance information storage unit 223 the insurance service corresponding to the transaction from the candidate insurance services for which the insurance money information is presented. In the example of FIG. 9, the “applicable insurance type” associated with the usage service “accommodation reservation service” is domestic travel insurance, overseas travel insurance, and cancellation insurance. Therefore, the information processing device 200 includes domestic travel insurances JSV11, JSV12 and JSV12 belonging to the applicable insurance type "domestic travel insurance" as insurance services corresponding to the domestic reservation site Y1, that is, insurance services applicable to the reservation site Y1. JSV13, the cancellation insurance CSV21 belonging to the applicable insurance type "cancellation insurance" is extracted.

Here, the domestic travel insurance JSV11, JSV12 and JSV13 (hereinafter, may be referred to as "domestic travel insurance JSV11 to JSV13") are obtained by the user U1 applying Y2 points or predetermined electronic money to the insurance premium. This is an insurance service that user U1 can subscribe to. The cancellation insurance CSV21 is an insurance service that the business owner Y subscribes to when the business owner Y pays the insurance premium, as described in the first embodiment. Therefore, the cancellation insurance CSV21 is not an insurance service that the user U1 can subscribe to.

As described above, in the example of FIG. 7, the insurance service extracted by the information processing device 200, and the user U1 can subscribe to the insurance service corresponding to the reservation site Y1 with an electronic privilege (for example, Y2 points). Insurance services are included. Of the domestic travel insurance JSV11 to JSV13 and the cancellation insurance CSV21, the insurance service that the user U1 can join with Y2 points is the domestic travel insurance JSV11 to JSV13.

In such a case, the information processing apparatus 200 has the number of points "200pt" that the user U1 has the right to receive in the extraction process of step S23, and the insurance premium set for each of the domestic travel insurances JSV11 to JSV13. Domestic travel insurance JSV11 to JSV13, which are insurance services that user U1 can subscribe to with Y2 points, are extracted as insurance services to be presented, depending on whether or not the relationship satisfies a predetermined condition.

The domestic travel insurance JSV11 will be described as an example. For example, the information processing device 200 has a predetermined condition that the number of points indicated by the electronic privilege corresponding to the reservation site Y1, that is, the Y2 point "200pt" is equal to or greater than the insurance premium set in the domestic travel insurance JSV11. When (Condition 1) is satisfied by the above relationship, domestic travel insurance JSV11 is extracted from the insurance information storage unit 223 as an insurance service to be presented.

Alternatively, in the information processing device 200, as a predetermined condition, the number of points indicated by the electronic privilege corresponding to the reservation site Y1, that is, the Y2 point "200pt" is less than the insurance premium set in the domestic travel insurance JSV11, and If the above relationship satisfies the condition (condition 2) that the difference between the Y2 point "200pt" and the insurance premium set in the domestic travel insurance JSV11 is within a predetermined amount (for example, within 50 yen). Domestic travel insurance JSV11 is extracted from the insurance information storage unit 223 as an insurance service to be presented.

Here, in the example of FIG. 9, the insurance premium set for the domestic travel insurance JSV11 is "200 yen" and the Y2 point is "200 pt". Therefore, if 1 pt = 1 yen, the monetary value of both companies is high. Match. That is, in the example of FIG. 9, the relationship between the number of points "200 pt" and the insurance premium "200 yen" set in the domestic travel insurance JSV11 satisfies both condition 1 and condition 2. Therefore, in the example of FIG. 7, the information processing device 200 extracts the domestic travel insurance JSV11 from the insurance information storage unit 223 as the insurance service to be presented.

Next, the domestic travel insurance JSV12 will be described as an example. Similarly, the information processing device 200 states that, as a predetermined condition, the number of points indicated by the electronic privilege corresponding to the reservation site Y1, that is, the Y2 point "200pt" is equal to or greater than the insurance premium set in the domestic travel insurance JSV12. When the above condition (condition 1) is satisfied, the domestic travel insurance JSV12 is extracted from the insurance information storage unit 223 as the insurance service to be presented.

Alternatively, in the information processing device 200, the Y2 point "200pt" is less than the insurance premium set in the domestic travel insurance JSV12, and the Y2 point "200pt" is the insurance premium set in the domestic travel insurance JSV12. If the above relationship satisfies the condition (condition 2) that the difference is within a predetermined amount (for example, within 50 yen), domestic travel insurance JSV12 is extracted from the insurance information storage unit 223 as an insurance service to be presented. ..

Here, in the example of FIG. 9, the insurance premium set for the domestic travel insurance JSV12 is "230 yen" and Y2 points are "200 pt". Therefore, in the example of FIG. 9, the number of points is "200 pt" in Japan. The relationship with the insurance premium "230 yen" set in the travel insurance JSV12 satisfies the condition 2. Therefore, in the example of FIG. 7, the information processing device 200 extracts the domestic travel insurance JSV12 from the insurance information storage unit 223 as the insurance service to be presented.

Next, the domestic travel insurance JSV13 will be described as an example. Similarly, the information processing device 200 states that, as a predetermined condition, the number of points indicated by the electronic privilege corresponding to the reservation site Y1, that is, the Y2 point "200pt" is equal to or greater than the insurance premium set in the domestic travel insurance JSV13. When the above condition (condition 1) is satisfied, the domestic travel insurance JSV13 is extracted from the insurance information storage unit 223 as the insurance service to be presented.

Alternatively, in the information processing device 200, the Y2 point "200pt" is less than the insurance premium set in the domestic travel insurance JSV13, and the Y2 point "200pt" is the insurance premium set in the domestic travel insurance JSV13. If the above relationship satisfies the condition (condition 2) that the difference is within a predetermined amount (for example, within 50 yen), domestic travel insurance JSV13 is extracted from the insurance information storage unit 223 as an insurance service to be presented. ..

Here, in the example of FIG. 9, the insurance premium set for the domestic travel insurance JSV13 is "350 yen" and Y2 points are "200 pt". Therefore, in the example of FIG. 9, the number of points is "200 pt" in Japan. The relationship with the insurance premium "230 yen" set in the travel insurance JSV12 does not satisfy either condition 1 or condition 2. Therefore, in the example of FIG. 7, the information processing device 200 does not define the domestic travel insurance JSV13 as the insurance service to be presented.

In this way, the information processing device 200 can apply the earnable Y2 points "200 pt" to the insurance premium as it is, or an insurance service that can be applied to the insurance premium simply by adding some amount to the earnable Y2 points "200 pt". Is extracted as the insurance service to be presented. This lowers the threshold for users to subscribe to, for example, insurance services. For this reason, the information processing device 200 can effectively guide the user to use the insurance service, so that the convenience of the transaction can be enhanced.

The information processing device 200 can extract the cancellation insurance CSV11 as an insurance service to be presented only in that it can be applied to the reservation site Y1. Further, although not shown in FIG. 7, the information processing device 200 is an insurance money for compensating for the cancellation fee incurred when the application to the plan PL1 is canceled by extracting it as the cancellation insurance CSV11. Cancellation insurance Performs calculation processing to calculate the insurance money in CSV11. Such a calculation process corresponds to the calculation process described in step S2 of FIG. Therefore, the information processing device 200 calculates the insurance money "5,000 yen" in the cancellation insurance CSV11.

Next, the information processing device 200 receives the Y2 point "200pt" and one of the insurance money of the domestic travel insurance JSV11, the insurance money of the domestic travel insurance JSV12, and the insurance money of the cancellation insurance CSV11. The distribution process for distributing the page P12, which is the content whose rights are controlled so that the user U1 can select it, is performed (step S24). In this way, when the information processing device 200 extracts a plurality of insurance services to be presented such as insurance money for domestic travel insurance JSV11, insurance money for domestic travel insurance JSV12, and cancellation insurance CSV11, a plurality of presentation targets The electronic privilege information and the insurance money information are presented in a state where the user can select the right to receive the insurance money from at least one of the insurance services of the above.

In such an example, the electronic privilege information is information indicating that the user U1 has the right to receive Y2 points "200pt". Further, in such an example, the insurance money information corresponding to the domestic travel insurance JSV11 is information indicating that the person has the right to receive the insurance money corresponding to the plan TY11 of the domestic travel insurance JSV11. The insurance money information corresponding to the domestic travel insurance JSV12 is information indicating that the person has the right to receive the insurance money corresponding to the plan TY12 of the domestic travel insurance JSV12. In addition, the insurance money information corresponding to the cancellation insurance CSV11 is information indicating that the person has the right to receive the insurance money "5,000 yen" that compensates for the cancellation fee incurred when the application to the plan PL1 is canceled. is there.

For example, the information processing device 200 acquires the above-mentioned electronic privilege information and insurance money information from a storage unit or the like. Then, the information processing device 200 generates page P12 as a distribution process based on the acquired electronic privilege information and insurance money information.

For example, as shown in FIG. 7, the information processing apparatus 200 is displayed in the area AR21 that the Y2 points that can be obtained by this application are "200pt", and the domestic travel insurance JSV11 is subscribed to the plan TY11 in the area AR22. It is displayed that the application is possible, and it is displayed that the application for the domestic travel insurance JSV12 plan TY12 is possible in the area AR23, and the insurance money that can be received when the application for the plan PL1 is canceled is "5,000 yen". A page P12 is generated so as to indicate that.

More specifically, the information processing device 200 receives one of Y2 points "200pt", insurance money for domestic travel insurance JSV11, insurance money for domestic travel insurance JSV12, and insurance money for cancellation insurance CSV11. Generate a page P12 that includes a check box in each area for the user U1 to select the right to receive. Further, the page P12 includes a button BT2 for advancing to the page P13 for causing the user to input personal information. That is, the user U1 receives Y2 points "200pt", applies for domestic travel insurance JSV11, applies for domestic travel insurance JSV12, and applies for cancellation insurance CSV11 (insurance money "5," for cancellation insurance CSV11. Only one of the "000 yen" receipts can be selected.

It is assumed that the user U1 presses the button BT2 after inputting a check mark in the check box installed next to "Apply" in the area AR22 on the page P12. That is, it is assumed that the user U1 has selected the right to receive the insurance money under the domestic travel insurance JSV11. In such a case, the terminal device 10 transmits information to the effect that the button BT2 is pressed (BT2 pressing information) to the information processing device 100 (step S25). The BT2 pressing information includes, for example, identification information of the terminal device 10 and selection information indicating selection contents by the user U1.

When the information processing device 200 receives the BT2 pressing information, the information processing device 200 performs a distribution process for distributing the page P13 for inputting personal information (step S26). The information processing device 200 generates page P13 as shown in FIG. 7 as a distribution process. Page P13 corresponds to page P3 shown in FIG. Then, the information processing device 200 distributes the generated page P13 to the terminal device 10.

In such a state, it is assumed that the user U1 presses the button BT3. In such a case, the terminal device 10 transmits information to the effect that the button BT3 is pressed (BT3 pressing information) to the information processing device 200 (step S27). The BT3 pressing information includes, for example, identification information of the terminal device 10 and input information indicating input contents by the user U1.

Upon receiving the BT3 pressing information, the information processing device 200 executes a subscription contract process, which is a process relating to a contract for joining the domestic travel insurance JSV11, which is an insurance service of the insurance company HY (step S28). For example, the information processing device 200 processes the subscription contract by transmitting the personal information received from the user U1 to the insurance company device 40 via page P13. In addition, the information processing device 200 performs a subscription contract process in which the Y2 points "200pt" that can be acquired by the user U1 are applied to the insurance premium "200 yen" of the domestic travel insurance JSV11. For example, if the user U1 has selected the right to receive the insurance money in the cancellation insurance CSV11 in step S25 (check mark in the check box in the area AR24), the information processing apparatus 200 may perform step S28. Then, the subscription contract process described in step S7 of FIG. 1 is performed.

Next, the information processing device 200 performs a settlement process for settling the application amount "20,000 yen" in the reservation application to the plan PL1 (step S29). For example, the information processing device 200 performs payment processing with a card company device 80 (not shown). For example, the information processing device 200 performs a payment process so that the application amount "20,000 yen" is deducted from the bank account of the user U1.

Here, for example, if the user U1 has selected the right to receive the insurance money in the cancellation insurance CSV11 in step S25, the information processing apparatus 200 cancels the reservation application to the plan PL1 by the user U1. Monitor whether or not. Then, when the information processing apparatus 200 receives the cancellation request from the user U1, the information processing apparatus 200 executes the cancellation process described in step S9 of FIG.

As described above, the information processing device 200 according to the second embodiment acquires privilege information indicating the privilege that the user can receive in response to the transaction in the predetermined service. Then, based on the acquired privilege information, the information processing device 200 provides an electronic privilege that is an electronic point or electronic money as a privilege and corresponds to a transaction, and a predetermined insurance service that corresponds to the transaction. The electronic benefit information indicating the electronic benefit and the insurance claim information related to the insurance claim are presented in a state where the user can select the right to receive one of the insurance claims.

As a result, the user can use the electronic benefits obtained from the transaction in the predetermined service as they are for the insurance service corresponding to the transaction, so that the insurance service can be smoothly subscribed. Therefore, users are less likely to subscribe to insurance services. For this reason, the information processing device 200 can effectively guide the user to use the insurance service, so that the convenience of the transaction can be enhanced.

[2. Information processing device configuration]
Next, the information processing apparatus 200 according to the second embodiment will be described with reference to FIG. FIG. 8 is a diagram showing a configuration example of the information processing apparatus 200 according to the second embodiment. As shown in FIG. 8, the information processing device 200 includes a communication unit 110, a storage unit 220, and a control unit 230. For example, the information processing device 200 is a server device that performs information processing described with reference to FIG. 7. In the following description, the description of the processing unit having the same reference numerals as that of the information processing apparatus 100 according to the first embodiment will be simplified or omitted.

(About storage 220)
The storage unit 220 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory or a storage device such as a hard disk or an optical disk. The storage unit 220 includes a service information storage unit 121, an application information storage unit 122, and an insurance information storage unit 223. The insurance information storage unit 223 is as described with reference to FIG.

(About control unit 230)
The control unit 230 is realized by the CPU, MPU, or the like executing various programs stored in the storage device inside the information processing device 200 using the RAM as a work area. Further, the control unit 230 is realized by, for example, an integrated circuit such as an ASIC or FPGA.

As shown in FIG. 8, the control unit 230 includes a reception unit 131, a calculation unit 132, an acquisition unit 133, a service provision unit 134, an application reception unit 135, a settlement unit 136, and a cancellation processing unit 137. It has an extraction unit 238 and realizes or executes the functions and operations of information processing described below. The internal configuration of the control unit 230 is not limited to the configuration shown in FIG. 8, and may be another configuration as long as it is a configuration for performing information processing described later. Further, the connection relationship of each processing unit included in the control unit 230 is not limited to the connection relationship shown in FIG. 8, and may be another connection relationship. Further, from this, it can be said that the information processing device 200 according to the second embodiment is a device in which the information processing device 100 according to the first embodiment further includes an insurance information storage unit 223 and an extraction unit 238.

(About calculation unit 132)
For example, the calculation unit 132 is based on the premium paid by the business owner who provides the predetermined service and who takes out the cancellation insurance, which is the insurance that compensates the cancellation fee incurred when the transaction is cancelled. Determine the proportion. Then, the calculation unit 132 calculates the insurance money based on the determined ratio. For example, the calculation unit 132 calculates the insurance money for the cancellation insurance when the cancellation insurance is extracted as the insurance service corresponding to the predetermined service by the extraction unit 238.

(About Service Provider 134 (1))
Based on the privilege information acquired by the acquisition unit 133, the service providing unit 134 is an electronic privilege that is electronic points or electronic money as a privilege and corresponds to a transaction, and a predetermined insurance corresponding to the transaction. The electronic benefit information indicating the electronic benefit and the insurance claim information related to the insurance claim are presented in a state where the user can select the right to receive one of the insurance claims in the service.

In addition, the service providing unit 134 is in a state where the user can select the right to receive either the electronic benefit or the insurance money of the insurance service that the user can subscribe to as a predetermined insurance service. , Presents electronic benefit information indicating electronic benefits and insurance claim information related to insurance claims.

(About extraction unit 238)
The extraction unit 238 presents the insurance money information to the predetermined insurance service corresponding to the predetermined service or the transaction in the predetermined service among the candidate insurance services for which the insurance money information is presented by the service providing unit 134. Extract (decide or select) as the insurance service to be presented. In addition, the service providing unit 134 presents the insurance money information regarding the insurance money in the insurance service to be presented extracted by the extraction unit 238.

When the predetermined insurance service corresponding to the transaction includes an insurance service that the user can subscribe to with the electronic benefit, the extraction unit 238 uses the number of points or the amount indicated by the electronic benefit corresponding to the transaction and the electronic benefit. Depending on whether or not the relationship with the insurance premium set for the insurance service that the user can subscribe to satisfies a predetermined condition, the insurance service that the user can subscribe to with the electronic privilege is extracted as the insurance service to be presented.

For example, the extraction unit 238 states that, as a predetermined condition, the number of points or the amount of points indicated by the electronic benefits corresponding to the transaction is equal to or greater than the insurance premium set for the insurance service that the user can subscribe to with the electronic benefits. If the relationship is satisfied, the insurance service that the user can subscribe to with the electronic benefit is extracted as the insurance service to be presented.

Further, for example, the extraction unit 238 states that, as a predetermined condition, the number of points or the amount of points indicated by the electronic benefits corresponding to the transaction is less than or equal to the insurance premium set for the insurance service that the user can subscribe to with the electronic benefits. When the above relationship satisfies the condition that the difference between the number of points or amount indicated by the electronic benefit corresponding to the transaction and the insurance premium set for the insurance service that the user can subscribe to with the electronic benefit is within a predetermined amount. Extracts insurance services that users can subscribe to as electronic benefits as insurance services to be presented.

For example, the extraction unit 238 performs the extraction process described in step S23 of FIG.

(About the service provision unit 134 (2))
The service providing unit 134 is an insurance service extracted by the extracting unit 238 when the above relationship satisfies a predetermined condition, and serves as insurance money information related to the insurance money in the insurance service that the user can subscribe to with electronic benefits. Presents subscription condition information that conditions that the user can subscribe to the insurance service by paying an additional difference with respect to the number of points or the amount indicated by the electronic benefit. Such subscription condition information corresponds to, for example, the information displayed in the area AR23 shown in FIG. 7.

Further, when a plurality of insurance services to be presented are extracted by the extraction unit 238, the service providing unit 134 receives insurance money for at least one of the plurality of presented insurance services. The electronic privilege information and the insurance claim information are presented with the right selectable by the user. For this reason, as shown in FIG. 7, the service providing unit 134 includes electronic benefits (Y2 points “200pt”) and multiple insurance services to be presented (domestic travel insurance JSV11, domestic travel insurance JSV12, cancellation insurance CSV11). ) With the user able to select the right to receive any one of the insurance claims in each case, the electronic privilege information regarding the Y2 point "200pt" and the insurance claim information regarding each of the multiple insurance services to be presented can be obtained. Present.

[3. Processing procedure]
Next, the procedure of information processing according to the second embodiment will be described with reference to FIG. FIG. 10 is a flowchart showing an information processing procedure according to the second embodiment. In addition, in FIG. 10, a transaction is described as a reservation application for an accommodation plan. In the following flowchart, the electronic privilege is described as being an electronic point, but it may be electronic money.

First, the receiving unit 131 has the right to receive either electronic points as an application privilege or insurance money as an application privilege in the insurance service corresponding to the reservation application for the accommodation plan. It is determined whether or not a delivery request for the selection content (page P12 in the example of FIG. 7) controlled so that the user can select the content has been received (step S201). If the receiving unit 131 has not received the distribution request for the selection content (step S201; No), the receiving unit 131 waits until it is received. On the other hand, when the distribution request for the selection content is received (step S201; Yes), the calculation unit 132 performs a calculation process for calculating the electronic points (step S202).

Next, the extraction unit 238 sets the predetermined insurance service corresponding to the reservation application for the accommodation plan as the insurance service to be presented to which the pre-insurance information is presented, among the candidate insurance services for which the insurance money information is presented. Extraction processing is performed (step S203). For example, the extraction unit 238 performs an extraction process of extracting information on the insurance service to be presented from the insurance information storage unit 223 that stores information on the candidate insurance service. Here, it is assumed that the extraction unit 238 extracts the insurance service that the user can subscribe to with electronic points and the cancellation insurance as the insurance service to be presented. However, depending on the service used, for example, the extraction unit 238 may extract only one of the insurance service that the user can subscribe to with electronic points and the cancellation insurance.

In such a state, the acquisition unit 133 stores the point information indicating the electronic points calculated in step S202 (an example of the electronic privilege information indicating the electronic privilege) and the insurance money information extracted in step S203. It is acquired from the processing unit or the like and output to the service providing unit 134. The service providing unit 134 performs a distribution process of distributing the selection content in response to the distribution request based on the point information and the insurance money information which are the privilege information received from the acquisition unit 133 (step S204). For example, the service providing unit 134 is for selection in which the right to receive either the electronic points or the insurance money in the insurance service corresponding to the reservation application for the accommodation plan is controlled so that the user can select it. Generate content (page P12 in the example of FIG. 7). Then, the service providing unit 134 distributes the generated selection content to the distribution requesting terminal device 10.

Next, the receiving unit 131 receives one of the electronic points, the insurance money for the insurance service that the user can subscribe to with the electronic points, and the insurance money for the cancellation insurance in the selection content delivered in step S204. It is determined whether or not the right has been selected by the user (step S205). If not selected (step S205; No), the receiving unit 131 waits until it is selected. On the other hand, when selected (step S205; Yes), the service providing unit 134 performs a distribution process of distributing the application content (page P13 in the example of FIG. 7) (step S206).

Next, the application reception unit 135 determines whether or not the reservation application for the accommodation plan has been accepted (step S207). If the application reception unit 135 has not accepted the reservation application (step S207; No), it waits until it is accepted. On the other hand, when the application reception unit 135 accepts the reservation application (step S207; Yes), the application reception unit 135 gives the user a privilege based on the selection information indicating the content selected by the user in step S205 (step S208). .. For example, when the selection information indicates that the right to receive electronic points has been selected, the application reception unit 135 grants the user electronic points for the number of points calculated by the calculation unit 132 in step S202.

Further, the control unit 230 indicates that the selection information has selected the right to receive either the insurance money for the insurance service that the user can subscribe to with the electronic point or the insurance money for the cancellation insurance. If so, the subscription contract process is performed (step S209). For example, when the right to receive insurance money from an insurance service that a user can subscribe to with electronic points is selected, the control unit 230 performs enrollment contract processing that allocates the electronic points to the insurance service. On the other hand, for example, when the right to receive the insurance money under the cancellation insurance is selected, the control unit 230 processes the subscription contract for the business owner who provides the accommodation reservation service to take out the cancellation insurance.

[4. Modification example]
The information processing apparatus 200 according to the second embodiment may be implemented in various different forms other than the above embodiment. Therefore, another embodiment of the information processing apparatus 200 will be described below.

[4-1. Return insurance]
In the second embodiment, the information processing apparatus 200 extracts domestic travel insurance and cancellation insurance as insurance services applicable to the accommodation reservation service according to the service used by the user being the accommodation reservation service. However, an example is shown in which the right to receive any one of the insurance claims in these insurance services is selectively presented. However, when the service used by the user is, for example, a shopping service, the information processing device 200 is an insurance service applicable to the shopping service, which is an insurance with a return insurance that compensates for the shipping fee for returning the purchased product. Services may be extracted. This point will be described with reference to the example of FIG. FIG. 11 is a diagram showing an example of a modification according to the second embodiment.

In the example of FIG. 11, the user U1 performs an order procedure (purchase procedure) for a product on the shopping site YY. The shopping site YY is a shopping service provided by the information processing device 200. Here, it is assumed that the calculation unit 132 calculates the Y2 point "200pt" in the calculation process of step S22, as in the example of FIG. 7. Further, in the extraction process of step S23, the extraction unit 238 extracts the insurance service corresponding to the shopping service from the insurance information storage unit 223 among the candidate insurance services for which the insurance money information is presented.

In the example of FIG. 9, the “applicable insurance type” associated with the usage service “shopping service” is return insurance. Therefore, the extraction unit 238 extracts the return insurance HSV21 belonging to the applicable insurance type “return insurance” as an insurance service applicable to the shopping site YY. Return insurance HSV21 is an insurance service that has an insurance plan "Plan TY21" that compensates for shipping charges up to 1500 yen at the time of return.

Here, the return insurance HSV21 is an insurance service that the user U1 can subscribe to by applying Y2 points or predetermined electronic money to the insurance premium. As described above, in the example of FIG. 9, the insurance service extracted by the information processing device 200, and the user U1 can subscribe to the insurance service corresponding to the shopping site YY with an electronic privilege (for example, Y2 points). Insurance services are included.

In such a case, the extraction unit 238 determines the relationship between the number of points "200pt" that the user U1 has the right to receive in the extraction process in step S23 and the insurance premium set in the return insurance HSV21. Return insurance HSV21 is extracted as the insurance service to be presented depending on whether or not the conditions are met.

For example, the extraction unit 238 states that, as a predetermined condition, the number of points indicated by the electronic privilege corresponding to the shopping site YY, that is, the Y2 point "200pt" is equal to or greater than the insurance premium set in the return insurance HSV21 (condition). When the above relationship is satisfied in 1), the return insurance HSV21 is extracted from the insurance information storage unit 223 as the insurance service to be presented.

Alternatively, as a predetermined condition, the extraction unit 238 indicates that the number of points indicated by the electronic privilege corresponding to the shopping site YY, that is, Y2 points "200pt" is less than the insurance premium set in the return insurance HSV21, and Y2 points. If the above relationship satisfies the condition (condition 2) that the difference between "200pt" and the premium set in the return insurance HSV21 is within a predetermined amount (for example, within 50 yen), the return insurance HSV21 Is extracted from the insurance information storage unit 223 as the insurance service to be presented.

Here, in the example of FIG. 9, the insurance premium set for the return insurance HSV21 is "180 yen" and the Y2 point is "200 pt". Therefore, if 1 pt = 1 yen, the Y2 point "200 pt" is Return insurance The premium is higher than the premium set in HSV21. That is, in the example of FIG. 9, the relationship between the number of points "200 pt" and the insurance premium "180 yen" set in the return insurance HSV21 satisfies the condition 1. Therefore, in the example of FIG. 11, the extraction unit 238 extracts the return insurance HSV21 from the insurance information storage unit 223 as the insurance service to be presented.

Next, the service providing unit 134 delivers the page P32, which is the content in which the user U1 can select the right to receive either the Y2 point "200pt" or the insurance money in the return insurance HSV21. Perform the delivery process to do so.

In such an example, the electronic privilege information is information indicating that the user U1 has the right to receive Y2 points "200pt". Further, in such an example, the insurance money information corresponding to the return insurance HSV21 is information indicating that the person has the right to receive the insurance money corresponding to the plan TY21 of the return insurance HSV21. For example, the acquisition unit 133 acquires the above-mentioned electronic privilege information and insurance money information from the storage unit or the like. Then, the service providing unit 134 generates the page P32 shown in FIG. 11 as the distribution process based on the acquired electronic privilege information and insurance money information.

For example, as shown in FIG. 11, the service providing unit 134 is displayed in the area AR31 that the Y2 points that can be obtained by the order procedure this time are "200pt", and in the area AR22, the return insurance HSV21 is subscribed to the plan TY21. Generate a page P32 that displays that the application is possible.

More specifically, the service providing unit 134 includes a check box in each area for allowing the user U1 to select the right to receive one of the Y2 point "200pt" and the insurance money in the return insurance HSV21. Generate page P32. Further, the page P132 includes a button BT32 for advancing to the page P33 for causing the user to input personal information.

In this way, the information processing device 200 according to the second embodiment allows the user to select the right to receive insurance money in the insurance service according to the various services used by the user, and also provides the insurance service. The insurance premiums required for subscription can be covered by electronic benefits that can be acquired by users by using various services. Therefore, the information processing device 200 according to the second embodiment can enhance the convenience of the transaction by effectively guiding the user to use the insurance service.

[4-2. About insurance services]
For example, when a smartphone is ordered in a shopping service, the information processing device 200 extracts information on smartphone insurance that compensates for screen cracking, repair, theft, or loss as an insurance service applicable to the shopping service. be able to. In addition, the information processing device 200 provides information on an extended warranty service that guarantees the contents conforming to the manufacturer's warranty for 5 years including the manufacturer's warranty period (usually 1 year) when, for example, a home appliance is ordered in the shopping service. Can be extracted. Further, the information processing device 200 can extract smartphone insurance and extended warranty not only in shopping services but also in, for example, auction services. In addition, the information processing device 200 can also extract repair cost insurance when, for example, a used home appliance is sold in the auction service.

(Other)
[1. Hardware configuration]
Further, the information processing device 100 according to the first embodiment and the information processing device 200 according to the second embodiment are realized by, for example, a computer 1000 having a configuration as shown in FIG. FIG. 12 is a hardware configuration diagram showing an example of a computer 1000 that realizes the functions of the information processing device 200. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

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

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 50 and sends it to the CPU 1100, and transmits the data generated by the CPU 1100 to the other device via the communication network 50.

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

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

For example, when the computer 1000 functions as the information processing apparatus 100 according to the first embodiment, the CPU 1100 of the computer 1000 realizes the function of the control unit 130 by executing the program loaded on the RAM 1200. Further, the data in the storage unit 120 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be acquired from another device via the communication network 50.

Further, for example, when the computer 1000 functions as the information processing device 200 according to the second embodiment, the CPU 1100 of the computer 1000 realizes the function of the control unit 230 by executing the program loaded on the RAM 1200. ..

[2. Others]
Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically distributed / physically in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

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

Further, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the acquisition unit can be read as an acquisition means or an acquisition circuit.

1 Information processing system 10 Terminal device 100 Information processing device 120 Storage unit 121 Service information storage unit 122 Application information storage unit 130 Control unit 131 Reception unit 132 Calculation unit 133 Acquisition unit 134 Service provision unit 135 Application reception unit 136 Settlement unit 137 Cancellation processing Department 200 Information processing device 223 Insurance information storage unit 230 Control unit 238 Extraction unit

Claims (20)

An acquisition unit that acquires privilege information indicating the benefits that the user can receive in response to conducting a transaction with a predetermined service, and an acquisition unit.
Extraction unit that extracts a predetermined insurance service corresponding to the transaction from the candidate insurance services for which insurance money information is presented to the user as the insurance service to be presented for which the insurance money information is presented to the user. When,
Based on the privilege information acquired by the acquisition unit, the electronic privilege that is electronic points or electronic money as the privilege and corresponds to the transaction, and the insurance to be presented extracted by the extraction unit. It has a presenting unit that presents electronic privilege information indicating the electronic privilege and insurance money information related to the insurance money in a state in which the user can select the right to receive one of the insurance money in the service. An information processing device characterized by this. When the predetermined insurance service corresponding to the transaction includes an insurance service that the user can subscribe to with the electronic benefit, the extraction unit determines the number or amount of points indicated by the electronic benefit corresponding to the transaction. Insurance for which the insurance service that the user can subscribe to with the electronic benefit is presented depending on whether or not the relationship with the insurance premium set for the insurance service that the user can subscribe to with the electronic benefit meets a predetermined condition. The information processing apparatus according to claim 1 , wherein the information processing apparatus is extracted as a service. As the predetermined condition, the extraction unit satisfies the condition that the number of points or the amount of points indicated by the electronic privilege corresponding to the transaction is equal to or more than the insurance premium set for the insurance service that the user can subscribe to with the electronic privilege. The information processing device according to claim 2 , wherein when the relationship is satisfied, the insurance service that the user can subscribe to with the electronic privilege is extracted as the insurance service to be presented. In the extraction unit, as the predetermined condition, the number of points or the amount of points indicated by the electronic privilege corresponding to the transaction is equal to or less than the insurance premium set for the insurance service that the user can subscribe to with the electronic privilege, and the said When the relationship satisfies the condition that the difference between the number of points or the amount indicated by the electronic benefit corresponding to the transaction and the insurance premium set for the insurance service that the user can subscribe to with the electronic benefit is within a predetermined amount. The information processing device according to claim 3 , wherein the insurance service that the user can subscribe to with the electronic privilege is extracted as the insurance service to be presented. The presenting unit is an insurance service extracted to the extracting unit when the relationship satisfies the predetermined condition, and is used as insurance money information regarding insurance money in an insurance service that a user can subscribe to with the electronic privilege. 4. The claim 4 is characterized in that the user presents subscription condition information that conditions that the user can subscribe to the insurance service by additionally paying the difference to the number of points or the amount. The information processing device described in. When a plurality of the insurance services to be presented are extracted by the extraction unit, the presenting unit receives the insurance money for at least one of the plurality of insurance services to be presented. The information processing device according to any one of claims 1 to 5 , wherein the electronic privilege information and the insurance claim information are presented in a state in which the user can select the right. An acquisition unit that acquires privilege information indicating the benefits that the user can receive in response to conducting a transaction with a predetermined service, and an acquisition unit.
Based on the privilege information acquired by the acquisition unit, the electronic privilege that is electronic points or electronic money as the privilege and corresponds to the transaction, and the insurance as the privilege as a predetermined insurance service. In a state where the user can select the right to receive one of the insurance money in the cancellation insurance, which is an insurance service that compensates for the cancellation fee incurred when the user cancels the transaction. A presenting unit that presents electronic privilege information indicating the electronic privilege and insurance money information related to the insurance money.
Have,
The presenting unit is a business owner who provides the predetermined service as the insurance money information, and is a business owner who subscribes to cancellation insurance, which is an insurance service that compensates for a cancellation fee incurred when the transaction is cancelled. Present the insurance claim information regarding the insurance claim calculated based on the insurance premium paid by
An information processing device characterized by this. The presenting unit presents, as the insurance money information, insurance money information regarding the insurance money that can be received as the insurance money instead of the electronic privilege when the user cancels the transaction. Item 7. The information processing apparatus according to item 7. The presenting unit provides insurance money related to the insurance money calculated based on the insurance premium paid by the business owner by taking out the cancellation insurance each time the transaction is made by the user as the insurance money information. The information processing apparatus according to claim 7 or 8 , wherein the information processing apparatus is characterized by presenting information. The presenting unit receives the electronic privilege information and the insurance money in a state where the user can select the right to receive either the electronic privilege or the insurance money at the timing of applying for the transaction. The information processing apparatus according to any one of claims 1 to 9 , wherein the information processing apparatus is provided with information. The presenting unit presents, as the insurance money information, the insurance money information related to the insurance money calculated based on the insurance premiums funded by the electronic benefits corresponding to the transaction, according to claims 1 to 10. The information processing device according to any one. The information processing according to any one of claims 1 to 11 , further comprising a calculation unit for calculating the number of points or the amount of money corresponding to the electronic privilege as the privilege information acquired by the acquisition unit. apparatus. The information processing device according to claim 12 , wherein the calculation unit calculates the number of points or the amount of money based on the cancellation status in which the user has canceled the transaction so far. The calculating unit, based on the ratio corresponding to the member rank of the user in said predetermined service, as the privilege information acquired by the acquisition unit, according to claim 12, characterized in that to calculate the insurance Or the information processing apparatus according to 13. The calculation unit is an insurance premium paid by a business owner who provides the predetermined service and who subscribes to cancellation insurance, which is an insurance service that compensates for the cancellation fee incurred when the transaction is cancelled. The information processing apparatus according to claim 14 , wherein the insurance money is calculated based on the ratio based on the above. The information processing device according to claim 14 or 15 , wherein the calculation unit calculates the insurance money based on a cancellation situation in which the user has canceled the transaction so far. It is an information processing method executed by an information processing device.
The acquisition process of acquiring privilege information indicating the benefits that the user can receive in response to conducting a transaction with a predetermined service, and the acquisition process.
Extraction process of extracting a predetermined insurance service corresponding to the transaction from the candidate insurance services whose insurance money information is presented to the user as the insurance service to be presented to which the insurance money information is presented to the user. When,
Based on the privilege information acquired by the acquisition process, the electronic benefits that are electronic points or electronic money as the benefits and correspond to the transaction, and the insurance to be presented extracted by the extraction process. Includes a presentation process for presenting electronic benefit information indicating the electronic benefit and insurance claim information related to the insurance claim in a state where the user can select the right to receive one of the insurance claims in the service. An information processing method characterized by the fact that. It is an information processing method executed by an information processing device.
The acquisition process of acquiring privilege information indicating the benefits that the user can receive in response to conducting a transaction with a predetermined service, and the acquisition process.
Based on the privilege information acquired in the acquisition process, the electronic privilege as the privilege or the electronic privilege which is electronic money corresponding to the transaction, and the insurance as the privilege as a predetermined insurance service. In a state where the user can select the right to receive one of the insurance money in the cancellation insurance, which is an insurance service that compensates for the cancellation fee incurred when the user cancels the transaction. A presentation process for presenting electronic benefit information indicating the electronic benefit and insurance claim information related to the insurance claim.
Have,
The presentation process is a business owner who provides the predetermined service as the insurance money information and subscribes to cancellation insurance, which is an insurance service for compensating for a cancellation fee incurred when the transaction is cancelled. Present the insurance claim information regarding the insurance claim calculated based on the insurance premium paid by
An information processing method characterized by the fact that. An acquisition procedure for acquiring privilege information indicating benefits that a user can receive in response to a transaction with a predetermined service, and an acquisition procedure.
Extraction procedure for extracting a predetermined insurance service corresponding to the transaction from the candidate insurance services for which insurance money information is presented to the user as the insurance service to be presented for which the insurance money information is presented to the user. When,
Based on the privilege information acquired by the acquisition procedure, the electronic benefits that are electronic points or electronic money as the benefits and correspond to the transaction, and the insurance to be presented extracted by the extraction procedure. A computer that presents electronic benefit information indicating the electronic benefit and insurance claim information related to the insurance claim in a state in which the user can select the right to receive one of the insurance claims in the service. An information processing program characterized by being executed by a computer. An acquisition procedure for acquiring privilege information indicating benefits that a user can receive in response to a transaction with a predetermined service, and an acquisition procedure.
Based on the privilege information acquired by the acquisition procedure, the electronic privilege that is electronic points or electronic money as the privilege and corresponds to the transaction, and the insurance as the privilege as a predetermined insurance service. In a state where the user can select the right to receive one of the insurance money in the cancellation insurance, which is an insurance service that compensates for the cancellation fee incurred when the user cancels the transaction. The presentation procedure for presenting the electronic benefit information indicating the electronic benefit and the insurance claim information related to the insurance claim.
Let the computer run
The presentation procedure is for a business owner who provides the predetermined service as the insurance money information and who subscribes to cancellation insurance, which is an insurance service for compensating for a cancellation fee incurred when the transaction is cancelled. Present the insurance claim information regarding the insurance claim calculated based on the insurance premium paid by
An information processing program characterized by this.

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