JP7077448B1 - Insurance proposal system, insurance proposal device, insurance proposal method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance proposal system, an insurance proposal device, an insurance proposal method and a program capable of providing appropriate insurance based on a user's settlement behavior. An insurance proposal system including an insurance proposal device and an application program used for electronic payment, wherein the insurance proposal device responds to electronic payment using a terminal device on which the application program operates. , The payment information acquisition unit that acquires payment information related to the electronic payment, the selection unit that selects the insurance to be proposed to the user of the terminal device based on the payment information, and the application program is notified of the proposed insurance information regarding the selected insurance. It is equipped with a notification unit. The application program uses the proposed insurance information to display a screen prompting the user to take out insurance on the terminal device. [Selection diagram] FIG. 12

Description

The present invention relates to an insurance proposal system, an insurance proposal device, an insurance proposal method, and a program.

A technique for proposing the optimum insurance at the optimum timing from the information obtained from the user terminal is known (see Patent Document 1). A technique for proposing an insurance product that can be contracted based on a user's genetic information is known (see Patent Document 2).

Japanese Unexamined Patent Publication No. 2021-005151 Japanese Unexamined Patent Publication No. 2020-20471

However, with the prior art, it has not been possible to propose appropriate insurance based on the payment behavior that the user performs every day, such as the purchase of goods and services.
The present invention has been made in consideration of such circumstances, and one of the objects of the present invention is to propose appropriate insurance based on the settlement behavior of the user.

One aspect of the present invention is an insurance proposal system including an insurance proposal device and an application program used for electronic payment, in which the insurance proposal device performs electronic payment using a terminal device on which the application program operates. A payment information acquisition unit that acquires payment information related to the electronic payment, a selection unit that selects insurance to be proposed to the user of the terminal device based on the payment information, and a selection unit related to the selected insurance. The application program includes a notification unit for notifying the proposed insurance information to the application program, and the application program is an insurance proposal system that displays a screen for encouraging insurance participation using the proposed insurance information on the terminal device.

According to one aspect of the present invention, it is possible to propose appropriate insurance based on the settlement behavior of the user.

It is a figure which shows an example of the structure of the insurance proposal system 10. It is a figure which shows an example of the structure of the insurance proposal apparatus 400. It is a figure which shows an example of the contents of store information 431. It is a figure which shows an example of the content of the user information 432. It is a figure which shows an example of the contents of purchase history information 433. It is a figure which shows an example of the contents of insurance information 434. It is a figure which shows an example of the contents of insurance history information 435. It is a figure which shows the payment screen 110 which is displayed when the payment is made by "the payment method 2". It is a figure which shows the portal screen 120 of the insurance mini-appli. It is a figure which shows the car insurance participation screen 130. It is a figure which shows the settlement completion screen 140. It is a sequence diagram which shows an example of the flow of insurance proposal processing. It is a figure which shows the notification screen 150 which is an example of the screen which urges to take out insurance. It is a figure which shows the plurality of proposal screens 160. It is a figure which shows the golf insurance participation screen 170. It is a flowchart which shows an example of the flow of selection notification processing.

Hereinafter, embodiments of the insurance proposal system and the insurance proposal device of the present invention will be described with reference to the drawings. The insurance proposal device is realized by one or more processors. The insurance proposal device is, for example, a device that proposes insurance to a user in cooperation with an electronic payment service using an application program (hereinafter referred to as "electronic payment application") used for electronic payment. An application is an abbreviation for an application program. The insurance proposal device is a device that proposes insurance to the user in association with the electronic payment service. Insurance includes life insurance, non-life insurance, and various other types of insurance. Examples of life insurance types include medical insurance, death insurance, and long-term care insurance. Examples of non-life insurance types include automobile insurance, bicycle insurance, golf insurance, ski insurance, outdoor insurance, travel insurance, and cancellation insurance. The insurance proposal system includes an insurance proposal device and an electronic payment application.

FIG. 1 is a diagram showing an example of the configuration of the insurance proposal system 10. The insurance proposal system 10 includes a terminal device 100, a store terminal 200-1, 200-2, 200-n (n is an integer of 1 or more), a payment device 300, an insurance proposal device 400, and an insurance reception device 500-1, 500. -2, 500-m (m is an integer of 1 or more) is included. In the following description, when each of the store terminals 200-1, 200-2, and 200-n is not particularly distinguished, any one unit is expressed as the store terminal 200. When each of the insurance receiving devices 500-1, 500-2, and 500-m is not particularly distinguished, any one of them is referred to as an insurance receiving device 500.

The terminal device 100, the store terminal 200, the payment device 300, the insurance proposal device 400, and the insurance reception device communicate via the network NW. The network NW includes a WAN (Wide Area Network), a LAN (Local Area Network), the Internet, a cellular network, and the like.

The terminal device 100 is a computer device having a communication function and a display function such as a smartphone, a personal computer, and a tablet terminal. In the terminal device 100, a processor such as a CPU (Central Processing Unit) executes an application program to receive proposed insurance information from the insurance proposal device 400, and uses the received proposed insurance information to display a screen for encouraging insurance. Displayed on the terminal device 100.

The payment method using the terminal device 100 includes "payment method 1" and "payment method 2". In the "payment method 1", the terminal device 100 uses the function of the electronic payment application to input information such as a store ID (identification information, the same applies hereinafter) encoded in a code image such as a QR code (registered trademark) installed in the store. Information such as the store ID, user ID, charge, date and time is uploaded to the payment device 300 by the device 100 reading, the user inputting the charge into the terminal device 100, confirming the store side, and then performing the confirmation operation. Will be done. The payment device 300 completes the electronic payment by subtracting the charge amount from the balance information associated with the user ID and adding the charge amount to the balance information associated with the store ID. When reading the code image, the electronic payment application activates the camera of the terminal device 100, and ends the imaging by the camera when the frame image in which the encoded information can be read is captured. Since this mechanism is a known technique, detailed description thereof will be omitted.

In the "payment method 2", the terminal device 100 displays a code image such as a barcode in which information including a user ID is encoded by the function of the electronic payment application, and the store terminal 200 including a reading device such as a barcode reader 200. Reads information such as a user ID encoded in a barcode, and uploads information such as a store ID, a user ID, a charge, and a date and time to the payment device 300. Similar to the "payment method 1", the payment device 300 subtracts the charge amount from the balance information associated with the user ID and adds the charge amount to the balance information associated with the store ID. , Complete the electronic payment. It should be noted that the adoption of these two payment methods is merely an example, and any payment method may be adopted in the application of the present invention.

The store terminal 200 is provided, for example, in a store where payment can be made by an electronic payment application. The store terminal 200 is, for example, a POS (Point Of Sales) terminal. Hereinafter, the term "store" refers to a store that can be settled by an electronic payment application.

The payment device 300 manages electronic payment using the terminal device 100 on which the electronic payment application operates. Specifically, the payment device 300 is an information processing device that provides an electronic payment service related to electronic payment using the terminal device 100 and performs various payments, and is realized by, for example, a server device or a cloud system. For example, the payment device 300 manages the accounts of sellers and purchasers to be traded, and realizes various payments by remittance of electronic money between the accounts in accordance with a payment request from a user. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

In the electronic payment, the payment device 300 transfers the electronic money of the amount indicated by the payment amount from the user's account to the store's account. Then, the payment device 300 transmits a notification to the terminal device 100 that the payment has been completed. In such a case, the terminal device 100 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed and a predetermined voice. Further, the payment device 300 transmits payment information (store ID, user ID, charge, balance, and date) to the insurance proposal device 400 in response to the electronic payment.

The insurance proposal device 400 selects the insurance to be proposed to the user of the terminal device 100 based on the payment information transmitted from the payment device 300, and notifies the electronic payment application of the proposed insurance information regarding the selected insurance. The electronic payment application causes the terminal device 100 to display a screen prompting the user to take out insurance using the proposed insurance information.

The insurance receiving device 500 accepts operations related to insurance from the terminal device 100 (all operations related to insurance such as operations for taking out insurance and operations for browsing insurance introductions, hereinafter also referred to as "insurance-related operations"). The insurance receiving device 500 is provided for each insurance company that receives insurance.

FIG. 2 is a diagram showing an example of the configuration of the insurance proposal device 400. The insurance proposal device 400 includes, for example, a communication unit 410. The communication unit 410 is a communication interface such as a network card for connecting to the network NW.

The insurance proposal device 400 further includes a control unit 420. The control unit 420 includes a payment information acquisition unit 421, a category acquisition unit 422, a selection unit 423, a notification unit 424, a store position acquisition unit 425, and a specific area acquisition unit 426.

These components are realized by, for example, a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit). It may be realized by (including circuits), or it may be realized by the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device including a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or a removable storage device such as a DVD or a CD-ROM. It is stored in a medium (non-transient storage medium), and may be installed in the storage device by mounting the storage medium in the drive device. It is not necessary that all the above components are realized by one processor, and distributed processing by a plurality of processors may be performed as appropriate.

The payment information acquisition unit 421 acquires payment information in response to electronic payment using the terminal device 100 on which the electronic payment application operates. The category acquisition unit 422 acquires the category to which the store to which the electronic payment has been made belongs in response to the electronic payment using the terminal device 100 on which the electronic payment application operates. The selection unit 423 selects the insurance to be proposed to the user of the terminal device 100 based on the payment information. The selection unit 423 selects the insurance to be proposed to the user who made the payment using the terminal device 100 based on the category. The notification unit 424 notifies the electronic payment application of the proposed insurance information regarding the selected insurance. The store position acquisition unit 425 acquires the position information of the place where the electronic payment is made. The specific area acquisition unit 426 acquires a specific area determined according to the contents of past electronic payments.

The insurance proposal device 400 further includes a storage unit 430. The storage unit 430 is realized by, for example, an HDD, a flash memory, a RAM (Random Access Memory), or the like. Information such as store information 431, user information 432, purchase history information 433, insurance information 434, and insurance history information 435 is stored in the storage unit 430. The details of this information will be explained step by step. The storage unit 430 may be a NAS (Network Attached Storage) that can be accessed from the insurance proposal device 400 via a network NW or the like, instead of the device attached to the insurance proposal device 400.

FIG. 3 is a diagram showing an example of the contents of the store information 431. The store information 431 is, for example, information in which a prefecture, a municipality, a street address, a facility, a category, and the like are associated with a store ID. The store ID is identification information that uniquely identifies the store. The prefecture, city, ward, town, and street number indicate the location information (address) of the store. The facility indicates the facility name of the store or the facility to which the store belongs. The categories are defined based on the insurance required when purchasing the products sold in the store or the services provided in the store. In addition, the category is determined based on the insurance required when the product sold at the store or the service provided at the store is reserved. In this embodiment, the name of the category is the corresponding insurance type as it is. In FIG. 3, one store corresponds to one category, but one store may correspond to a plurality of categories.

For example, the facility of the store IDS001 shown in FIG. 3 is a service area, but something such as purchasing or making a reservation for souvenirs or purchasing or making a reservation for a hot spring service in the service area is performed at this store. When the payment is made, the automobile insurance is notified to the terminal device 100 as the proposed insurance information.

The facility of the store IDS002 is a ski resort, but if any payment is made at this store, such as purchasing or making a reservation for drinks, or purchasing or making a reservation for lift service, ski insurance will be provided. The terminal device 100 is notified as the proposed insurance information.

The facility of the store IDS003 is a golf course, but if, for example, you purchase or make a reservation for food, or purchase or make a reservation for a caddy service at this store, ski insurance will be the suggested insurance information for the terminal device. Notified to 100.

The facility of the store IDS004 is baby products, but if you make a purchase or reservation for children's clothing, or purchase or make a reservation for a child-rearing course service at this store, life insurance will be the terminal as suggested insurance information. Notified to device 100.

The facility of the store IDS005 is an inn, but if, for example, you purchase or make a reservation for a meal or make a reservation for a massage service at this store, travel insurance will be sent to the terminal device 100 as proposed insurance information. You will be notified.

The facility of the store IDS006 is a cycling store, but if you make a purchase or reservation for a bicycle, or if you purchase or make a reservation for a bicycle rental service at this store, bicycle insurance will be the suggested insurance information for the terminal device. Notified to 100.

The facility of the store IDS007 is the Umi no Ie, but if you purchase or make a reservation for the entrance fee (or usage fee) of the Umi no Ie, or if you purchase or make a reservation for the swimming course service, for example. The outdoor insurance (sea bathing insurance) is notified to the terminal device 100 as the proposed insurance information.

FIG. 4 is a diagram showing an example of the contents of the user information 432. The user information 432 is, for example, information in which a customer ID is associated with a name, gender, date of birth, address, specific area, and the like. The user ID is identification information that uniquely identifies the user. The name indicates the name of the user. Gender indicates the gender of the user. The date of birth indicates the date of birth of the user. The address indicates the address of the user. A specific area is an example of a specific area that is determined according to the contents of past electronic payments. The specific area is, for example, an area that occupies a predetermined ratio (for example, 50%) of the areas where users have made electronic payments in the past year. In this embodiment, the area is a city, ward, town, or village unit. That is, the specific area is considered to be the living area of the user. If there are a plurality of areas that occupy a predetermined ratio, one user may be associated with a plurality of payment locations. In an area where people live across prefectures, such as a metropolitan area, the above-mentioned predetermined ratio may be smaller, for example, 30%, as compared with the case where the area is not a metropolitan area.

FIG. 5 is a diagram showing an example of the contents of the purchase history information 433. The purchase history information 433 is information indicating past (for example, one year) electronic payment, and is provided for each user. The purchase history information 433 is, for example, information in which a settlement store, a settlement date, a charge, and the like are associated with a customer ID. The payment store indicates the store ID of the store where the electronic payment was made. The settlement date indicates the date on which the electronic payment was made. The charge indicates the payment amount by electronic payment.

FIG. 6 is a diagram showing an example of the contents of insurance information 434. The insurance information 434 is, for example, information in which an insurance type, an insurance name, an insurance premium, and the like are associated with an insurance ID. The insurance ID is identification information that uniquely identifies the insurance. The insurance name indicates the name of the insurance. The insurance premium indicates the amount required to take out insurance.

FIG. 7 is a diagram showing an example of the contents of the insurance history information 435. Insurance history information 435 is provided for each user who has used insurance in the past. For example, it is information in which an insurance usage date, an insurance ID, and the like are associated with a user ID. The insurance use date indicates the date when the user started using the insurance. The insurance ID indicates the insurance ID of the insurance used by the user.

Next, the display screen displayed on the terminal device 100 by the electronic payment application will be described. FIG. 8 is a diagram showing a payment screen 110 displayed when payment is made by the above-mentioned “payment method 2”. The above-mentioned barcode is displayed on the payment screen 110.

The insurance button 112 is displayed on the payment screen 110. As will be described later, the proposed insurance information is notified to the electronic payment application, and the insurance button 112 displayed here is displayed and controlled independently of the notification of the proposed insurance information. When the user operates the insurance button 112 by tapping or the like, the insurance mini application is activated. The insurance mini-app is an example of another application program that accepts insurance. In this way, the user can activate the insurance mini-appli and perform insurance-related operations regardless of whether or not the proposed insurance information is notified.

The insurance mini-app is an application developed by an insurance company so that it can be started within an electronic payment application. For example, the insurance mini-app is launched within the electronic payment app and displays various screens using the web view function. When the insurance mini-app is activated, the URL (Uniform Resource Locator) of the insurance reception device 500 is accessed, and the HTML (Hyper Text Markup Language) content provided by the insurance reception device 500 is displayed by the web view function.

An application that can start a mini application, such as an electronic payment application, is also called a super application. In general, mini-apps are third-party apps that are different from the SuperAppli developers. Third-party companies develop using API (Application Programming Interface) for mini-app development provided by the side that develops and operates superapps. By using this API, it may be possible to develop a mini-appli more easily, or the mini-appli may be able to display various screens with the same design as a super appli. Mini-apps have the advantage of not having to be downloaded.

FIG. 9 is a diagram showing a portal screen 120 of the insurance mini-appli. Buttons 121 corresponding to various types of insurance are displayed on the portal screen 120. In FIG. 9, six buttons 121 are displayed. For example, by scrolling horizontally, buttons corresponding to more insurance types can be displayed. When the user operates, for example, a button corresponding to automobile insurance among the buttons 121 by tapping or the like, the automobile insurance subscription screen is displayed.

FIG. 10 is a diagram showing a car insurance subscription screen 130. The insurance mini-appli displays input screens (not shown) required for subscription one after another from the subscription screen 130. At this time, various information (name, age, etc.) registered in the electronic payment application is automatically input. The user inputs various information in the input field displayed by the insurance mini application. After that, when the user makes a payment, the payment completion screen is displayed. FIG. 11 is a diagram showing a payment completion screen 140. The settlement completion screen 140 shows that the settlement of the insurance premium of 3000 yen has been completed. When the user operates the close button displayed on the payment completion screen 140 by tapping or the like, for example, the portal screen 120 described with reference to FIG. 9 may be displayed. Alternatively, the insurance mini-app may be terminated and the electronic payment application may display the payment screen 110 shown in FIG.

As described above, the electronic payment application can perform insurance-related operations by activating the insurance mini-app on the payment screen 110 shown in FIG. Next, the insurance proposal processing in which the insurance proposal device 400 proposes insurance to the user of the terminal device 100 based on the payment information will be described.

FIG. 12 is a sequence diagram showing an example of the flow of insurance proposal processing. The electronic payment method may be either "payment method 1" or "payment method 2", but here, it is assumed that "payment method 2" has been performed. When the "payment method 1" is performed, the processing flow will be different, but the illustration and description will be omitted again.

In the terminal device 100, the electronic payment application displays the payment screen 110 shown in FIG. 8 (S1). The user presents the barcode to the store terminal 200. The store terminal 200 reads the user ID from the barcode (S2). The store terminal 200 transmits various information including the read user ID to the payment device 300 (S3). The payment device 300 performs payment processing by changing the balance between the user and the store as described above (S4). The payment device 300 notifies the store terminal 200 that the payment has been completed (S5). The store terminal 200 performs a settlement process such as issuing a receipt (S6).

When the payment is completed, the payment device 300 transmits payment information to the insurance proposal device 400 (S7). The insurance proposal device 400 performs insurance selection notification processing (S8). The details of this insurance selection notification process will be described later. The insurance proposal device 400 notifies the electronic payment application of the proposed insurance information regarding the selected insurance (S9). The notification here is a push notification. When the electronic payment application receives the push notification from the insurance proposal device 400, the electronic payment application displays a screen prompting the insurance participation on the terminal device 100 using the proposed insurance information (S10). FIG. 13 is a diagram showing a notification screen 150, which is an example of a screen for encouraging insurance. The notification screen 150 displays "There is recommended insurance" and prompts you to take out insurance. The notification screen 150 is a screen capable of accepting predetermined operations (tap operation, touch operation, etc.) by the user. The screen for encouraging insurance may be any screen as long as it invites the user to the screen for accepting insurance-related operations.

When the tap by the user is detected (S11), the insurance mini-appli is activated (S12). When the insurance mini-app is activated, the insurance mini-app accesses the URL of the insurance receiving device 500, displays the HTML content provided by the insurance receiving device 500, and communicates with the insurance receiving device 500.

There are two screens displayed when the insurance mini-app is activated, one is when the insurance proposed by the insurance proposal device 400 is one, and the other is when there are a plurality of insurances. When there is only one insurance proposed by the insurance proposal device 400, the insurance mini-app does not display the portal screen 120 shown in FIG. 9 and the proposed insurance subscription screen (for example, the subscription screen of FIG. 10). 130) is displayed.

On the other hand, when there are a plurality of insurances proposed by the insurance proposal device 400, the insurance mini-appli displays a plurality of proposal screens. FIG. 14 is a diagram showing a plurality of proposal screens 160. The plurality of proposal screens 160 shown in FIG. 14 show, for example, a screen displayed when the insurance proposed by the insurance proposal device 400 is automobile insurance and golf insurance. The multiple proposal screen 160 shows the insurance type proposed by the insurance proposal device 400. In addition, the color of the button corresponding to the insurance type proposed by the insurance proposal device 400 is changed and displayed prominently. When the user operates the button corresponding to the golf insurance by tapping or the like on the plurality of proposal screens 160, the golf insurance subscription screen is displayed.

FIG. 15 is a diagram showing a golf insurance subscription screen 170. In addition to the selection buttons for golf insurance A to C, the recommended insurance 171 is displayed on the subscription screen 170. This recommended insurance is selected by the insurance proposal device 400. Specifically, the insurance proposal device 400 selects the recommended insurance from the selected insurances by using the balance included in the payment information, the insurance information 434, and the insurance history information 435.

The insurance proposal device 400 refers to the amount of insurance shown in the insurance information 434, and selects insurance according to the balance that can be settled using the terminal device 100. Further, the insurance proposal device 400 refers to the insurance history information 435 and selects the insurance according to the insurance that the user has used in the past. For example, if the insurance fee payable by the balance is golf insurance B, or if the user has used golf insurance B in the past, the insurance proposal device 400 selects golf insurance B.

Even if there are a plurality of insurances proposed by the insurance proposal device 400, the plurality of proposal screens 160 shown in FIG. 14 are not displayed when the user performs a predetermined operation on the notification screen 150. , One of the proposed insurance subscription screens, such as the golf insurance subscription screen 170 of FIG. 15, may be displayed immediately.

FIG. 16 is a flowchart showing an example of the flow of selection notification processing performed by the insurance proposal device 400. The payment information acquisition unit 421 acquires payment information (S11). The store position acquisition unit 425 acquires the position information of the place where the electronic payment is made by using the store ID and the store information 431 included in the payment information (step S12). The specific area acquisition unit 426 acquires a specific area determined according to the contents of past electronic payments from the user information 432 (S13).

The notification unit 424 determines whether or not the location information is included in the specific area (S14). If the location information is included in a specific area, it is considered that the user is not traveling or on a business trip because the payment is made in the living area. On the contrary, when the location information is not included in the specific area, it is considered that the user is traveling or on a business trip because the payment is made in an area other than the living area.

If the location information is included in the specific area, the process proceeds to S19. When the location information is not included in the specific area, the selection unit 423 determines whether or not the store that made the payment is related to the expressway (S15). Here, whether or not it is related to the expressway depends on whether or not the facility to which the place where the electronic payment is made belongs is a facility in the expressway such as a service area or a parking area by referring to the address of the store information 431 by the selection unit 423. judge. Alternatively, the selection unit 423 refers to the facility of the store information 431 and determines whether or not there is an expressway in the vicinity of the store where the payment was made. If the store that made the payment is not related to the expressway, proceed to S17. If the store that made the payment is related to the expressway, the selection unit 423 selects automobile insurance (S16).

The selection unit 423 determines whether or not the store that made the payment is related to the railway (S17). Here, whether or not it is related to a railway is determined by whether or not the facility to which the place where the electronic payment is made belongs is a facility such as a station by referring to the facility of the store information 431 by the selection unit 423. Alternatively, the selection unit 423 refers to the address of the store information 431 and determines whether or not there is a station in the vicinity of the store where the payment was made. If the store where the payment was made is not related to the railway, proceed to S19. If the store where the payment was made is related to the railway, the selection unit 423 selects travel insurance (S18). As shown in S15 and S17 above, the selection unit 423 selects the insurance to be proposed to the user based on the facility to which the place where the electronic payment is made belongs.

The selection unit 423 determines whether or not the user has settled the travel reservation (S19). Whether or not the travel reservation has been settled is determined by the selection unit 423 referring to the facility of the store information 431 and determining whether or not the store is a travel agency. If the user has not settled the travel reservation, the process proceeds to S21. When the user has settled the travel reservation, the selection unit 423 selects the cancellation insurance (S20).

The category acquisition unit 422 acquires the category by using the store ID and the store information 431 included in the payment information (S21). The selection unit 423 selects insurance corresponding to the category (S22). The selection unit 423 further selects the recommended insurance from the selected insurances by using the balance included in the payment information, the insurance information 434, and the insurance history information 435 (S23). In this way, the selection unit 423 selects the insurance to be proposed to the user according to the balance that can be settled by using the terminal device 100. In addition, the selection unit 423 selects the insurance to be proposed to the user according to the insurance that the user has used in the past.

The notification unit 424 notifies the proposed insurance information (S24). The proposed insurance information includes at least the insurance ID of the proposed insurance. Also, if there is a recommended insurance, the proposed insurance information includes the insurance ID of the recommended insurance.

By the process described above, the insurance proposal system 10 can propose appropriate insurance based on the settlement behavior of the user.

Specifically, since payment behavior is routinely performed both in the user's living area and outside the living area such as travel, whether or not the user is outside the living area is determined by the user's payment behavior. It is easy to judge. In addition, since some kind of insurance is often provided for goods and services that are subject to payment, by classifying the stores where electronic payment has been made by category, users can be informed according to the payment behavior. Can propose appropriate insurance.

As mentioned above, the categories are defined based on the insurance required when purchasing the products sold in the store or the services provided in the store. In addition, the category is determined based on the insurance required when the product sold at the store or the service provided at the store is reserved. Therefore, the above categories are just examples.

The present embodiment may be applied when payment is made other than the purchase of goods or the reservation of services. Specifically, for example, when a deposit is made at a hotel, it does not correspond to the purchase of goods or the reservation of services, but it may be determined that the person is on a trip and a travel insurance may be proposed.

Further, instead of proposing insurance for each electronic payment, insurance may be proposed based on electronic payment for a certain period of time. For example, a household account book function may be incorporated into an electronic payment application, the asset status may be grasped together with the household account book and the payment history for a certain period, and savings insurance may be proposed.

In the embodiment described above, the address is used as the place where the electronic payment is made, but latitude and longitude may be used. Further, the specific area may also be defined as, for example, within a circle centered on latitude and longitude. That is, the information for specifying the location may be other than the one using administrative divisions.

Although the embodiments for carrying out the present invention have been described above using the embodiments, the present invention is not limited to these embodiments, and various modifications and substitutions are made without departing from the gist of the present invention. Can be added.

10 Insurance proposal system 100 Terminal device 110 Payment screen 112 Insurance button 120 Portal screen 121 Button 130 Subscription screen 140 Payment completion screen 150 Notification screen 160 Multiple proposal screen 170 Subscription screen 200, 200-1, 200-2, 200-n Store terminal 300 Payment device 400 Insurance proposal device 410 Communication unit 420 Control unit 421 Payment information acquisition unit 422 Category acquisition unit 423 Selection unit 424 Notification unit 425 Store location acquisition unit 426 Specific area acquisition unit 430 Storage unit 431 Store information 432 User information 433 Purchasing History information 434 Insurance information 435 Insurance history information 500, 500-1, 500-2, 500-m Insurance reception device

Claims (11)

An insurance proposal system that includes an insurance proposal device and an application program used for electronic payment.
The application program performs the electronic payment in cooperation with the payment device by the method 1 or the method 2.
In the method 1, the payment device acquires the store identification information obtained from the image acquired by the application program, the amount of money related to the payment, and the identification information of the user of the application program from the application program. It is a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount of money related to the payment, and the identification information of the store.
In the method 2, the payment device acquires the store identification information, the amount of money related to the payment, and the user identification information of the application program user from the store terminal device of the store, and the acquired user's identification information. It is a method of making a payment based on the balance information associated with the identification information, the amount of money related to the payment, and the identification information of the store. In the store terminal device, the application program is installed by the application program. It is a method of acquiring the identification information of the user by reading the code information in which the identification information of the user displayed on the terminal device is encoded.
The insurance proposal device is
A payment information acquisition unit that acquires payment information related to the electronic payment including the balance information after the electronic payment in response to the electronic payment using the terminal device on which the application program operates.
A selection unit that selects insurance to be proposed to the user of the terminal device based on the balance information after the electronic payment included in the payment information.
It comprises a notification unit that notifies the application program of the proposed insurance information regarding the selected insurance.
The application program causes the terminal device to display a screen for encouraging insurance participation using the proposed insurance information.
Insurance proposal system. An insurance proposal system that includes an insurance proposal device and an application program used for electronic payment.
The insurance proposal device is
A payment information acquisition unit that acquires payment information related to the electronic payment in response to electronic payment using a terminal device on which the application program operates, and a payment information acquisition unit.
A selection unit that selects insurance to be proposed to the user of the terminal device based on the payment information.
It comprises a notification unit that notifies the application program of the proposed insurance information regarding the selected insurance.
The application program causes the terminal device to display a screen for encouraging insurance by using the proposed insurance information.
The selection unit has a position corresponding to the facility obtained from the identification information of the facility where the electronic payment is performed, which is included in the payment information, at a position different from the living area obtained from the history of the electronic payment of the user. If so, choose travel insurance,
Insurance proposal system. The insurance proposal system according to claim 1 or 2, wherein the selection unit selects insurance to be proposed to the user according to a balance that can be settled using the terminal device. The selection unit selects the insurance proposed to the user according to the insurance that the user has used in the past.
The insurance proposal system according to any one of claims 1 to 3. The application program is
When the user's predetermined operation on the screen prompting the insurance is detected by using the proposed insurance information, another application program for accepting the insurance is started.
The insurance proposal system according to any one of claims 1 to 4. A payment information acquisition unit that acquires payment information related to the electronic payment including balance information after the electronic payment in response to electronic payment using a terminal device on which an application program used for electronic payment operates.
A selection unit that selects insurance to be proposed to the user of the terminal device based on the balance information after the electronic payment included in the payment information.
It is provided with a notification unit for notifying the application program of the proposed insurance information regarding the selected insurance and displaying it on the terminal device.
The payment information acquisition unit acquires the payment information including the balance information from the payment device that performs the electronic payment in cooperation with the application program by the method 1 or the method 2.
In the method 1, the payment device acquires the store identification information obtained from the image acquired by the application program, the amount of money related to the payment, and the identification information of the user of the application program from the application program. It is a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount of money related to the payment, and the identification information of the store.
In the method 2, the payment device acquires the store identification information, the amount of money related to the payment, and the user identification information of the application program user from the store terminal device of the store, and the acquired user's identification information. A method of making a payment based on the balance information associated with the identification information, the amount of money related to the payment, and the identification information of the store. In the store terminal device, the application program is the application program. It is a method of acquiring the user's identification information by reading the code information in which the user's identification information displayed on the installed terminal device is encoded.
Insurance proposal device. A payment information acquisition unit that acquires payment information related to electronic payment in response to electronic payment using a terminal device that operates an application program used for electronic payment.
It is a selection unit that selects insurance to be proposed to the user of the terminal device based on the payment information, and corresponds to the facility obtained from the identification information of the facility where the electronic payment is performed included in the payment information. If the location is different from the living area obtained from the user's electronic payment history, a selection unit that selects insurance related to travel , and
A notification unit that notifies the application program of the proposed insurance information regarding the selected insurance and displays it on the terminal device.
Insurance proposal device equipped with. The application program performs electronic payment in cooperation with the payment device by method 1 or method 2.
In the method 1, the payment device acquires the store identification information obtained from the image acquired by the application program, the amount of money related to the payment, and the identification information of the user of the application program from the application program. It is a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount of money related to the payment, and the identification information of the store.
In the method 2, the payment device acquires the store identification information, the amount of money related to the payment, and the user identification information of the application program user from the store terminal device of the store, and the acquired user's identification information. It is a method of making a payment based on the balance information associated with the identification information, the amount of money related to the payment, and the identification information of the store. In the store terminal device, the application program is installed by the application program. It is a method of acquiring the identification information of the user by reading the code information in which the identification information of the user displayed on the terminal device is encoded.
The computer
In response to the electronic payment using the terminal device on which the application program operates, the payment information related to the electronic payment including the balance information after the electronic payment is acquired.
Based on the balance information after the electronic payment included in the payment information, the insurance to be proposed to the user of the terminal device is selected.
Notify the application program of the proposed insurance information regarding the selected insurance and
The application program uses the proposed insurance information to notify a screen prompting the user to take out insurance and display it on the terminal device.
Insurance proposal method. The computer
When electronic payment is performed using a terminal device on which an application program used for electronic payment is operated, payment information related to the electronic payment is acquired.
In the process of selecting insurance to be proposed to the user of the terminal device based on the payment information, the position corresponding to the facility obtained from the identification information of the facility where the electronic payment is performed included in the payment information is the user. If the location is different from the living area obtained from the above electronic payment history, select travel insurance and select
Notifying the application program of the proposed insurance information regarding the selected insurance and displaying it on the terminal device.
Insurance proposal method. A process of causing a computer to acquire payment information related to the electronic payment including balance information after the electronic payment in response to an electronic payment using a terminal device on which an application program used for the electronic payment is operated.
A process of causing the user of the terminal device to select the insurance to be proposed based on the balance information after the electronic payment included in the payment information.
A process of notifying the application program of the proposed insurance information regarding the selected insurance and displaying it on the terminal device.
A process of acquiring the payment information including the balance information from the payment device that performs the electronic payment in cooperation with the application program by the method 1 or the method 2 is executed.
In the method 1, the payment device acquires the store identification information obtained from the image acquired by the application program, the amount of money related to the payment, and the identification information of the user of the application program from the application program. It is a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount of money related to the payment, and the identification information of the store.
In the method 2, the payment device acquires the store identification information, the amount of money related to the payment, and the user identification information of the application program user from the store terminal device of the store, and the acquired user's identification information. A method of making a payment based on the balance information associated with the identification information, the amount of money related to the payment, and the identification information of the store. In the store terminal device, the application program is the application program. It is a method of acquiring the user's identification information by reading the code information in which the user's identification information displayed on the installed terminal device is encoded.
program. In response to the electronic payment performed by the computer using the terminal device on which the application program is operated, the payment information related to the electronic payment is acquired.
In the process of making the user of the terminal device select the insurance to be proposed based on the payment information, the position corresponding to the facility obtained from the identification information of the facility where the electronic payment is performed included in the payment information is the user. If the location is different from the living area obtained from the electronic payment history of the above, the insurance related to travel will be selected.
Notifying the application program of the proposed insurance information regarding the selected insurance and displaying it on the terminal device.
program.

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