JP7232794B2 - Insurance management device, terminal program and insurance management program - Google Patents

Description

The present invention relates to an insurance management device, a terminal program, and an insurance management program.

Many insurance products are sold, such as life insurance, property and casualty insurance, and medical insurance. Under such circumstances, an insurance agent that handles insurance products of multiple insurance companies may grasp the details of the insurance that the customer has already contracted based on the insurance policy and propose appropriate insurance to the customer. . However, in order to grasp the details of the insurance contracted by the customer, it is necessary to read and analyze the paper insurance policy one by one. For this reason, time and know-how are required, and variations occur depending on the person in charge.

As an invention to solve such problems, for example, Patent Document 1 discloses an insurance policy image analysis system capable of quickly and multifacetedly analyzing the content of insurance policies that are not electronic data. The invention described in Patent Literature 1 can analyze the content of the subscription insurance based on the insurance policy and provide the analysis result to the person in charge of the insurance agency.

JP-A-2018-36998

It may be difficult even for the insured person as well as for the person in charge of the insurance agency to grasp the content of the insurance that has already been contracted. In other words, the insured person selects insurance according to their purpose at the time of enrollment, but if they enroll in multiple insurance policies or if a long time has passed since they enrolled in insurance, they will not be able to find out what kind of insurance they want to purchase. In many cases, it is not possible to grasp whether the content of the insurance is covered. In addition, in Patent Document 1, although it is possible to grasp what kind of insurance is subscribed, the actual insurance money (insurance money here means not only insurance money but also benefits such as benefits, etc.) (The term “insurance claims” used in this specification has the same meaning.) The timing at which claims can be claimed must be determined by the insurance policyholder himself/herself. There is a lot of time, and I often miss the timing.

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide an insurance management device, a terminal program, and an insurance management system capable of notifying an insurance policyholder that it is possible to receive insurance money from an underwriting company of the insurance product to which he/she has subscribed. to provide the program.

An insurance management apparatus of the present invention is an insurance management apparatus that is provided so as to be able to communicate with a terminal device carried by a user. a first acquisition unit that acquires second information that specifies a product; a specification unit that specifies a user's condition based on the first information and specifies an insurance product that the user subscribes to based on the second information; a second acquisition unit that acquires insurance product information stored in association with insurance products from which insurance claims may be received for each state of the user, the user's state and the insurance product specified by the specifying unit, and the second acquisition a determination unit that determines whether or not it is time for the user to receive an insurance payment from the underwriting insurance company of the insurance product based on the insurance product information acquired by the unit; an output unit for outputting information notifying the fact to the terminal device when it is determined that it is a certain timing.

According to the insurance management device with this configuration, the user's state and the insurance product that the user subscribes to, which are specified based on the first information and the second information that can be acquired from the terminal device, are acquired by the second acquisition unit. Based on the insurance product information received, it is determined whether or not it is time for the user in the current state to receive insurance money from the underwriting insurance company of the insurance product. Then, when the insurance management apparatus having this configuration determines that it is time to receive the insurance money, it outputs information to the terminal device to notify that effect. Therefore, it is possible to notify the insured person that it is time to receive the insurance money from the underwriting company of the insurance product to which he/she has subscribed.

In the insurance management device of the present invention, the first acquisition unit may acquire position information acquired by the terminal device as the first information. In this configuration, the position information that can be easily obtained by the terminal device is used as the first information. For example, if the terminal device indicates that it is located in a hospital, it is likely that the user carrying the terminal device is visiting or staying at the hospital because of an illness or injury. Thus, the position information is effective information for specifying the user's state. In this configuration, information effective for identifying the user's state is acquired from the terminal device and the user's state is acquired, so the user's state can be specified with higher accuracy.

In the insurance management device of the present invention, the identification unit may identify the user's state based on the location information and at least one of the length of stay and the number of visits to the location identified based on the location information. For example, even if the acquired location information is a hospital, the state of the user may differ depending on whether the user stays at that location for a long time or for a short time. For example, in the former case, it can be assumed that the person has been admitted to a hospital, and in the latter case, it can be assumed that the person has come to see a doctor. The insurance management server with this configuration can more accurately identify the user's status.

The insurance management apparatus of the present invention further includes an option transmission unit that transmits an option for inputting the user's state from the terminal device to the terminal device, and the first acquisition unit receives one of the options selected by the user on the terminal device. may be obtained as the first information. In the insurance management server with this configuration, the user can select the user's status, so the user's status can be obtained accurately.

In the insurance management device of the present invention, the first acquisition unit acquires the image information of the insurance policy of the insurance product as the second information, the identification unit extracts the text information from the image information, and based on the extracted text information The insurance product that the user subscribes to may be specified. With this configuration, it is possible to specify the insurance product to which the user subscribes by using the easily obtainable image information of the insurance policy. As a result, it is possible to reduce the user's time and effort for registering insurance information, and to provide services provided by the insurance management server through simple procedures.

The insurance management apparatus of the present invention identifies insurance products to which the user has not subscribed, based on the insurance products to which the user subscribes, which are specified by the specifying unit. may further include an insurance guidance unit that transmits to the terminal device guidance information on insurance products for which insurance money may be received for the user's condition specified by . With this configuration, it is possible to guide an insurance product for which the insurance money may be received if the user is in the current state. In addition, it is possible to guide the necessary insurance products for the user's condition from among the insurance products that the user has not subscribed to.

The insurance management apparatus of the present invention includes an insurance claims section that transmits information for claiming insurance claims to a management server that is managed by an underwriting insurance company that sells insurance products and manages the contract status of the insurance products. You may also prepare. With this configuration, the user can make an insurance claim from the terminal device carried by the user, so that a one-stop service can be provided from the terminal device.

In the insurance management device of the present invention, the insurance claims section may acquire the progress of procedures for claiming insurance and transmit the progress to the terminal device. With this configuration, the user can also check the progress of the insurance claim from the terminal device carried by the user, so that a more complete one-stop service can be provided from the terminal device.

A terminal program of the present invention is a terminal program in a terminal device provided to be communicable with the insurance management device, wherein the terminal device is provided with information acquisition processing for acquiring the first information and the second information; and an information transmission process of transmitting the second information to the insurance management device. In the program of this configuration, it is possible to provide the terminal device with an application capable of more easily acquiring the first information and the second information and more easily sending the first information and the second information to the insurance management device. can. Thereby, user convenience can be improved.

An insurance management program of the present invention is an insurance management program in an insurance management device provided to be communicable with a terminal device carried by a user, wherein a computer constituting the insurance management device identifies the user's status from the terminal device. A first acquisition process for acquiring first information to specify the insurance product to be subscribed by the user and acquiring second information for specifying the insurance product to be subscribed by the user; specifying the state of the user based on the first information; A specific process of specifying an insurance product that a user subscribes to, a second acquisition process of acquiring insurance product information stored in association with an insurance product from which an insurance claim can be received for each state of the user, and a specific process. Based on the specified user status and insurance product, and the insurance product information acquired in the second acquisition process, whether it is the timing at which the user may receive insurance money from the underwriting insurance company of the insurance product and an output process for outputting information for notifying the fact to the terminal device when it is determined that it is the timing when there is a possibility of receiving the insurance money.

According to the insurance management program with this configuration, the state of the user and the insurance product subscribed by the user, which are specified based on the first information and the second information that can be acquired from the terminal device, and based on the second acquisition process Based on the insurance product information acquired by the insurance company, it is determined whether or not it is the timing when there is a possibility of receiving the insurance money from the underwriting insurance company of the insurance product. Then, when the insurance management program with this configuration determines that it is the timing when it is possible to receive the insurance money, it outputs information to notify the fact to the terminal device. Therefore, it is possible to notify the insured person that it is time to receive the insurance money from the underwriting company of the insurance product to which he/she has subscribed.

ADVANTAGE OF THE INVENTION According to this invention, it is possible to notify an insurance subscriber that it is the timing when there is a possibility of receiving the insurance money from the underwriting company of the insurance product to which the insurance subscriber has joined.

FIG. 1 is a schematic configuration diagram of an insurance management system according to one embodiment. FIG. 2 is a functional block diagram showing the functional configuration of the insurance management system of FIG. 1; FIG. 3 is a diagram illustrating an example of a method for acquiring user status. FIG. 4 is a flow chart showing a method of obtaining subscription insurance information. FIGS. 5A and 5B are diagrams showing an example of a method of transmitting imaging data of an insurance policy. FIGS. 6A and 6B are examples of screens for notifying that it is time to receive the insurance money. FIGS. 7A and 7B are examples of insurance claim screens. FIGS. 8A and 8B are examples of insurance claim screens. FIG. 9 is an example of a progress screen regarding an insurance claim procedure. FIGS. 10A to 10F are examples of indicators shown on the progress screen of FIG.

An embodiment will be described below with reference to the drawings. In the description of the drawings, the same elements are denoted by the same reference numerals, and overlapping descriptions are omitted.

The insurance management system 1 uses the terminal device 30 carried by the user to manage the insurance product that the user has subscribed to, and there is a possibility of receiving the insurance money from the underwriting company of the insurance product that the user has subscribed to. It is a system that can notify the insured person. As shown in FIG. 1, the insurance management system 1 includes an insurance management server (insurance management device) 10 and a terminal device 30 carried by a user. The terminal device 30 and the terminal device 30 are configured to be mutually accessible via the network N. FIG. In addition, the insurance management system 1 is configured to be mutually accessible via the network N with the insurance company server 50 managed by each insurance company. Examples of networks include Internet lines, leased lines, VPN (Virtual Private Network) lines, and the like. Also, the network may be wired or wireless.

First, the insurance management server 10 will be explained. The insurance management server 10 includes a main storage unit such as a CPU (Central Processing Unit), a RAM (Random Access Memory) and a ROM (Read Only Memory), an auxiliary storage unit such as a hard disk and flash memory, a keyboard and a mouse. It is configured as a computer system including an input unit, an output unit such as a display screen, and the like.

A first acquisition unit 11, a specification unit 12, a second acquisition unit 13, a determination unit 14, an output unit 15, an insurance claim unit 17, an insurance guide unit 18, a user management unit 21, and an insurance management unit, which will be described later in detail. Each function in 22 is executed under the control of the CPU by loading predetermined computer software onto hardware such as the CPU and the main storage unit. Some functions of the insurance management server 10 of this embodiment are implemented by an insurance management program stored in the insurance management server 10 .

The insurance management program is an insurance management program in an insurance management device provided to be communicable with a terminal device carried by a user. A first acquisition process of acquiring first information and acquiring second information specifying an insurance product to which the user subscribes; specifying a user's state based on the first information; a second acquisition process of acquiring insurance product information stored in association with insurance products from which insurance products with which insurance claims may be received for each state of the user are stored; Based on the user's state and insurance product acquired in the second acquisition process, and the insurance product information acquired in the second acquisition process, it is determined whether or not it is the timing at which the user is likely to receive insurance money from the underwriting insurance company of the insurance product. and an output process for outputting information to notify the fact to the terminal device 30 when it is determined that it is the timing when there is a possibility of receiving the insurance money.

The first acquisition unit 11 acquires first information specifying the user's condition from the terminal device 30 and acquires second information specifying the insurance product to which the user subscribes. The first acquisition unit 11 of the present embodiment acquires position information acquired by the terminal device 30 as first information. The terminal device 30 acquires its own location information using a GPS (Global Positioning System) or acquires location information specified based on base station information. In addition, the first acquisition unit 11 acquires imaging data (image information) of an insurance policy of an insurance product as second information. Examples of image information include known formats such as JPEG, GIF, PNG, TIFF, BMP, SVG, and EPS.

The specifying unit 12 specifies the state of the user based on the first information. In the present embodiment, the identifying unit 12 is based on location information (first information) acquired by the terminal device 30 and at least one of the length of stay and the number of visits to a location identified based on the location information. to identify the state of the user. Here, as shown in FIG. 3, the identification unit 12 identifies a hospital (general hospital, internal medicine clinic, surgery clinic, specific specialty clinic, obstetrics and gynecology clinic, osteopathic clinic, acupuncture and moxibustion clinic, etc.) based on the location information. Suppose you have specified

For example, if the residence time at the hospital is less than one day, the specifying unit 12 determines that the user's condition is diseased or injured, and if the residence time is one day or more, surgery, accident, etc. , or determined to be childbirth. Further, the specifying unit 12 may determine whether the purpose of visiting the hospital is diagnosis or hospitalization, based on the acquired residence time. As to whether the purpose of visiting the hospital is diagnosis or hospitalization, the specifying unit 12 may transmit a message asking the purpose to the terminal device 30 and determine based on the information input by the user. good.

Further, the specifying unit 12 specifies an insurance product that the user subscribes to based on the second information. The identifying unit 12 extracts text information from the imaging data (second data) of the insurance policy, and identifies the insurance product to which the user subscribes based on the extracted text information. More specifically, as shown in FIG. 4, the specifying unit 12 receives image data of an insurance policy transmitted from the terminal device 30 (step S1), and stores it in a database (step S2). The insurance policy imaging data transmission function of the terminal device 30 will be described later in detail.

Next, the identifying unit 12 identifies the form pattern of the received insurance policy (step S13). Form patterns differ for each insurance company and each insurance type. Therefore, the form pattern of one insurance policy can be specified by specifying the insurance company name and insurance product name described in the insurance policy. The insurance management unit 22 stores insurance policy form patterns for each insurance company and each insurance type. The form pattern of the insurance policy includes position specifying information that specifies where items such as insurance name, policy number, policyholder name, contract period, insurance premium, etc. are written in the insurance policy.

The identification unit 12 first identifies the insurance company name and insurance name described in the insurance policy from the imaging data, and extracts one form pattern from the insurance management unit 22 based on the identified insurance company name and insurance name. AI (Artificial Intelligence) may be used to identify (extract) the insurance company name or insurance name.

Next, the specifying unit 12 acquires position specifying information for each item such as insurance name, policy number, policyholder name, contract period, insurance premium, etc., from the specified one form pattern. The specifying unit 12 extracts image data for each item from the imaging data of the insurance policy based on the position specifying information of the form pattern, and extracts text from the image data. Existing OCR (Optical Character Recognition/Reader) technology or the like can be used to extract text from image data. The specifying unit 12 acquires the text data acquired based on the acquired position specifying information as information on insurance name, policy number, policyholder name, contract period, and premium (step S14). The identification unit 12 stores (manages) the acquired insurance name, policy number, policyholder name, contract period, and insurance premium information in the user management unit 21 in association with the user information (contractor name) (step S15). . The identifying unit 12 transmits to the terminal device 30 information indicating that the insurance product to which the user subscribes has been identified.

Note that the processing unit that executes the OCR process and the AI that identifies the insurance company name or insurance name need not be installed in the insurance management server 10, and can be communicated via a network. good too.

Returning to FIG. 2, the second acquiring unit 13 acquires insurance product information in which insurance products that may receive insurance money are stored in association with each user's condition. The second acquisition unit 13 of this embodiment acquires insurance product information stored in the insurance management unit 22 .

The determining unit 14 determines whether the user can receive the insurance money based on the information about the user's condition and the insurance product subscribed specified by the specifying unit 12 and the insurance product information acquired by the second acquiring unit 13. It is determined whether or not the timing is likely to occur.

More specifically, as shown in FIG. 3, the state of the user specified by the specifying unit 12 is one of illness, surgery, injury, accident, and childbirth, and the insurance specified by the specifying unit 12 is , medical insurance (medical rider, advanced medical rider), cancer insurance (advanced medical rider), non-life insurance, automobile/motorcycle/bicycle insurance (passenger insurance), hospitalization rider, surgery rider, student (children) insurance, income security In the case of either insurance or personal liability insurance, the determination unit 14 determines that the user may receive the insurance money.

Here, in addition to the insurance product information, the second acquisition unit 13 may acquire detailed insurance information (covenants) for each insurance product managed by each insurance company. That is, the second acquiring unit 13 may inquire of the insurance company server 50 of the insurance product specified by the specifying unit 12 about the insurance detailed information (covenant) of the insurance product specified by the specifying unit 12 . The insurance company server 50 that has received the inquiry from the second acquisition unit 13 transmits detailed insurance information (covenant) to the insurance management server 10 . In addition to the determination criteria described above, the determination unit 14 may allow the user to receive insurance money from the underwriting insurance company of the insurance product based on the detailed insurance information (covenant) acquired by the second acquisition unit 13. It may be determined whether or not it is timing.

When the determination unit 14 determines that it is time to receive the insurance money, the output unit 15 outputs information to the terminal device 30 to notify that fact. As a result, on the display screen of the terminal device 30, a message "There is a possibility that you may be able to receive insurance money" is displayed. Instead of displaying the message on the display screen of the terminal device 30, the output unit 15 may send an e-mail, or may notify by an application such as SNS (Social Networking Service).

The insurance claims section 17 transmits information for claiming insurance claims to an insurance company server 50 that is managed by an underwriting insurance company that sells insurance products and manages the contract status of the insurance products, and also sends information for claiming insurance claims. Acquire the progress status of the procedure related to and transmit it to the terminal device 30 . The insurance claim screen and the progress screen on the terminal device 30 will be described later in detail.

The insurance guidance unit 18 identifies insurance products that the user has not subscribed to based on the insurance products that the user subscribes to that have been identified by the identification unit 12, and selects the insurance products that the user has not subscribed from among the identified insurance products that the user has not subscribed to. to the terminal device 30 .

Specifically, as shown in FIG. 3, the identifying unit 12 identifies that the user is in one of airports, seaports, bullet trains, overseas, high seas, and accommodation facilities based on the location information. and Here, the specifying unit 12 determines that the user's state is short-distance travel if the staying time at the place is less than the predetermined time, and long-distance travel if the staying time is longer than the predetermined time. It is determined that it is a trip. Further, the specifying unit 12 may determine whether the travel details are domestic travel or overseas travel based on the obtained stay time or the like. As to whether the travel details are domestic travel or overseas travel, the specifying unit 12 transmits a message asking the travel details to the terminal device 30, and determines based on the information input by the user. may

When the insurance product to which the user subscribes is not specified by the specifying unit 12 and the insurance product to which the user subscribes is not managed by the user management unit 21, the insurance guidance unit 18 When the travel details are domestic travel, domestic travel insurance is recommended as a recommended insurance product, and when the travel details specified by the specifying unit 12 are overseas travel, overseas travel insurance is recommended as a recommended insurance product. Send to the terminal device 30 .

As another example, it is assumed that the specifying unit 12 specifies that the user is in one of the mountains, the ski resort, or the sea, based on the position information. Here, the identification unit 12 determines that the user's state is mountain climbing or marine leisure if the visit time to the place is summer, and determines that the user is engaged in winter sports if the visit time is winter. may As for whether the purpose of the visit to the place is mountain climbing, skiing, snowboarding, scuba diving, or other marine sports, the specifying unit 12 transmits a message asking the purpose to the terminal device 30, The determination may be based on information input by the user.

If the identification unit 12 does not identify the insurance product that the user subscribes to and the user management unit 21 does not manage the insurance product that the user subscribes to, the insurance guidance unit 18 When the state is mountain climbing, mountaineering insurance is guided as a recommended insurance product, and when the user's state specified by the specifying unit 12 is winter sports, ski insurance is guided as a recommended insurance product and specified by the specifying unit 12.例文帳に追加When the user's state is marine sports, marine sports insurance is introduced as a recommended insurance product.

Although detailed description is omitted, the user's state is specified by specifying that the user is at any one of a driving school, a car dealer, a second-hand car dealer, and a bicycle dealer by the identifying unit 12. , the insurance guide unit 18, in accordance with the subscription status of the insurance product of the user (that is, when it is specified that the user has not subscribed to any of automobile insurance, motorcycle insurance, and bicycle insurance), automobile insurance, motorcycle insurance , and bicycle insurance. Similarly, the identification unit 12 identifies the state of the user by identifying that the user is in either a real estate sales/leasing store or a housing exhibition hall, and the insurance information unit 18 identifies the user's subscription to insurance products. Fire insurance, earthquake insurance, household contents insurance, and tenant liability insurance, as appropriate (i.e., if it is identified that you do not have any of fire, earthquake, household contents, and renter liability insurance) You may refer to any of the insurances.

Next, the terminal device 30 carried by the user will be described. The terminal device 30 acquires the first information and the second information, transmits the acquired first information and the second information to the insurance management server 10, and receives the insurance money from the underwriting insurance company of the insurance product. It is a device that can notify the user that it is, make a claim to the insurance company, and can confirm the progress of the procedure related to the claim.

Examples of the terminal device 30 include a stationary terminal, a mobile terminal, a tablet terminal, a smart phone, a PDA (Personal Digital Assistant), and the like. The terminal device 30 is configured as a computer system including a main storage unit such as a CPU, RAM, and ROM, an auxiliary storage unit such as a flash memory, an input unit such as a touch panel display screen, an output unit, and the like.

Each function of the information acquisition unit 31, the information transmission unit 32, the timing notification unit 33, and the insurance claim unit 34, which will be described in detail later, is performed by loading predetermined computer software onto hardware such as a CPU and a main storage unit. Therefore, it is executed under the control of the CPU. The computer software described above is transmitted from the insurance management server 10 . That is, some functions of the terminal device 30 are realized by a terminal program stored in the insurance management server 10. FIG.

More specifically, the terminal program causes the terminal device 30 to perform information acquisition processing for acquiring the first information and the second information, and transmit the first information and the second information acquired by the information acquisition processing to the insurance management server 10. Information transmission processing, user notification processing for notifying the user that it is possible to receive insurance money from the underwriting insurance company of the insurance product, and insurance claim for claiming insurance money from the terminal device 30 to the insurance company. It realizes document processing and progress confirmation processing for confirming the progress of procedures related to insurance claims. The terminal program of this embodiment is executed as an application installed in the terminal device 30 .

The information acquisition unit 31 acquires position information as the first information as described above. The information acquisition unit 31 acquires its own location information using GPS, or acquires location information specified based on base station information. In addition, the information acquisition unit 31 acquires imaging data of the insurance policy of the insurance product. As shown in FIG. 5A, the user touches the "start registering policy" button B1 on the menu screen M1 to activate the insurance policy imaging function. As a result, the camera built in the terminal device 30 is activated, and the insurance policy can be imaged as shown in FIG. 5(B). The user adjusts the insurance policy P so that it fits within the frame F displayed on the display screen, and touches the imaging button B2. As a result, the insurance policy P is imaged, and image data of the insurance policy can be acquired.

The information transmission unit 32 transmits the imaging data of the insurance policy acquired by the information acquisition unit 31 to the insurance management server 10 . The user transmits the imaging data to the insurance management server 10 by touching a transmission button (not shown).

The timing notification unit 33 receives the message "There is a possibility of receiving the insurance money" transmitted from the output unit 15 when the determining unit 14 in the insurance management server 10 determines that it is time to receive the insurance money. , and the message M2 is displayed on the display screen as shown in FIG. 6(A). By seeing the message M2, the user can know that it is the timing when there is a possibility of receiving the insurance money from the underwriting insurance company of the insurance product to which the user subscribes. Note that the timing notification unit 33 may notify by sound, light, vibration, etc., in addition to the message, that there is a possibility of receiving the insurance money from the underwriting insurance company of the insurance product to which the timing notification unit 33 subscribes. .

When the user touches the details button B3 displayed below the message M2, a list screen M3 displaying a list of items described in the insurance policy as shown in FIG. 6B is displayed. . By viewing the list screen M3, the user can confirm the details of the insurance product for which the insurance money may be received.

The insurance claim section 34 transmits the information for claiming the insurance that the insurance management server 10 transmits to the insurance company server 50 to the insurance claim section 17 in the insurance management server 10 . In other words, the insurance claims section 34 supports the function of the insurance management server 10 claiming insurance claims from the insurance company server 50 . The function of the insurance claims section 34 operates as an application by a program transmitted by the insurance management server 10 .

The insurance claims section 34 activates a menu screen M4 for claiming insurance claims from the terminal device 30, as shown in FIG. 7(A). Specifically, when the user touches an inquiry button B4 displayed below the list screen M3, the menu screen M4 is activated. The menu screen M4 displays a call button B5 for making an insurance claim procedure by making a call, and a transition button B6 for an insurance claim procedure from a WEB page. Here, the flow after the transition button B6 is touched will be described. When the transition button B6 is touched, the site moves to the site transmitted by the insurance company server 50 managed by the insurance company.

The insurance claim menu in the subscription insurance management system provided by the insurance company server 50 will be described below. The system provided by the insurance company server 50 differs from company to company, and is provided by a Web page or the like in which communication contents are encrypted. The insurance company server 50 causes the display screen of the terminal device 30 to display a menu screen M5 as shown in FIG. 7B, for example. The user touches a desired menu button (insurance/benefit claim button B7 in this case) from among a plurality of menus to activate the insurance/benefit claim function.

When the insurance/benefit claim button B7 is touched, an insurance/benefit claim form M6 as shown in FIG. 8(A) is activated. The site requires documents to be attached when claiming claims/benefits. The user touches the attached document button B8. When the Attached Documents button B8 is touched, an attached file selection screen M7 as shown in FIG. 8B is activated. The user touches the file reference button B10 to select the file to be sent, and touches the return to billing screen button B11. This returns to the insurance/benefit claim form M6 shown in FIG. 8A, so the user touches the claim application button B9. This completes the insurance claim.

Further, the insurance claim section 34 acquires from the insurance management server 10 the progress of the insurance claim procedure, which the insurance management server 10 has acquired from the insurance company server 50, and displays it on the display screen. The progress display section M9 (see FIG. 9) displayed on the display screen by the insurance claim section 34 will be described below. The progress display unit M9 receives, from the timing notification unit 33, a message indicating that it is the timing at which it is possible to receive the insurance money from the underwriting insurance company of the insurance product to which the self subscribes. (B)) is displayed below.

The progress display section M9 shown in FIG. 9 is used as an indicator so that the user can understand the state of the progress of the insurance claim procedure: application, acceptance, assessment, assessment completion, remittance in progress, and money received. Is displayed. More specifically, the insurance claims section 34 displays the progress by changing the color of the indicator according to the progress, as shown in FIGS. 10(A) to 10(F). That is, the insurance claims section 34 stores information corresponding to application, receipt, assessment, completion of assessment, remittance in progress, and receipt of money, which are managed by the server of each insurance company, as the progress of the insurance claim procedure. Acquire and display the progress by changing the color of the indicator according to the acquired information. This allows the user to visually grasp the progress of the insurance claim procedure.

Next, the effects of the insurance management server 10 will be described. According to the insurance management server 10 and the insurance management program of the above embodiment, the state of the user and the insurance product that the user subscribes to, which are specified based on the first information and the second information that can be acquired from the terminal device 30 , and the insurance product information acquired by the second acquiring unit 13, it is determined whether or not it is the timing at which the user in the current state may receive insurance money from the underwriting insurance company of the insurance product. there is Then, when the insurance management server 10 of the above-described embodiment determines that it is time to receive the insurance money, it outputs information to the terminal device 30 to notify that effect. Therefore, it is possible to notify the insured person that it is time to receive the insurance money from the underwriting company of the insurance product to which he/she has subscribed.

In the insurance management server 10 of the above-described embodiment, location information that can be easily obtained by the terminal device 30 is used as the first information. In this configuration, information effective for specifying the user's state is acquired from the terminal device 30 to acquire the user's state, so it is possible to improve the accuracy of specifying the user's state.

In the insurance management server 10 of the above embodiment, the specifying unit 12 specifies the user's state based on the location information and at least one of the length of stay and the number of visits to the location specified based on the location information. there is With this configuration, the user's state can be specified more accurately.

In the insurance management server 10 of the above embodiment, the first acquiring unit 11 acquires the image information of the insurance policy of the insurance product as the second information, the specifying unit 12 extracts the text information from the image information, and extracts the extracted text Based on the information, the insurance product that the user subscribes to is specified. With this configuration, it is possible to specify the insurance product to which the user subscribes by using the easily obtainable image information of the insurance policy. As a result, it is possible to reduce the user's time and effort for registering insurance information, and to provide services provided by the insurance management server through simple procedures.

In the insurance management server 10 of the above-described embodiment, based on the insurance products to which the user subscribes specified by the specifying unit 12, the insurance products to which the user has not subscribed are specified, and from among the specified unsubscribed insurance products, , to the terminal device 30, guide information of insurance products for which insurance money may be received for the user's condition specified by the specifying unit 12. FIG. With this configuration, it is possible to guide an insurance product for which the insurance money may be received if the user is in the current state. In addition, it is possible to guide the necessary insurance products for the user's condition from among the insurance products that the user has not subscribed to.

The insurance management server 10 of the above embodiment can transmit information for claiming insurance money to the insurance company server 50 . With this configuration, a one-stop service can be provided from the terminal device 30 because the user can make an insurance claim from the terminal device 30 carried by the user.

The insurance management server 10 of the above-described embodiment can acquire the progress of the procedure for claiming the insurance money and transmit it to the terminal device. With this configuration, the user can also check the progress of the insurance claim from the terminal device 30 carried by the user, so that a more complete one-stop service can be provided from the terminal device 30 .

Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and various modifications can be made without departing from the scope of the invention.

In the above-described embodiment, an example in which the user's state can be automatically acquired by the specifying unit 12 based on the positional information has been described, but the present invention is not limited to this. For example, in addition to the configuration of the insurance management server 10 of the above-described embodiment, an option transmission unit 16 may be provided that transmits to the terminal device 30 an option for inputting the user's state from the terminal device 30 . The option transmission unit 16 has a function of transmitting options for the user to select the user's state shown in FIG. 3 on the terminal device 30, for example. The option transmission unit 16 transmits, to the terminal device 30, options for selecting the states of, for example, disease, surgery, injury, accident, and childbirth.

The user activates the application of the terminal device 30 and selects and inputs disease, surgery, injury, accident, and childbirth from the user state input screen. This enables the first acquisition unit 11 to acquire one of the options selected by the user on the terminal device 30 as the first information. Note that the flow from acquisition of the first information to notification of the timing at which the user may receive the insurance money is the same as in the above-described embodiment, so description thereof will be omitted here. In the insurance management server 10 according to this modified example, it is possible to allow the user to select the user's status, so that the user's status can be obtained accurately. Note that the function of transmitting the user's state by the option transmitting unit 16 may be used in combination with the function of specifying the user's state by the specifying unit 12 .

1 insurance management system 10 insurance management server (insurance management device) 11 first acquisition unit 12 identification unit 13 second acquisition unit 14 determination unit 15 output unit 16 option transmission Section 17 Insurance claim section 18 Insurance guidance section 21 User management section 22 Insurance management section 30 Terminal device 31 Information acquisition section 32 Information transmission section 33 Timing notification section 34 Insurance claims department.

Claims (9)

An insurance management device provided to be communicable with a terminal device carried by a user,
a first acquisition unit that acquires first information specifying the state of the user from the terminal device and acquires second information specifying an insurance product that the user subscribes to;
a specifying unit that specifies the state of the user based on the first information and specifies an insurance product that the user subscribes based on the second information;
a second acquisition unit that acquires insurance product information stored in association with insurance products that may receive insurance money for each state of the user;
Based on the state of the user and the insurance product specified by the specifying unit, and the insurance product information acquired by the second acquisition unit, the user can receive insurance money from the underwriting insurance company of the insurance product. A determination unit that determines whether it is possible timing,
an output unit for outputting information to notify the terminal device of the fact when it is determined that it is the timing when there is a possibility of receiving the insurance money;
based on the insurance product to which the user subscribes specified by the specifying unit, an insurance product to which the user has not subscribed; and an insurance guide unit that transmits to the terminal device guide information about insurance products for which the insurance money may be received according to the user's condition. The insurance management apparatus according to claim 1, wherein said first acquisition unit acquires position information acquired by said terminal device as said first information. 3. The insurance management according to claim 2, wherein said specifying unit specifies said user's state based on said location information and at least one of a stay time and a number of visits to a location specified based on said location information. Device. further comprising an option transmission unit that transmits an option for inputting the user's state from the terminal device to the terminal device;
2. The insurance management apparatus according to claim 1, wherein said first acquisition unit acquires one of said options selected by said user on said terminal device as said first information. The first acquisition unit acquires image information of an insurance policy of the insurance product as the second information,
5. The insurance management apparatus according to any one of claims 1 to 4, wherein said specifying unit extracts text information from said image information and specifies an insurance product to which said user subscribes based on said extracted text information. Claims further comprising an insurance claims section that transmits the information for claiming insurance claims to a management server that is managed by an underwriting insurance company that sells the insurance products and that manages the contract status of the insurance products. 6. The insurance management device according to any one of 1 to 5 . 7. The insurance claim section according to claim 6 , wherein the information for claiming the insurance money is transmitted to the management server, and the progress of the procedure for claiming the insurance money is acquired and transmitted to the terminal device. insurance management device. A terminal program in a terminal device provided to be communicable with the insurance management device according to any one of claims 1 to 7 ,
to the terminal device,
an information acquisition process for acquiring the first information and the second information;
an information transmission process of transmitting the first information and the second information to the insurance management device;
A terminal program that realizes An insurance management program in an insurance management device provided to be communicable with a terminal device carried by a user,
In the computer that constitutes the insurance management device,
a first acquisition process of acquiring first information specifying the state of the user from the terminal device and acquiring second information specifying an insurance product subscribed by the user;
a specifying process of specifying the state of the user based on the first information and specifying an insurance product to which the user subscribes based on the second information;
a second acquisition process of acquiring insurance product information stored in association with insurance products from which insurance claims may be received for each state of the user;
Based on the state of the user and the insurance product specified in the specifying process, and the insurance product information acquired in the second acquisition process, the user can receive insurance money from the underwriting insurance company of the insurance product. A determination process for determining whether or not it is a timing with a possibility,
an output process for outputting information to notify the terminal device of the fact when it is determined that it is the timing when there is a possibility of receiving the insurance money;
Based on the insurance product to which the user subscribes specified by the specifying process, an insurance product that the user has not subscribed to is specified, and the specified insurance product that the user has not subscribed to is specified by the specifying process from among the specified unsubscribed insurance products. and insurance information processing for transmitting to the terminal device guidance information on insurance products from which the insurance money may be received for the state of the user.

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