JP7110505B1 - Insurance proposal system, insurance proposal device, insurance proposal method, and program - Google Patents

Abstract

An insurance proposal system that proposes appropriate insurance based on a user's payment behavior is provided. Kind Code: A1 In an insurance proposal device (400) of an insurance proposal system, a category acquisition unit (422), in response to electronic payment using a terminal device on which an application program is operated, determines whether the shop to which the electronic payment has been made belongs. Get category. The selection unit 423 selects the type of insurance to be proposed to the user who made the payment using the terminal device, based on the type of insurance associated with the category. The communication unit 424 notifies the application program of the proposed insurance information regarding the insurance of the selected insurance type. The application program that has received the notification causes the terminal device to display a screen prompting the purchase of insurance using the proposed insurance information. [Selection drawing] Fig. 2

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 based on information obtained from a user terminal is known (see Patent Document 1). A technology is known that proposes insurance products that can be contracted based on the user's genetic information (see Patent Document 2).

JP 2021-005151 A JP 2020-204791 A

However, in the conventional technology, it is not possible to propose an appropriate insurance based on a user's daily payment behavior such as purchase of goods or services.
The present invention has been made in consideration of such circumstances, and one of the objects thereof 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, wherein the insurance proposal device performs electronic payment using a terminal device on which the application program operates. a category acquisition unit that acquires the category to which the store where the electronic payment was made belongs, and the user who made the payment using the terminal device based on the type of insurance associated with the category. and a notification unit for notifying the application program of proposed insurance information related to insurance of the selected insurance type, wherein the application program receives the proposed insurance information. It is an insurance proposal system for displaying on the terminal device a screen for prompting the purchase of insurance by using the terminal device.

According to one aspect of the present invention, appropriate insurance can be proposed based on the user's payment behavior.

It is a figure which shows an example of a structure of the insurance proposal system 10. FIG. 4 is a diagram showing an example of a configuration of an insurance proposal device 400; FIG. 4 is a diagram showing an example of contents of store information 431. FIG. 4 is a diagram showing an example of contents of user information 432. FIG. 4 is a diagram showing an example of the contents of purchase history information 433. FIG. 4 is a diagram showing an example of contents of insurance information 434. FIG. 4 is a diagram showing an example of contents of insurance history information 435. FIG. FIG. 10 is a diagram showing a payment screen 110 displayed when payment is made using "payment method 2". FIG. 12 is a diagram showing a portal screen 120 of the insurance mini-app; FIG. 13 is a diagram showing a car insurance subscription screen 130. FIG. FIG. 11 shows a settlement completion screen 140; FIG. FIG. 10 is a sequence diagram showing an example of the flow of insurance proposal processing; FIG. 10 is a diagram showing a notification screen 150, which is an example of a screen prompting the purchase of insurance. FIG. 16 is a diagram showing a multiple proposal screen 160. FIG. It is a figure which shows the subscription screen 170 of golf insurance. 9 is a flowchart showing an example of the flow of selection notification processing;

Hereinafter, embodiments of an insurance proposal system and an insurance proposal device of the present invention will be described with reference to the drawings. The insurance offer device is implemented by one or more processors. An 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 used for electronic payment (hereinafter referred to as an "electronic payment application"). An app is an abbreviation for an application program. The insurance proposal device is a device that proposes insurance to the user in conjunction with the electronic settlement service. Insurance includes life insurance, non-life insurance, and other types of insurance. Examples of types of life insurance include medical insurance, death insurance, nursing care insurance, and the like. Insurance types of non-life insurance include, for example, 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 an insurance proposal system 10. As shown in FIG. Insurance proposal system 10 includes terminal device 100, store terminals 200-1, 200-2, 200-n (n is an integer equal to or greater than 1), payment device 300, insurance proposal device 400, and insurance reception devices 500-1, 500. -2, 500-m (where m is an integer greater than or equal to 1). In the following description, any one of the store terminals 200-1, 200-2, and 200-n will be referred to as the store terminal 200 unless they are distinguished from each other. Any one of the insurance reception devices 500-1, 500-2, and 500-m will be referred to as the insurance reception device 500 when they are not distinguished from each other.

Terminal device 100, store terminal 200, settlement device 300, insurance proposal device 400, and insurance reception device communicate via 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 smart phone, a personal computer, or a tablet terminal. In the terminal device 100, a processor such as a CPU (Central Processing Unit) executes an application program to receive the proposed insurance information from the insurance proposal device 400, and use the received proposed insurance information to display a screen prompting the purchase of insurance. Display on the terminal device 100 .

There are “settlement method 1” and “settlement method 2” as settlement methods using the terminal device 100 . In "payment method 1", information such as a store ID (identification information, hereinafter the same) encoded in a code image such as a QR code (registered trademark) installed in a store is transmitted to the terminal device 100 by the function of the electronic settlement application. Information such as the store ID, user ID, fee, date and time is uploaded to the settlement device 300 by reading by the device 100, and by the user inputting the fee into the terminal device 100, confirming it by the store, and confirming it. be done. The settlement device 300 deducts the fee from the balance information associated with the user ID and adds the fee to the balance information associated with the store ID, thereby completing the electronic payment. It should be noted that the electronic payment application activates the camera of the terminal device 100 when reading the code image, and ends the imaging by the camera when the frame image from which the encoded information can be read is captured. Since this mechanism is a well-known technique, detailed description is omitted.

In the "payment method 2", the terminal device 100 displays a code image such as a barcode in which information including the 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. reads information such as the user ID encoded in the bar code, and uploads information such as the shop ID, user ID, fee, date and time to the payment device 300 . The settlement device 300, similarly to "settlement method 1", deducts the fee from the balance information associated with the user ID and adds the fee to the balance information associated with the store ID. , complete the electronic payment. The adoption of these two settlement methods is merely an example, and any settlement method may be adopted in the application of the present invention.

The shop terminal 200 is provided, for example, in a shop where payment can be made using 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 allows payment using 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 settlement device 300 is an information processing device that provides electronic settlement services related to electronic settlement using the terminal device 100 and performs various settlements, and is realized by, for example, a server device or a cloud system. For example, the settlement device 300 manages the accounts of the sellers and purchasers to be traded, and realizes various settlements by transferring electronic money between accounts in accordance with settlement requests from users. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

The settlement apparatus 300 transfers the amount of electronic money indicated by the settlement amount from the user's account to the store's account in the electronic settlement. The settlement device 300 then transmits a notification to the effect that the settlement has been completed to the terminal device 100 . In such a case, the terminal device 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.
Payment device 300 also transmits payment information (store ID, user ID, fee, balance, and date) to insurance proposal device 400 in response to electronic payment.

The insurance proposal device 400 selects 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 purchase of insurance using the proposed insurance information.

Insurance acceptance device 500 accepts operations related to insurance from terminal device 100 (any operation related to insurance such as an operation to purchase insurance or an operation to browse introductions of insurance, hereinafter also referred to as “insurance-related operation”). The insurance acceptance device 500 is provided for each insurance company that accepts insurance.

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

Insurance proposal device 400 further includes 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 location acquisition unit 425 and a specific area acquisition unit 426 .

These components are implemented by executing a program (software) by a hardware processor such as a CPU (Central Processing Unit). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device. All the above components need not be implemented by a single 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 running the electronic payment application. The category acquisition unit 422 acquires the category to which the store at which the electronic payment is made belongs, in response to the electronic payment being made using the terminal device 100 on which the electronic payment application is running. The selection unit 423 selects insurance to be proposed to the user of the terminal device 100 based on the payment information. The selection unit 423 selects insurance to be proposed to the user who has made a 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 location acquisition unit 425 acquires location information of the location where the electronic payment was made. The specific area acquisition unit 426 acquires a specific area determined according to the contents of past electronic payments.

Insurance proposal device 400 further includes storage unit 430 . The storage unit 430 is implemented by, for example, an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 430 stores information such as store information 431, user information 432, purchase history information 433, insurance information 434, and insurance history information 435, for example. The details of these pieces of information will be explained in order. Storage unit 430 may not be a device attached to insurance proposal device 400, but may be a NAS (Network Attached Storage) accessible from insurance proposal device 400 via network NW or the like.

FIG. 3 is a diagram showing an example of the contents of store information 431. As shown in FIG. The store information 431 is, for example, information in which prefectures, municipalities, street addresses, facilities, categories, etc. are associated with store IDs. The store ID is identification information that uniquely identifies the store. The prefecture, municipality, and street address indicate the location information (address) of the store. Facility indicates the facility name of the store or the facility to which the store belongs. The categories are determined based on insurance required when purchasing products sold at the store or services provided at the store. Also, the categories are determined based on the insurance required when reserving the products sold at the store or the services provided at the store. 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 of store IDS001 shown in FIG. 3 is a service area. 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 of store IDS002 is a ski resort, but if any settlement is made at this store, such as purchasing or making a reservation for a drink or purchasing or making a reservation for a lift service, the ski insurance will be covered. The information is notified to the terminal device 100 as the proposed insurance information.

The facility of the store of the store IDS003 is a golf course. If, for example, you purchase or make a reservation for food, or purchase or make a reservation for a caddy service at this store, the ski insurance will be sent to the terminal device as the proposed insurance information. 100 is notified.

The facility of the store of the store IDS004 is baby goods, but if you purchase or make a reservation for children's clothes or purchase or make a reservation for a child-rearing course service at this store, the life insurance will be displayed as the proposed insurance information on the terminal. The device 100 is notified.

The facility of the store of the store IDS005 is an inn, but when purchasing or making a reservation for a meal at this store, or purchasing or making a reservation for a massage service, travel insurance is sent to the terminal device 100 as proposed insurance information. be notified.

The facility of the shop of the shop IDS006 is a cycling shop. When, for example, a bicycle is purchased or reserved, or a bicycle rental service is purchased or reserved at this shop, the bicycle insurance is displayed as the proposed insurance information on the terminal device. 100 is notified.

The facility of the store of store IDS007 is a beach house. , outdoor insurance (sea bathing insurance) is notified to the terminal device 100 as proposed insurance information.

FIG. 4 is a diagram showing an example of the contents of the user information 432. As shown in FIG. 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. A user ID is identification information that uniquely identifies a 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. Address indicates the address of the user. A specific area is an example of a specific area determined according to the details of past electronic payments. The specific area is, for example, an area that occupies a predetermined percentage (eg, 50%) of the areas in which the user has made electronic payments in the past year. In this embodiment, the area is defined as a unit of municipality. That is, the specific area is considered to be the user's living area. Note that if there are multiple areas that occupy a predetermined percentage, one user may be associated with multiple settlement locations. In areas such as metropolitan areas where people generally live across prefectures, the predetermined ratio may be set to be smaller, such as 30%, than in non-metropolitan areas.

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

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

FIG. 7 is a diagram showing an example of the content of the insurance history information 435. As shown in FIG. The insurance history information 435 is provided for each user who has used insurance in the past. For example, it is information in which the date of use of insurance, the insurance ID, and the like are associated with the user ID. The date of use of insurance 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, a 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 that is displayed when payment is made using the "payment method 2" described above. The above barcode is displayed on the payment screen 110 .

An insurance button 112 is displayed on this settlement screen 110 . As will be described later, the proposed insurance information is notified to the electronic payment application, but the insurance button 112 displayed here is controlled to be displayed 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 subscriptions. In this way, the user can start the insurance mini-app and perform insurance-related operations regardless of whether the proposed insurance information is notified or not.

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

An application capable of starting a mini-app, such as an electronic payment application, is also called a super-app. In general, a mini app is an app made by a third-party company that is different from the developer of the super app. The third party develops using an API (Application Programming Interface) for developing mini-apps provided by the side that develops and manages the super app. By using this API, mini-apps can be developed more easily, and mini-apps can display various screens with the same design as super-apps.
Mini-applications have the advantage that they do not need to be downloaded.

FIG. 9 is a diagram showing the portal screen 120 of the insurance mini-app. Buttons 121 corresponding to various insurances are displayed on the portal screen 120 . Although six buttons 121 are displayed in FIG. 9, for example, by scrolling horizontally, buttons corresponding to more insurance types can be displayed. When the user taps a button corresponding to automobile insurance among the buttons 121, for example, a screen for subscribing to automobile insurance is displayed.

FIG. 10 is a diagram showing a car insurance subscription screen 130. As shown in FIG. The insurance mini-app 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 entered. The user enters various information in the entry fields displayed by the insurance mini app. After that, when the user makes a payment, a payment completion screen is displayed. FIG. 11 is a diagram showing a settlement completion screen 140. As shown in FIG. 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 settlement 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, insurance-related operations can be performed by the electronic payment application by activating the insurance mini-application on the payment screen 110 shown in FIG. Next, insurance proposal processing in which insurance proposal device 400 proposes insurance to the user of terminal device 100 based on payment information will be described.

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

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

When settlement is completed, settlement device 300 transmits settlement information to insurance proposal device 400 (S7). 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 on 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, it causes the terminal device 100 to display a screen prompting the purchase of insurance using the proposed insurance information (S10). FIG. 13 is a diagram showing a notification screen 150, which is an example of a screen prompting the purchase of insurance. On the notification screen 150, "Recommended insurance is available" is displayed to prompt the user to take out insurance. This notification screen 150 is a screen capable of accepting a predetermined operation (tap operation, touch operation, etc.) by the user. Note that the screen for prompting the purchase of insurance may be any screen as long as it invites the user to the screen for accepting insurance-related operations.

When a tap by the user is detected (S11), the insurance mini-app starts (S12). When the insurance mini-app is activated, the insurance mini-app accesses the URL of the insurance reception device 500 and communicates with the insurance reception device 500, such as by displaying HTML content provided by the insurance reception device 500. FIG.

There are two types of screens displayed when the insurance mini-app is activated: one for one insurance proposed by the insurance proposal device 400, and the other for multiple insurances. When insurance proposal device 400 proposes only one insurance, the insurance mini-app does not display portal screen 120 shown in FIG. 130) is displayed.

On the other hand, when there are multiple insurances proposed by insurance proposal device 400, the insurance mini-app displays a multiple proposal screen. FIG. 14 is a diagram showing a multiple proposal screen 160. As shown in FIG. A multiple proposal screen 160 shown in FIG. 14 shows, as an example, a screen displayed when the insurances proposed by the insurance proposal device 400 are automobile insurance and golf insurance. Multiple proposal screen 160 shows insurance types proposed by insurance proposal device 400 . Also, the color of the button corresponding to the insurance type proposed by the insurance proposal device 400 is changed to make it stand out. When the user taps a button corresponding to golf insurance on the multiple proposal screen 160, a golf insurance subscription screen is displayed.

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

Insurance proposal device 400 refers to the amount of insurance indicated in insurance information 434 and selects insurance according to the balance that can be settled using terminal device 100 . Also, the insurance proposal device 400 refers to the insurance history information 435 and selects insurance according to the insurance used by the user in the past. For example, the insurance proposal device 400 selects the golf insurance B when the insurance premium payable with the balance is the golf insurance B, or when the user has used the golf insurance B in the past.

Even when a plurality of insurances are proposed by the insurance proposal device 400, when the user performs a predetermined operation on the notification screen 150, the multiple proposal screen 160 shown in FIG. 14 is not displayed. , any of the proposed insurance purchase screens, such as golf insurance purchase screen 170 of FIG.

FIG. 16 is a flow chart showing an example of the flow of selection notification processing performed by insurance proposal device 400 . The payment information acquisition unit 421 acquires payment information (S11). The store location acquisition unit 425 acquires the location information of the location where the electronic payment was made 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 content of past electronic payments from the user information 432 (S13).

The notification unit 424 determines whether the location information is included in the specific area (S14). When the location information is included in the specific area, it is considered that the user does not travel or go on business trips because the user is making payments in the living area. Conversely, if the location information is not included in the specific area, the user is considered to be traveling or on a business trip because the payment is made in an area outside the living area.

If the location information is included in the specific area, the process proceeds to S19. If the location information is not included in the specific area, the selection unit 423 determines whether or not the store where the payment was made is related to the expressway (S15). Here, whether the facility is expressway-related or not is determined by referring to the address of the store information 431 by the selection unit 423 and determining whether the facility to which the place where the electronic payment was made belongs is within the expressway, such as a service area or a parking area. judge. Alternatively, the selection unit 423 refers to the facility in the store information 431 and determines whether or not there is an expressway near the store where the payment was made. If the store where the payment was made is not related to the expressway, the process proceeds to S17. If the store that made the payment is related to highways, 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 railways (S17). Here, the selection unit 423 refers to the facilities in the store information 431 to determine whether or not the information is related to railways, based on whether the facility to which the place where the electronic payment was made belongs is a facility such as a station. Alternatively, the selection unit 423 refers to the address of the store information 431 and determines whether or not there is a station near the store where the payment was made. If the store where the payment was made is not related to railways, the process proceeds to S19. If the store that made the payment is related to railways, 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 was made belongs.

The selection unit 423 determines whether or not the user has paid for the travel reservation (S19). The selection unit 423 refers to the facility of the store information 431 and determines whether the store is a travel agency or not to determine whether or not the travel reservation has been settled. If the user has not made payment for the travel reservation, the process proceeds to S21. When the user has settled the travel reservation, the selection unit 423 selects cancellation insurance (S20).

The category acquisition unit 422 acquires the category 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 uses the balance included in the payment information, the insurance information 434, and the insurance history information 435 to select recommended insurance from the selected insurance (S23). In this manner, the selection unit 423 selects insurance to be proposed to the user according to the balance that can be settled using the terminal device 100 . Moreover, the selection unit 423 selects 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 suggested insurance information includes the insurance ID of the recommended insurance.

Through the processing described above, the insurance proposal system 10 can propose appropriate insurance based on the user's payment behavior.

To explain it concretely, payment behavior is carried out on a daily basis both within the user's living area and outside the living area, such as when traveling. Easy to judge. In addition, since goods and services subject to payment are often covered by some kind of insurance, by classifying the stores where electronic payments are made into categories, it is possible to We can suggest appropriate insurance.

As described above, categories are determined based on the insurance required when purchasing products sold at the store or services provided at the store. Also, the categories are determined based on the insurance required when reserving the products sold at the store or the services provided at the store. Therefore, the categories described above are only examples.

The present embodiment may be applied when settlement other than purchase of goods or reservation of services is performed. 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 travel insurance may be proposed.

Also, instead of proposing insurance for each electronic payment, insurance may be proposed based on electronic payments 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 payment history for a certain period of time, and savings insurance may be proposed.

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

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope 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 purchase History information 434 Insurance information 435 Insurance history information 500, 500-1, 500-2, 500-m Insurance acceptance device

Claims (15)

An insurance proposal system including an insurance proposal device and an application program used for electronic payment,
The insurance proposal device
a category acquiring unit that acquires, in response to electronic payment using a terminal device running the application program, a category to which the store for which the electronic payment was made belongs;
a selection unit that selects a type of insurance to be proposed to a user who has made a payment using the terminal device, based on the type of insurance associated with the category;
a notification unit that notifies the application program of proposed insurance information regarding insurance of the selected insurance type;
The application program causes the terminal device to display a screen prompting the purchase of insurance using the proposed insurance information.
Insurance Proposal System. The selection unit executes one or more of (1) to (5),
In (1) above, when the category of the store where the payment is made is a category related to vehicles, the insurance related to the vehicle is selected based on the type of insurance associated with the category,
In (2) above, when the category of the store where the payment is made is a category related to skiing, skiing insurance is selected based on the type of insurance associated with the category,
The above (3) is to select golf-related insurance based on the type of insurance associated with the category when the category of the store where the payment is made is a category related to golf,
In (4) above, when the category of the store where the payment is made is a category related to the sea, the sea insurance is selected based on the type of insurance associated with the category,
In (5) above, when the category of the store where the payment is made is a category related to travel, insurance related to travel is selected based on the type of insurance associated with the category.
The insurance proposal system according to claim 1. An insurance proposal system including 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 method 1 or method 2,
In method 1, the payment device obtains from the application program the identification information of the store obtained from the image obtained by the application program, the amount related to the payment, and the identification information of the user of the application program. , a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount related to the payment, and the identification information of the store,
Method 2 is that the payment device acquires the identification information of the store, the amount of money related to the payment, and the identification information of the user of the application program from the store terminal device of the store, and the acquired user's A method of making a payment based on balance information associated with identification information, an amount related to the payment, and the identification information of the shop, wherein the shop terminal device is installed with the application program. A method of reading code information in which the user's identification information displayed on the terminal device is encoded and acquiring the user's identification information,
The insurance proposal device
Acquiring the identification information of the shop where the electronic payment is made from the payment device in response to the electronic payment using the terminal device on which the application program is operated, and using the acquired identification information of the shop a category acquisition unit that acquires the category to which the store belongs, based on
a selection unit that selects insurance to be proposed to a user who has made a payment using the terminal device based on the category;
a notification unit that notifies the application program of proposed insurance information related to the selected insurance;
The application program causes the terminal device to display a screen prompting the purchase of insurance using the proposed insurance information.
Insurance Proposal System. In response to electronic payment using a terminal device running the application program, the category acquisition unit further obtains payment information related to the electronic payment, including the balance information after the electronic payment, from the payment device. Acquired,
The selection unit selects insurance to be proposed to the user of the terminal device based on the category and the balance information after the electronic payment included in the payment information.
The insurance proposal system according to claim 3. The application program is
Upon detecting a predetermined operation of the user on the screen prompting the purchase of insurance using the proposed insurance information, launching another application program for accepting the purchase of insurance;
The insurance proposal system according to any one of claims 1 to 4. The categories are defined based on the insurance required when purchasing products sold at the store or services provided at the store,
The insurance proposal system according to any one of claims 1 to 5. The categories are defined based on the insurance required when reserving products sold at the store, or the insurance required when reserving services provided at the store.
An insurance proposal system according to any one of claims 1 to 6. The selection unit selects insurance to be proposed to the user according to a balance that can be settled using the terminal device.
An insurance proposal system according to any one of claims 1 to 7. The selection unit selects the insurance to be proposed to the user according to the insurance that the user has used in the past.
An insurance proposal system according to any one of claims 1 to 8. a category acquisition unit for acquiring, in response to electronic payment using a terminal device running an application program used for electronic payment, the category to which the store where the electronic payment is made belongs;
a selection unit that selects a type of insurance to be proposed to a user who has made a payment using the terminal device, based on the type of insurance associated with the category;
a notification unit that notifies the application program of proposed insurance information regarding insurance of the selected insurance type;
The application program causes the terminal device to display a screen prompting the purchase of insurance using the proposed insurance information.
Insurance proposal device. In response to electronic payment using a terminal device that operates an application program, the identification information of the store where the electronic payment was made is acquired from the payment device, and based on the acquired identification information of the store, the above-mentioned a category acquisition unit that acquires the category to which the store belongs;
a selection unit that selects insurance to be proposed to a user who has made a payment using the terminal device based on the category;
a notification unit that notifies the application program of proposed insurance information related to the selected insurance;
The category acquisition unit acquires identification information of the store from the payment device that performs the electronic payment in cooperation with the application program by method 1 or method 2,
In method 1, the payment device obtains from the application program the identification information of the store obtained from the image obtained by the application program, the amount related to the payment, and the identification information of the user of the application program. , a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount related to the payment, and the identification information of the store,
Method 2 is that the payment device acquires the identification information of the store, the amount of money related to the payment, and the identification information of the user of the application program from the store terminal device of the store, and the acquired user's A method of making a payment based on balance information associated with identification information, an amount related to the payment, and the identification information of the shop, wherein the shop terminal device is installed with the application program. A method of reading code information in which the user's identification information displayed on the terminal device is encoded and acquiring the user's identification information,
Insurance proposal device. the computer
Acquiring the category to which the store where the electronic payment is made belongs, in response to electronic payment using a terminal device running an application program used for electronic payment,
selecting the type of insurance to be proposed to the user who made the payment using the terminal device based on the type of insurance associated with the category;
Notifying the application program of the proposed insurance information regarding insurance of the selected insurance type and displaying it on the terminal device;
Insurance Proposal Method. The application program performs electronic payment in cooperation with the payment device by method 1 or method 2,
In method 1, the payment device obtains from the application program the identification information of the store obtained from the image obtained by the application program, the amount related to the payment, and the identification information of the user of the application program. , a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount related to the payment, and the identification information of the store,
Method 2 is that the payment device acquires the identification information of the store, the amount of money related to the payment, and the identification information of the user of the application program from the store terminal device of the store, and the acquired user's A method of making a payment based on balance information associated with identification information, an amount related to the payment, and the identification information of the shop, wherein the shop terminal device is installed with the application program. a method of acquiring the user's identification information by reading the code information in which the user's identification information displayed on the terminal device is encoded,
the computer
Acquiring the identification information of the shop where the electronic payment is made from the payment device in response to the electronic payment using the terminal device on which the application program is operated, and using the acquired identification information of the shop Based on, obtain the category to which the store belongs,
Based on the category, select insurance to be proposed to the user who made the payment using the terminal device,
Notifying the application program of the proposed insurance information related to the selected insurance and displaying it on the terminal device;
Insurance Proposal Method. causing a computer to obtain a category to which the store where the electronic payment is made belongs, in response to the electronic payment being made using a terminal device running an application program;
causing the user who made the payment using the terminal device to select the type of insurance to be proposed based on the type of insurance associated with the category;
Notifying the application program of the proposed insurance information regarding insurance of the selected insurance type and displaying it on the terminal device;
program. to the computer,
In response to electronic payment using a terminal device running an application program used for electronic payment by method 1 or method 2, the identification information of the store where the electronic payment was made is acquired from the payment device, and acquired. a process of acquiring a category to which the store belongs based on the identification information of the store;
Based on the category, a process for selecting an insurance to be proposed to the user who made the payment using the terminal device;
a process of notifying the application program of proposed insurance information regarding the selected insurance;
In method 1, the payment device obtains from the application program the identification information of the store obtained from the image obtained by the application program, the amount related to the payment, and the identification information of the user of the application program. , a method of making a payment based on the balance information associated with the acquired identification information of the user, the amount related to the payment, and the identification information of the store,
Method 2 is that the payment device acquires the identification information of the store, the amount of money related to the payment, and the identification information of the user of the application program from the store terminal device of the store, and the acquired user's A method of making a payment based on balance information associated with identification information, an amount related to the payment, and the identification information of the shop, wherein the shop terminal device is installed with the application program. A method of acquiring the user's identification information by reading the code information in which the user's identification information displayed on the terminal device is encoded,
program.

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