Insurance service providing system, method, and program

Abstract

To provide an insurance service provision system, method and program that alleviate an insurance product selecting burden on affiliated stores, and that provide settlement data or the like of the affiliated stores to insurance companies so as to provide insurance services based on the settlement data or the like.SOLUTION: An insurance service providing system comprises an auxiliary storage section including a providing section and a notifying section. In response to acquisition of consent information regarding provision of settlement data or the like from a first terminal to a second terminal, the providing section provides the settlement data or the like to the second terminal. The notifying section notifies the first terminal of information related to insurance products generated by the second terminal based on the provided settlement data.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a system, method, and program for providing insurance services. [Background technology]

[0002] There is known a technique that enables an individual user to easily obtain an estimate for an insurance policy (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2009-238151 A Summary of the Invention [Problem to be solved by the invention]

[0004] When credit card member stores (hereinafter referred to as member stores) consider corporate insurance products, they need to provide information about their companies. However, since there are large differences in the content of each insurance, it is not easy for member stores to compare insurance policies. In addition, insurance premiums are calculated based on past information such as the size of the business and the number of employees, making it difficult for member stores to determine whether the insurance content is appropriate for their current and future business situations. Furthermore, since member stores cannot provide real-time information to insurance companies, the range of proposals made by insurance companies is narrow and lacks flexibility. In other words, it is difficult for member stores to select and be provided with insurance products that are suited to their business situations, which makes it difficult for them to properly understand risks.

[0005] The present invention has been made in consideration of such problems, and aims to provide technology that reduces the burden on affiliated stores when selecting insurance products, provides affiliated stores with payment and other data to insurance companies, and provides insurance services based on the payment and other data. [Means for solving the problem]

[0006] An insurance service provision system that is one embodiment of the present invention comprises a providing means for providing payment etc. data from a first terminal to a second terminal, which provides the payment etc. data to the second terminal in response to obtaining consent information regarding the provision of the payment etc. data from the first terminal to the second terminal, and a notification means for notifying the first terminal of information regarding an insurance product generated by the second terminal based on the provided payment etc. data. Effect of the Invention

[0007] According to the present invention, it is possible to reduce the burden on the member store in selecting insurance products, and to provide the member store's settlement data, etc. to the insurance company, thereby enabling the provision of insurance services based on the settlement data, etc. [Brief description of the drawings]

[0008] A more detailed understanding of the embodiments disclosed herein can be had from the following description, taken in conjunction with the accompanying drawings, in which: [Figure 1] 1 is a configuration diagram of an entire system including an insurance service providing system, an affiliated store terminal, a payment terminal, and an insurance company terminal according to an embodiment of the present invention. [Diagram 2] 1 is a system configuration diagram of an insurance service providing system according to an embodiment of the present invention. [Diagram 3] FIG. 2 is a diagram showing an example of a data structure of a business operator according to an embodiment of the present invention. [Figure 4] FIG. 2 is a diagram showing an example of a data structure of payment data according to an embodiment of the present invention. [Diagram 5] FIG. 2 is a diagram showing an example of a data structure of an insurance company according to an embodiment of the present invention. [Figure 6] FIG. 1 is a diagram showing an example of insurance according to an embodiment of the present invention. [Figure 7] FIG. 4 is a flow diagram illustrating an example of an insurance service provision process according to an embodiment of the present invention. [Figure 8] FIG. 2 is a flow diagram illustrating an example of insurance service contract processing according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] (Overall composition) Fig. 1 is a configuration diagram of an entire system including an insurance service providing system 10, an affiliated store terminal 11, a payment terminal 12, and an insurance company terminal 13 according to an embodiment of the present invention. The insurance service providing system 10 is connected to the affiliated store terminal 11 and the insurance company terminal 13 so that they can communicate with each other. The insurance service providing system 10 is further connected to the payment terminal 12 so that they can communicate with each other. Although only one each of the insurance service providing system 10, affiliated store terminal 11, payment terminal 12, and insurance company terminal 13 are shown in Fig. 1, there may be a plurality of them.

[0010] The insurance service providing system 10 acquires consent information from the affiliated store terminal 11 regarding the provision of settlement data, etc. to the insurance company terminal 13. Payment and other data refers to data including at least one of business operator information, payment data, and payment terminal data. Payment and other data may indicate, for example, business operator information, or business operator information and payment data, or payment data and payment terminal data. Business operator information refers to information about affiliated stores. Payment data refers to data related to payment. Payment terminal data refers to data of the payment terminal 12 itself (for example, camera data, etc., if payment terminal 12 is equipped with a camera). The insurance service providing system 10 acquires payment and other data from the affiliated store terminal 11. The insurance service providing system 10 may also acquire payment and other data from the payment terminal 12. In response to acquiring the consent information from the member store terminal 11, the insurance service providing system 10 provides the payment and other data to the insurance company terminal 13. The insurance service providing system 10 acquires information about insurance products from the insurance company terminal 13 and notifies the affiliated store terminal 11. The information about insurance products is generated on the insurance company terminal 13 side based on the settlement data and the like provided to the insurance company terminal 13. The information about insurance products will be described in detail later.

[0011] The affiliated store terminal 11 transmits payment data and consent information regarding the provision of the payment data to the insurance company terminal 13 to the insurance service providing system 10. The affiliated store terminal 11 receives notifications of information regarding insurance products from the insurance service providing system 10. The affiliated store terminal 11 exchanges various information with the insurance service providing system 10.

[0012] The payment terminal 12 transmits payment data and payment terminal data to the insurance service providing system 10. The payment terminal 12 is not limited as long as it has a payment function. For example, an application capable of executing a predetermined function (e.g., an advertising function) may be downloaded to the payment terminal 12.

[0013] The insurance company terminal 13 generates information about the insurance product based on the settlement data and the like provided by the insurance service providing system 10. The insurance company terminal 13 transmits the generated information about the insurance product to the insurance service providing system 10.

[0014] The affiliated store terminal 11 and the insurance company terminal 13 can be, for example, a computer equipped with a communication function, such as a personal computer (PC) or a tablet terminal, but are not limited to any particular device.

[0015] (System Configuration) FIG. 2 is a system configuration diagram of the insurance service providing system 10 according to the embodiment of the present invention. As shown in FIG. 2, the insurance service providing system 10 includes a control unit 101, a main memory unit 102, an auxiliary memory unit 103, an interface (IF) unit 104, and an output unit 105, which are connected to each other by a bus 120 or the like, like a general computer. The auxiliary memory unit 103 includes a program storage area for storing a program that implements each function of the insurance service providing system 10, and a data storage area for storing data handled by the program. The data storage area includes a business operator 106, payment data 107, and an insurance company 108 in the form of a file / database or the like. The program storage area includes a provision unit 109, a notification unit 110, a screen generation unit 111, and a contract unit 112.

[0016] The control unit 101, also called a central processing unit (CPU), controls each component of the insurance service providing system 10 and performs data calculations, and also reads out various programs stored in the auxiliary storage unit 103 into the main storage unit 102 and executes them. The main storage unit 102, also called a main memory, stores various received data, computer-executable instructions, and data after calculation processing according to the instructions. The auxiliary storage unit 103 is a storage device typified by a hard disk drive (HDD) and is used for long-term storage of data and programs.

[0017] 2 describes an embodiment in which the control unit 101, the main memory unit 102, and the auxiliary memory unit 103 are provided inside the same computer, but as another embodiment, the insurance service providing system 10 can be configured to realize parallel distributed processing by a plurality of computers by using a plurality of control units 101, main memory units 102, and auxiliary memory units 103. Also, as another embodiment, it is possible to provide an embodiment in which a plurality of servers are installed for the insurance service providing system 10, and the plurality of servers share a single auxiliary memory unit 103.

[0018] The IF unit 104 plays the role of an interface when transmitting and receiving data to and from other systems and devices, and also provides an interface for receiving various commands and input data (various masters, tables, etc.) from a system operator. The output unit 105 provides a display screen for displaying processed data and a printing means for printing the data.

[0019] The business operator 106 stores information on affiliated stores (business operators) that have applied for the service (hereinafter, referred to as the present service) provided by the insurance service providing system 10 according to the present invention. The business operator 106 may store consent information regarding the provision of settlement data, etc. to the insurance company terminal 13. It is assumed that the affiliated store has registered in advance to use this service. When registering, the affiliated store transmits business information from the affiliated store terminal 11 to the insurance service providing system 10. If there is a change in the business information, for example, new information may be input by a person in charge into the affiliated store terminal 11 and transmitted from the affiliated store terminal 11 to the insurance service providing system 10. When new information is transmitted, the old information is overwritten with the new information. The insurance service providing system 10 may perform an update process to check for any changes to the business 106 at predetermined intervals (for example, every three months).

[0020] 3 is a diagram showing an example of the data structure of the business operator 106 according to the embodiment of the present invention. The business operator 106 can include a business operator ID 301, which is an identifier for identifying the business operator, a name 302, an address 303, a business type 304, a number of stores 305, a number of employees 306, a business scale 307, an establishment 308, a financial statement-related item 309, and a person in charge 310, but is not limited to these data items and can also include other data items.

[0021] Payment data 107 stores payment data or payment terminal data transmitted from payment terminal 12. A business ID 301 is added to the payment data and payment terminal data. Examples of payment terminal data include camera data of payment terminal 12. If a specific application has been downloaded to payment terminal 12, payment data 107 may store data related to the application.

[0022] 4 is a diagram showing an example of the data structure of the payment data 107 according to the embodiment of the present invention. The payment data 107 may include a business ID 301, a sales amount and number of cases 401, an authorized amount and number of cases 402, a number of unauthorised cases and amount 403, and a returned amount and number of returned cases 404, but is not limited to these data items and may include other data items.

[0023] Insurance company 108 stores information about insurance companies that provide insurance products to affiliated stores and about insurance products generated by insurance companies. Information about insurance products may include, for example, insurance products, estimates, insurance policy numbers, and, if the insurance premium has been changed, the changed insurance premium. Note that insurance companies, like affiliated stores, are assumed to have registered in advance to use this service.

[0024] 5 is a diagram showing an example of a data structure of the insurance company 108 according to the embodiment of the present invention. The insurance company 108 can include an insurance company ID 501, which is an identifier for identifying the insurance company, an insurance product 502, a quote 503, an insurance policy number 504, and a revised insurance premium 505, but is not limited to these data items and can also include other data items.

[0025] 6 is a diagram showing an example of insurance according to an embodiment of the present invention. An insurance product for insurance as shown in FIG. 6 is provided to a member store. For example, assume that the insurance service providing system 10 acquires consent information from the affiliated store terminal 11 regarding the provision of business information (payment and other data) to the insurance company terminal 13. Based on the provided business information, the insurance company picks out insurance and its insurance product that is likely to match the affiliated store based on the business information, for example, from insurance 1 to 12 shown in Fig. 6. The insurance company terminal 13 then transmits the picked-up insurance product to the insurance service providing system 10, and then notifies the affiliated store terminal 11 by the notification unit 110 described below. Also, for example, it is assumed that the insurance service providing system 10 acquires consent information from the affiliated store terminal 11 regarding the provision of business information and settlement data to the insurance company terminal 13. Based on the provided information, the insurance company picks out insurance and insurance products that are likely to match the affiliated store based on the provided data, for example, from insurances 13 to 28 shown in FIG. 6. For example, based on settlement data with a large amount of returned goods and number of returned goods, "13. Product / service return risk insurance" that guarantees the disposal cost of the portion that exceeds a certain amount calculated from the average amount of returned goods and the return rate and its insurance product may be picked out. Then, the insurance product picked up from the insurance company terminal 13 is transmitted to the insurance service providing system 10, and then notified to the affiliated store terminal 11 by the notification unit 110 described later.

[0026] The providing unit 109 provides payment and other data from the member store terminal 11 or the payment terminal 12 to the insurance company terminal 13. As a prerequisite for the providing unit 109 to provide the payment and other data to the insurance company terminal 13, the insurance service providing system 10 acquires consent information regarding the provision of the payment and other data to the insurance company terminal 13 from the affiliated store terminal 11. The acquired consent information may be stored in the business operator 106. The providing unit 109 searches for whether the consent information exists among the business operator 106, for example, using the business operator ID 301 corresponding to the affiliated store terminal 11 that transmitted the consent information as a key. The providing unit 109 provides the payment etc. data to the insurance company terminal 13 after identifying that the consent information exists among the business operator 106, that is, that the consent information has been acquired. In addition, the affiliated store can select which information of the affiliated store to provide to the insurance company. Therefore, the insurance service providing system 10 may obtain consent information for providing only the business information, consent information for providing the business information and the payment data, or consent information for providing the business information, the payment data, and the payment terminal data.

[0027] An example in which the providing unit 109 provides settlement data etc. to the insurance company terminal 13 will be described. The providing unit 109 first checks whether or not consent information exists in the business operator 106 . When the consent information is related to the provision of business information, the providing unit 109 reads, for example, business type 304, number of stores 305, number of employees 306, business scale 307, establishment 308, and financial statement related information 309 from the business 106, as shown in Fig. 3. Then, the providing unit 109 provides the read business information to the insurance company terminal 13. If the consent information is related to the provision of payment data and payment terminal data, providing unit 109 reads out the payment data and payment terminal data from payment data 107 (because business operator ID 301 is added to the payment data or payment terminal data, it is possible to check whether consent information has been acquired using this as a key). The payment data and payment terminal data are stored in payment data 107. Then, providing unit 109 provides the read payment data and payment terminal data to insurance company terminal 13.

[0028] The providing unit 109 may execute a predetermined process on the payment data, etc. For example, when the payment data and the payment terminal data are acquired by the insurance service providing system 10, the providing unit 109 may aggregate these data for a predetermined period. For example, the providing unit 109 aggregates the sales amount (which may include details) and the number of cases for a three-month period, summarizes the data, and stores it in the payment data 107. When the providing unit 109 identifies the consent information in the business operator 106 as described above, it reads out the summarized data from the payment data 107 and provides it to the insurance company terminal 13.

[0029] The providing unit 109 may also provide the changed payment etc. data to the insurance company terminal 13 every time information regarding a change in the payment etc. data is acquired. For example, suppose there is a change in the business information of an affiliated store (e.g., a change in business scale 307). In this case, a person in charge at the affiliated store inputs the information into the affiliated store terminal 11. The input new information, i.e., information regarding the change in the business information, is transmitted from the affiliated store terminal 11 to the insurance service provision system 10 and acquired. Alternatively, the changed business information is acquired during an update process performed by the insurance service provision system 10 at predetermined intervals (e.g., every three months). It is assumed that consent information regarding the provision of the business information has been acquired. When the insurance service providing system 10 acquires information regarding changes in the business information, the providing unit 109 provides the changed business information to the insurance company terminal 13 each time. The providing unit 109 may also provide the payment data and the payment terminal data to the insurance company terminal 13 whenever they are changed. The payment data and the payment terminal data "change (become changed)" over time. For this reason, for example, summarized data for each predetermined period may be provided to the insurance company terminal 13 by the providing unit 109.

[0030] The notification unit 110 notifies the affiliated store terminal 11 of information about the insurance product generated by the insurance company terminal 13 based on the settlement data etc. provided to the insurance company terminal 13. An example will be described in which the notification unit 110 notifies the member store terminal 11 of information regarding an insurance product. Here, the information regarding the insurance product will be described as the insurance product itself. The insurance service providing system 10 acquires an insurance product generated by the insurance company terminal 13 using a predetermined algorithm from the insurance company terminal 13. The acquired insurance product (for example, the insurance product of "13. Product / Service Return Risk Insurance" mentioned above) is stored in the insurance company 108. The insurance product transmitted from the insurance company terminal 13 has an insurance company ID 501 added to it. The notification unit 110 reads out the insurance product with the insurance company ID 501 corresponding to the insurance company terminal 13 that transmitted the insurance product from the insurance company 108, and notifies the affiliated store terminal 11 of this.

[0031] The notification unit 110 can notify information about the insurance product by causing the member store terminal 11 to display a screen generated by the screen generation unit 111. For ease of understanding, a description will now be given of screen generation unit 111. Screen generation unit 111 generates a screen including information on insurance products that allows a user to respond to the information on insurance products. An example of how the screen generator 111 generates a screen will be described. First, screen generation unit 111 reads out, from insurance company 108, the insurance product of insurance company ID 501 corresponding to insurance company terminal 13 that transmitted the insurance product. Next, screen generation unit 111 generates a screen for the read-out insurance products that allows a user (e.g., an affiliated store staff member) to compare insurance products, for example, in order of widest coverage (i.e., a screen that provokes the user to respond to the insurance products). Screen generation unit 111 may add the business ID 301 of the affiliated store to be notified to the screen. Then, screen generation unit 111 passes the generated screen to notification unit 110. The notification unit 110 identifies the business operator ID 301 added to the screen delivered from the screen generation unit 111, and causes the affiliated store terminal 11 corresponding to the business operator ID 301 to display the screen generated by the screen generation unit 111. In this manner, the notification unit 110 notifies the affiliated store terminal 11 of the insurance product.

[0032] The notification unit 110 may also notify the affiliated store terminal 11 of information regarding the insurance product generated by the insurance company terminal 13 based on the changed payment and other data. An example will be described. For example, the insurance service providing system 10 acquires information regarding a change in the business scale 307 of the affiliated store. Here, it is assumed that the information regarding the change is information regarding an expansion of the business scale. The insurance company terminal 13 generates information regarding the changed insurance premium, for example, based on the information of the expansion of the business scale provided by the providing unit 109, and transmits the information to the insurance service providing system 10. The changed insurance premium is stored in the insurance company 108. The notifying unit 110 reads it from the insurance company 108 in the same manner as described above, and notifies the affiliated store terminal 11. In this way, new information about insurance products is generated on the insurance company terminal 13 side based on the changed settlement data, etc., and is notified to the affiliated store. Therefore, the affiliated store can obtain information about insurance products, such as insurance premiums, that is suited to the actual business situation.

[0033] The contract unit 112 can execute processing related to the contract for the insurance product based on information about the insurance product generated by the insurance company terminal 13. A specific example will be described below. In the following example, it is assumed that the contract unit 112 executes contract processing in cooperation with other functional units (for example, the notification unit 110).

[0034] When a user who has checked the screen displayed by the notification unit 110 wishes to request a quote (i.e., to respond to the notified insurance product), the quote request is sent from the affiliated store terminal 11 to the insurance service providing system 10. The screen displayed by the notification unit 110 may also include access information (e.g., a URL) of the insurance company that provides the insurance product. This allows the user to directly request a quote from the insurance company. The quotation request may include, for example, quotation conditions in addition to the insurance product to be quoted. Since the insurance product is assigned an insurance company ID 501, the contract unit 112 identifies the insurance company terminal 13 corresponding to the insurance company ID 501. After identifying the insurance company terminal 13 to which the quotation request is to be sent, the contract unit 112 sends the quotation request to the insurance company terminal 13, to which, for example, information on the quotation conditions is added.

[0035] The insurance company terminal 13 that receives the quotation request from the contract unit 112 generates information about the insurance product, here a quotation for the insurance product, using a predetermined algorithm. The quotation includes the insurance company ID 501. The insurance service providing system 10 obtains the quotation from the insurance company terminal 13 and stores it in the insurance company 108. The screen generation unit 111 reads out from the insurance company 108 the quotation of the insurance company ID 501 corresponding to the insurance company terminal 13 that sent the quotation. The screen generation unit 111 generates a screen for the read out quotation that allows the user to compare the quotation, for example, in order of lowest insurance premium. The screen generation unit 111 then passes the generated screen to the notification unit 110. The notification unit 110 notifies the member store terminal 11 of the quotation by displaying the screen generated by the screen generation unit 111 on the member store terminal 11. If it takes time for the insurance company terminal 13 to generate a quote, the insurance service providing system 10 may receive that information from the insurance company terminal 13 and notify the affiliated store terminal 11 of that information first. After the insurance company terminal 13 finishes generating such a quote, the notification unit 110 may obtain the quote and notify the affiliated store terminal 11 of the generated quote in the form of, for example, an email to the affiliated store terminal 11.

[0036] When the user compares the quotations and wishes to make a contract for an insurance product, application information is sent from the affiliated store terminal 11 to the insurance service providing system 10. The application information includes the target insurance product, information to the effect that an application is being made for the insurance product, as well as information for causing the user to make a payment (e.g., information requesting prepayment) or information for allowing the user to select a payment method (e.g., bank transfer, offset against sales amount, etc.). Here, an example is described in which information for causing the user to make a prepayment is included. The contract unit 112 transmits transfer request information to the user's payment source, for example, a bank terminal (not shown). The contract unit 112 transmits information to make an application to the insurance company terminal 13 corresponding to the insurance company ID 501 attached to the insurance product included in the application information. After the transfer process is performed by the bank terminal and the insurance company terminal 13 confirms the transfer, the insurance company terminal 13 transmits the insurance policy number to the insurance service providing system 10. The insurance company ID 501 is attached to the insurance policy number. The insurance policy number is stored in the insurance company 108. The notification unit 110 reads out the insurance policy number of the insurance company ID 501 corresponding to the insurance company terminal 13 that transmitted the insurance policy number from the insurance company 108, and notifies the affiliated store terminal 11 of this. The notification unit 110 may notify the user of access information (e.g., a URL) of the insurance company that issued the insurance policy number together with the insurance policy number. By providing this access information, the user can make inquiries about the insurance product directly to the insurance company thereafter (e.g., to inquire about the insurance policy).

[0037] The contract unit 112 can also execute processes related to changes and cancellations of insurance product contracts. Each of these will be briefly explained below.

[0038] When a user requests a change to an insurance contract, a change request is sent from the affiliated store terminal 11 to the insurance service providing system 10. The change request may be stored in the insurance company 108. The contract unit 112 sends the change request to the insurance company terminal 13 corresponding to the insurance company ID 501 added to the insurance product included in the change request. The insurance company terminal 13 searches for the relevant insurance product and changes, for example, the insurance policy number. The changed insurance policy number is sent from the insurance company terminal 13 to the insurance service providing system 10, and then transmitted by the notification unit 110 to the affiliated store terminal 11 that sent the change request. Depending on the changes, the scope of insurance coverage may change. In this case, the insurance service providing system 10 obtains information related to contract renewal and information related to the difference in insurance premiums (for example, information requesting payment of the difference) from the insurance company terminal 13. The information on contract renewal, etc. may be stored in the insurance company 108. The contract unit 112 reads out the information on contract renewal, etc. from the insurance company 108 by identifying the insurance company ID 501. The contract unit 112 passes the read information on contract renewal, etc. to the notification unit 110, and the notification unit 110 notifies the affiliated store terminal 11 of it.

[0039] For example, when a user requests cancellation of an insurance contract, a cancellation request is sent from the affiliated store terminal 11 to the insurance service providing system 10. The cancellation request may be stored in the insurance company 108. The contract unit 112 sends the cancellation request to the insurance company terminal 13 corresponding to the insurance company ID 501 added to the insurance product included in the cancellation request. The insurance company terminal 13 searches for the corresponding insurance product and cancels it. Cancellation information is sent from the insurance company terminal 13 to the insurance service providing system 10, and the contract unit 112 acquires it and passes it to the screen generation unit 111. The screen generation unit 111 generates a screen configured to enable the user to recognize the passed cancellation information, and passes it to the notification unit 110. The notification unit 110 then notifies the completion of the cancellation by displaying the screen on the affiliated store terminal 11.

[0040] The contract section 112 may also perform processing related to obtaining outstanding information from insurance companies. For example, when an insurance premium payment by an affiliated store falls behind, the insurance service providing system 10 receives a request for unpaid information from the insurance company terminal 13 and stores it in the insurance company 108. The contract unit 112 identifies the insurance company ID 501, reads the request for unpaid information from the insurance company 108, and transfers the read request information to the notification unit 110. The notification unit 110 notifies the affiliated store terminal 11 included in the request for unpaid information of information on whether or not the insurance contract can be continued or renewed. The insurance service providing system 10 receives a response to the question of whether or not the insurance contract can be continued or renewed from the affiliated store terminal 11, and stores it in the insurance company 108. The contract unit 112 transmits the response to the insurance company terminal 13 corresponding to the insurance company ID 501 stored in the response. If the insurance premium continues to be unpaid, the notification unit 110 may notify the affiliated store terminal 11 of a forced cancellation from the insurance company terminal 13.

[0041] (Process flow: Insurance service provision process) FIG. 7 is a flow diagram illustrating an example of insurance service provision processing according to an embodiment of the present invention.

[0042] In step S1, the insurance service providing system 10 acquires consent information from the affiliated store terminal 11 regarding the provision of payment and other data to the insurance company terminal 13. The payment and other data refers to data including at least one of business operator information, payment data, and payment terminal data. The acquired consent information may be stored in the business operator 106.

[0043] In step S2, the providing unit 109 provides the payment etc. data to the insurance company terminal 13. The providing unit 109 first searches for consent information in the business 106 using the business ID 301 as a key. When the consent information is identified, the providing unit 109 reads the payment etc. data from the business 106 or the payment data 107 and provides it to the insurance company terminal 13. The providing unit 109 may execute a predetermined process on the settlement data for a predetermined period, for example, tallying up sales amounts, and then provide the settlement data to the insurance company terminal 13. In addition, the providing unit 109 may provide the changed settlement data to the insurance company terminal 13 every time information on a change in the settlement data (for example, a change in business scale) is acquired.

[0044] In step S3, the insurance service providing system 10 acquires information about the insurance product. The information about the insurance product is stored in the insurance company 108. The information about the insurance product is generated by the insurance company terminal 13 based on the provided payment data, etc., and transmitted to the insurance service providing system 10. The information about the insurance product may include, for example, the insurance product, an estimate, an insurance policy number, and if the insurance premium has been changed, the changed insurance premium, etc.

[0045] In step S4, screen generation unit 111 generates a screen including information about the insurance product for the user to respond to the information about the insurance product. Screen generation unit 111 reads out the relevant insurance product from insurance company 108 by, for example, identifying insurance company ID 501, and generates a screen for the read out insurance product. The generated screen may be a screen that allows a user (for example, a person in charge at an affiliated store) to compare insurance products, for example, in order of the widest coverage. The screen generated by screen generation unit 111 is handed over to notification unit 110.

[0046] In step S5, the notification unit 110 causes the screen delivered from the screen generation unit 111 to be displayed on the member store terminal 11, thereby notifying information related to the insurance product.

[0047] In step S6, the contract unit 112 executes a process related to the contract for the insurance product based on the information on the insurance product generated by the insurance company terminal 13. This process will be described later.

[0048] (Processing flow: Insurance service contract processing) FIG. 8 is a flow diagram illustrating an example of insurance service contract processing according to an embodiment of the present invention.

[0049] In step S61, the insurance service providing system 10 acquires a request for quotation from the member store terminal 11. The contract unit 112 identifies the insurance company terminal 13 to which the quotation information should be sent, and then transmits the acquired quotation information to the corresponding insurance company terminal 13.

[0050] In step S62, the insurance service providing system 10 acquires the estimate generated by the insurance company terminal 13 based on the estimate request from the insurance company terminal 13. The acquired estimate is stored in the insurance company .

[0051] In step S63, the screen generation unit 111 reads out the corresponding quote from the insurance company 108 by identifying the insurance company ID 501, and generates a screen for the read out quote. The generated screen may be a screen that allows the user to compare quotes, for example, in order of lowest insurance premium. The screen generated by the screen generation unit 111 is delivered to the notification unit 110.

[0052] In step S64, the notification unit 110 notifies the member store terminal 11 of the estimate by displaying the screen received from the screen generation unit 111.

[0053] In step S65, the insurance service providing system 10 acquires the application information from the member store terminal 11. The contract unit 112 identifies the insurance company terminal 13 to which the application information should be sent, and then transmits the acquired application information to the corresponding insurance company terminal 13.

[0054] In step S66, the insurance service providing system 10 acquires the insurance policy number. The acquired insurance policy number is stored in the insurance company 108. The insurance policy number is issued, for example, after the contract unit 112 requests the bank terminal to transfer the insurance premium, and the insurance company terminal 13 confirms the transfer process by the bank terminal. The insurance company terminal 13 transmits the issued insurance policy number to the insurance service providing system 10.

[0055] In step S67, the notification unit 110 reads out the corresponding insurance policy number from the insurance company 108 by identifying the insurance company ID 501, and notifies the affiliated store terminal 11 of this.

[0056] Although the principles of the present invention have been described above with reference to exemplary embodiments, it will be understood by those skilled in the art that various embodiments that change in configuration and details can be realized without departing from the gist of the present invention. That is, the present invention can be embodied as, for example, a system, an apparatus, a method, a program, or a storage medium. [Explanation of symbols]

[0057] 10 Insurance service delivery system 11 Merchant terminal 12 Payment terminal 13 Insurance company terminal 106 Business Operator 107 Payment Data 108 Insurance companies 109 Provision Department 110 Notification Department 111 Screen generation section 112 Contract Department

Claims

1. a provision means for providing payment etc. data from a first terminal to a second terminal, the provision means providing the payment etc. data to the second terminal in response to acquisition of consent information regarding the provision of the payment etc. data from the first terminal to the second terminal; a notification means for notifying the first terminal of information related to the insurance product generated by the second terminal based on the provided payment data, etc.; An insurance service provision system comprising:

2. The payment data includes at least one of business operator information, payment data, and payment terminal data. The insurance service providing system according to claim 1 .

3. a screen generating means for generating a screen including information on the insurance product for a user to respond to the information on the insurance product; The providing means executes a predetermined process on the payment data, etc. The notification means notifies the first terminal of the information related to the insurance product by causing the first terminal to display the screen generated by the screen generation means.

3. The insurance service providing system according to claim 1 or 2.

4. the providing means provides the changed payment etc. data to the second terminal every time information regarding a change in the payment etc. data is acquired.

3. The insurance service providing system according to claim 1 or 2.

5. The notification means notifies the first terminal of information regarding the insurance product generated by the second terminal based on the changed payment etc. data. The insurance service providing system according to claim 4.

6. a contracting means for executing a process related to a contract for an insurance product based on the information on the insurance product generated by the second terminal; 3. The insurance service providing system according to claim 1 or 2.

7. 1. A method implemented by an insurance service delivery system, comprising: a providing step of providing payment etc. data from a first terminal to a second terminal, the providing step providing the payment etc. data to the second terminal in response to acquisition of consent information regarding the provision of the payment etc. data from the first terminal to the second terminal; a notification step of notifying the first terminal of information regarding the insurance product generated by the second terminal based on the provided payment data, etc.; The method according to claim 1,

8. A program for causing a computer to execute the method according to claim 7.

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