Information processing system, information processing method, program and information processing apparatus

Abstract

To provide an information processing system, an information processing method, a program and an information processing apparatus which reduce the psychological barrier of a financial burden associated with an eye care.SOLUTION: In an information processing system, a plurality of terminals used by users, and a contact lens (CL) management server (information processing server) and a health management server which can communicate with the terminals are connected via a communication circuit network. The CL management server comprises: an extraction unit for extracting at least one user satisfying pre-determined conditions based on the action histories of the users related to eyes received from the user terminals; and an output unit for outputting information required for the extracted user(s) to receive medical insurance to cover a part or the whole of eye care fees and transmitting the information to the user terminal(s) of the user(s).SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing system, an information processing method, a program, and an information processing device. [Background technology]

[0002] There is known a technology that proposes appropriate insurance based on a user's purchasing behavior and payment behavior obtained from the user's terminal (see, for example, Patent Document 1). In addition, there is known a technology that realizes easy enrollment in insurance at the time of purchase for products related to the user's health, such as supplements and health equipment (see, for example, Patent Document 2). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-156711 A [Patent Document 2] JP 2020-77195 A Summary of the Invention [Problem to be solved by the invention]

[0004] To purchase contact lenses (also called CL), it is recommended to have a vision test and examination by an ophthalmologist and then receive a contact lens prescription. However, when purchasing from an online shop, you may not need a prescription. Even after purchasing contact lenses, it is preferable for health management to regularly check vision and eye diseases while using them. On the other hand, there are many cases where the person himself or those around him does not have knowledge about eye diseases, and even if there are symptoms, it is often difficult to determine whether medical treatment is necessary. However, since eye examinations are expensive, there is a psychological hurdle in receiving medical treatment from the perspective of cost. On the other hand, if the psychological hurdle of the cost of eye examinations can be lowered, users will be more likely to undergo regular examinations or early consultations, which will arouse their interest in eye health and encourage them to improve their behavior regarding eye health.

[0005] The present invention has been made in consideration of the above-mentioned problems, and aims to provide an information processing system, an information processing method, a program, and an information processing device that make it possible to lower the psychological hurdle of the cost associated with ophthalmic treatment. [Means for solving the problem]

[0006] An information processing system according to a first aspect of the present invention is an information processing system including a user terminal and a server capable of communicating with the user terminal, the server comprising: an extraction unit that extracts at least one user who satisfies predetermined conditions based on the user's eye-related behavioral history received from the user terminal; and an output unit that outputs information necessary for the extracted user to receive medical insurance that covers part or all of the cost of ophthalmic treatment, and transmits the information to the user terminal of the user.

[0007] According to this configuration, when a user's eye-related behavior history meets a predetermined condition, the necessary information can be provided to the user so that the user can receive medical insurance that covers part or all of the cost of eye care. This can lower the psychological hurdle of the cost of eye care and encourage regular examinations or early consultations, arousing the user's interest in eye health and encouraging improvement of eye health behavior.

[0008] An information processing system according to a second aspect of the present invention is the information processing system according to the first aspect, wherein the extraction unit has a determination unit that determines points to be awarded based on behavioral history information indicating the user's behavioral history related to the eyes, an update unit that updates points for the user associated with user identification information that identifies the user in a storage device with the determined points, and an identification unit that identifies a user who has accumulated points equal to or greater than a predetermined value, and the output unit outputs information necessary for the identified user to receive medical insurance and transmits the information to the user terminal of the user.

[0009] According to this configuration, a user who has accumulated a certain number of points, which are set to increase or decrease according to eye-related actions, can receive medical insurance that covers part or all of the costs of eye care.

[0010] An information processing system according to a third aspect of the present invention is the information processing system according to the second aspect, wherein the determination unit obtains information regarding a user's purchase of contact lenses and / or eye health related products as at least one element of the behavioral history information, and determines points to be awarded based on the behavioral history information.

[0011] This configuration allows users to receive medical insurance that covers all or part of eye care costs depending on information about the purchase of contact lenses and / or eye health related products, thereby encouraging users to use contact lenses with greater peace of mind.

[0012] An information processing system according to a fourth aspect of the present invention is the information processing system according to the second aspect, wherein the determination unit obtains information indicating visiting an ophthalmologist or viewing information relating to eye health management as at least one element of the behavioral history information, and determines points to be awarded according to the behavioral history information.

[0013] With this configuration, a user can receive medical insurance that covers part or all of the cost of eye care in response to viewing information about eye care or eye examinations.

[0014] An information processing system according to a fifth aspect of the present invention is an information processing system according to any one of the first to fourth aspects, and further includes a setting unit that infers at least the health condition of the user's eyes from the user's eye-related behavioral history, and executes at least one of the following processes based on the health condition: determining whether the user is eligible for medical insurance, selecting a medical insurance product that the user is eligible for, and setting the coverage details of the medical insurance product that the user is eligible for; and the output unit outputs at least one of information regarding the determination of whether the user is eligible for medical insurance, information regarding the selected medical insurance product, and information regarding the medical insurance product with the set coverage details, and transmits the output information to the user terminal of the user.

[0015] According to this configuration, the user's eye health condition is estimated from the user's eye-related behavior history, and at least one of the following processes is executed according to the user's eye health condition: determining whether the user can receive medical insurance, selecting a medical insurance product that the user can receive, and setting the coverage of the medical insurance product that the user can receive, and thus outputting to the user information on whether medical insurance can be purchased according to the eye health condition, or information on a medical insurance product with appropriate coverage according to the eye health condition. This makes it possible to encourage the user to improve their eye health-related behavior.

[0016] An information processing system according to a sixth aspect of the present invention is the information processing system according to the fifth aspect, further comprising an attribute information recording unit that records user attribute information indicating user attributes in association with the user identification information, and the setting unit infers the user's health condition from the user attribute information, and performs at least one of the following processes based on the health condition: determining whether the user is eligible for insurance, selecting a medical insurance product that the user is eligible for, and setting the coverage details of the medical insurance product that the user is eligible for.

[0017] According to this configuration, it is possible to determine whether or not a user is eligible for insurance, and / or to select the insurance products available and set the coverage details, based on user attribute information such as the user's age and medical history, so that the user can be targeted for insurance products that are more suited to the user's attributes, including determining whether or not the user is eligible for insurance.

[0018] An information processing system according to a seventh aspect of the present invention is an information processing system according to the second aspect, further comprising a personal information recording unit that records user personal information including information necessary for insurance enrollment in association with user identification information, and the output unit outputs information necessary for the user to receive the medical insurance based on the user personal information and transmits the information to the user terminal of the user.

[0019] According to this configuration, by using pre-recorded user personal information that identifies the user, such as the user's name and contact information, the information necessary for the user to receive medical insurance can be prepared and output in a manner that reduces the need for the user to input additional information.

[0020] An information processing system according to an eighth aspect of the present invention is the information processing system according to the first aspect, wherein the extraction unit extracts other users designated by at least one user who satisfies the predetermined conditions, and the output unit outputs to the extracted other users information necessary for them to receive medical insurance that compensates for part or all of the expenses of ophthalmic medical treatment.

[0021] According to this configuration, when the user meets the conditions for insurance coverage based on the user's behavior history, the user can designate another user as the insurance recipient instead of the user. This allows the other user to be covered by medical insurance based on the user's behavior, and can arouse the other user's interest in eye health and encourage the other user to improve their behavior regarding eye health. For example, the other user may be a family member or relative, but is not limited to this.

[0022] An information processing method according to a ninth aspect of the present invention is an information processing method executed in an information processing system, and includes the steps of extracting at least one user who satisfies predetermined conditions based on the user's eye-related behavioral history, and outputting information necessary for the extracted user to receive medical insurance that covers part or all of the costs of ophthalmic treatment.

[0023] A program according to a tenth aspect of the present invention is a program for causing a computer to execute the steps of extracting at least one user who satisfies predetermined conditions based on the user's eye-related behavioral history, and outputting information necessary for the extracted user to receive medical insurance that covers part or all of the cost of eye care.

[0024] An information processing device according to an eleventh aspect of the present invention includes an extraction unit that extracts at least one user who satisfies predetermined conditions based on the user's eye-related behavioral history, and an output unit that outputs information necessary for the extracted user to receive medical insurance that covers part or all of the cost of ophthalmic treatment. Effect of the Invention

[0025] According to one aspect of the present invention, when a user's eye-related behavior history satisfies a predetermined condition, the necessary information can be provided to the user so that the user can receive medical insurance that covers part or all of the cost of eye care, thereby lowering the psychological hurdle of the cost of eye care and / or encouraging regular examinations or early consultation. [Brief description of the drawings]

[0026] [Figure 1] 1 is a schematic configuration diagram of an information processing system according to an embodiment of the present invention. [Diagram 2] 2 is a schematic configuration diagram of a CL management server according to the present embodiment. FIG. [Diagram 3] FIG. 11 is a schematic diagram showing an example of a processing flow of a terminal. [Figure 4] FIG. 2 is a schematic diagram showing an example of a processing flow of an information processing system. [Diagram 5] FIG. 2 is a schematic diagram showing an example of an outline of a display screen of a terminal. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0027] Hereinafter, each embodiment will be described with reference to the drawings. However, detailed description may be omitted as appropriate. For example, detailed description of already well-known matters or duplicate description of substantially the same configuration may be omitted. This is to avoid redundancy in the following description and to facilitate understanding by those skilled in the art.

[0028] In order to solve the above problem, the inventor of the present application came up with the idea of ​​making a user eligible for insurance that compensates for all or part of ophthalmic medical expenses when the user's eye-related behavior history meets predetermined conditions. Therefore, in this embodiment, an information processing system is provided that makes it possible to provide information necessary for a user to receive insurance that compensates for all or part of ophthalmic medical expenses when the user's eye-related behavior history meets predetermined conditions. This makes it possible to lower the psychological hurdle of the cost of ophthalmic medical treatment.

[0029] Fig. 1 is a schematic diagram of an information processing system according to this embodiment. As shown in Fig. 1, the information processing system S includes terminals 1-1, ..., 1-N (N is a natural number) used by users, a CL management server (information processing server) 2 connected to the terminals 1-1, ..., 1-N via a communication network CN, and an insurance management server 3 connected to the terminals 1-1, ..., 1-N via the communication network CN. Here, the CL management server 2 is one aspect of an information processing device. Note that the CL management server 2 and the insurance management server 3 may each be independent individual server devices, or may be configured by a single server device.

[0030] Terminals 1-1, ..., 1-N (also referred to as user terminals) are terminals used by users who have purchased contact lenses or the like, and are, for example, mobile phones such as multi-function mobile phones (so-called smartphones), wearable devices with communication and information processing functions, IoT (Internet of Things) devices, tablets, notebook computers, or desktop computers. In this embodiment, terminals 1-1, ..., 1-N are, as an example, multi-function mobile phones on which a dedicated application (also referred to as an app) is downloaded and installed, and information can be exchanged with the CL management server 2 and the insurance management server 3 via this app. Terminals 1-1, ..., 1-N are collectively referred to as terminals 1.

[0031] The terminal 1 detects or tracks eye-related actions performed by the user, and transmits information about the detected or tracked actions to the CL management server 2. Here, the eye-related actions are, for example, at least one of purchasing contact lenses, visiting an ophthalmologist, and eye health care. This eye health care is an action for maintaining or improving eye health and / or eye health management, and the action for maintaining or improving eye health includes, for example, obtaining information for maintaining or improving eye health (for example, reading an article about eye health delivered using the terminal 1), simple eye examinations performed by the user, self-checks, eye exercises, recording health conditions, and answering questionnaires. The terminal 1 may obtain information about these actions by detecting them on the terminal or on an external device capable of communication, or may obtain information based on information input by the user to the terminal 1. This allows the CL management server 2 to obtain the eye-related action history of the user for each user.

[0032] The CL management server 2 is used or managed, for example, by a manufacturer of contact lenses used by a user. The CL management server 2 provides information to the terminal 1. The CL management server 2 may be a single computer, or may be configured from multiple computers.

[0033] The insurance management server 3 may be used or managed by, for example, an insurance company that provides medical insurance to a user. The insurance management server 3 provides information to the terminal 1. The insurance management server 3 may be a single computer or may be composed of multiple computers.

[0034] 2 is a schematic configuration diagram of the CL management server according to this embodiment. As shown in FIG. 2, the CL management server 2 includes an input interface 21, a communication module 22, a storage device 23, a memory 24, an output interface 25, and a processor 26. The input interface 21 receives an input from the administrator of the CL management server 2, and outputs an input signal corresponding to the received input to the processor 26. The communication module 22 is connected to the communication network CN, and communicates with the terminal 1 and the insurance management server 3. This communication may be wired or wireless, but the following description will assume that it is wired.

[0035] The storage device 23 is, for example, a storage device, and stores programs and various data to be read and executed by the processor 26. In this embodiment, the storage device 23 also has a function of recording information related to individual users, such as user attribute information and user personal information. The memory 24 temporarily holds data and programs and is a volatile memory, such as a random access memory (RAM). The output interface 25 can be connected to an external device and can output a signal to the external device.

[0036] The processor 26 loads a program from the storage device 23 into the memory 24 and executes a series of instructions contained in the program, thereby functioning as an extraction unit 260, an output unit 264, and a setting unit 265.

[0037] The extraction unit 260 extracts at least one user who satisfies a predetermined condition based on the user's eye-related behavior history received from the terminal 1. The output unit 264 outputs information necessary for the extracted user to receive medical insurance that covers a part or all of the ophthalmology medical expenses. Here, the extraction unit 260 includes, for example, a determination unit 261, an update unit 262, and an identification unit 263.

[0038] The determination unit 261 determines points to be awarded according to behavior history information indicating the behavior history of the user related to the eyes.

[0039] As one example, the determination unit 261 may acquire information regarding the purchase of contact lenses and / or eye health related products by the user received from the terminal 1 as at least one element of the behavioral history information, and determine points to be awarded according to the behavioral history information. The information regarding the purchase of contact lenses and / or eye health related products may be, for example, information indicating the user's behavioral history related to such purchase, information proving the purchase, etc. As another example, the determination unit 261 may acquire information received from the terminal 1 indicating that the user has visited an ophthalmologist or viewed information regarding eye health management as at least one element of the behavioral history information, and determine the points to be awarded according to the behavioral history information.

[0040] The update unit 262 records the points for the user in the storage device 23 in association with user identification information that identifies the user, and also updates the recorded points. The identification unit 263 identifies a user who satisfies a criterion regarding points. For example, when the criterion regarding points is "accumulation of a predetermined value or more of points", the identification unit 263 identifies a user who has accumulated a predetermined value or more of points. In this case, the output unit 264 outputs, for example, to the identified user, information necessary for the user to receive medical insurance, and transmits the information to the user's terminal 1 via the communication module 22.

[0041] The CL management server 2 may infer user attributes from the user's purchase history and propose insurance suitable for the user. For example, the CL management server 2 may infer that the terminal 1 of a user who has purchased bifocal contact lenses has signs of presbyopia and transmit information proposing an appropriate insurance product (for those in their 40s or older, for example). In addition, the CL management server 2 may infer that the terminal 1 of a user who has purchased UV-resistant contact lenses is proactive and active in going out and exercising and transmit information proposing insurance that also covers injury guarantees.

[0042] To achieve this, the setting unit 265 may infer the health condition of the user's eyes from the user's eye-related behavior history received from the terminal 1, and execute at least one process of judging whether the user can receive medical insurance, selecting a medical insurance product that the user can receive, and setting the compensation content of the medical insurance product that the user can receive, according to the health condition. In this case, the output unit 264 may output at least one of the judgment whether the user can receive medical insurance, information on the selected medical insurance product, and information on the medical insurance product with the set compensation content, and transmit the output information to the terminal 1 of the user together with information for the user to receive such medical insurance product, for example.

[0043] The CL management server 2 may acquire necessary information such as personal information of the user via the user's terminal 1, estimate or determine the user's health condition and age from this information, and determine the compensation content of the insurance product and whether or not the user can subscribe. The CL management server 2 may determine whether or not the user is interested in health based on, for example, the results of a questionnaire to the user received via the terminal 1 or the detected behavior, and select insurance. Similarly, the CL management server 2 may select appropriate insurance for the user from this information such as personal information, past medical examination information, and contact lens prescription status. The CL management server 2 may also determine the period of insurance and whether or not to extend the subscribed period.

[0044] To achieve this, the update unit 262 may further record the user's attribute information in association with the user identification information. In this case, the setting unit 265 may infer the user's health condition from the user's attribute information, and execute at least one of the following processes according to the health condition: determining whether the user can receive insurance, selecting a medical insurance product that the user can receive, and setting the compensation content of the medical insurance product that the user can receive. Here, the user's attribute information is information indicating the user's personal characteristics and behavior history, such as the user's age, sex, medical history, questionnaire response results, purchase history of products or services related to contact lenses and eye health, issuance history of contact lens instructions, and eye examination history, and preferably refers to information that contributes to inferring the user's eye health condition and / or determining the compensation content of medical insurance that the user can receive.

[0045] The CL management server 2 may acquire user personal information (e.g., name, contact information, age, etc.) required for insurance enrollment via the terminal 1, and use it to create insurance enrollment information and insurance certificates. Alternatively, this user personal information may be transmitted to the insurance management server 3. Here, the user personal information stored in the terminal 1 or the CL management server 2 may include at least one of the following information required for insurance enrollment: purchase history, contact lens subscription registration period, prescription validity period, and insurance extension depending on medical examination history.

[0046] To achieve this, the update unit 262 may further record the user personal information in association with the user identification information. In this case, the output unit 264 may output information necessary for the user to receive medical insurance based on the user personal information.

[0047] The CL management server 2 may determine the insurance period and compensation contents according to the points given to the user. The CL management server 2 may set favorable conditions for the user when receiving medical insurance, such as providing higher compensation to a user who has many points.

[0048] The CL management server 2 may add points to a user who has performed a specific action in the ophthalmology field, such as undergoing a regular checkup, other than purchasing contact lenses. Specifically, the following examples are possible. The terminal 1 detects that a user has used a wearable terminal in the ophthalmology field or a simple home testing device, or has performed a test, and transmits data indicating these actions linked to user identification information to the CL management server 2. The CL management server 2 adds points to the user based on the received data. Furthermore, the CL management server 2 may add points in response to visits (i.e., check-ins) to stores, etc. For example, the CL management server 2 may add points in response to visits to physical contact lens stores, eye clinics, and eye examination booths installed in town. Specifically, for example, eye examination booths may be set up in places where people gather, such as stations and malls, and users may enter answers using an app installed on the terminal 1. When the terminal 1 receives this answer, it may send it to the CL management server 2, and when the CL management server 2 receives the answer, it may add points to the user who answered. The medical insurance may be provided to not only contact lens purchasers and app users, but also other users. Specifically, a user who subscribes to a contact lens regular delivery (subscription service) may be the target of insurance. For example, when a user subscribes to a regular delivery (8 to 24 boxes per year), the CL management server 2 may provide information about the insurance to the terminal 1 of the user. The insurance may be provided to a designated other person (such as a family member) rather than to the user himself / herself. For example, the service may be provided across generations within a family or within a relative. Since there are hereditary diseases in the field of ophthalmology, for example, if a parent user has a hereditary disease, the CL management server 2 may provide information about insurance for children against hereditary diseases to the parent's terminal 1 or a terminal of the child registered in advance. In this way, if it is suspected that the user has a hereditary disease based on the user's behavior or health condition, other family members who are suspected to be potential patients of the same disease can be covered by the insurance. Specific examples of hereditary diseases include diabetes (which can lead to diabetic retinopathy), myopia, and glaucoma (which is more likely to occur in people with severe myopia). In addition, blood ties are not necessarily required when providing services across generations within a family or relatives. For example, if the family members live together, it is possible that a viral eye disease may be transmitted from the user to other members of the family. If it is suspected that the user has an infectious disease based on their behavior or health condition, other family members who are suspected to be potential patients of the same disease can also be covered by the insurance.

[0049] FIG. 3 is a schematic diagram illustrating an example of a processing flow of a terminal. (Step S10) First, the terminal 1 scans, for example, a barcode printed on a contact lens box in response to an operation by the user, and transmits purchase information recognized from the scanned barcode to the CL management server 2. At this time, for example, the determination unit 261 of the CL management server 2 determines points to be awarded in response to the received purchase information. Then, the update unit 262 updates the points for the user associated with user identification information identifying the user in the storage device 32 with the determined points.

[0050] (Step S20) Next, the terminal 1 receives from the CL management server 2 the eye insurance coupon exchanged for the points given to the user in response to an operation by the user.

[0051] (Step S30) Next, in response to the user's operation, the terminal 1 receives information necessary for the user to receive medical insurance, such as an insurance application code, from the CL management server 2. After receiving the information, the terminal 1 displays an insurance application form or website provided by the insurance management server 3 in response to the user's operation.

[0052] (Step S40) Next, in response to the user's operation related to the insurance application on the insurance application form or website, the terminal 1 transmits information related to the insurance application to the insurance management server 3. As a result, the insurance management server 3 accepts the insurance application.

[0053] (Step S50) Next, the terminal 1 receives information from the insurance management server 3 indicating that the user has become covered by medical insurance, such as digital data of the insurance policy, contract data, and information required to obtain hard copies of these.

[0054] (Step S60) When the user performs an action that is covered by the insurance, such as visiting an eye doctor, receiving treatment for a covered illness, or receiving a prescription for a covered medicine, terminal 1 photographs a receipt and / or medical statement in response to the user's operation.

[0055] For example, the terminal 1 may notify a user who has performed an act that is covered by insurance to request the user to take a picture of a receipt and / or a medical statement, and may prompt the user to take a picture of the receipt and / or the medical statement in response to an operation by the user. The notification may be, for example, a notification from a multi-function mobile phone (smartphone) (for example, a banner displayed on the screen, displayed at the top of the screen, or displayed when a dedicated app is opened).

[0056] (Step S70) Next, in response to the user's operation related to the insurance claim, the terminal 1 transmits information related to the insurance claim together with necessary information such as the photographed receipt and / or medical statement to the insurance management server 3. This executes the insurance claim. If the insurance claim is approved as a result of the examination, the insurance management server 3 may store the insurance money to be granted to the user in association with user identification information that identifies the user.

[0057] (Step S80) The insurance money may be transferred to a bank account registered by the user. In this case, when the terminal 1 receives a notice of the completion of the insurance money transfer from the insurance management server 3, the terminal 1 may notify the user of the completion of the insurance money transfer.

[0058] The terminal 1 may receive information that electronic money has been granted as insurance money from the insurance management server 3. In this case, the terminal 1 may, for example, notify the user of the information that electronic money has been granted as insurance money. Also, the balance of electronic money may be increased by the amount of the granted electronic money and displayed on the terminal 1. Here, the electronic money may be electronic money dedicated to the application of the terminal 1, other electronic money, or some kind of points that can be used for purchases or exchange for goods.

[0059] Next, the process flow of the information processing system will be described using Fig. 4 while referring to Fig. 5. Fig. 4 is a schematic diagram showing an example of the process flow of the information processing system. Fig. 5 is a schematic diagram showing an example of the outline of a display screen of a terminal.

[0060] (Step S105) The camera of terminal 1 scans the code written on the contact lens box according to a dedicated application (program) installed on terminal 1. Here, it is assumed that the camera of terminal 1 scans the barcodes of a predetermined number of contact lens boxes, for example, a total of eight boxes. Terminal 1 recognizes the contact lens purchase information from the scanned barcode, and transmits the purchase information to the CL management server 2.

[0061] (Step S210) The CL management server 2 extracts users who have accumulated a predetermined number of points (e.g., a total of eight boxes' worth of points) from the received purchase information, and transmits information showing an insurance coupon banner to the extracted user's terminal 1. As a result, when the terminal 1 receives the information showing the insurance coupon banner, it displays this insurance coupon banner like banner B1 on screen G10 in FIG.

[0062] (Step S110) When the terminal 1 receives an operation (eg, a tap) from the user to select a banner of an insurance coupon, the terminal 1 transmits a notice of the banner selection to the CL management server 2.

[0063] (Step S220) When the CL management server 2 receives the notice of banner selection, it transmits information for displaying a coupon exchange confirmation screen to the terminal 1. Also, for example, the CL management server 2 requests the insurance management server 3 for a unique code URL list.

[0064] (Step S310) In response to a request from the CL management server 2, the insurance management server 3 transmits the unique code URL list to the CL management server 2.

[0065] (Step S115) When the terminal 1 receives information for displaying a coupon exchange confirmation screen, the terminal 1 displays the coupon exchange confirmation screen as in screen G15 of Fig. 5. When the terminal 1 receives an operation for selecting exchange for a coupon (for example, tapping button B2 on screen G15 of Fig. 5), the terminal 1 transitions to screen G20 of Fig. 5, for example.

[0066] (Step S120) When the terminal 1 receives an operation from the user to select acquisition of a coupon on screen G20 of FIG. 5 (for example, tapping on button B3 on screen G20 of FIG. 5), the terminal 1 transmits to the CL management server 2 a notice of coupon acquisition.

[0067] (Step S230) When the CL management server 2 receives a request to acquire a coupon from the terminal 1, it transmits information related to the insurance application coupon with the unique code URL embedded therein.

[0068] (Step S125) When the terminal 1 receives information regarding an insurance application coupon with an embedded unique code URL, upon receiving an operation by the user to use the coupon (e.g., tapping button B4 on screen G25-1 of Figure 5), such as an application selection operation performed after checking the terms of use and disclaimers on screen G25-2 of Figure 5 (e.g., tapping button B5 on screen G25-1 of Figure 5), the terminal 1 sends an insurance application request to, for example, the insurance management server 3 using a URL including the unique code.

[0069] (Step S130) In response to the request, the terminal 1 transitions to the insurance application site based on the web data of the insurance application site received from the insurance management server 3. When the terminal 1 accepts an insurance application procedure operation (e.g., input of personal information of the user of the terminal 1 and an insurance application operation) from the user at the insurance application site, the terminal 1 transmits the insurance application and the personal information of the user of the terminal 1 to the insurance management server 3.

[0070] (Step S320) The insurance management server 3 receives the insurance application and personal information of the user of the terminal 1. After that, an insurance underwriting company or the like may carry out an examination of the medical insurance. When the insurance management server 3 accepts an examination result input operation from the insurance company or the like, it transmits the examination result to the terminal 1.

[0071] (Step S135) The terminal 1 receives the examination result from the insurance management server 3. The examination result may be information indicating an insurance policy indicating that the user has signed up for medical insurance.

[0072] (Step S145) When the annual medical expenses for eye visits exceed the set amount, the terminal 1 photographs the receipt and / or medical statement in response to an operation of the user who recognizes that the annual medical expenses for eye visits and / or dispensing pharmacy have exceeded the set amount. Alternatively, the receipt and / or medical statement photographed for each eye visit can be sent to the CL management server 2, and the CL management server 2 can determine that the annual medical expenses for eye visits exceed the set amount and notify the terminal 1 that insurance claims can be made.

[0073] (Step S150) The terminal 1 transmits information to the insurance management server 3 to the effect that an insurance claim is to be made. This information to the effect that an insurance claim is to be made includes a receipt from the ophthalmology clinic and / or a dispensing pharmacy and / or a medical statement from the ophthalmology clinic, and the user's bank account information to which the payment is to be transferred. Note that if the receipt and / or the medical statement has already been transmitted to the CL management server 2, transmission of the receipt and / or the medical statement from the terminal 1 to the insurance management server 3 can be omitted.

[0074] (Step S360) The insurance management server 3 receives from the terminal 1 information indicating that an insurance claim is to be made.

[0075] (Step S370) After that, the insurance company managing the insurance management server 3 executes the remittance process of the insurance money. For example, the insurance company managing the insurance management server 3 may manually execute the bank transfer of the insurance money at a brick-and-mortar bank or via internet banking. The insurance management server 3 may execute the process of remittance of the insurance money. Specifically, for example, the insurance management server 3 may execute the bank transfer of the insurance money through online banking, or may transmit (remit) electronic money to the terminal 1. After the remittance process is completed, the insurance management server 3 may transmit a notification of the completion of the remittance process to the terminal 1. In this case, the terminal 1 receives the notification of the completion of the remittance process.

[0076] (Step S155) The user of terminal 1 receives the insurance money.

[0077] As described above, the information processing system S or the CL management server 2 according to this embodiment includes an extraction unit 260 that extracts at least one user who satisfies predetermined conditions based on the user's eye-related behavioral history, and an output unit 264 that outputs information necessary for the extracted user to receive medical insurance that covers part or all of the cost of ophthalmic treatment.

[0078] According to this configuration, the information processing system S or the CL management server 2 according to this embodiment allows a user to receive medical insurance that covers part or all of the cost of eye care if the user's eye-related behavior history satisfies a predetermined condition. This can lower the psychological hurdle of the cost of eye care, and encourage users to use contact lenses with more peace of mind.

[0079] The identification unit 263 may identify a user who is covered by the medical insurance based on the purchase history of the user received from the terminal 1, for example. Specifically, for example, when purchase history information is acquired from terminal 1 indicating that a user has purchased a specified number of a specified contact lens product (or continuously for a specified period of time), the identification unit 263 may identify the user as being covered by medical insurance.

[0080] Here, the following methods can be considered as a method for acquiring the user's purchase history information. The CL management server 2 may receive from the terminal 1 information such as the code or image on the product package scanned or photographed by the terminal 1 in response to a user's operation, and acquire purchase history information based on this information. Note that the CL management server 2 may use documents indicating the user's purchase history, such as a purchase receipt or purchase certificate, other than the code or image on the product package, and may acquire purchase history information by receiving from the terminal 1 images of these documents or information entered by the user based on these documents. The CL management server 2 may acquire purchase history information for each user by acquiring purchase history from a server that stores information indicating sales history, such as POS data of a retail store connected via a network, and linking the purchase history with user information. At this time, the CL management server 2 may, for example, have the user information (such as a code on the terminal 1) read by a storefront terminal of the retail store, and link the user information transmitted from the storefront terminal with the purchase history. The CL management server 2 may also have the user's terminal 1 read purchase information (such as a code installed at the storefront or information transmitted from an NFC (Near-Field Communication) device installed at the storefront), and link the purchase history with the purchase information transmitted from the terminal 1. Alternatively, the CL management server 2 may identify the user based on other registered personal information (such as age, medical history, etc.) transmitted to the CL management server 2 from the terminal 1 or the storefront terminal. The CL management server 2 may acquire, as purchase history information, registration information for a subscription service, such as a regular purchase of contact lenses, sent to the CL management server 2 from the terminal 1 or the in-store terminal.

[0081] Methods for sending information required to receive insurance include, for example, the following methods. The CL management server 2 may transmit electronic information (e.g., a link, an electronic coupon) for taking out insurance to the terminal 1. Specifically, for example, this electronic information may include an electronic coupon for taking out insurance free of charge as a benefit.

[0082] The following are specific examples of insurance coverage. Insurance that compensates for all or part of the medical expenses and prescription costs when a user visits a designated medical department (e.g. an ophthalmologist) for a specific illness and receives designated tests, treatments, or prescriptions for designated medicines. Insurance that covers damage to property owned by the user or property caused by the user's actions, covering part or all of the costs required for repairs or replacements (for example, in the case of damage to contact lenses, insurance that covers the cost of purchasing additional contact lenses). If a user is suspected or diagnosed with a specified disease, insurance that covers part or all of the medical expenses and prescription costs for the user's relatives when they undergo specified tests or treatments for the same disease or are prescribed specified medicines. The insurance management server 3 may set the validity period of these insurance policies as appropriate. For example, the insurance management server 3 may set the validity period of the insurance policies according to the issue date of the contact lens instruction sheet presented when purchasing contact lenses. Alternatively, the insurance management server 3 may set the insurance period according to the number of contact lenses purchased by the user, etc.

[0083] Although the insurance management server 3 has been described as being managed by an insurance company, it may be managed by a contact lens manufacturer.

[0084] At least a part of the CL management server 2 described in the above embodiment may be configured with hardware or software. When configured with software, a program that realizes at least a part of the functions of the CL management server 2 may be stored in a computer-readable recording medium and read and executed by a computer. The recording medium is not limited to removable ones such as magnetic disks and optical disks, but may be fixed recording media such as a hard disk device or memory.

[0085] Also, a program that realizes at least a part of the functions of the CL management server 2 may be distributed via a communication line (including wireless communication) such as the Internet. Furthermore, the program may be encrypted, modulated, or compressed and distributed via a wired line or wireless line such as the Internet, or stored in a recording medium.

[0086] Furthermore, the CL management server 2 may be operated by one or more information devices. When multiple information devices are used, one of the devices may be a computer, and the computer may execute a predetermined program to realize the functions as at least one of the means of the CL management server 2. Also, some or all of the functions of the CL management server 2 may be realized by the terminal 1. Also, some or all of the functions of the insurance management server 3 may be realized by the CL management server 2. Also, some or all of the functions of the CL management server 2 may be realized by the terminal 1, which is an example of an information processing device.

[0087] In the method invention, all the steps may be realized by automatic control using a computer. Alternatively, each step may be performed by a computer while the progress between steps is controlled manually. Furthermore, at least some of the steps may be performed manually.

[0088] As described above, the present invention is not limited to the above-described embodiment as it is, and in the implementation stage, the components can be modified and embodied without departing from the gist of the invention. In addition, various inventions can be formed by appropriately combining the multiple components disclosed in the above-described embodiment. For example, some components may be deleted from all the components shown in the embodiment. Furthermore, components from different embodiments may be appropriately combined. [Explanation of symbols]

[0089] 1 Device 2 CL Management Server 21 Input Interface 22 Communication Module 23 Storage device 24 Memory 25 Output Interface 26 processors 260 Extraction part 261 Decision Section 262 Update Department 263 Specific part 264 Output Unit 265 Settings 3 Insurance Management Server

Claims

1. An information processing system including a user terminal and a server capable of communicating with the user terminal, The server, An extraction unit that extracts at least one user who satisfies a predetermined condition based on an eye-related user behavior history received from the user terminal; an output unit that outputs information necessary for the extracted user to receive medical insurance that covers a part or all of the ophthalmology medical expenses and transmits the information to the user terminal of the user; An information processing system comprising:

2. The extraction unit is A determination unit that determines points to be awarded in accordance with behavior history information indicating a behavior history of a user related to eyes; an update unit that updates points for the user associated with user identification information that identifies the user in a storage device with the determined points; an identification unit for identifying a user who satisfies a criteria related to points; having The output unit outputs information necessary for the specified user to receive medical insurance, and transmits the information to the user terminal of the specified user. The information processing system according to claim 1 .

3. The determination unit acquires information regarding a purchase of contact lenses and / or eye health-related products by the user received from the user terminal as at least one element of the behavior history information, and determines points to be awarded in accordance with the behavior history information. The information processing system according to claim 2 .

4. The determination unit acquires information indicating a user's visit to an ophthalmologist or viewing of information related to eye health care received from the user terminal as at least one element of the behavior history information, and determines points to be awarded according to the behavior history information. The information processing system according to claim 2 .

5. a setting unit that estimates at least a health condition of the user's eyes from the user's eye-related behavior history, and executes at least one process of determining whether the user is eligible for medical insurance according to the health condition, selecting a medical insurance product that the user is eligible for, and setting the compensation content of the medical insurance product that the user is eligible for, The output unit outputs at least one of information regarding a judgment as to whether the user is eligible for medical insurance, information regarding the selected medical insurance product, and information regarding the medical insurance product with the set compensation content, and transmits the output information to the user terminal of the user. The information processing system according to claim 1 .

6. An attribute information recording unit that records user attribute information indicating an attribute of a user in association with the user identification information, The setting unit infers a health condition of the user from the user attribute information, and executes at least one process of determining whether the user is eligible for insurance, selecting a medical insurance product eligible for the user, and setting compensation details of the medical insurance product eligible for the user, according to the health condition. The information processing system according to claim 1 .

7. A personal information recording unit is further provided for recording user personal information including information necessary for insurance application in association with user identification information, The output unit outputs information necessary for the user to receive the medical insurance based on the user personal information, and transmits the information to the user terminal of the user. The information processing system according to claim 2 .

8. The extraction unit extracts another user designated by the at least one user who satisfies the predetermined condition, The output unit outputs information necessary for receiving medical insurance that covers a part or all of the cost of eye care to the extracted other user. The information processing system according to claim 1 .

9. An information processing method executed in an information processing system, comprising: Extracting at least one user who satisfies a predetermined condition based on an eye-related behavior history of the user; outputting information necessary for the extracted user to receive medical insurance that covers a part or all of the cost of eye care; An information processing method comprising the steps of:

10. On the computer, Extracting at least one user who satisfies a predetermined condition based on an eye-related behavior history of the user; outputting information necessary for the extracted user to receive medical insurance that covers a part or all of the cost of eye care; A program for executing the above.

11. An extraction unit that extracts at least one user who satisfies a predetermined condition based on an eye-related behavior history of the user; an output unit that outputs information necessary for the extracted user to receive medical insurance that covers a part or all of the cost of eye care; An information processing device comprising:

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