Information processing device, information processing method and computer program

Abstract

To enable an article that is suitable for a user to be proposed by automatically acquiring user information with the user's consent to use the same.SOLUTION: An article proposal support device according to the present disclosure includes an account information registration unit that registers account information of access destinations, a user data collection unit that collects user data on a user from an access destination selected by the user, a consent information acquisition unit that acquires consent information regarding whether or not there is the user's consent to use the user data, a user information acquisition unit that acquires user information with the user's consent to use the same from the collected user data, a proposal unit that proposes an article that matches the user information, and a re-proposal unit that re-proposes the article that matches life stage information of the user.SELECTED DRAWING: Figure 8

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an information processing method, and a computer program for assisting in proposing products to users.

Background Art

[0002] In recent years, various insurance products, financial products, health-related products, etc. have appeared on the market. Among these products, there are those with advanced, complex, or specialized product contents, or those with a short product life cycle. Even if a user is interested in a product, it has not been easy to timely search for a product suitable for oneself.

[0003] For example, taking insurance products as an example, life insurance, cancer insurance, educational expense insurance, fire insurance, earthquake insurance, automobile insurance, bicycle insurance, pet insurance, etc. are known. Users interested in such insurance collect information on insurance products provided by each insurance company by using the network, requesting information from each insurance company, or visiting the window of an insurance company, and search for insurance suitable for themselves. In addition, salespersons of insurance companies handling these insurances have interacted with users face-to-face or by phone, etc., and proposed insurance suitable for the needs of users from among these various insurances while hearing the intentions of users.

[0004] On the other hand, an information processing system for presenting insurance products to users using a computer and a network is also known. For example, a technique is known in which a model is generated based on the correlation between information on changes in lifestyle (time-series data) acquired from a user and information on diseases suffered by the user, and using this model, a disease that a user to be evaluated may suffer from in the future is estimated, and information on insurance corresponding to the estimated disease is provided to the user (Patent Document 1).

[0005] In an insurance product presentation server that presents insurance products to a client terminal configured to be accessible via a network, it is known to reduce the occurrence of an event where acceptance is not approved when applying for membership in an insurance product presented by the insurance product presentation server by determining the insurability of the insurance product based on information related to the health status of the user associated with the user identification information (Patent Document 2).

Prior Art Documents

Patent Documents

[0006]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0007] When a user wants to obtain information about a product of interest, the user can explain the product they want at a window handling the product and get a product suitable for themselves proposed, but this is time-consuming and laborious, and there may be variations in the products proposed by the product staff. On the other hand, when using a computer system that proposes products, the user needs to input their personal information to obtain information about the product of interest, but this is time-consuming for input and the user has to be careful about providing personal information. On the other hand, even for a company providing products, it is necessary to obtain user information every time a product is proposed and to handle personal information, so it has been difficult to efficiently provide products suitable for each user.

[0008] This invention has been made paying attention to the above circumstances, and its object is to provide an information processing apparatus, an information processing method, and a computer program capable of proposing a product suitable for a user by automatically obtaining user information to which the user consents to use.

Means for Solving the Problem

[0009] In order to solve the above problems, a first aspect of the information processing apparatus according to the present disclosure includes a user data collection unit that collects the user's user data from an access destination selected by the user, a user information acquisition unit that acquires user information to which the user has consented to use among the collected user data, and a product proposal unit that proposes a product that matches the user information.

[0010] A second aspect of the information processing apparatus according to the present disclosure is characterized in that the product proposal unit uses a learning model that has been learned to input user information to which the user has consented to use and output one or more products that match the user information, and proposes a product that matches the user information.

[0011] A third aspect of the information processing apparatus according to the present disclosure is characterized in that the learning model further outputs a fitness score indicating the degree of fitness.

[0012] A fourth aspect of the information processing apparatus according to the present disclosure is characterized in that the product proposal unit proposes so as to be able to identify products that the user has already contracted.

[0013] A fifth aspect of the information processing apparatus according to the present invention is characterized in that the product is an insurance product, and the product proposal unit determines whether or not the user information satisfies the application conditions of the proposed insurance product.

[0014] A sixth aspect of the information processing apparatus according to the present invention further includes a re-proposal unit that re-proposes a product that matches the user's life stage information.

Advantages of the Invention

[0015] According to the first aspect of the present disclosure, among the user data collected from the access destination selected by the user, user information that the user consents to use is automatically acquired, so that products suitable for the current situation of the user can be proposed in a timely manner. Also, for the user, the sense of security regarding the provision of user data increases, and information on products of interest can be easily obtained.

[0016] According to the second aspect of the present disclosure, by using a learning model that outputs insurance matching the user information and the degree of matching, candidates for products suitable for the user's situation can be output with high accuracy.

[0017] According to the third aspect of the present disclosure, by using the fitness score output by the learning model, the user can easily determine to what extent the proposed product matches the current situation of the user.

[0018] According to the fourth aspect of the present disclosure, for products already contracted by the user, by displaying a score indicating the degree of fitness between the user information and the contracted products, it can be easily determined whether the products contracted in the past match the current situation of the user.

[0019] According to the fifth aspect of the present disclosure, when an insurance product matching the user information is proposed, it is possible to pre-determine whether the user satisfies the application conditions of the proposed insurance product, so that it is possible to save wasted time such as considering the product without realizing that it is an insurance product that the user cannot apply for.

[0020] According to the sixth aspect of the present disclosure, by timely proposing information on products suitable for the user's life stage, the user can easily obtain information on products that match the changes in their life. Also, for the side proposing the products, it is possible to obtain an opportunity to sell new products according to the user's life stage.

Brief Description of the Drawings

[0021]

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Mode for Carrying Out the Invention

[0022] <First Embodiment> The information processing apparatus according to the first embodiment of this invention will be described below with reference to the drawings. FIG. 1 is an overhead view showing an example of the overall configuration of a point processing and product proposal support system 1 to which an information processing apparatus (point processing server 2) according to a first embodiment of the present invention is applied.

[0023] (1) Overall configuration of the point processing and product proposal support system 1 The point processing and product proposal support system 1 shown in FIG. 1 includes, as an example, a point processing server 2, an X service system 3, an A service system 4, a B service system 5, and a user terminal 6 used by a user. Each component of the point processing and product proposal support system 1 is communicably connected via a network 7 such as the Internet. Note that the A service system 4 and the B service system 5 are examples of service systems, and other service systems may be connected to the network 7. Also, the point processing server 2 is not limited to a single server and may be configured by a plurality of servers.

[0024] The point processing server 2 is an information processing apparatus that supports a point service for issuing points associated with the sale of products or the provision of services and a service for proposing products to users. The A service system 4, the B service system 5, or the user terminal 6 is configured to be able to provide user data including health-related data and purchase-related data stored by each of them to the point processing server 2.

[0025] The point processing server 2 collects the user's user data from an access destination selected by the user among service systems such as the A service system 4 and the B service system 5 or the user terminal 6 (hereinafter also referred to as the "first access destination"), which are sources of various user data. Among the collected user data, the point processing server 2 acquires user information to which the user has consented to use, and calculates bonus points that can be used in the X service system 3 (hereinafter also referred to as the "second access destination"), which is the recipient of the bonus points, as a consideration for acquiring the user information. Further, the point processing server 2 proposes products that match the user information based on the user information to which the user has consented to use.

[0026] A service system is a system that provides services such as selling goods or providing services. For example, the A service system 4 is an example of a first access destination and is a system that can provide health-related data. The A service system 4 includes, for example, an A management device 41 that executes a processing function for realizing a hospital system, and an A database 42 that records health-related data of each user. The health-related data includes data that requires special consideration in its handling, such as the user's health examination information, medical treatment information, dispensing information, etc. The A service may be, in addition to the services provided by a hospital, for example, services provided by medical-related institutions such as clinics and pharmacies, health insurance associations, insurance companies, etc. The A service may be any service that can provide the user's health-related data, for example, services operated by a barbershop, beauty salon, or fitness club. The A service may or may not combine a point service.

[0027] The B service system 5 is another example of a first access destination and is a system that can provide purchase-related data. The B service system 5 includes, for example, a B management device 51 that executes a processing function for realizing a financial service, and a B database 52 that records purchase-related data of each user. The B service may be a service used by a user for settling goods, etc., such as a settlement service provided by a financial institution, or may be a service that sells goods to the user or provides services to the user. The B service may be, for example, a service used by a user for settling goods, etc., such as a credit settlement service, or may be a service that sells goods to the user by retailers such as department stores, supermarkets, convenience stores, virtual stores, etc., or a service that provides services to the user such as a delivery company. Note that such services used by the user in relation to purchases may or may not combine a point service.

[0028] The X service system 3 is a system that provides the X service, which is a point service. The X service system 3 is an example of a second access destination, and includes an X management device 31 that executes a processing function for realizing the X service, and an X database 32 that stores the points acquired by the user in the X service for each user. The X service is a service that also doubles as a point service. Note that the point service is, for example, a service in which when a member-registered user purchases a product or service, points are given to the user under conditions determined by the company according to the purchase amount or the number of visits to the store, etc., and the accumulated points can be exchanged for products or services at the next or subsequent visits, or used as payment when purchasing products or services. The management data of the points granted or used is generally stored in a portable terminal such as a point card or a smartphone, and is also transmitted from a store cash register terminal or a POS server to which the cash register terminal is connected to a point processing server and used for the management of member users. Specific examples of the point service include various types such as coupons, mileage, trading stamps, etc.

[0029] The user terminal 6 is an information processing device that is operated by the user and communicably connected to the point processing server 2 via the network 7. When the user terminal 6 has installed an application for recording the user's health status on the own terminal, health-related data (hereinafter also referred to as "OS-linked data") obtained by the application and managed by the operating system (OS) of the user terminal 6 can be provided to the point processing server 2. Further, the user terminal 6 can also provide health-related data input by the user, for example, image data obtained by photographing a health-related document such as a health examination certificate with the camera 64 of the own terminal, or text data such as blood pressure and body temperature input by the user from the input unit 68, to the point processing server 2. Thus, since the user terminal 6 is a provider of the user's health-related data, it can be the first access destination. In addition, as a user interface regarding product proposals provided from the point processing server 2, the user terminal 6 displays a product proposal screen on the display unit 69 to propose products to the user and accepts inputs from the user.

[0030] (2) Hardware configuration (2-1) Point processing server 2 The point processing server 2 includes a processor 21, a memory 22, a storage 23, a communication interface (communication I / F) 24, an input / output interface (input / output I / F) 25, and a bus 26 that connects these components.

[0031] The processor 21 controls the operation of the entire point - of - sale server 2. The processor 21 may be a general - purpose processor such as a CPU, MPU, GPU, etc., but is not limited to general - purpose processors and may also be a dedicated processor such as an ASIC or FPGA. The memory 22 is a main memory device and includes a RAM, etc. The storage 23 is an auxiliary storage device and includes non - volatile storage devices such as a hard disk drive (HDD) and a solid - state drive (SSD). The communication interface (communication I / F) 24 is a wired or wireless communication interface and is a module for communicating with external devices such as service systems 3 - 5 and user terminals 6 via the network 7. Note that the network 7 is, for example, the Internet and may include access networks such as LAN, WAN, mobile communication networks, wired telephone networks, FTTH, and CATV networks. The input / output interface (input / output I / F) 25 takes in input data from external devices and outputs output data to external devices.

[0032] (2 - 2) Service systems 3 - 5 The service systems 3 - 5 adopt various hardware configurations according to the services provided, but at least include a management device for managing the service system and a database that records user - specific data for providing each service.

[0033] (2 - 3) User terminal 6 The user terminal 6 includes a processor 61, a memory 62, a storage 63, a camera 64, a communication interface (communication I / F) 65, an input / output interface (input / output I / F) 66, a touch screen 67, and a bus 60 that connects these. Here, the storage 63 stores an operating system (OS), application programs, and various data. Also, the touch screen 67 includes an input unit 68 and a display unit 69. The user terminal 6 is, for example, a mobile terminal such as a smartphone, a tablet terminal, or a notebook personal computer. The user terminal 6 may also be a stationary computer such as a desktop personal computer.

[0034] (3) Functional configuration (3-1) Point processing server 2 FIG. 2 is a block diagram showing an example of the functional configuration of an information processing apparatus (point processing server 2) according to the first embodiment. The point processing server 2 of the present embodiment includes, as functional components, a control unit 210, a communication control unit 220, and a storage unit 230.

[0035] The communication control unit 220 controls communication between the point processing server 2 and external devices. The communication control unit 220 receives user data including the user's health-related data and purchase-related data from the first access destination according to an instruction from the control unit 210, and outputs the received user data to the control unit 210. Further, the communication control unit 220 transmits a notification regarding bonus points to the X service system 3 according to an instruction from the control unit 210. In addition, the communication control unit 220 controls data transmission and reception regarding product proposals between the point processing server 2 and the user terminal 6.

[0036] The storage unit 230 includes a my page information storage unit 231, a consent information storage unit 232, and a user information storage unit 233.

[0037] The my page information storage unit 231 stores at least information for accessing a first access destination that provides user data including the health-related data of a predetermined user, and information for accessing a second access destination that is a bonus point awarding destination. The my page information storage unit 231 stores the my page information of each user in association with the integrated account of each user. Note that the my page information also includes the individual login information of the service system associated with each service system selected as the first access destination.

[0038] The consent information storage unit 232 stores consent information indicating whether the user consents to the use of user data collected from the first access destination. In the first embodiment, as an example, the consent information storage unit 232 stores consent information indicating whether the user consents to the use of the user's health-related information. This consent information includes at least consent information regarding the data scope, usage, and destination of provision for which use is permitted. The consent information regarding the data scope for which use is permitted includes, for example, the consent / non-consent information of the predetermined user regarding the documents for which use is permitted or the inspection items for which use is permitted.

[0039] Here, "health-related information" means user information for which the user has consented to use among the health-related data, which is user data collected from the first access destination. "Use of health-related information" means obtaining, using, storing, providing, etc. of the health-related information. For example, it includes the point processing server 2 obtaining, storing, using for a certain purpose, or providing to a third party the health-related information for which the user has consented to use. Note that "collection" means collecting user data from the first access destination, and "acquisition" means, for example, the point processing server 2 recording and owning the user information for which the user has consented to use among the collected user data. Also, "user information" means the information for which the user has consented to use among the user data collected from the first access destination. The user information may include not only those for which the user explicitly consents to use, such as health-related information, but also those for which the user implicitly consents to use, such as purchase-related information.

[0040] The user information storage unit 233 stores the user information for which the user has consented to use among the health-related data obtained from the first access destination.

[0041] The control unit 210 functions as an account information registration unit 211, a user data collection unit 212, a masking processing unit 213, a bonus point calculation unit 214, a bonus point notification unit 215, and a product proposal unit 216 when the processor 21 executes a program stored in the memory 22.

[0042] The account information registration unit 211 is activated, for example, when registering as a member in the integrated account provided by the point processing server 2 or when updating the information of the registered integrated account. The account information registration unit 211 displays an input screen for setting the my page information and an input screen for setting the consent information, acquires the my page information and the consent information from the user, and associates the acquired my page information and consent information with the integrated account of the user and stores them in the my page information storage unit 231 and the consent information storage unit 232.

[0043] When the account information registration unit 211 logs in to the integrated account using the common login information of the integrated account pre-registered by the user, it displays an input screen for setting the my page information on the user terminal 6. On the input screen for the my page information, the user is made to register the individual login information of the service system that is the provider of the user's health-related data and purchase-related data, the information for collecting health-related data from the user terminal 6, the individual login information of the service system that will be the bonus point awarding destination, the information collection timing, the setting of the bonus point usage destination, etc. At this time, the individual login information of the service system that is the provider of the health-related data and purchase-related data of a predetermined user is stored in a state associated with the common login information for the integrated account.

[0044] When the user selects a service system as the first access destination that provides user data, the account information registration unit 211 displays an input screen for setting individual login information regarding the service system on the user terminal 6. Then, when the selected service system is a service system that provides health-related data, following the setting of the individual login information, an input screen for consent information is displayed on the user terminal 6 to set consent information corresponding to the selected service system. On the input screen for consent information, the user is made to register consent information as to whether the user consents to obtaining, using, storing, and providing the health-related data collected from the selected service system. Also, when the user selects the user terminal 6 as the first access destination that provides user data, similar to the case of a service system, an input screen for consent information is displayed on the user terminal 6, and consent information as to whether to consent to the use of this health-related data is pre-registered for the user in association with each of the OS-linked data, image data, and input data provided from the user terminal 6. Note that when the user terminal 6 is selected, an input screen for setting individual login information is not displayed.

[0045] In order to determine whether the service system selected by the user as the first access destination provides health-related data, it may be pre-registered whether the service systems that are options for the first access destination provide health-related data. Alternatively, when setting the individual login information for the service system, it may be determined from the name of the service system, the URL of the link destination, or the name of the document to be collected, etc. If it is determined that the service system selected by the user is a service system that provides health-related data, this determination result is stored. Note that when the user terminal 6 provides OS-linked data, image data, or text data, the user terminal 6 may be determined to be the first access destination that provides health-related data.

[0046] The user data collection unit 212 collects user data such as health-related data and purchase-related data of a predetermined user based on information for accessing the first access destination. Here, the health-related data of the predetermined user includes at least one of health-related data provided by a service system connected to the network 7, health-related data linked to the OS of the user terminal 6 of the predetermined user, or health-related data input by the predetermined user. The information for accessing the first access destination includes individual login information of the service system and information for accessing the user terminal 6. The user data collection unit 212 is activated in response to satisfying the condition of the information collection timing set in the my page information.

[0047] The user data collection unit 212 collects user data such as health-related data or purchase-related data of the user from each of one or more first access destinations selected by the user in the my page information. The user data collection unit 212 accesses each of one or more service systems corresponding to the individual login information linked to the common login information of the predetermined user based on the my page information, and collects user data including the health-related data or purchase-related data of the user. In addition, the user data collection unit 212 sends a transmission request for OS-linked data to the user terminal 6, and collects the corresponding health-related data (OS-linked data) from the user terminal 6. Further, the user data collection unit 212 sends a transmission request for image data to the user terminal 6, and collects image data obtained by photographing a health certificate or the like from the user terminal 6, or sends a transmission request for health-related text data input by the user to the user terminal 6, and collects health-related text data from the user terminal 6.

[0048] For user data containing health-related data obtained from a service system or user terminal 6 that provides health-related data, as a subsequent processing step, the masking processing unit 213 applies processing. On the other hand, for purchase-related data collected from a service system that provides purchase-related data, the collected purchase-related data is stored in the user information storage unit 233 as the user's purchase-related information without applying the processing by the masking processing unit 213, and the processing by the bonus point calculation unit 214 is applied as a subsequent processing step.

[0049] Based on the consent information, the masking processing unit 213 masks data in the health-related data of a predetermined user that the predetermined user does not consent to use. That is, the masking processing unit 213 masks health-related data in the user data including health-related data collected from a service system or user terminal 6 that provides health-related data, for which the user has not consented to acquisition, use, storage, provision, etc., so that it is not handled in subsequent processing.

[0050] As the masking process, for each of the health-related data collected from a service system or user terminal 6 that provides one or more health-related data, based on the consent information preset by the user, mask information is generated for data that the user does not consent to use, that is, data corresponding to documents or test items that the user does not consent to use. Next, the collected health-related data is matched with the mask information. Then, masking is performed on the data in the health-related data that matches the mask information. In masking, for example, the health-related data corresponding to the mask information may be deleted from the collected health-related data, or may be replaced with dummy data. Then, the point processing server 2 records the health-related data from which the data not used by the user has been deleted by masking in the user information storage unit 233 as the health-related information of the user.

[0051] The bonus point calculation unit 214 calculates bonus points that can be used at the second access destination as a consideration for obtaining each of the user information including health-related information to which the user has agreed to use and the user information including purchase-related information among the user data obtained from one or more first access destinations. The bonus point calculation unit 214 has a function of calculating bonus points using different calculation criteria according to whether the obtained user information is health-related information or purchase-related information.

[0052] When the bonus point calculation unit 214 calculates bonus points as a consideration for obtaining health-related information, it calculates the bonus points that can be used at the second access destination based on the consent information. For example, based on the consent information, it calculates the bonus points corresponding to the amount or usage mode of the health-related information to which a predetermined user has agreed to use. In addition, the bonus point calculation unit 214 may calculate bonus points not only based on the consent information but also based on the usage destination of the bonus points set in the my page information.

[0053] When the bonus point calculation unit 214 calculates bonus points as a consideration for obtaining purchase-related information, it calculates the bonus points according to at least one element of the type of information, the degree of detail of the information, the amount of information, and the amount of money included in the obtained purchase-related information and the point assignment rate preset corresponding to the element. For example, a conversion coefficient corresponding to the purchase-related information is preset in advance, and the bonus point calculation unit 214 calculates the product of the amount of money of the product or the like shown in the purchase-related information and the conversion coefficient, or calculates the product of the amount of information of the purchase-related information and the conversion coefficient to calculate the bonus points.

[0054] In addition, when Service A or Service B is a service that also doubles as a point service, even if a bonus point is granted to a predetermined user, the points already acquired by the predetermined user in Service A or Service B are maintained. That is, when the bonus point calculation unit 214 acquires user information and calculates bonus points, no point exchange process is performed between Service A and Service X, or between Service B and Service X. Only the calculation of bonus points for the service designated as the point grant destination is performed. As a result, even if a bonus point is granted to the user's point account in Service X based on the user information related to Service A or Service B, the points already acquired by the user in Service A or Service B are maintained as they are.

[0055] The bonus point notification unit 215 notifies the calculated bonus points to the second access destination. The bonus point notification unit 215 generates a notification for causing the bonus points calculated by the bonus point calculation unit 214 to be granted to the user's point account, and executes a process of transmitting this bonus point notification from the communication control unit 220 to the X service system 3. Note that the individual login information for logging in to the X service system 3, specified by the my page information, is used for the transmission process. The X service system 3 that has received the bonus point notification performs a process for adding the calculated bonus points as usable bonus points in the X service provided by the X service system 3.

[0056] The product proposal unit 216 executes a service for proposing products suitable for the user based on the health-related information to which the user has agreed to use. Examples of the product proposal service include a service for recommending health-related products according to the user's health condition, a service for recommending foods for improving the user's health condition, a service for recommending insurance for covering diseases predicted from the user's health condition, and the like.

[0057] The product proposal department 216 may propose products that match the health-related information by adopting the same configuration as in the second embodiment, using a learning model that is trained to input health-related information consented to by the user and output one or more products that match the health-related information and a compatibility score indicating the degree of such compatibility. Further, the product proposal department 216 may re-propose products that match the user's lifestage information.

[0058] (3-2) User terminal 6 The user terminal 6 displays an input screen for my page information and consent information according to an instruction from the point processing server 2, and transmits the my page information and consent information input by the user to the point processing server 2. Further, the user terminal 6 displays, for example, a product proposal screen illustrated in FIG. 9 according to an instruction from the point processing server 2, and transmits the content of the input operation to the point processing server 2 when there is an input operation from the user.

[0059] The application installed on the user terminal 6 that records the user's health status acquires the user's health-related data and records it in the storage 63 in the user terminal 6. The health-related data recorded in the user terminal 6 includes various health-related data of the user, such as biometric data such as height, weight, blood pressure, and pulse, as well as exercise data such as the number of steps and the number of floors climbed, or sleep data. Here, biometric data such as height, weight, blood pressure, and pulse may be input by the user, or exercise information such as the number of steps and the number of floors climbed may be automatically recorded by a sensor provided in the user terminal 6. The data recorded in the user terminal 6 by the health application is managed by the OS of the user terminal 6 as OS-linked data and transmitted to the external device according to a request from the external device.

[0060] In addition, the user terminal 6 acquires these health-related data by having the user capture an image of the paper of the health diagnosis result with the camera 64 of the user terminal 6 or input text data such as blood pressure and weight through the touch panel. Then, these health-related data are transmitted from the user terminal 6 to the external device upon a request from the external device.

[0061] (4) Operation of the point processing server 2 An example of the operation of the point processing server 2 according to the first embodiment will be described. First, the point processing server 2 executes an account information registration process for setting the user's account information and predetermined setting information, and then executes a bonus point and product proposal process.

[0062] (4-1) Account information registration process The account information registration process includes a registration process of my page information including linking the individual login information of the service system that desires to be managed in integration with the common login information, and a registration process of consent information as to whether the user consents to the use of health-related data, that is, consent information as to whether the user consents to the acquisition, use, storage, provision, etc. of health-related information.

[0063] (4-1-1) Registration process of my page information FIG. 3 is a diagram showing an example of an input screen of my page information presented by the information processing apparatus (point processing server 2) shown in FIG. 2.

[0064] The input screen for the my page information in FIG. 3 is displayed, for example, on the touch screen 67 of the user terminal 6. When a login request is received from the user, the point processing server 2 causes the user terminal 6 to display the integrated account login screen shown in FIG. 3(A). Then, on this screen, when the user enters the user ID and password, the point processing server 2 performs user authentication based on the entered user ID and password. As a result of this authentication process, if the legitimacy of the user is confirmed, the point processing server 2 causes the user terminal 6 to display an input screen for setting the my page information corresponding to the user ID. Note that the user ID and password are assumed to be those registered at the time of membership registration or renewal registration for the integrated account.

[0065] FIG. 3(B) is an input screen for setting my page information, and includes areas (a) to (c) for setting information for accessing the first access destination which is the provider of user data, an area (d) for setting the information collection timing, an area (e) for setting information for accessing the second access destination which is the recipient of bonus points, and an area (f) for setting the usage conditions of bonus points.

[0066] "Service system setting" (a) is an input screen for the user to select a desired service system from the service systems displayed as options. As options, A medical institution, B health insurance, C pharmacy, D point service, and E bank, which are predetermined representative service systems, are displayed. However, for example, based on the current location information of the user terminal 6, service systems that are geographically close may be displayed. Also, if the service system desired by the user is not displayed, by pressing the "Reference" button, other service systems may be displayed. When the desired service system is selected in "Service system setting" (a), an input screen for individual login information for logging in to the service system is displayed.

[0067] Figure 4 is an example of an input screen for individual login information presented by the information processing apparatus (point processing server 2) shown in Figure 2.

[0068] The input screen for individual login information in Figure 4 is displayed on the touch screen 67 of the user terminal 6. The input screen for individual login information in Figure 4 is displayed, for example, when A medical institution is selected in "Service System Settings" (a) of the my page information, and is configured to allow input of the access destination URL, login ID, and password of the service system related to the A medical institution. The point processing server 2 causes the user terminal 6 to display a "Promise" button for requesting the user's promise regarding collecting user data including health-related data from the A medical institution. Then, on this input screen, when the user presses the "Promise" button, the point processing server 2 includes the access destination URL, login ID, password, and promise information of the service system related to the A medical institution in the my page information as individual login information of the service system and stores it. Note that depending on the service system, personal identification information may be required at the time of login. This personal identification information may be input at the entry step after logging in to the service system, or may be set in advance as my page information if the service system accepts pre-registration of personal identification information.

[0069] Here, if it is pre-registered that the A medical institution is a service system that provides health-related data, or if it is determined from the name of the A medical institution or the content of the link destination input on the input screen for individual login information, in response to the user's promise to collect user data from the A medical institution, an input screen for setting consent information on whether the user agrees to the use of health-related data is displayed as described later.

[0070] "OS Link Data Setting" (b) is an input screen for setting the OS link data recorded on the user terminal 6, and L health check app data, M step count app data, and N sleep app data are displayed as options. When the user selects the L health check app data as the first access destination, the point processing server 2 sends a data transmission request to the OS of the user terminal 6 in order to obtain the L health check app data collected by the L health check app as the OS link data at the information collection timing. Even when "OS Link Data Setting" (b) is selected, an input screen for setting consent information as to whether the user consents to the use of health-related data is displayed.

[0071] In "Other Input Settings" (c), options of "Image Transmission" and "User Input" are displayed. "Image Transmission" means that the user transmits image data such as a health check document captured by the camera. "User Input" means that the user inputs text data indicating values such as blood pressure and body temperature. Even when "Other Input Settings" (c) is selected, an input screen for setting consent information as to whether the user consents to the use of these health-related data is displayed.

[0072] "Information Collection Timing" (d) is an input screen for setting the information collection timing for accessing the first access destination and collecting user data. As the information input timing, one or more of "Integrated Account Login", "Regular (monthly)", "Date Specified (year / month / day)", and "Linked with Scheduler" can be specified. In the setting of linking with the scheduler, the collection timing of user data can be linked with the scheduler installed on the user terminal 6. For example, if A medical institution is set in "Service System Setting" (a) and the visit date to A medical institution is recorded in the scheduler of the user terminal 6, the point processing server 2 can obtain this visit date from the scheduler of the user terminal 6 and collect health-related data from the service system of A medical institution according to the visit date.

[0073] "Bonus Point Assignment Destination Setting" (e) is an input screen for setting the service system of the bonus point assignment destination, which is the second access destination. The user can select whether to assign the bonus points calculated as the consideration for providing the user information to either the X Point Service or the Y Point Service. In addition to the point services displayed in advance, the assignment destination of the bonus points may be selectable from other point services by pressing the "Reference" button.

[0074] "Bonus Point Usage Condition Setting" (f) is an input screen for setting what to use the bonus points granted as the consideration for user information. With this input screen, it is possible to register using the bonus points only for "health-related products" or "only at R Stores", etc., that is, using the granted bonus points only for specific products, services, or stores. Furthermore, the desired usage destination may be selected from the usage destinations within the preset range by the "Reference" button. In addition to displaying conditions such as "use only for health-related products" or "use only at R Stores", "bonus 1.5 times" or "bonus 2 times" may also be displayed. By displaying on the my page that the value or multiplier of the bonus points is increased, it is possible to increase the incentive for the user to provide health-related information or purchase health-related foods. Furthermore, for the operator of the point processing service, an increase in sales of specific products, services, or stores can also be expected.

[0075] (4-1-2) Registration process of consent information Figure 5 is a diagram showing an example of an input screen for consent information presented by the information processing apparatus (point processing server 2) shown in Figure 2. The consent information input screen in FIG. 5 is displayed, for example, on the touch screen 67 of the user terminal 6 in response to the selection of the service system that provides health-related data in FIG. 3 and the pressing of the "Permission" button on the individual login information input screen in FIG. 4. On the consent information input screen, the user can specify the scope of data for which permission is granted, the usage method / purpose, the destination of provision, etc. as the content for which the user consents to use. For example, for each of the items such as "Documents for which permission is granted to use", "Inspection items for which permission is granted to use", "Usage method of the acquired information", "Destination of the acquired information", options that can be selected by the user are displayed. Note that the consent information input screen in FIG. 5 may be displayed at a time point different from the setting of individual login information, for example, in response to a request for confirmation of consent information from the user or a request for change of registered content.

[0076] Examples of the "Documents for which permission is granted to use" include "Health examination results, medical records, surgical records, anesthesia records, examination records, prescriptions, medicine notebooks, medication histories, dispensing records, all" documents, and the user checks the documents for which permission is granted to use among these. Examples of the "Inspection items for which permission is granted to use" are the inspection items described in the documents for which permission is granted to use, and options such as "Past history, work history, subjective / objective symptoms, height, weight, chest circumference, vision and hearing, chest X-ray, blood pressure, anemia, liver function, blood lipids, blood sugar, electrocardiogram, all" are presented. Options such as "Market analysis, promotion, medical statistics, product proposal, all" are presented as the "Usage method of the acquired information". Options such as "Store A, Insurance Company B, Supermarket C, Medical Institution D, Pharmacy E, all" are presented as the "Destination of the acquired information".

[0077] The user checks the options for which they consent to use among the various options presented on the consent information input screen. Then, when the checking of the options is completed and the "Consent" button is pressed, with respect to the items selected by the user, it is determined that the user has consented to the use of health-related data, and the determined consent information is stored in the consent information storage unit 232 in association with the corresponding service system. Needless to say, instead of checking the options for which consent is given, the options for which consent is not given may be checked. Here, when the "Cancel" button is pressed, the data collected from Medical Institution A will neither be acquired nor used by the point processing and product proposal support system 1. At this time, the selection of Medical Institution A may be cancelled from "Service System Settings" (a) of the my page information.

[0078] On the input screen of the my page information in FIG. 3, when "OS Linkage Data Setting" (b) or "Other Input Settings" (c) is selected, the consent information input screen in FIG. 5 is displayed without displaying the input screen for individual login information in FIG. 4. Then, for each of the items such as "Documents Permitting Use", "Inspection Items Permitting Use", "Usage Method of the Acquired Information", and "Destination of the Acquired Information" displayed on the consent information input screen, it is registered whether the user consents to the use of health-related information, and the registration result is stored in the consent information storage unit 232 in association with the item selected in "OS Linkage Data Setting" (b) or "Other Input Settings" (c).

[0079] In addition, if it is known in advance what health-related data will be collected from "OS Linkage Data Setting" (b) or "Other Input Settings" (c), in response to the selection of the access destination in "OS Linkage Data Setting" (b) or "Other Input Settings" (c) without using the consent information input screen in FIG. 5, the user's consent information may be stored in the consent information storage unit 232 on the assumption that the user has consented to the use of these user data.

[0080] For example, when "L Health Examination App Data" is selected in the "OS Link Data Setting" (b) of the input screen for my page information, or when "Image Transmission" or "User Input" is selected in the "Other Input Settings" (c), it may be regarded that consent has been obtained for "Health Examination Results" as the "Document Allowing Use" and for "Height, Weight, Chest Circumference, Vision, and Hearing" as the "Examination Items Allowing Use", and the consent information storage unit 232 may automatically register the consent information. Alternatively, instead of a configuration in which the user's consent information is registered in advance when setting the "OS Link Data Setting" (b) or the "Other Input Settings" (c), each time the point processing server 2 transmits a data transmission request to the user terminal 6 to collect the corresponding user data, the point processing server 2 may request the user for consent regarding the use of health-related data, and when consent is obtained, register the consent information in the consent information storage unit 232.

[0081] (4-2) Outline of Bonus Point and Product Proposal Processing When the control unit 210 determines that the information collection timing set in the my page information has arrived, it executes the bonus point and product proposal processing. That is, for health-related data, the control unit 210 executes each process of user data collection, masking processing, bonus point calculation, bonus point notification, and product proposal. On the other hand, for purchase-related data, the control unit 210 executes each process of user data collection, bonus point calculation, and bonus point notification. In this way, for purchase-related data, the bonus point processing operation for purchase-related information is executed without performing masking processing. Also, it is explained that the product proposal processing is not executed for purchase-related information.

[0082] (4-2-1) Bonus Point and Product Proposal Processing Operation for Health-Related Information FIG. 6 is a flowchart for explaining an example of the bonus point and product proposal processing operation of health-related information in the information processing apparatus (point processing server 2) according to the first embodiment.

[0083] When the control unit 210 determines that it has matched the information collection timing set in the my page information (step S61: YES), it executes bonus point - product proposal processing (steps S62 to S66). On the other hand, when it is determined that it is not the information collection timing (step S61: NO), the process ends. In the bonus point - product proposal processing, first, user data including health - related data or purchase - related data is collected from each of one or more first access destinations set in the my page information (step S62). The control unit 210 executes a masking process for obtaining health - related information to which the user has agreed for the health - related data collected from each first access destination (step S63), and then executes bonus point calculation (step S64) and bonus point notification (step S65). The control unit 210 executes product proposal processing for proposing products suitable for the user using the health - related information to which the user has agreed (step S66).

[0084] In the user data collection step (step S62), the control unit 210 obtains the common login information for the integrated account of the user. When the common login information is obtained, using the common login information as a key, the individual login information of the A service system 4 and the B service system 5 registered in the "service system settings" (a) is obtained. In addition, the "bonus point awarding destination settings" (e) is referred to, and the individual login information for logging in to the X service is obtained.

[0085] Next, the control unit 210 accesses the A service system 4 and the B service system 5 based on the individual login information corresponding to each of the A service system 4 and the B service system 5 registered in the "service system settings" (a), and collects user data including health - related data or purchase - related data. Here, the A service system and the B service system are taken as examples for explanation, but user data collection is similarly performed for all service systems set in the "service system settings" (a).

[0086] The control unit 210 collects user data including health-related data about the user from the A database 42 of the A service system 4. Also, the control unit 210 collects user data including purchase-related data about the user from the B database 52 of the B service system 5. At this time, for collecting user data from the A service system 4 and the B service system 5, for example, a scraping engine can be used. When collecting user data in the data collection step (step S62), for example, only the user data recorded after the previous collection timing may be collected.

[0087] When "OS-linked data" (b) is set in the my page information, the point processing server 2 accesses the user terminal 6 of the user and requests the provision of health-related data held by the user terminal 6. For example, when "L health check app data" is set in "OS-linked data" (b), the point processing server 2 requests the user terminal 6 of the user to transmit the L health check app data. In response to the data transmission request from the point processing server 2, the user terminal 6 transmits the L health check app data to the point processing server 2.

[0088] When the "Other Input Settings" (c) of the My Page information is set, the Point Processing Server 2 sends a request to the User Terminal 6 to transmit health-related data based on the input settings. For example, when "Image Transmission" is set, the Point Processing Server 2 requests the User Terminal 6 to transmit image data obtained by imaging the health diagnosis result with a camera. Also, when "User Input" is set, the Point Processing Server 2 requests the User Terminal 6 to transmit text data of health-related data input by the user operation. The User Terminal 6 prompts the user to image health-related documents with a camera or input text in response to the data transmission request from the Point Processing Server 2, and transmits the captured image data or the input text data to the Point Processing Server 2. Note that when such image data or text data is previously recorded in the User Terminal 6, the prompting process is not necessary.

[0089] Next, the control unit 210 extracts the user data collected from the first access destination(s) that provides health-related data among the user data collected from one or more first access destinations, and executes a masking process (step S63). The control unit 210 reads out the consent information associated with the extracted user data from the consent information storage unit 232. Based on the consent information, for example, data regarding "documents for which use is permitted" and "examination items for which use is permitted" are read out as the data range permitted by the user for use. From this data, documents and examination items for which the user has not consented to use are extracted, and the extracted items of non-consent are set as masking information. The control unit 210 performs matching between the health-related data included in the collected user data and the masking information, and executes a masking process for the documents and examination items corresponding to the masking information. In the masking process, for example, information corresponding to the masking information is deleted from the health-related data, or replaced with other dummy data, and the masked health-related data is recorded in the user information storage unit 233 as health-related information to which the user has consented to use. When recording the health-related information in the user information storage unit 233, high security may be realized in sharing and storage, such as by imposing strict access restrictions.

[0090] Next, the control unit 210 executes a bonus point calculation step (step S64) for the health-related information acquired from each first access destination. The control unit 210 calculates the bonus points that can be used in the X service provided by the X service system 3 based on the consent information or the my page information. The said bonus points are given as a consideration for acquiring the health-related information to which the user has consented to use. At this time, when the A service is a service that also doubles as a point service, the said calculation process is executed while maintaining the points acquired by the user in the A service stored in the A database 42 of the A service system 4.

[0091] FIG. 7 is a flowchart for explaining an example of the operation of calculating points for health-related information in the information processing apparatus (point processing server 2) of the first embodiment.

[0092] When the point processing server 2 calculates bonus points for health-related information, it acquires the consent information preset for each of the first access destinations that provide health-related information from the consent information storage unit 232 (step S71), and for each of the health-related information acquired from the first access destinations, it performs point calculation based on the amount of information of the health-related information (step S72), point calculation based on the usage mode of the health-related information (step S73), and point calculation based on the usage conditions of the bonus points (step S74). Then, the results of the bonus point calculations calculated for each of the health-related information acquired from the first access destinations are totaled to determine the bonus points for the health-related information (step S75).

[0093] In the point calculation based on the amount of health-related information (step S72), the control unit 210 calculates bonus points according to the number of types of health-related information, the number of examination items, or the weights of the bonus points associated with the types of information or examination items. At this time, a correspondence table in which the bonus point values corresponding to the respective documents and items are preset may be prepared for each document of the "documents permitting use" set as consent information and each examination item of the "examination items permitting use". For example, for the "documents permitting use", the health examination result is set to 10 points, the prescription notebook is set to 8 points, etc., and for the "examination items permitting use", the blood pressure is set to 0.1 point, the liver function is set to 0.2 point, etc. When the user consents to the use of these documents and examination items, the bonus points corresponding to the amount of health-related information can be calculated by adding the bonus point values such as health examination result 10 + prescription notebook 8 + blood pressure 0.1 + liver function 0.2, etc.

[0094] In the point calculation step (step S73) based on the usage mode related to health, the control unit 210 can calculate bonus points according to the usage mode or usage value such as the data range, usage purpose / usage, or destination of provision of health-related information by combining the "document permitting usage", "examinable items that may be used", "usage method of the obtained information", and "destination of the obtained information" set in the consent information. The usage value of health-related information varies depending on its usage mode such as its usage method and destination of provision. For example, when Store A is promoting the sale of health foods related to blood pressure, if both "promotion" is checked as the "usage method of the obtained information" and "Store A" is checked as the "destination of the obtained information", the point value or point rate may be increased as the usage value of the health-related information is high. Alternatively, when Insurance Company B is attempting to perform insurance benefit prediction using the test results of BMI, blood pressure, and liver function, if a health check result is used as the "document permitting usage", items including height, weight, blood pressure, and liver function are used as the examinable items permitting usage, and Insurance Company B is checked as the "destination of the obtained information", the point value or point rate can be set high as the usage value of the health-related information is high.

[0095] Furthermore, in the point calculation step (step S74) based on the usage conditions of the bonus points, the control unit 210 may calculate the bonus points based on the "bonus point usage condition setting" (f) in the my page information. That is, when bonus points are granted, the bonus points can be calculated according to the usage conditions such as what the user uses the bonus points for or at which store the user uses them. For example, when the bonus point usage condition is set to "usable only for health-related products", the bonus points can be multiplied by 1.5, and when it is set to "usable only at Store R", they can be multiplied by 2.0. This can provide an incentive for the user to purchase health-related products, thus expecting an increase in sales at stores handling health-related products and contributing to the improvement of the user's health.

[0096] In the bonus point notification step (step S75), the control unit 210 generates a notification for awarding the calculated bonus points to the point account related to the user's X service system 3, and transmits this bonus point notification from the communication control unit 220 to the X service system 3. Note that the individual login information of the corresponding user for logging in to the X service, which is set in "(e) Bonus point awarding destination setting" of the my page information, is used for the bonus point notification. In the bonus point notification step (step S75), the bonus points related to the health-related information and the bonus points related to the purchase-related information may be added together and notified.

[0097] When the control unit 210 executes a series of bonus point processes, it executes a product proposal process suitable for the user based on the health-related information to which the user has agreed to use (step S66). Note that the product proposal process may be executed at any other timing after the health-related information of the user is acquired.

[0098] As an example of the product proposal process, there is a service that recommends products according to the user's health condition. According to the health condition of the user determined from the health-related information, products that are expected to improve the health condition can be recommended. For example, since the health condition such as high blood pressure, metabolic tendency, and fat tendency can be determined from the user's health-related information, products such as foods with expected effects on such health conditions, for example, foods for specified health use and foods with functional claims, may be recommended. This can not only propose to improve the user's health, but also lead to the promotion of the sales of products such as foods for specified health use and foods with functional claims.

[0099] As another example of product proposal processing, by analyzing the user's purchase-related information together with the health-related information obtained by the information processing apparatus according to the first embodiment, it is also possible to recommend foods for improving the user's health condition. For example, extract the foods that the user frequently purchases daily from the user's purchase-related information, extract the user's health condition from the health-related information, and analyze whether the foods that need to be ingested to improve the user's health condition are included in the foods purchased daily. Then, according to the analysis result, it may be possible to recommend foods that should be purchased for health to the user, or present menus made from these foods. Furthermore, when it can be determined from the user's purchase-related information that the user has purchased the recommended foods, additional bonus points may be given. Thereby, not only can the user's health promotion be improved, but also the incentive for purchase can be enhanced.

[0100] As yet another example of product proposal processing, it is also possible to predict the user's future diseases using the obtained health-related information of the user and recommend insurance that can cover such diseases. Thereby, the anxiety about the user's future health can be alleviated. Regarding the mechanism for recommending insurance, the configuration of the product proposal support apparatus in the second embodiment described later may be adopted.

[0101] (4-2-2) Bonus Point Processing Operation for Purchase-Related Information Regarding purchase-related information, the same processing as the health-related information in FIG. 6 is executed, but it is described that masking processing and product proposal processing are not executed. That is, in the bonus point processing operation for purchase-related information, purchase-related data is collected as user data from the access destination selected by the user, and it is described that bonus point calculation processing and bonus point notification processing are executed. Hereinafter, the bonus point calculation processing according to purchase-related information will be described.

[0102] First, an example will be described where settlement information is obtained as purchase-related information. The settlement information is managed, for example, with information on each product purchased by the user in a single purchase being treated as one record. One record includes the date and time when the user made the settlement, the store name (including virtual stores), the amount, and so on. Note that the settlement information may include, for example, the product name and point information of the settled products for each record.

[0103] The calculation process of the bonus points is executed, for example, based on the amount indicated by each record of the settlement information. For example, a first conversion coefficient for converting the amount indicated by each record of the settlement information into bonus points is read, and the total of the product of the amount indicated by each record and the first conversion coefficient is calculated to obtain the bonus points.

[0104] On the other hand, the calculation process of the above bonus points may be executed based on the amount of information in the settlement information. For example, a second conversion coefficient for converting the amount of information in the settlement information into bonus points is read, and the product of the total number of records in the settlement information and the second conversion coefficient is calculated to obtain the bonus points.

[0105] Note that the values of the first and second conversion coefficients may be set to different values according to the service provided by the source of the settlement information. Also, for records that show not only the date and time when the user made the settlement, the store (including virtual stores), and the amount, but also the product name of the settled products, etc. in each record of the settlement information, the values of the first and second conversion coefficients may be set higher.

[0106] That is, the values of the first and second conversion coefficients may be set high or low according to the amount of information for each record or the type of information included in each record. Further, the first and second conversion coefficients may be set to different values according to a period such as the year or month in which the settlement for each record of the settlement information was made. Note that the first and second conversion coefficients and the method for calculating the bonus points may be set to be in other modes different from those described above.

[0107] In the above description, the calculation process of the bonus points when settlement information is acquired as purchase-related information has been described. However, even when other purchase-related information such as information indicating the order history of goods, information indicating the registration status of goods under consideration for purchase, or information indicating the registration status for receiving services is acquired, the same processing as in the case of the above-described settlement information may be executed.

[0108] For example, other purchase-related information also includes information about each product, etc. in each record. The information indicating the order history of goods includes, for each record, the date and time when the user placed an order, the name of the goods, the amount, and the delivery location, etc. Further, the information indicating the registration status of goods under consideration for purchase includes, for example, for each record, the date and time when the user registered, the name of the goods, and the amount, etc. Finally, the information indicating the registration status for receiving services includes, for example, for each record, the type of service, the frequency of receiving that service, the gender and age of the user, and the address of the user, etc.

[0109] When calculating bonus points based on this purchase-related information, similar to the case of settlement information, it may be executed based on the amount of goods or the like shown in the acquired purchase-related information, or it may be executed based on the amount of information such as the total number of records in the acquired purchase-related information. Also, in the calculation process, the conversion coefficient used may be set to different values according to the service from which the purchase-related information is acquired, similar to the case described above, or it may be set according to the amount of information for each record or the type of information included in each record. Furthermore, different values may be set according to the date and time information shown in the purchase-related information.

[0110] As described in detail above, according to the first embodiment of the present invention, among the user data collected from the access destination selected by the user, by automatically acquiring the user information to which the user consents to use, it is possible to timely propose products suitable for the user's current situation. Also, for the user, the sense of security regarding the provision of user data is increased, and information on products of interest can be easily obtained. Furthermore, since bonus points are given as a reward for providing one's own health-related data, the motivation to provide health-related data can be further enhanced.

[0111] (Modification Example 1) In the first embodiment, the case where the point processing server 2 uses a scraping engine to collect user data has been described as an example. However, it is not limited to this, and it may be configured to collect user data managed by each service system by the point processing server 2 using the Application Programming Interface (API) provided by the service system that operates each service serving as an information provider. Generally, APIs include an authentication API and a data-providing API. By using these APIs in combination, it is possible to collect information about the user on the point processing server 2 after performing user authentication.

[0112] (Modification Example 2) In the first embodiment, it was assumed that the health-related information includes information that requires special consideration in its handling, such as health examination information, medical treatment information, and dispensing information. However, even for user information that includes information that requires some consideration in its handling but is other than health-related information, when collecting such user information, similar to the health-related information, the consent information setting process (Fig. 5), bonus point process (Fig. 6), bonus point calculation process (Fig. 7), and product proposal process may be adopted. For example, when it is necessary to consider the use of purchase-related data collected from the B service system, similar to the point and product proposal process operation of the health-related information in Fig. 6, for the collected purchase-related data, through masking processing, obtain the purchase-related information that the user consents to use as user information, calculate the bonus points, and execute the process of notifying the bonus points. Furthermore, based on the obtained purchase-related information, a process of proposing products suitable for the user may be executed.

[0113] Furthermore, it may be configured to collect data other than health-related information and purchase-related information and execute the bonus point process and the product proposal process. For example, the service system may be any service system that can provide user data on the network, such as a financial service system that can provide the user's savings data or a securities service system that can provide the user's stock data. And for the user data collected from these arbitrary service systems, masking processing, bonus point calculation processing, bonus point notification processing, and product proposal processing may be executed.

[0114] (Modification Example 3) In the first embodiment, an example of collecting user data from the service system that is the information provider was described. However, as user data, for example, questionnaire response information, information on events, tourist destinations, etc., road congestion information, or information on the user's tweets on any topic may be obtained. Also, when obtaining information from multiple services, not only limited to information of the same type, but different types of information may be obtained collectively.

[0115] (Modification Example 4) In the information processing apparatus according to the first embodiment, user data is collected from a service system serving as an information provider based on individual login information associated with common login information in the integrated account of each user. However, the means for collecting user data may be configured as follows.

[0116] That is, when the information collection timing arrives, the first individual login information for the service system that holds the user data and the second individual login information for the service system that holds the point account to which the bonus points are to be credited are acquired. Then, user data is collected based on the first individual login information, and bonus points are calculated based on the user information to which the user has consented to use among the collected user data. Then, based on the second individual login information, a notification of the calculated bonus points is transmitted to the management device of the service system that holds the point account of the destination.

[0117] Note that the acquisition process of the first and second individual login information is, for example, to acquire the first and second individual login information input by the user to the user terminal 6. When using such individual login information, a wide range of information such as user data related to any service can be acquired. Also, bonus points can be credited to the point account related to the service that the user desires each time.

[0118] Further, for example, only the common login information may be used to log in to a plurality of services that are the providers of user data, and the individual login information may be used to log in to the service system that holds the point account to which the bonus points are to be credited. Also, the respective individual login information may be used to log in to a plurality of service systems that are the providers of user data, and the common login information may be used to log in to the service system that holds the point account to which the bonus points are to be credited.

[0119] (Modification Example 5) In the first embodiment, the case where the individual login information of each service system used by the user, the user data related to each service, and the scraping engine for user data collection are managed within the point processing server 2 was described as an example. However, it is not limited thereto, and the individual login information of each of the above service systems, the user data related to each service, and the scraping engine may be managed on the user terminal 6, or may be distributed and managed between the point processing server 2 and the user terminal 6 or the service system to which the bonus points are given.

[0120] For example, the information processing apparatus, information processing method, and computer program according to the first embodiment may be realized by the user terminal 6, and the user terminal 6 may realize the same services as the point processing server 2. That is, the account information registration process including the registration process of the my page information (Figs. 3 and 4) and the registration process of the consent information (Fig. 5) described in the first embodiment, and the user data collection, masking process, bonus point calculation, and bonus point notification when the information collection timing of the user data arrives, such as bonus point processing, and the product proposal process (Fig. 6) may be executed by the user terminal 6. Alternatively, while the user terminal 6 manages the bonus point processing, the user data collection among them may be distributed and processed to the server that executes the scraping engine. At this time, the user terminal 6 may provide the individual login information of the service system that is the first access destination to the scraping engine.

[0121] Also, in the first embodiment, the point processing server 2 calculates bonus points and transmits a notice for granting the calculated bonus points to the service server of the bonus point recipient. However, not limited to this, the point processing server 2 only performs the process of collecting user data from the service system of the information provider, transmits the collected user information together with the consent information to the service server of the bonus point recipient, and the service server calculates bonus points according to the received user data and consent information and grants them to the corresponding user's points, and may perform the process of proposing products.

[0122] That is, not all of the processing functions of the point processing server 2 necessarily need to be provided within the point processing server 2, and they may be configured to be distributed among the user terminal 6, the service system of the information provider, and the service system that grants bonus points. That is, the present invention includes not only the case where it is realized by a single device, but also the case where it is realized by a system including a plurality of devices.

[0123] (Modification Example 6) When there are multiple point services that are candidates for the recipient of bonus points, the point processing server 2 manages the current point granting rate for the corresponding users of each point service. Then, it selects the point service with the highest point granting rate at the current time, calculates bonus points according to the point granting rate of the selected point service server, and transmits an instruction to grant the calculated bonus points to the selected point service. By doing so, when the user has multiple point services in use, it becomes possible to grant bonus points to the point account of the point service with the highest point granting rate at the current time among them.

[0124] Also, when there are multiple point services that are candidates for receiving bonus points, the point processing server 2 manages the usage frequency of each point service by the user. Then, it selects the point service with the highest usage frequency at the current time and sends a notification of the acquired user information or the points calculated based on the user information. By doing so, when there are multiple point services used by the user, it becomes possible to grant bonus points to the point account of the point service with the highest usage frequency at the current time among them. In addition, as a method for selecting the point service to which bonus points are to be granted, it is possible to use a method of sequentially selecting all the point services in use or randomly selecting them.

[0125] (Modification Example 7) When the point processing server 2 receives the provision of user information and grants points to the user as consideration therefor, it may generate point grant history information and store it in the history database. The point grant history information consists of, for example, the acquisition date and time of the user information, the identification name of the acquired user information, and the type and number of points granted, associated with the user ID or the user information provider ID. When the point processing server 2 receives a query request for point grant history information from the user terminal 6 or the terminal of the person in charge of the trading partner service, it searches the history database for the corresponding point grant history information and sends it to the terminal of the requester. As a result, the user can confirm what types of points and how many points they have received as a reward for providing past user information. Also, the provider of the user information can confirm what types of points and how many points have been granted to the user as a reward for the acquisition of the user information.

[0126] <Second Embodiment> In the first embodiment, by using a scraping engine or an API, user data including the user's health-related data was collected from the first access destination selected by the user, and among the collected health-related data, based on the health-related information to which the user agreed to use, bonus points that could be used at the second access destination, which is the destination for awarding bonus points, were calculated. Then, by using the health-related information to which the user agreed to use, services such as the proposal of products such as insurance products were executed.

[0127] In the second embodiment, similar to the first embodiment, user data was collected from the access destination selected by the user, and among the collected user data, user information to which the user agreed to use was obtained. However, products such as financial products or health products such as insurance and securities were proposed without awarding bonus points. Note that the access destination in the second embodiment corresponds to the first access destination in the first embodiment.

[0128] In the second embodiment, the proposal of products may be automatically generated by AI. Also, the user's health condition and life stage change, and products such as insurance may be updated with new content. Therefore, not only the first proposal, but also the products may be re-proposed based on the updated user information and new product information so that the user can contract, purchase, or use the products that are optimal for the user's health condition and life stage.

[0129] In the second embodiment, as an example, it will be described that health-related data is collected as user data, and based on the user information to which the user agreed to use among the collected user data, a proposal of an insurance product is made. Note that the user data is not limited to health-related data, and may include any user data such as purchase-related data. Also, as the product to be proposed, an insurance product is exemplified, but the product may be a health product, a financial product, or the like. In particular, for products that require specialized knowledge when the user selects the product, it can be said that they are suitable as the products to be proposed.

[0130] (1) Overall Configuration of the Product Proposal Support System 8 FIG. 8 is a block diagram showing an example of an overhead view of the product proposal support system 8 according to the second embodiment. The product proposal support system 8 in FIG. 8 includes a product proposal support device 81, an A service system 82 serving as an access destination for collecting the user's health-related data, a B service system 83 serving as an access destination for collecting the user's purchase-related data, an M company server 84 and an N company server 85 which are insurance company servers, and a user terminal 86. These devices and the like are communicably connected by a network 87.

[0131] (2) Functional Configuration of the Product Proposal Support Device 81 In the product proposal support device 81 in the second embodiment, a processor executes a program stored in a memory, thereby functioning as a learning unit 812, a storage unit 811, a control unit 810, and a communication control unit 813. Here, the communication control unit 813 has the same configuration as that in the first embodiment.

[0132] (2-1) Learning Unit 812 The learning unit 812 includes a learning model that inputs user information to which the user has agreed to use and learns to output an insurance product correlated with the user information. The learning model can be trained to output a teacher product correlated with the teacher user information when the teacher user information is given as teacher data. For example, by training the learning model to associate health-related information such as blood glucose, lipids, blood pressure, kidney function, and liver function included in the user's health examination data with insurance products that can cover future onset risks such as diabetes, hypertension, kidney function disorders, liver function disorders, and obesity inferred from the health-related information, when the user's health-related information is given, a learning model that outputs one or more insurance products suitable for the health-related information can be generated. At this time, the learning model is configured to output a fitness score representing the degree of correlation between the user's health-related information and the output insurance product.

[0133] The learning model may adopt other configurations. For example, it may include a first learning model that is trained to input the user's health-related information and output the onset risk, and a second learning model that is trained to input the onset risk, which is the output of the first learning model, and output an insurance product suitable for the onset risk.

[0134] The learning unit 812 may update the learning model at regular or arbitrary timings. For example, when a new insurance is released, the learning model may be trained on the correlation between user information and the new insurance product. Also, when the learning model includes a second learning model that is trained to output an insurance product suitable for the onset risk, if a new insurance product is set for a certain onset risk, the learning model can be updated by retraining only the second learning model.

[0135] (2-2) Memory unit 811 Similar to the first embodiment, the memory unit 811 stores my page information, consent information, and user information. Here, the my page information does not include the settings related to the awarding of bonus points in the first embodiment (bonus point awarding destination setting, bonus point usage condition setting). In the second embodiment, the insurance company name, insurance product name, etc. are configured to be registered in the my page information as the information of the insurance contracted by the user.

[0136] (2-3) Control unit 810 The control unit 810 includes an account information registration unit 8101 for registering the account information of the access destination, a user data collection unit 8102 for collecting the user's user data from the access destination selected by the user, a consent information acquisition unit 8103 for acquiring consent information as to whether the user agrees to use the user data, a user information acquisition unit 8104 for acquiring the user information that the user has agreed to use among the collected user data, a product proposal unit 8105 for proposing a product that matches the user information, and a re-proposal unit 8106 for re-proposing a product that matches the user's life stage information.

[0137] (2-3-1) Account Information Registration Section 8101 Similar to the account information registration section 211 of the first embodiment, the account information registration section 8101 receives from the user consent information as to whether the user agrees to obtain, use, store, and provide user data, such as selection information for selecting an access destination that is a source of user data, login information for logging in to the selected access destination, and user data collected from the selected service system, and stores it as my page information.

[0138] In the second embodiment, to input my page information, an input screen similar to the input screen of the my page information shown in FIG. 3 is provided, but the setting areas for bonus point awarding destination setting (e) and bonus point usage condition setting (f) in the first embodiment are not provided. The consent information in the second embodiment has the same content as the consent information in the first embodiment, and is registered, for example, by the input screen of the consent information shown in FIG. 5. The consent information may be registered in association with each of the user data collected from one or more access destinations, or consent information that can be comprehensively applied to a plurality of user data may be registered.

[0139] (2―3-2) User Data Collection Section 8102 Similar to the user data collection section 212 of the first embodiment, the user data collection section 8102 logs in to the selected access destination using the login information of the selected access destination based on the selection information of the access destination set by the user, and collects user data. Similar to the first embodiment, the user data can be collected by using a scraping engine or an API according to the information acquisition timing of the information registered as my page information.

[0140] (2-3-3) Consent Information Acquisition Section 8103 The consent information acquisition unit 8103 accesses the storage unit 811 and acquires consent information as to whether the user consents to acquiring, using, storing, and providing the user data collected from the access destination selected by the user with respect to the user data.

[0141] (2-3-4) User information acquisition unit 8104 The user information acquisition unit 8104 acquires, as user information, the data that the user has consented to use based on the consent information from among the user data collected by the user data collection unit 8102. When acquiring user information for which the user has consented to use among the user data, the masking process in the first embodiment can be employed. For example, in FIG. 5, when the user designates "health examination results" as the document for which use is permitted, "all" as the examination items for which use is permitted, "all" as the usage method of the acquired information, and "all" as the destination to which the acquired information is provided, among the health-related data included in the user data acquired by the user data collection unit 8102, the user data that matches these designations can be extracted and acquired as user information. Alternatively, among the user data, information that the user does not consent to based on the consent information can be specified, and the user information may be acquired by masking the information that the user does not consent to.

[0142] (2―3-5) Insurance product proposal unit 8105 The insurance product proposal unit 8105 outputs an insurance product that matches the user information for which the user has consented to use, using the learning model generated by the learning unit 812. For example, by providing the health examination results regarding the user's "height, weight, chest circumference, vision, and hearing" and "blood pressure" to the learning model as health-related information, the learning model outputs an insurance product that matches this health-related information, for example, an insurance product that covers "hypertension". At this time, the learning model also outputs a fitness score indicating the degree of fitness between the health-related information and the insurance product.

[0143] FIG. 9 is a diagram showing an example of an insurance proposal screen displayed on the display unit of the user terminal 86. The insurance proposal result output by the insurance proposal unit is transmitted to the user terminal 86 and displayed as an insurance proposal screen on the display unit of the user terminal 86. On the insurance proposal screen, for each insurance product to be proposed, columns for proposal number, insurance details, fitness score, insurance application conditions, contract completion flag, and details are displayed. In FIG. 9, a list of insurance products output by the learning model is displayed, but it is not limited to such a display mode, and it may be arbitrarily changed as needed, for example, only displaying insurance products with the highest fitness scores.

[0144] In the insurance details column, insurance details that match the user information are displayed, and columns for insurance company, insurance product name, coverage details, and insurance period are included. The insurance company and insurance product name are the name of the insurance company providing the insurance and the name of the insurance. The coverage details show the coverage scope covered by the proposed insurance product. For the insurance with proposal number 1, as the insurance details that most match the target user information, insurance company "Company M", insurance product name "m Insurance", coverage details "hypertension", and insurance period "5 years" are displayed.

[0145] In the fitness score column, a fitness score indicating the degree of match between the user information and the proposed insurance product is displayed. The fitness score is an index output by the learning model and indicates the strength of the correlation between the user information and the insurance product. As an example, the fitness score is indicated by a numerical value between 0 and 1, and is set so that the stronger the correlation, the closer it is to 1. The user can determine to what extent the proposed insurance matches the user's health status based on the fitness score. For example, for m Insurance with insurance number 1, the fitness score is 0.95, which is the highest compared to other insurances, so the user can determine that it may be the insurance product most suitable for the current self situation. On the other hand, for z Insurance with proposal number 20, since the fitness score is low, it can be determined that it is not suitable for oneself.

[0146] In the insurance application condition column, it is displayed whether the user meets the notification conditions and medical examination conditions necessary for applying for insurance. Some insurance products are set with conditions for applying for insurance, such as notification conditions and medical examination conditions. For such insurance products, based on the acquired user information, it is configured to pre-determine whether the user meets the notification conditions and medical examination conditions. By displaying the applicability of the insurance application conditions in the insurance application condition column, the user can identify insurances that cannot be applied for in advance, so that the time for considering such insurances can be saved.

[0147] In the example of Fig. 9, for the m insurance with proposal number 1, since the notification conditions and medical examination conditions are OK, as far as it can be determined from the user information, the user meets the insurance application conditions. On the other hand, for the n2 insurance with proposal number 3, it is displayed that the medical examination conditions are met but the notification conditions are not met. For the n2 insurance (cancer insurance) with proposal number 3, for example, let's assume that the notification condition (cancer history) and the medical examination condition (BMI value) are set as insurance application conditions. In this case, if cancer treatment is recorded in the "medical history" of the user information, it is determined that the notification condition of proposal number 3 is not met (NG). On the other hand, if the "BMI" value recorded in the "medical examination result" of the user information is below a predetermined threshold, it is determined that the medical examination condition is met (OK). Note that when the insurance application conditions are not required or cannot be determined, "-" is displayed.

[0148] In the contracted flag column, if the user already has an insurance product under contract, flag 1 is displayed in the column of the corresponding insurance product. In the example of Fig. 9, it is displayed that the user has already contracted (flag 1) the insurance products with proposal numbers 2 and 19, and has not contracted (flag 0) the insurance products with other insurance numbers. Since the n1 insurance that the user already has under contract has a high fitness score, it can be determined that it is suitable for the user. On the other hand, for the insurance with proposal number 19, although it is an insurance that the user already has under contract, the fitness score is as low as 0.12. It can be determined that such an insurance may no longer be appropriate for the user at present due to a change in the health condition since the time of contracting.

[0149] In the details column, the user enters points for the insurance product for which they want to view the details. Then, when the "Reference" button is pressed, the product proposal support device 81 obtains the details of the corresponding insurance product from, for example, the server 84 of Company M or the server of Company Y, and displays the obtained details of the insurance product on the user terminal 86.

[0150] (2-1-6) Reproposal Unit 8106 After the initial insurance product proposal, the reproposal unit 8106 is activated at regular or arbitrary timings, acquires user information, and executes a reproposal process using a learning model. When the user is registered as a member of some membership service such as the X-point service, the life stage can be determined from the user's membership information, and the reproposal unit 8106 can be activated according to the life stage. For example, the user's membership information can be acquired to obtain timings such as the user's employment, marriage, childbirth, child's entrance to school, transfer, retirement, etc., and insurance products suitable for these life stages can be proposed. Alternatively, the annual income can be acquired from the user's membership information, and an update of the insurance product according to the annual income can be proposed. Also, even when there is no change in the life stage, since the learning content of the learning model is updated each time a new insurance is set, the latest insurance can also be proposed.

[0151] Since the reproposal unit 8106 is configured to repropose an insurance product suitable for the user's current situation, the user can review the insurance according to the life stage of themselves and their family. Also, for the insurance company, it is possible to promote the conclusion of a contract for a new insurance at each milestone of the user's life stage.

[0152] (3) Operations of the Product Proposal Support Device 81 FIG. 10 is a flowchart for explaining an example of the insurance proposal support processing operation in the product proposal support device 81 (information processing device) of the second embodiment.

[0153] The product proposal support device 81 collects the user data of the user from the access destination selected by the user (S101). For example, the product proposal support device 81 obtains selection information for selecting an access destination and login information for logging in to the access destination from the storage unit 811, logs in to the access destination selected via the network, and collects user data from the access destination.

[0154] The product proposal support device 81 obtains consent information from the storage unit 811 as to whether the user consents to the use of the collected user data (step S102).

[0155] The product proposal support device 81 identifies, according to the consent information given by the user, the user data to which the user has consented to use among the collected user data, and obtains the user data as user information that can be used for product proposals (step S103).

[0156] The product proposal support device 81 proposes products that match the obtained user information by using a learning model (step S104). The product proposal support device 81 cooperates with the learning unit 812, and by providing the obtained user information to the learning model, obtains information on proposed products that match the user information and a fitness score.

[0157] The product proposal support device 81 prepares to display a product proposal screen on the display unit of the user terminal 86. The product proposal support device 81 prepares insurance details (insurance company, insurance product name, coverage details, insurance period) and a fitness score from the insurance products and fitness scores obtained from the learning model. Next, for each of the proposed insurance products, the product proposal support device 81 extracts the notification conditions and the medical examination conditions, and based on the user information that the user has agreed to use, determines whether the user satisfies the notification conditions and the medical examination conditions, and records the determination result. Furthermore, the product proposal support device 81 reads out the insurance products that the user has already contracted from the storage unit 811 and sets a contracted flag. Note that the information necessary for preparing the product proposal screen may be recorded in the storage unit 811 in advance, or may be obtained by accessing the company server that provides the insurance products.

[0158] The product proposal support device 81 transmits the prepared insurance details (insurance company, insurance product name, coverage details, insurance period), fitness score, insurance application conditions (notification conditions and medical examination conditions), and the content of the contracted flag to the user terminal 86, and causes the display unit of the user terminal 86 to display a product proposal screen.

[0159] The product proposal support device 81 includes a re-proposal unit 8106, and in response to the activation of the re-proposal unit 8106, executes the insurance proposal support processing operation shown in FIG. 10 again. The product proposal support device 81 can activate the re-proposal unit 8106 periodically or at an arbitrary point in time. For example, it may watch the user's life stage and restart at a timing that matches the user's life stage.

[0160] As described above, in the second embodiment, among the user data collected from the access destination selected by the user, since user information that the user consents to use can be automatically acquired, it is possible to timely propose products suitable for the user's current situation. As a result, for the user, since the user can set whether to consent to the use of the user data provided by the user, when the user wants to obtain product information, the user can safely provide his or her data on the network. Also, for the product proposal side, since user information provided by the user himself / herself, especially user information that requires careful handling, can be automatically acquired, it is possible to easily propose products suitable for the situation of individual users and promote the sale of products and the provision of services.

[0161] (Modification Example 8) In recent years, various health functional foods such as various foods for specified health uses (FOSHU) and foods with functional claims have been known. However, for users, it is often difficult to select a food suitable for themselves from these health functional foods. Therefore, in Modification Example 8, health-related information that the user has consented to use is used to propose foods suitable for the user. Specifically, a learning model is generated by using predetermined health-related information and information on foods that match the predetermined health-related information as teacher data. Then, among the collected user data, health-related information that the user consents to use is acquired, and using the learning model, foods suitable for the user and the degree of fitness thereof can be presented. The presentation of the health functional foods can be performed on a screen similar to the product presentation screen in FIG. 9. For example, instead of the insurance content, insurance application conditions, and contracted flag in FIG. 9, product content (company, product name, product function, price, etc.), fitness score, and purchased flag can be displayed. Also, product application conditions such as allergy conditions may be displayed.

[0162] As a result, for the user, even without detailed knowledge about foods for specified health uses, the user can obtain information on health-related products suitable for the user. Also, for food companies, the sale of health-related products can be promoted.

[0163] (Modification Example 9) In the second embodiment, product proposals were made based on health-related information consented to by the user. However, it is desirable to have a mechanism that allows the user to provide data for which consent has been given, even for user data other than health-related data. With such a mechanism, the user can safely provide their data on the network and obtain the necessary product information. Also, for the side proposing the products, since they can automatically obtain the information consented to by the user, it becomes easier to propose products suitable for the user.

[0164] In Modification Example 9, as user data other than health-related data, for example, the user's purchase-related data, bank savings data, securities data, or membership data can be collected as user data. Then, by using the user information among the collected user data that the user consents to use, the status of the user's financial assets and life stage can be obtained, and financial products, securities products, etc. suitable for the user can be proposed. For this analysis, a learning model that has been trained to output financial products or securities products that match these pieces of information when financial asset information and life stage information are provided can be used. The presentation of financial products, etc. can also be done on a screen similar to the product presentation screen in FIG. 9.

[0165] As a result, the user can consent to the use of user data in a wide range of fields and make these data available on the network, thereby easily obtaining product information suitable for themselves regarding various products on the market. On the other hand, for the side proposing the products, by being able to use user data over a wide range, such as health, purchase, and finance, it is possible to promote the proposal and sale of products suitable for the user.

[0166] In short, the present invention is not limited to the above-described embodiments as they are, and at the implementation stage, the components can be modified and embodied without departing from the gist thereof. Also, various inventions can be formed by appropriately combining a plurality of components disclosed in the above-described embodiments. For example, some components may be deleted from all the components shown in the embodiments. Further, components from different embodiments may be appropriately combined.

Explanation of Reference Numerals

[0167] 1…Point Processing and Product Proposal Support System, 2…Point Processing Server, 3…X Service System, 4…A Service System, 5…B Service System, 6…User Terminal, 7…Network, 8…Product Proposal Support System, 21…Processor, 22…Memory, 23…Storage, 24…Communication I / F, 25…Input / Output I / F, 31…X Management Device, 32…X User Database, 41…A Management Device, 42…A Database, 51…B Management Device, 52…B Database, 60…Bus, 61…Processor, 62…Memory, 63…Storage, 64…Camera, 65…Communication I / F, 66…Input / Output I / F, 67…Touch Screen, 68…Input Unit, 69…Display Unit, 81…Product Proposal Support Device, 82…A Service System, 83…B Service System, 84…Server of Company M, 85…Server of Company N, 86…User Terminal, 210…Control Unit, 211…Account Information Registration Unit, 212…User Data Collection Unit, 213…Masking Processing Unit, 214…Bonus Point Calculation Unit, 215…Bonus Point Notification Unit, 216…Product Proposal Unit, 220…Communication Control Unit, 230…Storage Unit, 231…My Page Information Storage Unit, 232…Consent Information Storage Unit, 233…User Information Storage Unit, 810…Control Unit, 811…Storage Unit, 812…Learning Unit, 813…Communication Control Unit, 8101…Account Information Registration Unit, 8102…User Data Collection Unit, 8103…Consent Information Acquisition Unit, 8104…User Information Acquisition Unit, 8105…Product Proposal Unit, 8106…Re-proposal Unit

Claims

1. A user data collection unit that collects the user's user data from an access destination selected by the user, A user information acquisition unit that acquires user information to which the user has consented to use among the collected user data, A product proposal unit that proposes a product that matches the user information, and An information processing apparatus.

2. The product proposal unit inputs user information to which the user has consented to use, and uses a learning model learned to output one or more products that match the user information to propose a product that matches the user information. The information processing apparatus according to Claim 1.

3. The learning model further outputs a fitness score indicating the degree of fitness. The information processing apparatus according to Claim 2.

4. The product proposal unit proposes so as to be able to identify products already contracted by the user. The information processing apparatus according to Claim 1.

5. The product is an insurance product, and the product proposal unit determines whether the user information satisfies the application conditions of the proposed insurance product. The information processing apparatus according to Claim 1.

6. The information processing apparatus according to Claim 1, further comprising a re-proposal unit that re-proposes a product that matches the user's life stage information.

7. A method executed by an information processing apparatus, comprising: Collecting the user's user data from an access destination selected by the user; Acquiring user information to which the user has consented to use among the collected user data; and Proposing a product that matches the user information. An information processing method.

8. A computer program that causes a processor to execute processing by each unit included in the information processing apparatus according to any one of Claims 1 to 6. ​

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