Insurance information providing system, insurance information providing method, and insurance information providing program

Abstract

To provide information on insurance so that a sales result of individual insurance products cannot be specified in an insurance information providing system having a charge calculation function for calculating a charge for insurance.SOLUTION: An insurance information providing system includes: a charge calculation unit for calculating various charges for insurance; an output unit for outputting charge information indicating a charge calculated by the charge calculation unit; a storage unit for storing information on each insurance contract including the charge information calculated by the charge calculation unit; a generation unit for generating insurance business information so that sales results of each insurance product cannot be specified, on information on the insurance contracts; and a providing unit for providing the insurance business information.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to an insurance information system, an insurance information providing method, and an insurance information providing program that have a fee calculation function and provide information about insurance. [Background technology]

[0002] Conventionally, there are many insurance operations that need to be managed, and managing them is cumbersome for insurance companies. Among these, the calculation of insurance-related commissions is particularly complicated, as it varies depending on the insurance company, insurance agent, solicitor, and various conditions. Patent Document 1 discloses an insurance contract management system that is capable of calculating insurance commissions. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2008-146338 Summary of the Invention [Problem to be solved by the invention]

[0004] Incidentally, when insurance commission calculations occur, there is a possibility that insurance contracts have been concluded, and if this information is collected, it is possible to provide insurance-related big data. However, under the current Insurance Business Act, it is not possible to provide information on sales results, such as which insurance products were contracted (sold).

[0005] The present invention has been made in consideration of the above-mentioned problems, and aims to provide an information providing system that can provide information useful for insurance business while collecting insurance-related information in a manner that makes it impossible to identify which insurance product has been sold. [Means for solving the problem]

[0006] An information provision system according to one embodiment of the present invention comprises a fee calculation unit that calculates various fees related to insurance, an output unit that outputs fee information indicating the fees calculated by the fee calculation unit, a memory unit that stores information related to each insurance contract including the fee information calculated by the fee calculation unit, a generation unit that generates insurance sales information for the information related to the insurance contracts in a format that makes it impossible to identify each insurance product with regard to the sales performance of each insurance product, and a provision unit that provides the insurance sales information.

[0007] In the information providing system, the generating unit may convert the names of insurance products sold by the salesperson into product types and generate statistical insurance sales information.

[0008] In the information providing system, the generating unit may generate the insurance sales information by converting each insurance product into an insurance type.

[0009] In addition, in the above information provision system, the fee calculation unit may accept input of a character string indicating a request for fee calculation, generate a formula for calculating the fee based on the character string, and calculate the fee.

[0010] The information providing system may further include a proposal unit that generates and provides proposal information to insurance companies based on information related to insurance contracts.

[0011] In the information providing system, the proposing unit may generate and provide proposal information that improves the profits of the insurance company and that results in higher long-term profits than short-term profits.

[0012] In addition, an insurance information providing method according to one embodiment of the present invention includes a computer executing a fee calculation step for calculating various fees related to insurance, an output step for outputting fee information indicating the fees calculated by the fee calculation step, a storage step for storing information related to each insurance contract including the fee information calculated by the fee calculation step, a generation step for generating insurance sales information for the information related to the insurance contracts in a format in which the sales performance of each insurance product cannot be identified, and a provision step for providing the insurance sales information.

[0013] In addition, an insurance information provision program according to one embodiment of the present invention enables a computer to realize the following: a fee calculation function for calculating various fees related to insurance; an output function for outputting fee information indicating the fees calculated by the fee calculation function; a storage function for storing information related to each insurance contract including the fee information calculated by the fee calculation function; a generation function for generating insurance sales information for the information related to the insurance contract in a format in which the sales performance of each insurance product cannot be identified; and a provision function for providing the insurance sales information. [Effects of the Invention]

[0014] The information providing system according to the present disclosure can provide information about insurance while providing a fee calculation function that calculates fees related to insurance, which is complicated in the insurance business. [Brief explanation of the drawings]

[0015] [Figure 1] FIG. 1 is a system diagram illustrating an example of a system configuration of an information providing system. [Figure 2] FIG. 1 is a block diagram illustrating an example of the configuration of an information processing device. [Figure 3] FIG. 2 is a conceptual data diagram showing an example of the configuration of insurance information. [Figure 4] 10(a) is a data conceptual diagram showing a first configuration example of fee information, and FIG. 10(b) is a data conceptual diagram showing a second configuration example of fee information. [Figure 5]10 is a flowchart illustrating an example of an operation related to fee calculation by the information processing device. [Figure 6] 10 is a flowchart showing an example of an operation related to the provision of insurance sales information in the information provision system. [Figure 7] 10 is a flowchart illustrating an example of an operation related to a proposal in the information providing system. [Figure 8] (a) and (b) are examples of insurance sales information. DETAILED DESCRIPTION OF THE INVENTION

[0016] An information providing system, an information processing device, an information providing method, and an information providing program according to the present invention will be described in detail below with reference to the drawings.

[0017] <Embodiment> An information processing system and an information processing device thereof according to the present invention will be described in detail below with reference to the drawings.

[0018] <System configuration> Fig. 1 is a system diagram showing an example of the system configuration of an information provision system. As shown in Fig. 1, in the information provision system 1, an information processing device 100, an information processing terminal 200a of an insurance company A related to a plurality of mutually different insurances, and an information processing terminal 200b of an insurance company B are connected to each other so as to be able to communicate with each other via a network 300. The insurance-related insurance companies may be businesses that provide insurance information, or businesses that sell and contract insurance, and may primarily be insurance agencies, but may also be insurance companies, etc.

[0019] Network 300 is a network for interconnecting various devices, such as a wireless network or a wired network. Specifically, the network may be a wireless LAN (WLAN), a wide area network (WAN), integrated service digital networks (ISDNs), wireless LANs, long term evolution (LTE), LTE-Advanced, fourth generation (4G), fifth generation (5G), sixth generation (6G), code division multiple access (CDMA), WCDMA (registered trademark), Ethernet (registered trademark), or the like. The network is not limited to these examples and may be any network, such as a public switched telephone network (PSTN), Bluetooth (registered trademark), Bluetooth Low Energy, optical fiber, or a satellite communication network. The network may also include multiple different networks that combine these examples. For example, the network may include a wireless network using LTE and a wired network such as an intranet, which is a closed network. The network may be a network to which terminals other than the information processing device 100 cannot connect.

[0020] The information processing device 100 may be configured to accept access from the information processing terminal 200 of an external insurance company and provide a commission calculation function for insurance. The information processing device 100 may also be a device that accepts access from the information processing terminal 200 of an insurance company and provides information about insurance. For example, the information about insurance may be information about insurance desired by a customer of the sales agent, and the insurance may be insurance offered by an insurance company that is contracted with an insurance agency to which the sales agent belongs. The information processing device 100 may also be a device that proposes insurance products to the sales agent to present to customers.

[0021] The information processing terminal 200 is an information processing terminal used by the insurance company, and may be any device that has the function of communicating with the information processing device 100 and displaying information, and may be realized by telecommunications devices such as PCs, notebook PCs, tablet terminals, smartphones, mobile phones, etc., but is not limited to these.

[0022] <Configuration example of information processing device> 2 is a block diagram showing an example of the configuration of the information processing device 100. The information processing device 100 is an information processing device (computer system) that can communicate with the information processing devices 100 of other insurance-related businesses, access public business information made public by each business, and output necessary information. The information processing device 100 may be a PC or a tablet terminal, or may be a server device that can be accessed by any information processing terminal related to the business.

[0023] As shown in FIG. 2, the information processing device 100 includes a communication unit 110, an input unit 120, an output unit 130, a storage unit 140, and a control unit 150.

[0024] The communication unit 110 communicates with other information processing devices via the network 300. For example, the communication unit 110 may receive input of information about a predetermined disease from the information processing terminal 200 and transmit the information to the control unit 150. The communication unit 110 may also transmit information about insurance (such as insurance sales information and proposal information, which will be described later) transmitted from the control unit 150 to the information processing terminal 200. Alternatively, for example, the communication unit 110 may receive input of information related to fee calculation from the information processing terminal 200 and transmit the information to the control unit 150. The communication unit 110 may then transmit the information about fees transmitted from the control unit 150 to the information processing terminal 200.

[0025] The input unit 120 accepts input from the user of the information processing device 100 and transmits the accepted input content to the control unit 150. That is, the input unit 120 may accept input of information similar to information transmitted from the information processing terminal 200 by communication via the communication unit 110 and transmit the information to the control unit 150. The input unit 120 may be realized by an input device such as a mouse or a keyboard, for example, but is not limited to these.

[0026] The output unit 130 outputs specified information in accordance with instructions from the control unit 150. The output by the output unit 130 may be realized, for example, by outputting characters or images on a monitor connected to the information processing device 100, outputting audio through a speaker connected to the information processing device 100, or outputting to an external device by communication via the communication unit 110. As an example, the output unit 130 may output insurance sales information indicating information related to insurance. Furthermore, for example, the output unit 130 may output commission information. Note that the information processing device 100 does not need to include the output unit 130 when various types of information are output through communication by the communication unit 110.

[0027] The storage unit 140 stores various programs and data required for the operation of the information processing device 100. The storage unit 140 may be realized by, for example, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or the like, but is not limited to these.

[0028] The storage unit 140 stores insurance information 141, which is information about the insurance business handled by the business to which the information processing device 100 belongs. The storage unit 140 may also store commission information 142 related to insurance commissions. Although not shown, the storage unit 140 may also store information about insurance products sold by each insurance company. This information may include information such as the name of the insurance product, the insurance company selling the insurance product, the type of insurance, and an underwriting guideline indicating whether or not the insurance can be purchased, as well as other information. Although not shown, the storage unit 140 may also store a program for calculating commissions, a program for generating insurance sales information, a program for generating proposals, and the like. Details of the insurance information 141 and the commission information 142 will be described later. The storage unit 140 may be implemented by cloud storage accessible by the information processing device 100.

[0029] The control unit 150 is a processor having the function of controlling each unit of the information processing device 100. The control unit 150 uses various data stored in the storage unit 140 and executes various programs to perform the functions that the information processing device 100 should perform.

[0030] The control unit 150 functions as a fee calculation unit 151 , a generation unit 152 , a provision unit 153 , and a proposal unit 154 .

[0031] The commission calculation unit 151 has a function to calculate commissions related to insurance. Here, the commission may be a commission related to a specific insurance contract concluded between an insurance agency (sales agent) and a customer, and may refer to a commission paid to the insurance agency by an insurance company selling the specific insurance. The commission calculation unit 151 may calculate the commission related to the insurance contract specified by the user of the information processing terminal 200 via the communication unit 110 by referring to the commission information 142. The commission varies depending on the agent, whether the contract concluded with the customer is in its first year, whether the contract is due to a transfer process in which contract management is transferred to another agent or agent (changing the manager), and other factors. Furthermore, if multiple agents are involved in a single contract, the commission of each agent may be calculated. The commission calculation unit 151 may perform calculations based on information pre-stored in the commission information 142 (pre-input information) or various parameters input by the user of the information processing terminal 200 via the communication unit 110 when calculating the commission. The commission calculation unit 151 may store in advance calculation formulas according to various situations regarding what commission to calculate, for which insurance product the commission to calculate, and for which insurance agency (sales agent) the commission to calculate, and may identify the calculation formula for calculating the commission based on information on what commission to calculate and information on which insurance product specified by the user of the information processing terminal 200, and calculate the commission using the identified calculation formula.

[0032] The generation unit 152 generates insurance sales information to be provided to insurance businesses from the insurance information 141 stored in the storage unit 140. Under the current Insurance Act, the information processing device 100 cannot provide, among the insurance information 141, personal information of each insurance business's customers or information identifying which insurance products have been sold (information that can identify insurance products with a sales record). Therefore, when providing such information to an insurance business, the information processing device 100 may provide information related to insurance as insurance sales information. The insurance sales information may be information that prevents the personal information of customers included in the insurance information 141 from being identified and prevents the identification of insurance products based on the sales record of each insurance product. For example, the generation unit 152 may generate, as the insurance sales information, percentage information of types of insurance products sold by an insurance agency. For example, the generation unit 152 may generate, as the insurance sales information, percentage information of types of insurance products sold during a predetermined period by all insurance businesses using the information processing device 100. For example, the generation unit 152 may generate, as the insurance sales information, percentage information for each type of insurance product sold by a specific insurance agent. For example, the generation unit 152 may generate, as the insurance sales information, percentage information indicating the percentage of insurance products sold by each insurance agent included in an insurance agency group to the total number of insurance products sold in the insurance agency group as a whole. The generation unit 152 may generate, as the insurance sales information, percentage information based on commissions for insurance products sold in a predetermined period (for example, one month, six months, one year, etc., but not limited to these). The generation unit 152 may generate, as the insurance sales information, percentage information for a predetermined type, or may generate, as the insurance sales information, percentage information specified by the user of the information processing terminal 200 via the communication unit 110. For example, the generation unit 152 refers to the insurance information 141, tallying up contracts for which commissions 306 have been registered in the predetermined period, for each product type indicated by the product type 304, and then calculates the percentage of the tallying results to the total, which is the target for generating the insurance sales information, and generates the insurance sales information. The insurance sales information may be statistical information based on sales performance for each type of insurance product.

[0033] The providing unit 153 may provide the insurance sales information generated by the generating unit 152 to the insurance business operator. That is, the providing unit 153 may provide the insurance sales information generated by the generating unit 152 to the insurance business operator by transmitting the insurance sales information generated by the generating unit 152 to the information processing terminal 200 of the insurance business operator via the communication unit 110. This allows the insurance business operator to recognize information related to insurance in the form of insurance sales information, and to recognize the current state of insurance, such as which types of insurance products are popular (big sales) or unpopular (poor sales). For example, if the insurance business operator is a solicitor, the insurance business operator can recognize which types of insurance products to propose to customers to more likely result in a contract. Furthermore, if the insurance business operator is an insurance company, the insurance business operator can use the information to devise new insurance products or improve existing insurance products based on the needs for which types of insurance products there are.

[0034] 8(a) and 8(b) are diagrams showing examples of displaying insurance sales information. As shown in FIG. 8(a), the providing unit 153 may provide, as the insurance sales information, information on the proportion of each type of insurance product sold by each insurance agency. Alternatively, as shown in FIG. 8(b), the providing unit 153 may provide, as the insurance sales information, information indicating changes in the proportion of each type of insurance product sold by a sales agent. Note that the insurance sales information shown in FIGS. 8(a) and 8(b) is merely an example, and the generating unit 152 may generate various types of insurance sales information, which the providing unit 153 may provide to the information processing terminal 200.

[0035] The providing unit 153 may be configured to provide the information in the insurance information 141 as is, except for information that cannot be made public under the Insurance Act.

[0036] The proposal unit 154 generates proposal information that makes insurance-related proposals to an insurance company, an insurance agency, or an insurance salesperson. If the proposal information is intended for an insurance company, it may be information that makes a proposal beneficial to the insurance company, such as a proposal for a new insurance product, a proposal for improving an existing insurance product, or a sales proposal from the insurance company to the insurance agency or salesperson regarding its own insurance products, but is not limited to these. If the proposal information is intended for an insurance agency, it may be information that makes a proposal beneficial to the insurance agency, such as information on best-selling insurance products (sales trends), information indicating which insurance products to focus on in sales to increase profits, or information suggesting guidance for salespersons with poor sales, but is not limited to these. If the proposal information is intended for salespersons, it may be information that makes a proposal beneficial to the salesperson, such as information suggesting which insurance products to recommend to customers or information on which insurance products to focus on in sales to increase profits, but is not limited to these. A beneficial proposal may basically be a proposal that increases profits.

[0037] The proposing unit 154 may generate the proposed information based on the insurance information 141, or may generate the proposed information based on the above-mentioned insurance sales information. Furthermore, the information that the proposing unit 154 refers to when generating the proposed information is not limited to the insurance information 141 and the insurance sales information, but may be generated based on the commission information 142 and information on insurance products of each insurance company stored in the storage unit 140, or may be generated based on information obtained by combining these pieces of information.

[0038] The proposing unit 154 may generate, as the proposal information, proposal information including proposal content that improves long-term profits more than short-term profits. Improving long-term profits more than short-term profits may mean that, when making a proposal to improve profits, the long-term profits (for example, over two years) will be higher as a result of executing a proposal for long-term profits than if the short-term profits (for example, over the most recent month) that are obtained by executing a proposal for short-term profits are repeated for the period of the long-term profits.

[0039] For example, when the proposal unit 154 makes a proposal to an insurance company, the proposal unit 154 may propose an insurance product that will increase long-term profits by keeping contract fees and contract renewal fees low rather than increasing contract fees, thereby encouraging customers to maintain their contracts. Similarly, when the proposal unit 154 makes a proposal to an insurance agent or an insurance salesperson, the proposal unit 154 may propose a product that should be made to a customer that will increase profits by having them maintain their contracts, rather than an insurance product that will increase immediate sales.

[0040] More specifically, the proposal unit 154 analyzes, based on the insurance information 141, what kind of insurance product is likely to get the customer to renew the contract, and even if there is another insurance product that can be expected to earn a higher commission when taking out the same type of insurance, if there is an insurance product that corresponds to the analysis results or a similar insurance product, the proposal unit 154 may strengthen sales of that insurance product or propose it as a product to recommend to the customer.

[0041] The proposal unit 154 may also identify popular insurance types based on the insurance sales information, and if an insurance company has insurance products of that type, propose to promote increased sales of that insurance product, or if not, propose to encourage the insurance company to consider selling that insurance product. Furthermore, the proposal unit 154 may encourage insurance agents and sales representatives with low sales numbers (sales rates) of products of a popular insurance type to increase sales of that type of insurance product. Conversely, the proposal unit 154 may propose increased sales of insurance products of less popular types, so as to sell more insurance products of which other insurance companies and insurance representatives have low sales numbers, thereby increasing the market share of those insurance products of the less popular type. In this case, the proposal unit 154 may also propose the commission required for that type of insurance product to make it easier to sell.

[0042] In addition, the proposal unit 154 may propose underwriting guidelines and commissions that are likely to be accepted by customers for popular insurance types based on insurance sales information, based on standards for underwriting guidelines and commissions (e.g., average, median, lowest price, highest price, etc.).

[0043] The proposal unit 154 may generate proposal information that proposes sales opportunities to insurance companies and insurance agencies. For example, the proposal unit 154 may analyze whether an insurance agent at an insurance agency is active, and, as an example, detect that an agent who has been inactive for some reason (e.g., childcare leave) has started working again, that is, that a person who was previously registered as an agent in the insurance information 141 has not been newly registered for a predetermined period (e.g., six months) since a certain point in time, and then the proposal unit 154 may generate proposal information that proposes sales activities for this agent to the insurance company.

[0044] The proposal unit 154 may also compare the sales status of sales agents belonging to the insurance agency with the insurance sales information, and if there is a discrepancy between the sales trends in the insurance sales information and the sales status, generate proposal information that draws attention to this point and proposes providing guidance to the sales agent. That is, the proposal unit 154 may acquire the sales performance of the same sales agent for a predetermined period, identify the types of insurance products sold and the proportions at which they are sold based on the sales performance, compare it with the ratios in the insurance sales information that indicate the sales ratios for each type in the entire industry or the entire insurance agent group, and generate proposal information that suggests providing guidance if the ratios differ by more than a predetermined amount.

[0045] The proposal unit 154 may generate the proposal information according to a predetermined algorithm, or may generate the proposal information using AI. The proposal unit 154 may also estimate and generate the proposal information using a learning model that has learned the relationship between the insurance products sold by the insurance company, their underwriting guidelines and fees, insurance sales information, and the content of the proposal information to be proposed to the insurance company in that case. Therefore, the proposal unit 154 can use the learning model to make proposals that are in line with (can improve) the current situation of the insurance company based on the current situation of the insurance company and the proportion of insurance products of each type that have actually been sold. An individual learning model may be prepared for each insurance company, or a single unified learning model that can be applied to multiple insurance companies may be prepared.

[0046] The above is an example of the configuration of the information processing device 100. Note that the information processing terminal 200 may be any information processing device having the same communication function as a normal PC, and a detailed description of the configuration will be omitted.

[0047] <Data> Hereinafter, the information managed by the information processing device 100 will be described.

[0048] FIG. 3 is a conceptual data diagram showing an example of the data configuration of insurance information 141 related to insurance business stored in the storage unit 140 of the information processing device 100. The insurance information 141 is information related to insurance contracts affiliated with each insurance agency managed by the information processing device 100. The insurance information 141 is a database generated based on information input by an agent or the like when processing related to an insurance contract occurs at an insurance agency or the like. The information included in the insurance information 141 may be input directly by an agent or the like in charge of the contract, or may be collected and automatically registered by the control unit 150 of the information processing device 100 in response to the input of information corresponding to each item of the insurance information 141, which is input when concluding a contract.

[0049] As shown in FIG. 3 , the insurance information 141 may be, for example, information in which a contract ID 301, a customer name 302, a product name 303, a product type 304, an agent 305, and a fee 306 are associated with each other. Information other than the information shown in FIG. 3 may also be associated with the insurance information 141. For example, the date on which a process related to an insurance contract was executed (for example, the date on which the contract was signed, the date on which the insurance contract extension process was performed, or the date on which a transfer contract was executed) may be associated with the insurance information 141. Furthermore, for example, information on the progress of an insurance contract may also be associated with the insurance information 141. Furthermore, the insurance information 141 may be managed by the entire insurance business that uses the information processing device 100, or may be provided for each insurance agency group or each insurance agency.

[0050] The contract ID 301 is identification information used by the insurance agency to manage and identify each contract, and is information that can uniquely identify which insurance contract it represents. The contract ID 301 may be automatically assigned new identification information by the system each time a new contract application is made.

[0051] The customer name 302 is information indicating the name of the customer who has concluded (or will conclude) the contract indicated by the corresponding contract ID 301. The customer name 302 is personal information of the customer, and is therefore one piece of information that cannot be freely disclosed by the information processing device 100. Note that the customer name 302 may be personal information of the customer, and may include information such as the customer's address, telephone number, and email address in addition to the customer's name.

[0052] The product name 303 is information that can uniquely identify the insurance that the customer indicated by the corresponding customer name 302 has taken out or is about to take out in the contract indicated by the corresponding contract ID 301, and may be, for example, the name of the insurance product.

[0053] The product type 304 is information indicating the type of insurance indicated by the corresponding product name 303. There are various types of insurance, and the product type 304 is information indicating the type of insurance, and may be, for example, life insurance, medical insurance, pension insurance, fire insurance, vehicle insurance, theft insurance, etc. The product type 304 may be registered in information indicating the details of the insurance indicated by the corresponding product name 303.

[0054] The agent 305 is a person who sells insurance, primarily handling the contract indicated by the corresponding contract ID 301 and primarily handling the insurance contract-related processing between the agent and the customer indicated by the corresponding customer name 302. The agent 305 is basically a person who belongs to an insurance agency that sells insurance on behalf of an insurance company. With information about the agent 305, it is possible to identify, for example, which agent 305 frequently handles which insurance products, or does not handle them.

[0055] The commission 306 is the fee paid by the insurance company to the corresponding agent 305 (or the insurance agency to which the agent 305 belongs) when the contract indicated by the corresponding contract ID 301 is concluded, and may be an amount calculated by the commission calculation unit 151. The commission 306 may be an amount according to a rate predetermined between the insurance company and the insurance agency (or agent).

[0056] The above is an example of the configuration of the insurance information 141. With the insurance information 141, the information processing device 100 can provide insurance business information as information related to insurance to the insurance company.

[0057] Fig. 4(a) is a conceptual data diagram showing an example of the data configuration of the commission information 142. The commission information 142 shown in Fig. 4(a) shows an example of a contract regarding commissions concluded between an insurance company and an agent.

[0058] 4(a) is information in which an agency 411, a product name 312, and an earned commission 313 are associated with each other. Other information may be associated as long as it is information related to commissions. For example, even for the same insurance product, if the commission varies depending on the conditions or contract status, information about the conditions or contract status may be associated with each other, and in that case, an individual value may be set for earned commission 313.

[0059] The agency 411 is information for identifying an agency, indicating which agency the information is about a commission for. The agency 411 may be the name of the agency, or an identifier that can identify the agency.

[0060] The product name 412 is information indicating which insurance product the commission is for when it is exchanged between the insurance company and the corresponding agency 411. The product name 412 may be information indicating the insurance company or the insurance product.

[0061] The acquisition commission 413 is the commission that the insurance agent receives from the insurance company for selling the insurance when the corresponding agent 411 sells a contract for the corresponding product name (or an insurance product of the corresponding insurance company, or a certain type of insurance product of the corresponding insurance company) to a customer (when a contract is reached with the customer), and may, for example, be information indicating the rate of the fee received from the customer for the product sold.

[0062] The commission contract may be, for example, a partnership between a sales agent and an insurance company, as shown in Figure 4(b), and may have a flat commission for each insurance company, as in the case shown in Figure 4(a), or a commission may be set for each individual product, or a commission may be set for each product type. As shown in Figure 4(b), the commission information 142 may be information that associates a sales agent 421, a product name 422, and an acquired commission 423. This is achieved by simply replacing the information about the agent 411 in the commission information 142 shown in Figure 4(a) with the information about the sales agent 421.

[0063] The above are examples of the insurance information 141 and the fee information 142.

[0064] <Operation> Next, a description will be given of the operation of the information processing device 100 as an information processing system. Fig. 5 is a flowchart showing an example of the operation of the information processing device 100 relating to fee calculation.

[0065] 5, the fee calculation unit 151 of the information processing device 100 acquires agent information (step S501). The information processing device 100 is basically a device that can be accessed by agents using the information processing terminal 200 using their respective account information, and can acquire agent information from the account information at the time of login.

[0066] The commission calculation unit 151 acquires information on the insurance product designated by the sales agent via the communication unit 110 and for which the commission is to be calculated from the storage unit 140 (step 502). That is, it acquires the insurance premium for the insurance product that the customer will be signing up for.

[0067] The commission calculation unit 151 calculates the commission based on the acquired information (step S503). That is, the commission calculation unit 151 acquires information on the earned commission by referring to the commission information 142 based on the agent information acquired in step S501 and the insurance information acquired in step S502. Then, the commission calculation unit 151 calculates the commission that the agent (insurance agency) will earn based on the insurance premium paid by the customer indicated in the acquired insurance information and the earned commission.

[0068] The fee calculation unit 151 outputs the calculated fee to the information processing terminal 200 via the communication unit 110 (step S504). The output fee may be displayed on the information processing terminal 200, in which case the insurance carrier of the information processing terminal 200 can recognize the amount of the fee.

[0069] Furthermore, the fee calculation unit 151 registers the calculated fee in the insurance information 141 (step S505), and ends the processing related to the fee calculation.

[0070] FIG. 6 is a flowchart showing an example of the operation of the information processing device 100 for providing insurance sales information.

[0071] As shown in FIG. 6, the generation unit 152 of the information processing device 100 acquires the insurance information 141 from the storage unit 140 (step S601).

[0072] The generation unit 152 then generates insurance sales information based on the acquired insurance information 141 and statistically calculated based on the insurance type (step S602). The generation unit 152 generates standard insurance sales information when no particular information is specified by the user of the information processing terminal 200. Furthermore, when the generation unit 152 receives input of information such as a ratio of something to something from the user of the information processing terminal 200, it generates the specified insurance sales information. The generation unit 152 generates the insurance sales information by aggregating the information included in the insurance information 141 according to the insurance type of the insurance product, rather than for each insurance product. The generation unit 152 may generate insurance sales information for a predetermined period (for example, the most recent month).

[0073] The providing unit 153 outputs the insurance sales information by transmitting the insurance sales information generated by the generating unit to the information processing terminal 200 via the communication unit 110 (step S603), and ends the process.

[0074] FIG. 7 is a flowchart showing an example of an operation of the information processing device 100 relating to the provision of suggested information.

[0075] As shown in FIG. 7, the proposal unit 154 of the information processing device 100 obtains from the memory unit 140 product information of the insurance company that corresponds to the information processing terminal 200 (user thereof) that is accessing the information processing device 100 as an insurance company (step S701).

[0076] Then, the proposal unit 154 acquires the insurance information 141 from the storage unit 140 (step S702). Then, the proposal unit 154 generates proposal information for the insurance company from the insurance information 141 and the insurance sales information (step S703). As an example, the proposal information may be information proposing an insurance product that is not available at the insurance company, or information proposing an insurance product that the insurance company should improve, but is not limited to these.

[0077] The proposal unit 154 transmits the generated proposal information to the insurance company's information processing terminal 200 via the communication unit 110 (step S704), and ends the process. The transmitted proposal information may be displayed on the information processing terminal 200, which allows the insurance company to develop new insurance products or improve existing insurance products.

[0078] <Summary> The information processing device 100 according to this embodiment can provide commission calculation, which is a complicated calculation in insurance, and can provide insurance sales information based on information obtained through various insurance-related processes such as commission calculation, while keeping confidential information that cannot be made public. As a result, insurance-related businesses can obtain hints for sales and insurance product development based on that information.

[0079] <Supplementary information> The information processing system 1 and the information processing device 100 according to the above embodiment are not limited to the aspects shown in the above embodiment. Various modifications will be described below.

[0080] (1) In the above embodiment, when calculating a fee, if any parameters are missing, the fee calculation unit 151 may transmit a request message requesting input of the information to the information processing terminal 200 via the communication unit 110. Then, the fee calculation unit 151 may calculate the fee using the missing parameters that have been input and transmitted by the user of the information processing terminal 200 in response to the request message.

[0081] (2) In the above example, the fee calculation unit 151 in the information processing device 100 calculates fees related to insurance by storing a calculation formula corresponding to various conditions in advance and acquiring parameters required for the calculation from the information processing terminal 200 accessing the information processing device 100 or from the insurance information 141, but the calculation by the fee calculation unit 151 is not limited to this method. Any other method may be used as long as it can calculate the fee.

[0082] For example, the commission calculation unit 151 may receive various information required for commission calculation as a character string from the agent, and generate a formula for calculating the commission based on the character string. That is, the formula may be generated using a so-called generation AI. The generation AI may analyze the input character string, generate a formula for calculating the commission intended by the character string, and calculate the commission using parameters contained in the input character string, parameters contained in the insurance information 141 stored in the storage unit 140, parameters contained in the commission information 142, etc. Note that, if the necessary information is available, the parameters for calculating the commission may refer to only one resource. For example, if the input character string contains all the necessary parameters, it is not necessary to refer to the insurance information 141 or the commission information 142. More specifically, the input may include, for example, a character string such as "Calculate the commission to be paid to the agent when a male named A, age X, of Company G signs up for an insurance policy for Y yen per month." The formula for calculating the commission may be generated and the commission may be calculated. That is, the AI ​​may be configured to calculate the commission, and the information processing device 100 may be equipped with such an AI. The character string may be text information or audio information. If the character string is audio information, the information processing device 100 is provided with an audio analysis function.

[0083] Furthermore, for example, the fee calculation unit 151 may generate a formula using a learning model instead of a generation AI. For example, the learning model may be a model that learns the correspondence between a character string requesting a fee calculation and a formula that can execute the fee calculation indicated by the character string. That is, a learning model that learns the correspondence between the specific examples of character strings described above and formulas corresponding to various patterns is prepared, and the fee calculation unit 151 generates a formula by inputting the character string input from the information processing terminal 200 into the learning model. Then, the fee calculation unit 151 may input parameters identified from the character string or the insurance information 141, the fee information 142, etc., into the generated formula to calculate the fee.

[0084] (3) In the above embodiment, the information processing device 100 may be configured to accept and store special parameters or special calculation formulas required by the fee calculation unit 151 when calculating the fee from the user of the information processing terminal 200, so that subsequent fee calculations can be performed using the special parameters or special calculation formulas. That is, if the fee calculation unit 151 cannot calculate the fee desired by the user, for example, if there are parameters or calculation formulas unique to the agent (calculation formulas not used in normal fee calculations), the fee calculation unit 151 may request the user of the information processing terminal 200 for information on how to use the unique parameters or information on the unique calculation formula. The special parameters or calculation formulas input by the user of the information processing terminal 200 in response to the request may then be stored in the storage unit 140 along with information such as the conditions for use or the timing of use. That is, the information processing device 100 may add and store (learn) new parameter concepts or new calculation formulas used to calculate fees.

[0085] (4) In the above embodiment, an example has been shown in which the information processing device 100 outputs insurance sales information and provides information related to the insurance sales status, etc. to the information processing terminal 200. However, the information processing device 100 may be configured to provide information related to insurance in accordance with a request from the information processing terminal 200, not limited to insurance sales information. As an example, an input requesting insurance information related to Disease A may be received, and information on the insurance product may be identified from the storage unit 140 using Disease A as a keyword and provided to the information processing terminal 200. As an example, a query may be input such as "Please tell me which insurance products have been selling well over the past two months," "Please tell me which insurance agency has been selling well this product," or "Please create a graph showing the fluctuations in insurance sales over the past two years on a monthly basis."

[0086] The information processing device 100 may be a generation AI that, when such a sentence is input as a query, analyzes the sentence and generates an appropriate answer or information corresponding to the answer. The AI ​​identifies the elements that make up the sentence, analyzes the dependencies between the elements, and identifies the question. Then, it obtains information that serves as the basis for the answer to the identified question from the public business information of each information processing device. The AI ​​may then generate and output an answer to the request in the sentence based on the obtained information. As an example, the AI ​​may be realized by preparing a learning model that learns combinations of various insurance-related sentence questions and answers to those questions as training data, but this is not limited to this.

[0087] In addition, the AI ​​may be configured to recognize the details of the answer the user is looking for by engaging in a question-and-answer session with the user, returning questions related to the input text in order to accurately understand what the user is requesting.

[0088] (5) In the above embodiment and supplementary note (4), it was explained that the information processing device 100 may have a function to output a response to a query. The response output by the information processing device 100, i.e., the information that can be output as a response to a query, may be any information that can be identified from the public business information 143. The information processing device 100 may output information that cannot be disclosed simply from the recorded insurance information 141 (such as personal information about customers or information that can identify insurance products sold) by concealing the information so that it cannot be identified, or by converting it into information in a different form so that it cannot be identified. As an example, the information processing device 100 may provide sales data about an insurance agency or a specific salesperson belonging to an insurance agency. The sales data may be, for example, monetary information about the insurance agency's sales over a specified period, information about the number of insurance products sold by each type, or information showing fluctuations in insurance product sales over a specified period. Furthermore, for example, the information processing device 100 may output comparative data on the number of sales of a specific insurance policy by insurance agency, ranking information about insurance policies sold at a specific insurance agency, or information about insurance products that a salesperson frequently sells. For example, if it is possible to identify which insurance products a salesperson sells well, it is possible to identify what type of insurance the salesperson specializes in, and if an insurance company that sells that type of insurance product does not sell that product, the insurance company can promote its own insurance products to that insurance agent. Conversely, if it becomes clear from the statistical data output by the information processing device 100 that an insurance product of a type that an insurance agent or salesperson does not sell, the insurance company that sells that type of insurance product can use this as an opportunity to make sales to that insurance agent or salesperson.

[0089] (6) Although the above insurance is described assuming insurance for a person, insurance is not limited to insurance for a person. The information processing device 100 may also be used for insurance for vehicles and ships, insurance for cargo in maritime transport, etc.

[0090] (7) When each functional unit of the information processing device 100 is implemented by software, the information processing device 100 includes a CPU that executes instructions from a program, which is software that implements each function; a ROM (Read Only Memory) or storage device (these are referred to as "recording media") on which the program and various information are recorded so as to be readable by a computer (or CPU); and a RAM (Random Access Memory) on which the program is deployed. The object of the present invention is achieved when the computer (or CPU) reads and executes the program from the recording media. That is, the information processing device 100 according to the present invention functions as each of the above-described components by the CPU executing the program loaded into the RAM. The recording media may be "non-transitory tangible media," such as semiconductor memory or programmable logic circuits. The program may also be supplied to the computer via any transmission medium capable of transmitting the program (such as a communication network or broadcast waves). The present invention may also be realized in the form of an information signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

[0091] The above program may be implemented using, for example, a scripting language such as ActionScript, JavaScript (registered trademark), Python, or Ruby; an object-oriented programming language such as C, C++, C#, Objective-C, Swift, or Java (registered trademark); or a markup language such as HTML5. Furthermore, the term "section, module, or unit" in the claims may be read as "means" or "circuit." For example, a communication unit may be read as communication means or a communication circuit.

[0092] Furthermore, the program of the present disclosure may be provided to the information processing device 100 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0093] (8) The order and timing of the processes described in the above embodiments can be changed as appropriate, provided that the same effects as those described in the above embodiments can be achieved. [Explanation of symbols]

[0094] 1 Information provision system 100 Information processing device 110 Communications Department 120 Input section 130 Output section 140 Storage section 141 Insurance Information 142 Fee Information 150 control section 151 Commission Calculation Department 152 Generation part 153 Provision Department 154 Proposal Department 200 Information processing terminal

Claims

1. a fee calculation unit that calculates various fees related to insurance; an output unit that outputs fee information indicating the fee calculated by the fee calculation unit; a storage unit for storing information relating to each insurance contract including commission information calculated by the commission calculation unit; a generating unit that generates insurance sales information in a format that makes it impossible to identify each insurance product with respect to the sales performance of each insurance product with respect to the information related to the insurance contract; a providing unit that provides the insurance sales information; An insurance information providing system comprising:

2. The generating unit converts each insurance product into an insurance type and generates the insurance sales information.

2. The insurance information providing system according to claim 1.

3. The fee calculation unit receives an input of a character string indicating a request for fee calculation, generates a formula for calculating the fee based on the character string, and calculates the fee.

2. The insurance information providing system according to claim 1.

4. A proposal unit is provided that generates and provides proposal information to insurance companies based on the information related to the insurance contract.

2. The insurance information providing system according to claim 1.

5. The proposal unit generates and provides proposal information that improves the profits of the insurance company and that results in higher long-term profits than short-term profits.

5. The insurance information providing system according to claim 4.

6. The computer a fee calculation step for calculating various fees related to insurance; an output step of outputting fee information indicating the fee calculated by the fee calculation step; a storage step of storing information relating to each insurance contract including the commission information calculated by the commission calculation step; a generating step of generating insurance sales information in a manner that makes it impossible to identify each insurance product with respect to the sales performance of each insurance product with respect to the information related to the insurance contract; a providing step of providing the insurance sales information; A method for providing insurance information.

7. On the computer, A fee calculation function that calculates various insurance-related fees, an output function for outputting fee information indicating the fee calculated by the fee calculation function; a storage function for storing information relating to each insurance contract including commission information calculated by the commission calculation function; a generating function for generating insurance sales information in a format that makes it impossible to identify each insurance product with respect to the sales performance of each insurance product with respect to the information related to the insurance contract; a provision function for providing the insurance sales information; An insurance information program that makes this possible.

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