Management server, damage compensation system, and method for damage compensation

Abstract

To provide a management server, a damage compensation system, and a method for damage compensation for compensating a loss when a user faces a trouble and suffers a financial loss as a result of a dispute with an opposing party.SOLUTION: In a damage compensation system, a management server 120 connected to a user terminal 100 via a network includes: a recovery amount calculation unit 140 for calculating a recovery amount based on user information stored in a user information storage unit 130 and recovery amount calculation information stored in a calculation information storage unit 131; a rights protection cost calculation unit 150 for calculating a rights protection cost; and an insurance payment reduction determination unit 160 for determining whether reduction of an insurance payment is necessary.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a management server, a damage compensation system, and a damage compensation method. [Background technology]

[0002] Traditionally, the insurance industry has required users to take out advance insurance to cover legal fees and other costs in preparation for future problems that may or may not occur, but it is common for insurance to not cover compensation even if purchased after a problem has occurred. Therefore, if advance insurance was not purchased in advance, the insurance compensation would not apply, and users would have to fight the other party while bearing the risk of incurring costs themselves (incurring expenses). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-297908 Summary of the Invention [Problem to be solved by the invention]

[0004] For example, Patent Document 1 discloses a damage compensation method in which an insurance contract is concluded between an insurer and a policyholder, the policyholder pays a premium to the insurer, and when the insured suffers damage due to a specified insurance accident in the contract, the insurer receives a claim for damage compensation from the policyholder to the insurer, and the insurer determines the amount of compensation using a specified calculation method and pays this amount to the beneficiary as insurance money.

[0005] However, Patent Document 1 does not intend to provide a damage compensation method for compensating for expenses incurred when a user encounters a problem and incurs expenses as a result of a dispute with the other party by generating an insurance payment amount display screen and providing it to the user.

[0006] An object of the present invention is to provide a technique that can compensate for expenses incurred when a user encounters a problem and suffers a dispute with the other party, resulting in expenses being incurable. [Means for solving the problem]

[0007] Among the inventions disclosed in this application, the outline of representative inventions will be briefly explained as follows.

[0008] In one embodiment of the present invention, a management server connected to a user terminal via a network includes a recovery amount calculation unit that calculates a recovery amount based on user information stored in a user information storage unit and recovery amount calculation information stored in a calculation information storage unit. The management server also includes a right protection expense calculation unit that calculates a right protection expense based on the user information and the right-related amount calculation information stored in the calculation information storage unit. The management server also includes an insurance payment reduction determination unit that determines whether or not an insurance payment reduction is necessary based on the user information, the right-related amount calculation information, and the payment amount calculation information. The management server also includes a payment amount calculation unit that determines an indemnity amount when a difference between the right acquisition amount and the right protection expense included in the right-related amount calculation information and the payment amount calculation information is equal to or greater than zero, or when a difference between the recovery amount and the right protection expense included in the payment amount calculation information is equal to or greater than zero, and when the insurance payment reduction determined by the insurance payment reduction determination unit is valid, multiplies the indemnity amount by a reduced indemnity rate included in the payment amount calculation information to calculate a payment amount. [Effects of the Invention]

[0009] According to the present invention, it is possible to provide a technology that can compensate for unearned expenses when a user encounters a problem and a dispute with the other party results in unearned expenses. Also, it is possible to provide a technology that can appropriately determine unearned expenses and manage the return of expenses to the advance payment provider, even when the user has not contributed his / her own funds to the dispute with the other party but has received advance payments from the advance payment provider, etc. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a diagram illustrating an outline of a configuration example of a management server in a damage compensation system according to an embodiment of the present invention. [Figure 2] A diagram showing an overview of user information stored in a user information storage unit of a management server in one embodiment of the present invention and recovery amount calculation information stored in a calculation information storage unit. [Figure 3] 1 is a diagram showing an overview of right-related amount calculation information and payment amount calculation information stored in a calculation information storage unit of a management server in one embodiment of the present invention. FIG. [Figure 4] FIG. 1 is a diagram showing an overview of the overall processing in one embodiment of the present invention. [Figure 5] FIG. 10 is a diagram illustrating an overview of a user information storage process and a user information acquisition process according to an embodiment of the present invention. [Figure 6] FIG. 1 is a diagram showing an outline of a recovery amount calculation period in one embodiment of the present invention. [Figure 7] FIG. 10 is a diagram showing an outline of a recovery amount calculation process according to an embodiment of the present invention. [Figure 8] FIG. 10 is a diagram showing an outline of a copyright protection fee calculation process according to an embodiment of the present invention. [Figure 9] FIG. 1 is a diagram showing an outline of insurance money reduction in one embodiment of the present invention. [Figure 10] FIG. 1 is a diagram showing an outline of insurance money reduction determination processing in one embodiment of the present invention. [Figure 11] FIG. 10 is a diagram showing an outline of a payment amount calculation process for an insurance accident α in one embodiment of the present invention. [Figure 12] FIG. 10 is a diagram showing an outline of a payment amount calculation process in the case of an insured event β in one embodiment of the present invention. [Figure 13] FIG. 10 is a diagram showing an outline of a payment amount display screen according to an embodiment of the present invention. [Figure 14] A figure showing an overview of the payment amount display screen generation process and payment amount display screen provision process in one embodiment of the present invention when the advance payment is ``no'' for the user's insurance contract related to the present invention. [Figure 15] FIG. 2 is a diagram showing an outline of advancing company information stored in an advancing company information storage unit of the management server according to an embodiment of the present invention. [Figure 16] FIG. 10 is a diagram showing an outline of a deposit completion screen according to an embodiment of the present invention. [Figure 17] This figure shows an overview of the payment amount display screen generation process and payment amount display screen provision process in one embodiment of the present invention, and the payment completion screen generation process and payment completion screen provision process when the advance payment is ``yes'' for the user's insurance contract related to the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, embodiments of the present invention will be described with reference to the drawings. Note that this is merely an example, and the technical scope of the present invention is not limited to this. In addition, in all drawings used to explain the embodiments, the same parts are generally designated by the same reference numerals, and repeated explanations thereof will be omitted. <System configuration> FIG. 1 is a diagram showing an outline of an example of the configuration of a management server in a damage compensation system according to an embodiment of the present invention.

[0012] 1, the damage compensation system according to the present invention includes a user terminal 100 and a management server 120 connected to the user terminal 100 via a network. That is, the management server 120 is connected to the user terminal 100 via the network.

[0013] Furthermore, when the user's insurance contract according to the present invention indicates that advance payment is "yes" (this corresponds to the case where the user refers to the contents of the insurance contract and wishes to be advanced; the same applies below), as shown in FIG. 1, the damage compensation system according to the present invention has a user terminal 100, an advance payment provider terminal 300, and a management server 120 connected to the user terminal 100 and the advance payment provider terminal 300 via a network. In other words, the management server 120 is connected to the user terminal 100 and the advance payment provider terminal 300 via a network. In this embodiment, advance payment includes "loan." In addition, in this embodiment, advance payment provider includes "money lender."

[0014] The management server 120 has a user information storage unit 130, a calculation information storage unit 131, a payment amount storage unit 132, an advance payment company information storage unit 133, a deposit account information storage unit 134, a recovery amount calculation unit 140, a right protection expense calculation unit 150, an insurance payment reduction determination unit 160, a payment amount calculation unit 170, a payment amount display screen generation unit 180, a payment amount display screen provision unit 181, a deposit completion screen generation unit 190, and a deposit completion screen provision unit 191.

[0015] The user information storage unit 130 stores user information 200 (described later, FIG. 2(a)). The calculation information storage unit 131 stores recovery amount calculation information 210 (described later, FIG. 2(b)). The calculation information storage unit 131 also stores rights-related amount calculation information 220 (described later, FIG. 3(a)). The calculation information storage unit 131 also stores payment amount calculation information 230 (described later, FIG. 3(b)). The payment amount storage unit 132 stores payment amounts.

[0016] Furthermore, the advance payment provider information storage unit 133 stores advance payment provider information 310 (described later, FIG. 14).

[0017] Furthermore, deposit account information is stored in the deposit account information storage unit 134. The deposit account information indicates information necessary for managing the deposit account of the user's lawyer, such as deposits from the user and amounts recovered from the opposing party in a dispute. The deposit account information is used by the recovery amount calculation unit 140 of the management server 120 when calculating the recovery amount.

[0018] The recovery amount calculation unit 140 calculates the recovery amount A. The recovery amount calculation process will be described later with reference to FIGS.

[0019] The right protection fee calculation unit 150 calculates right protection fees B and B', which include attorney's fees, litigation costs, investigation costs, etc. Right protection fees B and B' indicate the total amount of costs required for the user to protect or assert his / her own rights in litigation or other proceedings to resolve a problem the user has encountered. The right protection fee calculation process will be described later in FIG. 8.

[0020] The insurance money reduction determination unit 160 determines whether or not insurance money reduction is necessary. Insurance money reduction refers to a process of subtracting an amount from the payment amount when the recovery capability is extremely low, that is, when the lawsuit is lost and the amount of economic benefit recognized is low (low success rate), or when the recovery from the other party in the lawsuit (recovery rate) is extremely low for some reason. The insurance money reduction determination process will be described later with reference to Figures 9 and 10.

[0021] The payment amount calculation unit 170 calculates the payment amount. The payment amount calculation process will be described later with reference to FIG.

[0022] The payment amount display screen generating unit 180 generates a payment amount display screen 1200 and a payment amount display screen 1220. Details of the payment amount display screen 1200 and the payment amount display screen 1220 and details of the payment amount display screen generating process will be described later with reference to Figs.

[0023] The payment amount display screen providing unit 181 provides a payment amount display screen 1200 to the user terminal 100. The payment amount display screen providing unit 181 provides a payment amount display screen 1220 to the advance payment provider terminal 300. The payment amount display screen providing process will be described later with reference to FIG.

[0024] The deposit completion screen generating unit 190 generates a deposit completion screen 1500. The deposit completion screen 1500 and the deposit completion screen generating process will be described later with reference to FIGS.

[0025] The deposit completion screen providing unit 191 provides a deposit completion screen 1500 to the user terminal 100. The deposit completion screen providing process will be described later with reference to FIG. <User information storage section> FIG. 2(a) is a diagram showing an outline of an example of the configuration of user information 200 stored in the user information storage unit 130 of the management server 120 according to an embodiment of the present invention.

[0026] As shown in Figure 2(a), user information 200 is composed of data items such as user ID, name, case ID, information for calculating recovery amount 210, information for calculating rights-related amount 220, information for calculating payment amount 230, and advance payment company information 310.

[0027] The user ID indicates a code used by the management server 120 to identify the user. The name indicates the name of the user. The case ID indicates a code used by the management server 120 to identify the case.

[0028] The recovery amount calculation information 210 indicates information for the management server 120 to calculate the recovery amount A (details will be described later).

[0029] The right-related amount calculation information 220 indicates information for the management server 120 to calculate the right protection fee B and the like (details will be described later).

[0030] The payment amount calculation information 230 indicates information used by the management server 120 to calculate the payment amount (details will be described later).

[0031] If the user's insurance contract according to the present invention includes an advance payment option, the advance payment provider information 310 indicates information about the advance payment provider that has a contract with the user and will make the advance payment (details will be described later in FIG. 14).

[0032] In addition to the above, the user information 200 includes information on the details of the trouble, the other party to the trouble, the time of the trouble occurrence, the notice contents for the notice items such as the date of commission to the lawyer, etc. This information is acquired by the user terminal 100 accepting input from the user.

[0033] For example, if the "details of the trouble" item in the above information is not covered by insurance, or if the "information on the other party involved in the trouble" is unknown, the management server 120 determines that the case is not covered by insurance. In this way, the management server 120 can determine whether or not to impose insurance restrictions on each user, and can prevent unnecessary payments of compensation for cases that are not covered by insurance.

[0034] Furthermore, if the user desires a contract that provides high compensation (for example, 1 million yen or more) or advance payment, the user information 200 includes more detailed information such as a "case report." By acquiring and storing this detailed information, the management server 120 can more accurately determine whether something is not covered by insurance or whether there is a violation of the duty to disclose when providing high compensation or advance payment.

[0035] FIG. 2(b) is a diagram showing an outline of an example of the configuration of the recovery amount calculation information 210 included in the user information 200 stored in the user information storage unit 130 of the management server 120 in one embodiment of the present invention. The information 210 for calculating the recovery amount indicates information such as the user ID, case ID, date of right acquisition (date of occurrence of insurance event α), payment deadline, (date of determination of irrecoverability (date of occurrence of insurance event β)), form, installment recovery amount, lawyer certification regarding the appropriateness of the recovery amount, recovery amount in the lawyer's deposit account, and payment destination.

[0036] The "rights acquisition date" indicates the date on which the user acquires the right to receive compensation for damages, etc. from the other party in the dispute through a judgment or settlement, that is, the date on which the insured event α occurs.

[0037] The "payment deadline" indicates the deadline for payment of damages, etc. that arise when a user exercises his or her right to obtain damages, etc. from the other party in a lawsuit.

[0038] The "date of judgment of irrecoverability" indicates the date on which the damages to be paid by the other party to the lawsuit to the user become irrecoverable, i.e., the date on which the insured event β occurred.

[0039] "Form" refers to the form of payment of damages arising from the User's exercise of the right to obtain damages from the other party in the dispute. The form can be a lump sum payment, installment payments, or both.

[0040] "Amount recovered in installments" indicates the amount paid to the user when the payment of damages arising from the user's exercise of his / her right to obtain damages, etc. from the other party in a lawsuit is made in installments.

[0041] FIG. 3(a) is a diagram showing an outline of an example of the configuration of the right-related amount calculation information 220 stored in the calculation information storage unit 131 of the management server 120 in one embodiment of the present invention.

[0042] 3(a), the rights-related amount calculation information 220 is composed of data items such as the case ID, the insurance period, the insurance policy, the expense item, the amount claimed by the other party, the amount of the acquired rights, the expense item paid, the expense payment date, the expense amount, the expense payment method, the expense voucher, and the certification by our company and the lawyer regarding the contribution of expenses. The rights-related amount calculation information 220 refers to the information necessary to calculate the rights protection expenses B and B', the success rate x, and the recovery rate y.

[0043] "Insurance period" refers to a specific period after the user enrolls in insurance. Note that if the contract is a renewal contract (for example, when the initial two-year contract expires and a new two-year contract is signed), the insurance period refers to the total period from the start date of the initial contract.

[0044] The "insurance policy" indicates information about the contents of the insurance contracted by the user, including the insurance period and the insurance amount I (described later).

[0045] "Item" indicates information about what the user is claiming from the other party in the dispute (claim), such as compensation, child support, and damages.

[0046] "Amount claimed by the other party" indicates the amount claimed by the user to the other party in the dispute. If the amount claimed by the other party is less than 1 million yen, for example, the management server 120 determines that the claim is not covered by insurance.

[0047] The "amount of rights acquired" indicates the amount of damages, etc., awarded by the opposing party in a lawsuit based on the rights acquired by the user through a judgment or settlement.

[0048] FIG. 3(b) is a diagram showing an outline of an example of the configuration of payment amount calculation information 230 stored in the calculation information storage unit 131 of the management server 120 in one embodiment of the present invention.

[0049] As shown in Figure 3(b), the payment amount calculation information 230 is composed of data items such as user ID, case ID, insurance period, insurance amount I, acquired right amount D, recovered amount A, right protection costs B and B', reduced compensation rate R, notification obligation determination, and lawyer's certification of case completion.

[0050] "Insurance amount I" indicates information about the insurance amount that the user has subscribed to. The insurance amount I can be obtained by referring to the insurance policy terms and conditions. For example, the insurance amount I varies depending on the scale of the dispute, and can be 300,000 yen, 500,000 yen, 1 million yen, etc.

[0051] The right acquisition amount D indicates the amount of damages, etc., awarded by the opposing party in the dispute based on the rights acquired by the user through a judgment or settlement, and is the information shown in Figure 3(a).

[0052] The "recovery amount A" indicates the amount actually paid to the user by the opposing party in the dispute. The recovery amount A is calculated by the management server 120.

[0053] "Rights protection expenses B and B'" refer to expenses incurred by the user to protect their rights in litigation, such as attorney's fees, litigation costs, and investigation costs. Rights protection expenses B and B' are calculated by the management server 120.

[0054] The "reduced indemnity rate R" indicates the reduced indemnity rate by which the compensation amounts C and C' (details will be described later) are multiplied when the recovery capacity is extremely low, i.e., when the lawsuit results in a loss and the amount of economic benefit recognized is low (low success rate), or when the recovery from the opposing party in the lawsuit (recovery rate) is extremely low for some reason. The reduced indemnity rate R is a preset arbitrary value less than 1.

[0055] "Disclosure obligation judgment" indicates the result of a judgment made by a lawyer or the like in the case as to whether the disclosure content by the user at the time of signing the insurance contract is correct. The disclosure content indicates the disclosure content made by the user at the time of signing the insurance contract, such as the content of the trouble, the other party to the trouble, and the time of the trouble occurrence.

[0056] "Case Completion Determination" indicates the result of the judgment made by the lawyer in charge regarding the termination of the case. This prevents cases such as insurance claims being filed based solely on the user's own declaration, even when the case has not yet been closed.

[0057] As a result of judging the notification content, if there is a discrepancy between the notification content and the facts, it is stored as a violation of the notification obligation in the "notification obligation judgment." As a result, if there is a discrepancy in the "notification obligation judgment," the payment amount calculation unit 170 can not calculate the payment amount (details will be described later in FIG. 11). In other words, if there is a violation of the notification obligation, the management server 120 can prevent the payment amount from being incurred. <Overall processing> FIG. 4 is a diagram showing an overview of the overall processing in one embodiment of the present invention.

[0058] First, when an insured event α occurs, in S401, the management server 120 performs a user information storage process, a user information acquisition process (described later with reference to FIG. 5), and a payment amount calculation information acquisition process.

[0059] Next, in S402, the management server 120 performs a process for calculating the copyright protection fee B'.

[0060] Next, in S403, the management server 120 performs a process of determining the difference between the right protection fee B' and the acquired right amount D.

[0061] Next, in S404, the management server 120 performs insurance money reduction determination processing.

[0062] Next, in S405, the management server 120 performs a payment amount C' calculation process.

[0063] Next, in S406, the management server 120 performs a payment amount display screen generation process and a payment amount display screen provision process.

[0064] Next, only when the advance payment is "yes" for the insurance contract according to the present invention of the user, the management server 120 performs the process of generating a payment completion screen and the process of providing a payment completion screen in S407.

[0065] Furthermore, if the insured event β occurs, the management server 120 performs user information storage processing and user information acquisition processing in S408. Note that even if the insured event α does not occur and only the insured event β occurs, the management server 120 also performs the processing of step S408.

[0066] Next, in S409, the management server 120 performs a copyright protection fee B calculation process.

[0067] Next, in S410, the management server 120 performs a recovery amount calculation process.

[0068] Next, in S411, the management server 120 performs processing to determine the difference between the copyright protection fee B and the collected amount.

[0069] Next, in S412, the management server 120 performs insurance money reduction determination processing.

[0070] Next, in S413, the management server 120 performs a payment amount C calculation process.

[0071] Next, in S414, the management server 120 performs a payment amount display screen generation process and a payment amount display screen provision process.

[0072] Next, only when the advance payment is "yes" for the insurance contract according to the present invention of the user, the management server 120 performs the process of generating a payment completion screen and the process of providing a payment completion screen in S415. <User information storage process> 5(a) is a diagram showing an outline of the user information storage process in one embodiment of the present invention. The method by which the management server 120 stores the user information 200 will be described below.

[0073] First, in S501, the management server 120 provides a user information input screen to the user terminal 100. Next, in S502, the user terminal 100 displays the user information input screen on the display.

[0074] Thereafter, when the user uses the system according to the present invention for the first time, in S503 the user terminal 100 accepts input of user information 200 from the user. The user information 200 is made up of data items such as a user ID and name. Next, in S504, the user terminal 100 transmits the user information 200 inputted in S503 to the management server 120.

[0075] Next, in S505, the management server 120 receives the user information 200 sent in S504, thereby acquiring the user information 200. Next, in S506, the management server 120 adds a user ID to the received user information 200, and stores the user information 200 inputted in S503 in the user information storage unit . <User information acquisition process> 5(b) is a diagram showing an outline of the user information acquisition process in one embodiment of the present invention. The method by which the management server 120 acquires the user information 200 will be described below.

[0076] When the user uses the system according to the present invention for the second or subsequent time, the user terminal 100 receives an input of a user ID from the user in S507. Next, in S508, the user terminal 100 transmits the user ID inputted in S507 to the management server 120.

[0077] Thereafter, in S509, the management server 120 acquires from the user information storage unit 130 the user information 200 corresponding to the key of the user ID transmitted in S508. <Period for calculating recovery amount> FIG. 6 is a diagram showing an outline of a recovery amount calculation period 620 in one embodiment of the present invention.

[0078] FIG. 6(a) is a diagram showing an outline of a recovery amount calculation period 620 when the payment form of the recovery amount A is a lump sum payment.

[0079] As shown in Figure 6(a), the recovery amount calculation period 620 is a period of three months from the payment due date 610. The payment due date 610 is a payment due date stipulated based on rights as a predetermined period from the rights acquisition date 600. The rights acquisition date 600 indicates the date on which the user acquires the right to receive compensation for damages, etc. from the other party in the dispute through a judgment or settlement.

[0080] FIG. 6(b) is a diagram showing an outline of a recovery amount calculation period 640 when the payment form of the recovery amount A is installment payment.

[0081] As shown in FIG. 6(b), the recovery amount calculation period 640 is the period from each installment payment due date 610 to three months after the installment payment that has not yet been paid.

[0082] In this way, by determining whether the payment method is a lump sum, installments, or both, and setting the corresponding recovery amount calculation period, the management server 120 calculates and stores the recovery amount A. This allows the management server 120 to calculate the recovery amount for the user without omission for different insurance contract contents. It also prevents expenses outside the recovery amount calculation period from being included in the recovery amount. <Recovery amount calculation process> 7 is a diagram showing an outline of the recovery amount calculation process in one embodiment of the present invention. A method by which the management server 120 calculates the recovery amount A will be described below.

[0083] First, in S701, the recovery amount calculation unit 140 of the management server 120 extracts, from the user information storage unit 130, the user information 200 corresponding to the case ID for which the recovery amount A is to be calculated.

[0084] Next, in S702, the recovery amount calculation unit 140 of the management server 120 extracts from the deposit account information storage unit 134 the deposit account information of the attorney in charge linked to the user information 200 extracted in S701.

[0085] Next, in S703, the recovery amount calculation unit 140 of the management server 120 extracts from the calculation information storage unit 131 the recovery amount calculation information 210 linked to the user information 200 extracted in S701.

[0086] If the period from the right acquisition date 600 to the payment due date 610 obtained from the recovery amount calculation information 210 extracted in S703 is within two years, the recovery amount calculation unit 140 proceeds to step S705. If the period from the right acquisition date 600 to the payment due date 610 obtained from the recovery amount calculation information 210 extracted in S703 is not within two years, the recovery amount calculation unit 140 ends this step.

[0087] Thereafter, in S705, the recovery amount calculation unit 140 determines whether the payment method obtained from the recovery amount calculation information 210 extracted in S703 is a lump sum, installments, or both. Note that "method" refers to the payment method, and whether it is a lump sum, installments, or both is registered in advance in the recovery amount calculation information 210.

[0088] If the form obtained from the recovery amount calculation information 210 extracted in S703 is "lump sum," the recovery amount calculation unit 140 proceeds to step S706. If the form obtained from the recovery amount calculation information 210 extracted in S703 is "split or both," the recovery amount calculation unit 140 proceeds to step S707.

[0089] In S706, the recovery amount calculation unit 140 calculates the period from the payment deadline 610 obtained from the recovery amount calculation information 210 extracted in S703 to three months as the recovery amount calculation period 620, and calculates the amount paid during the recovery amount calculation period 620 as the recovery amount A based on the deposit account information extracted in S702 and the recovery amount calculation information 210 extracted in S703.

[0090] Also, in S707, the recovery amount calculation unit 140 calculates the "period from the payment deadline 610 to three months after the installment payment for which payment has not been completed" obtained from the recovery amount calculation information 210 extracted in S703 as the recovery amount calculation period 640, and calculates the recovery amount A as the sum of the installment recovery amount that has already been paid and the amount paid during the recovery amount calculation period 640 based on the deposit account information extracted in S702 and the recovery amount calculation information 210 extracted in S703.

[0091] In addition, in S708, the recovery amount calculation unit 140 calculates the amount of recovery A as the amount paid up until the time when both the "lump sum" and "installment" events occur.

[0092] Next, in S709, the calculation information storage unit 131 stores the recovery amount A calculated by the recovery amount calculation information 210 in S706 to S708.

[0093] In this way, by determining whether the payment method is a lump sum, installments, or both, and setting the corresponding recovery amount calculation period, the management server 120 calculates and stores the recovery amount A, so that the management server 120 can calculate the user's recovery amount without omission even for different insurance contract contents. <Right protection fee calculation process> 8 is a diagram showing an outline of the right protection fee calculation process in one embodiment of the present invention. Below, we will explain how management server 120 calculates right protection fee B' on the right acquisition date (the date on which insured event α occurs) and right protection fee B on the date on which collection is not determined (the date on which insured event β occurs).

[0094] First, in S801, the copyright protection fee calculation unit 150 of the management server 120 extracts from the user information storage unit 130 the user information 200 corresponding to the case ID for which copyright protection fees B and B' are to be calculated.

[0095] Next, in S802, the right protection expense calculation unit 150 references the extracted user information 200 and determines whether or not the user's insurance contract according to the present invention includes "advance payment." If the user's insurance contract according to the present invention includes "advance payment," the right protection expense calculation unit 150 proceeds to step S803. If the user's insurance contract according to the present invention does not include "advance payment," the right protection expense calculation unit 150 proceeds to step S804.

[0096] In S803, the copyright protection fee calculation unit 150 extracts, from the advance payment provider information storage unit 133, the advance payment provider information 310 linked to the user information 200 extracted in S801.

[0097] In S804, the right protection fee calculation unit 150 extracts the right-related amount calculation information 220, the recovery amount calculation information 210, and the payment amount calculation information 230 linked to the user information 200 extracted in S801 from the calculation information storage unit 131.

[0098] Then, in S806, the right protection expense calculation unit 150 calculates right protection expenses B and B' by summing up only the expenses covered by insurance as of each date, by referring to the "insurance policy, expense items, payment date, expense amount, individual entry fee, etc." obtained from the right-related amount calculation information 220 extracted in S804 and the recovery amount calculation information 210, as well as the "right acquisition date (date of occurrence of insurance event α) and date of determination of non-recovery (date of occurrence of insurance event β)." Furthermore, if the user's insurance contract relating to the present invention indicates that advance payment is "yes," the right protection expense calculation unit 150 calculates the right protection expenses B and B' by referring to the "insurance policy, expense items paid, payment date, expense amount, individual entry fee, etc." obtained from the advance payment company information 300 extracted in S803, the right-related amount calculation information 220 extracted in S804, and the recovery amount calculation information 210, as well as the "rights acquisition date (date of occurrence of insurance event α) and the date of determination of non-recovery (date of occurrence of insurance event β)."

[0099] The insurance amount (I) obtained from the payment amount calculation information 230 is compared with the right protection fees B and B', and the smaller of the two is set as the right protection fees B2 and B2' for compensation.

[0100] Next, in S807, the calculation information storage unit 131 stores the indemnity right protection fees B2 and B2' calculated by the right protection fee calculation unit 150 in S806.

[0101] In this way, the management server 120 calculates the right protection fees B and B' after referring to the expense items and stores the indemnity right protection fees B2 and B2', so that the management server 120 can prevent expenses on the right acquisition date (the date on which the insured event α occurs) and the date on which the non-recovery is determined (the date on which the insured event β occurs) and expenses for items not covered by insurance from being included in the right protection fees B and B'. <Insurance benefit reduction> 9 is a diagram showing an outline of insurance money reduction in one embodiment of the present invention. Note that, although a method of setting reduced compensation will be described, a method of setting a deductible amount (a method of deducting the actual amount) may also be used.

[0102] 9(a), a matrix 900 used when determining whether or not to reduce insurance money includes an insurance money reduction area 910. The matrix 900 has the success rate x on the horizontal axis and the recovery rate y on the vertical axis.

[0103] The insurance money reduction area 910 indicates an area corresponding to, for example, the case where "the winning rate x is 20% or less or the recovery rate y is 20% or less." Note that there is no particular limitation on the ratio of the winning rate x and the recovery rate y that constitute the insurance money reduction area 910.

[0104] When the numerical values ​​of the win rate x and the recovery rate y are substituted into the matrix 900, if the result falls within the insurance money reduction area 910, the insurance money reduction determination unit 160 determines that the insurance money reduction is "valid." If the result does not fall within the insurance money reduction area 910, the insurance money reduction determination unit 160 determines that the insurance money reduction is "invalid."

[0105] Figure 9(b) shows an overview of the win rate x, recovery rate y, and reduced compensation rate R.

[0106] The insurance money reduction determination unit 160 extracts the amount claimed by the other party and the acquired right amount to calculate the winning rate x. The winning rate x is a numerical value obtained by dividing the acquired right amount by the amount claimed by the other party.

[0107] The insurance money reduction determination unit 160 calculates the recovery rate y by extracting the acquired right amount and the recovered amount A. The recovery rate y is a numerical value obtained by dividing the recovered amount A by the acquired right amount.

[0108] By calculating the win rate x and the recovery rate y in the above manner, the management server 120 can grasp the user's recovery ability. In addition, the win rate x and the recovery rate y can be used as numerical values ​​to be substituted into the matrix 900.

[0109] The reduction compensation rate R is a preset value equal to or less than 1, for example, 0.90.

[0110] In this way, by using matrix 900 to determine whether or not to reduce insurance payments, management server 120 can limit the amount of insurance payments to the user if the user's recovery ability, as determined based on the extracted information (amount of acquired rights, amount claimed by the other party, and recovery amount A), is significantly low. <Insurance benefit reduction judgment processing> 10 is a diagram showing an outline of the insurance money reduction determination process in one embodiment of the present invention. The method by which the management server 120 determines whether or not insurance money reduction is necessary will be described below.

[0111] First, in S1001, the insurance money reduction determination unit 160 of the management server 120 extracts, from the user information storage unit 130, the user information 200 corresponding to the case ID for which it is desired to determine whether or not insurance money reduction is necessary.

[0112] Next, in S1002, the insurance money reduction determination unit 160 of the management server 120 extracts from the calculation information storage unit 131 the rights-related amount calculation information 220 and payment amount calculation information 230 linked to the corresponding case ID from the user information 200 extracted in S1001.

[0113] Next, in S1003, the insurance money reduction determination unit 160 calculates the winning rate x by referring to the amount claimed by the other party and the acquired right amount obtained from the right-related amount calculation information 220 extracted in S1002. The winning rate x is a numerical value obtained by dividing the acquired right amount by the amount claimed by the other party.

[0114] The insurance money reduction determination unit 160 substitutes the winning rate x calculated in S1003 into the matrix 900 to determine whether it falls into the insurance money reduction area 910.

[0115] If the winning rate x calculated in S1003 is substituted into the matrix 900 and falls within the insurance money reduction area 910, the insurance money reduction determination unit 160 determines the insurance money reduction as "effective" in S1006.

[0116] If the winning rate x calculated in S1003 is substituted into the matrix 900 and does not fall within the insurance money reduction area 910, the insurance money reduction determination unit 160 determines the insurance money reduction to be "invalid" in S1007.

[0117] Next, in S1004, the insurance money reduction determination unit 160 calculates the recovery rate y by referring to the acquired right amount obtained from the right-related amount calculation information 220 extracted in S1002 (acquired right amount D obtained from the payment amount calculation information 230) and the recovered amount A obtained from the payment amount calculation information 230. The recovery rate y is a numerical value obtained by dividing the recovered amount A by the acquired right amount.

[0118] Next, in S1005, the insurance money reduction determination unit 160 substitutes each value of the recovery rate y calculated in S1004 into the matrix 900 and determines whether it falls within the insurance money reduction region 910.

[0119] When each value of the recovery rate y calculated in S1004 is substituted into the matrix 900, if it falls within the insurance money reduction area 910, the insurance money reduction determination unit 160 determines the insurance money reduction as "valid" in S1006.

[0120] When each value of the recovery rate y calculated in S1004 is substituted into the matrix 900, if it does not fall into the insurance money reduction area 910, the insurance money reduction determination unit 160 determines the insurance money reduction to be "invalid" in S1007.

[0121] In this way, by using matrix 900 to determine whether or not to reduce insurance payments, management server 120 can limit the amount of insurance compensation if the user's recovery ability, as determined based on the extracted information (amount of acquired rights, amount claimed by the other party, and recovery amount A), is significantly low. <Payment amount calculation process for insurance event α> 11 is a diagram showing an outline of the payment amount calculation process for the insured event α in one embodiment of the present invention. The method by which the management server 120 calculates the payment amount will be described below.

[0122] First, in S1101, the payment amount calculation unit 170 of the management server 120 extracts from the user information storage unit 130 the user information 200 corresponding to the case ID for which the payment amount is to be calculated.

[0123] Next, in S1102, the payment amount calculation unit 170 extracts from the calculation information storage unit 131 the recovery amount calculation information 210 and payment amount calculation information 230 linked to the corresponding case ID from the user information 200 extracted in S1101.

[0124] Next, in S1103, the payment amount calculation unit 170 determines whether the "date of occurrence of insurance event α" obtained from the recovery amount calculation information 210 extracted in S1102 occurs during the "insurance period" obtained from the payment amount calculation information 230.

[0125] If the "date of occurrence of insured event α" obtained from the recovery amount calculation information 210 extracted in S1102 occurs during the "insurance period" obtained from the payment amount calculation information 230, the payment amount calculation unit 170 proceeds to step S1104. If the "date of occurrence of insured event α" obtained from the recovery amount calculation information 210 extracted in S1102 does not occur during the "insurance period" obtained from the payment amount calculation information 230, the payment amount calculation unit 170 ends this step.

[0126] Next, in S1104, the payment amount calculation unit 170 determines whether or not there is any discrepancy in the "notification obligation determination" obtained from the payment amount calculation information 230 extracted in S1102.

[0127] If there is no discrepancy in the "notification obligation determination" obtained from the payment amount calculation information 230 extracted in S1102, the payment amount calculation unit 170 proceeds to step S1105. If there is a discrepancy in the "notification obligation determination" obtained from the payment amount calculation information 230 extracted in S1102, the payment amount calculation unit 170 ends this step.

[0128] Next, in S1105, the payment amount calculation unit 170 calculates the difference L1 between the acquired right amount D obtained from the payment amount calculation information 230 extracted in S1102 and the right protection fee B2'.

[0129] Next, in S1106, the payment calculation unit 170 determines whether the difference L1 calculated in S1105 is 0 or more.

[0130] If the difference L1 calculated in S1105 is equal to or greater than 0, the payment calculation unit 170 proceeds to step S1107. If the difference L1 calculated in S1105 is not equal to or greater than 0, the payment calculation unit 170 ends this step.

[0131] In this way, by performing the payment amount calculation process only when the difference L1 is equal to or greater than 0, the management server 120 can pay the payment amount to the user only when the user has become "unpayable."

[0132] Next, in S1107, the payment amount calculation unit 170 determines whether or not the insurance payment reduction determined in S404 is valid.

[0133] If the insurance money reduction is valid, the payment amount calculation unit 170 proceeds to step S1108. If the insurance money reduction is not valid, the payment amount calculation unit 170 proceeds to step S1109.

[0134] In S1108, the payment amount calculation unit 170 calculates the payment amount by multiplying the difference L1 by the reduced indemnity rate R obtained from the payment amount calculation information 230 extracted in S1102. The payment amount calculation unit 170 also stores the calculated payment amount in the payment amount storage unit 132.

[0135] On the other hand, in S1109, the payment calculation unit 170 calculates the difference L1 as the payment amount, and stores it in the payment storage unit 132.

[0136] In this way, by calculating the payment amount by multiplying the reduction in reimbursement rate R by the difference L1 when insurance benefit reduction is effective, the management server 120 can limit the amount of insurance payment to the user when the user's recovery ability, as determined based on the extracted information, is significantly low. <Payment calculation process for insurance event β> 12 is a diagram showing an outline of the payment amount calculation process in the case of the insured event β in one embodiment of the present invention. The method by which the management server 120 calculates the payment amount will be described below.

[0137] First, in S1201, the payment amount calculation unit 170 of the management server 120 extracts, from the user information storage unit 130, the user information 200 corresponding to the case ID for which the payment amount is to be calculated.

[0138] Next, in S1202, the payment amount calculation unit 170 extracts from the calculation information storage unit 131 the recovery amount calculation information 210 and payment amount calculation information 230 linked to the corresponding case ID from the user information 200 extracted in S1201.

[0139] Next, in S1203, the payment amount calculation unit 170 determines whether the "date of occurrence of the insured event β" obtained from the recovery amount calculation information 210 extracted in S1202 occurs during the "insurance period" obtained from the payment amount calculation information 230.

[0140] If the "date of occurrence of the insured event β" obtained from the recovery amount calculation information 210 extracted in S1202 occurs during the "insured period" obtained from the payment amount calculation information 230, the payment amount calculation unit 170 proceeds to step S1204. If the "date of occurrence of the insured event β" obtained from the recovery amount calculation information 210 extracted in S1202 does not occur during the "insured period" obtained from the payment amount calculation information 230, the payment amount calculation unit 170 ends this step.

[0141] Next, in S1204, the payment amount calculation unit 170 determines whether or not there is any discrepancy in the "notification obligation determination" obtained from the payment amount calculation information 230 extracted in S1202.

[0142] If there is no discrepancy in the "notification obligation determination" obtained from the payment amount calculation information 230 extracted in S1202, the payment amount calculation unit 170 proceeds to step S1205. If there is a discrepancy in the "notification obligation determination" obtained from the payment amount calculation information 230 extracted in S1202, the payment amount calculation unit 170 ends this step.

[0143] Next, in S1205, the payment amount calculation unit 170 calculates the difference L2 between the recovery amount A obtained from the payment amount calculation information 230 extracted in S1202 and the right protection fee B2.

[0144] Next, in S1206, the payment calculation unit 170 determines whether the difference L2 calculated in S1205 is 0 or more.

[0145] If the difference L2 calculated in S1205 is equal to or greater than 0, the payment calculation unit 170 proceeds to step S1207. If the difference L2 calculated in S1205 is not equal to or greater than 0, the payment calculation unit 170 ends this step.

[0146] In this way, by performing the payment amount calculation process only when the difference L2 is equal to or greater than 0, the management server 120 can pay the payment amount to the user only when the user has become "unpayable."

[0147] Next, in S1207, the payment calculation unit 170 extracts the payment L1 for the insured event α from the payment storage unit 132, and calculates the difference L3 (=L2-L1) from the difference L2 and the payment L1.

[0148] Next, in S1208, the payment amount calculation unit 170 determines whether or not the insurance payment reduction determined in S404 is valid.

[0149] If the insurance money reduction is valid, the payment amount calculation unit 170 proceeds to step S1209. If the insurance money reduction is not valid, the payment amount calculation unit 170 proceeds to step S1210.

[0150] In S1209, the payment amount calculation unit 170 calculates the payment amount by multiplying the difference L3 by the reduced indemnity rate R obtained from the payment amount calculation information 230 extracted in S1202. The payment amount calculation unit 170 also stores the calculated payment amount in the payment amount storage unit 132.

[0151] On the other hand, in S1210, the payment calculation unit 170 calculates the difference L3 as the payment amount, and stores it in the payment storage unit 132.

[0152] In this way, by calculating the payment amount by multiplying the reduced indemnity rate R by the difference L3 when insurance benefit reduction is effective, the management server 120 can limit the amount of insurance payment to the user when the user's recovery ability, as determined based on the extracted information, is significantly low. <Payment amount display screen> FIG. 13 is a diagram showing an outline of a payment amount display screen 1200 and a payment amount display screen 1220 according to one embodiment of the present invention.

[0153] Fig. 13(a) shows a payment amount display screen 1200 when the advance payment is "no" for the user's insurance contract according to the present invention. Fig. 13(b) shows a payment amount display screen 1220 when the advance payment is "yes" for the user's insurance contract according to the present invention.

[0154] 13, the payment amount display screen 1200 and the payment amount display screen 1220 include a payment amount display area 1210. The payment amount display screen 1200 is displayed on the user terminal 100. In addition, the payment amount display screen 1220 is displayed on the payment advance service provider terminal 300.

[0155] The payment amount display area 1210 displays the payment amount calculated by the payment amount calculation unit 170. Note that the way in which the payment amount display area 1210 is displayed is not particularly limited.

[0156] In this way, the management server 120 can easily inform the user of the amount to be paid by insurance if the dispute ultimately results in a loss by having the user check the payment amount in the payment amount display area 1210 included in the payment amount display screen 1200 displayed on the user terminal 100. <Payment amount display screen generation process> FIG. 14 is a diagram showing an overview of the payment amount display screen generation process and the payment amount display screen provision process in one embodiment of the present invention when the advance payment is set to "no" for the user's insurance contract related to the present invention.

[0157] As shown in FIG. 14(a), first, in S1401, the payment amount display screen generation unit 180 of the management server 120 extracts the user information 200 corresponding to the user ID for which the payment amount display screen 1200 is to be provided from the user information storage unit 130.

[0158] Next, in S1402, the payment amount display screen generating unit 180 extracts from the payment amount storage unit 132 the payment amount corresponding to the case ID included in the user information 200 extracted in S1401.

[0159] Next, in S1403, the payment amount display screen generating unit 180 generates the payment amount display screen 1200 based on the payment amount extracted in S1402. <Payment amount display screen provision process> As shown in FIG. 14(b), first, in S1404, the payment amount display screen providing unit 181 of the management server 120 transmits the payment amount display screen 1200 generated in S1403 to the user terminal 100.

[0160] Next, in S1405, the user terminal 100 receives the payment amount display screen 1200 transmitted in S1404 from the management server 120. Next, the received payment amount display screen 1200 is displayed on the display.

[0161] By providing the payment amount display screen 1200 to the user terminal 100 in this manner, the management server 120 can easily inform the user of the amount to be paid by insurance if the dispute ultimately results in a loss on expenses by having the user check the payment amount in the payment amount display area 1210 included in the payment amount display screen 1200 and the payment amount display screen 1220 displayed on the user terminal 100. <Advance payment provider information>

[0162] FIG. 15 is a diagram showing an outline of the advancing agent information 310 stored in the advancing agent information storage unit 133 of the management server 120 in one embodiment of the present invention.

[0163] As shown in FIG. 15(a), the advance payment provider information 310 is composed of data items such as an advance payment provider ID, a name, a case ID, a user ID, contract details, a payment amount, and a right protection fee related to the advance payment.

[0164] The advancing company ID indicates a code used by the management server 120 to identify the advancing company. The name indicates the name of the advancing company.

[0165] The contract details indicate the details of the insurance contract including information clearly indicating whether the advance payment is "yes" or "no" for the user's insurance contract according to the present invention.

[0166] The payment amount indicates the payment amount calculated by the management server 120 in S405.

[0167] As shown in FIG. 15(b), the advance payment provider ID included in the advance payment provider information 310 is linked to the case ID. That is, an advance payment provider is linked to each case. Furthermore, the case ID is linked to the user ID. That is, one or more cases are linked to each user.

[0168] Therefore, in S401, the management server 120 can acquire the user information 200 from the user terminal 100 and at the same time acquire the advance payment provider information 310 linked to the case ID, thereby saving the trouble of accepting input from the advance payment provider terminal 300. <Deposit completion screen> FIG. 16 is a diagram showing an outline of a deposit completion screen 1500 according to an embodiment of the present invention.

[0169] 16, the deposit completion screen 1500 includes a deposit amount display area 1510. The deposit completion screen 1500 is displayed on the user terminal 100.

[0170] The deposit amount display area 1510 displays the deposit amount. The deposit amount is equal to the payment amount calculated by the payment amount calculation unit 170. There are no particular limitations on how the deposit amount display area 1510 is displayed.

[0171] In this way, the management server 120 can easily inform the user of the amount of deposit paid to the advance payment agent by insurance in the event that the dispute ultimately results in a loss by having the user confirm the amount of deposit in the deposit amount display area 1510 included in the deposit completion screen 1500 displayed on the user terminal 100. <Deposit completion screen generation process> Figure 17 is a diagram showing an overview of the payment amount display screen generation process and payment amount display screen provision process in one embodiment of the present invention, and the payment completion screen generation process and payment completion screen provision process when the advance payment is ``yes'' for the user's insurance contract related to the present invention.

[0172] As shown in FIG. 17(a), first, in S1701, the payment amount display screen generation unit 180 of the management server 120 extracts from the user information storage unit 130 the user information 200 corresponding to the user ID for which the payment completion screen 1500 is to be provided.

[0173] Next, in S1702, the payment amount display screen generating unit 180 extracts, from the advance payment provider information storage unit 133, the advance payment provider information 310 corresponding to the case ID included in the user information 200 extracted in S1701.

[0174] Next, in S1703, the payment amount display screen generating unit 180 extracts from the payment amount storage unit 132 the payment amount corresponding to the case ID included in the user information 200 extracted in S1701.

[0175] Next, in S1704, the payment amount display screen generating unit 180 generates the payment amount display screen 1220 based on the payment amount extracted in S1702. <Payment amount display screen provision process> As shown in FIG. 17(b), first, in S1705, the payment amount display screen providing unit 181 of the management server 120 transmits the payment amount display screen 1220 generated in S1703 to the advance payment service provider terminal 300 linked to the advance payment service provider information 310 extracted in S1702.

[0176] Next, in S1706, the advance payment service provider terminal 300 receives the payment amount display screen 1220 transmitted in S1705 from the management server 120. Next, the received payment amount display screen 1220 is displayed on the display.

[0177] In this way, the management server 120 provides the payment amount display screen 1220 to the advance payment provider terminal 300, and by having the advance payment provider confirm the payment amount in the payment amount display area 1210 included in the payment amount display screen 1220 displayed on the advance payment provider terminal 300, the management server 120 can easily inform the advance payment provider of the amount to be paid by insurance to the advance payment provider in the event that the litigation ultimately proves unprofitable. <Deposit completion screen provision process> As shown in FIG. 17(c), first, in S1707, the deposit completion screen generating unit 190 of the management server 120 generates the deposit completion screen 1500 based on the user information 200 extracted in S1701.

[0178] Next, in S1708, the deposit completion screen providing unit 191 of the management server 120 transmits the deposit completion screen 1500 generated in S1707 to the user terminal 100 linked to the user information 200 extracted in S1701.

[0179] Next, in S1709, the user terminal 100 receives the deposit completion screen 1500 sent in S1708 from the management server 120. Next, the received deposit completion screen 1500 is displayed on the display.

[0180] In this way, the management server 120 provides the payment completion screen 1500 to the user terminal 100, and the management server 120 allows the user to check the payment amount in the payment amount display area 1510 included in the payment completion screen 1500 displayed on the user terminal 100, thereby making it possible to easily inform the user of the payment amount paid by insurance to the advance payment agent in the event that the dispute ultimately results in a loss on expenses.

[0181] As described above, the management server 120 transmits the payment amount display screen 1220 to the advance payment provider terminal 300, and then transmits the payment completion screen 1500 to the user terminal 100.

[0182] In this way, by having the management server 120 send the payment amount display screen 1220 to the advance payment provider terminal 300 and then send the payment completion screen 1500 to the user terminal 100, that is, by notifying the advance payment provider that the order of making a payment to the user (receipt of the compensation amount) followed by the advance payment repayment has been determined, the advance payment provider can confirm that the timing of receipt of the compensation amount always precedes the deadline for the user's advance payment when reviewing the user's advance payment contract, and can calculate the comprehensive expected payable amount or the individual expected payable amount including the maximum compensation amount.

[0183] As a result, the insurance amount (or the amount of money obtained by winning the lawsuit) in the investigation of the comprehensive expected payable amount or the individual expected payable amount should be positioned not as annual income, but as "a matter necessary for calculating the comprehensive expected payable amount and that can be objectively determined" (Article 39, Paragraph 5 of the Ordinance for Enforcement of the Installment Sales Law) or "a matter necessary for calculating the individual expected payable amount and that can be objectively determined" (Article 71, Paragraph 6 of the Ordinance for Enforcement of the Installment Sales Law), and therefore the management server 120 can make advance payments that conform to this.

[0184] The comprehensive expected payable amount or the individual expected payable amount is calculated by "annual income - expected annual claim amount - living expenses + insurance amount of this insurance." <Effects of this embodiment>

[0185] According to the embodiment of the present invention described above, when a user encounters a problem and incurs expenses as a result of a dispute with the other party, the expenses can be compensated.

[0186] Furthermore, by continuously performing multiple determination processes based on specified items and by performing insurance payment reduction determination processes, the management server 120 can determine whether each case is eligible for compensation and whether the payment amount is appropriate in relation to the amount of unpaid expenses, thereby preventing the payment of unnecessary compensation amounts.

[0187] Furthermore, when the advance payment is "yes" for the user's insurance contract according to the present invention, by having the advance payment company terminal 300 provide the payment amount display screen 1220 and the user terminal 100 provide the payment completion screen 1500, the management server 120 can easily inform the advance payment company of the amount deposited and the user receiving the advance payment that the payment has been completed, thereby preventing the user from abandoning the lawsuit for reasons such as being unable to contribute funds.

[0188] The present invention has been specifically described above based on the embodiments, but it goes without saying that the present invention is not limited to the above embodiments and can be modified in various ways without departing from the spirit of the present invention. For example, the user terminal includes not only smartphones but also various types of user terminals such as notebook PCs and tablet terminals.

[0189] Furthermore, the above-described embodiments have been described in detail to clearly explain the present invention, and are not necessarily limited to those including all of the described configurations. Furthermore, it is possible to replace part of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add the configuration of another embodiment to the configuration of one embodiment. Furthermore, other configurations may be added to, deleted from, or substituted for part of the configuration of each embodiment.

[0190] Furthermore, the above-described configurations, functions, and processing units may be realized in part or in whole by hardware (e.g., integrated circuits). Furthermore, the above-described configurations, functions, and processing units may be realized by software installed via a network or on a storage medium such as a disk, in which a processor interprets and executes a program that realizes each function, or by a network application such as an ASP. Information such as the programs, tables, and files that realize each function can be stored in memory, a storage device such as a hard disk or SSD (Solid State Drive), or a storage medium such as an IC card, SD card, or DVD. [Explanation of symbols]

[0191] 100...User terminal 120...Administration server 130...User information storage unit 131...Calculation information storage unit 132...Payment amount storage unit 133...Advance payment provider information storage unit 134...Deposit account information storage unit 140...Recovery amount calculation section 150...Rights Protection Fee Calculation Department 160...Insurance Benefit Reduction Judgment Department 170...Payment amount calculation section 180...Payment amount display screen generation unit 181...Payment amount display screen providing unit 190…Deposit completion screen generation section 191…Deposit completion screen provision department 300…Payment agent terminal 1200...Payment amount display screen 1220...Payment amount display screen 1500…Deposit completion screen

Claims

1. A management server connected to a user terminal via a network, a recovery amount calculation unit that calculates a recovery amount based on the user information stored in the user information storage unit and the recovery amount calculation information stored in the calculation information storage unit; a right protection fee calculation unit that calculates a right protection fee based on the user information and the right-related amount calculation information stored in the calculation information storage unit; an insurance money reduction determination unit that determines whether or not insurance money reduction is necessary based on the user information, the right-related amount calculation information, and the payment amount calculation information; a payment amount calculation unit that determines an amount of compensation when the difference between the right acquisition amount and the right protection fee included in the right-related amount calculation information and the payment amount calculation information is 0 or more, or when the difference between the recovery amount included in the payment amount calculation information and the right protection fee is 0 or more, and that calculates a payment amount by multiplying the amount of compensation by a reduced indemnity rate included in the payment amount calculation information when the insurance payment reduction determined by the insurance payment reduction determination unit is valid. Management server.

2. 2. The management server according to claim 1, a payment amount display screen generating unit that generates a payment amount display screen based on the user information extracted from the user information storage unit, the advance payment provider information extracted from the advance payment provider information storage unit, and the payment amount extracted from the payment amount storage unit; a payment amount display screen providing unit that provides the payment amount display screen to the advance payment provider terminal corresponding to the extracted advance payment provider information; a deposit completion screen generation unit that generates a deposit completion screen based on the extracted user information; a deposit completion screen providing unit that provides the deposit completion screen to a user terminal corresponding to the extracted user information, transmitting the payment amount display screen to the advance payment provider terminal, and then transmitting the payment completion screen to the user terminal; Management server.

3. A damage compensation method having a user terminal and a management server wirelessly connected to the user terminal via a network, The management server acquires and stores user information from the user terminal; a step of the management server calculating a recovery amount based on the user information stored in a user information storage unit and recovery amount calculation information stored in a calculation information storage unit; a step in which the management server calculates a right protection fee based on the user information and right-related amount calculation information stored in the calculation information storage unit; a step in which the management server determines whether or not insurance money reduction is necessary based on the user information, the right-related amount calculation information, and the payment amount calculation information; a step of determining an amount of compensation when the difference between the right acquisition amount and the right protection fee included in the right-related amount calculation information and the payment amount calculation information is 0 or more, or when the difference between the recovery amount included in the payment amount calculation information and the right protection fee is 0 or more, and when the insurance payment reduction determined by the insurance payment reduction determination unit is valid, multiplying the amount of compensation by a reduced indemnity rate included in the payment amount calculation information to calculate a payment amount; Damage compensation method.

4. The damage compensation method according to claim 3, a step in which the management server generates a payment amount display screen based on the user information stored in the user information storage unit, the advance payment provider information extracted from the advance payment provider information storage unit, and the payment amount extracted from the payment amount storage unit; a step in which the management server provides the payment amount display screen to the advance payment provider terminal corresponding to the extracted advance payment provider information; a step in which the management server generates a deposit completion screen based on the extracted user information; the management server provides the deposit completion screen to the user terminal corresponding to the extracted user information, transmitting the payment amount display screen to the advance payment provider terminal, and then transmitting the payment completion screen to the user terminal; Damage compensation method.

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