Message disclosure system

Abstract

To provide a message disclosure system for giving a sense of security and satisfaction to a person who receives a message by disclosing the message from an insurance contractor or an insured person to an insurance money receiver when a prescribed event occurs in the insurance contractor or the insured person.SOLUTION: In a message disclosure system 1 consisting of one or a plurality of servers for storing, managing and disclosing the status information data and message data of the first customer, the server includes at least a storage part, an arithmetic part and a disclosure processing part, and the arithmetic part registers the event information acquired by an event acquisition means in a customer information database by a customer status storage / management means. When the event information is a fixed value, a disclosure propriety determination means determines the propriety of the disclosure of the message data to the second customer, and when it is determined that the disclosure is possible, instructs a disclosure processing part to perform disclosure processing of the message data to the second customer.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a system related to life insurance products, and in particular to a message disclosure system that, when a specified event occurs to the policyholder or insured, discloses a message from the policyholder or insured to a designated target such as a beneficiary, thereby providing a sense of security and satisfaction to the message recipient. [Background technology]

[0002] BACKGROUND ART Conventionally, systems have been developed and used to provide customers with various services incidental to life insurance, accident insurance, medical insurance, and other insurance, as well as other insurance-related services.

[0003] When a life insurance policyholder or insured dies, the insurance money will be paid to the beneficiary, but it may take time and effort to come to terms with the death of someone close to them. In addition, the policyholder or insured often wishes to leave a message for loved ones such as family members upon their death. They may also wish to express their wishes regarding their post-death affairs, such as in a will.

[0004] Japanese Patent Application Laid-Open Publication No. 2002-63267 discloses technology relating to a life insurance system that meets the wishes of such policyholders or insured persons. This technology relates to a memorial message system equipped with multiple terminals and a server having a storage device for storing a database, and includes means for registering the IDs of living individuals in the database, means for living individuals whose IDs are registered to register, change, and delete messages, message recipients, and trigger conditions for sending the messages from their terminals to the database, and means for sending the registered messages to the registered message recipients when the registered trigger conditions are met after the death of the individual whose ID is registered.

[0005] This technology does indeed make it possible to send messages to registered message recipients, but because the messages are sent unilaterally, there is a fatal problem in that, for example, the insurance beneficiary may receive the message unexpectedly, which could have the opposite effect.

[0006] The death of an insured or policyholder has a significant impact on the beneficiary, making it desirable for the payment of insurance benefits to include an emotional element. The policyholder's or insured's wishes and wishes must also be fully respected. In some cases, the policyholder or insured may wish to leave a private message. Furthermore, in cases of death due to illness such as dementia, disaster, or accident, it may be difficult for the policyholder or insured to personally convey their wishes to the beneficiary. Therefore, there was a need for a message disclosure system for life insurance products that addresses these issues. When a specified event occurs to the policyholder or insured, the system can disclose a message from the policyholder or insured to designated recipients, such as the beneficiary, so that the recipient can feel reassured and satisfied with the care provided. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-63267 DISCLOSURE OF THE INVENTION [Problem to be solved by the invention]

[0008] In order to solve the above problems, the present invention aims to provide a system related to life insurance products, and in particular, a message disclosure system that adds an emotional element to the payment of life insurance claims by making it possible to disclose a message from the policyholder or insured to a specified target person such as the beneficiary under certain conditions when a specified event such as the death of the policyholder or insured occurs, thereby giving the recipient of the message a sense of security and satisfaction. [Means for solving the problem]

[0009] In order to achieve the above object, the message disclosure system according to the present invention is a message disclosure system for executing a process of disclosing message data to a pre-designated second customer when an event occurs for a first customer, and comprises one or more servers for storing and managing the status information data and the message data of the first customer and for disclosing the data, the server comprising at least a storage unit for storing the status information data and the message data of the first customer, a calculation unit for performing calculation processing of the data stored in the storage unit, and a disclosure processing unit for disclosing the data stored in the storage unit in accordance with instructions from the calculation unit so that the data can be viewed by the second customer, and the storage unit comprises an insurance contract database for registering information regarding insurance contracts, a customer information database for registering the status information data of the first customer, and and a message database for registering message data, and the calculation unit comprises at least a customer status storage and management means for storing and managing status information data of the first customer, an event acquisition means for acquiring event information that has occurred in the first customer that has received the information, and a disclosure determination means for determining whether or not to disclose the message data to the second customer, and the calculation unit is configured to register the event information acquired by the event acquisition means in the customer information database using the customer status storage and management means, and when the event information is a certain value, the disclosure determination means determines whether or not to disclose the message data to the second customer, and if it determines that disclosure is possible, instruct the disclosure processing unit to process the disclosure of the message data stored in the message database of the memory unit to the second customer.

[0010] The message data is composed of a moving image. In addition, the calculation unit is configured to instruct the disclosure processing unit to disclose the message data to the second customer when the event information acquired by the event acquisition means is information about the death of a first customer.

[0011] Furthermore, the disclosure possibility determination means is configured to search the insurance contract database and, if it detects that the insurance payout recipient and the second customer are the same, determine that the message data can be disclosed to the second customer. [Effects of the Invention]

[0012] The present invention has the above-described configuration and therefore has the following advantages. 1. The system is configured to register status information data of the first customer (policyholder or insured) in a database, making it possible to grasp the customer's current situation. Furthermore, the system is configured so that the event acquisition means acquires event information that occurs in the first customer, making it possible to constantly update the first customer's current situation. Furthermore, the system is provided with a means for determining whether or not to disclose information, making it possible to prevent inappropriate disclosure of messages. 2. The message data is composed of moving images, so the message is easily conveyed to the second customer (the beneficiary of the insurance money), and it is possible to disclose a message with a strong emotional element.

[0013] 3. When death information is acquired as event information, a message is disclosed to the second customer. This allows surviving family members to view the message after the death of the policyholder or insured, providing a sense of security and satisfaction to the recipient of the message. 4. The disclosure permission determining means is configured to determine whether the insurance beneficiary and the second customer are the same person, so that it is possible to prevent inappropriate disclosure of the message. BEST MODE FOR CARRYING OUT THE INVENTION

[0014] The message disclosure system according to the present invention will be described in detail below with reference to the embodiments shown in the drawings. Figure 1 is a configuration diagram of the message disclosure system according to the present invention, and Figure 2 is a conceptual diagram of the message disclosure system.

[0015] The message disclosure system 1 of the present invention is composed of one or more servers 100, as shown in Figure 1. The server 100 comprises at least a memory unit 110, a calculation unit 120, and a disclosure processing unit 130. When a predetermined event occurs to a first customer A, as shown in Figure 2, the system executes a disclosure process of message data 10 to a pre-designated second customer B, making it possible to disclose a message from first customer A to second customer B under certain conditions, thereby giving a sense of security and satisfaction to the person who receives the message.

[0016] In this embodiment, first customer A is the policyholder or insured of a life insurance policy, etc., and second customer B is the beneficiary of the life insurance policy, etc., contracted by first customer A. Also, while injury or illness may be considered as an event that occurs to first customer A, this embodiment is configured to operate in such a way that the death of first customer A is treated as a specific event. Note that an event may also be defined as a certain injury or illness, and a message may be displayed when such an event occurs.

[0017] The events are acquired from outside as event information 30, and the current status of the first customer A is saved and managed as status information data 20 based on the event information 30, and by referring to this, it is possible to acquire and confirm the status of the first customer A.

[0018] The message data 10 is data relating to a message that the first customer A wishes to disclose to the second customer B. Various data formats are possible, and the way the message is conveyed to the second customer B may differ depending on the data format. In this embodiment, video is particularly assumed, and the message is conveyed through video. This makes it possible to express subtle nuances through facial expressions, etc., and is considered to be ideal as an emotional element for conveying feelings to the second customer B.

[0019] The server 100 is a computer device that stores and manages the status information data 20 and message data 10 of the first customer A, and performs data disclosure processing. In this embodiment, the server 100 is configured to consist of one or more servers 100, and the servers are arranged and operated in a centralized or decentralized manner.

[0020] 1, the server 100 in this embodiment is configured to include at least a memory unit 110, a calculation unit 120, and a disclosure processing unit 130. The memory unit 110 is a memory unit for storing the status information data 20 of the first customer A and the message data 10, and is a storage device provided in a computer such as a server. In this embodiment, the memory unit 110 is configured to include one or more storage devices or a group of storage devices such as hard disks that are equipped in one or more servers 100.

[0021] In this embodiment, since it is expected that the amount of data such as message data 10 will be enormous, it is conceivable to adopt a configuration (such as a NAS) in which, for example, a storage system is constructed as the storage unit 110, separated from one or more servers, and the storage is accessed from each server 100. Furthermore, since each message data 10 is heavy and a large load is likely to be placed on the server 100 and the network when it is disclosed, it is also conceivable to adopt distributed processing with bases in various locations.

[0022] The calculation unit 120 is a component for performing various calculation processes on each piece of data stored in the storage unit 110. In this embodiment, the calculation unit 120 is configured such that various calculation processes are performed on each piece of data stored in the storage unit 110 by a calculation device such as a CPU reading and executing an executable file.

[0023] The disclosure processing unit 130 performs processing to disclose the data stored in the memory unit 110 so that it can be viewed by the second customer B, in accordance with instructions based on the calculation processing of the calculation unit 120. In this embodiment, the disclosure processing unit 130 is made up of software stored in a storage device provided within the electronic computer, and is configured so that an executable file is read and executed by the calculation unit 120.

[0024] The disclosure processing unit 130 may be configured so that the executable file is stored in the storage unit 110 and read and executed by the calculation unit 120, or may be configured so that the executable file is stored in a storage device (not shown) in another electronic computer connected wirelessly or via a wire other than the server 100 and read and executed by the calculation unit 120. It is also possible to provide a separate application server and have the executable file executed there. This configuration facilitates the development and maintenance of software for processing customer data and message data stored in the database, and allows for flexible response to system configurations, migrations, upgrades, etc.

[0025] The storage unit 110 is configured to include an insurance contract database 112, a customer information database 114, and a message database 116. The insurance contract database 112 is a database that searches and registers various information related to insurance contracts concluded between a first customer A and an insurance company. The customer information database 114 is a database that searches and registers status information data 20, which is information indicating the current status of the first customer A, such as his / her health condition and medical condition. The message database 116 is a database for registering message data 10 indicating matters that the first customer A wants to convey to the second customer B.

[0026] By storing various types of information stored in the storage unit 110 in a database, it becomes possible to easily manage large amounts of data related to insurance policies and large amounts of customer information. In this embodiment, a relational database is used to store each piece of data in a table, but the present invention is not limited to this, and databases in other formats may also be used.

[0027] The calculation unit 120 is configured to include at least a customer status saving and management means 122, an event acquisition means 124, and a disclosure permission determination means 126. The customer status saving and management means 122 is a means for saving and managing the status information data 20 of the first customer A. In this embodiment, the customer status saving and management means 122 is configured to acquire the status information data 20 of the first customer A from outside and register it in the customer information database 114, as well as to search for and output the status information data 20 in response to a request.

[0028] The status information data 20 is input from a terminal connected to the server 100 wirelessly or wired, or output after a search request, but the status information data 20 may also be obtained automatically and then automatically saved.

[0029] The terminals that input the status information data 20 are configured to include sales representatives or customer management personnel connected to the server 100 via wired or wireless LAN or the Internet, personal computers used by users, and portable terminals such as tablets and smartphones, but are not limited to this configuration.

[0030] The event acquisition means 124 is a means for acquiring event information 30 that has occurred for the first customer A. In this embodiment, the event information 30 that has occurred for the first customer A is acquired based on information provided from an external terminal, including a terminal owned by the user. The event information 30 is various information related to the health of the first customer A, and may include injury or illness, but in this embodiment, the death of the first customer A is particularly acquired as a predetermined event.

[0031] The event acquisition means 124 is configured to acquire event information 30 by receiving it from an external source, but is not limited to this and may be configured to automatically acquire the information by searching various internal and external medical databases, resident information, etc. The event acquisition means 124 may also be configured to automatically search internal and external databases periodically to collect information and automatically update the customer information database 114.

[0032] In one embodiment of the present invention, the event information 30 may be configured such that various possible situations, such as injury, illness, recovery, hospitalization, discharge, and death, are predefined. The event acquisition means 124 classifies the acquired status of the first customer A into one of the defined situations, and the customer status storage and management means 122 registers the status information data 20 in the customer information database 114. In this case, if the status is injury, illness, recovery, hospitalization, or discharge, the customer information database 114 can be updated by the first customer A's own declaration. On the other hand, if the status is death, it cannot be acquired from the first customer A. Therefore, it is possible to acquire the event information 30 from, for example, the hospital where the first customer A is hospitalized, from resident data of a local government, or from the second customer B. Note that the method of acquiring the event information 30 by the event acquisition means 124 is not limited to these, and various acquisition methods are possible, such as automatic acquisition or acquisition by a declaration from the first customer A, etc.

[0033] The disclosure permission determination means 126 is a means for determining whether or not to disclose the message data 10 to the second customer B. When an event occurs to the first customer A, even if the event allows for the message to be disclosed to the second customer B, there may be cases where disclosure should not be made due to contractual or other reasons. The disclosure permission determination means 126 is configured to automatically search for whether or not such circumstances exist, and then determine whether or not to disclose the message data 10.

[0034] In this embodiment, the customer status saving and management means 122, the event acquisition means 124, and the disclosure determination means 126 are made up of software stored in a storage device provided within the electronic computer, and are configured so that the executable files are read and executed by the calculation unit 120.

[0035] Each of these means may be configured so that the executable files are stored in the storage unit 110 and read and executed by the calculation unit 120, or so that the executable files are stored in a storage device (not shown) in another electronic computer connected wirelessly or via a wire other than the server 100 and read and executed by the calculation unit 120. It is also possible to provide a separate application server and have the functions executed there, and it is possible to select and implement the functions appropriately depending on the scale of the system and the number of contracts. This configuration facilitates the development and maintenance of software for processing customer data and message data stored in the database, and allows for flexible response to system configurations, migrations, upgrades, etc.

[0036] Next, we will explain the disclosure process performed by the calculation unit 120. The calculation unit 120 performs a process of registering the event information 30 acquired by the event acquisition means 124 as status information data 20 in the customer information database 114 using the customer status storage and management means 122. This process is performed on a daily basis, and the customer information database 114 is constantly updated, keeping the status information of first customer A up to date.

[0037] When it is detected that the acquired event information 30 has a certain value, the disclosure permission determination means 126 determines whether or not it is permissible to disclose the message data 10 to the second customer B. When the disclosure permission determination means 126 determines that it is permissible to disclose the message data 10 to the second customer B, the calculation unit 120 is configured to instruct the disclosure processing unit 130 to process the message data 10 of the first customer A stored in the message database 116 of the storage unit 110 to the second customer B.

[0038] The second customer B can view the message data 10 by displaying it on the display screen of his / her personal computer or a portable terminal such as a tablet or smartphone. The message data 10 can also be downloaded and saved, but this is not limited to this embodiment, and it is also possible to provide only streaming distribution and configure the message data 10 so that it becomes impossible to view after a certain period of time has passed.

[0039] With this configuration, if a specified event such as death occurs to the policyholder or insured, a message from the policyholder or insured can be disclosed to the beneficiary under certain conditions, providing a system that gives the recipient of the message a sense of security and satisfaction.

[0040] In this embodiment, the server 100 can be configured as a single unit, but since the number of customers, contracts, and transactions may be enormous, high performance is required. Therefore, it is possible to configure the server 100 to perform distributed processing using multiple server computers.

[0041] In this case, the server or group of server machines is expected to be placed in a control room (not shown) at the head office, but since the personal information of many users will be handled, from the standpoints of data management security, simplification of system operation and maintenance, and load distribution, it may also be possible to configure the system to use a data management method that uses cloud computing technology to cloudify the servers.

[0042] In this embodiment, the message data 10 disclosed by the message disclosure system 1 according to the present invention is composed of moving images. That is, when a specific event occurs to first customer A, the message disclosure system 1 performs processing so that the video saved by first customer A can be viewed by second customer B under certain conditions. If the data were text data or image data, it may not be possible to fully express the subtle nuances or gratitude that first customer A wants to convey. By using moving images as the message data 10, the message is more easily conveyed to second customer B, and it is possible to disclose a message with a strong emotional element.

[0043] In an embodiment of the message disclosure system 1 according to the present invention, the calculation unit 120 is configured to instruct a process to disclose message data 10 registered by first customer A to second customer B when event information 30 acquired by event acquisition means 124 is information about the death of first customer A. In this case, the calculation unit 120 performs a determination process regarding whether or not disclosure is permitted using disclosure permission determination means 126, and then, if disclosure is permitted, requests the disclosure processing unit 130 to disclose the message data 10 to second customer B. In response to this, the disclosure processing unit 130 performs a process to disclose the message data 10 in response to a request from second customer B to view a video.

[0044] This configuration allows the surviving family members of first customer A to view the message after the customer's death, and the person who receives the message can feel a sense of security and satisfaction.

[0045] As an embodiment of the message disclosure system 1 according to the present invention, the disclosure permission determination means 126 can be configured to determine that the message data 10 can be disclosed to the second customer B when the insurance payout recipient and the second customer B are the same. In this case, the disclosure permission determination means 126 searches the insurance contract database 112 and checks whether the insurance payout recipient and the second customer B are the same. If it is detected that the insurance payout recipient and the second customer B are the same, it determines that the message data 10 can be disclosed to the second customer B.

[0046] Thereafter, the calculation unit 120 instructs the disclosure processing unit 130 to process the disclosure of the message data 10 stored in the message database 116 of the storage unit 110 to the second customer B. This configuration makes it possible to prevent inappropriate disclosure of messages that are not intended by the first customer A, etc.

[0047] The criteria for determining whether or not the message data 10 can be disclosed by the disclosure permission determining means 126 are not limited to the above and can be changed arbitrarily.

[0048] By configuring the message disclosure system 1 of the present invention as described above, it is possible to disclose a message from the policyholder or insured to a specified target person such as a beneficiary under certain conditions in the event of a specified event such as death of the policyholder or insured, thereby making it possible to provide a message disclosure system that can give a sense of security and satisfaction to the person who receives the message. [Brief explanation of the drawings]

[0049] [Figure 1] Conceptual diagram of a message disclosure system according to the present invention [Figure 2] Data flow diagram of message disclosure system [Explanation of symbols]

[0050] 1. Message disclosure system A First customer B Second customer 10 Message Data 20 Status Information Data 30 Event Information 100 servers 110 Storage section 112 Insurance Contract Database 114 Customer Information Database 116 Message Database 120 Arithmetic section 122 Customer status storage and management means 124 Event Acquisition Method 126 Means for determining whether disclosure is possible 130 Disclosure Processing Department

Claims

1. A message disclosure system (1) for executing a disclosure process of message data (10) to a pre-designated second customer (B) when an event occurs for a first customer (A), The system comprises one or more servers (100) for storing and managing the status information data (20) and the message data (10) of the first customer (A) and for carrying out data disclosure processing; The server (100) comprises at least a storage unit (110) for storing status information data (20) and message data (10) of the first customer (A), a calculation unit (120) for performing calculation processing of the data stored in the storage unit (110), and a disclosure processing unit (130) for performing disclosure processing of the data stored in the storage unit (110) in accordance with instructions from the calculation unit (120) so that the data can be viewed by the second customer (B), The storage unit (110) comprises an insurance contract database (112) for registering information relating to insurance contracts, a customer information database (114) for registering status information data (20) of the first customer (A), and a message database (116) for registering the message data (10), The calculation unit (120) comprises at least a customer status storage and management means (122) for storing and managing status information data (20) of the first customer (A), an event acquisition means (124) for acquiring event information (30) occurring in the first customer (A) that has received the information, and a disclosure determination means (126) for determining whether or not to disclose message data (10) to the second customer (B); The calculation unit (120) registers the event information (30) acquired by the event acquisition means (124) in the customer information database (114) using the customer status storage and management means (122), and when the event information (30) has a certain value, the disclosure permission determination means (126) determines whether or not to disclose message data (10) to the second customer (B), and when it determines that disclosure is possible, instructs the disclosure processing unit (130) to process the disclosure of the message data (10) stored in the message database (116) of the storage unit (110) to the second customer (B). A message disclosure system characterized by:

2. 2. The message disclosure system according to claim 1, wherein the message data (10) is a video.

3. The message disclosure system according to claim 1 or 2, characterized in that the calculation unit (120) instructs the disclosure processing unit (130) to disclose the message data (10) to the second customer (B) when the event information (30) acquired by the event acquisition means (124) is information about the death of a first customer (A).

4. The message disclosure system according to any one of claims 1 to 3, characterized in that the disclosure possibility determination means (126) determines that the message data (10) can be disclosed to the second customer (B) when it is detected that the insurance payout recipient and the second customer (B) are the same after searching the insurance contract database (112).

Images