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

Abstract

To provide an information processor, an information processing method and an information processing program for saving the labor of a user when providing the estimate of an insurance premium.SOLUTION: An information processing apparatus according to the present application includes an acquisition unit that acquires calculation information of some items among calculation information of items necessary for calculation of an insurance premium from a user, a generation unit that generates estimated calculation information obtained by estimating calculation information of remaining items other than the some items for which the calculation information is acquired, and a provision unit that provides an insurance premium calculated on the basis of the calculation information and the estimated calculation information to the user.SELECTED DRAWING: Figure 3

Description

[Technical Field]

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

[0002] In recent years, technologies have been disclosed that provide estimates of insurance premiums for automobile insurance, etc., over the Internet. For example, Patent Document 1 discloses a technology in which, when information required for estimating insurance premiums is acquired from a user, if the acquired information contains inaccurate information, the insurance premium is calculated using preset information instead of the inaccurate information. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2023-073013 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in the conventional technology, the user must answer questions to the effect that they are unsure of the answer (for example, "model unknown"). In other words, the user must answer all questions once even if they are unsure of the answer, which makes it time-consuming to obtain an insurance premium estimate.

[0005] The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can reduce the user's effort when providing insurance premium estimates. [Means for solving the problem]

[0006] The information processing device of the present application comprises an acquisition unit that acquires calculation information for some items from the calculation information for each item required to calculate an insurance premium from a user, a generation unit that generates estimated calculation information that estimates calculation information for the remaining items other than the some items for which the calculation information was acquired, and a provision unit that provides the calculation information and the insurance premium calculated based on the estimated calculation information to the user. [Effects of the Invention]

[0007] According to one aspect of the embodiment, it is possible to reduce the effort required of a user when providing an insurance premium estimate. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of the operation of an information processing system including an information processing device according to an embodiment. [Figure 2] FIG. 2 is a block diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Figure 3] FIG. 3 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of user information. [Figure 5] FIG. 5 is a diagram illustrating an example of insurance product information. [Figure 6] FIG. 6 is a diagram showing an example of a screen display. [Figure 7] FIG. 7 is a diagram showing an example of a screen display. [Figure 8] FIG. 8 is a flowchart showing the processing procedure of the processing executed by the information processing apparatus according to the embodiment. [Figure 9] FIG. 9 is a diagram illustrating an example of a hardware configuration. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, an information processing device, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to these embodiments. Furthermore, the same components in the following embodiments will be denoted by the same reference numerals, and duplicated descriptions will be omitted.

[0010] (Embodiment) First, a process executed by an information processing device according to an embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing a process executed by an information processing device according to an embodiment. Fig. 1 shows an example of operation of an information processing system S including an information processing device 1 according to an embodiment.

[0011] As shown in FIG. 1, an information processing system S according to the embodiment includes an information processing device 1, an insurance company terminal 50, and a user terminal 100.

[0012] As shown in Figure 1, the information processing system S of the embodiment acquires calculation information for some of the items required to calculate insurance premiums from a user, generates estimated calculation information by estimating the calculation information for the remaining items other than the some of the items for which calculation information was acquired, and provides the user with the calculation information and the insurance premium calculated based on the estimated calculation information.

[0013] In the following, the insurance premium will be taken as an example of an automobile insurance premium, but it may also be the premium of other insurance such as life insurance or medical insurance.

[0014] Specifically, first, the information processing device 1 receives a request for an estimate of an automobile insurance premium from the user terminal 100 (step S1). For example, the information processing device 1 receives the request for an insurance estimate via an application that provides a payment service (hereinafter referred to as a payment app). Specifically, the information processing device 1 receives the request for an insurance estimate via an automobile insurance application provided in the payment app. Note that this automobile insurance app also allows the user to check the insurance details, contract details, etc. of the automobile insurance.

[0015] Prior to the information processing performed by the information processing device 1, an example of payment (electronic payment) using the user terminal 100 will be described. The following description will discuss a case in which a store terminal that reads information from the user terminal 100 performs payment as a payment using the user terminal 100. For example, the user terminal 100 displays user identification information for identifying the user on a screen. In this case, the store terminal reads the user identification information displayed on the user terminal 100 and transmits information related to the payment, including the user identification information (or information indicated by the user identification information, i.e., information indicating the user (e.g., a user ID)), the payment amount, and information identifying the store, to the information processing device 1. In this case, the information processing device 1 may transfer electronic money in an amount indicated by the payment amount from the user's account indicated by the user identification information to the store's account, and notify the store terminal or the user terminal 100 of the completion of the payment by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

[0016] More specifically, the user terminal 100 transmits a payment request to the information processing device 1 together with the user identification information. In such a case, the information processing device 1 generates a one-time code, links the generated one-time code to the user identification information, and transmits the one-time code to the user terminal 100. The user terminal 100 then displays the one-time code (i.e., information that identifies the user) on the screen. In such a case, the store terminal reads the one-time code displayed on the user terminal 100 and transmits the read one-time code, group identification information, group store identification information, and payment amount to the information processing device 1. The information processing device 1 then transfers electronic money equivalent to the payment amount from the wallet linked to the user identification information linked to the one-time code to the wallet linked to the group identification information and group store identification information.

[0017] Furthermore, payment using the user terminal 100 may not only be a process of transferring electronic money from an account to which the user has previously charged electronic money to a store's account, but may also be a payment using a credit card that the user has previously registered. In such a case, for example, the user terminal 100 may transfer the electronic money of the payment amount to the store's account and bill the operating company (card company) of the user's credit card for the payment amount.

[0018] Furthermore, payments using the user terminal 100 may involve not only a process of transferring electronic money from a user's account to a store's account, but also a process in which the information processing device 1 withdraws electronic money equivalent to the payment amount from the user's account and deposits the amount of cash obtained by subtracting a predetermined fee (such as a management fee) from the payment amount into the store's bank account. In such a case, for example, the information processing device 1 manages the payment amount from each user to the store as the store's sales information, and at a predetermined timing, deposits cash into the store's bank account in an amount obtained by subtracting a predetermined fee from the sales amount (the total payment amount indicated by the sales information) based on the sales information.

[0019] In addition, when the source of funds for the coupon used at the time of payment is borne by the store, the information processing device 1 may execute a process to subtract the cash amount borne by the store from the payment amount and deposit it into the bank account, or to subtract the electronic money amount borne by the store from the payment amount and transfer it to the store's account, when depositing cash into the store's bank account or transferring electronic money to the store's account.

[0020] In some cases, the source of the coupon is not the store but the provider of the payment object (for example, the manufacturer of the product), in which case the information processing device 1 does not perform the above-mentioned subtraction process.

[0021] The above-described payment methods and payment services are not limited to those for providing compensation for the purchase of goods or the provision of services (debt settlement). For example, as described above, the payment methods and payment services may have a function related to the transfer of funds between accounts held by multiple users. That is, the above-described payment methods and payment services may be services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. That is, the payment methods and payment services according to the embodiments may be provided in any form as long as they are transaction methods and transaction services that perform various controls for realizing the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also control related to exchanges between electronic money accounts and bank accounts, various credit processing such as installment payments and bonus payments, and various controls related to the exchange of assets including electronic money). Furthermore, the various controls realized by such transaction methods and transaction services may include both control related to settlement and control related to remittance, or only one of them. That is, the concept of a "transaction" includes not only "payments" related to electronic money but also "remittances" of electronic money and various other processes. That is, the payment server 10 may be an information processing device that realizes a transaction means for controlling the exchange of electronic money between any owners.

[0022] Next, when the information processing device 1 receives the request for insurance quote, it displays an input screen on the user terminal 100 for inputting information on items necessary for calculating insurance premiums (step S2). For example, the information processing device 1 divides the items necessary for calculating insurance premiums into multiple pages and requests input for each item on each page. The items include date of birth, driver's license color (gold, blue, green), details of the currently contracted insurance, vehicle information such as vehicle type, etc.

[0023] Next, the information processing device 1 acquires information provided by the user to some of the items required for calculating the insurance premium as calculation information (step S3). For example, the information processing device 1 acquires calculation information for the items displayed on the first page of each page on which the items are displayed as calculation information for some of the items.

[0024] Next, the information processing device 1 generates estimated calculation information by estimating calculation information for the remaining items other than the part of the items for which calculation information has been acquired (step S4). The estimation calculation information may be calculation information determined in advance for each item, or may be estimated based on the calculation information acquired in step S3. For example, the information processing device 1 estimates the estimated calculation information for the remaining items by referring to other users who have the same calculation information as the acquired calculation information.

[0025] Next, the information processing device 1 calculates the insurance premium based on the calculation information acquired in step S3 and the estimated calculation information generated in step S4 (step S5). That is, the information processing device 1 calculates the insurance premium using the estimated calculation information for items for which the user has not provided an answer (unanswered items). Note that the insurance premium calculated using the estimated calculation information is an approximate value. Therefore, when the user actually applies for insurance, the information processing device 1 will request answers to the items in the estimated calculation information in order to calculate an accurate insurance premium.

[0026] Next, the information processing device 1 provides the user with the insurance premium calculated in step S5 as a rough estimate result (step S6). Note that details of how to display the estimate result will be described later with reference to FIG.

[0027] Next, when the information processing device 1 acquires calculation information for the remaining items (step S7), it replaces the estimated calculation information with the acquired calculation information and recalculates the insurance premium (step S8). Note that, when the information processing device 1 acquires calculation information for some of the remaining items, it replaces the estimated calculation information for those some items with the acquired calculation information and recalculates the insurance premium. Specifically, when the items required for calculating the insurance premium span three pages, if the information processing device 1 acquires calculation information for the first page in step S3 and calculation information for the second page in step S7, it calculates the insurance premium using the calculation information for the first and second pages and the estimated calculation information for the third page in step S6. That is, the information processing device 1 calculates the insurance premium each time the number of items for which additional calculation information has been acquired reaches a predetermined number. This allows the information processing device 1 to perform calculations with gradually improved accuracy in calculating the insurance premium.

[0028] Next, the information processing device 1 provides the user with the insurance premium calculated in step S7, that is, the insurance premium calculated using the calculation information for all items, as an accurate estimate result (step S9).

[0029] Next, when the information processing device 1 receives an application request from the user (step S10), it notifies the insurance company terminal 50 of the application and completes the application.

[0030] In this way, the present disclosure can calculate an estimate of insurance premiums when the user has answered only some of the items required for calculating the premium, thereby providing an estimate of insurance premiums without the user having to enter all of the items. In other words, the present disclosure can reduce the user's effort when providing an estimate of insurance premiums.

[0031] The information processing device 1 may acquire information on the insurance premium payment account (debit account) from the user when applying for insurance in step S10, or may automatically set the payment service account as the payment account, thereby saving the user the trouble of inputting the insurance premium account information.

[0032] The information processing device 1 may also extract calculation information from information entered by the user when registering for the payment service. For example, the information processing device 1 extracts user attribute information, etc., as calculation information. In the case of automobile insurance, the information processing device 1 may also obtain vehicle inspection certificate information as calculation information by reading a code containing the vehicle inspection certificate information. Such a code is, for example, an information code printed on a paper vehicle inspection certificate.

[0033] Next, a configuration example of an information processing system S according to an embodiment will be described with reference to Fig. 2. Fig. 2 is a block diagram showing a configuration example of the information processing system S according to an embodiment. As shown in Fig. 2, in the information processing system S according to an embodiment, an information processing device 1, a plurality of insurance company terminals 50, and a plurality of user terminals 100 are connected to a network N by wire or wirelessly. The network N is, for example, a network such as the Internet, a WAN (Wide Area Network), or a LAN (Local Area Network).

[0034] The information processing device 1 is a server device that executes an information processing method according to the embodiment. The information processing device 1 acquires calculation information for some items from the calculation information for each item required for calculating insurance premiums from a user, generates estimated calculation information by estimating calculation information for the remaining items other than the part of the items for which calculation information was acquired, and provides the calculation information and the insurance premium calculated based on the estimated calculation information to the user.

[0035] In addition, the information processing device 1 is an information processing device that works in conjunction with multiple insurance company terminals 50 and multiple user terminals 100, and provides API (Application Programming Interface) services for various applications (hereinafter referred to as apps) and various data to the multiple insurance company terminals 50 and multiple user terminals 100, and is realized by a server device, a cloud system, etc.

[0036] Furthermore, the information processing device 1 may be an information processing device that provides some kind of online web service to a plurality of insurance company terminals 50 and a plurality of user terminals 100. For example, the information processing device 1 may provide, as web services, services such as internet connection, search services, SNS (Social Networking Service), electronic commerce (EC), electronic payments, online games, online banking, online trading, hotel and ticket reservations, video and music distribution, news, maps, route searches, route guidance, line information, operation information, and weather forecasts. In practice, the information processing device 1 may cooperate with various servers that provide the above-mentioned web services and act as an intermediary for the web services or may be responsible for processing the web services.

[0037] The insurance company terminal 50 is a terminal device managed by an insurance company that provides automobile insurance services. The insurance company terminal 50 can be any type of terminal device, such as a smartphone, a desktop PC, a notebook PC, or a tablet PC. The insurance company terminal 50 transmits various types of information to the information processing device 1, etc., and receives information provided by the information processing device 1, etc.

[0038] The user terminal 100 is a terminal device carried by a user who requests an insurance premium estimate. The user terminal 100 can be any type of terminal device, such as a smartphone, a desktop PC, a notebook PC, or a tablet PC. The user terminal 100 transmits various types of information to the information processing device 1 or the like, and receives information provided by the information processing device 1 or the like.

[0039] Next, an example of the configuration of the information processing device 1 will be described with reference to FIG.

[0040] Fig. 3 is a diagram showing an example of the configuration of an information processing device 1 according to an embodiment. As shown in Fig. 3, the information processing device 1 has a communication unit 2, a control unit 3, and a storage unit 4. The control unit 3 includes a reception unit 31, an acquisition unit 32, a generation unit 33, a calculation unit 34, and a provision unit 35. The storage unit 4 stores user information 41 and insurance product information 42.

[0041] The communication unit 2 is realized by, for example, a network interface card (NIC), etc. The communication unit 2 is connected to a network by wire or wirelessly.

[0042] The control unit 3 is a controller, and is realized by a processor such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs (corresponding to an example of an information processing program) stored in a storage device inside the information processing device 1 using a RAM or the like as a work area. The control unit 3 is also a controller, and may be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or a GPGPU (General Purpose Graphic Processing Unit).

[0043] The storage unit 4 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk.

[0044] The user information 41 is information about the user.

[0045] Fig. 4 is a diagram showing an example of the user information 41. As shown in Fig. 4, the user information 41 includes items such as "user ID," "attribute information," and "calculation information."

[0046] "User ID" is identification information that identifies a user. "Attribute information" is information about the user's attributes. Attribute information includes, for example, psychographic attributes and demographic attributes. "Calculation information" is information entered by the user into the insurance quote input screen in the payment app, such as answers to questions necessary for calculating insurance premiums.

[0047] The insurance product information 42 is information relating to insurance products such as automobile insurance.

[0048] Fig. 5 is a diagram showing an example of insurance product information 42. As shown in Fig. 5, insurance product information 42 includes items such as "insurance product ID," "insurance type," and "input item."

[0049] "Insurance product ID" is identification information that identifies the insurance product. "Insurance type" is information that indicates the type of insurance, such as automobile insurance, life insurance, medical insurance, etc.

[0050] Next, each function (receiving unit 31, acquiring unit 32, generating unit 33, calculating unit 34, and providing unit 35) of the control unit 3 of the information processing device 1 will be described.

[0051] The reception unit 31 receives various types of information. The reception unit 31 receives a request for an estimate of an automobile insurance premium from the user terminal 100. For example, the reception unit 31 receives the insurance estimate request via a payment app. Specifically, the reception unit 31 receives the insurance estimate request via an automobile insurance application provided in the payment app.

[0052] When the acquisition unit 32 receives an insurance quote request, it displays an input screen on the user terminal 100 for inputting information on items necessary for calculating the insurance premium, and acquires information provided by the user to some of the items necessary for calculating the insurance premium as calculation information. For example, the acquisition unit 32 divides the items necessary for calculating the insurance premium into multiple pages and requests input for the items on each page. The items are date of birth, driver's license color (gold, blue, green), details of the currently contracted insurance, vehicle information such as vehicle type, etc. The acquisition unit 32 acquires calculation information for the items displayed on the first page of each page on which the items are displayed as calculation information for some of the items.

[0053] The generating unit 33 generates estimated calculation information by estimating calculation information for the remaining items other than the part of the items for which calculation information has been acquired.

[0054] The calculation unit 34 calculates the insurance premium based on the acquired calculation information and the generated estimated calculation information. That is, the calculation unit 34 calculates the insurance premium using the estimated calculation information for items for which the user has not provided an answer (unanswered items). Note that the insurance premium using the estimated calculation information is an approximate value. Therefore, when the user actually applies for insurance, the calculation unit 34 requests answers for the items in the estimated calculation information in order to calculate an accurate insurance premium. When the calculation unit 34 acquires calculation information for the remaining items, it replaces the estimated calculation information with the acquired calculation information and recalculates the insurance premium. Note that when the calculation unit 34 acquires calculation information for some of the remaining items, it replaces the estimated calculation information for those some items with the acquired calculation information and recalculates the insurance premium. Specifically, when the items required for calculating the insurance premium span three pages, the calculation unit 34 acquires the calculation information for the first page, and when the calculation information for the second page is acquired later, the calculation unit 34 first calculates the insurance premium using the calculation information for the first and second pages, and then using the estimated calculation information for the third page. In other words, the calculation unit 34 calculates the insurance premium each time the number of items for which additional calculation information has been acquired reaches a predetermined number.

[0055] The providing unit 35 provides the calculated insurance premium to the user as a rough estimate result.

[0056] Next, examples of screen displays of the user terminal 100 provided by the providing unit 35 will be described with reference to Fig. 6 and Fig. 7. Fig. 6 and Fig. 7 are diagrams showing examples of screen displays.

[0057] 6 shows an input screen displaying items for acquiring calculation information. As shown in FIG. 6, the acquisition unit 32 acquires the user's answers to the items as calculation information, and when the user presses the "Go to rough estimate" button, the calculation unit 34 calculates a rough estimate of the insurance premium based on the calculation information and the estimated calculation information. Furthermore, when the user presses the "Enter more information" button, the acquisition unit 32 displays other items and acquires calculation information.

[0058] Next, FIG. 7 shows a screen showing the results of the insurance premium simulation, i.e., the calculation results of the insurance premium by the calculation unit 34. As shown in FIG. 7, the calculation unit 34 calculates the insurance premiums for three plans with different insurance coverage. Specifically, in FIG. 7, the calculation unit 34 displays the plan with the lowest insurance premium (the plan with the least insurance coverage), a plan based on insurance coverage that has been selected most frequently by other users, and a plan that includes all insurance coverage. Note that the plans shown in FIG. 7 are just examples, and the plan may have insurance coverage specified by the user. Furthermore, when the "Enter more information to calculate an accurate estimate" button is pressed, the acquisition unit 32 displays items that the user has not answered and acquires more information for calculation.

[0059] Next, a processing procedure of the processing executed by the information processing device 1 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a flowchart showing the processing procedure of the processing executed by the information processing device 1 according to the embodiment.

[0060] As shown in FIG. 8, the control unit 3 first receives a request for an insurance premium estimate from the user terminal 100 (step S101).

[0061] Next, the control unit 3 displays an information input screen including items necessary for calculating insurance premiums on the user terminal 100 (step S102).

[0062] Next, the control unit 3 acquires the user's answers to the items on the information input screen as calculation information for some items (step S103).

[0063] Next, the control unit 3 generates estimated calculation information by estimating calculation information for the remaining items other than the part of the items for which calculation information has been acquired (step S104).

[0064] Next, the control unit 3 calculates the insurance premium based on the calculation information and the estimated calculation information, and provides the calculated premium to the user (step S105).

[0065] Next, the control unit 3 acquires additional calculation information for the remaining items from the user (step S106).

[0066] Next, the control unit 3 replaces the estimated calculation information with the additionally acquired calculation information for the remaining items, recalculates the insurance premiums, and provides them to the user (step S107), and ends the process.

[0067] 〔others〕 Furthermore, among the processes described in the above embodiments, some of the processes described as being performed automatically can also be performed manually. Alternatively, all or some of the processes described as being performed manually can be performed automatically using known methods. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed as desired unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown in the drawings.

[0068] Furthermore, the components of each device shown in the figure are conceptual functional components and do not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

[0069] 3 may be held in a storage server or the like, rather than being held by each device. In this case, each device obtains various pieces of information by accessing the storage server.

[0070] [Hardware configuration] The information processing device 1 according to the embodiment described above is realized by, for example, a computer 1000 configured as shown in Fig. 9. Fig. 9 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090.

[0071] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and secondary storage device 1050, programs read from the input device 1020, and the like, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), an HDD (Hard Disk Drive), a flash memory, or the like.

[0072] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (High Definition Multimedia Interface), etc. The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, scanner, etc., and is realized by a USB, etc.

[0073] The input device 1020 may be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0074] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0075] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0076] For example, when the computer 1000 functions as the information processing device 1, the arithmetic unit 1030 of the computer 1000 executes a program loaded onto the primary storage device 1040, thereby realizing the functions of the control unit 3.

[0077] 〔effect〕 As described above, the information processing device 1 according to the embodiment includes an acquisition unit 32 that acquires calculation information for some of the items from the calculation information for each item required for calculating the insurance premium from the user, a generation unit 33 that generates estimated calculation information by estimating calculation information for the remaining items other than the some of the items for which calculation information has been acquired, and a provision unit 35 that provides the calculation information and the insurance premium calculated based on the estimated calculation information to the user.

[0078] According to the information processing device 1 according to each of the above-described embodiments, it is possible to save the user time and effort when providing an estimate of insurance premiums.

[0079] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be implemented in other forms that include the embodiments described in the Disclosure of the Invention section and that have undergone various modifications and improvements based on the knowledge of those skilled in the art.

[0080] 〔others〕 Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed as desired unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown in the drawings.

[0081] Furthermore, the components of each device shown in the figure are conceptual functional components and do not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

[0082] Furthermore, the processes described in the above-described embodiments can be combined as appropriate within the scope of not causing any contradiction in the process contents.

[0083] Furthermore, the above-mentioned "section, module, unit" can be read as "means" or "circuit," etc. For example, the control unit 3 can be read as control means or a control circuit. [Explanation of symbols]

[0084] 1. Information processing equipment 2. Communications Department 3. Control Unit 4 Storage section 10 Payment Server 31 Reception 32 Acquisition Department 33 Generation part 34 Calculation section 35 Providing Department 41 User Information 42 Insurance product information 50 Insurance Company Terminals 100 user terminals S Information Processing System

Claims

1. an acquisition unit that acquires calculation information for some items from the calculation information for each item required for calculating insurance premiums from a user; a generation unit that generates estimated calculation information by estimating calculation information for remaining items other than the part of items from which the calculation information was obtained; a providing unit that provides the user with the insurance premium calculated based on the calculation information and the estimated calculation information; An information processing device comprising:

2. The acquisition unit additionally acquiring the calculation information for some of the remaining items; The providing unit For the part of the items for which the acquisition unit has additionally acquired the calculation information, the insurance premium calculated by replacing the estimated calculation information with the calculation information is provided. The information processing device according to claim 1 .

3. The providing unit The acquisition unit provides the calculated insurance premium each time the number of items for which the calculation information has been acquired reaches a predetermined number. The information processing device according to claim 2 .

4. The acquisition unit The calculation information is obtained from the user via a payment app, which is an application that provides payment services. The information processing device according to claim 1 .

5. The acquisition unit The calculation information is extracted from the information entered by the user when registering for the payment service. The information processing device according to claim 4 .

6. The acquisition unit The account in the settlement service is acquired as the account from which the insurance premium is to be withdrawn. The information processing device according to claim 4 .

7. The insurance premium is: Auto insurance premiums, The acquisition unit The vehicle inspection certificate information is acquired by reading a code including the vehicle inspection certificate information, and the acquired vehicle inspection certificate information is acquired as the calculation information. The information processing device according to claim 1 .

8. An information processing method executed by an information processing device, an acquisition step of acquiring calculation information for some items from the user among the calculation information for each item necessary for calculating insurance premiums; a generating step of generating estimated calculation information by estimating calculation information for remaining items other than the part of items from which the calculation information was obtained; a providing step of providing the insurance premium calculated based on the calculation information and the estimated calculation information to the user; An information processing method including:

9. An acquisition procedure for acquiring calculation information for some items from the user among the calculation information for each item required for calculating insurance premiums; a generation step of generating estimated calculation information by estimating calculation information for remaining items other than the part of items from which the calculation information was obtained; a provision step of providing the insurance premium calculated based on the calculation information and the estimated calculation information to the user; An information processing program that causes a computer to execute the above.

Images