Non-life insurance business platform

Abstract

In the online non-life insurance business, we provide a platform system that menus insurance products on a website, explains the coverage details in a video using an avatar in the metaverse, and securely stores information about the contracted insurance in the cloud. [Solution] A non-life insurance company or its agent contracts with a cloud service provider to display insurance menus on a website using a cloud server device. In the metaverse, the insurance products are represented by computer graphics, and an avatar provides an explanation of the insurance. Secure means are used to encrypt information transmitted between the user terminal and the cloud server device. Furthermore, information related to the insurance contract is aggregated and securely stored in an insurance folder on the cloud, and users can access this insurance folder using authentication means to easily manage their contracts.

Description

Technical Field

[0001] The present invention relates to the digitization of property insurance in which an insurance applicant stores information related to an insurance contract on the cloud in an online property insurance business.

Background Art

[0002] The recruitment forms of property insurance include agency handling in which an agency concludes an agency contract to recruit on behalf of a property insurance company, direct handling in which a property insurance company sells directly via the Internet or its employees recruit directly, or insurance broker handling in which an insurance broker conducts insurance contract mediation.

[0003] According to the 2024 Fact Book of the Insurance Federation of Japan, there are 57 original property insurance companies (35 domestic and 22 foreign), approximately 150,000 agencies, and approximately 1.79 million recruiters.

[0004] Due to the spread of the Internet and smartphones and the impact of the novel coronavirus infection, online sales of insurance that can be contracted non-face-to-face have increased in recent years. However, since insurance and mutual aid are intangible goods, a large amount of paper resources such as pamphlets and insurance terms are used for their explanation.

[0005] In recent years, the frequency of natural disasters has increased and extremely large damages have occurred frequently, so the insurance payments for fire insurance to cover them have increased rapidly. Therefore, fire insurance premiums have been rising in recent years. In addition, in automobile insurance, repair costs have increased due to high prices of goods and rising labor costs, and automobile insurance premiums have also been rising.

[0006] Patent Document 1 describes an important matter explanation information support system that effectively implements procedures related to the explanation of important matters based on the Insurance Business Act using a web server or a cloud server.

[0007] Patent Document 2 describes an insurance consultation system and insurance consultation program that utilize video conferencing to fulfill the obligation under the Insurance Business Act to provide information and understand the intentions of customers seeking insurance, using avatars in online insurance consultations.

[0008] Non-patent document 1 discloses a cloud-based application platform for the insurance industry that promotes the digitalization of insurance. [Prior art documents] [Patent Documents]

[0009] [Patent Document 1] Patent No. 7311199 [Patent Document 2] Patent No. 7246587 [Non-patent literature]

[0010] [Non-Patent Document 1] Sumisei Information Systems Co., Ltd. "DX Platform for the Insurance Industry" [Overview of the project] [Problems that the invention aims to solve]

[0011] The non-life insurance business faces the following challenges: While many insurance products can now be purchased online, insurance is an intangible product targeting a large number of people, and therefore relies heavily on paper resources such as brochures, application forms, insurance policies, and insurance certificates. Storing insurance contract information on paper carries the risk of loss or destruction due to earthquakes, floods, or fires. However, even with online insurance contracts, storing information on a device carries the risk of the device being lost, destroyed, stolen, or damaged.

[0012] Non-life insurance encompasses a wide variety of insurance products that cover economic losses, including property insurance to insure damaged property, liability insurance to cover liability for damages, and expense insurance to cover various expenses. Furthermore, because there are complex and comprehensive insurance policies that combine property insurance, liability insurance, and expense insurance, it can be confusing for users seeking insurance, and depending on the insurance company, there are numerous riders that can be added to the main policy.

[0013] Generally, people who purchase property insurance do so when they perceive a risk related to the events covered by the insurance, or when they recognize those events as risks. For example, people who buy a car generally purchase car insurance promptly after purchasing a car because traffic accidents are more frequent than fires. Similarly, people who do not have earthquake insurance will quickly purchase it after experiencing an earthquake or tsunami. Therefore, illustrations and text information displayed in brochures do not convey the risks covered by the insurance to people who do not perceive a risk.

[0014] Non-life insurance companies store a large amount of data on insured events covered by their insurance products. However, policyholders generally have little information about the insured events covered by their insurance, so there is a discrepancy between the perception of the risks covered by the insurance between the user seeking insurance and the non-life insurance company. While the details of an insurance product are described in the insurance policy, it is generally difficult for policyholders to read and understand everything. Therefore, the Insurance Business Act obligates insurance companies or insurance agents to provide users with information to help them determine whether or not to purchase insurance. (Article 294 of the Insurance Business Act: Obligation to Provide Information) For this reason, insurance companies generally provide information that users need to understand the details of the insurance product (contract summary) and information that users should be aware of (warning information) in brochures or on their websites.

[0015] Furthermore, the Insurance Business Act obligates insurance companies or insurance agents to ascertain whether the content of the insurance contracted by the user aligns with the user's intentions. (Article 294-2 of the Insurance Business Act) The Financial Services Agency also lists the obligation to provide information and the obligation to ascertain intentions as points to note when soliciting insurance contracts. Note that the obligation to provide information and the obligation to ascertain intentions were established by the 2014 amendment to the Insurance Business Act.

[0016] In recent years, the leakage of personal information has become a social problem because it is being used for criminal activities. Therefore, it is crucial for non-life insurance companies and insurance agencies to manage and secure sensitive information related to insurance contracts, such as the personal information of policyholders, corporate information, contract information, insurance claim information, and insurance benefit information.

[0017] Insurance requires that you understand the coverage details of the contracted insurance policy and, under insurance law, promptly file a claim when an insured event occurs, as there is a statute of limitations. Otherwise, the insurance will not function or provide any benefit.

[0018] In insurance claims, it can sometimes be difficult for the policyholder to handle the claim process themselves. For example, in cases of dementia or sudden death, a relative may need to handle the procedure. Therefore, it is important to have a means of sharing information about insurance contracts.

[0019] As the number of insurance policies increases, centralized management becomes difficult. Furthermore, insurance claims and policy cancellation requests require specific documents from the insurance company, meaning that if the policyholder does not have these documents, they must obtain them from the insurance company or insurance agent.

[0020] The invention of the present application is configured to list various property insurances on a website in a menu format, and have an avatar, who is an insurance concierge, explain the content of the insurance products, and further reproduce insurance accidents in CG in the metaverse, making it easier for users to select insurance products. And it provides a property insurance business platform configured to aggregate information related to the purchased insurance in an insurance folder on the cloud, securely store it, enable information sharing and backup in case of disasters, etc., and facilitate contract management.

Means for Solving the Problems

[0021] In order to solve the above problems, the present invention is a business platform system for property insurance contracted online, which is communicably connected via the Internet to a management server of an insurance company that provides the property insurance or its agency, a cloud server device that provides a public cloud service contracted by the insurance company or its agency with a cloud service provider, and a user terminal of a user who subscribes to the property insurance. The cloud server device Insurance menus are listed on a website, and includes, in the insurance menu means This shows the details of the various types of non-life insurance products. an avatar explanation means in which an avatar serving as a concierge for the property insurance explains in a voice - accompanied video, and 、 in addition to the avatar explanation means, a need - arousal means for reproducing, in the metaverse in CG (Computer Graphics), cases that are difficult for the user to notice that are covered by the property insurance. Special clauses, etc. The insurance menu means, the avatar explanation means, and the need - arousal means further include an insurance cafeteria means by which the user can select and decide from a plurality of the property insurances. The aforementioned insurance menu means displays the product information separately for individual menus and corporate menus,

[0022] ​In the insurance menu means of the present invention, the characters indicating the types of property insurance displayed in the personal menu and the corporate menu are respectively URLs (Uniform Resource Locator) converted into HTML (Hyper Text Markup Language) tags for the avatar to access the promotion video explaining the product information. The user terminal accesses the cloud server device via the Internet and is posted on the website Ta By tapping or clicking on the characters indicating the type name in the personal menu or the corporate menu, access is made to the promotion video, and on the screen, the avatar explains by the avatar explanation means, and further, the needs arousal means displays on the screen a case that is difficult for the user to notice, which is reproduced by CG guaranteed by the property insurance. The case that is difficult for the user to notice indicates an expense insurance payment in addition to the property insurance payment in fire insurance or a case guaranteed by various special contracts. The user can confirm the product content of the property insurance by the avatar explanation means, can grasp the area guaranteed by the property insurance by the needs arousal means, and can determine the property insurance selected by the insurance cafeteria means. The property insurance company or its agency can grasp that the property insurance determined by the user by the insurance cafeteria means conforms to the user's intention. hand Information necessary for the user to subscribe It enables the acquisition of Furthermore, it can be grasped that the property insurance determined by the user by the insurance cafeteria means conforms to the user's intention.

[0023] The cloud server device of the present invention further includes a security means and an insurance folder means. The security means includes application information in which personal information and information necessary for subscription are input in an insurance application form transmitted by the user terminal to the cloud server device via the Internet, accident information in which the accident situation is input in an accident report and insurance claim form used when an insurance accident occurs in the property insurance contract, or change and cancellation information in which the reason is input in a change and cancellation form used when a change and cancellation reason occurs in the property insurance contract. andEach of these is encrypted, and the contract information, which is an image of an insurance policy, is transmitted from the cloud server device to the user terminal via the internet, and the accident response information is a response to the accident information. 、 The approval document image in the aforementioned transfer / cancellation information is the transfer / cancellation approval notice. and respectively The insurance folder means encrypts the information and further requests authentication information to access the insurance folder located in the secure storage of the cloud server device, thereby ensuring security for information related to the insurance contracted by the user, such as the application information and contract information.

[0024] The insurance folder means of the present invention aggregates and stores information relating to the non-life insurance contracts entered into by the user for each contract in the insurance folder provided in the secure storage, and the information relating to the non-life insurance contracts refers to the product information entered into by the user. 、 Insurance policy terms applicable to the product information 、 The aforementioned application information 、 The aforementioned contract information 、 The aforementioned accident report and insurance claim form 、 The aforementioned transfer / cancellation form 、 The aforementioned accident information 、 Information regarding the aforementioned accident response 、 The aforementioned change of contract cancellation information 、 Notice of Approval for Cancellation of Contract Each of the files and the aforementioned insurance folder to Name of insurance type corresponding to the aforementioned product information Add Furthermore, the aforementioned insurance folder Give each file you save a name and save it. The aforementioned user can easily manage contracts.

[0025] In order for the user of the present invention to subscribe to the damage insurance, the user terminal accesses the cloud server device via the internet, enters the authentication information, namely the ID and password, on the displayed login screen to set up an account, and transmits the application information encrypted by the secure means. The cloud server device decrypts the received application information, which is encrypted application information, using a decryption key, and further creates an insurance policy image based on the decrypted application information. The created insurance policy image, which is encrypted contract information, along with the accident report and insurance claim form and the change / cancellation form, are transmitted to the user terminal via the internet, and the encrypted application information or the application information in plain text is placed in the insurance folder. 、 The aforementioned encrypted contract information or the aforementioned contract information in plain text 、 Product Information 、 The aforementioned insurance policy 、 The aforementioned accident report and insurance claim form 、 The aforementioned transfer / cancellation form , is a file Each is given a name and saved, and separately, the decryption key for decrypting the aforementioned encrypted application information and the aforementioned encrypted contract information, and the file items saved in the insurance folder 、 Send the method for accessing the aforementioned folder, and the insurance folder teeth, The system securely manages information related to the aforementioned non-life insurance contracted by the user.

[0026] In the non-life insurance contract of the present invention, when an insured event occurs or an event for change or cancellation occurs, the user terminal accesses the cloud server device via the internet, enters the ID and password on the login screen displayed to log in to the account, accesses the insurance folder, and transmits the accident information or the change / cancellation information, which contains the accident situation or the reason for change or cancellation, using the accident report / insurance claim form or the change / cancellation form stored in the insurance folder, with the accident information or the change / cancellation information encrypted by the secure means, respectively. The cloud server device decrypts the received encrypted accident information or encrypted change / cancellation information using the decryption key, and stores the plain text accident information or plain text change / cancellation information or the encrypted accident information or the encrypted change / cancellation information in the insurance folder. Each of the following files The insurance company saves the encrypted accident information or the encrypted transfer / cancellation information, and separately transmits a decryption key to the user terminal via the internet. The insurance company notifies the user of the accident response information or the transfer / cancellation approval notice corresponding to the accident information or the transfer / cancellation information received by the cloud server device. The cloud server device encrypts the accident response information or the transfer / cancellation approval notice and transmits it to the user terminal via the internet. The encrypted accident response information or the encrypted transfer / cancellation approval notice, or the plain text accident response information or the transfer / cancellation approval notice, are also transmitted. Each of the following files The file is named and saved in the aforementioned insurance folder, and separately, a decryption key for decrypting the encrypted incident response information or the encrypted change cancellation approval notice is sent to the user terminal via the internet.

[0027] The user terminal of the present invention accesses the cloud server device via the internet, enters the ID and password on the login screen for logging into the account, accesses the insurance folder, and accesses the information related to the non-life insurance contract stored in the insurance folder. The fileThe information is displayed on the screen, allowing users to view, watch, and confirm it as needed. The cloud server device is configured to aggregate, store, and manage information related to the non-life insurance contracts entered into by the user in a secure insurance folder. [Effects of the Invention]

[0028] The present invention has the following effects. (1) Digitizing brochures, application forms, insurance policies, etc., will result in energy savings. (2) It has the effect of preventing information leakage for secure information management. (3) Standardization of quality in non-life insurance sales. (4) It is easy to manage multiple insurance contracts. (5) It is easy to understand the details of the insurance contract, history, accident history, etc. (6) It has the effect of preventing insurance claims from being left unclaimed. (7) Application information and contract information can be matched. (8) This is useful in cases of dementia or inheritance. (9) It has a backup effect in the event of earthquakes, tsunamis, fires, floods, etc. [Brief explanation of the drawing]

[0029] [Figure 1] This is a configuration diagram showing the overall system structure. [Figure 2] This diagram shows the means that a cloud server device has. [Figure 3] This is a reference diagram showing some of the insurance menus for individuals and corporations. [Figure 4] This diagram shows the information (files) related to the relevant non-life insurance contract, which are stored in the insurance folder. [Figure 5] This is a flowchart and sequence diagram. [Modes for carrying out the invention]

[0030] The embodiments of the present invention will be described with reference to Figures 1-5. However, the embodiments are not limited to the following descriptions.

[0031] Figure 1 shows that in the system of the present invention, a cloud server device 100 that provides a public cloud service contracted by a non-life insurance company or its agent, a management server 101 of the non-life insurance company or its agent, and a user terminal 102 of the user are connected so that they can communicate via the Internet Network.

[0032] Figure 2 shows the means provided by the cloud server device 100, which includes the following means: insurance menu means 200, avatar explanation means 203, needs stimulation means 204, insurance cafeteria means 205, security means 206, and insurance folder means 207.

[0033] Figure 3 shows an insurance menu, in which the cloud server device 100 posts personal menus 201 and corporate menus 202 using the insurance menu means 200 on the website, allowing applications for non-life insurance to be accepted at any time. By clicking or tapping on the desired insurance product name, users can access a promotional video explaining the avatar product. Therefore, the text representing the insurance product name is an HTML tag that indicates the URL.

[0034] The user accesses the cloud server device 100 from the user terminal 102 and clicks or taps the name of the desired type of non-life insurance. On the screen, an avatar acting as a non-life insurance concierge, via the avatar explanation means 203 in the metaverse, provides a detailed explanation of the insurance product details (product information).

[0035] The user terminal 102 displays product information on its screen, and the needs-stimulating means 204 uses computer graphics to recreate examples of coverage provided by various special clauses that users may not be aware of, allowing users to understand the coverage area of ​​the insurance they intend to purchase. Therefore, users considering purchasing insurance can receive information about the insurance product through the avatar explanation means 203 and the needs-stimulating means 204. Consequently, the system is configured to provide information to users from the non-life insurance company or its agent.

[0036] Furthermore, the insurance application form includes a check box to allow the insurance company or its agent to confirm that the insurance is in line with the user's wishes, as stipulated by the insurance cafeteria system 205.

[0037] Figure 4 shows the various file names stored in the insurance folder 400 located on the secure storage 700 of the cloud server device 100. Note that the insurance folder 400 can store multiple insurance contracts with different names.

[0038] Figure 5 is a conceptual diagram showing the flow of data transmission and reception between the user terminal 102, which is used by the user to enter into and manage the insurance contract, and the cloud server device 100.

[0039] As shown in Figure 5(1), the user terminal 102 accesses the cloud server device 100 and displays the insurance menu 200 posted on the website on its screen to confirm the product information of the desired insurance product. Then, when applying for insurance, the user enters their user ID and password on the login screen that appears to set up an account.

[0040] As shown in Figure 5 (2), the user terminal 102 sends application information, in which personal information and other information necessary for insurance enrollment have been entered into the insurance application form, to the cloud server device 100. At that time, the application information transmitted by the cloud service is configured to be automatically encrypted. The receiving cloud server device 100 is also configured to have a decryption key and be able to decrypt the information.

[0041] As shown in Figure 5 (3), the user makes the payment for the insurance premium they have purchased, and the non-life insurance company creates the insurance policy after confirming receipt of the payment.

[0042] As shown in Figure 5(4), the cloud server device 100 encrypts the insurance policy image file and sends it to the user terminal 102. Then, as shown in Figure 5(5), it separately sends a decryption key to the user terminal 102. The user can decrypt and verify the file using this decryption key.

[0043] As shown in Figure 5 (6), when an insurance claim or cancellation occurs for a user, the user terminal 102 sends the entered accident report and insurance claim form, or the entered cancellation form, to the cloud server device 100 if a reason for cancellation occurs. At that time, both forms are automatically encrypted.

[0044] The cloud server device 100 decrypts the received accident report / insurance claim form or the entered change / cancellation form using a decryption key, allowing the non-life insurance company to respond.

[0045] As shown in Figure 5 (7), the cloud server device 100 encrypts the accident response information (including insurance benefits) or the change / cancellation approval notice and transmits it to the user terminal 102 based on the results of the response by the non-life insurance company. Then, as shown in Figure 5 (8), the cloud server device 100 separately sends a decryption key to the user terminal 102.

[0046] The user decrypts and verifies the encrypted incident response information or transfer / cancellation approval notice sent to the user terminal 102 using the decryption key.

[0047] As shown in Figure 5(9), the various files shown in Figure 4 are stored in the insurance folder 400 located in the secure storage 700 of the cloud server device 100 so that information related to the insurance contract can be consolidated therein.

[0048] As shown in Figure 5 (10), the user can access the cloud server device 100 from the user terminal 102 and access the insurance folder 400 using their ID and password to view and confirm information related to the insurance contract at any time. In the case of an insurance claim or cancellation due to change of status, a form prescribed by the non-life insurance company can be used, and the system is configured to allow users to confirm the input method. Therefore, product information (avatar explanation means) and insurance terms and conditions are consolidated in the insurance folder 400. Thus, this system is configured to make it easy for users to manage their insurance contracts.

[0049] The following provides supplementary information regarding the embodiments. (Management server and cloud server device) The management server 101 works in conjunction with the cloud server device 100 to synchronize application information and other data in real time and create a database. The cloud server device 100 is designed to operate the website, send and receive data with user terminals 102, and securely store and back up user information. Therefore, data transmission is encrypted, and authentication is provided for access control during storage.

[0050] (Public cloud service) This invention utilizes a public cloud service to enable an unspecified number of users to subscribe via the internet network. Furthermore, it is configured to ensure secure information communication and secure storage of personal information related to insurance contracts, such as user application information, contract information (including images of insurance policies), and information regarding insurance claims and benefits. Therefore, the cloud service is configured to automatically encrypt transmissions between users and the insurance company or its agent using SSL (Secure Sockets Layer) / TLS (Transport Layer Security) across the entire website. Furthermore, data storage is backed up and recovered. Scalability is also supported. Therefore, the cloud service includes at least web hosting, database services, security services, storage services, and backup and recovery.

[0051] (Insurance folder) The insurance folder 400, located on the secure storage 700, allows users to securely store information related to multiple insurance contracts they have entered into. Each contract in the insurance folder 400 displays the name of the insurance type, and the saved files are also named accordingly, making contract management easier. When applying for insurance, users register a user account. Therefore, by entering the login information (ID and password) on the displayed login screen, users can also log in to the insurance folder 400. Note that the insurance folder 400 becomes unusable if the insurance contract is canceled.

[0052] (Information saved in the insurance folder) Of the files stored in the insurance folder 400 shown in Figure 4, encrypted files may be saved in plaintext after decryption using the decryption key, but it is preferable to keep them encrypted to ensure security. Plaintext is easier to use in terms of managing the decryption key and sharing information. Note that the decryption key may be managed by the insurance policyholder, but there is also a method of automatic management using the key management service of a cloud provider.

[0053] (Encryption and decryption keys) Information transmitted by the cloud server device 100 or user terminal 102 is automatically encrypted (SSL / TLS protocol) by the cloud service provider. Encrypted application information, contract information, accident information, change / cancellation information, etc., stored in the insurance folder 400 can be easily managed by using a single decryption key. The decryption key can be managed by the insurance policyholder, but it can also be managed automatically using the cloud provider's key management service. When encrypted information is sent from the cloud server device 100 to the user terminal 102, the cloud server device 100 also sends a decryption key to the user terminal 102. Information sent by the user terminal 102 to the cloud server device 100 can be decrypted by the cloud server device 100 using the decryption key.

[0054] (Secure measures) All information transmitted from the user terminal 102 to the cloud server device 100 is automatically encrypted (using the SSL / TLS protocol) by the cloud service. Similarly, all information transmitted from the cloud server device 100 to the user terminal 102 is also encrypted. Furthermore, the user terminal 102 is configured to log in to the cloud server device 100 account by entering an ID and password, and to access the insurance folder 400 located in the secure storage 700. However, it is preferable to use multi-factor authentication, requiring additional authentication factors in addition to the username and password.

[0055] (Insurance menu options) There are many different types of non-life insurance. Therefore, the insurance menu displayed on the website is divided into personal menu 201 and corporate menu 202. The text information indicating the URL is an HTML tag, which allows users to access a promotional video site with detailed information about the insurance by clicking or tapping the insurance type name on their device. Although not illustrated, each insurance name includes a summary. For example, fire insurance in the corporate menu covers buildings, fixtures and equipment, products, raw materials, etc. Note that insurance type names may vary depending on the insurance company. The website is structured to make it easy for prospective insurance customers to choose from a list of options.

[0056] (Avatar explanation method) The service is designed to provide detailed explanations of insurance product coverage, exclusion clauses, and important notes through audio-enabled videos featuring an avatar acting as an insurance concierge. It also guides users through procedures such as insurance claims and policy changes / cancellations, and provides information on consultation services. Furthermore, it explains important matters and provides warnings.

[0057] (Methods for stimulating needs) Needs-stimulating means 204 is designed to make the coverage details, which may be difficult for policyholders to notice, easier to understand by visually recreating concrete examples of insurance incidents using computer graphics in the metaverse. For example, in fire insurance, there is expense insurance that is paid for expenses incurred as a result of a fire, separate from damage insurance payments when the insured subject, such as buildings and household goods, is damaged. This includes insurance payments for necessary damage prevention expenses incurred in firefighting activities, insurance payments for fire damage expenses paid when the source of the fire damages the property of a neighboring third party, insurance payments for the cost of clearing away burnt remains, or temporary expense insurance payments. Note that the coverage details may differ depending on the insurance company, but in general fire insurance, expense insurance payments are made in addition to damage insurance payments. In addition, in general residential fire insurance, lightning, explosions, and ruptures are covered in addition to fire, but if a lightning strike damages a refrigerator, television, air conditioner, etc., it will be covered if the insured subject is household goods, but there are cases where insurance claims are not made because it does not involve a fire. However, some insurance companies have policy terms that do not cover lightning strikes. In addition, because adding special clauses can potentially align with user preferences, the means of stimulating needs also include explaining the available special clauses. For example, in facility liability insurance, which is generally contracted by building owners and management companies, there is a water leakage risk coverage clause that covers water leaks in water supply and drainage systems, but there are also several other special clauses that meet user needs, such as covering litigation costs for accidents within the facility. Furthermore, in fire insurance, there is a special clause that guarantees actual loss payment up to the insured amount, where a predetermined percentage of the insured amount relative to the replacement cost of the building is set, and if the damage exceeds the amount of the insured amount multiplied by the predetermined percentage in the event of a disaster, the actual loss will be paid up to the insured amount. (Generally, fire insurance contracts are often made at the replacement cost (predetermined insured percentage of 100%) so that the building can be rebuilt. Note that the name of the special clause may differ depending on the insurance company, or it may not be a special clause but included in the coverage of the main contract.)

[0058] (Insurance cafeteria method) When purchasing non-life insurance, the Insurance Business Act requires insurance agents at non-life insurance companies and insurance agencies to ascertain whether the insurance aligns with the policyholder's intentions. (Insurance Business Act, Article 294-2) Therefore, a system has been established to allow non-life insurance companies or their agencies to confirm that the policyholder has understood the content explained by the avatar from the insurance menu before applying for the insurance. For this purpose, the application form includes a section to confirm that the non-life insurance aligns with the policyholder's intentions after viewing product information provided by the avatar explanation means 203 and the needs stimulation means 204. Note that the diagram is omitted.

[0059] (Product information) This section provides information based on insurance policy terms and conditions regarding the coverage provided by various non-life insurance products, as well as exclusion clauses that prevent insurance payments.

[0060] (Information required for application) The insurance application form requires personal information such as the policyholder's name and address, as well as information necessary for the insurance coverage. For example, in the case of fire insurance, it requires input of the location of the property, the purpose of the insurance (building, contents, etc.), the building structure, and the total floor area.

[0061] (Regarding handling of accident information or contract termination due to change of address) The accident report and insurance claim form includes fields for sending and receiving information about the progress of communication with the other party, anticipating car accidents. Since it also functions as an insurance claim form, it includes a field for the policyholder's bank account details. Furthermore, the system notifies the user once the insurance payment is complete. The policy change / cancellation form includes fields for inputting the reason for cancellation and a field for the insurance company's approval, along with examples and notes. It also includes a field for the policyholder's bank account details if a surrender value is due. Illustrations are omitted from both forms. All transmissions are automatically encrypted via a cloud service. Additionally, the policy change / cancellation form allows for the input of a request for a certificate of suspension to carry over the no-claims discount in car insurance.

[0062] Through the above embodiment, the insurance contract information of users, who are insurance policyholders, can be securely protected on the cloud, enabling information sharing and backup, and further simplifying contract management. [Explanation of Symbols]

[0063] NW Internet 100 Cloud Server Devices 101 Management Server 102 User terminals 200 Insurance Menu Options 201 Personal Menu 202 Corporate Menu 203 Avatar Explanation Methods 204 Means of stimulating needs 205 Insurance Cafeteria Method 206 Secure measures 207 Insurance folder method 700 Secure Storage 400 Insurance Folders 401 Application information or encrypted application information 402 Contract information or encrypted contract information 403 Accident Information or Cryptographic Accident Information 404 Incident Response Information or Cryptographic Incident Response Information 405 Transfer / Cancellation Information or Encrypted Transfer / Cancellation Information 406 Transfer / Cancellation Approval Notice or Encrypted Transfer / Cancellation Approval Notice 407 Contracted Product Information 408 Insurance policy terms and conditions of the contracted insurance 409 Accident Report and Insurance Claim Form 410 Transfer / Cancellation Form

Claims

1. This is a business platform system for contracting non-life insurance online. The management server of the non-life insurance company or its agent that provides the aforementioned non-life insurance, the cloud server device that provides public cloud services contracted by the non-life insurance company or its agent with a cloud service provider, and the user terminal of the user who subscribes to the aforementioned non-life insurance are connected via the Internet in a manner that allows communication between them. The aforementioned cloud server device includes an insurance menu means that displays insurance menus on a website, which are divided into personal menus and corporate menus, and show product information indicating the details of various types of non-life insurance products. The insurance menu means includes an avatar explanation means in which an avatar acting as a concierge for the non-life insurance explains the product information in a video with voice, Furthermore, in addition to the avatar explanation means, the system also includes a means for stimulating needs by reproducing, in the metaverse, computer graphics (CG) the cases that users may not easily notice, which are covered by the damage insurance. A non-life insurance business platform system further comprising an insurance cafeteria means that allows the user to select and decide from a plurality of non-life insurance policies using the insurance menu means, the avatar explanation means, and the needs stimulation means.

2. In the aforementioned insurance menu means, the characters indicating the type of non-life insurance displayed in the personal menu and the corporate menu are, respectively, URLs (Uniform Resource Locators) converted into HTML (Hyper Text Markup Language) tags for the avatar to access a promotional video explaining the product information. The user terminal accesses the cloud server device via the internet and accesses the promotional video by tapping or clicking on the text indicating the type name of the personal menu or the corporate menu displayed on the website. On the screen, the avatar provides commentary using the avatar commentary means. Furthermore, the aforementioned needs-stimulating means displays on the screen examples of cases that users may not easily notice, which are reproduced using computer graphics and are covered by the aforementioned non-life insurance. The aforementioned examples of cases that users may not easily notice refer to cases where expenses are paid in addition to damage insurance payments in fire insurance, or cases covered by various special provisions. The user can confirm the details of the non-life insurance product through the avatar explanation means, Furthermore, the means for stimulating needs allows for the understanding of the areas covered by the aforementioned non-life insurance, Then, the aforementioned non-life insurance can be determined by the insurance cafeteria means, The aforementioned non-life insurance company or its agent can provide the user with the information necessary to subscribe to the aforementioned non-life insurance through the avatar explanation means and the needs stimulation means. Furthermore, the non-life insurance business platform system according to claim 1 is characterized in that the insurance cafeteria means can determine whether the non-life insurance selected by the user is in line with the user's intentions.

3. The aforementioned cloud server device further comprises a secure means and an insurance folder means, The secure means encrypts the application information, which contains personal information and information necessary for enrollment, entered into the insurance application form transmitted by the user terminal to the cloud server device via the internet, and the accident information, which contains the accident details entered into the accident report and insurance claim form used when an insured event occurs in the non-life insurance contract, or the change / cancellation information, which contains the reason entered into the change / cancellation form used when a change / cancellation reason occurs in the non-life insurance contract. The cloud server device encrypts the contract information, which is an image of an insurance policy, transmitted to the user terminal via the internet, the accident response information, which is a response to the accident information, and the change / cancellation approval notice, which is an image of an approval document approved in the change / cancellation information. Furthermore, the insurance folder means requests authentication information to access the insurance folder located in the secure storage of the cloud server device. The non-life insurance business platform system according to claim 1, characterized in that security is ensured for information related to insurance contracted by the user, such as the application information and the contract information.

4. The insurance folder means aggregates and stores information related to the non-life insurance contracts entered into by the user for each contract in the insurance folder provided in the secure storage, The information relating to the aforementioned non-life insurance contract is the product information contracted by the user, the insurance policy terms and conditions corresponding to the product information, the application information, the contract information, the accident report and insurance claim form, the change / cancellation form, the accident information, the accident response information, the change / cancellation information, and the change / cancellation approval notice, The aforementioned insurance folder is assigned the name of the type of insurance corresponding to the aforementioned product information, and furthermore, the information stored in the aforementioned insurance folder is The non-life insurance business platform system according to claim 3, characterized in that it is named and saved and configured to facilitate contract management by the user.

5. In order for the user to subscribe to the damage insurance, the user terminal accesses the cloud server device via the internet and sets up an account by entering the authentication information, namely the ID and password, on the displayed login screen. The application information, encrypted by the secure means, is transmitted. The aforementioned cloud server device is The received application information is encrypted, and the encrypted application information is decrypted using the decryption key. Furthermore, an insurance policy image is created based on the decrypted application information. The created insurance policy image, encrypted contract information, the accident report and insurance claim form, and the change / cancellation form are transmitted to the user terminal via the internet. Furthermore, the encrypted application information or the plain text application information, the encrypted contract information or the plain text contract information, the product information, the insurance policy terms and conditions, the accident report and insurance claim form, and the change / cancellation form are each named and saved in the insurance folder. Furthermore, separately, the decryption key for decrypting the aforementioned encrypted application information and the aforementioned encrypted contract information, the file items stored in the insurance folder, and the method for accessing the said folder will be transmitted. The non-life insurance business platform system according to claim 3, characterized in that the insurance folder securely manages information relating to the non-life insurance contracted by the user.

6. In the event of the aforementioned insured event occurring under the said non-life insurance contract, or if an event for change or termination occurs, the user terminal shall Access the cloud server device via the internet, enter the ID and password on the login screen displayed to log in to the account, and access the insurance folder. The accident information or the change / cancellation information, in which the accident details or the reason for change or cancellation are entered using the accident report and insurance claim form or the change / cancellation form stored in the insurance folder, is encrypted by the secure means and transmitted, respectively. The cloud server device decrypts the received incident information or the transfer / cancellation information, which has been encrypted, using the decryption key. Furthermore, the plain text accident information or plain text change / cancellation information or encrypted accident information or encrypted change / cancellation information is saved in the insurance folder with a name, Furthermore, a decryption key for decrypting the aforementioned encryption accident information or the aforementioned encryption transfer cancellation information is separately transmitted to the user terminal via the internet. The aforementioned non-life insurance company, in order to notify the user of the accident response information or the change / cancellation approval notice corresponding to the accident information or change / cancellation information received by the cloud server device, encrypts the accident response information or the change / cancellation approval notice and transmits it to the user terminal via the internet. Furthermore, the aforementioned accident response information or the aforementioned change cancellation approval notice is encrypted, or the aforementioned accident response information or the aforementioned change cancellation approval notice is given a name and saved in the aforementioned insurance folder. The non-life insurance business platform system according to claim 5, further characterized in that a decryption key for decrypting the encrypted incident response information or the encrypted change cancellation approval notice is transmitted to the user terminal via the Internet.

7. The user terminal accesses the cloud server device via the internet, enters the ID and password on the login screen to log in to the account, and accesses the insurance folder. The information relating to the aforementioned non-life insurance contract stored in the aforementioned insurance folder is displayed on the screen, allowing it to be viewed, listened to, and confirmed as appropriate. The non-life insurance business platform system according to claim 5, characterized in that the cloud server device is configured to aggregate, store, and manage information relating to the non-life insurance contracts entered into by the user in a secure insurance folder.

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