Computer system for supporting building insurance services, method and program executed in the computer system

Abstract

To provide a computer system for supporting building insurance services. 【Solution means】The computer system of the present invention includes means for identifying information related to a building, means for identifying information related to at least one defect warranty insurance applicable to the building based on the information related to the building, and means for executing a process for presenting the information related to the identified at least one defect warranty insurance. In one embodiment, the information related to the building includes information related to at least one highly durable material used in the building, and the means for identifying information related to at least one defect warranty insurance applicable to the building based on the information related to the building may include means for identifying at least one defect warranty insurance associated with at least one highly durable material among the information related to at least one defect warranty insurance applicable to the building.

Description

Technical Field

[0001] The present invention relates to a computer system for assisting building insurance services, a method and a program executed in the computer system.

Background Art

[0002] Conventionally, housing defect warranty insurance has been known (see, for example, Non-Patent Document 1).

Prior Art Documents

Non-Patent Documents

[0003]

Non-Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Generally, housing developers are obliged to guarantee the building structure for a long period of 10 years from the time of new construction under the law on the promotion of housing quality assurance and the like. Also, housing developers are obliged by the law on the performance of warranty against defects to take either "warranty insurance" or "deposit" as a measure to ensure the financial resources for fulfilling the guarantee obligation. However, the majority (more than 99%) of developers choose to ensure financial resources through warranty insurance. Housing developers must deliver new-built houses to the owners of the houses in a state where they have subscribed to warranty insurance for 10 years from the time of new construction to prepare for risks such as the bankruptcy of the housing developer. However, the delivery has been made without considering which warranty insurance company and which warranty insurance are best to subscribe to at the time of new construction. Also, without reviewing the warranty insurance after 10 years from the time of new construction, when the contract of the warranty insurance has expired, the owner of the house has had to repair it himself or bear a high repair cost.

[0005] An object of the present invention is to provide a computer system, a method, and a program for assisting an insurance service for a building, which enable a user to consider warranty insurance for a building at the time of new construction of the building and / or at the time of renewal of the warranty insurance for the building.

Means for Solving the Problems

[0006] In one aspect of the present invention, the computer system of the present invention is a computer system for assisting an insurance service for a building, and the computer system includes means for identifying information about the building, means for identifying information about at least one warranty insurance applicable to the building based on the information about the building, and means for executing a process for presenting the identified information about the at least one warranty insurance.

[0007] In one embodiment of the present invention, the information about the building includes information about at least one highly durable material used in the building, and means for identifying information about at least one defect warranty insurance applicable to the building based on the information about the building may include means for identifying at least one defect warranty insurance associated with the at least one highly durable material among the information about at least one defect warranty insurance applicable to the building.

[0008] In one embodiment of the present invention, the computer system includes means for identifying information about one or more defect warranty insurances not applicable to the building and one or more conditions necessary to make the one or more defect warranty insurances applicable to the building based on the information about the building, and means for executing a process for presenting the information about the one or more defect warranty insurances not applicable to the building and the one or more conditions. It may further include.

[0009] In one embodiment of the present invention, the information about the building includes information indicating that the building is newly constructed, and means for identifying information about at least one defect warranty insurance applicable to the building based on the information about the building may include means for identifying one or more defect warranty insurances associated with new construction among the information about at least one defect warranty insurance applicable to the building.

[0010] In one embodiment of the present invention, the computer system further includes means for receiving a request for updating the defect warranty insurance currently applied to the building, and the information about the at least one defect warranty insurance applicable to the building may be identified in response to receiving the request for updating the defect warranty insurance currently applied to the building.

[0011] In one embodiment of the present invention, the information regarding the building includes information indicating the age of the building, and the means for identifying information regarding at least one defect warranty insurance applicable to the building based on the information regarding the building may include means for identifying one or more defect warranty insurances associated with the age of the building among the information regarding at least one defect warranty insurance applicable to the building.

[0012] In one embodiment of the present invention, the information regarding the building includes information indicating the repair history of the building, and the means for identifying information regarding at least one defect warranty insurance applicable to the building based on the information regarding the building may include means for identifying information regarding at least one defect warranty insurance applicable to the building based on the information indicating the repair history of the building.

[0013] In one aspect of the present invention, the method of the present invention is a method executed in a computer system for assisting an insurance service for a building, the computer system includes a processor unit, and the method includes the processor unit identifying information regarding the building, the processor unit identifying information regarding at least one defect warranty insurance applicable to the building based on the information regarding the building, and the processor unit executing a process for presenting the identified information regarding at least one defect warranty insurance.

[0014] In one aspect of the present invention, the program of the present invention is a program executed in a computer system for assisting an insurance service for a building, the computer system includes a processor unit, and when the program is executed by the processor unit, the program causes the processor unit to at least identify information regarding the building, identify information regarding at least one defect warranty insurance applicable to the building based on the information regarding the building, and execute a process for presenting the identified information regarding at least one defect warranty insurance.

Advantages of the Invention

[0015] According to the present invention, it is possible to provide a computer system, a method, and a program for supporting an insurance service for a building, which enable a user to consider a building defect warranty insurance when a building is newly constructed and / or when the building defect warranty insurance is renewed.

Brief Description of Drawings

[0016]

Figure 1

Figure 2A

Figure 2B

Figure 2C

Figure 3

Figure 4

Modes for Carrying Out the Invention

[0017] 1. A new service that enables users to consider the defect warranty insurance for buildings The applicant proposes a new service that enables a user (e.g., a building owner, a housing business operator, a renovation company, a defective building warranty insurance company, etc.) to consider defective building warranty insurance. This new service is intended to present at least one defective building warranty insurance applicable to the building when the building is newly constructed and / or when the defective building warranty insurance of the building is renewed. In this new service, for example, when the building is newly constructed, information regarding at least one defective building warranty insurance applicable to the building is identified based on information about the building (e.g., information regarding the materials of the building). Also, in this new service, for example, when renewing the defective building warranty insurance currently applied to the building, information regarding at least one defective building warranty insurance applicable to the building (when the defective building warranty insurance currently applied to the building expires) is identified (e.g., manually or using artificial intelligence (e.g., a machine learning model)) based on information about the building (e.g., information regarding the materials of the building, information indicating the age of the building, information indicating the repair history of the building). Thereby, the user can obtain options for defective building warranty insurance both at the time of new construction and at the time of renewal of the defective building warranty insurance, and it is possible to let the building owner select the defective building warranty insurance desired by the building owner. Therefore, the building owner can avoid a situation where the contract for the defective building warranty insurance has expired without notice and the defective building warranty insurance service cannot be received. Here, the "building" may be a building for residential use or a building for non-residential use (e.g., a commercial building or an industrial factory).

[0018] Hereinafter, embodiments of the present invention will be described with reference to the drawings.

[0019] 2. The configuration of a system for realizing a new service that enables users to consider the defect warranty insurance for buildings FIG. 1 shows an example of the configuration of a system 100 for realizing a new service that enables a user to consider defective building warranty insurance.

[0020] In the embodiment shown in FIG. 1, the system 100 includes a computer system 110 for supporting the insurance service of the building and user devices 1201 to 120 Nand is provided with. The computer system 110 is configured to be able to communicate with each of the user devices 1201 to 120 N respectively via the Internet 130. Here, N is an integer of 1 or more.

[0021] The computer system 110 is an information processing system that executes processing for an enterprise that supports building insurance services. In the embodiment shown in FIG. 1, the computer system 110 includes an interface unit 111, a processor unit 112 including one or more CPUs (Central Processing Units), and a memory unit 113. The computer system 110 may further include a display unit, an input unit, and the like. The hardware configuration of the computer system 110 is not particularly limited as long as its functions can be realized, and it may be configured by a single machine, or may be configured by combining a plurality of machines.

[0022] The interface unit 111 controls communication with each of the user devices 1201 to 120 N respectively.

[0023] The memory unit 113 stores programs necessary for executing processing, data necessary for executing the programs, and the like. Here, it does not matter how the program is stored in the memory unit 113. For example, the program may be pre-installed in the memory unit 113. Alternatively, the program may be installed in the memory unit 113 by being downloaded via a network such as the Internet 130, or may be installed in the memory unit 113 via a storage medium such as an optical disk or a USB.

[0024] The processor unit 112 controls the operation of the entire computer system 110. The processor unit 112 reads out the program stored in the memory unit 113 and executes the program. As a result, the computer system 110 can function as a device that executes desired steps, and the processor unit 112 of the computer system 110 can operate as a means for achieving the desired functions.

[0025] In the embodiment shown in FIG. 1, the computer system 110 is connected to the database unit 140. The database unit 140 includes an owner database unit 141, a defect warranty insurance database unit 142, and a building database unit 143. The database unit 140 may further include, for example, an earthquake insurance database unit that stores information related to earthquake insurance, a facility insurance database unit that stores information related to facility insurance, a fire insurance database unit that stores information related to fire insurance, a household property insurance database unit that stores information related to household property insurance, a termite insurance database unit that stores information related to termite insurance, etc., in order for the computer system 110 to handle other insurances (e.g., earthquake insurance, facility insurance, fire insurance, household property insurance, termite insurance).

[0026] Each of the user devices 1201 to 120 N is configured to be able to communicate with the computer system 110 via the Internet 130. Each of the user devices 1201 to 120 N may each include an interface unit, a processor unit, a memory unit, a display unit, and an input unit. For example, each of the user devices 1201 to 120 N may be a portable wireless terminal such as a mobile phone, a smartphone, a tablet terminal, or may be a personal computer such as a laptop PC or a notebook PC.

[0027] Note that in the embodiment shown in FIG. 1, the user devices 1201 to 120 NAlthough each of them has been described as being communicable with the computer system 110 via the Internet 130, the present invention is not limited to this. It is also possible to use any type of network instead of the Internet 130.

[0028] Also, in the embodiment shown in FIG. 1, the database unit 140 is provided outside the computer system 110, but the present invention is not limited to this. It is also possible to provide the database unit 140 inside the computer system 110. The configuration of the database unit 140 is not limited to a specific hardware configuration. For example, the database unit 140 may be composed of a single hardware component or a plurality of hardware components. For example, the database unit 140 may be configured as a single external hard disk device of the computer system 110, or may be configured as storage on the cloud connected via a network. Furthermore, the configuration of each database unit included in the database unit 140 is also not limited to a specific hardware configuration. For example, each database unit included in the database unit 140 may also be composed of a single hardware component or a plurality of hardware components.

[0029] FIG. 2A shows an example of the configuration of the information stored in the owner database unit 141.

[0030] The owner database unit 141 stores information about the owner. The information about the owner can be identified by information (owner ID) for identifying the owner. The information about the owner includes, for example, the owner's name, gender, date of birth, phone number, e-mail address, and the like.

[0031] FIG. 2B shows an example of the configuration of the information stored in the defect warranty insurance database unit 142.

[0032] The defect warranty insurance database section 142 stores information related to defect warranty insurance. The information related to defect warranty insurance can be identified by information for identifying the defect warranty insurance (defect warranty insurance ID). The information related to defect warranty insurance includes, for example, information about the insurance company that provides the defect warranty insurance identified by the defect warranty insurance ID (such as the name, address, phone number, email address, etc. of the insurance company), the warranty period, exemption clauses, etc. The information related to defect warranty insurance further includes, as conditions for applying to a building, conditions associated with the materials of the building and conditions associated with the age of the building. The conditions associated with the materials of the building include, for example, conditions associated with high-durability materials in the building (such as whether high-durability materials are used in the building, the locations in the building where high-durability materials are used (such as walls, roofs, floors), the types of high-durability materials used in the building, etc.). The conditions associated with the age of the building include, for example, the age of the building being less than 15 years, less than 20 years, less than 25 years, less than 30 years, etc.

[0033] The number of "conditions for applying to a building" set for one defect warranty insurance may be one or more than one. When the number of "conditions for applying to a building" set for a defect warranty insurance is more than one, information about at least one defect warranty insurance that satisfies some or all of the multiple "conditions for applying to a building" may be specified.

[0034] When the defect warranty insurance identified by the defect warranty insurance ID is updated, the information related to the defect warranty insurance may include the update history of the defect warranty insurance (such as information indicating the content of the defect warranty insurance before the update, information indicating the content of the defect warranty insurance after the update, the updater). Thereby, the user can use the information indicating the content of the defect warranty insurance before the update and / or the information indicating the content of the defect warranty insurance after the update as needed.

[0035] The information regarding the defect warranty insurance may further include information indicating whether it is currently available. That is, the information regarding the defect warranty insurance stored in the defect warranty insurance database section 142 may further include information regarding past defect warranty insurance (such as that which is not currently available). Thereby, the user can confirm the content of past defect warranty insurance.

[0036] FIG. 2C shows an example of the configuration of the information stored in the building database section 143.

[0037] The building database section 143 stores information regarding the building. The information regarding the building can be identified by information for identifying the building (building ID). The information regarding the building is associated with information for identifying the owner who owns the building identified by the building ID (owner ID). The information regarding the building includes, for example, the address of the building, the number of years since construction, the materials (for example, the presence or absence of high-durability materials, the locations where high-durability materials are used, the types of high-durability materials used), the floor plan, information indicating the repair history (for example, information indicating the repair locations and repair details within the building, the repair dates), etc. When the number of years since construction of the building is less than or equal to a predetermined number of years (for example, 1 year, 2 years, 3 years, etc.), the information regarding the building further includes information indicating that the building is newly constructed. When defect warranty insurance is applied to the building identified by the building ID, the information regarding the building is further associated with information for identifying the defect warranty insurance applied to the building identified by the building ID (defect warranty insurance ID), and further includes the warranty period, the warranty start date, the expected warranty end date, etc. of the defect warranty insurance. The information regarding the building may further include still images of the building identified by the building ID, moving images of the building, and / or information indicating the sound within the building.

[0038] Information about a building may be further associated with information (warranty insurance ID) for identifying warranty insurance that was previously applied to the building identified by the building ID. Thereby, the user can check the details of the warranty insurance that was previously applied to the building identified by the building ID.

[0039] 3. Processes executed in a computer system FIG. 3 shows an example of a process executed in the computer system 110. Each step shown in FIG. 3 is executed, for example, by the processor unit 111 of the computer system 110. In the embodiment shown in FIG. 3, it is assumed that the building X is owned by the owner A. Also, each step shown in FIG. 3 is executed when the building X is newly constructed. Hereinafter, each step shown in FIG. 3 will be described.

[0040] Step S301: Information about the building X is specified. This process can be achieved, for example, by the information about the building X being input via the input unit of the computer system 110. Alternatively, this process can be achieved, for example, by receiving information (building ID) for identifying the building X and / or information (owner ID) for identifying the owner A of the building X (from, for example, the user device 1201 operated by the user), and extracting the information about the building X from the information about the buildings stored in the building database unit 143 based on the information (building ID) for identifying the building X and / or the information (owner ID) for identifying the owner A. The information about the building X includes information indicating that the building X is newly constructed.

[0041] Step S302: Information on at least one defect warranty insurance applicable to building X is identified. This process is executed based on information regarding building X (particularly, information indicating that building X is newly constructed), for example, by referring to the defect warranty insurance database section 142 and the building database section 143. In this process, in particular, among the information on at least one defect warranty insurance applicable to building X, one or more defect warranty insurances associated with new construction are identified. The information on at least one defect warranty insurance applicable to building X may be further identified based on still images of building X, moving images of building X, and / or information indicating voices within building X. This process may be executed using artificial intelligence (for example, a machine learning model).

[0042] The information regarding building X may include information on at least one highly durable material used in building X. In this case, the information on at least one defect warranty insurance applicable to building X may be identified based on the information on at least one highly durable material used in building X. The information on at least one highly durable material used in building X may include information indicating the type and / or location of the highly durable material used. For example, if a highly durable material is used for the wall of building X, information on at least one defect warranty insurance including the fact that a highly durable material is used for the wall of the building in the "conditions for application to the building" may be identified. For example, if highly durable material P is used in building X, information on at least one defect warranty insurance including the fact that highly durable material P is used in the building in the "conditions for application to the building" may be identified. For example, if highly durable material P is used for the wall of building X, information on at least one defect warranty insurance including the fact that highly durable material P is used for the wall of the building in the "conditions for application to the building" may be identified.

[0043] Step S303: A process for presenting information on at least one defect warranty insurance identified in Step S302 is executed. This process includes, for example, transmitting information on at least one defect warranty insurance to the user device 1201 operated by the user, and displaying information on at least one defect warranty insurance on the display unit of the computer system 110. For example, among the information on at least one defect warranty insurance identified in Step S302, only the information on one or more defect warranty insurances provided by a specific defect warranty insurance company (e.g., in response to a request from the user) may be presented to the user, or the information on one or more defect warranty insurances provided by a plurality of defect warranty insurance companies may be presented to the user for each defect warranty insurance company.

[0044] In this way, at the time of new construction, by presenting the defect warranty insurance applicable to Building X to the user, the user can select a defect warranty insurance that suits their lifestyle, risks, and budget.

[0045] Also, when a housing business operator uses the computer system 110 as a user, the housing business operator can deliver the newly constructed Building X, which is covered by an appropriate new housing defect warranty insurance, to Owner A in accordance with the "Act on Ensuring the Performance of Specific Housing Defect Warranty Liability, etc." (Housing Defect Warranty Performance Act).

[0046] Note that at any timing after step S301, the computer system 110 identifies information on one or more defect warranty insurances not applicable to building X and one or more conditions necessary to make one or more defect warranty insurances not applicable to building X applicable to building X, based on the information on building X, and may execute a process for presenting the identified information on one or more defect warranty insurances not applicable to building X and the identified one or more conditions. For example, one or more defect warranty insurances whose one or more conditions necessary to be applicable to building X are equal to or less than a predetermined threshold number (e.g., 1, 2, 3, etc.) may be identified. By presenting to the user a defect warranty insurance (and its additional conditions) that is not applicable at present but can be made applicable by additionally satisfying the conditions, the user can consider whether they can satisfy the conditions not satisfied at present and can widen the range of defect warranty insurances that can be selected. The additional conditions necessary to be applicable although not applicable at present may include, for example, conditions regarding the type of highly durable material (e.g., whether a specific highly durable material is used in building X), conditions regarding the location where the highly durable material is used (e.g., whether a highly durable material is used in the wall of building X, whether a highly durable material is used in the roof of building X, whether a highly durable material is used in the floor of building X), locations to be inspected or examined in building X (e.g., whether the wall of building X has been inspected or examined within one year, whether the roof of building X has been inspected or examined within one year, whether the floor of building X has been inspected or examined within one year), conditions regarding whether to perform construction on deteriorated parts of building X, and the like. Information regarding the type and location of the highly durable material used in building X, information indicating the locations inspected or examined in building X, and information indicating the locations where construction on deteriorated parts of building X is planned to be performed are received by the computer system 110 from the user device 1201, for example, prior to step S302 (e.g., before step S301).

[0047] Figure 4 shows another example of the processing executed in the computer system 110. Each step shown in Figure 4 is executed, for example, by the processor unit 111 of the computer system 110. In the embodiment shown in Figure 4, it is assumed that Building X is owned by Owner A. Also, each step shown in Figure 4 is executed when updating the latent defect insurance currently applied to Building X (that is, when the expiration date of the latent defect insurance currently applied to Building X is approaching). Hereinafter, each step shown in Figure 4 will be described.

[0048] Step S401: A request to update the latent defect insurance currently applied to Building X is received. This request can be received, for example, from the user device 1201 operated by the user. This request may include, for example, information (building ID) for identifying Building X and / or information (owner ID) for identifying Owner A of Building X.

[0049] Step S402: Information regarding Building X is specified. This process can be achieved, for example, by extracting information regarding Building X from the information regarding the buildings stored in the building database unit 143 based on the information (building ID) for identifying Building X and / or the information (owner ID) for identifying Owner A. The information regarding Building X includes information indicating the age of construction of Building X.

[0050] Step S403: Information regarding at least one defect warranty insurance applicable to Building X is identified. This process is executed, for example, with reference to the defect warranty insurance database section 142 and the building database section 143, based on information regarding Building X (particularly, information indicating the age of construction of Building X). In this process, in particular, among the information regarding at least one defect warranty insurance applicable to Building X, one or more defect warranty insurances associated with the age of construction of Building X are identified. This process may be executed in response to receiving a request for updating the defect warranty insurance currently applied to Building X. The information regarding at least one defect warranty insurance applicable to Building X may be further identified based on information indicating a still image of Building X, a moving image of Building X, and / or audio within Building X. This process may be executed using artificial intelligence (for example, a machine learning model).

[0051] The information regarding Building X may include information regarding at least one highly durable material used in Building X. In this case, the information regarding at least one defect warranty insurance applicable to Building X may be identified based on the information regarding at least one highly durable material used in Building X. The information regarding at least one highly durable material used in Building X may include information indicating the type and / or location of the highly durable material used. For example, if a highly durable material is used for the wall of Building X, information regarding at least one defect warranty insurance including the fact that a highly durable material is used for the wall of the building in the "conditions for application to the building" may be identified. For example, if highly durable material P is used in Building X, information regarding at least one defect warranty insurance including the fact that highly durable material P is used in the building in the "conditions for application to the building" may be identified. For example, if highly durable material P is used for the wall of Building X, information regarding at least one defect warranty insurance including the fact that highly durable material P is used for the wall of the building in the "conditions for application to the building" may be identified.

[0052] The information regarding Building X may include information indicating the repair history of Building X. In this case, the information regarding at least one defect warranty insurance applicable to Building X can be specified based on the information indicating the repair history of Building X. The information indicating the repair history of Building X may include information indicating the repair locations and details within Building X and the repair dates thereof. For example, if the caulking of the roof of Building X has been repaired, information regarding at least one defect warranty insurance that includes the repair of the caulking of the roof of the building in the "conditions for application to the building" can be specified. For example, if the caulking of the wall of Building X has been repaired within three years from the timing of the renewal of the defect warranty insurance, information regarding at least one defect warranty insurance that includes the repair of the caulking of the roof of the building within three years from the timing of the renewal of the defect warranty insurance in the "conditions for application to the building" can be specified.

[0053] Step S404: A process for presenting the information regarding at least one defect warranty insurance specified in Step S403 is executed. This process includes, for example, transmitting the information regarding at least one defect warranty insurance to the user device 1201 operated by the user, displaying the information regarding at least one defect warranty insurance on the display unit of the computer system 110, etc. For example, among the information regarding at least one defect warranty insurance specified in Step S403, only the information regarding one or more defect warranty insurances provided by a specific defect warranty insurance company (e.g., in response to a request from the user) may be presented to the user, or the information regarding one or more defect warranty insurances provided by a plurality of defect warranty insurance companies may be presented to the user for each defect warranty insurance company.

[0054] In this way, when renewing the defect warranty insurance currently applied to Building X (i.e., when the contract of the defect warranty insurance currently applied to Building X expires), by presenting the defect warranty insurance applicable to Building X to the user, the user can consider whether to substantially extend the defect warranty insurance currently applied to Building X or select another defect warranty insurance applicable to Building X.

[0055] In addition, with the advent of highly durable materials, various defect warranty insurances (for example, defect warranty insurances with a warranty period exceeding 10 years) have emerged. Since the computer system 110 of the present invention can identify various defect warranty insurances (including those conditional on the use of highly durable materials) provided by various defect warranty insurance companies based on information regarding Building X, it enables the user to comprehensively and cross - browse various defect warranty insurances provided by various defect warranty insurance companies. Furthermore, the user can, for example, consider defect warranty insurances (and their additional conditions) that are not currently applicable but become applicable by meeting additional conditions, and in order to apply such a defect warranty insurance (for example, a defect warranty insurance with a warranty period exceeding 10 years) to Building X, it is possible to determine which specific highly durable materials are required, where the highly durable materials need to be placed, and so on.

[0056] Note that at any timing after step S402, the computer system 110, based on the information about building X, identifies information about one or more defect warranty insurances not applicable to building X and one or more conditions necessary to make one or more defect warranty insurances not applicable to building X applicable to building X, and may execute a process for presenting the identified information about one or more defect warranty insurances not applicable to building X and the identified one or more conditions. For example, one or more defect warranty insurances whose one or more conditions necessary to be applicable to building X are below a predetermined threshold number (e.g., 1, 2, 3, etc.) can be identified. By presenting to the user defect warranty insurances (and their additional conditions) that are not applicable at present but can be made applicable by additionally meeting the conditions, the user can consider whether they can meet the conditions not currently met and can widen the range of defect warranty insurances that can be selected. The additional conditions necessary to be applicable but not applicable at present may include, for example, conditions regarding the type of highly durable materials (e.g., whether a specific highly durable material is used in building X), conditions regarding the location where highly durable materials are used (e.g., whether a highly durable material is used on the walls of building X, whether a highly durable material is used on the roof of building X, whether a highly durable material is used on the floor of building X), locations in building X that should be inspected or examined (e.g., whether the walls of building X have been inspected or examined within one year, whether the roof of building X has been inspected or examined within one year, whether the floor of building X has been inspected or examined within one year), conditions regarding whether to perform construction on deteriorated parts of building X, and the like. Information regarding the type and location of highly durable materials used in building X, information indicating the locations in building X that have been inspected or examined, and information indicating the locations where construction on deteriorated parts of building X is planned to be performed are received by the computer system 110 from the user device 1201, for example, prior to step S403 (e.g., in step S401 or after step S401).

[0057] In the embodiments shown in FIGS. 3 and 4, the defective guarantee insurance has been described. However, other insurances (e.g., earthquake insurance, equipment insurance, fire insurance, household property insurance, termite insurance) can be processed in the same manner.

[0058] In the embodiments shown in FIGS. 3 and 4, an example has been described in which the processor unit executes the program stored in the memory unit, thereby realizing the processing of each step shown in FIGS. 3 and 4. However, the present invention is not limited thereto. At least a part of the processing of each step shown in FIGS. 3 and 4 may be realized by a hardware configuration such as a control circuit.

[0059] As described above, the present invention has been illustrated using the preferred embodiments of the present invention. However, the present invention should not be construed as being limited to this embodiment. It is understood that the scope of the present invention should be construed only by the claims. Those skilled in the art will understand that they can implement an equivalent scope based on the description of the present invention and common technical knowledge from the description of the specific preferred embodiments of the present invention.

Industrial Applicability

[0060] The present invention is useful for providing a computer system, method, program, etc. for supporting an insurance service for a building, which enables a user to consider the defective guarantee insurance of the building when constructing a new building and / or when renewing the defective guarantee insurance of the building.

Explanation of Reference Numerals

[0061] 100 System 110 Computer System 1201~120 N User Device 130 Internet 140 Database Unit

Claims

1. A computer system for assisting in the insurance service of a building, the computer system comprising a processor unit, the computer system being connected to a database unit, wherein the database unit stores information about the building and information about warranty insurance, the information about the building including information for identifying the building (building ID) and information about the owner of the building, the information about the owner of the building including information for identifying the owner of the building (owner ID), the information about the building being identifiable by either the building ID or the owner ID, the information about the warranty insurance including application conditions for applying the warranty insurance to the building, and the processor unit is configured to receive an input of the information about the building, or receive the building ID and / or the owner ID, and identify the information about the building by referring to the database unit based on the building ID and / or the owner ID; refer to the database unit based on the information about the building and the application conditions to identify information about at least one warranty insurance applicable to the building; refer to the database unit based on the information about the building and the application conditions to identify information about one or more warranty insurances not applicable to the building and one or more conditions necessary to make the one or more warranty insurances not applicable to the building applicable to the building; execute a process for presenting information about the at least one warranty insurance applicable to the building; execute a process for presenting information about the one or more warranty insurances not applicable to the building and the one or more conditions A computer system configured to perform at least the above.

2. The information about the building includes information about at least one highly durable material used in the building. Based on the information about the building and the application conditions, referring to the database unit to identify information about at least one defect warranty insurance applicable to the building includes identifying at least one defect warranty insurance associated with the at least one highly durable material among the information about at least one defect warranty insurance applicable to the building. The computer system according to claim 1.

3. The information about the building includes information indicating that the building is newly constructed. Based on the information about the building and the application conditions, referring to the database unit to identify information about at least one defect warranty insurance applicable to the building includes identifying one or more defect warranty insurances associated with new construction among the information about at least one defect warranty insurance applicable to the building. The computer system according to claim 1.

4. The processor unit is further configured to receive a request for updating the defect warranty insurance currently applied to the building, and the request includes the building ID and / or the owner ID. The information about at least one defect warranty insurance applicable to the building is identified by referring to the database unit based on the building ID and / or the owner ID and the application conditions in response to receiving a request for updating the defect warranty insurance currently applied to the building. The computer system according to claim 1.

5. The information about the building includes information indicating the age of the building. Based on the information about the building and the application conditions, referring to the database unit to identify information about at least one defect warranty insurance applicable to the building includes identifying one or more defect warranty insurances associated with the age of the building among the information about at least one defect warranty insurance applicable to the building. The computer system according to claim 4.

6. The information about the building includes information indicating the repair history of the building. Identifying information on at least one latent defect warranty insurance applicable to the building by referring to the database unit based on the information on the building and the application conditions includes identifying information on at least one latent defect warranty insurance applicable to the building based on information indicating the repair history of the building. The computer system according to claim 4.

7. A method executed in a computer system for supporting an insurance service for a building, the computer system comprising a processor unit, the computer system being connected to a database unit, the database unit storing information on the building and information on latent defect warranty insurance, the information on the building including information for identifying the building (building ID) and information on the owner of the building, the information on the owner of the building including information for identifying the owner of the building (owner ID), the information on the building being identifiable by either the building ID or the owner ID, and the information on the latent defect warranty insurance including application conditions for applying the latent defect warranty insurance to the building. The method includes the processor unit receiving an input of information on the building or receiving the building ID and / or the owner ID, and identifying information on the building by referring to the database unit based on the building ID and / or the owner ID; the processor unit identifying information on at least one latent defect warranty insurance applicable to the building by referring to the database unit based on the information on the building and the application conditions; the processor unit identifying information on one or more latent defect warranty insurances not applicable to the building and one or more conditions necessary to make the one or more latent defect warranty insurances applicable to the building by referring to the database unit based on the information on the building and the application conditions; the processor unit executing a process for presenting information on the at least one latent defect warranty insurance applicable to the building; the processor unit executing a process for presenting information on the one or more latent defect warranty insurances not applicable to the building and the one or more conditions. A method including the above.

8. A program executed in a computer system for supporting building insurance services, wherein the computer system includes a processor unit, the computer system is connected to a database unit, and the database unit stores information regarding the building and information regarding warranty insurance. The information regarding the building includes information for identifying the building (building ID) and information regarding the owner of the building. The information regarding the owner of the building includes information for identifying the owner of the building (owner ID). The information regarding the building is identifiable by either the building ID or the owner ID. The information regarding the warranty insurance includes application conditions for applying the warranty insurance to the building. When the program is executed by the processor unit, receive an input of the information regarding the building, or receive the building ID and / or the owner ID, and identify the information regarding the building by referring to the database unit based on the building ID and / or the owner ID; refer to the database unit based on the information regarding the building and the application conditions, and identify information regarding at least one warranty insurance applicable to the building; refer to the database unit based on the information regarding the building and the application conditions, and identify information regarding one or more warranty insurances not applicable to the building and one or more conditions necessary to make the one or more warranty insurances not applicable to the building applicable to the building; execute a process for presenting information regarding the at least one warranty insurance applicable to the building; execute a process for presenting information regarding the one or more warranty insurances not applicable to the building and the one or more conditions A program that causes the processor unit to perform at least the above.

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