Terminal device, information processing method, program, relay server, and insurance business server

Abstract

A terminal device 20 collects sensing information used for selecting an insurance product and forwards the sensing information to a relay server 30. The relay server 30 anonymizes the sensing information acquired from the terminal device 20 and provides the result to an insurance service server 40. The insurance service server 40 generates insurance offer information indicating an insurance product selected on the basis of the anonymized sensing information and forwards the insurance offer information to the relay server 30. The relay server 30 transmits, to the terminal device 20 that originally provided the sensing information, the insurance offer information forwarded from the insurance service server 40. Thereby, a user can easily receive insurance product offers optimal for the activities, etc., of the user from one or more insurance companies without providing personal information, etc. Additionally, insurance companies can make detailed insurance product offers that conform to users.

Description

[Technical Field]

[0001] This technology relates to a terminal device, an information processing method, a program, a relay server, and an insurance business server, and enables a customer to receive proposals for optimal insurance products based on information that does not identify individuals. [Background technology]

[0002] Conventionally, in order for a user to conclude an insurance contract, it was necessary to research, select, and compare insurance products offered by each insurance company, which required time and effort. For this reason, Patent Document 1 discloses a computer system that proposes to a customer products or services that meet the customer's potential or inherent needs. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2019-139782 Summary of the Invention [Problem to be solved by the invention]

[0004] The computer system in Patent Document 1 identifies risks that a customer is concerned about based on the customer's personal information and answers to questions for the customer, and determines at least one product or service to be proposed to the customer based on the risks. Therefore, unless the customer provides personal information, the customer cannot receive proposals for insurance products.

[0005] Therefore, the present technology aims to provide a terminal device, an information processing method, a program, a relay server, and an insurance business server that allow users to receive proposals for optimal insurance products based on information that does not identify individuals. [Means for solving the problem]

[0006] The first aspect of this technology is a relay server that anonymizes sensing information used for selecting an insurance product and provides the anonymized sensing information to an insurance business server; and a communication unit that communicates with the insurance business server and sends insurance proposal information indicating the insurance product selected based on the anonymized sensing information. a user interface unit that presents the insurance proposal information notified from the insurance business server via the relay server to a user; a control unit that controls the operations of the communication unit and the user interface unit; The present invention relates to a terminal device comprising:

[0007] In this technology, the communication unit communicates with a relay server that anonymizes sensing information used to select an insurance product and provides it to an insurance business server, and the insurance business server that sends insurance proposal information indicating the insurance product selected based on the anonymized sensing information. The information collection unit that collects sensing information obtains information related to the user's physical activity as sensing information. The user interface unit presents the insurance proposal information notified from the insurance business server via the relay server to the user.

[0008] The control unit controls the operation of the communication unit and the user interface unit to send the sensing information of the user verified by the user authentication process to the relay server without including personal information. In addition, the control unit controls the communication unit to communicate with the insurance business server without going through the relay server in response to a user operation on the insurance proposal information presented by the user interface unit.

[0009] When the information collecting unit collects location information, the control unit sets the type of facility identified by the location information as sensing information. Furthermore, when the sensing information for a predetermined period has been collected, the control unit sends the sensing information to the relay server. Furthermore, after the contract for the insurance product proposed by the insurance proposal information is concluded, the control unit provides the sensing information to the insurance business server without going through the relay server, and presents the after-sales information regarding the insurance product after the contract is concluded, which is provided by the insurance business server after the contract is concluded, in the user interface unit.

[0010] The second aspect of this technology is a relay server that anonymizes sensing information used for selecting an insurance product and transfers it to an insurance business server, and a communication unit that communicates with the insurance business server that sends insurance proposal information indicating the insurance product selected based on the anonymized sensing information; notifying a user of the insurance proposal information notified from the insurance business server via the relay server by a user interface unit; The operation of the communication unit and the user interface unit is controlled by a control unit. The present invention relates to an information processing method including the steps of:

[0011] The third aspect of this technology is A program for causing a computer to purchase an insurance product, a step of anonymizing the sensing information used for selecting the insurance product and sending the sensing information to a relay server that transfers the anonymized sensing information to an insurance business server; a step of acquiring insurance proposal information, which indicates an insurance product selected based on the anonymized sensing information, from the insurance business server via the relay server; a step of notifying a user of the insurance proposal information notified from the insurance business server via the relay server by a user interface unit; a step of making an insurance contract with the insurance business server based on the insurance proposal information in response to a user operation; The program is executed by the computer.

[0012] The program of the present technology is, for example, a program that can be provided in a computer-readable format to a general-purpose computer capable of executing various program codes via a storage medium or communication medium, such as an optical disk, a magnetic disk, or a semiconductor memory, or a communication medium such as a network. By providing such a program in a computer-readable format, processing according to the program is realized on the computer.

[0013] The fourth aspect of this technology is a relay control unit that anonymizes sensing information supplied from a terminal device that collects sensing information used in selecting insurance products and provides the anonymized sensing information to one or more insurance business servers, and transfers insurance proposal information notified from the insurance business server in response to the anonymized sensing information being provided to the terminal device that provided the sensing information; The relay server is provided with:

[0014] The fifth aspect of this technology is A process for generating insurance proposal information based on sensing information provided from a relay server that anonymizes sensing information used to select insurance products and sending the information to the relay server, and an insurance business processing unit for performing insurance conclusion processing with a terminal device that has made a contract request based on the insurance proposal information. The insurance business server is provided with: [Brief explanation of the drawings]

[0015] [Figure 1] FIG. 1 is a diagram illustrating an example of the configuration of an insurance system. [Figure 2] FIG. 2 is a diagram illustrating a configuration of a terminal device. [Figure 3] 10 is a flowchart illustrating an insurance-related operation of the terminal device. [Figure 4] 10 is a flowchart illustrating an example of an operation of a relay server. [Figure 5] 10 is a flowchart illustrating an example of the operation of the insurance business server. [Figure 6] FIG. 10 is a sequence diagram illustrating an example of the operation of the insurance system. [Figure 7] FIG. 10 is a diagram showing an example (part 1) of an operation display of the terminal device. [Figure 8] FIG. 10 is a diagram showing an example (part 1) of an operation display of the insurance business server. [Figure 9] FIG. 10 is a diagram showing an example (part 2) of an operation display of the terminal device. [Figure 10] FIG. 10 is a diagram showing an example (part 2) of an operation display of the insurance business server. [Figure 11] FIG. 10 is a diagram showing an example (part 3) of an operation display of the terminal device. DETAILED DESCRIPTION OF THE INVENTION

[0016] Hereinafter, embodiments of the present technology will be described in the following order. 1. Structure of the insurance system 2. Insurance System Operation 2-1.Operation of terminal device 2-2. Relay server operation 2-3. Insurance business server operation 2-4. Example of insurance system operation 2-5.Other operations of the insurance system

[0017] <1. Structure of the insurance system> 1 illustrates an example of the configuration of an insurance system according to the present technology. In the insurance system 10, terminal devices 20-1, 20-2, etc. for each user, a relay server 30, and insurance business servers 40-A, 40-B, etc. for each insurance company are connected via a network 50.

[0018] The terminal device 20-1 includes a sensing unit 21 and an information processing unit 22. FIG. 2 illustrates an example of the configuration of the terminal device. The sensing unit 21 collects sensing information used to select an insurance product. The sensing information used to select an insurance product is information used to calculate insurance premiums corresponding to the coverage of the insurance product. For example, when selecting an insurance product aimed at improving health, the sensing information used includes vital signs such as heart rate, blood pressure, respiratory rate, oxygen saturation, and body temperature, as well as information indicating what activities were performed, how much location movement occurred, etc. The sensing unit 21 includes, for example, a vital sign measurement unit 211, a step count measurement unit 212, a behavior measurement unit 213, a positioning unit 214, a data storage unit 218, and a nearby communication processing unit 219 to collect the sensing information used to select an insurance product.

[0019] The vital sign measuring unit 211 measures vital sign information (for example, at least one of heart rate, blood pressure, respiratory rate, oxygen saturation, body temperature, etc.) of the user wearing the sensing unit 21 and stores it in the data storage unit 218.

[0020] The step counting unit 212 counts the number of steps taken by the user wearing the sensing unit 21, and stores the step counting result in the data storage unit 218.

[0021] The behavior measurement unit 213 measures the behavior (for example, walking, running, sports such as tennis or golf, or tasks performed in daily life) of the user wearing the sensing unit 21, and stores the behavior measurement results in the data storage unit 218.

[0022] The positioning unit 214 receives positioning signals transmitted from satellites or the like, beacon signals from access points, etc., measures the position of the sensing unit 21, and stores the position measurement results in the data storage unit 218.

[0023] The data storage unit 218 holds sensing information such as vital information, step count measurement results, behavior measurement results, position measurement results, etc. The sensing information held in the data storage unit 218 is read out by the near field communication processing unit 219.

[0024] The near field communication processing unit 219 performs wireless communication with the information processing unit 22 using near field communication technology (for example, Bluetooth (trademark) or NFC (Near field communication)). Based on the user authentication result notified from the information processing unit 22, the near field communication processing unit 219 reads out sensing information of the user of the terminal device 20-1 that has been verified as a pre-registered user from the data storage unit 218 and outputs the sensing information to the information processing unit 22.

[0025] The information processing unit 22 manages sensing information, presents insurance proposal information sent from insurance companies, processes contracts for proposed insurance products, etc. The information processing unit 22 includes, for example, an authentication unit 221, a positioning unit 222, a motion sensor unit 223, a near-field communication unit 225, a data storage unit 226, a communication unit 227, a user interface unit 228, and a control unit 229.

[0026] The authentication unit 221 performs authentication processing to verify whether the user of the terminal device 20-1 is a pre-registered user. The authentication unit 221 performs authentication processing using the user's knowledge information (e.g., ID and password, pre-registered answers to questions, personal identification number, etc.), possession information (e.g., one-time password and code table, etc.), and the user's biometric information (e.g., face and fingerprint information, iris information, vein information, etc.), and outputs the authentication result to the control unit 229. Note that the authentication unit 221 may also use the physical characteristics and behavioral characteristics of a person.

[0027] The positioning unit 222 receives positioning signals transmitted from satellites, etc., beacon signals from access points, etc., to measure the position, and stores the position measurement results indicating the position and changes in position of the information processing unit 22 in the data storage unit 226.

[0028] The motion sensor unit 223 is configured using an IMU (Inertial Measurement Unit), an acceleration sensor, etc. The motion sensor unit 223 detects the movement (for example, speed, acceleration, etc.) of the information processing unit 22 and stores the movement detection result in the data storage unit 226.

[0029] The near field communication unit 225 performs wireless communication with the sensing unit 21 using near field communication technology (for example, Bluetooth (trademark) or NFC (Near field communication)). If it is verified that the user is a pre-registered user based on the user authentication result in the authentication unit 221, the near field communication unit 225 collects sensing information of the verified user from the sensing unit 21.

[0030] The data storage unit 226 stores the sensing information collected from the sensing unit 21 , the position measurement results obtained by the positioning unit 222 , and the movement detection results obtained by the motion sensor unit 223 .

[0031] The communication unit 227 communicates with the relay server 30, which anonymizes sensing information used to select an insurance product and provides the anonymized information to the insurance business server, via the network 50. Anonymization means, for example, removing personal information directly related to the identification of an individual from data related to a specific individual. The communication unit 227 communicates with the insurance business server 40-A, etc., which generates and sends insurance proposal information based on the anonymized sensing information, via the network 50. The insurance proposal information is an insurance proposal product that is proposed to the user for the insurance product selected based on the anonymized sensing information, and indicates the product details of the insurance proposal product and contact information (e.g., a URL, email address, etc.) for signing a contract for the insurance proposal product.

[0032] The user interface unit 228 presents various information to the user and accepts user operations. For example, the user interface unit 228 has a display element and a touch panel on the display surface of the display element, forming a GUI (graphical user interface). The user interface unit 228 presents the insurance proposal information sent from the insurance business server 40-A or the like via the relay server 30 to the user. The user interface unit 228 also outputs an operation signal to the control unit 229 in response to the user operation.

[0033] The control unit 229 controls the operation of each unit of the information processing unit 22. Based on the authentication result of the authentication unit 221, the control unit 229 controls the near-field communication unit 225 and the communication unit 227 to collect sensing information from the sensing unit 21 to be used for selecting an insurance product and to send the collected sensing information to the relay server 30. The control unit 229 collects sensing information while the authentication state is continuing, and when the authentication state is no longer continuing, stops collecting sensing information or discards the collected sensing information so that sensing information of a different user, etc. is not collected. When the sensing information for a predetermined period (for example, a predetermined time unit, day unit, week unit, or month unit) has been collected, the control unit 229 sends the sensing information to the relay server 30 without including the user's personal information. The control unit 229 may also send the sensing information to the relay server 30 at any time. Furthermore, the control unit 229 controls the communication unit 227 to communicate with the insurance business server 40 without going through the relay server 30 in response to the presentation of insurance proposal information sent from the insurance business server 40-A or the like on the user interface unit 228 and user operations on the presented insurance proposal information, thereby performing processes such as contracting for the insurance product indicated by the insurance proposal information. After the conclusion of a contract for the insurance product proposed by the insurance proposal information, the control unit also performs a process of providing sensing information to the insurance business server 40 without going through the relay server 30, and a process of presenting, on the user interface unit 228, after-sales information related to the concluded contract for the insurance product, which is provided from the insurance business server 40 after the conclusion of the contract. The after-sales information will be described later.

[0034] 2, the configuration of the terminal device 20-1 is not limited to the configuration in which sensing information is acquired by the sensing unit 21 and the information processing unit 22. For example, the sensing unit 21 may be provided in the information processing unit 22, and the sensing information may be acquired only by the sensing unit 21. Furthermore, the terminal devices 20-2, ... may be configured in the same manner as the terminal device 20-1, or may have a configuration in which some of the terminal device 20-1 is omitted, or a configuration in which functional blocks not shown in the terminal device 20-1 are added.

[0035] Returning to FIG. 1 , the relay server 30 includes a relay control unit 31 and a database unit 32. The relay control unit 31 performs processing to anonymize sensing information acquired from the information processing unit 22 of the terminal devices 20-1, 20-2, etc. (hereinafter, the terminal device that collects sensing information and sends it to the relay server 30 will be described as the terminal device 20) and send it to the insurance business server 40-A or the like. When anonymizing the sensing information, the relay control unit 31 replaces, for example, identification information indicating the terminal device that provided the sensing information with relay identification information. Furthermore, the relay control unit 31 forwards insurance proposal information sent from the insurance business server 40-A or the like in response to providing the anonymized sensing information to the insurance business server 40-A or the like to the provider of the sensing information. When forwarding the insurance proposal information, the relay control unit 31 restores the relay identification information used in sending the insurance proposal information to the identification information, and forwards the insurance proposal information to the terminal device 20 that provided the sensing information.

[0036] The database unit 32 stores information indicating the correspondence between the identification information of the terminal device that is the provider of the sensing information and the relay identification information used when providing the anonymized sensing information to the insurance business server 40-A, etc. The database unit 32 may also hold the sensing information acquired from the terminal device 20. By holding the sensing information in this way, for example, the information processing unit 22 of the terminal device 20 does not need to hold the sensing information for a long period of time, and the sensing information for a period requested by the insurance business server 40-A, etc. can be anonymized and provided to the insurance business server 40-A, etc. from the relay server 30.

[0037] The insurance business server 40-A has an insurance business processing unit 41 and an insurance business database unit .

[0038] The insurance business processing unit 41 performs operations such as proposing insurance products, processing contracts, and sending follow-up information after a contract is concluded. For example, it generates insurance proposal information based on anonymized sensing information acquired from the relay server 30 and sends it to the relay server 30. When a contract request for an insurance product indicated in the insurance proposal information is sent from the user's terminal device 20, it communicates with the terminal device 20 without going through the relay server 30 and processes the insurance contract. Furthermore, the insurance business processing unit 41 acquires sensing information from the terminal device 20 used by the insured (the user who concluded the contract) after the insurance product contract is concluded without going through the relay server 30. The insurance business processing unit 41 generates follow-up information based on the acquired non-anonymized sensing information or the non-anonymized sensing information and already acquired anonymized sensing information, and sends it to the terminal device 20. The follow-up information is information generated by the insurance company in association with the contracted insurance product based on sensing information provided after, before, and after the conclusion of the contract, and notifies the insured. The insurance business processing unit 41 determines the risk of the insured person based on, for example, sensing information, and if the insured person's risk is lower than the assumed risk range, generates incentive information as after-sales information indicating discounts on insurance premiums, the provision of various products, the granting of points that can be used to purchase products, the granting of product discount coupons, etc. Furthermore, if the insured person's risk is higher than the assumed risk range, the insurance business processing unit 41 generates disadvantage notice information as after-sales information indicating disadvantages such as an increase in insurance premiums or inability to renew insurance.

[0039] The insurance business database unit 42 stores information regarding insurance products that can be proposed, insurance contract information (e.g., personal information of the insured person and information regarding the insurance products for which a contract has been concluded), sensing information of the insured person (e.g., sensing information before and after the contract is concluded), etc.

[0040] The insurance business servers 40-B, etc. may be configured in the same manner as the insurance business server 40-A, or may be configured to include functional blocks not shown in the insurance business server 40-A. (In the following, the insurance business server that generates insurance proposal information based on sensing information and sends it to the relay server 30 will be described as the insurance business server 40.)

[0041] <2. Insurance System Operation> When the terminal device 20 of the insurance system 10 is used by a user verified in the authentication process, it collects sensing information used to select an insurance product and sends it to the relay server 30 via the network 50.

[0042] The relay server 30 anonymizes the sensing information acquired from the terminal device 20 and provides it to the insurance business server 40. For example, the relay server 30 anonymizes the sensing information so that the source of the sensing information is not known to the insurance business server 40 and provides it to the insurance business server 40.

[0043] The insurance business server 40 selects the most suitable insurance product to propose based on the anonymized sensing information provided by the relay server 30, generates insurance proposal information regarding the selected insurance product, and sends it to the relay server 30.

[0044] The relay control unit 31 transfers the insurance proposal information sent from the insurance business server 40 in response to providing the anonymized sensing information to the insurance business server 40 to the terminal device 20 that provided the sensing information.

[0045] In this way, the insurance system 10 proposes an insurance product suitable for the user via the relay server 30 without the insurance company knowing which user's sensing information belongs to.

[0046] Furthermore, when signing a contract for the proposed insurance product, the insurance contract processing is performed by communicating between the terminal device 20 and the insurance business server 40 without going through the relay server 30. Furthermore, after the insurance contract is concluded, sensing information is provided from the terminal device 20 to the insurance business server 40 without going through the relay server 30. Furthermore, the insurance business server 40 performs after-sales processing based on the provided sensing information.

[0047] <2-1. Operation of terminal device> 3 is a flowchart illustrating an insurance-related operation of the terminal device. In step ST1, the terminal device displays consent to information collection. The information processing unit 22 of the terminal device 20 displays, for example, on the user interface unit 228, a message indicating that sensing information will be collected and anonymized before being provided to the insurance company. When a user operation is performed to consent to the provision of sensing information, the information processing unit 22 of the terminal device 20 proceeds to step ST2. Note that when a user operation is not performed to consent to the provision of sensing information, the insurance-related operation is terminated.

[0048] In step ST2, the terminal device performs authentication processing. The information processing unit 22 of the terminal device 20 verifies in the authentication unit 221 whether the user using the terminal device is a pre-registered user, and the process proceeds to step ST3.

[0049] In step ST3, the terminal device performs an authentication result notification process. The information processing unit 22 of the terminal device 20 notifies the sensing unit 21 of the authentication result of the authentication unit 221, and the process proceeds to step ST4.

[0050] In step ST4, the terminal device determines whether it is in an authenticated state. If the information processing unit 22 of the terminal device 20 is in an authenticated state in which the user using the terminal device 20 is verified as a pre-registered user, the process proceeds to step ST5, and if it is not in an unverified authenticated state, the insurance-related operation is terminated. Note that if it is determined that the terminal device is not in an authenticated state, the process may return to step ST2 and perform authentication processing.

[0051] In step ST5, the terminal device collects sensing information. If the authentication result notified from the information processing unit 22 indicates that the user has been verified, the sensing unit 21 of the terminal device 20 stores the sensing information collected by the sensing unit 21 in the data storage unit 226 of the information processing unit 22. The sensing unit 21 also stores sensing information generated by the motion sensor unit 223 and the like of the information processing unit 22 in the data storage unit 226, and proceeds to step ST6.

[0052] In step ST6, the terminal device sends the sensing information to the relay server. The information processing unit 22 of the terminal device 20 sends the sensing information stored in the data storage unit 226 to the relay server 30. The information processing unit 22 also sends the sensing information to the relay server 30 without including the user's personal information in the sensing information, and proceeds to step ST7. Note that personal information is information used to identify the user, such as name, age, sex, address, email address, telephone number, SNS account, etc.

[0053] In step ST7, the terminal device determines whether the insurance proposal information has been transferred from the relay server 30. If the information processing unit 22 of the terminal device 20 receives the insurance proposal information from the relay server 30, the process proceeds to step ST8; if not, the process returns to step ST4.

[0054] In step ST8, the terminal device performs insurance product contract processing. The information processing unit 22 of the terminal device 20 presents the received insurance proposal information to the user. The insurance proposal information includes information about the insurance product and information indicating the party to which the insurance product is to be contracted. When a user operation is performed to contract for insurance, the information processing unit 22 communicates with the insurance business server 40, which is the party to the contract for the desired insurance product, to exchange personal information and the like required for the insurance product contract without going through the relay server 30, and then proceeds to step ST9.

[0055] In step ST9, the terminal device determines whether a contract has been concluded. If a contract for the desired insurance product has been concluded based on the insurance proposal information, the information processing unit 22 of the terminal device proceeds to step ST10, and if a contract has not been concluded, the process ends.

[0056] In step ST10, the terminal device adds the insurance business server to the recipients of sensing information. The information processing unit 22 of the terminal device 20 adds the insurance business server 40 that signed the contract for the proposed insurance product to the recipients of sensing information. In this way, by adding the insurance business server 40 to the recipients of sensing information, sensing information can be provided to the insurance business server 40 that signed the insurance product contract without going through the relay server 30. Furthermore, by providing sensing information to the insurance business server 40 after the contract is signed, if follow-up information related to the signed insurance product is generated and sent by the insurance business server 40, the follow-up information is presented on the user interface unit 228. Furthermore, by continuing to provide sensing information to the relay server 30, insurance proposal information selected from other insurance companies can be received based on the sensing information collected after the contract is signed.

[0057] The flowchart shown in Fig. 3 is an example of the insurance-related operation of the terminal device, and may include processes not shown in Fig. 3. For example, when insurance renewal information is sent to the terminal device from the insurance business server 40 with which the contract was made, the terminal device 20 may perform processing to present the contents of the insurance renewal information to the user using the user interface unit 228 of the information processing unit 22.

[0058] <2-2. Relay Server Operation> 4 is a flowchart illustrating the operation of the relay server. In step ST21, the relay server acquires sensing information. The relay control unit 31 of the relay server 30 acquires the sensing information from the terminal device 20 and proceeds to step ST22. The relay server 30 may store the acquired sensing information in the database unit 32 for each terminal device. If the sensing information is stored in the database unit 32 for each terminal device in this way, for example, when the insurance business server 40 generates insurance proposal information, the sensing information for the period required is not accumulated in the terminal device 20 and then provided to the insurance business server via the relay server 30. Instead, the sensing information stored in the database unit 32 can be provided to the insurance business server when the sensing information for the required period has been stored, thereby reducing the amount of sensing information data held by the terminal device 20.

[0059] In step ST22, the relay server anonymizes the sensing information and provides it to the insurance business server. The relay control unit 31 of the relay server 30 anonymizes the sensing information acquired from the terminal device 20 and provides it to the insurance business server 40. Note that, for example, during anonymization, identification information indicating the terminal device that provided the sensing information is replaced with relay identification information. In this case, the relay control unit 31 associates the identification information with the relay identification information and stores them in the database unit 32. The relay control unit 31 may also read out sensing information for a period required for the insurance business server 40 to generate insurance proposal information from the database unit 32, anonymize the read sensing information, and provide it to the insurance business server.

[0060] In step ST23, the relay server 30 determines whether insurance proposal information has been sent. If insurance proposal information has been sent from the insurance business server 40 that provided the anonymized sensing information, the relay server 30 proceeds to step ST24, and if insurance proposal information has not been sent, the relay server 30 returns to step ST21.

[0061] In step ST24, the relay server performs a transfer process for the insurance proposal information. The relay control unit 31 of the relay server 30 transfers the insurance proposal information sent from the insurance business server 40 to the terminal device that provided the sensing information. The relay control unit 31, for example, restores the relay identification information used to send the insurance proposal information to the identification information, transfers the insurance proposal information sent from the insurance business server 40 to the terminal device of the identification information, and returns to step ST21.

[0062] The flowchart shown in FIG. 4 is an example of the operation of the relay server, and may include processing not shown in FIG.

[0063] <2-3. Insurance Business Server Operation> 5 is a flowchart illustrating the operation of the insurance business server. In step ST31, the insurance business server acquires sensing information from the relay server. The insurance business processing unit 41 of the insurance business server 40 acquires the anonymized sensing information from the relay server 30 and proceeds to step ST32.

[0064] In step ST32, the insurance business server performs processing to generate insurance proposal information. The insurance business processing unit 41 of the insurance business server 40 selects an insurance product to propose based on the sensing information from the insurance products stored in the insurance business database unit 42. Furthermore, the insurance business processing unit 41 generates insurance proposal information that indicates information about the selected insurance product as an insurance proposal product to be proposed to the user and contact information (e.g., a URL, an email address, etc.) for signing a contract for the insurance proposal product, and proceeds to step ST33.

[0065] In step ST33, the insurance business server performs processing for sending the insurance proposal information. The insurance business processing unit 41 of the insurance business server 40 sends the insurance proposal information generated in step ST32 to the relay server 30 using the relay identification information of the anonymized sensing information, and then proceeds to step ST34.

[0066] In step ST34, the insurance business server determines whether there is a contract request for the proposed insurance product. If there is no contract request for the proposed insurance product indicated by the insurance proposal information sent in step ST33, the insurance business processing unit 41 of the insurance business server 40 returns to step ST31, and if there is a contract request for the proposed insurance product, the insurance business processing unit 41 proceeds to step ST35.

[0067] In step ST35, the insurance business server performs contract processing for the proposed insurance product. The insurance business processing unit 41 of the insurance business server 40 communicates with the terminal device that has made the contract request for the proposed insurance product without going through the relay server 30. The insurance business processing unit 41 requests personal information and other information necessary for the insurance contract from the user of the terminal device that made the contract request, and after obtaining the necessary information from the user, determines whether to conclude the contract, and if so, obtains approval for the insurance contract from the user. Furthermore, the insurance business processing unit 41 associates personal information of the user who has concluded the insurance contract (hereinafter also referred to as the "insured person"), information regarding the contracted insurance product, and other information with the sensing information, stores it in the insurance business database unit 42, and proceeds to step ST36.

[0068] In step ST36, the insurance business server performs processing to acquire the sensing information. The insurance business processing unit 41 of the insurance business server 40 acquires the sensing information provided from the terminal device 20 used by the insured without going through the relay server 30. The insurance business processing unit 41 also associates the acquired sensing information with the insured's personal information, information on the contracted insurance product, etc., and proceeds to step ST37.

[0069] In step ST37, the insurance business server determines whether to notify after-sales follow-up information. The insurance business processing unit 41 of the insurance business server 40 determines the user's risk using sensing information acquired after the conclusion of the insurance contract, or sensing information acquired after the conclusion of the insurance contract and sensing information acquired before the conclusion of the insurance contract. For example, if the risk based on the sensing information is lower than the risk range assumed in the insurance product for which the insurance contract is concluded, the insurance business processing unit 41 generates after-sales follow-up information indicating that an incentive will be granted, etc., and if the risk is high, generates after-sales follow-up information indicating that the terms of insurance renewal will be unfavorable, etc. If the insurance business processing unit 41 has generated after-sales follow-up information, it proceeds to step ST38, and if it has not generated after-sales follow-up information, it proceeds to step ST39.

[0070] In step ST38, the insurance business server performs a notification process of the follow-up information. The insurance business processing unit 41 of the insurance business server 40 notifies the follow-up information to the terminal device 20 of the insured, and then the process proceeds to step ST39.

[0071] In step ST39, the insurance business server determines whether the contract has ended. If the contract period for the proposed insurance product contracted in step ST35 has expired, if the contract has not been renewed, or if the contract has been cancelled, the insurance business processing unit 41 of the insurance business server 40 determines that the contract has ended and returns to step ST31, or if the contract is still in progress, returns to step ST36.

[0072] The flowchart shown in FIG. 5 shows part of the operation of the insurance business server, and may include processing not shown in FIG.

[0073] <2-4. Example of insurance system operation> Fig. 6 is a sequence diagram showing an example of the operation of the insurance system. Figs. 7, 9, and 11 show examples of displaying the operation of a terminal device, and Figs. 8 and 10 show examples of displaying the operation of an insurance business server. Fig. 6 illustrates an example in which sensing information is provided to each of insurance business servers 40-A and 40-B, insurance proposal information is generated, and a contract is concluded for an insurance product indicated in the insurance proposal information generated by insurance business server 40-A.

[0074] In step ST51, the terminal device displays an information collection consent display. The information processing unit 22 of the terminal device 20 displays an information collection consent display on the user interface unit 228 so that the user can consent to the collection of sensing information. FIG. 7(a) shows an example of a display screen U1 of the information collection consent display. The display screen U1 is provided with a display U1a indicating that sensing information will be collected, a command button U1b to be operated if the user consents to the collection, and a command button U1c to be operated if the user does not consent to the collection. When the command button U1b is operated, the information processing unit 22 permits the collection of sensing information and proceeds to step ST52. When the command button U1c is operated, the information processing unit 22 ends its operation.

[0075] In step ST52, the terminal device performs authentication processing. The information processing unit 22 of the terminal device 20 verifies whether the user using the terminal device is a pre-registered user, and if the user is a registered user, displays an information provision consent display on the user interface unit 228. Figure 7(b) shows an example of a display screen U2 of the information provision consent display. The display screen U2 has a display U2a indicating that sensing information will be anonymized and provided, a command button U2b to be operated if the user agrees to the information provision, and a command button U2c to be operated if the user does not agree to the information provision. If the command button U2b is operated, the information processing unit 22 permits the provision of sensing information and proceeds to step ST53. Furthermore, the information processing unit 22 ends its operation if the user is not a registered user or if the command button U2c is operated.

[0076] In step ST53, the terminal device performs a process of providing the sensing information. The information processing unit 22 of the terminal device 20 sends the collected sensing information to the relay server 30 without including the user's personal information. In step ST54, the terminal device displays a message indicating that it is waiting to acquire insurance proposal information. The information processing unit 22 of the terminal device 20 displays on the user interface unit 228 that it is waiting to acquire insurance proposal information from the insurance company. (c) of FIG. 7 illustrates a display screen U3 indicating that it is waiting to acquire insurance proposal information. The display screen U3 has a message U3a indicating that it is waiting to acquire insurance proposal information. Also, on the display screen U3, a message U3b indicating that it is waiting to acquire insurance proposal information is shown in an inactive state (e.g., grayed out) that cannot be selected (operated).

[0077] In step ST55, the relay server 30 performs a process of providing the sensing information. The relay control unit 31 of the relay server 30 anonymizes the sensing information acquired from the terminal device 20 and provides it to, for example, the insurance business server 40-A of Company A and the insurance business server 40-B of Company B.

[0078] In step ST56, the insurance business server of company A performs insurance proposal processing. The insurance business server 40-A selects an insurance product to propose based on the anonymized sensing information provided by the relay server 30. Furthermore, the insurance business server 40-A generates insurance proposal information regarding the proposed insurance product and sends it to the relay server 30.

[0079] FIG. 8(a) illustrates a display screen V1 of sensing information displayed by the insurance business server 40-A. The display screen V1 of sensing information includes a display V1a indicating that sensing information has been provided and a link button V1b indicating the items of sensing information that can be acquired. When one of the link buttons V1b is operated, the insurance business server 40-A switches to a display screen showing the sensing information of the selected item. FIG. 8(b) illustrates a display screen V2 displayed when insurance proposal information is sent. The display screen V2 includes a display V2a indicating that insurance proposal information will be sent and a display V2b of the insurance proposal information to be sent (e.g., a link destination indicating a description of the proposed insurance product and the contract partner). The display screen V2 also includes a command button V2c to be operated if the user agrees to the sending of the insurance proposal information and a command button V2d to be operated if the user does not agree to the sending of the insurance proposal information. When the command button V2c is operated, the insurance business processing unit 41 of the insurance business server 40 sends the insurance proposal information to the relay server 30. Furthermore, when the command button V2d is operated, the insurance business processing unit 41 ends the insurance proposal process.

[0080] For example, sensing information may include vital signs (pulse and heart rate), step count data, behavioral data, etc. Company A places emphasis on continuing moderate daily exercise over the long term, and, taking into consideration that the average number of steps per day is high (plus pulse rate rising moderately while walking) and that this has been continued for one month, will set the monthly fee for health promotion insurance at A, AAAA yen.

[0081] In step ST57, the insurance business server of company B performs insurance proposal processing. Similar to the insurance business server 40-A, the insurance business server 40-B selects an insurance product to propose based on the provided anonymized sensing information. Furthermore, the insurance business server 40-B generates insurance proposal information regarding the proposed insurance product and sends it to the relay server 30.

[0082] For example, the sensing information may further include location information. Since location information makes it possible to identify individuals from the location information, when location information is collected, the type of facility identified by the location information is used as sensing information. Company B places importance on moderately strenuous exercise, and, taking into consideration behavioral data indicating that the individual exercises at a fitness center on the weekend, and the sensing information indicating that the individual exercises at a high level of strenuous exercise based on a high pulse rate at that location, the health promotion insurance may be offered at a monthly premium of b or bbb yen.

[0083] In step ST58, the relay server 30 performs a process of transferring the insurance proposal information. When the insurance proposal information is sent from the insurance business server in response to the provision of the anonymized sensing information, the relay server 30 transfers the sent insurance proposal information to the provider of the sensing information.

[0084] In step ST59, the terminal device performs processing to present the insurance proposal information. The information processing unit 22 of the terminal device acquires the insurance proposal information sent from the insurance business server 40 via the relay server 30, and presents the acquisition of the insurance proposal information to the user via the user interface unit 228. Figure 7(d) shows an example of an insurance proposal information acquisition notification display screen U4. The display screen U4 has a display U4a indicating that the insurance proposal information is waiting to be acquired, and a display U4b indicating that the insurance proposal information has been acquired. When the insurance proposal information is acquired, the display U4b is switched from an inactive state (a state in which selection (operation) is not possible) to an active state (a state in which selection (operation) is possible).

[0085] When the command button U4b is operated, the information processing unit 22 displays the acquired insurance proposal information on the user interface unit 228. Figure 9(a) shows an example of a display screen U5 of insurance proposal information. The display screen U5 has a display U5a instructing the user to confirm the insurance details, a display U5b of insurance proposal information for each company, a command button U5c for signing up for the proposed insurance product, and a command button U5d for not signing up for the proposed insurance product.

[0086] In step ST60U, the terminal device performs contract processing. The terminal device 20 displays the contract screen when the command button U5c on the presentation screen display U5 shown in Figure 9(a) is operated. Furthermore, when the command button U5d is operated, the terminal device 20 does not perform contract processing.

[0087] 9(b) shows an example of the contract initiation display screen U6. The display screen U6 includes a display U6a indicating that an insurance contract will be initiated, radio buttons U6b showing insurance proposal information for selecting a proposed insurance product, a command button U6c for signing up for the insurance product selected with the radio button, and a command button U6d for returning to the previous screen. The terminal device 20 performs the insurance contract procedure when the command button U6c is operated after an insurance product is selected with the radio button.

[0088] 9(c) shows an example of a display screen for insurance contract procedures. The display screen U7 for insurance contract procedures includes an input instruction display U7a for personal information and the like required for the insurance contract, an input field display U7b for information required for the contract of the selected insurance product, a command button U7c for sending the input personal information and the like to the insurance company, and a command button U7d for returning to the previous screen. The information processing unit 22 of the terminal device 20 accepts input of personal information and the like into the input field display U7b. Furthermore, when the command button U7c is operated, the information processing unit 22 provides the input personal information and the like to the insurance business server of the insurance company selected by the radio button.

[0089] In step ST60A, the insurance business server performs contract processing. The insurance business server 40 performs contract procedures using the information sent from the terminal device by providing insurance proposal information. Figure 10 shows an example of a display screen V3 for the insurance contract procedures performed for the administrator of the insurance business server 40.

[0090] The display screen V3 for insurance contract procedures includes a confirmation prompt display V3a for personal information required for the insurance contract, an information display V3b showing insurance proposal information and personal information from the terminal device, and a command button V3c for concluding an insurance contract with the user of the terminal device. The insurance business processing unit 41 concludes the insurance contract when the information required for the insurance contract is provided and, for example, an administrator of the insurance business server 40 operates the command button V3c. Furthermore, when a contract is concluded, the insurance business processing unit 41 stores in the insurance business database unit 42 the personal information of the user (insured person) who concluded the contract, the insurance product for which the contract was concluded, sensing information provided from the insured person's terminal device after the contract was concluded, sensing information used to generate the insurance proposal information, etc. Furthermore, the insurance business processing unit 41 notifies the terminal device that sent the personal information, etc., that the contract has been concluded, and the terminal device 20 presents a notice of the conclusion of the contract to the insured person. Figure 11 illustrates a display screen U8 indicating the completion of the contract, which is presented to the insured person.

[0091] The display screen U8 displays a completion display U8a of the contract procedure, a display U8b of information about the insurance product for which the contract has been concluded, and a command button U8c for ending the procedure. When the command button U7c is operated, the information processing unit 22 of the terminal device ends the contract process and proceeds to step ST61.

[0092] The terminal device may perform biometric authentication when concluding an insurance contract to confirm that the user who provided the sensing information is the same as the user concluding the insurance contract. The insurance contract procedure may also be performed by exchanging written documents between the user and the insurance company that sent the insurance proposal information.

[0093] In step ST61, the terminal device performs processing to provide sensing information that can identify the insured. The information processing unit 22 of the terminal device 20 clarifies which insured the collected sensing information belongs to, and provides the sensing information that can identify the insured to the insurance business server of the insurance company that concluded the insurance contract without going through the relay server 30.

[0094] In step ST62, the insurance business server 40-A performs an after-care process. The insurance business server 40-A generates after-care information based on the sensing information provided from the terminal device 20 of the insured person, and notifies the terminal device 20 of the generated information.

[0095] For example, if the user's activity level has decreased since the time of contract signing and the risk has increased beyond the risk range at the time of contract signing, the insurance business server 40-A generates follow-up information indicating that insurance renewal will be unfavorable, such as an increase in premiums upon contract renewal or the inability to renew the insurance contract. Furthermore, if the user's activity level has increased since the time of contract signing and the risk has decreased beyond the risk range at the time of contract signing, the insurance business processing unit 41 generates follow-up information indicating the provision of incentives, such as discounts on insurance premiums or points that can be used to purchase various products. The follow-up information may be notified at predetermined intervals from the time of contract signing. In this case, for example, if the user's activity level is the same as at the time of contract signing and the risk is within the range at the time of contract signing, the follow-up information may also notify the user of this.

[0096] For example, the after-care information will inform you that the health promotion insurance contract you have signed costs aaaa yen per month, that sensing information is provided continuously, that your average number of steps per day is high (+ your pulse rate is moderately elevated while walking), and that if this continues for three months, the monthly fee will be (aaaa-cccc) yen.

[0097] In step ST63, the terminal device performs processing for presenting the follow-up information. The information processing unit 22 of the terminal device 20 acquires the follow-up information sent from the insurance business server 40-A, and presents it to the insured person via the user interface unit 228.

[0098] 3 to 5 and the sequence diagram of FIG. 6 are merely examples and may include processes not shown in the figures. Furthermore, the displays of the user interface unit 228 are not limited to the operational display examples of FIGS. 7 to 11, and other displays may be used as long as the user can grasp the sent information, etc., and some displays may be omitted or displays not shown may be used. For example, the display of FIG. 7(c) may be omitted, and when insurance proposal information is acquired, the display shown in FIG. 7(d) may be displayed.

[0099] In this way, the insurance system of the present invention allows users to easily receive proposals for insurance products that are optimal for their activities, etc. from one or more insurance companies without providing personal information, etc. Therefore, users can select and sign a contract for the optimal insurance product without spending time and effort. Furthermore, insurance companies can personalize insurance products that previously had the same uniform conditions to suit each user, enabling them to provide more tailored products.

[0100] Furthermore, when an insurance contract is concluded, the insured's personal information, etc. is provided from the terminal device to the insurance business server, so that the insurance business server can reliably obtain the information necessary for the insurance contract. Furthermore, after the insurance contract is concluded, the sensing information collected by the terminal device is provided to the insurance business server that concluded the contract without being anonymized, so that the insurance business server can present the insured with follow-up information according to the insured's activities, etc.

[0101] <2-5. Other operations of the insurance system> The sensing information used to select the insurance product proposal may be different for each insurance business server. In this case, the necessary sensing information is registered in advance in the relay server, and the sensing information acquired from the terminal device is selected and sent to the insurance business server, thereby enabling efficient relay of the sensing information.

[0102] Furthermore, in the above-described embodiment, an insurance system that proposes health promotion insurance optimal for a user's physical activity is exemplified, but the insurance system is not limited to proposing health promotion insurance. For example, the insurance system can propose sports insurance, leisure insurance, etc. by collecting sensing information indicating physical activity information and the type of facility used by a terminal device and providing the information to an insurance business server via a relay server. Furthermore, the insurance system can propose automobile insurance, motorcycle insurance, etc. by collecting sensing information indicating a user's driving operation and the behavior of a vehicle in response to the driving operation, etc., and providing the information to an insurance business server via a relay server.

[0103] The series of processes described in this specification can be executed by hardware, software, or a combination of both. When executing processes by software, a program recording the processing sequence is installed in the memory of a computer incorporated in dedicated hardware and executed. Alternatively, the program can be installed and executed on a general-purpose computer capable of executing various processes.

[0104] For example, the program can be pre-recorded on a recording medium such as a hard disk, a solid state drive (SSD), or a read-only memory (ROM). Alternatively, the program can be temporarily or permanently stored (recorded) on a removable recording medium such as a flexible disk, a compact disc read-only memory (CD-ROM), a magneto-optical (MO) disk, a digital versatile disc (DVD), a Blu-Ray Disc (BD (registered trademark)), a magnetic disk, or a semiconductor memory card. Such removable recording media can be provided as so-called packaged software.

[0105] In addition to being installed on a computer from a removable recording medium, the program may also be transferred wirelessly or by wire from a download site to a computer via a network such as a WAN (Wide Area Network) typified by cellular, a LAN (Local Area Network), or the Internet. The computer can receive the program transferred in this manner and install it on a recording medium such as a built-in hard disk.

[0106] Note that the effects described in this specification are merely examples and are not limiting, and additional effects not described may exist. Furthermore, the present technology should not be interpreted as being limited to the above-described embodiments. The embodiments of this technology disclose the present technology in the form of examples, and it is obvious that a person skilled in the art can modify or substitute the embodiments without departing from the gist of the present technology. In other words, the scope of the claims should be taken into consideration when determining the gist of the present technology.

[0107] Furthermore, the terminal device of the present technology can also have the following configuration. (1) a relay server that anonymizes sensing information used to select an insurance product and provides the anonymized sensing information to an insurance business server; and a communication unit that communicates with the insurance business server and sends insurance proposal information indicating the insurance product selected based on the anonymized sensing information. a user interface unit that presents the insurance proposal information notified from the insurance business server via the relay server to a user; a control unit that controls the operations of the communication unit and the user interface unit; A terminal device comprising: (2) The control unit controls the communication unit to communicate with the insurance business server without going through the relay server in response to user operations on the insurance proposal information presented by the user interface unit. (3) The terminal device described in (2) in which, after concluding a contract for an insurance product proposed by the insurance proposal information, the control unit provides the sensing information to the insurance business server without going through the relay server. (4) The terminal device according to (3), wherein the control unit presents, on the user interface unit, after-sales information regarding the insurance product for which the contract has been concluded, provided by the insurance business server after the conclusion of the contract. (5) The terminal device according to any one of (1) to (4), wherein the control unit sends the sensing information of the user verified by user authentication processing to the relay server. (6) The terminal device according to any one of (1) to (4), wherein the control unit sends the sensing information to the relay server without including personal information of the user in the sensing information. (7) An information collecting unit that collects the sensing information, The terminal device according to any one of (1) to (6), wherein the information collection unit acquires information relating to the user's physical activity as the sensing information. (8) The terminal device according to (7), wherein when the information collecting unit collects location information, the control unit sets the type of facility identified by the location information as the sensing information.

[0108] The present technology can also include the following insurance systems: a terminal device that collects sensing information used to select an insurance product; an insurance business server that generates insurance proposal information based on the sensing information; a relay server that relays information communication between the terminal device and the insurance business server; The terminal device a communication unit that communicates between the relay server and the insurance business server; a user interface unit that presents the insurance proposal information notified from the insurance business server via the relay server to a user; a control unit that controls operations of the communication unit and the user interface unit, The relay server a relay control unit that anonymizes the sensing information supplied from the terminal device and provides the anonymized sensing information to an insurance business server, and transfers insurance proposal information notified from the insurance business server in response to the anonymized sensing information being provided to the insurance business server to the terminal device that provided the sensing information; The insurance business server The insurance business processing unit includes a process for generating insurance proposal information based on the sensing information supplied from the relay server and sending the information to the relay server, and an insurance business processing unit for performing insurance conclusion processing with a terminal device to which a contract request has been made based on the insurance proposal information. Insurance system. [Explanation of symbols]

[0109] 10. Insurance System 20, 20-1, 20-2... Terminal device 21 Sensing unit 22. Information Processing Section 30 Relay Server 31 Relay control section 32 Database section 40, 40-A, 40-B... Insurance business server 41 Insurance Business Department 42 Insurance Business Database Department 50···Network 211 Vital Signs Measurement Unit 212···Step counter 213···Behavioral Measurement Department 214,222···Positioning unit 218,226···Data Storage Section 219....Proximity communication processing unit 221 Authentication Section 223 Motion sensor unit 225 Near field communication unit 227···Communications Department 228 User Interface Section 229 Control Unit

Claims

1. a relay server that anonymizes sensing information used for selecting an insurance product and provides the anonymized sensing information to an insurance business server; and a communication unit that communicates with the insurance business server and sends insurance proposal information indicating the insurance product selected based on the anonymized sensing information. a user interface unit that presents the insurance proposal information notified from the insurance business server via the relay server to a user; a control unit that controls the operations of the communication unit and the user interface unit; Equipped with The control unit controls the communication unit to communicate with the insurance business server without going through the relay server in response to a user operation on the insurance proposal information presented by the user interface unit, and controls the communication unit to provide the sensing information to the insurance business server without going through the relay server after a contract for an insurance product proposed by the insurance proposal information is concluded. Terminal device.

2. The control unit presents, on the user interface unit, follow-up information regarding the insurance product for which the contract has been concluded, which is provided from the insurance business server after the conclusion of the contract. The terminal device according to claim 1 .

3. The control unit sends the sensing information of the user verified by the user authentication process to the relay server. The terminal device according to claim 1 .

4. The control unit sends the sensing information to the relay server without including personal information of the user in the sensing information. The terminal device according to claim 1

5. An information collection unit that collects the sensing information, The information collecting unit acquires information regarding the physical activity of the user as the sensing information. The terminal device according to claim 1 .

6. When the information collecting unit collects location information, the control unit sets a type of facility identified by the location information as the sensing information. The terminal device according to claim 5.

7. The control unit transmits the sensing information to the relay server when the sensing information for a predetermined period has been collected. The terminal device according to claim 1 .

8. A relay server that anonymizes sensing information used to select an insurance product and transfers it to an insurance business server, and a communication unit that communicates with the insurance business server that sends insurance proposal information indicating the insurance product selected based on the anonymized sensing information; notifying a user of the insurance proposal information notified from the insurance business server via the relay server by a user interface unit; A control unit controls the operations of the communication unit and the user interface unit, controls the communication unit to communicate with the insurance business server without going through the relay server in response to a user operation on the insurance proposal information presented by the user interface unit, and controls the communication unit to provide the sensing information to the insurance business server without going through the relay server after a contract for an insurance product proposed by the insurance proposal information is concluded. An information processing method including:

9. A program for causing a computer to purchase an insurance product, a step of anonymizing the sensing information used for selecting the insurance product and sending the sensing information to a relay server that transfers the anonymized sensing information to an insurance business server; a step of acquiring insurance proposal information, which indicates an insurance product selected based on the anonymized sensing information, from the insurance business server via the relay server; a step of notifying a user of the insurance proposal information notified from the insurance business server via the relay server by a user interface unit; a step of making an insurance contract with the insurance business server based on the insurance proposal information in response to a user operation; a step of communicating with the insurance business server without going through the relay server in response to a user operation on the insurance proposal information presented by the user interface unit; a step of providing the sensing information to the insurance business server without going through the relay server after concluding a contract for the insurance product proposed based on the insurance proposal information; A program for causing the computer to execute the above.

10. A relay control unit that anonymizes sensing information supplied from a terminal device that collects sensing information used to select insurance products, provides the anonymized sensing information to one or more insurance business servers, and transfers insurance proposal information notified by the insurance business servers in response to the anonymized sensing information being provided to the terminal device that provided the sensing information. Equipped with The relay control unit replaces identification information indicating a terminal device that has collected the sensing information with relay identification information in the anonymization. Relay server.

11. The relay control unit restores the relay identification information used to notify the insurance proposal information to the identification information, and transfers the insurance proposal information to the terminal device that provided the sensing information. The relay server according to claim 10.

12. The sensing information used for selecting the insurance product is selected and provided for each insurance business server from the supplied sensing information. The relay server according to claim 10.

13. A process for generating insurance proposal information based on sensing information provided from a relay server that anonymizes sensing information used to select insurance products and sending the information to the relay server; and an insurance business processing unit for performing insurance conclusion processing with a terminal device to which a contract request has been made based on the insurance proposal information. Equipped with The insurance business processing unit selects an insurance proposal product based on the sensing information and generates the insurance proposal information indicating the insurance proposal product and the insurance contract partner. Insurance business server.

14. The insurance business processing unit generates follow-up information regarding the insurance product for which an insurance contract has been concluded based on sensing information supplied from a terminal device of the user who has concluded an insurance contract based on the insurance proposal information, and sends the information to the terminal device of the user who has concluded the insurance contract. The insurance business server according to claim 13.

15. The insurance business processing unit generates follow-up information indicating that an incentive will be granted when the risk based on the sensing information is lower than the risk range assumed in the insurance product for which the insurance contract has been concluded, and generates follow-up information indicating that the conditions for insurance renewal will be unfavorable when the risk is high.

15. The insurance business server according to claim 14.

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