Circular integrated service delivery system, method, and program

Abstract

We will build a circular integrated service platform and provide a circular integrated service provision system that allows for the transfer of point rewards based on the social contribution score held by a non-life insurance policyholder when that policyholder dies in a car accident. [Solution] The cyclical integrated service provision system 4 according to the present invention is equipped with a function for member terminals 1 to receive cyclical integrated services including a family-linked service in which at least one member terminal 1 shares a social contribution score indicating the insured's level of social contribution. The management server 7 is equipped with a family-linked management unit 30, and the family-linked management unit 30 is characterized in that, when the accident reception center terminal 9 receives a traffic accident notification from the drive recorder 3 and the insured dies, the family member who is the heir applies for a death benefit claim and also transfers the benefits of the social contribution score held by the insured from the insured to the family member.

Description

Technical Field

[0001] The present invention relates to a circulation integration service providing system and its program, and more particularly to a circulation integration service providing system suitable for a family member to inherit the point privilege of the social contribution score held by the insured person who died in a car accident when the insured person of the liability insurance dies.

Background Art

[0002] Compensation for car accidents in general automobile insurance will be described. Conventionally, when a car accident occurs, the insured immediately contacts the accident reception center. The accident reception center is a service intermediary institution established throughout Japan by the liability insurance company as a contact point for the insured to receive compensation. The accident reception center receives a notice from the insured that a reason for receiving compensation has occurred, and the insured further makes a request to the effect of requesting the provision of services according to the situation. In response, the accident reception center searches for whether the insured can receive a guarantee service, and the content and amount of the guarantee service, that is, searches for the life and death of the insurance contract and the guarantee content such as compensable services and insurance amounts when the insured is alive. In the case of automobile insurance, it is searched whether the automobile insurance of the insured is within the contract period, and if it is within the contract period, whether services such as accident-related expenses and substitute car expenses required for vehicle transportation and repair are included as a special contract in the collateral item, and further, if the special contract is included, the insurance amount thereof is searched.

[0003] When the accident reception center obtains the search result of the guarantee content, it selects a service provider capable of providing the guarantee service based on the search result. For example, if vehicle transportation or repair is required, an automobile repairer or a road assistance provider is selected; if a substitute car is required, a car rental company is selected; if accommodation is required, a hotel company is selected; if transportation is required, a taxi company is selected; if it is necessary to store the immobilized car, a parking lot management company or the like is selected.

[0004] The accident reporting center may use the insured's current location as one of its search criteria. In other words, the service provider that can reach the insured's current location as quickly as possible and at the lowest cost is the one that can reach the insured's current location the fastest, which is usually the service provider located closest to the insured's current location. Needless to say, this does not apply to service providers with branches in various locations, such as nationwide road assistance companies. The number of service providers to search can be freely set to one or more, but searching for multiple providers allows for responses in cases of business closures or scheduling conflicts.

[0005] The insured person's current location can be detected using the smartphone's location tracking service (GPS).

[0006] Some insurance products include special clauses that cover the cost of towing vehicles for repair and the cost of a replacement vehicle during the repair period. However, even designated repair shops may not own towing vehicles or replacement vehicles. In such cases, towing and replacement vehicle services are outsourced, resulting in higher insurance payouts. Furthermore, if there are no designated repair shops near the accident site, the insured may choose an auto repair shop, which can lead to inflated towing and replacement vehicle charges, resulting in higher insurance payouts.

[0007] If the insured person dies after causing a car accident, the arrangement of a replacement vehicle is no longer necessary, but accident response will still be carried out, such as towing the damaged vehicle. After the post-accident processing is completed, if the insurance policyholder (premium payer) and the insured person are the same, the heir will file an insurance claim and receive the death benefit from the non-life insurance (Patent Document 1). Many non-life insurance companies offer services that provide point rewards to policyholders in insurance transactions in order to increase the number of policyholders (Patent Document 2). [Prior art documents] [Patent Documents]

[0008] [Patent Document 1] Patent No. 7165852 [Patent Document 2] Japanese Patent Publication No. 2002-109233 [Overview of the project] [Problems that the invention aims to solve]

[0009] While Patent Document 1 provides support for various insurance procedures when an insurance policyholder dies or is unable to express their wishes due to dementia or brain dysfunction, it has the challenge of not being able to offer an attractive insurance product that would increase the added value of the insurance contract itself and increase the number of insurance policyholders.

[0010] While Patent Document 2 does have a certain effect in reducing the cancellation rate in insurance transactions, it does not anticipate the provision of point rewards that can be passed on to family members, and it does not consider the transfer (inheritance) of point rewards that can be used by family members even after the death of the insured.

[0011] To solve the aforementioned problems, the object of the present invention is to construct a circular integrated service platform and provide a circular integrated service provision system, method, and program that allows a deceased insured person to inherit point rewards based on their social contribution score when they die in a car accident. [Means for solving the problem]

[0012] The circular integrated service provision system according to the first invention of the present invention is A circular integrated service provision system operated by the insured. Member terminal, accident reception center terminal, and installed in the vehicle in which the insured person is riding. 、 The accident reception center terminal is equipped with a drive recorder that notifies the occurrence of a traffic accident, and a management server, and the member terminal is, It includes a family registration function for accepting registration of family members of the insured person, and a score sharing setting function for accepting sharing settings for sharing the social contribution score, which indicates the insured person's level of social contribution, with family members. The aforementioned management server The system has a database that stores family member information regarding family members received through the family registration acceptance function, social contribution score information associated with the insured, and automobile insurance contract information. The accident reception center terminal receives a notification of a traffic accident from the aforementioned drive recorder. afterWhen the insured person dies to a family member who is the heir by claims for the death insurance benefit Upon acceptance of the application, the management server registers the inheritance of the social contribution score benefit information associated with the insured person, which is stored in the database, by associating it with the family member who is the heir. This is the gist of the invention

[0013] The integrated circulation service according to the second invention of the present invention is, in the first invention ,before the integrated circulation service described , medicine has a medical check-up service, a score confirmation service, and a point reduction service implied The management server includes a medical check-up cooperation unit that provides the medical check-up service, a score management unit that provides the score confirmation service, and a point management unit that provides the point reduction service. The database includes medical check-up information, health check scores, score confirmation information, personality scores, and point reduction information Store This is the gist of the invention

[0014] The method for providing an integrated circulation service according to the third aspect of the present invention A circular integrated service provision method, wherein the member terminal accepts registration of family members of the insured person and accepts the setting for sharing the insured person's social contribution score, is performed On the management server, the family member information based on the registration acceptance, the social contribution score information associated with the insured, and the automobile insurance contract information are stored in the database. when the reception center terminal receives a traffic accident occurrence notification from the drive recorder after When the insured person dies to a family member who is the heir by claims for the death insurance benefit Upon acceptance of the application, the management server registers the inheritance of the social contribution score benefit information associated with the insured person, which is stored in the database, by associating it with the family member who is the heir. This is the gist of the invention

[0015] The integrated circulation service provided according to the fourth aspect of the present invention program is a computer of , A family registration function that accepts registration of family members of the insured, a score sharing setting function that accepts settings for sharing the social contribution score of the insured, a function to store family member information based on the registration, social contribution score information associated with the insured, and automobile insurance contract information in a database, and when the reception center terminal But receives a traffic accident occurrence notification from the drive recorder after When the insured person dies to a family member who is the heir by claims for the death insurance benefit Once the application is accepted, the system will function to register the benefits information of the social contribution score associated with the insured person, which is stored in the database, as an inheritance registration associated with the family member who is the heir. .

Advantages of the Invention

[0016] According to the present invention having the configuration described above, it is possible to construct a circulation integration service platform, and when an insured person of property insurance dies in a car accident or an accident, it is possible to realize a circulation integration service providing system, method, and program capable of inheriting point benefits based on the social contribution score held by the deceased insured person.

Brief Description of the Drawings

[0017] The drawings show specific embodiments of the present invention according to the present disclosure, including not only essential configurations of the invention but also optional and preferred embodiments. [Figure 1] FIG. 1 is a schematic configuration block diagram of a communication network including a circulation integration service providing system to which the present invention is applied. [Figure 2] FIG. 2 is a diagram for explaining data processing between the member terminal 1 and the management server 7 in the circulation integration service providing system according to an embodiment of the present invention. FIG. 2(a) is a diagram showing the connection state between the member terminal 1 and the management server 7, FIG. 2(b) is a diagram showing an example of the display of the main menu screen of the circulation integration service providing application, and FIG. 2(c) is a schematic functional block diagram of the main part of the circulation integration service providing system. [Figure 3] FIG. 3 is a conceptual diagram for explaining characteristic substitute car providing control of the present invention. [Figure 4] FIG. 4 is a diagram showing an example of a substitute car station. [Figure 5] FIG. 5 is a schematic flowchart of substitute car arrangement and transportation processing for compensation response in automobile insurance. [Figure 6] FIG. 6 is a diagram showing an example of the top menu screen of the circulation integration service providing application of the present invention. [Figure 7] FIG. 7 is a diagram showing an example of the dashboard of the circulation integration service providing application. [Figure 8] FIG. 8 is a diagram showing an example of the substitute car use menu screen when the substitute car use tab in FIG. 7 is pressed. [Figure 9] FIG. 9 is a diagram showing an example of the medical checkup menu screen when the medical checkup tab in FIG. 7 is pressed. [Figure 10]Figure 10 shows an example of the score confirmation menu screen that appears when the score confirmation tab in Figure 7 is clicked. [Figure 11] Figure 11 shows an example of the resale and purchase menu screen when the resale and purchase tab in Figure 7 is clicked. [Figure 12] Figure 12 shows an example of the points reward menu screen that appears when the points reward tab in Figure 7 is clicked. [Figure 13] Figure 13 shows the flowchart for handling an accident. [Figure 14] Figure 14 shows the processing flowchart for the system change steps based on the health check score (HS). [Figure 15] Figure 15 shows the processing flowchart for the return step based on the Social Contribution Score (GP). [Figure 16] Figure 16 shows the processing flowchart for the resale upgrade step. [Figure 17] Figure 17 shows the family score linkage and reward step processing flowchart. [Figure 18] Figure 18 shows the processing flowchart for the AI ​​suggestion / action guidance step. [Figure 19] Figure 19 shows an example of the family linking menu screen when the family linking tab in Figure 7 is clicked. [Figure 20] Figure 20 is a flowchart illustrating the process for transferring points and benefits in automobile insurance policies during inheritance. [Modes for carrying out the invention]

[0018] The embodiments illustrated below, applying the present invention, will be described with reference to the drawings.

[0019] <Embodiment> <Overview of Embodiments>

[0020] The embodiments will be described in detail below with reference to the attached drawings. In this example, publicly known technologies will not be explained. Furthermore, the structures and methods described are illustrative examples for realizing the technical idea of ​​the invention, and the technical idea of ​​the present invention is not limited to those described below. The technical idea of ​​the present invention can be modified in various ways within the scope of the claims. In particular, it should be noted that the drawings are schematic and may differ from reality. The embodiments represent the most preferred form of the invention, and the invention is not limited thereto.

[0021] The circular integrated service provision system of Embodiment 1 comprises a member terminal of the insured person, including a non-life insurance automobile insurance insurer, for filing insurance claims, an accident reception center terminal, a drive recorder installed in the vehicle the insured person is riding in and notifies the accident reception center terminal of the occurrence of a traffic accident, and a management server. The member terminal has a function for receiving circular integrated services, including a family-linked service that shares a social contribution score indicating the insured person's level of social contribution, and the management server registers family members of the insured person's family and family members who demonstrate the implementation of joint missions with the insured person. The system comprises a family-linked management unit that performs automatic calculations and presents insurance premium discounts and contract preferential conditions according to the calculated family score value, and a database that stores various data including member management information, social contribution score information, family member information, automobile insurance contract information, and family score information. The family-linked management unit is characterized in that, when the accident reception center terminal receives notification of a traffic accident from the drive recorder and the insured dies, the family member who is the heir applies for a death benefit claim and also transfers the benefits of the social contribution score held by the insured from the insured to the family member. This makes it possible to construct a circular integrated service platform and realize a circular integrated service provision system, method, and program that can transfer point benefits based on the social contribution score held by a deceased insured when the insured dies in an automobile accident or accidental accident. Furthermore, if the insured person who caused the car accident is still alive and able to drive, a replacement vehicle or transportation will be arranged through the following replacement vehicle provision control.

[0022] The circular integrated service provision system of Embodiment 2 comprises a replacement vehicle service system having multiple replacement vehicle stations located nationwide or in certain regions that provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance via a network, a member terminal of the insured person, an accident reception center terminal, a drive recorder installed in the vehicle the insured person is riding in which the accident reception center terminal is notified of the occurrence of a traffic accident, and a management server, wherein the member terminal has a function for receiving circular integrated services, including replacement vehicle usage services based on the insured person's personality score, and the management server receives traffic accident information from the member terminal or the drive recorder when the accident reception center terminal receives traffic accident information. The system is characterized by comprising: a replacement vehicle provision control unit that, upon receiving notification of an accident, performs real-time calculation of the personality score and controls the provision of the replacement vehicle based on the calculated personality score; a database that stores various data including member management information, contract information including the replacement vehicle expense special clause of automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information; a list display unit that lists available replacement vehicles; a smart key release operation unit that unlocks the smart key of the replacement vehicle selected by the insured from the listed replacement vehicles via short-range communication connection; and a blocking unit that blocks the smart key release operation if the personality score is below a threshold. This enables the construction of a circular integrated service platform, and realizes a circular integrated service provision system, method, and program that can arrange replacement vehicles based on personality scores and reduce the cost of transporting the accident vehicle when an insured person of a non-life insurance policy causes an automobile accident.

[0023] The configuration that best achieves the greatest effect of Embodiment 2 is characterized in that the replacement vehicle station has at least a tow truck and a truck for transporting vehicles, and further includes a passenger car, wagon, van, light truck, or a combination thereof. The replacement vehicle station is also characterized in that it has a driver provision unit for assigning drivers for transporting vehicles. As a result, a replacement vehicle service system (replacement vehicle platform) having multiple replacement vehicle stations located nationwide or in certain regions that provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance, for example, is provided by a non-life insurance company, thereby having the effect of deterring fraudulent claims for replacement vehicle expenses by insured persons under the replacement vehicle expense rider on their automobile insurance.

[0024] Figure 1 is a schematic block diagram of a communication network system including a circular integrated service provision system to which the present invention is applied. Figure 2 is a diagram illustrating data processing between a member terminal 1 and a management server 7 in a circular integrated service provision system according to an embodiment of the present invention, where Figure 2(a) shows the connection status between the member terminal 1 and the management server 7, Figure 2(b) shows an example of the display of the main menu screen of the circular integrated service provision application, and Figure 2(c) is a schematic functional block diagram of the main part of the circular integrated service provision system.

[0025] In Figure 1, the communication network system shows a configuration in which multiple member terminals 1 and 2, a drive recorder 3, a circular integrated service provision system 4, and a replacement vehicle service system 5 are connected to the cloud 6, and a management server 7, an LLM server 8, an accident reception center terminal 9, a non-life insurance company terminal 10, a law firm terminal 11, a hospital terminal 13, and a nursing care service system 14 are also connected to the cloud 6. The connection method of the communication network is not limited to this; if member terminal 1 is a mobile terminal, it may be connected to the network via a mobile communication line. Connection may also be made via WiFi (registered trademark) or Bluetooth (registered trademark).

[0026] Drive recorder 3 is a device that notifies the accident reception center terminal 9 of the occurrence of a car accident. If drive recorder 3 is subscribed to a drive recorder accident response service compatible with non-life insurance companies, when it detects a strong impact (detects the occurrence of an accident), it will automatically notify the accident reception center, process the accident, support appropriate on-site response, and the AI ​​can recreate the accident situation and automatically share it with the accident officer, reducing the burden on the customer. If the drive recorder has an internet communication function provided by each manufacturer, it will be automatically uploaded to the cloud, so the insured can operate member terminal 1 and provide the insurance company with still images and videos of the accident stored in the cloud.

[0027] The cyclical integrated service provision system 4 of the present invention is cloud-connected to member terminals 1 and 2 and a management server 7, enabling the provision of cyclical integrated services. Here, the cyclical integrated services include, but are not limited to, a replacement vehicle usage service, a medical check-up service, a score confirmation service, and a point reward service based on the insured person's personality score. These cyclical integrated services can be received by installing a cyclical integrated service provision application on member terminal 1 or by connecting to the web in the form of a web application. The management server 7 provides replacement vehicle services using replacement vehicle stations 15 under the control of the replacement vehicle provision control unit 25.

[0028] The replacement vehicle service system 5 has multiple replacement vehicle stations (see Figure 4) located throughout the country or in certain regions, enabling the provision of replacement vehicles and transportation arrangements near the accident site of the insured.

[0029] Cloud 6 is designed to ensure that all devices receiving integrated circular services are connected online.

[0030] The management server 7 controls the entire cyclical integrated service provision system 4.

[0031] LLM Server 8 is a general-purpose generative AI that supports incident response. The communication control layer between LLM Server 8 and Management Server 7 encrypts the communication path (TLS 1.3) and employs an authentication token issuance method (OAuth 2.0). Incident data is anonymized (e.g., using SHA-256 hashing). These measures ensure security.

[0032] Accident reception center terminal 9 is a terminal installed at the accident reception center and handles accident reception. Accident reception can be handled by automated systems or by operators. Accident reception centers are service intermediary organizations established by non-life insurance companies throughout Japan as contact points for insured persons to receive compensation.

[0033] The non-life insurance company terminal 10 is a terminal installed at a non-life insurance company and is used for handling non-life insurance claims and receiving accident reports from insured persons.

[0034] Law firm terminal 11 is a terminal for contacting a lawyer when legal expense coverage is added to the automobile insurance policy.

[0035] The hospital terminal 13 is a terminal installed in chiropractic clinics and other facilities that treat injuries resulting from accidents, whiplash, etc. In Figure 1, one representative example of the hospital terminal 13 is shown; in reality, multiple medical institutions each have one or more medical terminals 13 installed. The hospital terminal 13 adopts medical data exchange standards such as HL7 FHIR / FHIR-JP to enable data linkage and interoperability of medical health checkup data. This enables seamless data linkage with the long-term care service system 14 and hospital terminals 13 at other medical institutions. The management server 7 can acquire medical health checkup data via the cloud 6 and the hospital terminal 13. For example, HL7 FHIR utilizes web technologies (such as APIs) to enable real-time data access. The data format uses text-based data formats such as JSON and XML.

[0036] The care service system 14 extends the cyclical integrated service provision system 4 and utilizes the aforementioned replacement vehicle service for transporting users of non-life insurance care services, thereby reducing the total cost of replacement vehicle expenses. Furthermore, since the care service system 14 adopts medical data exchange standards such as HL7 FHIR / FHIR-JP, it can link data with hospital terminals 13 and medical health check data, and utilize the medical health check data of care recipients for daily care services.

[0037] Member terminal 1 can be a mobile device such as a smartphone, a tablet PC, or a touch-input computer. The insured person can use the API specification (REST / JSON structure) for social contribution activity logs such as donations and cleaning from member terminal 1 and provide social contribution data (GP data) to the management server 7.

[0038] In Figure 2(a), the member terminal 1 and the management server 7 are connected to the cloud, enabling the realization of the circular integrated service provision system 4.

[0039] In Figure 2(b), the circulating integrated service provision app installed on member terminal 1 includes a family linkage menu 20, a replacement vehicle usage menu 21, a medical check-up menu 22, a score confirmation menu 23, and a point redemption menu 24.

[0040] Family Link Menu 20 allows family members of the insured to register as family members, and even if the insured dies in a car accident, the benefits of the insured's social contribution score (GP) value will be passed on to the family heirs. By reflecting the deceased's GP value in the family, it enhances the attractiveness of the non-life insurance contract and leads to an increase in the number of insurance contracts.

[0041] The replacement vehicle service menu 21 indicates a function for receiving a circular integrated service that includes replacement vehicle services based on at least the insured's personality score (PRS).

[0042] Medical checkup menu 22 indicates a menu that integrates medical checkup services into the cyclical integrated service. When an insured person undergoes a checkup, a health checkup score (HS) is calculated, and the score applied to the system and the details of the benefits are visualized based on the health checkup score.

[0043] Score confirmation menu 23 shows a menu that integrates the score confirmation service into the circular integration service, and allows users to view detailed personality scores (PRS), detailed social contribution scores (GP), and apply for re-evaluation.

[0044] Point reward menu 24 indicates a menu that integrates the point reward service into the circular integrated service, and allows for the display of social contribution score (GP), i.e., Gaia point balance, point reward status, and history.

[0045] When these functions are applied to a mobile device (smartphone) as member terminal 1, no special machinery or equipment is required; only the installation of the integrated circular service provision application on the standard hardware of the mobile device (iPhone® or Android® device) is necessary. These functions may also be contained within the management server 7, configuring a browser-based system for the mobile device. In that case, under the control of the management server 7, the insured person may launch the browser on member terminal 1, log in to the management server 7 from the browser, display screens sent from the management server 7 to input information, answer questionnaires, and control the provision of integrated circular services. Voice input and camera image input from the member terminal may also be used in these interactions.

[0046] In Figure 2(c), the management server 7 includes a replacement vehicle provision control unit 25, a medical health check-up coordination unit 26, a score management unit 27, a point management unit 28, a database 29, and a family linkage management unit 30.

[0047] When the accident reception center terminal 9 receives a traffic accident notification from the member terminal 1 or the drive recorder 3, the replacement vehicle provision control unit 25 performs real-time calculation of the personality score (PRS) and controls the provision of a replacement vehicle based on the calculated personality score (PRS) value. Furthermore, if we define the insured person's personality score as PRS, the health check score as HS, and the social contribution score as GP (Gaia Point), then the safe driving coefficient and accident history correction are taken into account and calculated using the following arithmetic formula. PRS = α × Safe Driving Factor + β × Accident History Correction + γ × HS + δ × GP Here, α, β, γ, and δ are coefficients, and α + β + γ + δ = 1. The Personality Score (PRS) is calculated considering the insured's driving behavior and accident history, so the PRS value obtained after correcting for the insured's accident history is the result of the calculation.

[0048] The Medical and Health Checkup Collaboration Department (26) provides medical and health checkup services.

[0049] The score management unit 27 provides a score confirmation service.

[0050] The Point Management Department 28 provides a point reward service.

[0051] Database 29 stores various data, including the insured's membership management information, contract information including the replacement vehicle expense rider for the insured's automobile insurance, the insured's personality score (PRS) information, the insured's health check score (HS) information, the insured's social contribution score (GP) information, replacement vehicle provision control information, replacement vehicle station information, replacement vehicle information, the insured's medical check information, the insured's health check score information, the insured's score confirmation information, the insured's social contribution score information, and the insured's point redemption information.

[0052] The Family Linked Management Unit 30 provides family linked services. When the accident reception center terminal 9 receives a traffic accident notification from the drive recorder 3 and the insured person dies, the Family Linked Management Unit 30 allows the family member, who is the heir, to apply for a death benefit claim and also transfers the benefits of the social contribution score held by the deceased insured person from the deceased insured person to the family member.

[0053] Figure 3 is a conceptual diagram illustrating the characteristic replacement vehicle provision control of the present invention, and Figure 4 shows an example of a replacement vehicle station. The replacement vehicle provision control of the circulating integrated service provision system 4 will be described below with reference to Figures 3 and 4.

[0054] In Figure 3, a replacement vehicle service system 5 is provided, consisting of multiple replacement vehicle stations (e.g., A, B, C, ...) 15 located nationwide or in specific regions, which provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance policy via a network. This is set up as a cyclical integrated service platform. For example, a non-life insurance company operates the replacement vehicle service system 5, but the operation may be carried out by a separate organization.

[0055] As shown in Figure 3, when a vehicle driven by the insured is involved in an accident, the drive recorder 3 detects the impact, notifies the insured, and automatically notifies the accident reception center terminal 9. The accident reception center terminal 9, upon receiving the accident notification, sends an email notification to the member terminal 1. The insured checks the notification email received on the member terminal 1, launches the integrated service provision app, and applies for a replacement vehicle from the replacement vehicle usage menu 21. The replacement vehicle station 15 near the accident site can be found using GPS location services if the member terminal 1 is, for example, a smartphone.

[0056] As shown in Figure 4, the replacement vehicle station 15 has at least a tow truck and a truck for transporting vehicles, and further includes a passenger car, wagon, van, light truck, or a combination thereof. The replacement vehicle station 15 also has a driver provision unit for assigning drivers for vehicle transport. The driver provision unit is implemented as a function of the management server 7.

[0057] Figure 5 is a flowchart illustrating the general flow of vehicle replacement arrangements and transportation procedures in automobile insurance compensation. The following explanation will use Figure 5 to describe the flow of compensation in automobile insurance.

[0058] First, when a car accident occurs (step 701), the accident is notified to the accident reception center terminal 9 (step 702). The insured person who caused the accident handles the accident (contacting the police, creating an accident report) (step 703) and reports the accident to the accident officer of the non-life insurance company (step 704). As a result of the accident report (step 704), if the replacement vehicle expense rider of the automobile insurance is confirmed to be valid, arrangements are made for a replacement vehicle for the insured person and transportation of the damaged vehicle (step 705). Previously, this arrangement of a replacement vehicle and transportation was sometimes left to the insured person, but in this invention, the arrangement of a replacement vehicle and transportation is changed to be made using the replacement vehicle service system 5 provided by the non-life insurance company. This makes it possible to arrange a replacement vehicle and transportation at a low cost, and has the effect of deterring inflated claims that can become a breeding ground for fraudulent claims. The configuration of the replacement vehicle service system is the same as that of a car-sharing system, so even if you are not an insured person, you can use the replacement vehicle as a car-sharing service if you register as a member. This makes it possible to increase the utilization rate of the replacement vehicle service system 5. Furthermore, by coordinating the use of substitute vehicle services and driver assignments for transporting users of care service systems such as day care services (14), the utilization rate of the substitute vehicle service system (5) can be further increased, thereby enhancing the effect of suppressing the total cost of substitute vehicle payments in automobile insurance.

[0059] Since Member Terminal 1 is a typical mobile communication terminal, the diagram is omitted and the hardware configuration example is described. The computer configuration of Member Terminal 1 includes a CPU, HDD, non-volatile memory such as ROM, main memory such as D-RAM, a display, a software keyboard, a communication interface, a camera, a microphone, and a speaker, all connected to the system bus. The mobile communication terminal has a touchscreen display screen, a circular integrated service provision application icon, a front camera, multiple rear cameras, a microphone, a speaker, and a flash. Access by the mobile communication terminal is selectively connected to the network as appropriate depending on the communication environment, such as 3G, 4G, 5G mobile wireless network services or WiFi® wireless connection.

[0060] Member terminals (e.g., mobile communication terminals) 1 can log in to management server 7 via a communication network such as the internet through a communication interface. Login authentication is performed using the email address and password used during registration. If a user (service member) registers with an SNS email address, login authentication is performed using the email address and password of each SNS.

[0061] Figure 6 shows an example of the top menu screen of the integrated circulation service provision application of the present invention. In the example in Figure 6, the integrated circulation service provision application is implemented as a web application, and an example of the dashboard screen of the insured's member terminal 1 is shown.

[0062] As shown in Figure 6, the top menu displays the member ID "SP000123", member name "Sonpo Taro", insurance contract status "Valid", remaining days "200", health check score (HS) "○○○", personality score (PRS) "△△△", social contribution score (GP) "×××", etc. The circular integrated service is provided under the online control of management server 7. The above scores are numerical values ​​calculated in the range of 0-100. The top menu in Figure 6 shows the top menu screen of the top tab. The upper right corner of the screen shows the member ID and indicates that the user is logged in. The "Message" icon allows the user to send a message to the insurance company representative. There are also check buttons for adding member information and notifying the representative when information is downloaded.

[0063] Figure 7 shows an example of the dashboard for a circular integrated service provision application. In the example in Figure 7, an example of the car insurance menu screen for the car insurance tab is shown. The rental car tab, health checkup tab, score confirmation tab, resale buyback tab, and point reward tab are shown as examples, but they can be added or changed as needed. In addition, tabs for other insurance products offered by other non-life insurance companies, such as fire insurance, accident insurance, liability insurance, golfer's insurance, and travel accident insurance, can also be set up.

[0064] Figure 8 shows an example of the loaner vehicle usage menu screen when the loaner vehicle usage tab in Figure 7 is pressed. In the example in Figure 8, the loaner vehicle usage menu 21 includes options such as displaying available loaner vehicle candidates, displaying a blocking message due to insufficient personality score (PRS), and unlocking the smart key.

[0065] Figure 9 shows an example of the health checkup and medical menu screen when the health checkup and medical tab in Figure 7 is clicked. In the example in Figure 9, the medical checkup menu 22 displays the last checkup date, health checkup results, next appointment booking, discount status, etc.

[0066] Figure 10 shows an example of the score confirmation menu screen when the score confirmation tab in Figure 7 is clicked. In the example in Figure 10, the score confirmation menu 23 includes options such as checking the Social Contribution Score (GP) value, checking the breakdown, and applying for re-evaluation.

[0067] Figure 11 shows an example of the resale and purchase menu screen when the resale and purchase tab in Figure 7 is clicked. In the example in Figure 11, the resale and purchase menu includes options such as displaying the purchase price, detailed appraisal information, and making a sale reservation.

[0068] Figure 12 shows an example of the points reward menu screen when the points reward tab in Figure 7 is clicked. In the example in Figure 12, the points reward menu 24 includes options such as Social Contribution Score (GP) balance, this month's rewards, and history display.

[0069] Figure 13 is a flowchart of the process in the event of an accident. The following explanation of the replacement vehicle service provided by the replacement vehicle provision control unit 25 will use Figure 13 to describe the service.

[0070] Database 29 pre-stores various data, including member management information, contract information including the special clause for replacement vehicle expenses in automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information, and updates them as needed in response to changes in the situation.

[0071] First, when the accident reception center terminal 9 receives a traffic accident notification from the member terminal or drive recorder 3, it performs a real-time calculation of the personality score (step 101), and the replacement vehicle provision control unit 25 controls the provision of a replacement vehicle based on the calculated personality score (PRS) (step 102). The list display unit lists and displays the available replacement vehicles (step 103). Next, the smart key unlock operation unit unlocks the smart key of the replacement vehicle selected by the insured from the list displayed by the list display unit via short-range communication connection (step 104). In addition, if the personality score (PRS) is below a threshold (for example, a PRS value of 30), the blocking unit blocks the smart key unlock operation and notifies the insured of the reason for blocking and suggested improvements (step 105). The personality score (PRS) is an indicator of the insured's driving characteristics, and if this PRS value is low, there is a high possibility of causing another accident, so suggestions for improvement are provided.

[0072] Figure 14 is a flowchart of the steps for system change based on the health check score (HS). Using Figure 14, we will explain the medical health check services provided by the Medical Health Check Collaboration Department 26.

[0073] First, the Medical Health Checkup Collaboration Department 26's collaboration function automatically retrieves the health checkup results of insured persons from the hospital terminal 13 (Step 201). The health checkup results are analyzed, a health checkup score (HS) is calculated, and the system is applied (benefits such as insurance premium discounts / changes in the grade of replacement vehicles) (Step 202). Next, the health checkup score (HS) and the details of the point redemption are visualized on the user interface (UI) (Step 203). Finally, a UI for guiding the user to make a next health checkup reservation is displayed (Step 204).

[0074] Figure 15 is a flowchart of the point redemption steps based on the Social Contribution Score (GP). The point redemption service provided by the Point Management Department 28 will be explained below using Figure 15.

[0075] First, when an insured person records social contribution activities such as cleaning and donations in the integrated circular service provision app (step 301), the point management unit 28 calculates a social contribution score (GP) and displays a reward UI corresponding to the threshold (step 302). Next, it automatically displays discounts on medical expenses and insurance premiums (step 303). Then, it displays a guidance UI such as "You need XX points more to reach the next reward" (step 304).

[0076] Figure 16 is a processing flowchart for the resale upgrade step. The resale upgrade service provided by the resale upgrade unit (not shown) will be explained below using Figure 16.

[0077] First, the resale upgrade unit (not shown in the diagram) calculates the resale price based on the accident vehicle's usage history and score (PRS value / GP value) (Step 401). Next, the resale price and reason for the assessment are displayed on the insured's app screen (Step 402). Clicking the "Reserve Sale" button displayed on the app screen displays a UI for scheduling vehicle pickup (Step 403), and after completion, a payment confirmation + renewal proposal UI is displayed, prompting the user to proceed with renewing their auto insurance (Step 404).

[0078] Figure 17 is a flowchart showing the processing of family score linkage and reward steps. The score confirmation service by the score management unit 27 will be explained below using Figure 17.

[0079] The insured person registers family members and sets up score sharing from the app screen (Step 501). Next, the score management unit 27 automatically calculates the family score (FS) (Step 502) and displays premium discounts and contract preferential conditions on the insured person's app screen (Step 503). Next, it proposes score improvement actions (e.g., family community cleanup / joint donation, etc.) (Step 504). In proposing score improvement actions, the AI ​​proposal model is mathematically formulated as an adaptive type based on "reinforcement learning" or "stochastic gradient method". For example, for an action selection a ∈ A (where A is the set of possible actions), the reward R is calculated using the following formula, and the optimal policy π*(a) is learned. Reward R = ΔPRS + ΔGP Here, ΔPRS represents the gradient of the personality score PRS, and ΔGP represents the gradient of the social contribution score GP. This represents a behavioral guidance UX algorithm that combines psychology and AI.

[0080] Furthermore, the score management unit 27 may use a blue-green UI color scheme to emphasize safety and reliability when the PRS value is high. Conversely, when the PRS value is low, it may use a gray-red UI color scheme to emphasize caution. In addition, the score management unit 27 may display messages such as "Your contributions have been recognized" when the insured person is in the Approval level of Maslow's hierarchy, and messages such as "Your insurance premiums will be discounted if you undergo a health checkup" when the insured person is in the Safety level.

[0081] Figure 18 is a processing flowchart of the AI ​​proposal / action guidance step. Below, we will explain the AI ​​proposal service by the AI ​​proposal unit (not shown) using Figure 18. First, the AI ​​proposal unit (not shown) determines the social responsibility score (SRS) from the PRS value, HS value, and GP value (step 601). The AI ​​proposal unit receives a three-axis vector of PRS value, HS value, and GP value as input and calculates the social responsibility score (SRS) using a neural network (multilayer perceptron). If the social responsibility score is denoted as SRS, it can be calculated using the following formula. SRS = f(PRS, HS, GP, behavioral history, time factor) Next, the feasibility of the system and preferential treatment conditions are displayed according to the situation (Step 602). Then, UI options such as [Select], [Improve], and [Re-evaluate] are presented according to the proposed content (Step 603).

[0082] <In the event of the insured's death> Figure 19 shows an example of the family linkage menu screen when the family linkage tab in Figure 7 is clicked, and Figure 20 is a schematic flowchart of the process for inheriting social contribution score (GP) point benefits in automobile insurance. Below, using Figures 19 and 20, we will explain the inheritance of social contribution score GP value benefits in the case where the insured dies in an automobile accident.

[0083] In the example in Figure 19, the Family Link Menu 20 includes options such as displaying the Family Score (FS), displaying preferential treatment under the system, registering dependents / family members, and setting score sharing. Preferential treatment under the system is, for example, a XX% discount on insurance premiums. The Family Score (FS) is increased when the insured and their family complete joint missions. When the Social Contribution Score (GP) or Family Score (FS) exceeds a certain value, the local government / regional system UI grants regional benefits (e.g., transportation discounts, medical assistance, etc.), and a QR code (registered trademark) is issued to the email address registered by the insured, allowing them to use the benefits. Links to affiliated systems may also be provided.

[0084] As shown in Figure 20, first, when a car accident occurs (Step 801), the accident is notified to the accident reception center terminal 9 (Step 802). The insured person who caused the accident handles the accident (contacting the police, creating an accident report) (Step 803) and reports the accident to the accident officer of the non-life insurance company (Step 804). If the insured person dies during the accident report (Step 804) (Step 805), the insured person is unable to handle the accident report themselves, so a family member will do it on their behalf. Once the post-accident processing is complete (Step 806), and the validity of the car insurance is confirmed, the family member, as the heir, applies for a death benefit claim (Step 807). When this insurance claim is applied for by the family member, a "benefit transfer" email is sent to the family member's member terminal email address, and the benefits of the Social Contribution Score (GP) held by the deceased insured person can be transferred to the family member's member terminal via the link in that email.

[0085] Traditionally, if an insured person died, the reward points were tied to the insured person and therefore forfeited upon death. In contrast, this insurance product allows points earned through the deceased's social contributions to be inherited by their family members who are the heirs. This allows for the appeal of value-added services in the insurance product, and is expected to increase the number of policyholders. Although the above embodiment describes an example of automobile insurance, it can be similarly applied to other insurance products, such as fire insurance, accident insurance, liability insurance, golfer's insurance, and travel accident insurance.

[0086] <Method of providing integrated circular service> The cyclic integrated service provision method of this embodiment is a cyclic integrated service provision system comprising: a member terminal of an insured person, including an automobile insurance policy, for filing insurance claims; an accident reception center terminal; a drive recorder installed in the vehicle the insured person is riding in, which notifies the accident reception center terminal of the occurrence of a traffic accident; and a management server, and a database that stores various data including member management information, social contribution score information, family member information, automobile insurance contract information, and family score information, wherein the member terminal includes a cyclic integrated service that includes a family-linked service that shares at least a social contribution score indicating the insured person's level of social contribution. The system is equipped with a function for receiving benefits, and the management server has a family-linked management step that registers family members of the insured, automatically calculates a family score indicating the implementation of joint missions with the insured, and presents insurance premium discounts and contract preferential conditions according to the calculated family score value, and the family-linked management step is characterized in that, when the accident reception center terminal receives a notification of a traffic accident from the drive recorder and the insured dies, the family member who is the heir applies for a death benefit claim and the benefits of the social contribution score held by the insured are transferred from the insured to the family member.

[0087] <Circular Integrated Service Provision Program> The cyclic integrated service provision program of this embodiment has a family-linked management step in which a management server as a computer registers family members of the insured, automatically calculates a family score indicating the implementation of joint missions with the insured, and presents insurance premium discounts and contract preferential conditions according to the calculated family score value. The family-linked management step is characterized in that, when the accident reception center terminal receives notification of a traffic accident from the drive recorder and the insured dies, the family member who is the heir applies for a death benefit claim and the benefits of the social contribution score held by the insured are transferred from the insured to the family member.

[0088] The UI in this embodiment is not merely an operating interface, but has the following characteristics through a "linked UX" with scores, behaviors, and systems: Trust and contributions can be scored and institutionally rewarded. Furthermore, it can create an infrastructure-type UX that connects with society as a whole by automatically determining, notifying, and supporting re-evaluation of system approval / rejection. In addition, by linking with families, local governments, and AI, the added value of insurance contracts can be enhanced.

[0089] Furthermore, as an extension, a "blockchain ledger" or a "trust record structure" may be added. For example, the system may be configured to verify and store personality scores (PRS), social contribution scores (GP), and resale prices using smart contracts. Alternatively, each transaction may be recorded as an untamper-proof log on the blockchain ledger.

[0090] <Effects of Embodiment 1> In the above embodiment 1, a circular integrated service platform can be constructed, and a circular integrated service provision system, method, and program can be realized that allows the point rewards based on the social contribution score held by a non-life insurance policyholder to be inherited when the policyholder dies in a car accident.

[0091] <Effects of Embodiment 2> In the above embodiment 2, a circular integrated service platform can be constructed, and a circular integrated service provision system, method, and program can be realized that can reduce the cost of arranging a replacement vehicle based on a personality score and the transportation costs of the damaged vehicle when a non-life insurance policyholder causes a car accident. For example, according to simulations, this embodiment is expected to reduce the average replacement vehicle cost by 25%. Also, according to simulations, this embodiment is expected to reduce the towing time by 40%.

[0092] Although the embodiments have been described in detail above, the present invention is not limited to specific embodiments, and various modifications and changes are possible within the scope described in the claims. It is also possible to combine all or a plurality of the constituent elements of the above-described embodiments.

[0093] Based on the core functions of the present invention, namely PRS (Personality Score)-based substitute vehicle provision control, HS (Health Check Score)·GP (Social Contribution Score) linkage, FS (Family Score), AI proposal / behavior guidance, and resale upgrade, the key points of the changes from the past to the present to the future are shown in 30 cases. <By industry type: 30 cases (problems → improvement points)> <A. Casualty insurance·accident response (1 - 6)> <1. Automobile insurance: Substitute vehicle fraud·inflated claims> Past / present: For each accident scene, leaving it to the contractor results in high costs and a breeding ground for fraud. Future (this patent): Control smart key unlocking with PRS, and block + provide improvement proposals when below the threshold. Substitute vehicles are listed in the UI and standardized at low cost. <2. Road assist: Arrival delay> Past / present: Scattered dispatchers lead to delays and additional costs. Future: A network of substitute vehicle stations + standby wreckers / trucks for rapid vehicle dispatch. <3. Standardization of insurance payment> Past / present: Variations in payments depending on region / responsible person. Future: Systematically suppress payment costs through standardization of substitute vehicle arrangement~transportation flow. <4. Hollowing out of post-accident behavior improvement> Past / present: Anti-recurrence guidance does not continue. Future: When PRS is low, block and present improvement actions in the UI → re-evaluation. <5. Weak basis for insurance premium discounts> Past / present: Weak reflection of actions in the uniform grade. Future: Visualize HS·GP·PRS and apply systems for discounts and privileges. <6. Insufficient optimization of family membership·multiple contracts> Past / present: Safe behaviors of family members are difficult to be reflected in insurance conditions. Future: Contract preference and co - action proposal based on FS (Family Score).

[0094] <B. Medical & Healthcare (7 - 10)> <7. Low medical examination acceptance rate> Past / Current: Medical examination recommendations are discontinuous. Future: Automatically obtain medical examination results from hospital terminals → HS calculation → Discount application → Next reservation guidance. <8. Lack of incentives for lifestyle improvement> Past / Current: The continuity of app guidance is weak. Future: AI proposals present improvement actions from HS / PRS / GP and are immediately reflected in insurance, car grade, etc. <9. Burden of transporting the elderly> Past / Current: The procurement cost and schedule adjustment of hospital transportation are burdensome. Future: The cooperation between nursing services and car - sharing platforms increases the operation rate and reduces transportation costs. <10. Visualization of mental / behavioral hygiene> Past / Current: The evaluation in insurance is ambiguous. Future: Integrate actions, donations, medical examinations, etc. into the social responsibility score for individual optimal guidance.

[0095] <C. Mobility, Retail, Sharing (11 - 15)> <11. Wear and accident rate of rental cars / car - sharing> Past / Current: User screening is rough. Future: High - risk users are suppressed by PRS - linked unlocking control, and liability / deposit is optimized. <12. Accident costs of store delivery / EC same - day delivery> Past / Current: Damage is uneven due to differences in driving manners. Future: The PRS of delivery staff is reflected in vehicle allocation and vehicle grade, reducing accidents and insurance premiums. <13. Black box for used car appraisal> Past / Current: The reasons for appraisal are opaque. Future: Calculate the resale price from PRS / GP and usage history → Screen display, UI consistency from selling reservation to re - contract proposal. <14. Linkage with regional contribution of shopping> Past / Current: Points only promote consumption. Future: Display the remaining balance and reduction history of GP (Social Contribution Score) on the UI, and reduce insurance and medical expenses through community cleaning / donations. <15. Accident Response in Tourism and MaaS> Past / Present: Delays in substitute cars / transportation at the travel destination. Future: Coordinate with accident reception at stations across the country to arrange nearby vehicles and immediately unlock the UI.

[0096] <D. Public, Local Governments, and Care (16 - 20)> <16. Transfer and Vehicle Ensuring during Disasters> Past / Present: Disconnection between vehicle deployment and personnel arrangement. Future: Provide support and deployment at stations including driver-providing departments, and offer preferential treatment to volunteers through FS / GP. <17. Support for Returning Licenses of the Elderly> Past / Present: Anxiety about means of transportation after license return. Future: GP acquisition actions (such as community cleaning) → special offer UI → transfer discounts to provide peace of mind for mobility. <18. Safety of School and Club Transfers> Past / Present: Safety differences in driving by PTA volunteers. Future: Manage the driver PRS with a threshold, and if it is below a certain level, the vehicle cannot be unlocked + improvement guidance. <19. Social Implementation of Regional Points> Past / Present: Local government points focus too much on consumption linkage. Future: Link GP directly to insurance premiums, medical expenses, and substitute car grades in the social system UX. <20. Optimization of Welfare Transfer Operations> Past / Present: Shortage of vehicles / drivers. Future: Level out the number of vehicles by improving the utilization rate of substitute cars through cooperation with the care system.

[0097] <E. Enterprises, ESG, and Personnel (21 - 24)> <21. Company Vehicle Accidents and Rising Insurance Premiums> Past / Present: The effectiveness of safety training is limited. Future: Visualize by driver using the PRS dashboard, and provide AI suggestions and re-evaluation loops for those with low PRS. <22. Difficulty in Quantifying ESG Activities> Past / Present: It is difficult for cleaning / donations to be linked to evaluation. Future: Calculate GP from the activity log and visualize it all the way to the privilege UI and medical / insurance discounts. <23. Post-accident employment considerations> Past / Current: Disposal-only, no improvement process. Future: Notify improvement plans during interruption and integrate re-evaluation applications into the corrective measures on the personnel side. <24. The formalization of compliance education> Past / Current: Annual group training. Future: AI proposals will present improvement actions according to individual behaviors each time and reflect them in the score.

[0098] <F. Financial and insurance product development (25 - 27)> <25. Uniform design of UBI (usage-based insurance)> Past / Current: Difficult to reflect behavior quality with mileage as the center. Future: Dynamically optimize the premium rate, exemption, and privileges with the multi-dimensional scores of PRS×HS×GP. <26. Difficulty in differentiating medical contracts> Past / Current: Discount conditions are rigid. Future: Immediately reflect the application of the HS system (discount / grade change). <27. Uniformity of family group discounts> Past / Current: Only age / relationship. Future: Simultaneously improve the contract renewal rate and safe behavior with preferential conditions based on FS.

[0099] <G. Travel, accommodation, and events (28 - 30)> <28. Trip interruption due to rental car accidents> Past / Current: Hindered by arrangements and payments. Future: From accident reception → PRS calculation → vehicle allocation at nearby stations → unlocking, the UI is consistent and the journey is interrupted minimally. <29. Temporary transportation for large events> Past / Current: Difficult to cope with sudden increases in demand. Future: Immediately enhance temporary transportation by leveling the operation rate of the substitute car platform. <30. Visualization of the regional contribution of tourist destinations> Past / Current: Volunteer work and donations are buried. Future: Encourage tourist participation by visualizing GP (Government Points) rebates and collaborate with local infrastructure. [Explanation of Symbols]

[0100] 1, 2 Member terminals 3. Dashcam 4. Circular Integrated Service Provision System 5. Replacement vehicle service system 6 Cloud 7. Management Server 9. Accident Reporting Center Terminal 15 Replacement Car Station 20 Family-Linked Menu 25 Replacement Vehicle Provision Control Unit 30 Family Management Department

Claims

1. A circular integrated service provision system, The member terminal operated by the insured, Accident reporting center terminal, A drive recorder installed in the vehicle in which the insured is riding, which notifies the accident reception center terminal of the occurrence of a traffic accident, Management server and Equipped with, The aforementioned member terminal is A family registration function that accepts registration of family members of the aforementioned insured person, A score sharing setting function that accepts sharing settings for sharing the social contribution score, which indicates the social contribution level of the insured person, with family members, Equipped with, The aforementioned management server The system has a database that stores family member information regarding family members received through the family registration acceptance function, social contribution score information associated with the insured, and automobile insurance contract information. If the accident reception center terminal receives notification of a traffic accident from the drive recorder, and the insured person dies, and a death benefit claim application is received from a family member who is an heir, the management server registers the benefit information of the social contribution score associated with the insured person, which is stored in the database, in association with the family member who is an heir. A circular integrated service provision system characterized by the following:

2. In the circular integrated service provision system according to Claim 1, The aforementioned integrated circular service includes medical check-up services, score confirmation services, and point reward services. The aforementioned management server The Medical Health Checkup Collaboration Department, which provides the aforementioned medical health checkup services, The score management unit provides the aforementioned score verification service, The Point Management Department provides the aforementioned point reward service, It has, The aforementioned database includes medical checkup information, health checkup score information, score confirmation information, personality score information, and point redemption information. Store A circular integrated service provision system characterized by the following:

3. A method for providing a circular integrated service, On the member terminal, Registration of family members of the insured person, The acceptance of the setting for sharing the social contribution score of the aforementioned insured person, Perform On the management server, Family member information based on the aforementioned registration, Social contribution score information associated with the aforementioned insured person, Auto insurance contract information and Store it in the database, A circular integrated service provision method characterized in that, after the accident reception center terminal receives notification of a traffic accident from a drive recorder, if the insured dies, and a death benefit claim application is accepted by a family member who is an heir, the management server registers the benefit information of the social contribution score associated with the insured, which is stored in the database, in association with the family member who is an heir.

4. Computers, A family registration function that accepts registration of family members of the insured person. A score sharing setting function that accepts the setting for sharing the social contribution score of the insured person. A function to store family member information based on the aforementioned registration, social contribution score information associated with the aforementioned insured person, and automobile insurance contract information in a database, and If the accident reporting center terminal receives notification of a traffic accident from a dashcam and the insured person dies, and a death benefit claim application is accepted by a family member who is an heir, the system will register the benefit information of the social contribution score associated with the insured person, stored in the database, in association with the family member who is an heir. A circular integrated service provision program designed to function as such.

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