Server Donation Recipient Selection System
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Solution Overview
Problem
Existing insurance premium return mechanisms fail to accurately reflect user behavior and preferences, often resulting in donations being made to unwanted recipients, which can lead to dissatisfaction among users and negatively impact the reputation of insurance companies.
Innovation Solution
A system that includes a server device capable of generating a candidate list of donation recipients based on user-purchased insurance type and related information, allowing users to select a preferred donation recipient from this list, ensuring that surplus premiums are donated to socially relevant causes aligned with their preferences.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a predetermined donation recipient is selected by the insurer without user input, then the donation process is simple and efficient, but the user's preference and behavior are not reflected, leading to user dissatisfaction
Solution Approach 1:
The system performs preliminary actions by automatically generating a candidate list of donation recipients based on user insurance information before the user makes a selection. This preliminary processing reduces the user's workload while still enabling personalized selection, resolving the contradiction between operational simplicity and preference adaptation.
Solution Approach 2:
The system introduces an intermediary mechanism (the candidate list generation system) that bridges the gap between automatic selection and user choice. The system acts as a mediator by processing user insurance information to generate relevant donation recipient candidates, then presenting them for user selection, thus combining system efficiency with user preference reflection.
2Adaptability or versatility
If the system generates a personalized candidate list based on user information, then user preference is accurately reflected, but the system complexity increases
Solution Approach 1:
The system segments the complex task of donation recipient selection into distinct stages: (1) automatic generation of candidate list based on user insurance information, (2) presentation of candidates to user, and (3) user selection. This segmentation reduces overall system complexity by breaking down the processing into manageable, modular steps.
Solution Approach 2:
The system enables self-service by automatically generating the candidate list from user-provided insurance information without requiring manual intervention from insurers or complex configuration. The system serves itself by processing the data it already possesses, reducing operational complexity while maintaining high adaptability to user preferences.
3Adaptability or versatility
If users are given full freedom to choose any donation recipient, then user satisfaction is maximized, but the connection to insurance type and pertinence is lost
Solution Approach 1:
The system applies local quality by tailoring the candidate list to each user's specific insurance type and pertinent information. Instead of providing a generic list or complete freedom of choice, the system generates a personalized candidate list that is locally optimized for each user's insurance context, maintaining both relevance and user autonomy.
Solution Approach 2:
The system changes parameters by using user insurance information (insurance type, pertinent data) as input parameters to generate the candidate list. This parameter-driven approach ensures that the donation recipient candidates are dynamically adjusted based on user-specific parameters, maintaining the connection to insurance type while providing personalized choices.
Data Source
AI summary
A server device, a terminal device, an information processing program, and an information processing method capable of giving the premium back to a purpose appropriate for the user are provided. A server device (10) according to the present disclosure includes a generation section (112) that acquires insurance type information (201) indicating a type of insurance that a user purchases and pertaining information (202) related to the insurance, and generates a candidate list (30) of donation recipients including information regarding one or more donation recipients on the basis of the insurance type information and the pertaining information that have been acquired.