JP2000339379A - Fortune link type insurance processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a fortune link type insurance processing system which does not bring about resistance to consumers, attracts the attention of the consumers and can acquire many new customers even though an investment for customer acquisition is small. SOLUTION: This system consists of a host side computer which is provided with a fortune data file about various pieces of information needed to know fortune and an insurance data file about various data necessary to insurance processing and which also performs processing such as the arithmetic operation, recording and management of insurance business and a user side terminal device which is provided with a personal information input screen for fortune discrimination, a fortune-telling type input screen, an insurance information display screen (24) which displays insurance information corresponding to the fortune information and an insurance period input screen, etc.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a novel, attention-grabbing and fortune-linked insurance process which is attractive to both users (insurers and policyholders) and insurance companies (or their agents). It is about the system.

[0002]

2. Description of the Related Art <Insurance> Insurance is roughly divided into life insurance and non-life insurance. Life insurance is a fixed amount of insurance covering the life and death of the insured, and non-life insurance is insurance that covers the incurred loss with an actual amount. The latter non-life insurance includes
There are many types of accident insurance, marine insurance, fire insurance, car insurance, theft insurance, liability insurance and more. Among them, there are various types of accident insurance, including ordinary accident insurance, family accident insurance, comprehensive child insurance, and travel accident insurance. Accidents that are subject to insurance claim payment in accident insurance include accidents occurring at home, accidents during work or commuting, and sports and travel accidents.

In an insurance contract, an insurance company and a policyholder are involved. The policyholder may not be the same as the insured. In the case of life insurance, the insured person means the person himself, and in the case of non-life insurance, the person who can receive damages in the event of an insurance accident, that is, the owner or victim of the property. Become.

The insurance period varies from a long term of several tens of years to a short term such as only one week between trips such as travel accident insurance. Further, the insurance period is, for example, one year, but there is also a type that specifies the cause of an accident to be covered by insurance, such as only an accident caused by sports on a sports practice day during the period. Of these, the temporary or short-term type and the accident cause identification type have the advantage that insurance premiums are lower and the insurance company has the advantage of expanding the customer base.

<Computer-based system> In general, a person who intends to take out insurance receives information from an insurance company or insurance agent, writes necessary information in an application form, and writes at least a first insurance premium (a premium). Pay in. Insurance companies issue insurance policies as proof of contracts. If an insurance accident occurs during the insurance period, insurance money will be paid through a predetermined procedure.

[0006] Such a method of subscribing is a normal method, but since the procedure is troublesome, various processing systems using a computer have been proposed. The sign
(a), (b) ... are simply added to facilitate understanding.

For example, Japanese Patent Application Laid-Open No. 7-5135 discloses an apparatus which is easy to use, excellent in operability, and smoothly executes an insurance design consulting business, and more specifically, a display means (a) of a pen touch pen input method, The item input screen is displayed, the item setting screen display means (b) for selecting and determining the insurance setting items for calculation of insurance setting consulting from the options by touching the pen from the options, and the determined insurance design items are displayed on the input content confirmation screen. In addition, a portable insurance design consulting apparatus is provided which includes a confirmation screen display means (c) for performing a confirmation process, executes a calculation using a formula related to insurance design, and displays the calculation on an insurance design consulting screen.

Japanese Unexamined Patent Publication No. 7-239885 discloses an insurance business processing system that systematically performs computer processing from the creation of an application form to the issuance of securities in an insurance business, and more specifically, a solicitation material, an insurance premium rate, and other necessary data. In addition to storing data required for the execution of insurance business, such as forms, etc., and uploading and uploading data between the host computer (a) and the host computer for managing insurance contract business, issuing securities, etc. A portable terminal device that can be downloaded and that presents materials to policyholders, inputs personal data and vehicle data for creating a contract application form, and creates an application form.
(b), and shows an insurance business processing system excluding the use of paper except for the seal of the application form.

Japanese Patent Application Laid-Open No. Hei 8-305760 discloses an insurance setting system and an insurance setting document which allow the user to easily select insurance items necessary for a contractor in consideration of insurance premiums. An insurance type table (a) that stores a plurality of insurance items according to the life stages such as the configuration, and an insurance item-specific insurance table that stores insurance premiums by age corresponding to a plurality of insurance claims of a plurality of insurance items ( b)
And a keyboard (c) for inputting the age of the subscriber and the insurance content to be subscribed, and the CPU (d) selects a plurality of insurance items from the insurance type table (a) according to the input data from the keyboard (c). Select and calculate the monthly premium from the premium table by insurance item (b) using factors such as the selected insurance item and the insurance money and insurance period corresponding to each insurance item, and stack the insurance premium and insurance content A system for printing a written insurance premium design document is shown.

[0010]

[Problems to be Solved by the Invention] Insurance is an indispensable system in the modern society, but there are individual differences in the view of risks and the enrollment procedure is cumbersome, so there is a tendency that insurance will not be willing to participate. Insurers are struggling to stimulate demand. However, the importance of insurance remains the same in today's society, and the potential demand itself exists, so creating products that are attractive to consumers, including services, and adopting approaches that are of interest to consumers. There is a way,
Furthermore, those who are not traditionally interested in insurance (for example, young people) will also be interested, and hopefully, if consumers can find motivation to join themselves, demand will be further stimulated. Become.

[0011] However, although various new insurance products have been developed, the present situation is that they are already exhausted and lack freshness. As a result, there is a brake on the increase in insurance contract value, and there is a tendency for the contract value to decrease even for some insurance products in response to economic trends.

Although the computer-based systems exemplified above are preferable in terms of labor saving and speeding-up, they are hardly expected to motivate consumers to join.

Under such circumstances, the present invention is not only reluctant to consumers but also interested in those who are not interested in insurance, and furthermore, motivation for consumers to join themselves. In addition, the financial burden on consumers is low, while insurance companies and agents attract consumers' attention and attract a large number of new customers despite their small investment in customer acquisition. It is an object of the present invention to provide a fortune-linked insurance processing system that can be acquired.

[0014]

A fortune-linked insurance processing system according to the present invention comprises a host computer (1) having information on fortunes and information on insurance, and a host computer (1) having access to the host computer (1). Terminal device (2)
The insurance subscription period and insurance conditions are determined based on the fortune information selected or set by the user's operation,
The feature is that the procedure for insurance participation was made possible.

[0015] The fortune-linked insurance processing system of the present invention comprises:
More specifically and preferably, it is provided with a fortune data file (11) relating to various data necessary for knowing the fortune and an insurance data file (12) relating to various data necessary for insurance processing, and calculating and recording insurance business. , Host-side computer (1) for performing processing such as management, and the host-side computer
A terminal device for uploading and downloading to and from (1), and a personal information input screen means for fortune judgment for inputting user's personal information necessary for fortune judgment.
(21), fortune-telling type input screen means (22) for inputting the type of fortune-telling, and fortune information display screen means (23) for displaying personal information and fortune information of the user based on the kind of fortune-telling.
Insurance information display screen means (24) for displaying insurance information corresponding to the fortune information, insurance enrollment period input screen means (25) for setting an insurance enrollment period based on the insurance information, and A user having an insurance condition input screen means (26) for setting necessary insurance conditions and an insurance personal information input screen means (27) for inputting personal information necessary for other insurance enrollment. And a side terminal device (2).

In this case, the above-mentioned user terminal device (2)
However, it is preferable to further include a confirmation unit (28) for displaying, storing, or outputting an image corresponding to an insurance application form or an insurance policy.

[0017]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below in detail.

<Characteristics of the System of the Present Invention> The fortune-linked insurance processing system of the present invention is a system in which a user knows his / her own fortune and joins insurance, but rather, the user knows his / her own fortune. It can be said that what is referred to as an "insurance fortune-telling system" which is accompanied by insurance simply indicates the friendliness and ease of use of the system of the present invention.

<Types of Insurance> Although both life insurance and non-life insurance are applied to the system of the present invention, non-life insurance, which is an insurance with relatively low premiums and few conditions for joining, especially accident insurance Most suitable for In the case of life insurance, it is suitable for relatively low-cost and short-term insurance that only needs to be notified of the current and past health conditions. And it is difficult to adapt to the system of the present invention). By covenant, different types of insurance may be added to the insurance under this agreement.

<Fortune-telling, Fortune> Host computer (1)
In the fortune data file (11), various data necessary to know the fortune, that is, various data such as the type of fortune-telling and the corresponding fortune, are stored and can be extracted by the user terminal device (2). I have.

As a kind of fortune-telling for knowing fortunes, there is a science that has little or no scientific basis, but one that has been accepted to a certain extent by the private sector as a means of knowing good luck and luck.

There are many types of fortune-telling, such as calendar luck, oriental astrology, western astrology, palms (including fingerprints) and human phase, personal biorhythms based on date of birth,
Examples include blood type fortune-telling, first and last name determination, four pillars, feng shui, good luck by direction, easy fortune-telling, tarot card fortune-telling, dream fortune-telling, and many others. To know the fortune based on these, information on one or more of the person's birth date, birth time, sex, blood type, and the like is required. However, there are some things, such as the six-star stars, that are not considered to be dependent on individual individuals but are a common good for everyone. You can ask a number of questions similar to personality tests, and then use the answers to find your fortune. In the following, some divination will be explained in more detail.

(A) There is a so-called six star on the calendar. This is first victory, first friend, first luck, Buddha destruction, Daan,
Akaguchi's six days, ・ Last year of the lunar new year and the first day of the month of July, friendship, victory, destruction of Buddha ...
・ ・ ・ ・ On March and September in the lunar calendar, the sacrifice of Buddha, Daan,
・ ・ ・ ・ On April and October of the lunar calendar, the days of the Buddha fall from Daan, Akaguchi,
・ ・ ・ ・ ・ On May and November in the lunar calendar, the seasons from Da'an to Akakuchi, first victory,
・ ・ ・ ・ ・ On June and December in the lunar calendar, the victory from Akaguchi, friend pull,
It is a method of deciding good luck by proceeding with each.

This six-day star is widely used in modern times, and is often described in calendars, affecting not only the date and time of ceremonial occasions but also daily life. In particular, they often avoid funerals on Friendship Day and avoid weddings and contracts on Buddha Day. At least at the present stage, the Six Stars are close to the customs of the majority of Japanese people, so they should be considered as one of the fortunes, and can be used as fortune-telling types and fortune data in the present invention.

(B) Bad years, etc. Many people in Japan are concerned about bad years, bad months, bad days, especially bad years. The bad year is the age of being prone to disaster in Yin-Yang Road, and in the counting years, men are 25 and 42 years old, and women are 19 and 33 years old. In particular, a man, 42, and a woman, 33, are said to be in great trouble. In the present invention, such a bad year can also be used as fortune-telling type and fortune data.

(B) Astrology Attempts to know the fortune by Eastern astrology and Western astrology have been made for a long time. There are many types of astrology, and in the present invention, this astrology can be used as the type of fortune-telling and fortune data.

(C) Palm, Human, Fingerprint If an image input device is used, palm, human, and fingerprint can be input, and the fortune can be automatically known based on the input.

(D) Biorhythm Each of body rhythm, emotion rhythm, and intellectual rhythm includes:
It is said that there is a cycle such as a harmonic period, an off-peak period, and a low-tone period. The biorhythm of an individual determined by the date of birth can be regarded as one of fortunes, and can be used as fortune-telling type and fortune data in the present invention. If a person is concerned about biorhythms, for example, they will be cautious during off-peak periods or during periods of low tone, and there will be an incentive to use those periods alone for accident insurance coverage just in case. Alternatively, it is also possible to use a long-term biorhythm to find out when the person is in high season (for example, the person's marriageable age) and make life insurance expiration coincide with the high season.

<System> The fortune-linked insurance processing system of the present invention comprises a host computer (1) and a user terminal device (2).

This system comprises a host computer (1) having information on fortunes and information on insurance, and a user terminal device (2) accessible to the host computer (1). The insurance subscription period and insurance conditions are determined based on the fortune information selected or set by the operation on the side, so that the procedure for insurance subscription can be performed. Hereinafter, more specific and preferred embodiments will be described.

The host computer (1) includes a fortune data file relating to various data necessary to know the fortune.
(11) and an insurance data file (12) relating to various data necessary for insurance processing, and perform processing such as calculation, recording, and management of insurance business. In the fortune data file (11), various data such as the type of fortune-telling and the fortune corresponding thereto are collected. The insurance data file (12) collects detailed data required for insurance processing. The host computer
Regarding the fortune data file (11) of (1), using the fortune-telling site already on the Internet (that is, sharing a part of the role of the host computer (1)), after displaying the fortune-telling, the insurance contract A system can be added.

The user-side terminal device (2) is a terminal device for uploading and downloading to and from the host-side computer (1). Here, as the terminal device, a user's personal computer, a mobile communication device (some can transmit and receive images as well as characters), a mobile communication device, a personal computer installed and operated at a store of an agency or a cooperating store, Examples include terminal devices such as home appliances and communication mechanisms provided in game machines.

The user-side terminal device (2) comprises: a personal information input screen means (21) for fortune judgment for inputting user personal information necessary for fortune judgment; and for inputting a type of fortune-telling. Fortune-telling type input screen means (2
2),-Fortune information display screen means (23) for displaying user's fortune information based on the personal information and the type of fortune-telling,-Insurance information display screen means for displaying insurance information corresponding to the fortune information (24) ・ Insurance period input screen means (25) for setting the insurance period based on the insurance information; ・ Insurance condition input screen means (26) for setting other insurance conditions necessary for insurance. ), And insurance personal information input screen means (27) for inputting personal information required for other insurance subscriptions.

It is preferable that the user terminal device (2) further includes a confirmation means (28) for displaying, storing or outputting an image corresponding to an insurance application form or an insurance policy.

The user's personal information input by the personal information input screen means (21) for fortune determination includes name, date of birth, birth time, sex, blood type and the like. The zodiac signs and constellations can also be entered as personal information, but do not need to be entered because they are automatically determined by date of birth. When a palm, a human face, a fingerprint, or the like is required as personal information, the information is input using an image input device.

In the fortune-telling type input screen means (22), the kind of fortune-telling described above is input. Since the type of fortune-telling is displayed on the screen, it is only necessary to select one of them.

The fortune information display screen means (23) displays the fortune information of the user based on the personal information and the type of fortune-telling, and this display screen is where the user is most interested, and As it greatly affects whether the system of the present invention is attractive to users,
You should take great care.

The fortune information appearing on the display screen is, for example, 1
It is preferable that the information is updated on a monthly basis, and at that time, it is desirable to provide continuity or association with the previous fortune information. Even if the user who performed the first operation does not have insurance at that time, the user can know the change and flow of his fortune by the second operation after a certain period, so he is in the fortune world This is because you get the feeling of getting into it.

In the fortune information appearing on the display screen, the name of the user entered earlier may be displayed as "something", or a favorite animal or character of the user may be selected in advance. It is also preferable that the animal or character be devised to appear on the screen. This is because the friendliness is further increased. It is also preferable to produce an acoustic effect, such as talking with a voice or emitting a voice or an onomatopoeic sound.

On the screen of the fortune information display screen means (23), fortunes for a certain period are displayed in a table, a graph or a graphic. It is desirable to be able to select and set the insurance subscription period.

The insurance information display screen means (24) displays insurance information corresponding to the fortune information. Insurance information includes the type of insurance, premiums (payments), coverage period,
This includes insurance amounts, confirmation columns for health status, and explanations of matters to be noted. Total insurance fee is 1000 yen, 2000 yen, 30 yen
When the insurance amount corresponding to the subscription period is displayed by selecting 00 yen, the insurance premium per day is 50 yen,
There is a method of selecting such as 100 yen, fixing the insurance amount, and displaying the insurance premium required for the entire subscription period.

In the insurance period input screen means (25), an insurance period is set based on the above insurance information.
The insurance period may be continuous, such as April-September, intermittent, such as April-May and August-September, or as the day of destruction of Buddha in the next six months. It may be a jump day, or in extreme cases it may be only one day.

In the insurance condition input screen means (26), insurance conditions required for other insurance participation, for example, insurance payment conditions are set. Payment terms include lump sum payments, installment payments, online credit card payments,
It is a distinction such as offline bank transfer.

The personal information necessary for insurance participation in the insurance personal information input screen means (27) includes name, address,
Information such as date of birth, credit number, occupation, and health status. When the policyholder and the insured are different (such as when a dependent is insured or a third party is given insurance), personal information of both is required. Items that overlap with the previous personal information for fortune determination are not enough to be newly input.

The confirmation means (28) displays, stores or outputs an image corresponding to the insurance application form or the insurance policy. However, the insurance application form or the regular insurance policy requiring a seal is offline. . However, if the law allows, you can go online with your insurance application or issue your insurance policy online.
If the credit debit or offline payment is not completed, insurance will not be effective,
No official insurance policy (or membership card) will be issued.

For those who have subscribed to insurance, services such as the ability to make a free or low-cost decision on fortunes using this system can be provided thereafter.

In order to allow people who do not have the purpose of insurance to become familiar with the system or to provide services to insurance subscribers after they have subscribed, such as mere fortune telling or affinity fortune-telling, which are not directly related to insurance participation. You can also provide services that do.

In order to get familiar with insurance, it is possible to provide general items describing the insurance system and targeted insurance information based on the personal information of the operator. Further, after the user's e-mail address can be confirmed, after-sales service such as sending a one-line comment fortune-telling to the user every morning can be performed so that a repeater can be secured.

[0049]

The present invention will be further described with reference to the following examples.

Embodiment 1 FIG. 1 is an explanatory diagram showing an example of a device configuration of a fortune-linked insurance processing system according to the present invention. FIG. 2 is a flowchart showing an example of a process executed by the apparatus of FIG.

As shown in FIG. 1, the apparatus according to the present invention comprises a host computer (1) and a user terminal (2).
It is composed of The user terminal device (2) uploads and downloads data to and from the host computer (1).

The host-side computer (1) stores a fortune data file (11) relating to various data (fortune-telling type and fortune data corresponding thereto) necessary for knowing the fortune, and various data necessary for insurance processing. Insurance data file (12). The host computer (1) has a function of performing calculations, recording, management, and the like of insurance business.

The user terminal device (2) has the following means. 1. Fortune judgment personal information input screen means (21) for inputting personal information (name, date of birth, gender, blood type, etc.) of a user necessary for judgment of fortune. 2. Types of divination (calendar spells, oriental astrology, western astrology, personal biorhythms based on date of birth, blood type divination,
Fortune-telling type input screen means (22) for inputting first name and last name, four pillars, etc.). 3. Fortune information display screen means (23) for displaying user's fortune information based on the personal information and the type of fortune-telling, insurance information display screen means (24) for displaying insurance information corresponding to the fortune information, and Insurance subscription period input screen means (25) for setting an insurance subscription period based on insurance information. Specific examples of these will be given in Examples 2 to 4 below. 4. Insurance condition input screen means (26) for setting insurance conditions (conditions for paying insurance premiums) required for other insurance participation. 5. Personal information entry screen for insurance entry (27) for inputting other personal information (name, address, date of birth, credit number, occupation, health status report, etc.) required for other insurance participation. 6. Confirmation means (28) for displaying, storing or outputting an image corresponding to an insurance application form or insurance policy.

An example of the operation will be described below. 1. Host computer using the Internet
Insurer with (1) (insurer or its agent)
Open the homepage of. 2. Fortune-telling type input screen means (22) selects and inputs the type of fortune-telling, such as calendar luck, oriental astrology, western astrology, personal biorhythm based on date of birth, blood type fortune-telling, first and last name judgment, four pillars, and so on. If necessary, make it possible to choose the duration of the divination, for example in the coming year. 3. Information such as a user's name, date of birth, gender, blood type, etc. necessary for knowing the fortune is input or selected by the fortune judgment personal information input screen means (21). When photographs, bills, fingerprints, and the like are required, input is performed using an image input device. This operation can also be performed before the above 2. 4. By the above operation, the fortune information display screen means (23)
The personal information and the fortune information of the user based on the type of fortune-telling are displayed as data and graphics, and the insurance information display screen means (24) displays the insurance information corresponding to the fortune information, and inputs the insurance subscription period. On the screen means (25), a screen for setting an insurance subscription period based on the insurance information is displayed (on this screen, options for easily selecting the period are also displayed). 5. When it is desired to know the fortune according to another fortune-telling type, the process returns to the above-mentioned 2 and another fortune-telling type is selected. 6. In 4 above, the user's fortune (good and bad / low season) can be known from the fortune information, and the contents of the insurance can be known from the insurance information. Select and enter the subscription period on the screen to be set. In addition, when it is going to join the insurance with a fixed insurance premium, the insurance premium (for example, 1000
Yen, 3000 yen, 5000 yen, etc.). 7. Select and enter the insurance payment conditions, etc. using the insurance condition input screen means (26), and enter the name, address, date of birth, credit number, occupation, health Enter other personal information required for insurance, such as status report. 8. A final decision on whether or not to have insurance is made with YES or NO and confirmed. 9. If necessary, an image corresponding to the insurance policy is displayed, stored or output by the confirmation means (28) after the insurance application form or the insurance contract is concluded. Ten. Formal insurance applications or policies are made offline. However, if the law allows, you will create and submit a formal insurance application online and issue your insurance policy online.

Embodiment 2 FIG. 3 shows a fortune information display screen means when the system of the present invention is used.
(23) is an explanatory diagram showing an example of screens on the insurance information display screen means (24) and the insurance participation period input screen means (25).

In this example, the user's fortune based on the user's personal information and the type of fortune-telling is graphically displayed, and the same screen displays the options of the compensation period, the insurance of the non-life insurance at that time. Insurance information such as premium and insurance amount is also displayed. In FIG. 3, for simplicity of explanation, a case is shown in which the enrollment period is set in units of months and the insurance premium is set at two levels of a 3000 yen course and a 1500 yen course.

Third Embodiment FIG. 4 shows a fortune information display screen when the system of the present invention is used.
It is explanatory drawing which showed another example of the screen in (23). In this example, a more detailed fortune is displayed by clicking the corresponding part.

Embodiment 4 FIG. 5 shows a fortune information display screen means when the system of the present invention is used.
FIG. 29 is an explanatory view showing still another example of the screen in (23). In this example, the biorhythm is displayed, and it is possible to go back to the past as well as the future, so that it is possible to verify whether the past event is related to the biorhythm.

Fifth Embodiment A simplified example of a process up to a contract when a portable communication device is used as the user terminal device (2) will be described below.
Of these, the steps after 14 are post-processing steps. 1. Access to fortune-telling sites 2. 2. Fortune-telling choices 3. Enter personal data (including address) Fortunetelling sentence display 5. 5. Display the contents of 4 above in a graph (higher risk year, month, week, and day are highlighted by a graph). 6. It is recommended to purchase non-life insurance or life insurance according to 5 above. 7. Determine the month or day of insurance. Confirmation of contract items 9. Choice of insurance payment method (can be collected as part of the call fee) 10. 10. When giving a present to another person on a birthday, anniversary, etc., return to step 3 above and enter the personal data of the recipient. Enter comments, etc. to the recipient. 12. Specify destinations for insurance policies, fortune-telling graphs, etc. (choose policyholder style, envelope style, etc.) Final confirmation 14． Receive subscriber lists from telecommunications companies and organize other subscriber data 15. Receipt of insurance premium from above 14 (transfer payment etc.) 17. Sending the list of members to each insurance company and transferring insurance premiums, etc. Send insurance policies, fortune-telling graphs, etc. from insurance companies to subscribers, or check on these screens

[0060]

The fortune-linked insurance processing system of the present invention is attractive to consumers and economically less burdensome, while it can attract consumers' attention and acquire new customers for insurance companies. . Hereinafter, the effects of the present invention will be described more specifically.

The insurance processing system of the present invention motivates the consumer to join the insurance system. Such motivation has not been considered in conventional insurance solicitation.

[0062] Since the insurance participation is made on his own, he does not have the negative emotions of so-called in-law participation, and even if he does not take out the insurance by operating it, he can enjoy fortune-telling and becomes familiar with the insurance system. It will also benefit insurance companies in the long run, as opportunities will eliminate resistance to insurance. In addition, for insurance companies, the number of people who take out insurance with a different motive from the conventional insurance solicitation route increases, and there is little danger that insurance coverage through existing routes will decrease.

Since insurance premiums in the case of non-life insurance are often relatively low, from about 1,000 yen to about 10,000 yen, the system of the present invention is particularly designed for a fixed amount (for example, 300 yen).
This is suitable for a case in which a payout period based on fortunes is set as an insurance period, with (0 yen) as an insurance premium.

Fortune telling is often difficult, so even if you call a specialized book, you may not immediately know your fortune. There are not many people who visit specialists directly, and the cost is not cheap. Therefore, a system that can know the fortune by text information service and facsimile service through a mobile phone has been started, and communication fortune-telling using a computer has become popular,
At present, there are several hundred thousand usages per month. According to the present invention, the fortune-telling users, who are probably not very interested in insurance, can know their fortunes, and even if they buy insurance, the demand will be quite large. Can be expected.

If the user of the system according to the present invention looks at the screen of the terminal device together with friends and family, the person also wants to operate himself, so that natural expansion of the user can be expected.

Although there is some interest in insurance, it is often difficult to hear the explanation itself because of the resistance to receiving an explanation from an insurance company person. On the other hand, it is usually impossible to understand commercial commentary books because there are few concrete examples suitable for the person. In such a case, if there is some computer knowledge, the system of the present invention can be operated by himself, and the contents can be viewed through the host computer or directly subscribed,
Apart from not getting insurance, you can get preliminary knowledge about insurance (for example, in the case of accident insurance, you can get a maximum compensation of 10 million yen for a premium of about 50 yen a day).

The insurance premium is composed of a net insurance premium as a portion to be paid for insurance and an additional insurance premium for carrying out insurance management. The additional insurance premium includes business operation costs of the insurance company,
Where various costs such as agency fees are required, the insurance processing system of the present invention directly subscribes through the host computer, so that the portion corresponding to the additional insurance premium can be greatly reduced. Accordingly, the profits of the insurance company are increased by that much, and there is a degree of freedom such as lowering the premium for the reduced portion.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing an example of a device configuration of a fortune-linked insurance processing system of the present invention.

FIG. 2 is a flowchart illustrating an example of a process executed by the apparatus of FIG. 1;

FIG. 3 is an explanatory diagram showing an example of a screen on a fortune information display screen means (23), an insurance information display screen means (24), and an insurance subscription period input screen means (25) when using the system of the present invention.

FIG. 4 is an explanatory diagram showing another example of the screen in the fortune information display screen means (23) when using the system of the present invention.

FIG. 5 is an explanatory diagram showing still another example of the screen in the fortune information display screen means (23) when using the system of the present invention.

[Explanation of symbols]

 (1) Host computer, (11) Fortune data file, (12) Insurance data file, (2) User terminal device, (21) Personal information input screen means for fortune determination, (22) ... Fortune-telling type input screen means, (23) ... Fortune information display screen means, (24) ... Insurance information display screen means, (25) ... Insurance subscription period input screen means, (26) ... Insurance condition input screen means, (27) )… Insurance personal information input screen means, (28)… Confirmation means

Claims (4)

[Claims] 1. A host computer (1) having information on fortunes and information on insurance, and a user terminal (2) accessible to the host computer (1). A fortune-linked insurance processing system characterized in that an insurance subscription period and insurance conditions are determined based on fortune information selected or set by an operation, and a procedure for insurance subscription can be performed. 2. An insurance data file (11) relating to various data necessary for knowing the fortune and an insurance data file (12) relating to various data required for insurance processing, and calculation, recording, management, etc. of insurance business. A terminal device for uploading and downloading between the host computer (1) for performing the above processing and the host computer (1), and inputs the user's personal information necessary for judging fortune. Fortune-telling personal information input screen means (21) for performing fortune-telling, fortune-telling type input screen means (22) for inputting the type of fortune-telling, and the user's fortune information based on the personal information and the type of fortune-telling. Fortune information display screen means (23) for displaying, insurance information display screen means (24) for displaying insurance information corresponding to the fortune information, and insurance enrollment period input screen means for setting an insurance enrollment period based on the insurance information (twenty five) And insurance condition input screen means (26) for setting insurance conditions necessary for other insurance subscriptions, and insurance entry personal information input screen means (27) for inputting personal information required for other insurance subscriptions. ), The user-side terminal device (2) provided with: 3. The fortune according to claim 2, wherein the user terminal further comprises confirmation means for displaying, storing or outputting an image corresponding to an insurance application form or an insurance policy. Linked insurance processing system. 4. The screen of the fortune information display screen means (23) can display fortunes for a certain period in a table, a graph, or a graphic, based on which the user can enter the insurance enrollment period input screen means. 3. The fortune-linked insurance processing system according to claim 2, wherein the insurance participation period can be selectively set according to 25).