JP2003345989A - Network non-life insurance system, telephone call non-life insurance system, telephone network selection device - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide a network non-life insurance system and a call charge non-life insurance system that allow a user to use a communication network including a telephone line network with peace of mind. SOLUTION: There has been an improper operation including theft, falsification and destruction of data on a network connected to a communication network used by an unspecified number of people via a firewall due to unauthorized intrusion into the network. A network casualty insurance system that guarantees damages caused by the fraudulent act, wherein a database in which identification information of the user and insurance premiums of data on the network of the user are registered; Fraud accepting means for receiving the fraudulent user identification information together with the information indicating the fraudulent data, and specifying the insurance premium of the fraudulent data by referring to the database, and And an insurance amount determining means for determining an insurance amount to be paid to the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a non-life insurance system for guaranteeing damages caused in a communication network including a telephone network.

[0002]

2. Description of the Related Art In recent years, ADSL (Asymmetric Digital S)
Broadband lines such as ubscriber line), CATV, and optical fiber have been in the limelight. Along with this, instead of the conventional telephone lines such as NTT, telephones that can make telephone calls at low rates and at a flat rate throughout Japan using a telephone network originally constructed with optical fiber cables etc. Communication services were announced. In addition, since this telephone communication service uses a broadband line, constant connection to the Internet and high-speed data communication are possible. Therefore, intensification of the communication business in this type of communication network technology field is expected in the future.

[0003]

In such a situation, an unauthorized intrusion into a network of a company connected to the Internet via a firewall increases the number of illegal acts such as theft, falsification and destruction of data on the network. Is expected, and there is a concern about the damage caused by this. In addition, there is a concern that the telephone line will be used in combination with a new telephone line in the future, resulting in a loss on call charges.

[0004] In response to such concerns, it is necessary for the user to guarantee such damages in order for the user to use the communication network with peace of mind.

[0005] The present invention has been made in view of the above points, and a network non-life insurance system and a call non-life insurance system that enable a user to use a communication network including a telephone line network with peace of mind. It is another object of the present invention to provide a telephone network selection device.

[0006]

In order to solve the above-mentioned problems, the invention according to claim 1 is directed to a network for a user connected to a communication network used by an unspecified number of people via a firewall. A network property and casualty insurance system that guarantees damages caused by the fraudulent act, including theft, tampering and destruction of data on the network due to unauthorized intrusion. A database in which insurance premiums of data on the user's network are registered, fraudulent receiving means for receiving identification information of the fraudulent user together with information indicating the fraudulent data, and the database; To identify the insurance premium of the fraudulent data and pay the user based on the insurance premium And the insurance amount determination means for determining the insurance amount can be configured to include.

According to the first aspect of the present invention, a communication network (for example, the Internet) cannot be protected by a firewall, and is used by an unspecified number of persons via the firewall.
In the event that there is fraudulent activity, including theft, falsification or destruction of data on the network due to unauthorized intrusion of the user's network from the Internet, the amount of insurance will be determined based on the premium for that data, and the insurance amount Is paid to the user, so that the user can use the communication network used by an unspecified number of people with peace of mind.

According to a second aspect of the present invention, in the network non-life insurance system according to the first aspect, the insurance amount determining means determines an insurance amount to be paid to the user in accordance with a degree of the fraud. The configuration is as follows.

According to the second aspect of the present invention, if the degree of fraud, for example, the degree of data destruction is large, a high insurance amount is determined, and the insurance amount is paid to the user. Therefore, the user can use the communication network used by an unspecified number of people with further assurance.

According to a third aspect of the present invention, in the network non-life insurance system according to the first or second aspect, the insurance amount determined by the insurance amount determining means is paid through the communication network. Notification means for notifying a predetermined terminal on the network of the user to be provided is further provided.

According to the third aspect of the present invention, the user is notified of the insurance amount, so that the user can easily grasp the insurance amount paid to the user.

According to a fourth aspect of the present invention, a telephone call made by using a telephone line network of another telephone operator due to the telephone line network of a telephone operator contracted by a telephone user becoming unavailable. A call fee insurance system for guaranteeing a loss pertaining to a call fee, wherein the telephone user receives information indicating a first call fee caused by using the telephone network of the another telephone operator. Receiving means for calculating a second call charge to be incurred when the telephone user uses the telephone network of the telephone operator contracted by the telephone user instead of the telephone network of the another telephone operator. Calculating means, comparing the first call charge with the second call charge, and if the first call charge is higher, the first call charge and the second call charge are compared with each other. Insurance amount to be paid to the telephone user with the difference of , And insurance amount determination means for determining to be configured to include a.

According to the fourth aspect of the present invention, when the telephone line network of the telephone operator contracted by the telephone user becomes unusable, a call is made when the telephone line network of another telephone operator is used. Even if there is a loss related to charges, the difference between the first call charge and the second call charge is determined as the insurance amount to be paid to the telephone user and is paid to the telephone user. Thus, the telephone user can use the telephone line network with peace of mind.

According to a fifth aspect of the present invention, in the telephone call casualty insurance system according to the fourth aspect, a database in which identification information of the telephone user and accumulated telephone charges to be paid by the telephone user are registered, Call charge determining means for determining an amount obtained by subtracting the insurance amount from the accumulated call charge as a call charge to be charged to the telephone user.

According to the fifth aspect of the present invention, the telephone user pays the insurance amount later than the time when the telephone charge was paid for using the telephone network of another telephone operator. Can be eliminated, and the telephone line network can be used even more safely.

According to a sixth aspect of the present invention, in the telephone call loss insurance system according to the fourth or fifth aspect, the telephone company to which the telephone user has contracted the insurance amount determined by the insurance amount determining means. And a notifying unit for notifying the terminal or the telephone of the telephone user via the telephone line network.

According to the sixth aspect of the present invention, the user is notified of the insurance amount, so that the user can easily grasp the insurance amount paid to the user.

According to a seventh aspect of the present invention, when there is a communication request from a telephone user's telephone or terminal, any one of the first telephone line network and the second telephone line network is determined based on predetermined conditions. A telephone network selecting means for selecting one of the telephone network and establishing the communication line is provided.

According to the seventh aspect of the present invention, communication traffic can be organized, and a more reliable telephone network can be selected.

The invention according to claim 8 is the telephone line network selecting apparatus according to claim 7, wherein the identification information for identifying the telephone or the terminal, the first telephone line network and the second telephone line. A telephone line network use information indicating which telephone line network of the telephone line network is to be used; and a database for storing the telephone line network use information. Identifying the identification information of the telephone or terminal making the communication request with reference to the above, from the telephone line network usage information corresponding to the identification information, the first telephone line network and the second telephone line network It is configured to select one of the telephone line networks.

[0021]

Preferred embodiments of the present invention will be described below with reference to the accompanying drawings.

(First Embodiment) In a first embodiment, an embodiment of a network casualty insurance system according to the first invention will be described. FIG. 1 is a diagram showing a connection state of a user's network and a network non-life insurance system to the Internet.

As shown in FIG. 1, a network 2 of a user (for example, a company) includes a router and an IS (not shown).
Via P (Internet Service Provider) 4
It is connected to the Internet 1 as a communication network used by an unspecified number of people. The network non-life insurance system 3 also includes a router and an ISP (not shown).
4 is connected to the Internet 1.

The user's network 2 can be divided into an external network and an internal network with the firewall 21 as a boundary. The external network is connected to the Internet 1 via the ISP 4 or the like, and stores a Web server 22 having a function of publishing the user's Web page (home page) on the Internet 1 and a mailbox for storing electronic mail. And a mail server 23 having a function of transmitting and receiving the e-mail via the Internet 1 or the like.
In addition, various data owned by the user (for example, data relating to confidential matters of the company) are stored in the internal network,
A database server 24 to be managed and, for example, an employee terminal 25 are provided. Firewall 21
For example, it has a known function for preventing unauthorized intrusion into the internal network from outside by a hacker or a cracker.

It is difficult for such a firewall 21 to completely prevent unauthorized intrusion into an internal network. For example, in the event that there is a fraudulent activity on the internal network, including, for example, theft, falsification, and destruction of data managed by the database server 24, the database server 24 automatically performs such fraudulent activity. Detected and notifies the mail server 23 of the identification information of the user who has been cheated, together with the information indicating the cheated data. And the mail server 23
Transmits the notified information in the form of e-mail to the network casualty insurance system 3 via the Internet 1 or the like.

In the case where fraudulent acts including theft, falsification, and destruction of data managed by the database server 24 have occurred, the user operator discovers the fraudulent acts and operates the mail server 23 by operating the user operators. But,
The identification information of the user who has been cheated may be transmitted to the network casualty insurance system 3 via the Internet 1 or the like in the form of e-mail, together with the information indicating the cheated data.

Next, the network casualty insurance system 3 for guaranteeing the damage caused by the above-mentioned misconduct is operated and managed by, for example, an insurance company, and known hardware resources include a personal computer, a workstation, and a medium-sized machine. A processing unit including a computer such as a computer and a large-sized computer, including a CPU serving as a computer, and a storage unit (IC memory,
Display unit (CR, etc.) that displays information
T, LCD (liquid crystal display device), an input unit (keyboard, mouse, etc.) for receiving selections and instructions from the operator, a communication unit (modem, etc.) necessary for connecting to the Internet 1 and the like.

In the storage unit, a database is logically constructed, and the database stores the identification information (for example, name and identification number) of the user and the insurance premium of the data on the internal network of the user. In addition, information such as a user's address, telephone number, and e-mail address is registered in association with each user. The insurance premium of such data means, for example, the premium paid by the user to the insurance company every month.

Further, the storage unit stores an insurance amount determination processing program. By incorporating this program into the processing unit, the processing unit of the network non-life insurance system 3 can be operated by the fraud receiving means, the insurance amount determination unit, and the like. Means and notification means.

The processing unit of the network non-life insurance system 3 transmits the information indicating the fraudulent data transmitted from the user's mail server 23 and the identification information of the fraudulent user to the communication unit. Accept through.
Next, the processing unit of the network non-life insurance system 3 refers to the database, specifies an insurance premium of the fraudulent data, and determines an insurance amount to be paid to the user based on the insurance premium. . For example, the insurance amount is determined according to the amount of the insurance premium, that is, if the insurance premium is high, the high insurance amount is determined.

The processing unit may be configured to determine an insurance amount to be paid to the user according to the degree of the fraudulent activity. For example, when the degree of data destruction is large, a high insurance amount is determined.

Next, the processing unit notifies the mail server 23 on the user's network of the determined insurance amount via the communication unit and the Internet 1 or the like. After that, the insurance amount is notified from the mail server 23 to a predetermined terminal 25 operated by the user.

The actual payment of the insurance amount is, for example,
This is done by transferring the insurance amount to the user's bank account.

As described above, according to the first embodiment, data cannot be defended by the firewall 21 and theft of data on the internal network by the user via the Internet 1 due to unauthorized intrusion from the Internet 1. In the event of fraudulent activity, including tampering and destruction, the insurance amount will be determined based on the data premium,
Since the insurance amount is paid to the user, the user can use the Internet 1 with confidence.

(Second Embodiment) In a second embodiment, an embodiment of a telephone call damage insurance system according to the second invention will be described. FIG. 2 is a diagram showing a telephone line network including the telephone line network of the telephone company A and the telephone line network B of the telephone company B. In FIG. 2, the telephone line network of the telephone company A and the telephone line network of the telephone company B are constructed by, for example, a metal cable or an optical fiber cable. Telephone offices 7A and 7B are connected to each telephone line network. Further, the telephone station 7A is connected to a telephone 5 of Mr. X who is a telephone user via, for example, a metal cable. In addition, at the telephone office 7B, a telephone 6 of Mr. Y who is a telephone user,
For example, they are connected via a metal cable. Further, a telephone charge insurance system 8 is connected to the telephone office 7A.

The telephone stations 7A and 7B are provided with equipment necessary for telephone communication, such as switching equipment, signal transmission equipment, and call charge calculation equipment. Thereby, for example, a communication line between the telephone 5 and the telephone 6 is established, and telephone communication becomes possible. The telephone stations 7A and 7B are further provided with a line switching device for switching a telephone line network to be used.
It has a function of automatically switching between the telephone network of the telephone operator A and the telephone network of the telephone operator B. For example, when the telephone line network of the telephone company A becomes unavailable due to an accident or maintenance work, the telephone network of the telephone company B is switched to control so that there is no hindrance to telephone communication.

Here, the telephone user X using the telephone 5
However, assuming that a telephone use contract has been made with telephone company A, when telephone 5 makes a call to telephone 6, the telephone communication is performed using telephone line network of telephone company A. However, when the telephone line network of the telephone operator A becomes unavailable, the telephone line network of the telephone operator B is switched to the telephone line network of the telephone operator B by the line switching device, and the telephone communication between the telephone 5 and the telephone 6 This is performed using the telephone network of the operator B.

In such a case, the telephone operator B calculates the telephone charge of the telephone user X by using his own telephone line network by the telephone charge calculating device in the telephone station 7A, and sets the telephone operator A. Billing to the telephone user X via the Internet. If the telephone charge per predetermined time when using the telephone network of telephone operator A is higher than the telephone charge per predetermined time when using the telephone network of telephone operator B, Person X will in fact suffer the high amount of damage. Therefore, the telephone company A adds an insurance for guaranteeing the damage at the time of the telephone use contract so as not to give such damage to the telephone user X.

The call charge calculating device managed by the telephone operator B in the telephone station 7A indicates the first call fee of the telephone user X caused by using the telephone line network of the telephone operator B. The information is transmitted to the call charge insurance system 8.

The call charge nonlife insurance system 8 for guaranteeing the loss related to the call charge is operated and managed by, for example, the telephone company A or an insurance company, and includes hardware resources such as a well-known personal computer, workstation, It is composed of a computer such as a medium-sized computer and a large-sized computer.
LCD (Liquid Crystal Display) etc.), an input unit (keyboard, mouse, etc.) for receiving selections and instructions from the operator, a communication unit necessary for data communication with the telephone station 7A, and the like.

In the storage unit, a database is logically constructed, and the database stores identification information of the telephone user who has made a telephone use contract with the telephone company A (for example,
Information such as a name, an identification number), an integrated call charge to be paid by the telephone user, an address, a telephone number, and an e-mail address of the telephone user are registered in association with each other.

The accumulated call charges to be paid by the telephone user include not only the call charges caused by using the telephone network of the telephone operator A, but also the telephone network of the telephone operator B as described above. Also includes call charges caused by using.

Further, the storage unit stores an insurance amount determination processing program. By incorporating the program into the processing unit, the processing unit of the call charge non-life insurance system 8 can be used as a call charge receiving means, a calculating means. Function as insurance amount determining means.

The processing unit of the call charge non-life insurance system 8 transmits the information indicating the first call charge of the telephone user X transmitted from the call charge calculation device managed by the telephone company B in the telephone office 7A. Accept. The device for transmitting the information indicating the first call charge is not limited to the call charge calculating device managed by the telephone company B in the telephone station 7A, and may be another device.

Next, the processing unit of the call charge non-life insurance system 8 determines that the telephone user X is not the telephone network of the telephone operator B, but the telephone network of the telephone operator A contracted by the telephone user X. Calculate the second call charge that should be incurred when using. For example, the processing unit of the call charge non-life insurance system 8 stores the call charge per unit time of the telephone operator B in the storage unit in advance, and based on the call charge and the first call charge, The use time of the telephone line network of B is calculated, and the second call charge is calculated based on the use time and the call charge of the telephone company A per unit time.

Next, the processing unit of the call charge insurance system 8 compares the first call charge with the second call charge,
If the first call charge is higher, the difference between the first call charge and the second call charge is determined as damage to be paid to telephone user X as damage. Then, the processing unit notifies the determined amount of insurance to the telephone 5 of the telephone user X by facsimile via the communication unit, or notifies the terminal of the telephone user X (not shown) by e-mail. The actual payment of the insurance amount is performed, for example, by transferring the insurance amount to the bank account of the telephone user.

As described above, according to the second embodiment, the telephone network of the telephone operator B is used because the telephone network of the telephone operator A contracted by the telephone user X becomes unavailable. In this case, even if the telephone user X pays a higher call fee than when the telephone user X uses the telephone network of the contracted telephone operator A, the amount paid for the insurance will be insured. Since the amount is paid to the telephone user X, the telephone user can use the telephone network with confidence.

The processing unit of the call fee non-life insurance system 8 requests the telephone user X for an amount obtained by subtracting the calculated insurance amount from the accumulated call fee to be paid by the telephone user X registered in the database. You may be comprised so that it may be determined as the call charge which should be performed. As a result, the telephone user X will be charged for the call fee from which the insurance amount has been deducted in advance, so that the telephone user X will be charged for using the telephone line network of the telephone operator B. It is possible to eliminate the discomfort caused when the insurance amount is paid after the time when the payment was made, and to use the telephone line network more securely.

(Third Embodiment) In a third embodiment, an embodiment of a telephone line network selecting apparatus according to the third invention will be described with reference to FIG. The telephone line network selecting device is installed in each telephone station, and receives a communication request from a telephone user's telephone or a terminal (not shown) based on predetermined conditions. The communication line is established by selecting one of the telephone line network of the telephone company A as the network and the telephone line network of the telephone company B as the second telephone line network. ing.

For example, when there is a request from the telephone 5 to the telephone 6 to the telephone station 7A, the telephone network selection device selects the telephone network of the telephone carrier A, and 6 is established. Conversely, for example, when a request to make a call from the telephone 6 to the telephone 5 is made at the telephone station 7B, the telephone network selection device selects the telephone network of the telephone operator B, and 5 and a communication line is established. That is, from the perspective of the telephone 5,
The telephone line network used for making a call and for receiving a call will be different. For example, the telephone line network selecting device stores identification information for identifying a telephone (here, telephones A and B) or a terminal, telephone company A's telephone line network and telephone company B's This can be realized by providing a database that stores the telephone line network usage information indicating which telephone line network of the telephone line network to use in association with it. That is, the telephone line network selection device
When there is a request to make a call, the identification information of the telephone making the request is specified with reference to this database, and from the telephone line network usage information corresponding to the identification information,
One of the telephone network of the telephone company A and the telephone network of the telephone company B is selected to establish a communication line.

As described above, according to the third embodiment, communication traffic can be organized and a more reliable telephone network can be selected.
The telephone network can be used with confidence.

[0052]

As described above, according to the first aspect, a network of a user from a communication network (for example, the Internet) which cannot be protected by a firewall and is used by an unspecified number of persons via the firewall. In the event that fraudulent activity, including theft, tampering, and destruction of data on the network due to unauthorized intrusion into the network, the amount of insurance will be determined based on the insurance premium for that data, and the amount of insurance will be paid to the user. Therefore, the user can use the communication network used by an unspecified number of people with peace of mind.

According to the second aspect of the present invention, the telephone line network of the telephone operator contracted by the telephone user becomes unusable, so that when the telephone line network of another telephone operator is used, the telephone charge is reduced. Even if damages related to
Is determined as the insurance amount to be paid to the telephone user and paid to the telephone user, so that the telephone user can use the telephone network with confidence.

According to the third aspect of the present invention, communication traffic can be reduced and a more reliable telephone network can be selected.

[Brief description of the drawings]

FIG. 1 is a diagram showing a connection state of a user's network and a network non-life insurance system to the Internet.

FIG. 2 is a diagram showing a telephone line network including a telephone line network of a telephone company A and a telephone line network B of a telephone company B;

[Explanation of symbols]

1. Internet 2. User network 3. Network non-life insurance system 4 ... ISP 5,6… Telephone 7A, 7B… Phone office 8: Call charge non-life insurance system 21 ... Firewall 22 Web server 23 ... Mail server 24 ... Database server 25 ... Terminal

   ────────────────────────────────────────────────── ─── Continuation of front page    (72) Inventor Kazuhiko Iizuka             1-19-37 Nishiki, Nerima-ku, Tokyo F term (reference) 5K025 AA07 BB10

Claims (8)

[Claims] 1. An unauthorized intrusion into a user's network, which is connected to a communication network used by an unspecified number of people via a firewall, includes theft, falsification and destruction of data on the network. A network non-life insurance system that guarantees damages caused by the fraudulent activity in the event that the fraudulent activity has occurred, wherein a database in which identification information of the user and an insurance premium of data on the network of the user are registered; Fraud accepting means for receiving the fraudulent user identification information together with the information indicating the fraudulent data, and specifying the insurance premium of the fraudulent data by referring to the database, and based on the insurance premium Insurance amount determining means for determining an insurance amount to be paid to the user. Network property and casualty insurance system. 2. The network non-life insurance system according to claim 1, wherein said insurance amount determining means determines an insurance amount to be paid to said user according to a degree of said fraudulent activity. Insurance system. 3. The network non-life insurance system according to claim 1, wherein the insurance amount determined by the insurance amount determining means is transferred via the communication network to a network of a user who should pay the insurance amount. A network non-life insurance system, further comprising a notification unit for notifying a predetermined terminal. 4. The loss of the telephone charge caused by using the telephone network of another telephone operator by making the telephone network of the telephone operator contracted by the telephone user unavailable. A call fee non-life insurance system, comprising: a call fee receiving unit for receiving information indicating a first call fee generated by the telephone user using the telephone network of the another telephone company; Calculating means for calculating a second call charge that should be incurred when the user uses the telephone network of the telephone operator contracted by the telephone user instead of the telephone network of the another telephone operator; Is compared with the second call charge, and if the first call charge is higher, the difference between the first call charge and the second call charge is regarded as a damage to the telephone call. Insurance amount decided as the insurance amount to be paid to the user Setting means,
A call charge non-life insurance system comprising: 5. The call charge non-life insurance system according to claim 4, wherein: a database in which identification information of the telephone user and accumulated call charges to be paid by the telephone user are registered; A call charge determining means for determining a deducted amount as a call charge to be charged to the telephone user. 6. The telephone call loss insurance system according to claim 4, wherein the insurance amount determined by the insurance amount determining means is transferred via a telephone line network of a telephone carrier contracted by the telephone user. ,
A call fee non-life insurance system further comprising a notification unit for notifying a terminal or a telephone of the telephone user. 7. When a communication request is received from a telephone or a terminal of a telephone user, one of the first telephone network and the second telephone network is switched based on a predetermined condition. A telephone line network selecting device comprising a telephone line network selecting means for selecting and establishing the communication line. 8. The telephone network selecting apparatus according to claim 7, wherein identification information for identifying said telephone or said terminal, and which one of said first telephone network and said second telephone network is used. A telephone line network use information indicating whether to use a line network, and storing the database in association with the telephone line network use information, wherein the telephone line network selecting means refers to the database when the communication request is made, and The identification information of the telephone or terminal that performed the communication is specified, and one of the first telephone network and the second telephone network is determined from the telephone network usage information corresponding to the identification information. A telephone line network selection device, characterized by selecting: