TERMINAL DEVICE, INFORMATION PROCESSING METHOD, PROGRAM, RELAY SERVER, AND INSURANCE BUSINESS SERVER

20240202831

18/287127

January 04, 2022

A terminal device 20 collects sensing information to be used for selection of an insurance product, and transmits the sensing information to a relay server 30. The relay server 30 anonymizes sensing information acquired from the terminal device 20, and provides the sensing information to an insurance business server 40. The insurance business server 40 generates insurance proposal information indicating an insurance product selected on the basis of the anonymized sensing information, and transmits the insurance proposal information to the relay server 30. The relay server 30 transfers the insurance proposal information transmitted from the insurance business server 40, to the terminal device 20 that is a providing source of the sensing information. A user can easily receive a proposal for an insurance product optimal for the user's activity or the like from one or plurality of insurance companies, without providing personal information or the like. Furthermore, the insurance company can propose a detailed insurance product according to the user.

Sony Group Corporation (Tokyo, JP)

1. A terminal device comprising: a communication unit configured to communicate with a relay server and an insurance business server, the relay server being configured to anonymize sensing information to be used for selection of an insurance product and provide the sensing information to the insurance business server, and the insurance business server being configured to transmit insurance proposal information indicating an insurance product selected on a basis of the anonymized sensing information; a user interface unit configured to present, to a user, the insurance proposal information informed from the insurance business server via the relay server; and a control unit configured to control operations of the communication unit and the user interface unit.

2. The terminal device according to claim 1, wherein the control unit controls the communication unit to communicate with the insurance business server without via the relay server, in response to a user operation on the insurance proposal information presented by the user interface unit.

3. The terminal device according to claim 2, wherein after conclusion of a contract of an insurance product proposed by the insurance proposal information, the control unit provides the sensing information to the insurance business server without via the relay server.

4. The terminal device according to claim 3, wherein the control unit presents, on the user interface unit, follow-up information regarding an insurance product for which the contract is concluded, the follow-up information being provided from the insurance business server after conclusion of the contract.

5. The terminal device according to claim 1, wherein the control unit transmits the sensing information of a user verified by user authentication processing, to the relay server.

6. The terminal device according to claim 1, wherein the control unit transmits the sensing information to the relay server without including personal information of the user.

7. The terminal device according to claim 1, further comprising: an information collection unit configured to collect the sensing information, wherein the information collection unit acquires information regarding physical activity of the user as the sensing information.

8. The terminal device according to claim 7, wherein in a case where position information is collected by the information collection unit, the control unit uses a type of a facility identified by the position information as the sensing information.

9. The terminal device according to claim 1, wherein the control unit transmits the sensing information to the relay server when the sensing information for a predetermined period is collected.

10. An information processing method comprising: communicating with a relay server and an insurance business server by using a communication unit, the relay server being configured to anonymize sensing information to be used for selection of an insurance product and transfer the sensing information to the insurance business server, and the insurance business server being configured to transmit insurance proposal information indicating an insurance product selected on a basis of the anonymized sensing information; informing, to a user, the insurance proposal information informed from the insurance business server via the relay server, by using a user interface unit; and controlling operations of the communication unit and the user interface unit by using a control unit.

11. A program for causing a computer to execute purchase of an insurance product, the program causing the computer to execute: a procedure of transmitting sensing information to a relay server configured to anonymize the sensing information to be used for selection of the insurance product and transfer the sensing information to an insurance business server; a procedure of acquiring insurance proposal information transmitted via the relay server from the insurance business server configured to transmit the insurance proposal information indicating an insurance product selected on a basis of the anonymized sensing information; a procedure of informing, to a user, the insurance proposal information informed from the insurance business server via the relay server, by using a user interface unit; and a procedure of performing an insurance contract between with the insurance business server in response to a user operation, on a basis of the insurance proposal information.

12. A relay server comprising: a relay control unit configured to anonymize sensing information supplied from a terminal device that collects sensing information to be used for selection of an insurance product, provide the sensing information to one or plurality of insurance business servers, and transfer insurance proposal information informed from the one or plurality of insurance business servers to a terminal device that is a providing source of the sensing information, in response to provision of the anonymized sensing information to the one or plurality of insurance business servers.

13. The relay server according to claim 12, wherein in the anonymization, the relay control unit replaces identification information indicating a terminal device that has collected the sensing information with relay identification information.

14. The relay server according to claim 13, wherein the relay control unit returns the relay identification information used for informing the insurance proposal information to the identification information, and transfers the insurance proposal information to a terminal device that is a providing source of the sensing information.

15. The relay server according to claim 12, wherein for each insurance business server, sensing information to be used for selection of the insurance product is selected from the supplied sensing information, and provided.

16. An insurance business server comprising: an insurance business processing unit configured to perform processing of generating insurance proposal information on a basis of sensing information provided from a relay server, and transmitting the insurance proposal information to the relay server, the relay server being configured to anonymize sensing information to be used for selection of an insurance product, and the insurance business processing unit being configured to perform insurance conclusion processing between with a terminal device in which a contract request is made on a basis of the insurance proposal information.

17. The insurance business server according to claim 16, wherein the insurance business processing unit selects a proposed insurance product on a basis of the sensing information, and generates the insurance proposal information indicating the proposed insurance product and an insurance contract destination.

18. The insurance business server according to claim 16, wherein the insurance business processing unit generates follow-up information regarding an insurance product for which an insurance contract has been concluded on a basis of sensing information supplied from a terminal device of a user who has concluded an insurance contract on a basis of the insurance proposal information, and the insurance business processing unit transmits the follow-up information to the terminal device of the user who has concluded the insurance contract.

19. The insurance business server according to claim 18, wherein the insurance business processing unit generates follow-up information indicating impartation of an incentive in a case where a risk based on the sensing information is lower than a risk range assumed in an insurance product for which an insurance contract is concluded, and the insurance business processing unit generates follow-up information indicating that a condition of insurance renewal is disadvantageous in a case where a risk is high.

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edspap.20240202831