Researchers Submit Patent Application, “Terminal Device, Information Processing Method, Program, Relay Server, And Insurance Business Server”, for Approval (USPTO 20240202831): Sony Group Corporation
2024 JUL 05 (NewsRx) -- By a
The patent’s assignee is
News editors obtained the following quote from the background information supplied by the inventors: “Conventionally, in order for a user to conclude a contract for an insurance product, it has been necessary to examine an insurance product provided by each insurance company and perform selection, comparison, and the like, which requires effort and time. For this reason, Patent Document 1 discloses a computer system that proposes, to a client, a product or a service that meets a client’s potential or original needs.”
As a supplement to the background information on this patent application, NewsRx correspondents also obtained the inventors’ summary information for this patent application: “SUMMARY:
“Problems to be Solved by the Invention
“Meanwhile, in the computer system of Patent Document 1, a risk concerning a client is identified on the basis of personal information on the client and an answer to a question to the client, and at least one commodity or service to be proposed to the client is determined on the basis of the risk. For this reason, the proposal of the insurance product cannot be received unless the personal information is provided.
“Therefore, an object of the present technology is to provide a terminal device, an information processing method, a program, a relay server, and an insurance business server that can receive a proposal of an optimal insurance product on the basis of information that does not allow identification of an individual.
“Solutions to Problems
“A first aspect of the present technology is
“
“a terminal device including:
“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 the 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.
“
“In the present technology, the communication unit communicates with: the relay server 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 configured to transmit insurance proposal information indicating an insurance product selected on the basis of the anonymized sensing information. The information collection unit configured to collect sensing information acquires information regarding physical activity of the user as the sensing information. The user interface unit presents, to the user, the insurance proposal information informed from the insurance business server via the relay server.
“The control unit controls operations of the communication unit and the user interface unit, and transmits sensing information of a user verified by user authentication processing to the relay server without including personal information. Furthermore, 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.
“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. Furthermore, the control unit transmits the sensing information to the relay server when the sensing information for a predetermined period is collected.
“Moreover, after conclusion of a contract of an insurance product proposed by the insurance proposal information, the control unit provides sensing information to the insurance business server without via the relay server, and the control unit presents, on the user interface unit, follow-up information that is provided from the insurance business server after conclusion of the contract and is related to an insurance product for which the contract is concluded.
“A second aspect of the present technology is
“
“an information processing method including:
“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 the 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.
“
“A third aspect of the present technology is
“
“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 the 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 the basis of the insurance proposal information.
“
“Note that the program of the present technology is, for example, a program that can be provided to a general-purpose computer capable of executing various programs or codes by a storage medium provided in a computer-readable format, a communication medium, for example, a storage medium such as an optical disk, a magnetic disk, a semiconductor memory, or the like, or a communication medium such as a network or the like. By providing such program in the computer-readable form, processing according to the program is implemented on the computer.
“A fourth aspect of the present technology is a relay server including:
“
“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 insurance business server to a terminal device that is a providing source of the sensing information, in response to provision of the anonymized sensing information to the insurance business server.
“
“A fifth aspect of the present technology is an insurance business server including:
“
“an insurance business processing unit configured to perform processing of generating insurance proposal information on the 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 the basis of the insurance proposal information.
“
The claims supplied by the inventors are:
“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.”
For additional information on this patent application, see: HORI, Yasuhiro; MIYAZAKI, Kazumasa; MORI, Masashi. Terminal Device, Information Processing Method, Program, Relay Server, And Insurance Business Server.
(Our reports deliver fact-based news of research and discoveries from around the world.)
Findings in Risk Management Reported from University of Wisconsin Madison (Analysis of the Guiding Role of Futures Markets in Agricultural Development): Risk Management
Researchers Submit Patent Application, “Modeling Of Complex Systems Using A Distributed Simulation Engine”, for Approval (USPTO 20240202834): Patent Application
Advisor News
- Year-end planning errors retirees should avoid
- Social cultivation: How to talk with wealthy prospects
- How important is a written financial plan?
- Coalition wants to advise people impacted by policy changes in new administration
- Diagnosing miscommunication in retirement planning
More Advisor NewsAnnuity News
Health/Employee Benefits News
- What your generation needs to know
- Studies in the Area of Human Papillomavirus Vaccines Reported from University of Connecticut (Accountable Care Organizations and Hpv Vaccine Uptake: a Multilevel Analysis): Immunization and Public Health – Human Papillomavirus Vaccines
- New attempt made to drop circumcision from Medicaid coverage in NH
- National Health Insurance Service Ilsan Hospital Reports Findings in Pneumothorax (Impact of Deep Learning-Based Computer-Aided Detection and Electronic Notification System for Pneumothorax on Time to Treatment: Clinical Implementation): Respiratory Tract Diseases and Conditions – Pneumothorax
- YMCA Produce Prescription Project (YPRx): Clinical Trial Identifier NCT06695104
More Health/Employee Benefits NewsLife Insurance News