Abstract: To provide a system for taking out an insurance policy which uses a communication navigation system utilizing an Internet. A terminal apparatus transmits a destination or a route that is set based on an instruction of a user to a server apparatus via the Internet. The server apparatus retrieves stored insured contents according to a purpose of travel or a traveling state that is received from the terminal apparatus to prepare an insurance list and transmits this insurance list to the terminal apparatus via the Internet.

Abstract: A system and method making use of a network to exchange points issued by various companies. This invention makes use of a network to allow consumers to exchange their points issued by one source for use at a minimum of one website for points issued by and for use at a minimum of at least one other website, following reviewing the exchange rates set between the two kinds of issued points. The site at which this exchange transaction takes place has a database of its own as would both issuing sites make use of databases to monitor the proper holder of or verify the value of various issued points. Points are then transferred at rates set by the exchange transaction site according to agreements reached with the issuing companies. Customers are then enabled to use the points that they acquire by exchange.