JP2002024553A - System for calculating automobile insurance premium and method for the same and computer readable medium having its program recorded thereon - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automobile insurance premium calculating system capable of reducing costs required for the payment of the automobile insurance and further improving the variety of the automobile insurance merchandise. SOLUTION: This automobile insurance premium calculating system is provided with an automobile insurance premium calculating means for calculating the paid insurance of an automobile on the basis of basic data preliminarily set for calculating the basic insurance of an automobile and operating situation data indicating the operating situation of an automobile.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automobile insurance premium calculation system for calculating an automobile insurance premium.

[0002]

2. Description of the Related Art Auto insurance is broadly divided into auto liability insurance, for which a contract is obligated by law, and voluntary auto insurance, which can be arbitrarily contracted. In the case of accidental injury or death caused by driving a car, CALI is paid according to the damages within the limits set by laws and regulations.

[0003] On the other hand, the voluntary automobile insurance contracts are voluntary, and the contents thereof are also various. For example, personal liability insurance to compensate for personal injury that exceeds the insurance money paid by self-liability insurance; is there.

[0004] Generally, an individual or a corporation that owns a car contracts with the automobile insurance company for the above-mentioned liability insurance or voluntary car insurance for the car it owns. Among the corporations that contract automobile insurance, examples of companies in which having a car is indispensable for the business of the company include a rental car company and a transportation company.

[0005] A rental car company always has a plurality of types of automobiles (hereinafter referred to as "rental cars"), and its business content is to lend a rental car desired by a user under certain conditions. Users can choose the type of car rental, time,
By paying a rental fee according to a schedule or the like, the car can be used instead of purchasing the car. The types of rental cars include, for example, automobiles for individuals (regular cars, mini cars, sports cars, etc.)
And commercial vehicles (truck, dump truck, etc.).

[0006] Such a rental car company needs to purchase a plurality of types of automobiles in advance according to the desires and uses of the user and to own them. Must be contracted.

[0007] Here, in the conventional insurance industry, there is an obligation to use a predetermined calculation fee rate, so that all insurance companies provide products (auto insurance) at the same insurance rate. Specifically, for example, the car insurance premium is calculated according to a predetermined insurance rate for “vehicle type / insurance amount / insurance period”.

[0008] Car insurance is mainly contracted annually. Therefore, the rental car company pays one year's worth of automobile insurance premiums for all the rental cars owned by the company according to the predetermined number of divisions. For example, if the number of divisions is “12 times / year”, the rental car company:
One year's car insurance premium divided by December was paid as a fixed monthly premium.

[0009]

However, such a conventional car insurance contract method has the following problems.

First, since the conventional automobile insurance premium is calculated based on predetermined conditions, there is a problem that the cost to be paid for the automobile insurance is relatively high depending on the use condition of the automobile. there were.

In general, automobile insurance is paid by an automobile insurance company to a policyholder when a car accident occurs. As described above, factors such as “vehicle type / insurance amount / insurance period” are considered in the calculation of the automobile insurance premium. However, the incidence of car accidents also fluctuates according to the usage of the car.

[0012] Also, a rental car company owns a plurality of types of automobiles at once and lends them to users, but the usage status of each rental car varies depending on the type of rental car and the entity that rents the rental car. It is. For example, in the case of ordinary cars that are easily used by individuals, they are often used on average throughout the year except during the travel season. However, commercial vehicles that are easily used by corporations, such as 4t used for public works, etc.
Trucks, dump trucks, and the like are characterized in that their use is likely to be concentrated in the season in which public works are conducted. In particular, public works often take place around March. Therefore, there is a usage situation in which the use of the rental car is concentrated in the period during one year, and the vehicle is hardly used in other periods (for example, at the end of the year) and sleeps in the garage.

However, even in such a case, the rental car company needs to contract insurance for all the cars it owns. That is, for example, for a rental car that is actually used only for six months of the year, the rental car company will pay one year's premium. Therefore, there is a problem that the cost required to pay an automobile insurance fee becomes extremely high depending on the use status of the rental car.

Secondly, in the conventional automobile insurance industry, there was an obligation to use a predetermined automobile insurance rate, so that all insurance companies offered products at the same insurance rate. Therefore, even if the rental car company contracts car insurance, there is no big difference in the contents and services of the car insurance company's products,
There was little choice for car insurance products.

However, in recent years, the deregulation such as the liberalization of insurance premiums has allowed the contents of insurance premiums to be freely set, and competition in the automobile insurance industry has intensified. And with the intensification of this competition, new products for car insurance are appearing one after another.

For example, as for automobile insurance products for individuals, fine-grained insurance premium calculation standards have been introduced, and products have been developed in which the risk of accident occurrence is finely classified according to region, age, vehicle type, use purpose, and the like. Therefore, the user who contracts the car insurance, from the diversified car insurance,
It is becoming possible to select the most suitable car insurance for oneself.

However, unlike such personal car insurance, for example, car insurance for corporations such as car rental companies has not been diversified in product. For this reason, there is a problem that the rental car company is forced to select an automobile insurance within a predetermined frame as in the past, instead of a car insurance corresponding to the actual situation of the rental car company.

As described above, a first object of the present invention is to provide an automobile insurance premium calculation system capable of reducing the cost required for automobile insurance payment.

A second object of the present invention is to provide an automobile insurance calculation system capable of further diversifying automobile insurance products.

[0020]

When calculating an automobile insurance premium, it is desirable to calculate an optimal insurance premium for each user in consideration of various calculation criteria. This is because the risk of occurrence of a car accident and the like differ depending on the state of the car and the conditions of the person who drives the car. For example,
Insurance premiums for cars and users with a high risk of accidents are set high, while insurance premiums for vehicles and users with a low risk of accidents are likely to be set low.

Here, considering the situation of the automobiles owned by the above-mentioned rental car companies, it can be said that a rental car which is not used because it is merely sleeping in the garage has a very low accident rate.

Therefore, the present invention has been made in view of such features of a rental car, and employs the operating status data of a car as a new standard for calculating insurance premiums. Examples of operating status data include:
For example, there are the number of operating days and the mileage of a car.

Further, as a method of calculating the insurance premium using the operation status data, for example, there is the following method. First, the “basic premium” of car insurance based on the same conditions as before
Is determined. Then, the “(actual) paid premium” is calculated by modifying the basic premium according to the number of working days and the mileage.

[0024] According to this, the paid insurance premium is higher than the basic insurance premium for an automobile with a high usage status, and the paid insurance premium is lower than the basic insurance premium for an automobile with a low usage status. Therefore, it is possible to calculate the insurance premium according to the actual use condition of the vehicle. In addition, the cost required for paying the insurance premium can be reduced as compared with the case where the insurance premium is paid uniformly for a vehicle whose usage status is small.

Further, when variable data such as vehicle operation status data is adopted as the insurance premium calculation standard, the reliability of the data may become a problem. For example, car insurance policyholders can check the operating status (operating days and mileage)
By reporting false data on, it is possible to lower the cost of car insurance. However, even in such a case, it is difficult for the insurance company to grasp the authenticity of the operation status data.

Therefore, in the present invention, in order to secure the reliability of the operation status data, the car management and sales management system of the rental car company, and the insurance premium calculation system,
It is to be linked.

Normally, a rental car company has sales offices in each region, and each sales office manages the status of the actual rental car (whether or not it is rented) and the sales status of each rental car. . This is because, in order to smoothly lend a rental car to a user, it is necessary to grasp what state the rental car owned by the user is currently in.

Therefore, if the system relating to the business of the rental car company is linked with the insurance premium calculation system, it is possible to ensure the reliability of the data used as the insurance premium calculation reference.

More specifically, the sales of the business office are calculated based on the actual vehicle management data (operation information, etc.) input from each business office. Was calculated.

That is, the automobile insurance premium calculation system according to the present invention is based on the basic data set in advance for calculating the basic insurance premium of an automobile and the operating status data indicating the operating status of the automobile. It is characterized by comprising an automobile insurance premium calculating means for calculating the insurance premium paid for the automobile.

Further, the operating status data is the number of operating days and the number of mileage of the automobile.

As a result, since the operation status data of the vehicle is adopted as a new standard for calculating the insurance premium, it is possible to calculate the insurance premium according to the usage status of the vehicle. In addition, the vehicle owner can reduce the cost of paying insurance premiums for vehicles whose usage is low.

The car insurance calculating means may calculate basic insurance premiums for a predetermined period from the basic data, and may calculate the basic insurance premium calculated by the basic insurance calculating means into the operating status data. It is characterized by comprising paid insurance premium calculating means for calculating the paid insurance premium by correcting based on the above.

Further, the correcting means calculates the number of non-operating days within the fixed period from the operating status data, and subtracts the basic insurance premium for the non-operating days from the basic insurance premium to thereby provide the paid insurance premium. Is calculated. Further, the correction means calculates the number of mileage of the vehicle from the operation status data, and calculates a premium to be paid by multiplying the basic insurance premium by a mileage coefficient corresponding to the number of mileage. And

Further, the automobile insurance premium calculation system according to the present invention includes sales calculation means for calculating the sales of the rental car based on a rental fee predetermined for each type of rental car and the number of operating days of the rental car, The car insurance premium calculating means calculates the insurance premium paid for the car based on basic data set in advance for calculating the basic insurance premium for the car and the number of operating days of the rental car used by the sales calculating means. It is characterized in that it is calculated.

Thus, the operating status data, which is the basis for calculating the premium, is linked to the sales data of the vehicle owner, so that the reliability of the operating status data can be ensured.

Further, the automobile insurance mediation system according to the present invention comprises: a receiving means for receiving operating status data of a vehicle from a terminal of a business office; basic data set in advance for calculating a basic insurance premium of the vehicle; A calculation unit configured to calculate the premium paid for the vehicle based on the operating status data received by the reception unit; and a transmission unit configured to transmit the premium payment data calculated by the calculation unit to a terminal of an insurance company. It is characterized by the following.

That is, since the automobile insurance premium is calculated based on the data inputted from the business office and transmitted to the insurance company, the data on the automobile insurance is smoothly exchanged between the business office and the insurance company. Will be sent and received. Car insurance premiums calculated by third parties (eg, brokers)
Makes it possible to improve the reliability of the insurance premium.

[0039]

Embodiments of the present invention will be described below in detail with reference to the drawings. In this embodiment, a car rental company will be described as an example.
The present invention is not limited to this, and can be applied to, for example, a transportation company or a moving company.

(Summary of Configuration of Auto Insurance Calculation System) FIG. 1 functionally shows the configuration of an automobile insurance calculation system according to an embodiment of the present invention. As shown in FIG. 1, the automobile insurance premium calculation system 100 includes a data registration unit 1, an actual vehicle management unit 2, a sales management unit 3, an insurance management unit 4, a management database (hereinafter, referred to as a “management DB”) 10, Real vehicle database (hereinafter, “real vehicle DB”)
Call. ) 11, sales database (hereinafter, "sales D
B ". ) 12, an insurance database (hereinafter referred to as “insurance DB”) 13. The data registration unit 1, the actual vehicle management unit 2, the sales management unit 3, and the insurance management unit 4 are configured to be able to access each database such as the sales DB 12.

The data registration means 1 stores predetermined data necessary for using the present system 100 in advance in the business office 20.
It mainly has the function of receiving from 0 and registering it.
The actual vehicle management means 2 mainly has a function of receiving daily actual vehicle information data transmitted from the business office 200 and registering the data. The sales management means 3 mainly has a function of calculating the monthly sales of each sales office, and transmitting the result when there is a request from the sales office 200 or the head office 300. The insurance management means 4 mainly has a function of reading out operation information serving as an insurance premium calculation standard from sales information of a business office and calculating a monthly automobile insurance premium.

(Overview of Data Structure in Auto Insurance Calculation System) Next, each DB in the system 100
Will be described.

The management DB 10, which is the first DB, is used to store in advance data necessary for the system 100 to manage the actual vehicle status and sales of each business office. It has a management table, a business office table, and the like.

FIG. 2 is a diagram showing a data structure of an automobile management table provided in the management DB 10. The car management table stores data related to cars owned by the sales office, such as “vehicle number”, “vehicle type”,
Items such as “new registration”, “next car inspection”, “price”, “rental fee / day”, “mileage (Km)”, and “management office” are provided. In the present system 100, processing of monthly sales and insurance premium calculation is mainly performed using the "vehicle number" as a key. The “mileage” is updated according to the actual vehicle situation on a daily basis.

FIG. 3 is a diagram showing a data structure of a customer management table provided in the management DB 10. The customer management table stores data relating to customers who rent a car. For example, “customer number”, “name”, “address”, “E-mail”, “discount coefficient”, and “management office” "
Items such as are provided. The "discount coefficient" is a discount coefficient of the amount charged to the customer.

FIG. 4 is a diagram showing a data structure of a sales office table included in the management DB 10. The office table stores data on each office, and includes, for example, items such as “store number”, “office name”, “address”, “person in charge”, and “telephone”. I have. In the present system 100, data of each business office is managed using the “store number” as a key.

An actual vehicle DB 11, which is a second DB, is for storing data relating to actual vehicle information of a business office. For example, lending each vehicle transmitted from a terminal of each business office as part of daily work Store the information.

FIG. 5 is a diagram showing a data structure of the actual vehicle DB 11. The actual vehicle DB 11 includes items such as “management office”, “vehicle number”, “date”, “customer number”, and “mileage (km)”. From these data, it is possible to grasp the daily actual vehicle status (when, which vehicle was lent to which customer, how much mileage, etc.).

The sales DB 12, which is a third DB, is for storing data relating to sales at each sales office.
For example, sales data for each vehicle calculated based on the data in the actual vehicle DB 11 is stored for each month.

FIG. 6 is a diagram showing data structures of a monthly sales table and a customer sales table of the sales DB 12, respectively. In the monthly sales table, sales data of the accounting month is stored in units of vehicle numbers, for example, such as “management office”, “accounting month”, “vehicle number”, “days”, and “current month sales”. Items are provided. "Days"
Is the number of operating days in the month in which the vehicle number is recorded,
It is calculated from the actual vehicle DB11. Therefore, "this month sales"
Is the “days” calculated from the actual vehicle DB 11 and the management DB
The result is obtained by multiplying “rental fee / day” read from 10.

The sales table for each customer stores sales data for each customer for each accounting month. For example, “management office”, “accounting month”, “customer number”, “days”, and “ Items such as “This month sales” are provided. “Days” is the number of rental days of the customer in the accounting month.
The “current month sales” is calculated by multiplying the “number of days” by the “rental fee / day” read from the management DB 10, and is the amount charged to the customer.

The insurance DB 13, which is a fourth DB, is for storing data relating to automobile insurance premiums, and has, for example, a vehicle-specific condition table and a mileage table in which insurance premium calculation conditions are set. .

FIG. 7 is a diagram showing a data structure of a vehicle-specific condition table included in the insurance DB 13. The vehicle-specific condition table stores basic conditions for calculating the basic insurance premium for each vehicle number. For example, “vehicle number”, “main contract”, “special contract”, “vehicle class (base ) ",
Items such as “vehicle class (vehicle)”, “use”, “personal compensation”, “objective compensation”, and “disclaimer” are provided.
Base premiums vary depending on the content of these items. For example, the larger the amount of “interpersonal compensation”, the larger the amount of basic insurance premium.

Data necessary for calculating a specific amount of the basic premium is stored in a basic premium table (not shown). In the case of a so-called fleet contract (a contract applied when a certain number or more of vehicles are owned), the basic insurance premium is calculated in consideration of data in a fleet contract condition table (not shown). For example, "total number"
Premiums are discounted according to the content of “Last year's loss ratio”, “Premium payment method”, “Insurance period”, etc. In the present system 100, the calculated basic insurance premium is corrected according to the actual vehicle status data (the number of operating days and the number of mileage).

FIG. 8 is a diagram showing a data structure of a mileage table provided in the insurance DB 13. The mileage table stores data for correcting the basic insurance premium according to the mileage of the vehicle, and includes items such as “mileage (km)” and “coefficient”. In the present system 100, in view of the fact that the accident occurrence rate often increases as the number of mileage of the car increases,
The value of the “coefficient” is set to increase in proportion to the value of the “travel distance (km)”. That is, since the coefficient becomes smaller as the traveling distance becomes shorter, the basic insurance premium is further discounted.

(Functions and Operation of Auto Insurance Calculation System) The system 100 manages a function as a so-called Web server for transmitting predetermined data in response to a data transmission request from the business office 200 or the like, and a database. It has a function as a so-called database server. Further, it has a so-called firewall function for protecting the system 100 against unauthorized access from the outside. In addition, a conventional database technology such as a relational database can be used for managing and searching the data of each DB.

Here, the automobile insurance premium calculation system 100 according to the present embodiment defines the operation of each of the above means in a processing device having a general configuration including control means, input means, storage means and output means. It is assumed to be realized by software. Note that the automobile insurance premium calculation system 100 according to the present invention can also be realized by a physically dedicated system.

The automobile insurance premium calculation system 100
May be configured by a single computer or may be configured by a plurality of computers distributed on a network. For example, the so-called W
This is a case where it is configured by an eb server and a database server.

The data registration unit 1, the actual vehicle management unit 2, the sales management unit 3, and the insurance management unit 4 perform various processes by the control unit reading the program defining these operations. In the description, each program itself performs various processes.

In FIG. 1, in order to explain the outline of the automobile insurance premium calculation system 100 through a communication network such as the Internet, not only the system 100 for performing the processing of the automobile insurance calculation but also the automobile insurance calculation is performed. Terminals (clients) 200 of business offices that transmit data on actual vehicle status, terminals (clients) 300 of headquarters managing each business office, terminals (clients) 4 of insurance companies
00 and a communication network 500 (including both wired and wireless) are shown for reference.

Each client typically corresponds to a general-purpose personal computer, and is a WWW (World Wide
Application software such as a Web browser for handling Web is implemented. Therefore, the sales office 20
0, the head office 300 and the insurance company 400 can use the insurance premium calculation function by accessing the automobile insurance premium calculation system via the Web.

(Outline of Operation of Auto Insurance Calculation System) Next, an outline of operation of the automobile insurance calculation system 100 according to the present embodiment will be described.

FIG. 9 is a flowchart showing the overall processing flow of the automobile insurance premium calculation system 100 according to the present embodiment. It is assumed that predetermined data necessary for implementing the present system 100 is transmitted from each business office 200 via a predetermined input screen and registered in the management DB 10 and the insurance DB 13 by the data registration unit 1. I do. For example, data of the car management table in FIG.
9 is data of a vehicle-specific condition table of FIG.

First, upon receiving the actual vehicle information data transmitted from each business office (step S101), the actual vehicle management means 2 registers the received data in the actual vehicle DB 10 (step S102). The transmission of the actual vehicle information data on the sales office 200 side is an operation performed as a part of daily work.

Next, when the sales management means 3 receives a sales calculation request from each business office (step S103), the management D
Based on B10 and the actual vehicle DB 11, the sales of the sales office are calculated, and the calculation result is transmitted to the sales office (step S104). Further, the sales management means 3 registers the calculated sales data in the sales DB 12. The sales for each vehicle are calculated according to the number of operating days in the current month. Note that the sales calculation request on the sales office 200 side is performed as part of a monthly operation.

Next, when the insurance management unit 4 receives the insurance premium calculation request from each business office (S105), the sales DB 12
The insurance premium is calculated for each vehicle type based on the data and the insurance DB 13, and the calculation result is transmitted to the sales office or insurance company (step S106). Further, the insurance management unit 4 registers the calculated insurance data in the insurance DB 13. The method of calculating the premium will be described later. Note that the insurance premium calculation request on the business office 200 side is performed as part of a monthly operation, and the business office pays the calculated insurance premium to the insurance company.

(Flow of Actual Vehicle Management Means) FIG. 10 is a flowchart showing the flow of the actual vehicle management means in the system 100. Upon receiving an input request for actual vehicle information data from the business office 200 via a menu screen (not shown) (step S201), the actual vehicle management means 2 transmits the actual vehicle information input screen to the business office 200 (step S201).
202).

FIG. 11 is a diagram showing an example of the actual vehicle situation input screen. This screen is a screen for inputting daily actual vehicle status data for each vehicle number from the terminal 200 of the business office. As the actual vehicle status data, “customer number” and “mileage” are provided.

When the rental car of the vehicle number is rented, the person in charge at the sales office inputs the customer number of the customer who borrowed the rental car and the number of mileage of the day in the column of the date, and then enters the “real car” Select the "Register data" button.

According to FIG. 11, a customer of “K01” rents a rental car with a vehicle number “S001” from June 1 to June 6, and a rental car of “K03” from June 16 to 18th. The customer borrows, and it can be seen that the customer “K05” borrowed it from June 24 to 26. Therefore, “S00” in June
It can be seen that the number of operating days of “1” is 12 days. In addition, the total number of travel distances in June can be determined by summing the number of travel distances of each customer. In FIG. 11, the total number of traveling distances is “1,281 km”. Note that, when all the actual vehicle information data for the month is input, the actual vehicle management means 2 automatically calculates the total number of mileage, and stores the “mileage” in the management DB 10.
To update. As a result, the current number of mileage of the rental car of the vehicle number is stored.

Returning to FIG. 10, the description will be continued. Upon receiving the actual vehicle information data input via the actual vehicle status input screen (step S203), the actual vehicle management means 2 registers this in the actual vehicle DB 11. The registered actual vehicle information data is used in a sales management process described below.

(Flow of Sales Management Means) The present system 100
Then, the monthly sales of each rental car are calculated by the following formula. “Operating days” is calculated based on the actual vehicle information data described above. “Rental fee / day” is registered in the vehicle management table of the management DB 10 in advance.

Formula: Monthly sales = “number of working days” for the current month
× “Rental fee / day” FIG. 12 is a flowchart showing the flow of sales management means in the present system 100.
The sales management means 3 is provided via a menu screen (not shown)
The “sales calculation request” is received from the sales office 200 (step S301). Sales management in the present system 100 is as follows.
The vehicle number is used as a unit. For example, “sales by month” and “sales by customer” of the vehicle number are configured to be calculated. Therefore, it is assumed that the “sales calculation request” includes, for example, the vehicle number of the rental car for which sales are calculated, and data on the month in which sales are calculated.

Next, the sales management means 3 determines whether the sales calculation request is "monthly processing" (step S30).
2) If it is determined to be “monthly processing”, “monthly sales processing” of the vehicle number is performed.

That is, the sales management means 3 uses the actual vehicle DB 1
From “1”, “the number of operating days” of the current month is read, and “total number of operating days” of the number of operating days is calculated (step S304). Next, the sales management means 3 reads out the “rental fee / day” of the vehicle number from the management DB 10 and multiplies the calculated “total days” of the number of operating days to calculate the sales for the current month.

Then, the sales management means 3 registers the calculated result in the sales DB 10 (step S305), and transmits the sales result to the sales office 200 (step S306).

If the sales calculation request is determined to be “sales by customer” in step S302, the sales management means 3 reads “the number of operating days by customer” for the current month from the actual vehicle DB11.
Is read, and the “total days” of the number of operating days for each customer is calculated (step S307). Next, the sales management means 3 reads out the “rental fee / day” of the vehicle number from the management DB 10 and multiplies the calculated “total days” of the number of operating days for each customer, thereby obtaining the sales for each customer in the current month. Is calculated (step S308).

FIG. 13 is a diagram showing an example of the sales management screen. This screen is a screen for displaying the sales result for the current month calculated by the sales management means 3 on the terminal 200 of the business office. The screen has a “monthly sales” column and a “customer sales” column. In the “monthly sales”, the number of working days for each month and the sales corresponding thereto are displayed so that the sales change for one year can be understood, and the column of the corresponding accounting month is colored. In “Sales by customer”, the number of working days for each customer and the sales according to the number are displayed so that the sales by customer in the relevant month can be understood.

According to FIG. 13, regarding the sales of the vehicle number “S001” in “June 2000”, the number of operating days is “12 days”, and as a result, the sales is “360,000 yen”. Understand. In addition, this sales is "K01""K
03 "and" K05 ".

(Basic Flow of Insurance Management Means) Next, a basic flow of insurance premium calculation by the insurance management means will be described. In the present embodiment, as an example of a method of calculating the insurance premium, first, the “basic insurance premium” of the automobile insurance is determined based on the same conditions as in the past. Then, by modifying the basic insurance premium according to the daily “operating days” and “mileage”, the “(actual) paid insurance premium”
Was calculated. In the present embodiment, as an example of the calculation of the insurance premium calculation, the number of non-operation days is calculated and used. Therefore, "correction of basic premium by working days" and "correction of basic premium by non-working days"
They have substantially the same meaning.

However, the present invention is not limited to this, and for example, only the “operating days” or the “travel distance” may be used as the correction element. Further, even if the data is other than the “operating days” and the “mileage”, the data can be used as a basis for calculating the insurance premium as long as the data is related to the operating status of the vehicle. For example, an operating time, an operating area, an operating time zone, or the like can be used.

FIG. 14 is a flowchart showing the flow of processing of the insurance premium management means in the system 100.
The insurance management means 4 is provided via a menu screen (not shown)
The insurance premium calculation request is received from the business office 200 (step S401). In the present system 100, the insurance premium is calculated using the vehicle number as a unit. Therefore, the “premium calculation request” includes, for example, the vehicle number for which the insurance premium is calculated and the data regarding the month for which the insurance premium is calculated. Next, the insurance management means 4 reads the data of the vehicle number from the vehicle-specific condition table of the insurance DB 13 (step S402), and calculates the basic insurance premium (step S40).
3). In the present system 100, as an example, the basic insurance premium for one year is calculated in advance, and the basic insurance premium for each month is calculated by dividing the basic insurance premium by December.

For example, referring to the vehicle-specific condition table of FIG. 8, the condition of the vehicle number “S001” is “main contract = P
"AP""Special contract = General""Vehicle class (base) = A""Vehicle class (vehicle)""Use = Small dump""Personal compensation = 80,0
00,000 "," Objective compensation = 5,000,000 ", and" Disclaimer = 50,000 ". Referring to a basic insurance table (not shown) based on this condition, the corresponding basic insurance premium for one year is calculated to be "150,000 yen". Therefore, the monthly basic premium is “150,000 / 12 = 12,500 yen”.

Next, the insurance management means 4 calculates the total number of non-operating days in the previous month from the monthly sales table of the sales DB 12, and corrects the basic insurance premium based on this (step S404).

Further, the insurance management means 4 includes a management DB 10
The number of mileage is read from the car management table of (1), and based on this, the basic insurance premium modified in step S404 is further modified (step S405).

The insurance management means 4 registers the basic premium corrected in step S405 as the premium paid for the current month in the insurance DB 13 (step S406). And
The insurance management means 4 converts the calculated insurance premium into the sales office 2
00 and the insurance company 300 (step S40).
7).

(Detailed Flow of Calculation of Insurance Premium) Next, the flow of calculating the premium to be paid by correcting the basic insurance premium will be described.
This will be described in detail.

FIG. 15 is a flowchart showing a detailed flow of the calculation of the insurance premium by the insurance management means 4. Here, it is assumed that the basic premium is calculated in advance based on the data of the vehicle-specific condition table in the insurance DB 13, and the result is registered for each vehicle number.

(Modification of Basic Insurance Premium Due to Non-working Days: Premium A) First, the insurance management means 4
From 3, the basic insurance premium of the corresponding vehicle number is read (step S501). Next, the number of working days (“days”) of the previous month is read from the monthly sales table of the sales DB 12, and the number of non-working days of the previous month is calculated (step S502). Then, a correction amount based on the number of non-operation days is calculated, and (Step S
503), the amount of payment for the current month is calculated by subtracting the adjusted amount from the basic insurance premium (step S50).
5).

Here, in the present embodiment, a rate obtained by subtracting the insurance premium for the number of non-operating days from the predetermined basic insurance premium is
It is calculated as the premium actually paid (= premium paid). However, if the payment of the insurance premium for the current month is the first day of the current month, the number of operating days in the relevant month may not be known yet. Therefore, in the present embodiment, as an example of insurance premium calculation, data on the number of operating days in the previous month is adopted as the number of operating days used for correcting the basic insurance premium.

Specifically, the total number of non-operating days in the previous month is calculated according to the following calculation formula 1. Next, a correction amount based on the number of working days is calculated according to the following Expression 2.
Then, the payment amount A is calculated according to the following calculation formula 3.

Formula 1: “Days of last month” − “Working days of last month” = “Non-working days of last month” Formula 2: “Basic premium / 365 days” × “Non-working days of last month” = “Current month” Formula 3: "Basic Premium / December"-"Modified Amount of the Month" = "Payment A of the Month" (Modification of Basic Premium by Number of Miles: Premium B) The insurance management means 4 reads the number of mileage of the corresponding vehicle number from the vehicle management table of the management DB 10 (step S505). Then, the insurance management unit 4 reads the mileage count corresponding to the mileage number from the mileage table of the insurance DB 13 (step S506).
The insurance management means 4 calculates the payment amount B for the current month according to the following calculation formula 4.

Formula 4: “Payment A” × “Driving distance count” = “Payment B” (Modification of basic insurance premium based on sales data) FIG. 16 explains the modification of basic insurance premium based on the number of working days. FIG. The “sales DB” column displays the accounting month, the number of operating days, and the sales of the current month in association with each other. In the column of “Modification of basic insurance premium by the number of working days”, the payment date, the basic premium of the current month (basic), the adjustment amount (correction) by the number of working days of the previous month, Are displayed in association with each other.

For example, a case where the payment date is “May 1” will be described. The correction amount in May is calculated based on the number of non-operation days in April. Since the operating days in April are "12 days",
The number of non-operation days is “30−12 = 18 days”. Next, the basic premium per day is “150,000 / 365 = 411 yen”, and the basic premium per month is “12,500 yen”. When these values are applied to the above formulas 1 to 3, the following is obtained.

Formula 1: 30−12 = 18 days Formula 2: 411 × 18 = 7,400 yen (rounded up to 100 yen) Formula 3: 12,500−7,400 = 5,100 yen As a result, the amount paid in May is “ 5,100 yen ".

According to FIG. 16, since the basic insurance premium is adjusted according to the number of operating days in the previous month, it is understood that the insurance premium paid may be small when the number of operating days in the previous month is small. For example, during the period from October 1999 to January 2000, the number of operating days per month is 5 days or less, and it is hardly rented. Therefore, from November 1999 to 2
The premium actually paid in February 2000 was the largest
It costs 2,230 yen, and at least 170 yen.

According to FIG. 16, for the basic insurance premium of "150,000 yen" for one year, the total amount of adjustment based on the number of working days is "100,270 yen", and the total of the actual premium paid is "49,730". Yen ". That is, by calculating the insurance premium according to the actual vehicle situation of the automobile, the rental car company can pay the insurance premium according to the actual situation and reduce the cost of paying the insurance premium for the rental car with a small number of working days. It becomes possible.

Note that the insurance premium paid in “April 1” is paid in full because there is no data on the number of operating days in the previous month. However, on April 1 of the following year, the basic premium “0 yen” will be revised according to the number of working days in March, so the insurance premium paid will be “-6,160 yen” and will be refunded by the insurance company. become.

In FIG. 16, the basic insurance premium is corrected based on the number of working days. However, the corrected basic insurance premium (paid insurance premium) may be further corrected by the mileage.

FIG. 17 is a diagram showing an example of the insurance premium payment screen. This screen is a screen for displaying the insurance premium calculated by the insurance management means 4 on the terminal 200 of the business office. On the screen, the monthly corrected amount and the actual premium paid are displayed so that the transition of the premium by month can be understood. If you select "View details of premium calculation", the calculation method of calculating premium paid from basic premium will be
It is displayed on a screen (not shown). As a result, the sales office 20
The person in charge of 0 can check how the premium paid for the current month was calculated.

(Basic Premium Payment Method and Basic Premium Adjustment Time) In the above embodiment, the basic premium is revised (the premium paid) when the one-year basic premium is divided in December. Has been described as an example, but the present invention is not limited to this. For example, the basic insurance premium may be paid in one lump or in installments.

For example, if the basic insurance premium payment method for one year (April to March of the following year) is a lump-sum payment (payment in April), the basic insurance premium must be adjusted based on the number of non-working days. It may be performed after the end of the period (April of the following year). In this case, the total amount of the adjustment amount during the contract period (April to March of the following year) will be refunded by the insurance company after the end of the contract period (April of the following year). Further, the modification of the basic insurance premium may be performed in a predetermined number of times. For example, if the predetermined number of times is “12 times”, the correction amount of the basic insurance premium is calculated every month, and the insurance company will refund it.

[0103] If the adjustment amount is negative, the insurance company refunds the amount to the rental car company, but if the adjustment amount is positive, the rental car company notifies the insurance company. And that amount is paid as an additional fee.

When the basic insurance premium payment method for one year (April to March of the following year) is “four payments”, each payment month (April, July, October, The basic insurance premium may be adjusted every month). That is, in this case, the rental car company pays the insurance premium calculated for each payment month to the insurance company.

(Reservation Reception Function) The actual vehicle management means 2 may have a reservation reception function for receiving a reservation from a user. The actual vehicle management means 2 is the sales office 2
When the reservation information is received from 00, the received reservation information is registered in a reservation information table (not shown) of the actual vehicle DB 11. The reservation information includes, for example, data such as “management office”, “vehicle number”, “date”, and “customer number”.

As the reservation status input screen, the actual vehicle status input screen shown in FIG. 11 can be used. This is because the screen is input for each vehicle number, so that the reservation status and the actual vehicle status do not overlap for one vehicle number. Therefore, the information input for the schedule after the current date is the reservation status, and the information input for the schedule before the current date is the actual vehicle status (fixed information). In the case of an actual vehicle situation, the traveling distance of the rental car is input.

(Regarding Sales Office Management Function by Head Office 300) In this system 100, when there is a “sales calculation request” from head office 300, designated sales office 200
Can be calculated and transmitted to the head office 300. This allows the head office 300 to easily and instantly check the sales of each business office, which is very convenient for managing the status of each business office.

(About billing function for customer)
Furthermore, in the present system 100, when there is a bill creation request to the customer from the business office 200, the bill can be created in the sales management means 3. That is, the sales data calculated by the sales management means 3 in the sales processing for each customer is directly used as billing data. Therefore,
The sales management means 3 having received the bill creation request creates a bill for the customer according to a predetermined bill form,
This is transmitted to the sales office 200. If the sales office transmits this bill as it is to each customer, the trouble of issuing the bill can be reduced.

(Regarding Operation Information Data) In this embodiment, the operation information data serving as the basis for calculating the insurance premium is linked with the sales data used in the sales management means 3. However, according to the present invention, only predetermined operation information data may be received from the outside, and the basic insurance premium may be modified based on the received information. This allows, for example,
Even when a rental car company or the like uses an existing in-house system, the system 100 can be used by transmitting predetermined operation information data.

[0110]

According to the present invention, since the operation status data of the vehicle is adopted as a new standard for calculating the insurance premium, it is possible to calculate the insurance premium according to the usage status of the vehicle. Therefore, the owner of the vehicle can reduce the cost of paying the insurance premium for the vehicle with a low usage status. Furthermore, by providing a new standard for calculating insurance premiums, automobile insurance products are diversified, and the range of choices of products by users is further expanded. Furthermore, since the operating status data serving as the basis for calculating the insurance premium is linked to the sales data of the vehicle owner, the reliability of the operating status data can be ensured.

[Brief description of the drawings]

FIG. 1 functionally illustrates a configuration of an automobile insurance premium calculation system according to the present embodiment.

FIG. 2 is a diagram showing a data structure of an automobile management table provided in a management DB 10.

FIG. 3 is a diagram showing a data structure of a customer management table provided in a management DB 10;

FIG. 4 is a diagram showing a data structure of a business office table provided in a management DB 10;

FIG. 5 is a diagram showing a data structure of an actual vehicle DB 11;

FIG. 6 is a diagram showing data structures of a monthly sales table and a customer sales table included in the sales DB 12;

FIG. 7 is a diagram illustrating a data structure of a vehicle-specific condition table included in an insurance DB 13;

FIG. 8 is a diagram illustrating a data structure of a traveling distance table included in an insurance DB 13;

FIG. 9 is a flowchart showing the overall processing flow of the automobile insurance premium calculation system 100 according to the present embodiment.

FIG. 10 is a flowchart showing a flow of an actual vehicle management unit.

FIG. 11 is a diagram illustrating an example of an actual vehicle situation input screen.

FIG. 12 is a flowchart showing the flow of sales management means.

FIG. 13 is a diagram illustrating an example of a sales management screen.

FIG. 14 is a flowchart showing a flow of processing of insurance premium management means.

FIG. 15 is a flowchart showing a detailed flow of insurance premium calculation by the insurance management means 4;

FIG. 16 is a diagram for explaining correction of basic insurance premium based on the number of working days.

FIG. 17 is a diagram illustrating an example of an insurance payment screen.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Data registration means 2 ... Actual vehicle management means 3 ... Sales management means 4 ... Insurance management means 10 ... Management DB 11 ... Actual vehicle DB 12 ... Sales DB 13 ... Insurance DB 100 ... Automobile management and insurance system (server) 200 ... Sales office A, B (client) 300: head office (client) 400: insurance company (client) 500: communication network

Claims (12)

[Claims] 1. An automobile insurance premium for calculating a premium paid for a vehicle based on basic data set in advance for calculating a basic insurance premium for the vehicle and operating status data indicating an operating status of the vehicle. An automobile insurance premium calculation system comprising calculation means. 2. The automobile insurance premium calculation system according to claim 1, wherein the operating status data is the number of operating days of the vehicle. 3. The automobile insurance premium calculation system according to claim 1, wherein the operating status data is the number of mileage of the automobile. 4. An automobile insurance premium calculating means, comprising: a basic insurance premium calculating means for calculating a basic insurance premium for a certain period from the basic data; and a basic insurance premium calculated by the basic insurance premium calculating means, The vehicle insurance premium calculation system according to any one of claims 1 to 3, further comprising paid insurance premium calculation means for calculating the paid insurance premium by modifying the data based on the data. 5. The paid insurance premium calculation means calculates the number of non-operating days within the fixed period from the operating status data, and subtracts the basic insurance premium for the non-operating days from the basic insurance premium to pay. The automobile insurance premium calculation system according to claim 1, wherein the insurance premium is calculated. 6. The paid insurance premium calculating means calculates a mileage of the vehicle from the operating status data, and multiplies the basic insurance premium by a mileage coefficient corresponding to the mileage. The automobile insurance premium calculation system according to any one of claims 1, 3, and 4, wherein 7. The car insurance premium calculation system, comprising: a sales calculation means for calculating the sales of the rental car based on a rental fee predetermined for each car type of the rental car and the number of operating days of the rental car; The fee calculation means calculates the insurance premium paid for the vehicle based on basic data set in advance for calculating the basic insurance fee for the vehicle and the number of operating days of the rental car used by the sales calculation means. The car insurance calculation system according to any one of claims 1, 2, 4, and 5, wherein 8. A storage means for storing basic data, which is a first calculation standard for automobile insurance premiums, and inputting data of operating days for inputting operation status data of the automobile, which is a second calculation standard for automobile insurance premiums. Means, mileage data input means for inputting mileage data of the vehicle, which is a third calculation standard of the car insurance premium, basic insurance premium calculation means for calculating a basic insurance premium based on the basic data, A first premium calculation to calculate a first premium to be paid by correcting the basic premium calculated by the basic premium calculating means based on the working days data input by the operating status data inputting means; Means for correcting the premium paid by the first premium calculation means based on the mileage data input by the working days data input means. Automobile insurance premium calculation apparatus characterized by comprising a second payment insurance fee calculation means for calculating a than the second payment premium. 9. A receiving means for receiving operating status data of a vehicle from a terminal of a business office, basic data set in advance for calculating a basic insurance premium of the vehicle, and operating status data received by the receiving means. A vehicle insurance mediation system comprising: a calculating unit that calculates the insurance premium paid for the vehicle based on the data; and a transmitting unit that transmits the insurance premium data calculated by the calculating unit to a terminal of an insurance company. 10. An automobile insurance premium for calculating an insurance premium to be paid for the vehicle based on basic data set in advance for calculating a basic insurance premium for the vehicle and operating status data indicating an operating status of the vehicle. Calculation method. 11. An operation status data of a vehicle is received from a terminal of a business office, and payment of the vehicle is performed based on basic data set in advance for calculating a basic insurance premium of the vehicle and the received operation status data. Calculate the premium,
A car insurance mediation method characterized by transmitting the calculated premium payment data to a terminal of an insurance company. 12. A computer-readable recording medium storing a program for causing a computer to execute the automobile insurance premium calculation method or the automobile insurance mediation method according to claim 10.