JP2002063346A - Data processing method for insurance work, recording medium with recorded program supporting insurance work by computer, and computer internally having recording medium with recorded program supporting insurance work - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method which can present a relative cheap premium by previously assuming the reduction effect of the premium when a contract is made if variation in insurance accident risk, specially, its decrease can be expected in an insurance contract period through data processing for insurance work. SOLUTION: This method includes a 1st stage where various items as elements determining a premium are inputted, a 2nd stage where items that an insurant should does during the insurance contract period are inputted, and a 3rd stage where a premium, etc., is calculated from both the pieces of input information; and the 3rd stage calculates a premium, etc., by using the information inputted at the 1st stage and referring to data having a data structure wherein the information and premiums, etc., are made to correspond to each other, calculates a correction coefficient by using the information inputted at the 2nd stage, and calculates a premium, etc., which is actually applied from those two values.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention incorporates a data processing method used in insurance business, a recording medium for recording a program for supporting insurance business by a computer, and a recording medium for recording a program for supporting insurance business. About computers. In the following description, the contents of the invention are disclosed using the non-life insurance business, especially the automobile insurance business as an example of the insurance business. It is not something to be done.

[0002]

[Prior Art] <Trends in non-life insurance industry> Prior to considering prior art, first, the basic framework of non-life insurance business, which is the most suitable business to which the present invention is applied, and recent trends in the non-life insurance industry Is described.

<Basic framework of non-life insurance> The basic framework of non-life insurance business is considered as follows. (1) To a large number of persons who have the potential opportunity to suffer an economic loss due to the occurrence of substantially similar incidental events (these will become policyholders) A contract is made to pay a predetermined amount of money (insurance money) when the economic loss becomes real with the occurrence of this (called an insurance accident). At this time, money (insurance premium) is received as consideration for the contract. (2) When the above-mentioned accidental event actually occurs and the economic loss becomes a reality, predetermined money (insurance money) is paid. (3) The amount of insurance premium depends on the type of
It is determined based on the attributes of the contractor, the history of past insurance payments to the contractor, and the like. At this time, "operating insurance premiums", which is the sum of "net insurance premiums" to be paid for insurance claims and "additional insurance premiums" to be applied to business costs and profits, were totaled for all participants. The amount (total premium) must be equal to the total amount of insurance paid, which is called the “principle of income and expenditure”.

<Before liberalization of insurance rates (uniform insurance rates)
> Under such a framework, excessive rate discounts that violate the “principle of income and expenditure” will cause the insurance payment mechanism to fail, resulting in loss for the entire subscriber. In order to prevent such a situation, the concept of a so-called “cartel fee rate” was born, in which all underwriters apply the same premium to insurance contracts with the same conditions, and this was early in Japan after the war. Institutionalized. (References:
Kamiyama Michio, 1997 Non-life Insurance Big Bang, Toyo Keizai Shimpo, pp. 62-63] states the history of such system establishment as follows. First, in 1949, the "Law on Non-life Insurance Rate Calculation Organizations" (Group Law) was enacted, and the "Non-life Insurance Rate Calculation Committee" (Calculation Committee) was established, excluding the application of the Antitrust Law. Initially, the rates calculated by the evaluator were not binding, but the Group Act of 1951 was amended to require insurance companies to comply with the rates calculated by the evaluator. In 1964, the Association for the Calculation of Automobile Insurance Premiums (Automobile Accounting Association) was established.

<Flow of Rate Liberalization> Such a system of cartel rates was meaningful in order to rebuild and stabilize the financial system which was initially weakened by the post-war economic turmoil. Even before the change in the system was made, the efficiency of the insurance industry was rather reduced due to competition. The above references (Michio Kamiyama)
(1997) pp. 86-87 point out that non-life insurance in Japan has a low net premium portion and a high premium rate with a high weight of additional premiums. Under these circumstances, a movement was born to fundamentally renew the system based on the cartel fee rate. From 1998 to the time of filing of the present invention, the following movements have been observed in relation to the non-life insurance, especially the automobile insurance system.

<Authorization of mail-order sales> According to the article "Our Ministry of Finance, Automobile Mail Order Approval Proposal" published in the evening edition of the Nikkei Shimbun on October 1, 1996, the Ministry of Finance has been in charge of auto insurance sales since October of the same year. A policy to authorize sales has been indicated. However, the rate will not be liberalized and will be 10% above and below the standard rate of the Self-Calculation Association.
It should be set within. Also, October 1996
According to an article published on the fourth page of the Nikkei Shimbun morning newspaper on the 12th, “Approved for car insurance mail order, American Home No. 1”
The Ministry of Finance approved mail-order sales of car insurance on October 11.

<Approval of subdivision risk insurance> July 1997
According to an article published in the morning edition of the Nikkei Shimbun on the seventh page of the Nihon Keizai Shimbun, "Ministry of Finance is the standard, risk-divided car insurance-three times the age gap", the Ministry of Finance started approval from June 30 and September. A guideline has been announced that will be used as a criterion for approval of the “Risk Subdivided Auto Insurance” that will be implemented. The maximum disparity for insured persons by age is three times, and for men and women and regions is up to 1.5 times. According to the article "Automobile Insurance Premiums, Saving with" New Models "-Risk Subdivision, Undervalued Type" published on the 47th page of the Nikkei morning edition (Monday edition) on September 15, 1997, Announced the launch of “Risk-Segmented” insurance, where premiums increase and decrease depending on age, gender, address and purpose of use of the car.

<Abolishment of obligation to use rate calculated by specific group> Article published in the morning edition of the 7th edition of the Nikkei Shimbun on July 1, 1998. Intensely "reports that casualty insurance premiums will be liberalized from July 1. In addition, according to [Reference: Masashi Uekusa 1999, Non-life Insurance Industry in Japan, NTT Press, pp. 56-57], the "Law Concerning Non-life Insurance Rate Calculation Organizations" was significantly revised and enforced on July 1st. With this amendment, the obligation to use the insurance rate calculated by the non-life insurance rate calculation group will be abolished, and the calculation society will calculate the standard rate for the net insurance rate and prepare standard insurance provisions adapted to that rate It became.

<Response of the insurance industry to rate liberalization> 1
An article published on the fifth page of the Nihon Keizai Shimbun morning edition, February 22, 999, "Six months after insurance liberalization, car insurance, three career paths
According to “Hurrying to develop their own products,” the insurance industry has responded to the following three issues since the liberalization of non-life insurance premiums in July 1998.
They are roughly divided into types. In other words, (1) Some foreign-affiliated non-life insurance companies have significantly reduced insurance premiums only for policyholders with low accident rates. (2) Domestic companies such as major non-life insurance companies are launching new products with enhanced compensation and services instead of raising insurance premiums. (3) Some domestic non-life insurance companies discount the premiums of more policyholders, though not as much as in foreign-affiliated companies.
In addition, domestic non-life insurance has a large number of existing contracts, and it is difficult to take a strategy to discount premiums of specific customers like foreign capital,
Although the company is cautious about introducing mail-orders in consideration of its major sales channels, each company has begun to organize and consolidate agents and review commissions.

<Direction of Competition in Non-life Insurance Industry> Under a free rate, the policy that insurance companies can take in terms of the amount of insurance without deviating from the “principle of income and expenditure” is called “net insurance premium”. The following are conceivable when categorized according to whether to focus on the portion or the “additional premium” portion. First, paying attention to the “net premium” portion: (1-1) Offer insurance products to customers with low risk at a low rate. (1-2) Analyzing the target event and its risk in more detail, designing and providing a customized insurance. (1-3) Take measures to reduce the risk itself of the contractor. and so on. In addition, focusing on the “additional insurance premium” portion, (2-1) adopting direct sales or mail-order sales methods that do not pass through an agency as a sales channel, thereby reducing sales costs and lowering prices. (2-2) Reduce and increase agency costs and agency commissions by consolidating and integrating agencies to lower final prices. and so on.

<Prior Art Related to Data Processing Method Used in Non-Life Insurance Business> Next, a conventional data processing method and a conventional data processing apparatus used in a non-life insurance business related to the situation surrounding such non-life insurance. The technology is described. According to the article "Auto insurance premiums, comparative estimation business activity-diversified product evaluation" on the 17th page of the morning edition of the Nihon Keizai Shimbun on November 30, 1999, those who wish to apply for automobile insurance are online. A service is provided to facilitate quote requests to multiple insurance companies through their homepage. In addition, according to the article "Online Insurance Estimation, Web Crew, Joint Development with IBM Japan" published on the 17th page of the Nikkei Shimbun morning morning on February 29, 2000, the estimate materials of each company had been sent by mail until now. It is said that, when a user inputs an attribute or a condition he or she places heavily on, an estimated price or the like can be immediately viewed.

<Technical features found in these two reports> Regarding the data processing methods related to non-life insurance business seen in these two reports, a plurality of applicants can enter a plurality of conditions by inputting conditions and the like. It provides a method to make it easy to compare the premiums of insurance products provided by insurance companies, and the insurance premiums themselves are fixedly determined in advance by the insurance companies for the conditions of applicants. It is a form that refers to what is being done.

<JP-A-10-293794> JP-A-10-293794
No. 293794 discloses a technique for facilitating comparison of coverages for each insurance product. This is intended to make it easy to understand the difference between insurance products by displaying the coverage covered by a certain insurance product in color and displaying the outside of the coverage in black and white along with the insurance fee and the like.

<US Pat. No. 5,797,134> US Pat. No. 5,797,134 describes insurance premiums ex post facto or at the time of contract using information obtained by monitoring the actual driving situation of an automobile. , A method and a system for adjusting, and a method of constructing a class used for insurance statistics using the data obtained in this way. The insurance rate is calculated by applying the attributes of the insured person and the vehicle to be insured to a predetermined class of insurance statistics.In general, the actual risk of an insurance accident based on a single contract is calculated by insurance statistics. Does not match the above class-wide leveled risk. The present invention corrects such a difference between the insurance accident probability assumed in the insurance statistics and the actual accident probability by using data that better reflects the actual accident probability, thereby making it possible to obtain insurance with a low accident occurrence probability. It is possible to reduce the premium of the elderly.

<US Pat. No. 6,064,970> US Pat. No. 6,064,970 discloses a method of monitoring the driving characteristics of an automobile driver and creating a database, and utilizing information in this database. The present invention relates to a method for calculating an insurance premium for an automobile insurance.

[0016]

[Problems to be Solved by the Invention] <Features of Conventional Technology>
The above-mentioned conventional technology is intended to make it easy to compare insurance premiums of insurance products provided by a plurality of insurance companies (an article published in the morning edition of the Nikkei Shimbun, page 17, November 30, 1999) Auto insurance premiums, comparative quote business booming-diversified product identification "and an article published in the morning edition of the Nikkei Shimbun on February 17, 2000," Insurance quote online, web crew, joint development with IBM Japan ")
And a method for easily understanding the difference between a plurality of insurance products that can be provided by one insurance company (Japanese Patent Laid-Open No. 10-29379).
4) Alternatively, the insurance premium is adjusted using data on driving conditions highly relevant to the risk of insurance accidents (US Pat. No. 5,797,134 and US Pat. No. 6,062).
No. 4,970). US Patent 5,7
No. 97,134 and US Pat. No. 6,064,970 relate to the calculation of the premium itself in that the premium itself is corrected using data that better reflects the actual accident risk. However, the other prior arts described above are positioned as auxiliary sales promotion means at the time of selling insurance products. Also, US Pat. No. 5,797,134 and US Pat.
No. 70 seeks to enable the application of lower premium rates in some cases, through monitoring data that better reflects accident risk, but the change in accident risk itself over the life of the policy, Above all, it is not accompanied by prediction of the decrease. As described above, in the conventional technology, the insurance rate is calculated by applying the attributes of the insured person and the vehicle to be insured to a predetermined class of insurance statistics, or assumed in insurance statistics. It is calculated by correcting the difference between the insurance accident probability and the actual accident probability with data that better reflects the actual accident probability. Therefore, the insurance premium rate is calculated based on the assumption that the attributes of the insured person and the insured vehicle at the time of contract do not change during the insurance contract period, and that the probability of insurance accidents is also constant during this period. Or by estimating the probability variation of insurance accidents during the contract period based on data obtained from actual driving conditions using some device, and thereby calculating or correcting the insurance premium rate. Have been.

<Problems of Conventional Technology> In each of these conventional technologies, fluctuations in the insurance accident risk during the insurance contract period, particularly the decrease, are observed due to, for example, the introduction of new safety measures and education. Even in this case, there is a problem that it is not possible to provide a relatively inexpensive insurance premium by assuming the effect of reducing the insurance rate at the time of contract at the time of contract. The present invention provides a method for presenting a relatively inexpensive insurance premium by assuming in advance the effect of reducing the insurance premium rate at the time of contract, when fluctuations in the insurance accident risk during the insurance contract period, particularly a decrease in the risk, are expected. It is therefore an object of the present invention to solve the above-mentioned problems in the conventional technology by providing the following.

[0018]

Means for Solving the Problems <First Means> In a data processing method for insurance business using a computer according to the present invention, a step of inputting objective matters relating to a policyholder or a candidate who wants to participate in insurance, and a new step. Entering the discount rate or its convertible value or index that should be applied in the insurance contract, inputting objective matters related to the property covered by the insurance contract, the type of accident that the insurance should cover,
A first step including at least one of the steps of inputting contract conditions such as the upper limit of the paid insurance amount, and a second step of inputting items to be performed by the subscriber during the insurance contract period. Includes a third step of calculating an insurance premium or the like from the information input in the first and second steps, that is, an insurance premium or an insurance rate or an index convertible to these, and the third step includes: Using the information input in the first step or the information obtained by classifying, stratifying, or indexing the information, refer to data having a data structure in which the information is associated with insurance premiums and the like. By calculating the insurance premium and the like, the result is stored in the first storage element, and the correction coefficient is calculated using the information input in the second step, and the value is calculated as the second Retain in memory element And that step reads the value held in the first and second storage elements, a step of calculating the insurance premiums that actually applied from them, performs data processing by performing operations including. By performing such data processing, the change in insurance accident risk during the insurance contract period, which can be seen by the actual execution of the items specified by the subscriber during the insurance contract period, It is significant that it is possible to provide a method of presenting a relatively inexpensive insurance premium by assuming a reduction effect of the insurance premium rate at the time of contract at the time of contract. The reason why such a data processing method is appropriate in the insurance business is based on the following principle. If the policyholder performs certain actions during the insurance contract period and the probability of accidents occurring can vary with respect to the failure to do so, the insurance mathematical It is possible to calculate or estimate the expected value of this probability change using the large number of contracted customers as a population. The above-mentioned “certain actions” are defined as “items to be performed by the subscriber during the insurance contract period”, and the above-mentioned expected value or the value obtained by making corrections based on technical and business requests The use in step 5 makes it possible to satisfy the “principle equivalent to the balance”. The fact that the expected value of the change in the probability of an insurance accident can be obtained by the method described above is based on the object of the insurance business to which the present invention is applied, that is, the so-called " The present invention is data processing based on such technical properties of the object.

<Second Means> In the data processing method for insurance business of the present invention, an insurance contract is further provided as a step of inputting objective matters relating to the insurance contractor or the insurance applicant who belongs to the first step. Inputting the information identifying the person, further, the items to be performed by the subscriber during the insurance contract period, which are input in the second step,
Forming a data structure that associates the information specifying the contractor or the coded information with the information, and recording and storing the data in a file, and reading the data stored in the file and storing it in a storage element To enter the implementation status of these matters by the contractor during the contract period, and to compare the information held in each storage element with the step held in another storage element, And a step of outputting when the implementation status does not match the item, thereby performing the data processing method. By performing such data processing, the change in insurance accident risk during the insurance contract period, which can be seen by the actual execution of the items specified by the subscriber during the insurance contract period, In addition to being able to present a relatively inexpensive premium by assuming the effect of reducing the premium rate at the time of contract at the time of contract, it has the following significance. In other words, to know beforehand the fluctuations in insurance accident risk that are expected to occur due to the fact that the subscriber does not actually perform the matters specified as conditions at the time of contract, especially the disadvantages of the insurance company side due to the increase Becomes possible.

<Third Means> A computer program for supporting insurance business recorded on a recording medium according to the present invention includes a procedure for inputting objective matters relating to an insurance policyholder or an insurance applicant, and a new insurance program. Discount premium to be applied in the contract or a value that can be converted into it,
At least one of a procedure for inputting an index, a procedure for inputting objective matters relating to the property covered by the insurance contract, and a procedure for inputting contract conditions such as the type of accident to be covered by the insurance and the upper limit of the paid insurance amount. The first procedure includes two procedures, the second procedure in which the subscriber inputs items to be performed during the insurance contract period, and the insurance fee, etc., A third step of calculating the premium or premium rate or an index that can be converted to these, and the third step is the information to be input by the first step, or the information obtained by classifying, stratifying, or indexing the information. By using information obtained and referring to data having a data structure in which the information and the insurance premium are associated with each other, the insurance premium and the like are calculated, and the result is stored in the first storage element. A procedure for holding, a procedure for calculating a correction coefficient using information input by the second procedure, and a procedure for holding the value in the second storage element, and a procedure for storing the value in the first and second storage elements. Reading out the calculated values and calculating the actual applied insurance premium and the like from them. By using such a procedure, the change in insurance accident risk during the insurance contract period, especially the reduction thereof, which can be detected by the actual execution of the items specified by the subscriber during the insurance contract period It is significant that it is possible to provide a method of presenting relatively inexpensive insurance premiums by assuming the effect of reducing the insurance premium rate at the time of contract at the time of contract.

<Fourth Means> A computer program for supporting insurance business recorded on a recording medium according to the present invention further comprises an objective matter relating to an insurance policyholder or an insurance applicant who belongs to the first procedure. The step of inputting the information includes a step of inputting information for identifying an insurance policyholder, and further includes a step of inputting in the second procedure, a matter to be performed by the subscriber during the insurance contract period, and an identification of the policyholder. A procedure for forming a data structure that associates information to be encoded or information that encodes the information with a data structure and recording and storing the data structure in a file; a procedure for reading data stored in the file and holding the data in a storage element; The procedure for allowing the contractor to input the implementation status of these matters during the period and storing it in another storage element, and the information stored in each of the above storage elements And compare, if implementation matters stipulated in the contract does not match, including a procedure for outputting to that effect, the. By using such a procedure, the change in insurance accident risk during the insurance contract period, especially the reduction thereof, which can be detected by the actual execution of the items specified by the subscriber during the insurance contract period In addition to the fact that the effect of reducing the premium rate due to the above can be assumed in advance at the time of contract, relatively inexpensive premiums can be presented, and it has the following significance. In other words, to know beforehand the fluctuations in insurance accident risk that are expected to occur due to the fact that the subscriber does not actually perform the matters specified as conditions at the time of contract, especially the disadvantages of the insurance company side due to the increase Becomes possible.

<Fifth Means> A computer having a built-in recording medium on which a program for supporting the insurance business of the present invention is recorded has a procedure for inputting objective matters relating to a policyholder or an insurance applicant. Procedures to enter the discount premium or convertible numerical values and indicators to be applied in the new insurance contract, procedures to enter objective items related to the property covered by the insurance contract, type of accident to be covered by insurance, payment A first procedure including at least one of the steps for inputting the contract conditions such as the upper limit of the insurance amount, and a second procedure for inputting items to be performed by the subscriber during the insurance contract period, A third procedure for calculating insurance premiums and the like, that is, insurance premiums or insurance rates or indices that can be converted into these, from the information input in the first and second procedures. In the third step, the information entered by the first step, or information obtained by classifying, stratifying, or indexing the information, is used to associate these pieces of information with insurance premiums and the like. Calculating the insurance premium by referring to the data having the data structure described above, and calculating the correction coefficient by using the information input by the second procedure and the procedure of storing the result in the first storage element. And storing the value in a second storage element;
A procedure for reading out the values held in the first and second storage elements and calculating an insurance premium to be actually applied therefrom, and a recording medium storing a program for performing an operation including the procedure. The use of such a computer would lead to a change in the risk of insurance accidents during the insurance contract period, in particular, a decrease in the insurance contract period, which would be detected by the actual execution of the items specified by the subscriber during the insurance contract period. It is meaningful that relatively inexpensive premiums can be presented by assuming the effect of reducing the insurance premium rate at the time of contract at the time of contract.

<Sixth Means> In a computer having a recording medium in which a program for supporting insurance business according to the present invention is recorded, the program further includes an insurance policy holder or an insurance applicant who belongs to the first procedure. As a procedure for inputting objective matters relating to the person, including a step for inputting information identifying the insurance policyholder, further, to input in the second procedure, the items to be performed by the subscriber during the insurance contract period, A procedure for forming a data structure that associates the information specifying the contractor or the coded information with the information and recording and storing this in a file, and reading the data stored in the file and storing it in a storage element Procedure for allowing the contractor to input the status of implementation of these matters during the contract period, and storing the information in another storage element. By comparing the information is held by the 憶 element, when the implementation to the matters defined in the contract does not match, including a procedure for outputting to that effect, the. The use of such a computer would lead to a change in the risk of insurance accidents during the insurance contract period, in particular, a reduction in the insurance contract period, which would be detected by the actual execution of the items specified by the subscriber during the insurance contract period. In addition to the fact that the effect of reducing the premium rate due to the above can be assumed in advance at the time of contract, relatively inexpensive premiums can be presented, and it has the following significance. In other words, to know beforehand the fluctuations in insurance accident risk that are expected to occur due to the fact that the subscriber does not actually perform the matters specified as conditions at the time of contract, especially the disadvantages of the insurance company side due to the increase Becomes possible.

[0024]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description, the case of automobile insurance is used as an example, but the scope of the present invention is not limited to automobile insurance. Automobile insurance is owned and used by the policyholder, and the total number of vehicles covered by the insurance contract is 10 or more. In the case (called a fleet contract), the risk is measured based on the insurance result of each contractor, and in the latter case (called a non-fleet contract), the risk is measured for each vehicle based on the number of accidents. The “driver age condition” does not apply to the basic contract fee for fleet contracts. In the following description, mainly the case of a fleet contract is assumed, but the scope of the present invention is not limited to the case of a fleet contract. In the following description, the case of calculating an insurance premium at the time of concluding an insurance contract is described as an example. However, the present invention also covers data processing in estimating and the like that does not assume an insurance contract.

<First Embodiment> An insurance business data processing method according to an embodiment of the present invention will be described with reference to FIG.
In FIG. 1, the processes in each step are described as being performed sequentially, but each step (reference numerals 14 to 17) belonging to the first step (reference number 11) and the second step (reference number 12).
May be executed in any order. Also, the order of execution of the steps in each process is not limited. Further, reference numerals 14 to 1
The steps belonging to the step 7 may be executed in any order regardless of which step they belong to.

Step S101 is an initialization processing step outside the present invention, and performs initialization of an input screen, open processing of a database file to be referred to, and the like.

Steps S102 and S103 belong to a step (reference numeral 14) of inputting an objective matter relating to a policyholder or a candidate who wants to join the insurance. It belongs to the step of inputting possible numerical values and indices (reference numeral 15). Specifically, S102 is an insurance contractor name input step, S103 is a total insured number input step, and S104 is an applied merit / demerit rate input step. The merits and demerits rates mean discount rates and surcharge rates. Here, each item may be actually input individually, or may be automatically input by referring to a database (not shown) from information identifying a contractor such as an existing insurance contract number.

Steps S105, S106, and S107 are steps for inputting objective matters relating to the property subject to the insurance contract (reference numeral 1).
6), specifically, each of S105
Is a model vehicle input step, S106 is an initial registration date input step of the target vehicle, and S107 is a safety equipment selection input step of the target vehicle. In the model input step of the target vehicle, the model may be directly input, or a maker name, a common name of a vehicle type, or the like may be input to refer to a database (not shown) from these information. . In the target vehicle safety equipment input selection step, it is input whether the target vehicle is equipped with an ABS (anti-lock brake system) and an airbag, respectively.

Steps S108, S109, and S110 belong to the step of inputting contract conditions (reference numeral 17) such as the type of accident to be covered by the insurance and the upper limit of the paid insurance amount. A contract type selection input step, S109 is a vehicle insurance presence / absence / deductible amount input step, and S110 is a compensation detail setting input step.
In the target contract type input step, select the desired contract type from the contract types that are set in advance by combining the presence or absence of personal compensation, objective compensation, passenger disability, limitation of subject, and maximum compensation amount. input. S1
Reference numeral 10 denotes an input step for correcting and setting details such as the maximum amount of compensation set in advance for each contract type selected and input in S108.

The steps S102 to S110 constitute a first step. In this example, all the steps belonging to the respective categories indicated by reference numerals 14 to 17 are provided, but in the present invention, it is sufficient that at least one of these steps is actually provided.

Step S111 is an item selection input step to be performed, which belongs to a second step (reference numeral 12) for the subscriber to input items to be performed during the insurance contract period. Specifically, an item serving as a condition of the contract is selected and input from predetermined items such as safe driving education and a driving management method.

Step S112 is an insurance premium calculation step, which calculates an insurance premium or the like, that is, an insurance premium or an insurance premium rate, or an index convertible into these, from the information input in the first and second steps. It belongs to the third step (reference numeral 13). This third step is an insurance premium or the like calculated in accordance with whether or not there is a matter to be performed by the subscriber during the insurance contract period inputted in the second step and its contents, that is, an insurance premium or an insurance rate, or Data processing is performed by operating such that the indices that can be converted into these are changed.

Specifically, the third step uses the information input in the first step or the information obtained by classifying, stratifying, or indexing the information to obtain the information and the insurance premium. The insurance premium and the like are calculated by referring to data (not shown) having a data structure in which the data and the like are associated with each other, and the result is stored in a first storage element (not shown).

A correction coefficient is calculated by using the information input in the second step, and the value is stored in a second storage element (not shown). These first and second storage elements are realized by means such as a readable / writable memory and a specific recording position on a magnetic storage medium.
As a method of calculating the correction coefficient, for example, in the simplest case, a fixed value may be given to each of the items to be performed, or after the items to be performed are performed for the first time, Alternatively, a value that gradually decreases depending on the period of execution may be given. Furthermore, the coefficient may be calculated so as to change depending on the items input in the first step. In addition,
This coefficient is the change in insurance accident risk during the insurance contract period predicted by the contractor performing the items to be performed by the subscriber during the insurance contract period, especially Should reflect the change in the loss ratio, but no specific method of derivation is required.

Next, the values stored in the first and second storage elements are read out, and the insurance premium or the like actually applied is calculated from them. Specifically, for example, by multiplying the values held in the first and second storage elements, an insurance premium or the like to be actually applied is obtained. Alternatively, after performing a secondary correction due to a business situation or the like, for example, setting a lower limit, on the value held in the second storage element, the value is held in the first storage element. The insurance premium and the like may be calculated by multiplying the calculated value by the calculated value.

Step S113 is a calculated premium output step outside the present invention, which displays the premium calculated in the premium calculation step on a screen, prints out the data, or outputs the data to an external terminal or computer (not shown). Send as

As described above, the change in the risk of insurance accidents during the insurance contract period, which can be seen by the actual execution of the items specified by the subscriber during the insurance contract period, in particular An insurance business data processing method capable of presenting a relatively inexpensive insurance premium by assuming in advance the effect of a reduction in the insurance rate due to the decrease at the time of contract is realized.

<Second Embodiment> Next, another insurance business data processing method of the present invention will be described with reference to FIG. This data processing method also has the respective steps indicated by reference numerals 11 to 17 in FIG. 1 in the same manner as FIG. 1, but FIG. 2 omits some of them.

This embodiment includes a policyholder name input step S102 as a step of inputting information for specifying a policyholder.

Step S114 is an item recording step to be performed, and belongs to a step (reference numeral 18) of recording and accumulating items to be performed by the subscriber during the insurance contract period. Specifically, a data structure in which items to be performed by the subscriber during the insurance contract period input in S112 are associated with the information specifying the contractor input in S102 or the coded information thereof. Is formed and stored in an item record file F201 to be executed. The recording medium that stores the item recording file F201 to be performed is the above-described first to third steps or S201 to S201 described below.
The recording medium may be a built-in recording medium of a computer in which the step indicated by 204 is executed, or may be a recording medium connected to a different computer or the like. In this case, step S114 is a step that involves communication between the computer on which the above-described steps are executed and the computer that drives the recording medium containing the item recording file F201 to be performed.

Step S201 is an implementation status input step, which belongs to a step (reference numeral 21) of inputting an implementation status of a matter to be performed by the subscriber during the insurance contract period during the contract period. Specifically, information for identifying only one or several contractors is input, and the implementation status of the above-mentioned items in these (these) contractors is input. This input may be performed by directly inputting the presence or absence of execution of these items, or automatically by referring to an implementation status database created by a system (not shown) for managing the implementation status of the items to be performed. Is also good. In step S201, the input information or the coded information is stored in a storage element (not shown).

Step S202 is a step of reading the data recorded and accumulated in the recording file and holding the data in the storage element (reference numeral 2).
Belongs to 2). Specifically, using the information for specifying the contractor input in S201, the information to be performed, which is recorded in F201 together with the information for specifying the (these) contractors, is read. It is stored in a storage element different from the storage element. These storage elements are realized by means such as a readable / writable memory and a specific recording position on a magnetic storage medium.

Steps S203 and S204 belong to a step (reference numeral 23) of comparing the information held in the respective storage elements and, when the state of implementation does not match the matter specified at the time of contract, outputting that fact. . Specifically, S203 compares the values stored in the two storage elements. S204
If the result indicates that the implementation status does not match the matter specified at the time of the contract based on the comparison result in S203, this is output. The comparison result warning output in S204 may be displayed on a screen or printed out by a computer executing S201 to S204, or may be transmitted as data to an external terminal or computer (not shown).

The computer that executes S201 to S204 may be different from the computer that executes the first to third steps.

In the above description, it is described that the processing of each step is performed sequentially.
May be performed in the reverse order. In this case, input of information for specifying the contractor is performed in S202.

When the data processing is performed in this manner, the change in the insurance accident risk during the insurance contract period can be detected by the fact that the member actually performs the items specified as the items to be performed by the subscriber during the insurance contract period. In particular, it is possible to present relatively inexpensive insurance premiums by assuming in advance the effect of reducing the insurance rate due to the reduction at the time of contract, and has the following significance. In other words, to know beforehand the fluctuations in insurance accident risk that are expected to occur due to the fact that the subscriber does not actually perform the matters specified as conditions at the time of contract, especially the disadvantages of the insurance company side due to the increase Is realized.

<Third Embodiment> A recording medium according to a third embodiment of the present invention will be described with reference to FIG.

Although FIG. 3 shows that the processing of each procedure is performed sequentially, the first procedure (reference numeral 3)
The procedures (reference numerals 34 to 37) and the second procedure (reference numeral 32) belonging to 1) may be executed in an arbitrary order. The order of execution of the steps in each procedure does not matter. Furthermore, the steps belonging to the procedures indicated by reference numerals 34 to 37 may be executed in any order regardless of which procedure the procedure belongs to.

Step S301 is an initialization processing step outside the present invention, and performs initialization of an input screen, open processing of a database file to be referred to, and the like.

Steps S302 and S303 belong to a procedure (reference numeral 34) for inputting an objective matter relating to an insurance contractor or a candidate who wants to join the insurance. It belongs to a procedure (reference numeral 35) for inputting possible numerical values and indices.
Specifically, S302 is an insurance contractor name input step, S303 is a total insured number input step, and S304 is an applied merit / demerit rate input step. The merits and demerits rates mean discount rates and surcharge rates. Here, each item may be actually input individually, or may be automatically input by referring to a database (not shown) from information that specifies a policyholder such as an existing insurance contract number.

Steps S305, S306, and S307 belong to a procedure (reference numeral 36) for inputting an objective matter relating to the property subject to the insurance contract.
Reference numeral 5 denotes a target vehicle model input step, S306 denotes a target vehicle initial registration date input step, and S307 denotes a target vehicle safety equipment selection input step. In the model input step of the target vehicle, the model may be directly input, or a maker name, a common name of a vehicle type, or the like may be input, and the information may be input by referring to a database (not shown) from the information. . In the target vehicle safety equipment input selection step, whether or not the target vehicle is equipped with an ABS (anti-lock brake system) and an airbag is input.

Steps S308, S309 and S310 belong to a procedure (reference numeral 37) for inputting contract conditions such as the type of accident to be covered by the insurance and the upper limit of the paid insurance amount.
More specifically, S308 is a target contract type selection input step, S309 is a vehicle insurance presence / absence amount input step, and S310 is a compensation detail setting input step.
In the target contract type input step, select the desired contract type from the pre-set contract types by combining the presence or absence of personal compensation, objective compensation, passenger disability, limitation of subject, maximum compensation amount in advance Input. S
Reference numeral 310 denotes an input step for correcting and setting details such as the maximum amount of compensation set in advance for each contract type selected and input in S308.

Each of the steps S302 to S310 constitutes a first procedure. In this example, all the procedures belonging to the categories indicated by reference numerals 34 to 37 are provided, but in the present invention, it is sufficient that at least one of these procedures is actually provided.

Step S311 is an item selection input step to be performed, which belongs to a second procedure (reference numeral 32) for the subscriber to input items to be performed during the insurance contract period. Specifically, the user selects and inputs an item that is a condition of the contract from among predetermined items such as safe driving education and a driving management method.

Step S312 is an insurance premium calculation step, which calculates an insurance premium or the like, that is, an insurance premium or an insurance premium rate, or an index that can be converted into these, from the information input in the first and second procedures. It belongs to the third procedure (reference numeral 33). This third procedure is based on whether or not there is any matter to be performed by the subscriber during the insurance contract period entered by the second procedure and the contents thereof, and the calculated insurance premium, that is, the insurance premium or insurance rate, or Data processing is performed by operating such that the indices that can be converted into these are changed.

Specifically, the third procedure uses information input by the first procedure, or information obtained by classifying, stratifying, or indexing the information, and combines the information with the insurance premium. The insurance premium and the like are calculated by referring to data (not shown) having a data structure in which the data and the like are associated, and the result is stored in a first storage element (not shown).

Further, a correction coefficient is calculated by using the information input in the second procedure, and the value is stored in a second storage element (not shown). These first and second storage elements are realized by means such as a readable / writable memory and a specific recording position on a magnetic storage medium. As a method of calculating the correction coefficient, for example, in the simplest case, a fixed value may be given to each of the items to be performed, or after the items to be performed are performed for the first time, Alternatively, a value that gradually decreases depending on the period of execution may be given. Further, the coefficient may be calculated so as to change depending on the items input in the first procedure. The coefficient is calculated in accordance with the change in insurance accident risk during the insurance contract period predicted by the contractor performing the items to be performed by the subscriber during the insurance contract period. In particular, the change in the loss ratio due to the decrease should be reflected, but the specific derivation method does not matter.

Next, the values stored in the first and second storage elements are read out, and the insurance premium or the like actually applied is calculated from them. Specifically, for example, by executing multiplication on the values held in the first and second storage elements, an insurance premium or the like to be actually applied is obtained. Alternatively, after performing a secondary correction due to business circumstances or the like, for example, setting a lower limit, on the value held in the second storage element, the value is held in the first storage element. The insurance premium or the like may be calculated by multiplying the calculated value by the calculated value.

S313 is a calculated premium output step outside the present invention, in which the premium calculated in the premium calculation step is displayed on a screen, printed out, or transmitted to an external terminal or computer (not shown). Send as

By recording a computer program for performing the above procedure on a recording medium, an insurance contract that can be seen by the subscriber actually performing the matters specified as the matters to be performed by the subscriber during the insurance contract period A recording medium is recorded which records an insurance business data processing program capable of presenting relatively inexpensive insurance premiums by assuming, at the time of contract, a change in insurance accident risk during a period, particularly the effect of reducing the insurance rate due to the reduction.

<Fourth Embodiment> Next, the execution procedure of a computer program for supporting insurance business recorded on a recording medium according to the present invention will be described with reference to FIG. This data processing procedure also has the procedures indicated by reference numerals 31 to 37 in FIG. 3 in the same manner as FIG. 3, but a part of them is omitted in FIG.

This embodiment includes a policyholder name input step S302 as a procedure for inputting information for specifying a policyholder.

S314 is an item recording step to be performed, and belongs to a procedure (reference numeral 38) for recording and accumulating items to be performed by the subscriber during the insurance contract period. More specifically, a data structure in which the items to be performed by the subscriber during the insurance contract period input in S312 and the information specifying the contractor input in S302 or the coded information thereof is associated with each other. Is formed and stored in an item record file F401 to be executed. The recording medium for storing the item recording file F401 to be performed may be the first to third procedures described above or S401 to S40 described below.
The recording medium may be a built-in recording medium of a computer that executes the procedure indicated by 404, or may be a recording medium connected to a different computer or the like. In this case, step S314 is a step that involves communication between the computer that executes the above-described procedures and the computer that drives the recording medium that stores the item recording file F401 to be performed.

S401 is an implementation status input step, in which a procedure for inputting the implementation status of items to be performed by the subscriber during the insurance contract period during the contract period (reference numeral 41).
Belongs to. Specifically, the user is required to input information for identifying one or several contractors, and to input the implementation status of the above-mentioned items in these (these) contractors. This input may be performed by directly inputting whether or not to execute these items, or automatically by referring to an implementation status database created by a system (not shown) that manages the implementation status of the items to be performed. Is also good. S4
No. 01 causes the input element or the encoded information to be stored in a storage element (not shown).

Step S402 belongs to a procedure (reference numeral 42) for reading the data recorded and stored in the recording file and holding the data in the storage element. Specifically, using the information for specifying the contractor input in S401, the information to be performed recorded in F401 together with the information for specifying the (these) contractors is read, and in S401 (not shown) It is stored in a storage element different from the storage element. These storage elements are realized by means such as a readable / writable memory and a specific recording position on a magnetic storage medium.

Steps S403 and S404 belong to a procedure (reference numeral 43) for comparing the information held in the respective storage elements and, when the state of implementation does not match the matter specified at the time of contract, outputting that fact. . Specifically, S403 compares the values stored in the two storage elements. S404
If the result indicates that the state of implementation does not match the matter specified at the time of the contract based on the comparison result in S403, this is output. The comparison result warning output in S404 may be displayed on the screen or printed out by a computer that executes S401 to S404, or may be transmitted as data to an external terminal or computer (not shown).

In the above description, the processing of each procedure is described to be performed sequentially.
May be performed in the reverse order. In this case, input of information for specifying a contractor is performed in S402.

By recording the computer program for performing the above procedure on a recording medium, an insurance contract which can be seen by the subscriber actually performing the matters specified as the matters to be performed by the subscriber during the insurance contract period In addition to being able to present relatively inexpensive insurance premiums by assuming in advance the change in insurance accident risk during the period, especially the effect of reducing the insurance rate due to the reduction at the time of contract, it has the following significance. In other words, to know beforehand the fluctuations in insurance accident risk that are expected to occur due to the fact that the subscriber does not actually perform the matters specified as conditions at the time of contract, especially the disadvantages of the insurance company side due to the increase And a recording medium on which a data processing program for insurance business is recorded.

<Fifth Embodiment> FIG. 5 shows an example of the external appearance of a computer according to the present invention. In this embodiment, a computer 101 of the present invention includes a display device 102 and a keyboard 103 as an input device. FIG. 7 is a block diagram showing a simplified configuration of a main part of the computer of the present invention in this embodiment. The recording medium according to the present invention is a computer 10 in this embodiment.
1 is an auxiliary storage device 124 built in, specifically, a hard disk.

FIG. 8 shows an embodiment of a computer according to the present invention by explaining a procedure of executing a computer program for supporting insurance business recorded on a recording medium incorporated therein.

Although FIG. 8 shows that the processing of each procedure is performed sequentially, the first procedure (reference numeral 5)
Each of the procedures (reference numerals 54 to 57) and the second procedure (reference numeral 52) belonging to 1) may be executed in an arbitrary order. The order of execution of the steps in each procedure does not matter. Further, the steps belonging to the procedures 54 to 57 may be executed in any order regardless of which procedure the procedure belongs to.

Step S501 is an initialization processing step outside the present invention, and performs initialization of an input screen, open processing of a database file to be referred to, and the like.

Steps S502 and S503 belong to a procedure (reference numeral 54) for inputting objective matters relating to the policyholder or the applicant for insurance, and step S504 is a discount premium rate to be applied in a new insurance policy or a conversion to this rate. It belongs to the procedure (reference numeral 55) for inputting possible numerical values and indices.
More specifically, S502 is an insurance contractor name input step, S503 is a total insured number input step, and S504 is an applied merit / demerit rate input step. The merits and demerits rates mean discount rates and surcharge rates. Here, each item may be actually input individually, or may be automatically input by referring to a database (not shown) from information that specifies a policyholder such as an existing insurance contract number.

Steps S505, S506, and S507 belong to a procedure (reference numeral 56) for inputting objective matters relating to the insurance contract subject property.
5 is a target vehicle type input step, S506 is a target vehicle initial registration date input step, and S507 is a target vehicle safety equipment selection input step. In the model input step of the target vehicle, the model may be directly input, or a maker name, a common name of a vehicle type, or the like may be input, and the information may be input by referring to a database (not shown) from the information. . In the target vehicle safety equipment input selection step, whether or not the target vehicle is equipped with an ABS (anti-lock brake system) and an airbag is input.

Steps S508, S509 and S510 belong to a procedure (reference numeral 57) for inputting contract conditions such as the type of accident to be covered by the insurance and the upper limit of the paid insurance amount.
Specifically, S508 is a target contract type selection input step, S509 is a vehicle insurance presence / absence amount input step, and S510 is a compensation detail setting input step.
In the target contract type input step, select the desired contract type from the pre-set contract types by combining the presence or absence of personal compensation, objective compensation, passenger disability, limitation of subject, maximum compensation amount in advance Input. S
Reference numeral 510 denotes an input step for correcting and setting details such as the maximum amount of compensation set in advance for each contract type selected and input in S508.

The steps S502 to S510 constitute the first procedure. In this example, all the procedures belonging to the categories indicated by reference numerals 54 to 57 are provided, but in the present invention, it is sufficient that at least one of these procedures is actually provided.

Step S511 is an item selection input step to be performed, which belongs to a second procedure (reference numeral 52) for allowing the subscriber to input items to be performed during the insurance contract period. Specifically, the user selects and inputs an item that is a condition of the contract from among predetermined items such as safe driving education and a driving management method.

Step S512 is an insurance premium calculation step, which calculates an insurance premium or the like, that is, an insurance premium or an insurance premium rate, or an index convertible into these, from the information input in the first and second procedures. It belongs to the third procedure (reference numeral 53). This third procedure is based on whether or not there is any matter to be performed by the subscriber during the insurance contract period entered by the second procedure and the contents thereof, and the calculated insurance premium, that is, the insurance premium or insurance rate, or Data processing is performed by operating such that the indices that can be converted into these are changed.

Specifically, the third procedure uses information input by the first procedure, or information obtained by classifying, stratifying, or indexing the information, and combines the information with the insurance premium. The insurance premium and the like are calculated by referring to data (not shown) having a data structure in which the data and the like are associated, and the result is stored in a first storage element (not shown).

Further, a correction coefficient is calculated by using the information input in the second procedure, and the value is stored in a second storage element (not shown). These first and second storage elements are realized by means such as a readable / writable memory and a specific recording position on a magnetic storage medium. As a method of calculating the correction coefficient, for example, in the simplest case, a fixed value may be given to each of the items to be performed, or after the items to be performed are performed for the first time, Alternatively, a value that gradually decreases depending on the period of execution may be given. Further, the coefficient may be calculated so as to change depending on the items input in the first procedure. The coefficient is calculated in accordance with the change in insurance accident risk during the insurance contract period predicted by the contractor performing the items to be performed by the subscriber during the insurance contract period. In particular, the change in the loss ratio due to the decrease should be reflected, but the specific derivation method does not matter.

Next, the values stored in the first and second storage elements are read out, and the insurance premium or the like to be actually applied is calculated from them. Specifically, for example, by executing multiplication on the values held in the first and second storage elements, an insurance premium or the like to be actually applied is obtained. Alternatively, after performing a secondary correction due to business circumstances or the like, for example, setting a lower limit, on the value held in the second storage element, the value is held in the first storage element. The insurance premium or the like may be calculated by multiplying the calculated value by the calculated value.

Step S513 is a calculated premium output step outside the present invention, in which the premium calculated in the premium calculating step is displayed on a screen, printed out, or transmitted to an external terminal or computer (not shown). Send as

By incorporating a recording medium in which a computer program for performing the above-described procedure is recorded, it is possible for the subscriber to perceive items specified as items to be performed during the insurance contract period by actually performing the items. Includes a built-in recording medium that records a data processing program for insurance business that can present relatively inexpensive premiums by assuming at the time of contract the fluctuation of insurance accident risk during the insurance contract period, especially the effect of reducing the insurance rate due to the reduction A computer is realized.

<Sixth Embodiment> FIG. 6 shows an example of the appearance of a computer according to the present invention which is different. In this embodiment, a computer 111 of the present invention includes a display device / touch sensor type input device 112 and an input button 113 as an input device. The operator presses the input button 113 or touches a predetermined portion of the display / touch sensor type input device 112 with a finger or a touch pen 114 detachably attached to the computer 111 of the present invention. Perform the operation. In this embodiment, the recording medium according to the present invention is a ROM built in or attached to the computer 111 of the present invention.
Or a memory card. The execution procedure of the computer program for supporting the insurance business recorded on the recording medium of the present invention is the same as that of the above-described computer embodiment of the present invention.

<Seventh Embodiment> Next, FIG. 9 shows a computer according to an embodiment of the present invention, and the execution procedure of a computer program for supporting insurance business recorded on a recording medium incorporated therein. Shown by explanation. Also in this data processing procedure, reference numerals 51 to 51 in FIG.
Each procedure shown in FIG. 57 is the same as that in FIG. 8, but a part thereof is omitted in FIG.

This embodiment includes a policyholder name input step S502 as a procedure for inputting information for specifying a policyholder.

S514 is an item recording step to be performed, and belongs to a procedure (reference numeral 58) for recording and storing items to be performed by the subscriber during the insurance contract period. More specifically, a data structure in which the items to be performed by the subscriber during the insurance contract period input in S512 and the information for specifying the policyholder input in S502 or the coded information thereof is associated with each other. Is formed and stored in an item record file F601 to be executed. The recording medium that stores the item recording file F601 to be performed is the above-described first to third procedures or S601 to S601 described below.
It may be a built-in recording medium of a computer in which the procedure shown in 604 is executed, or may be a recording medium connected to a different computer or the like. In this case, step S514 is a step that involves communication between the computer that executes the above-described procedures and the computer that drives the recording medium that stores the item recording file F601 to be performed.

S601 is an implementation status input step, in which a procedure for inputting the implementation status of items to be performed by the subscriber during the insurance contract period during the contract period (reference numeral 61).
Belongs to. Specifically, the user is required to input information for identifying one or several contractors, and to input the implementation status of the above-mentioned items in these (these) contractors. This input may be performed by directly inputting whether or not to execute these items, or automatically by referring to an implementation status database created by a system (not shown) that manages the implementation status of the items to be performed. Is also good. S6
No. 01 causes the input element or the encoded information to be stored in a storage element (not shown).

Step S602 belongs to a procedure (reference numeral 62) for reading out the data recorded and stored in the recording file and holding the data in the storage element. Specifically, using the information for specifying the contractor input in S601, the information to be performed, which is recorded in F601 together with the information for specifying the (these) contractors, is read. It is stored in a storage element different from the storage element. These storage elements are realized by means such as a readable / writable memory and a specific recording position on a magnetic storage medium.

Steps S603 and S604 belong to a procedure (reference numeral 63) for comparing the information held in the respective storage elements and outputting an indication when the implementation status does not match the item specified at the time of the contract. . Specifically, step S603 compares the values stored in the two storage elements. S604
If the result indicates that the implementation status does not match the matter specified at the time of the contract based on the comparison result in S603, this is output. The comparison result warning output in S604 may be displayed on the screen or printed out by a computer that executes S601 to S604, or may be transmitted as data to an external terminal or computer (not shown).

In the above description, the processing of each procedure is described as being performed sequentially. However, S601 and S602
May be performed in the reverse order. In this case, information for specifying the contractor is input in S602.

By incorporating a recording medium on which a computer program for performing the above-described procedure is recorded, it is possible to check whether the subscriber actually performs the items specified as the items to be performed during the insurance contract period. In addition to being able to present relatively inexpensive insurance premiums by assuming in advance the fluctuation of insurance risk during the insurance contract period, especially the effect of reducing the insurance rate due to the reduction at the time of contracting, it has the following significance. In other words, to know beforehand the fluctuations in insurance accident risk that are expected to occur due to the fact that the subscriber does not actually perform the matters specified as conditions at the time of contract, especially the disadvantages of the insurance company side due to the increase A computer with a built-in recording medium storing a data processing program for insurance business that can be implemented is realized.

[0093]

In general, there are two ways to cope with risks: “risk control,” which controls them as a proactive measure and avoids, prevents, and mitigate them. There are two types of “risk finance” to prepare. In the latter case, the basic framework of insurance is that a large number of persons with similar risks share their reserve funds. Conventionally, even when an insurance company actively provides advice on “risk control”, in the calculation of premiums, the probability that this risk will materialize throughout the contract period has been treated as being constant. However, according to the present invention, an appropriate insurance premium is calculated even when the probability that the risk becomes healthy, that is, the probability of the occurrence of an insurance accident, is expected to change over time after contracting due to education or application of a system. It is possible to do. This will improve the basic mechanism of premium calculation and make it possible for insurance companies to be more aggressive in addressing risks and contribute to the development of the industry.

[Brief description of the drawings]

FIG. 1 is a flowchart showing a data processing method for insurance business of the present invention.

FIG. 2 is a flowchart showing a data processing method for insurance business of the present invention.

FIG. 3 is a flowchart showing an execution procedure of a computer program for supporting insurance business recorded on a recording medium of the present invention.

FIG. 4 is a flowchart showing an execution procedure of a computer program for supporting insurance business recorded on a recording medium of the present invention.

FIG. 5 is a perspective view showing the appearance of a computer according to the present invention.

FIG. 6 is a front view showing the appearance of the computer of the present invention.

FIG. 7 is a block diagram illustrating a configuration of a computer according to the present invention.

FIG. 8 is a flowchart showing an execution procedure of a computer program for supporting insurance business recorded on a recording medium built in the computer of the present invention.

FIG. 9 is a flowchart showing an execution procedure of a computer program for supporting insurance business recorded on a recording medium built in the computer of the present invention.

[Explanation of symbols]

S101, initialization processing step S102, policyholder name input step S103, total insured unit number input step S104, applicable merit / demerit rate input step S105, target vehicle type input step S106, target vehicle initial registration date input Step S107, target vehicle safety equipment selection input step S108, target contract type input step S109, vehicle insurance presence / absence amount input step S110, compensation details setting input step S111, item selection input step to be performed S112, insurance premium calculation Step S113, calculated premium output step S114, item recording step F201, item recording file S201 to be executed, execution status input step S202, item reading step S203, Comparison step S204, comparison result warning output step S301, initialization processing step S302, policyholder name input step S303, total insured number input step S304, applicable merit / demerit rate input step S305, target vehicle model input step S306, Initial registration date of target vehicle input step S307, Safety equipment selection input step of target vehicle S308, Target contract type input step S309, Vehicle insurance existence / deductible amount input step S310, Compensation details detailed setting input step S311, Should be performed Item selection input step S312, insurance premium calculation step S313, calculated premium output step S314, item record step to be performed F401, item record file to be performed S401, implementation status input step S 02, reading step to be executed S403, comparison step S404, comparison result warning output step S501, initialization processing step S502, policyholder name input step S503, total insured number input step S504, applicable merit / demerit rate input step S505, target vehicle type input step S506, target vehicle initial registration date input step S507, target vehicle safety equipment selection input step S508, target contract type input step S509, vehicle insurance existence / deductible amount input step S510, compensation Detailed contents setting input step S511, item selection input step to be performed S512, insurance premium calculation step S513, calculated premium output step S514, item recording step to be performed F601, things to be performed Item record file S601, implementation status input step S602, item to be performed reading step S603, comparison step S604, comparison result warning output step 101, computer 102 of the present invention, display device 103, keyboard 111, computer 112 of the present invention, display Device / touch sensor type input device 113, input button 114, touch pen 120, computer main part 121, CPU 122, main memory 123, auxiliary storage drive 124, auxiliary storage 125, display drive 126, display 127 of the present invention , Input / output control unit 128, keyboard 130, system bus

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[Procedure amendment]

[Submission date] June 22, 2001 (2001.6.2)
2)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Added

[Correction contents]

[Claims]

9. A computer having a recording medium on which the program according to claim 5 is recorded, wherein the computer calculates a correction coefficient using information input by the second procedure according to claim 5, and calculates the value. If the procedure held in the second storage element is such that the subscriber intends to continue performing the items to be performed during the insurance contract period before the start of the contract period, the relevant items are performed for the first time. And a recording medium storing an insurance business program characterized by giving the correction coefficient so that the degree of correction gradually decreases in accordance with the period continuously performed from the start of the contract period to the start of the contract period. Computer. ────────────────────────────────────────────────── ───

[Procedure amendment]

[Submission date] July 26, 2001 (2001.7.2)
6)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Change

[Correction contents]

[Claims]

 ──────────────────────────────────────────────────の Continuation of the front page (54) [Title of Invention] A data processing method for insurance business and a recording medium for recording a program for supporting insurance business by computer and a program for supporting insurance business. Computer with built-in recording medium

Claims (6)

[Claims] Claims: 1. A step of inputting objective information relating to a policyholder or a candidate for insurance, a step of inputting a discount rate to be applied in a new insurance policy or a numerical value or index convertible thereto, A first step including at least one of a step of inputting objective matters relating to the property to be contracted and a step of inputting contract conditions such as the type of accident to be covered by the insurance and the upper limit of the paid insurance amount. And a second step of inputting items to be performed by the subscriber during the insurance contract period, and information such as insurance premiums, insurance rates or insurance rates from the information input in the first and second steps. A third step of calculating a convertible index, wherein the third step is obtained by classifying, stratifying, or indexing the information input in the first step, or the information input by the first step. Calculating the insurance premium and the like by referring to the data having a data structure in which the information is associated with the insurance premium and the like using the information, and storing the result in the first storage element. And a step of calculating a correction coefficient using the information input in the second step, and holding the value in a second storage element, and a value held in the first and second storage elements. And calculating a premium or the like to be actually applied from the data and the insurance business data processing method using a computer. 2. The data processing method for insurance business according to claim 1, wherein the step of inputting objective information relating to an insurance policyholder or an insurance applicant who belongs to the first step described in claim 1 is performed by the insurance policyholder. Further comprising the step of: inputting information specifying the policyholder, and further inputting in the second step according to claim 1, the items to be performed by the subscriber during the insurance contract period, and the information specifying the policyholder or Forming a data structure that associates the encoded information with a file, recording and storing the data structure in a file, reading the data stored in the file, and storing the data in a storage element; Input the implementation status of these items by the user and compare the information stored in each storage element with the process of storing them in another storage element, and confirm the implementation status in the items specified at the time of contract. 2. A data processing method for insurance business using a computer according to claim 1, further comprising a step of outputting a message when they do not match. 3. A recording medium for recording a program for supporting insurance business by a computer, the program comprising a procedure for inputting an objective matter relating to a policyholder or a candidate for insurance, and a new policy for insurance. To enter the discount rate or numerical value or index that can be applied to the insurance, the procedure to enter objective items related to the property covered by the insurance contract, the type of accident to be covered by the insurance, and the upper limit of the amount of insurance paid A first procedure including at least one of the following procedures; a second procedure for entering items to be performed by the subscriber during the insurance contract period; The third procedure for calculating insurance premiums or the like, that is, premiums or premium rates or indices that can be converted into these, from the information input in the second procedure Including the third procedure, the information entered by the first procedure, or the information obtained by classifying, stratifying or indexing the information, these information and insurance premiums and the like are associated By referring to data having a data structure, insurance premiums and the like are calculated,
A procedure for storing the result in the first storage element, a procedure for calculating a correction coefficient using the information input by the second procedure, and a procedure for storing the value in the second storage element; And reading the value held in the second storage element,
A procedure for calculating the actual premium to be applied from them,
A recording medium on which an insurance business program is recorded. 4. A recording medium on which the program according to claim 3 is recorded, wherein said step of inputting an objective matter relating to a policyholder or an insurance applicant who belongs to the first procedure according to claim 3 comprises an insurance policy. A step of inputting information for identifying a policyholder, further comprising the step of inputting in the second procedure according to claim 3, the items to be performed by the subscriber during the insurance contract period, and the information or the information for identifying the policyholder. A procedure for forming a data structure in which the encoded information is associated with the data, recording and storing the data in a file, reading the data stored in the file, and storing the data in a storage element; The procedure for inputting the implementation status of these matters by the contractor and storing it in another storage element and comparing the information stored in each of the above storage elements,
4. The recording medium according to claim 3, further comprising a step of, when the implementation status does not conform to a matter specified at the time of the contract, outputting a message to that effect. 5. A computer having a recording medium on which a program for supporting insurance business is recorded, the program comprising a procedure for inputting an objective matter relating to an insurance policyholder or an insurance applicant, and a new procedure. Procedures for entering the discount rate applicable to the insurance contract or a value or index that can be converted to it, procedures for entering objective matters related to the property covered by the insurance contract, type of accident to be covered by insurance, amount of insurance paid A first procedure including at least one of the following procedures; a second procedure for entering items to be performed by the subscriber during the insurance contract period; and A third procedure for calculating insurance premiums and the like, that is, insurance premiums or insurance premium rates or indices that can be converted into these, from information input in the first and second procedures. In the third procedure, the information entered by the first procedure, or information obtained by classifying, stratifying, or indexing the information, is used to associate these pieces of information with insurance premiums and the like. Calculating the insurance premium and the like by referring to the data having the data structure described above, and calculating the correction coefficient by using the information input by the second procedure and the procedure of storing the result in the first storage element. And storing the value in a second storage element;
Reading out the values held in the first and second storage elements and calculating an insurance premium or the like to be actually applied therefrom. Built-in computer. 6. A computer having a recording medium on which the program according to claim 5 is recorded, wherein said computer is adapted to input an objective matter relating to a policyholder or a candidate who wants to apply for insurance, which belongs to the first procedure according to claim 5. The procedure should include entering information identifying the policyholder,
6. A data structure for associating items to be performed by the subscriber during the insurance contract period with information for specifying the policyholder or information obtained by encoding the policyholder, which is input in the second procedure according to claim 5. Then, a procedure for recording and storing this in a file, a procedure for reading out the data recorded and stored in the file and holding it in a storage element, and inputting the implementation status of these matters by the contractor during the contract period are entered. A procedure for comparing the information stored in each of the storage elements with a procedure for storing the information in the storage element and outputting a message indicating that the implementation status does not match the matter specified at the time of the contract when the implementation status does not match A computer having a recording medium on which the program according to claim 5 is recorded.