JP2000259706A - Device and method for supporting preparation of insurance designing document - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a device for supporting preparation of an insurance designing document, which can intuitively design a desired insurance even if not being well acquainted with an insurance designing document and can make a compact program. SOLUTION: The device for preparing a designing document including a chart obtained by charting a money amount information to be ensured by the insurance commodities to be contracted by selecting insurance commodities and designating an insuring age and gender to obtain the contents of the insurance is provided with a commodity selecting means 2 for selecting the insurance commodity of a desired designing document preparing object, a customer selecting means 3 for selecting customer information including the insuring age and gender, and a setup chart construction means 11 which manages a base form being a basic part form common to all the insurance commodities constituting the setup chart, a part element (constituting element) turned to be parts by decomposing the setup chart and setup chart constructing and defining information and constructing the setup chart based on selected insurance commodity and customer information by selectively reassembling the part element on the base form in accordance with setup chart constructing and defining information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a support table for preparing an insurance design document. The present invention is a graph showing a transition of a reserve fund of designed insurance, a transition of a guaranteed insurance claim, a transition of a halfway termination payment, a transition of a payment received at maturity, and the like. Disassemble a mechanism diagram into basic parts, prepare them as basic parts of various charts, and use them in combination with necessary parts according to the designed insurance so that you can obtain the necessary mechanism diagram The invention relates to an insurance design document creation support device and an insurance design document creation support method.

[0002]

2. Description of the Related Art Life insurance includes death insurance in which an insured person is paid if he or she dies within a certain period of time, and insurance if the insured person dies or survives at a certain point in time. Mixed life and death insurance that is paid, and life insurance and individual annuities (life annuity, fixed annuity) that are paid if the insured survives at a certain time.
There are various special products such as disaster specialty, hospital specialty, etc.
It is necessary to design an appropriate insurance product in consideration of the needs, budget, etc. of those who intend to join.

In this insurance design work, it is necessary to plan based on a life plan, and to design the contract contents in detail, including the budget, in anticipation of the future, and it is complicated and requires specialized knowledge. A system to support creation has been developed.

Conventionally, in a support system for creating an insurance design document, a user selects an insurance product name corresponding to a desired insurance type on a screen, and then displays a screen for performing an insurance design corresponding to the insurance product. Create a so-called structure diagram, which is a chart that allows you to visually understand the changes in insurance content from the time of enrollment to the time of maturity to display and finally confirm the design contents there And display or print it.

[0005] In the support system for creating an insurance design document, in order to realize this mechanism diagram display, a dedicated mechanism diagram screen is prepared for each insurance product and held internally. In the menu screen for selecting a product, after the insurance product is selected, a screen file of a mechanism diagram corresponding to the insurance product is read out, and only the read-out dedicated mechanism diagram screen is displayed.

However, in this method, the user has to know the contents of the insurance design document and the input items in advance, and the system side also adjusts all the insurance products including special combinations in accordance with each variation. It is necessary to prepare a dedicated scheme for each insurance product and keep it as a data file.

[0007] As described above, it is necessary to prepare an individual mechanism diagram screen corresponding to each variation and hold it as a part of a program for supporting insurance design document creation. Each time the insurance design content is changed, it must be read out and displayed on the screen every time the insurance design content is changed, and the program execution time is additionally required.

In addition, the insurance design document creation support system starts by selecting an insurance product, and since there are many items such as a product type and a special contract depending on the contents of the insurance product, conditions for selection are selected. In reality, it is not possible to use the conventional insurance design document creation support system unless you have insurance product knowledge, such as an insurance salesperson. Is,

[0009]

As described above, the conventional insurance design document creation support system cannot be practically used unless a user has knowledge of insurance products. Since it is necessary to prepare dedicated products for each product and each variation, there is a problem that the data capacity becomes enormous and it takes time to execute the program.

In recent years, along with the spread of the Internet and the like, there has been a new development in which insurance products can be contracted through a communication network, and individuals can use personal computers or terminals installed in public places. There is a demand for the development of a system that allows you to freely design insurance and subscribe online.

In order to meet such needs, the insurance design document creation support system cannot be used unless the user has knowledge of insurance products, such as an insurance salesperson. In addition, it is necessary to develop an insurance design document creation support system that is more layman's and that can design an optimal insurance that meets the needs of the individual.

Further, in the conventional insurance design document system, since individual schemes of various insurance products are stored in the program, the size of the program becomes unnecessarily large, resulting in performance problems. It is necessary to improve this as well.

Therefore, the object of the present invention is to:
An insurance design that allows users who are not familiar with insurance design documents to intuitively design insurance that meets their needs, as well as to make programs compact and improve program execution time. Another object of the present invention is to provide a document creation support device.

[0014]

According to the present invention, in order to solve the problems of the conventional insurance design document creation system, a new base form for constructing a mechanism diagram in a program is newly prepared. , By maintaining only the foundation form and constituent elements, and the construction definition information of the structure diagram, and dynamically constructing the corresponding structure diagram each time a product is selected, manages the minimum necessary components, Reduce the size of the program.

To achieve the above object, the present invention is configured as follows.

That is, an insurance product is selected and the insurance age and
By specifying the gender, an insurance product for which a desired design document is to be created is created as a device for creating a design document including a mechanism diagram in which amount information guaranteed by insurance products contracted for insurance content is charted. Product selection means for selection, customer selection means for selecting customer information including at least insurance age and gender, and a base form, which is a basic part form common to all insurance products that make up the system diagram, and a system diagram Manages the component elements (components) and the structure diagram construction definition information that have been made into components, and creates a mechanism diagram based on the selected insurance products and customer information on the base form in accordance with the structure diagram construction definition information. A mechanism diagram construction means to be constructed by selecting and assembling,
It is characterized by comprising a mechanism diagram display means for displaying the constructed mechanism diagram. Further, the contents of the parameters corresponding to the insurance product, insurance age and gender are displayed in the constructed scheme diagram, and when the parameters are changed and a calculation instruction is given, the changed calculation result is reflected in the scheme diagram. It has insurance plan drawing means.

The system having such a configuration includes a mechanism diagram in which amount information guaranteed by an insurance product contracted for insurance contents is selected by selecting an insurance product and designating the insurance age and gender. Although a design document is created, if a desired insurance product for which a design document is to be created is selected, and customer information including at least insurance age and gender is selected, the mechanism diagram constructing means executes the selected insurance. A mechanism diagram based on product and customer information is constructed by selecting and assembling the component elements on a base form according to the mechanism diagram construction definition information. In the system of the present invention, the mechanism diagram construction means includes a base form as a basic part form common to all insurance products constituting the mechanism diagram, a component element (component) obtained by disassembling the mechanism diagram into components, and
A mechanism diagram construction definition information is prepared, and a mechanism diagram based on the selected insurance product and customer information is constructed by selectively assembling the component elements on a base form according to the mechanism diagram construction definition information. Then, the constructed mechanism diagram is displayed.

This system comprises a product selection means for selecting a desired insurance product for which a design document is to be prepared, a customer selection means for selecting customer information including at least insurance age and gender, and a mechanism diagram. It has a base form, which is the basic part form common to all insurance products, and component elements (components) that are disassembled and disassembled into parts, and
A structure diagram based on the selected insurance product and the customer information, and a structure diagram for managing the structure diagram construction definition information,
It is provided with a mechanism diagram construction means for constructing by selectively assembling the component elements on the base form according to the mechanism diagram construction definition information, and a mechanism diagram display means for displaying the constructed mechanism diagram.

When the insurance product to be designed and the customer information such as insurance age and gender are specified by the product selection means and the customer selection means displayed on the screen, the information is sent to the mechanism diagram construction section. The structure diagram construction unit determines information for constructing the corresponding structure diagram from the structure diagram construction definition information, and determines, from the component management unit, a component that is a structure diagram component element necessary for constructing the corresponding structure diagram. A dynamic mechanism diagram is created by extracting and combining the extracted component elements to create a mechanism diagram, and is constructed on a base form. Then, data matching the selected insurance product and customer is defined on the constructed mechanism diagram, and is displayed on the screen.

Further, since there is a design document creating means, the design document creating means adds insurance products,
The contents of the parameters corresponding to the insurance ages and genders are displayed, and when the parameters are changed and a calculation instruction is given, the changed calculation results are reflected in the system diagram. Therefore, if the contents of the parameters are changed, the changes are reflected in the structure diagram, so that even an unskilled person can design insurance with desired contents.

In short, the present invention provides an insurance plan support system which is a graph chart showing the transition of the designed reserve of insurance, the transition of the guaranteed insurance, the transition of the surrender money, the transition of the receivable at maturity, and the like. , Disassembled into basic elements, prepared as common parts for various charts, selected necessary parts from these common parts according to the designed insurance, combined and used to complete the necessary structural diagram Get in the form. This eliminates the need for a type-specific scheme diagram conventionally prepared for each insurance type, and reduces the data capacity of the scheme diagram that must be prepared. In other words, by preparing parts for creating a mechanism diagram and selecting and combining necessary parts according to the insurance type, the capacity of the chart that must be prepared can be minimized. In addition, since there is a design document creation means, the design document creation means displays the contents of parameters corresponding to insurance products, insurance ages and genders in the constructed mechanism diagram, changes the parameters, and gives a calculation instruction. Then, the changed calculation result is reflected in the structure diagram. Therefore, if the contents of the parameters are changed, the changes are reflected in the mechanism diagram, so that even an unskilled person can design insurance with desired contents. .

[0022]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described.
This will be described with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of an insurance design document creation support device as an embodiment employing a dynamic diagram construction system according to the present invention. In FIG. 1, 1 is a product menu portion, 2 is a product selection portion, 3 is a customer selection portion, 4 is a design document creation portion, 5 is a default value file, 6 is a mechanism diagram display portion, 7 is a parameter setting portion, 8 is the insurance design department,
Reference numeral 9 denotes a difference display unit, 10 denotes a design formula file, 11 denotes a scheme drawing construction unit, 12 denotes a scheme drawing construction definition file, and 13 denotes a component management unit.

Among them, the product menu section 1 realizes functions such as an input / output subwindow for selecting various design basic information and a window having a display area for various information. The product menu unit 1 has a product selection unit 2 for selecting a product and a customer selection unit 3 for selecting a customer, and has a function of receiving information necessary for design from a user.

The product selection section 2 provides a screen in which a plurality of selection buttons are arranged, and implements a graphical user interface (GUI) function of passing the button operation to a program as an event. The selection button of the product selection unit 2 is pressed when the user determines a product to be designed.

The customer selecting section 3 provides a screen having selecting means for selecting various kinds of customer information to the customer selecting section 3, and the customer selecting section 3 can input customer information by selecting customer information from a list. This implements a graphical user interface (GUI) function that can pass the input customer information to the program. The user can select the information of the customer who wants to design from this selection means. There are various possible choices for these choices, but for ease of explanation, consider an example in which age and gender are selected from a list.

The design document creator 4 comprises a mechanism diagram display unit 6, an insurance design unit 8, a difference display unit 9, and a mechanism diagram construction unit 11, and is based on various design basic information given by the product menu unit 1. It has a function of performing insurance design, creating a mechanism diagram corresponding to the design result, and displaying it.

The default value file 5 is a file of standard insurance design document data for a combination of insurance products and representative customer information.

The mechanism diagram display section 6 is for displaying a mechanism diagram of the insurance design document created by the design document creating section 4. Items that can be changed on this mechanism diagram include parameter setting. Connected to the department.

The parameter setting section 7 realizes a graphical user interface (GUI) function for providing a user with a method of changing parameters on the mechanism diagram. Has a function of displaying software 10 keys and the like, and displaying a list or the like on a screen in a pop-up format for a portion where an item is selected, and accepting an input from a user by a mouse operation or a touch panel operation. There is a mechanism.

The insurance design unit 8 has a function of executing a calculation for designing again after the parameters on the scheme are changed.

The difference display unit 9 has a function of displaying the difference before and after the redesign in the display area of each parameter defined on the structure diagram.

The design formula file 10 has a function of managing a design formula for the insurance design unit 8 to redesign each parameter on the mechanism diagram. In addition, mechanism diagram construction section 1
Reference numeral 1 has a function of constructing a mechanism diagram corresponding to the product selected by the product selection unit 2.

The mechanism diagram construction definition file 12 is a file for managing definition information as to which component each mechanism diagram is composed of.

The component management unit 13 has a function of managing components serving as graphic parts constituting a mechanism diagram.

FIG. 20 is a diagram showing an interactive screen flow for a user in the present invention in comparison with a conventional method (FIG. 20A) and a method of the present invention (FIG. 20B). Hereinafter, the difference between the conventional method and the method of the present invention will be described with reference to FIG.

In the conventional method, first, a product menu is displayed on a screen, and when the user selects a customer and a product by operating the product menu screen,
The default values of parameters such as the payment period and insurance money corresponding to the selected product are read from the file. Then, a parameter setting screen is displayed, and the read default value is set and displayed on the parameter setting screen.

The user listens to the customer's request, changes the parameters on this parameter setting screen in order to meet the request, and then presses a button on the screen for calculating the insurance premium. Is performed.
Then, the calculation result is displayed on the insurance premium confirmation screen.
Furthermore, only when the user wants to visually grasp this result in the mechanism diagram, pressing the button on the screen to call the mechanism diagram display screen displays the corresponding product mechanism diagram and calculation result on the screen. You.

In the conventional scheme, these mechanism diagram display screens are separately configured for each product, and when various parameters are changed and confirmed on the mechanism diagram again, the screen once returns to the parameter setting screen and changes. Specify the parameter you want to call, call the parameter setting section in a pop-up screen format such as a calculator, change the value by operating the keys on this pop-up calculator, and after completing the change, calculate the insurance premium again. It is necessary to perform a process and an operation of displaying the insurance premium confirmation screen and calling the mechanism diagram display screen after the confirmation is completed. In addition, since the structure diagram differs for each insurance product, each structure diagram display screen is separately fixed and only the structure diagram corresponding to the selected product is statically displayed on the screen.

On the other hand, in the method of the present invention,
As shown in FIG. 20 (b), as in the conventional method, the process is the same until the user selects a product with a customer on the product menu screen provided by the product menu unit 1. However, if the execute button is pressed after selecting the customer and product, the mechanism diagram for the selected product is dynamically configured, and the default values of the parameters corresponding to the selected customer and product are read from the file. Then, it is displayed on the mechanism diagram display unit 6. The meaning of dynamic in this case is that, in the present invention, the constituent figures of the mechanism diagram are made into parts in the minimum unit, and those necessary for finally forming the necessary mechanism diagram are selected and arranged from these various parts. Since this method employs a method of pasting to a position to be completed and completing a target structure diagram, it means that necessary graphic parts are selected and required arrangement is performed.

The parameters can be changed by using the mechanism diagram display unit 6
Thus, the setting can be performed from the parameter setting unit 7 as in the conventional method. In the method of the present invention, when the recalculation button on the mechanism diagram display unit 6 is pressed, the calculation result for the changed parameter value is directly reflected on the mechanism diagram display unit 6.

In the system of the present invention, the screen interactively displayed to the user includes a “product menu screen” by the product menu unit 1, a “structure diagram” table screen by the mechanism diagram display unit 6, and a parameter screen. Only the “parameter setting screen” by the setting unit 7 is automatically processed.

That is, in the method of the present invention, all operations that were separately performed on the parameter setting screen, the insurance premium confirmation screen, and the mechanism diagram display screen in the conventional method can be performed on the mechanism diagram display screen. ing. Therefore, the operation up to the display of the mechanism diagram after the parameter is changed is easier than in the conventional method.

FIG. 2 is a diagram in which an interactive screen for a user in the system of the present invention (FIG. 2A) is associated with an internal processing flow (FIG. 2B). Details of each processing of the internal processing flow will be described with reference to FIGS.

In FIG. 2, which item in FIG. 15 to FIG. 19 corresponds to each process is described in comparison with the step numbers from step S201 to step S241 in FIG. 15 to FIG. Hereinafter, the internal processing flow of the method of the present invention will be described with reference to FIG.

That is, first, the screen Pc1 of the "product menu" by the product menu section 3 is displayed, and the customer's selection of the customer and the selection of the product are accepted (steps S201 to S)
206). The product selection screen has a format in which buttons for each product of various insurance products are arranged. The customer selection screen is, for example, a selection input screen for “age” and “sex”. "Age" and "Gender" so that you do not need to operate numeric keys
When a pull-down switch in the item window is pressed, a list is displayed, and when a corresponding item is designated, it is taken into the item window and can be delivered to a program as data.

When the customer information and the target product are selected by such an operation on the screen by the product menu unit 3 and the execution button on the screen is pressed, the mechanism diagram construction unit 11
Is a mechanism diagram construction definition file 12 and a component management unit 13
Then, the base form Pc2 of the mechanism diagram is read into the memory in a non-display state (step S207). That is, arithmetic processing, screen creation, and the like are performed on a work memory, and a memory is provided for that purpose. In particular, the insurance design document creation support device is provided as an application, and is often realized by being transplanted to a general-purpose computer such as a personal computer and executed. For this reason, the base form of the system diagram is read into the main memory of the personal computer and the necessary screen is created.

The base form of the mechanism diagram is a basic form image in which a place for arranging components of the product is secured, and a menu button, a button for redesign instruction, an end button, and the like are arranged.

When the base form Pc2 of the mechanism diagram has been read into the memory, the mechanism diagram construction unit 11 next reads the definition information of the component of the selected product from the mechanism diagram construction definition file 12, and reads the definition. The part defined by the information is extracted from the component management unit 13 and the base form P
It is arranged on c2, a mechanism diagram is constructed, and displayed on the display by the mechanism diagram display unit 6 (step S22).
0).

Next, default values corresponding to “customer” and “product” selected by the user are extracted from the default value file 5 by the design document creating section 4 (steps S221 to S221).
229), displayed on the mechanism diagram displayed by the function of the mechanism diagram display unit 6 (steps S230, S23).
1).

In this state, the user can change the parameter, and when the display area of the changeable parameter on the mechanism diagram displayed by the function of the mechanism diagram display unit 6 is clicked, the parameter setting unit A pop-up calculator is displayed on the screen by the function of (7) (P
c4) The user can change parameters by operating a calculator key on this screen (steps S244 to S24).
9).

When the parameter is changed and the redesign button on the screen is pressed, insurance calculation based on the new parameter is performed, and the result is displayed in the corresponding window of Pc3 in the mechanism diagram display section image ( Steps S230 to S243).

The details of the processing relating to FIGS. 1, 2 and 20 will be described with reference to FIGS. The present system is an insurance design document creation support device for supporting insurance contract planning, and is particularly characterized by a technology for dynamically constructing a scheme for a designed insurance.

Therefore, the details of the operation when dynamically constructing the mechanism diagram will be described below.

FIGS. 15 to 19 are flow charts showing the operation of this mechanism diagram dynamic construction system. FIG. 3 is a diagram showing a display image of the product menu unit 1, and FIG.
FIG. 5 is a diagram illustrating parameters constituting design information, FIG. 6 is a diagram illustrating a mechanism diagram displayed by a mechanism diagram display unit 6, and FIG. 7 is a parameter setting unit. 7 is a diagram showing a parameter setting screen by FIG. 7, FIG. 8 is a diagram showing a design formula file 10 referred to by the insurance design unit 8, FIG. 9 is a diagram showing a redesign message screen for urging the user to redesign, and FIG. FIG. 11 is a diagram showing a form serving as a basis of a mechanism diagram, FIG. 12 is a diagram showing a mechanism diagram construction definition file 12, and FIG. 13 is a diagram showing a component management unit 13. FIG. 14 is a view showing a message screen without a design document notifying that a design document for the selected product is not created.

According to the present invention, in support of the preparation of an insurance design document, a mechanism diagram, which is a graph showing a transition of a designed reserve of insurance, a transition of a guaranteed insurance deposit, a transition of a halfway termination payment, a transition of a maturity receipt, and the like, It is disassembled into basic parts, prepared as basic parts for various charts, and used to combine necessary parts in accordance with the designed insurance to obtain necessary structural diagrams.

As a result, the type-specific scheme diagram previously prepared for each insurance product and each variation is unnecessary, and the data capacity of the scheme diagram that must be prepared is reduced.
Reduce. In other words, by preparing basic parts for creating a mechanism diagram and selecting and combining the necessary parts according to the insurance type, the capacity of the charts that must be prepared is minimized by using a parts sharing method . This is the mechanism diagram dynamic construction.

In such a mechanism diagram dynamic construction system of the present invention, first, the user first enters the product menu section 1 of the system.
Is activated, whereby the product menu unit 1 displays a screen including the product selection unit 2, the customer selection unit 3, and the execution / cancel button as shown in FIG. 3 (step S201 in FIG. 15).

Here, the user presses any product button on the product selection unit 3 displayed on the display by the product menu unit 1 (step S20 in FIG. 15).
2) After the customer information is selected by selecting the corresponding age and gender from the list on the customer selection unit 3 (step S203 in FIG. 15), when the execution button on the display screen is selected and operated, the processing is designed. Then, the process proceeds to the document creation unit 4.

As initialization processing, the design document creator 4 obtains a product code from the product name corresponding to the selected button (step S204 in FIG. 15). The association between the product name and the product code is embedded in the button in advance or already implemented in the form of a correspondence table.

After the above-described series of product selection processing, the mechanism diagram construction unit 11 constructs a mechanism diagram corresponding to the selected product. First, the mechanism diagram construction unit 11 substitutes the product code of the selected product into a search variable code (FIG. 15).
Step S205), mechanism diagram construction definition file 12
Is opened (step S206 in FIG. 15), the form (FIG. 11) serving as the basis of the mechanism diagram is read into the memory without being displayed (step S207 in FIG. 15).

Next, the file pointer of the mechanism diagram configuration definition file 12 (FIG. 12) is returned to the first line and one line is read (step S208 in FIG. 15).

Then, it is determined whether or not the product code in the read line matches the retrieval variable code (step S209 in FIG. 15). If not, the file pointer is moved to the next line and the file Read the contents of the line indicated by the pointer (step S21 in FIG. 15)
0).

When the content of the read line is NULL (non-existent line) (step S211 in FIG. 15),
A message screen notifying the user that the design document cannot be created is displayed (FIG. 14), and the display returns to the initial product menu screen display state (step S212 in FIG. 15).

On the other hand, the content of the read line is N
If it is not the UL, the "part 1" of the row and the corresponding "placement place 1", the "part 2" and the corresponding "placement place 2",... "Part u" and the corresponding "placement u" To the variables pt_1, loc_1, pt_2, loc_2, ... pt_
Substitute u and loc_c (step S213 in FIG. 2).

Then, the counter variable h is initialized to "1" (step S214 in FIG. 16), and the component management unit 13
Further, “part pt-h” corresponding to the current value of h is extracted (step S215 in FIG. 16), and the base form (FIG. 1)
1) Put "part pt_h" at the location of loc_h above (Fig. 1)
6 Step S216).

Thereafter, the value of h is increased by "1" (step S217 in FIG. 15), and it is evaluated whether the value of h is u> h (step S218 in FIG. 16). As a result, if the value of h does not satisfy u> h, the above-described processing is performed on the “component pt_h” for the updated value of h. This process is repeated until u> h holds for the value of h.

When u> h is satisfied and the repetitive processing is completed, the mechanism diagram configuration definition file 12 is closed (step S219 in FIG. 16), and the mechanism diagram configured on the base form is displayed (FIG. 16). Step S22
0). After that, the age and gender set by the customer selection unit 3 are read (step S221 in FIG. 16), and substituted into the search variable “toshi, sei” (step S222 in FIG. 16).

When the initialization processing of the search variables is completed, the design document creating unit 4 opens the default value file (step 223 in FIG. 16) and sets the file pointer of the default value file (FIG. 4) to the first line. And read one line (Fig. 1
6 step S224).

It is determined whether or not the product code, age, and gender of the read line all match the search variables “code, toshi, sei” (step S225 in FIG. 17).
If they do not match, the file pointer is moved to the next line and that line is read (step S226 in FIG. 17).

When the line is NULL (a line that does not exist) (step S227 in FIG. 17), a message screen (FIG. 9) prompting to reset the data is displayed, and the display returns to the initial product menu display state. (Step S228 in FIG. 17).

If the line is not NULL, it is repeatedly determined whether or not the "product code", "age", and "sex" of the line all match the search variables code, toshi, and sei.

If it is determined in the above-described repetitive processing that the “product code”, “age”, and “sex” of the read line all match the search variables code, toshi, and sei, the parameter item 1 of the line is read. To the parameter item n are all substituted into the design parameter variables P1 to Pn (Step 229 in FIG. 17).

The parameter item is k which can be changed by the user.
Parameters and nk parameters that cannot be changed by the user (FIG. 5).

Code, tosh obtained so far
i, sei and the design parameter variables P1 to Pn are all transferred to the mechanism diagram display unit 6 (FIG. 6) (step 230 in FIG. 17).

The mechanism diagram display section 6 (FIG. 6) displays these transferred data in each display area defined on the mechanism diagram (step S231 in FIG. 17), and the user is given the next event. Wait until.

The mechanism diagram display section 6 (FIG. 6) has a parameter display area 61, a redesign button 62, an end button 63, and a menu button 66 therein. If the end button 63 is pressed by a user operation (step S232 in FIG. 18), an end screen (FIG. 10) is displayed (step S239 in FIG. 18). Here, when the OK button is pressed (step S240 in FIG. 18), the default value file is closed (step S241 in FIG. 18), and the screen for design document creation by the design document creation unit 4 is erased (step S241 in FIG. 18). Step S242 in FIG. 18) The processing of this apparatus ends.

When the cancel button in the screen is pressed on the end screen (FIG. 10), the end screen (FIG. 10) is erased and the state returns to the immediately preceding state.

The parameter display area 61 has k display areas 64 for displaying parameters that can be changed by the user.
And nk displaying parameters that cannot be changed by the user
When any of the k display areas 64 composed of the display areas 65 and displaying parameters that can be changed by the user is pressed (step S233 in FIG. 18), the number that uniquely identifies the display area 64 is changed to a variable. j (see FIG. 1)
8, step S234), parameter setting section 7 (FIG. 7)
Is displayed (step S235 in FIG. 18), and parameter input from the user is accepted.

The parameter setting section 7 displays, according to the attributes of the parameter display area 64, a type for inputting numerical values like a calculator, and a list type for selecting a corresponding item.

As shown in FIG. 7, these are composed of a setting area 71 for inputting or selecting a value and a button area 72 having a confirm / cancel button for determining whether the setting is valid or canceled. When the confirm button in the button area 72 is pressed (step S23 in FIG. 18)
6) The parameters set in the setting area 71 at that time are reflected in the display area 64 corresponding to the variable j,
(Step S237 in FIG. 18).

The parameter setting section 7 is deleted (FIG. 18).
Step S238). When the cancel button is pressed, the parameter is not reflected in the display area 64 and the parameter setting unit 7 is deleted.

When the redesign button 62 is pressed while the design document creating section 4 is displayed (step S24 in FIG. 18).
3) The code, toshi, sei and the design parameter variables P1 to Pn at that time are all transferred to the insurance design unit 8 (step S244 in FIG. 18).

The insurance design unit 8 reads all of the design formulas (FIG. 8) f1 to fn constituting the design formula file 10 (step 245 in FIG. 18), and transfers the transferred code, t.
All the design expressions f1 to fn are calculated with respect to oshi, sei and the design parameter variables P1 to Pn at that time (step 246 in FIG. 18).

The design equations f1, f2,... Fn correspond to the parameters P1, P2,. Then, the design equations f1, f2,... Fn and the parameters P1, P
2, ... Pn to f1-P1, f2-P2, ... fn-Pn
Are respectively substituted for the difference variables d1, d2,... Dn (step S247 in FIG. 18). Then, d1, d
2,... Dn are all transferred to the difference display unit 9 (step S248 in FIG. 18), and are displayed in each difference display area defined on the difference display screen by the function of the difference display unit 9 (FIG. 18). Step S249).

The difference display section 9 changes the color of the numeral by the sign of the difference variables d1, d2,... Dn displayed in each difference display area so that the increase or decrease of each value before and after the redesign can be recognized at a glance. . First, "1" is substituted into the counter variable S for initialization (step S250 in FIG. 19), and it is evaluated whether or not ds <0 with respect to the value of the counter variable S at that time (step S251 in FIG. 19). If so, the numerical value in the difference display area where ds is displayed is changed to red (step S252 in FIG. 19). If not, the color is not changed.

Thereafter, the value of s is increased by "1" (step S253 in FIG. 19), and it is evaluated whether or not s> n (step S254 in FIG. 19). As a result, if s> n is not satisfied, it is evaluated again whether or not dn <0. This process is repeated until s> n is satisfied.

If s> n is satisfied and the repetitive processing is completed, the design equations f1, f2,.
P2,... Pn (step S2 in FIG. 19).
55) First, the same processing as when all of the code, toshi, sei and the design parameter variables P1 to Pn are transferred to the mechanism diagram display unit 6 is performed (step S230 in FIG. 19). Are repeated (steps S231 and S232 in FIG. 19).

When the menu button 66 is pressed down while the design document creation screen by the design document creation section 4 is displayed (step S256 in FIG. 19), the design document creation screen by the design document creation section 4 is erased. (Step S in FIG. 19)
257) Then, a screen composed of the product selection unit 2, the customer selection unit 3 and the execution / cancel button, which is displayed first, is displayed again (step S201 in FIG. 15), and the entire process is repeated.

As described above, the parameter display area 6 is displayed with the design document creation screen displayed by the design document creation section 4.
1. The processing when pressed is different for each of the redesign button 62, the end button 63, and the menu button 66, and the processing is continued until the end button 63 is finally selected and the apparatus ends.

Although the details of the embodiment have been described above, the present invention, in brief, supports the creation of an insurance design document in the form of a change in the reserve fund of the designed insurance, a change in the guaranteed insurance money, a change in the surrender value, and a change in the receivable at maturity. A mechanism diagram that is a chart that charts transitions, etc., is disassembled into basic parts, prepared as basic parts for various charts, and used by combining necessary parts according to the designed insurance Get figure.

That is, the present system comprises: a product selection means for selecting a desired insurance product for which a design document is to be prepared; a customer selection means for selecting customer information including at least insurance age and gender; It has a base form, which is the basic part form common to all insurance products, and a component element (component) that is made by disassembling the structure diagram and making it a structure that manages the structure diagram construction definition information. A mechanism diagram construction means for constructing a mechanism diagram based on the selected insurance product and customer information by selectively assembling the component elements on a base form according to the mechanism diagram construction definition information, and displaying the constructed mechanism diagram It is provided with a mechanism diagram display means for performing the operation.

When the insurance product to be designed and customer information such as insurance age and gender are designated by the product selection means and customer selection means displayed on the screen, the information is transmitted to the mechanism diagram construction section. The structure diagram construction unit determines information for constructing the corresponding structure diagram from the structure diagram construction definition information, and manages the components, which are the components of the structure diagram necessary for constructing the corresponding structure diagram, in the component management. A dynamic mechanism diagram is created by extracting the components from the part and combining the extracted component elements to create a mechanism diagram, and is constructed on a base form. Then, data matching the selected insurance product and customer is defined on the constructed mechanism diagram, and is displayed on the screen.

In short, the present invention provides an insurance plan support system which is a graph chart showing the transition of the designed reserve of insurance, the transition of the guaranteed insurance, the transition of the surrender contract, the transition of the payment received at maturity, and the like. , Disassembled into basic elements, prepared as common parts for various charts, selected necessary parts from these common parts according to the designed insurance, combined and used to complete the necessary structural diagram Get in the form. This eliminates the need for a type-specific scheme diagram conventionally prepared for each insurance type, and reduces the data capacity of the scheme diagram that must be prepared. In other words, by preparing parts for creating a mechanism diagram and selecting and combining necessary parts according to the insurance type, the capacity of the chart that must be prepared can be minimized. Further, there is a design document creating means, which displays the contents of parameters corresponding to insurance products, insurance ages and genders in the constructed mechanism diagram, changes the parameters, and gives a calculation instruction. And the changed calculation result is reflected in the mechanism diagram. Therefore, if the contents of the parameters are changed, the changes are reflected in the structure diagram, so that even an unskilled person can design insurance with desired contents.

Therefore, the insurance design document creation support system according to the present invention displays a mechanism diagram in a state where input items and the like are displayed to the user when an insurance product is selected, thereby displaying the insurance design. It is possible to provide a system that enables even a user who is not familiar with document creation to easily design insurance.

The present invention is not limited to the above-described embodiment, and can be implemented with various modifications without departing from the scope of the invention. The method described in the embodiment is stored in a recording medium such as a magnetic disk (floppy disk, hard disk, or the like), an optical disk (CD-ROM, DVD, or the like), or a semiconductor memory, and distributed as a program that can be executed by a computer. You can also.

[0097]

As described above, according to the scheme for dynamically constructing the scheme according to the present embodiment, a user who is not familiar with the insurance design document can intuitively design insurance. In addition, an unnecessary mechanism diagram screen is not internally held for the selected product, the size of the program is reduced, and the startup time of the program is improved.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining the present invention, and is a block diagram showing a configuration of an insurance design document creation support device as one embodiment adopting a mechanism diagram dynamic construction method according to the present invention.

FIG. 2 is a diagram for explaining the method of the present invention.

FIG. 3 is a diagram for explaining the present invention, showing a display image of a product menu unit 1 in the system of the present invention.

FIG. 4 is a diagram for explaining the present invention, showing a default value file 5 referred to by a design document creating unit 4 in the system of the present invention.

FIG. 5 is a diagram for explaining the present invention, and is a diagram for explaining parameters constituting design information in the system of the present invention.

FIG. 6 is a diagram for explaining the present invention, showing a mechanism diagram displayed by a mechanism diagram display unit 6 in the system of the present invention.

FIG. 7 is a view for explaining the present invention, showing a parameter setting screen in a parameter setting section 7 in the system of the present invention.

FIG. 8 is a diagram for explaining the present invention, showing a design formula file 10 referred to by the insurance designing unit 8 in the system of the present invention.

FIG. 9 is a diagram for explaining the present invention, showing a redesign message screen in the system of the present invention for prompting a user to redesign.

FIG. 10 is a diagram for explaining the present invention, and is a diagram showing an end screen for end notification in the system of the present invention.

FIG. 11 is a diagram for explaining the present invention, showing a form serving as a basis of a mechanism diagram in the system of the present invention.

FIG. 12 is a diagram for explaining the present invention, and is a diagram for explaining a mechanism diagram construction definition file 12 in the system of the present invention.

FIG. 13 is a diagram for explaining the present invention, and is a diagram for explaining the component managing unit 13 in the system of the present invention.

FIG. 14 is a diagram for explaining the present invention, and is a diagram showing a message screen without a design document notifying that a design document for a selected product is not created.

FIG. 15 is a flowchart for explaining the operation of the system of the present invention.

FIG. 16 is a flowchart for explaining the operation of the system of the present invention.

FIG. 17 is a flowchart for explaining the operation of the system of the present invention.

FIG. 18 is a flowchart for explaining the operation of the system of the present invention.

FIG. 19 is a flowchart for explaining the operation of the system of the present invention.

FIG. 20 is a view for explaining a conventional system and a system of the present invention in comparison.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Product menu part, 2 ... Product selection part, 3 ... Customer selection part, 4 ... Design document preparation part, 5 ... Default value file, 6 ... Mechanism diagram display part, 7 ... Parameter setting part, 8 ... Insurance design part,
9: difference display unit, 10: design formula file, 11: mechanism diagram construction unit, 12: mechanism diagram construction definition file, 13: component element management unit.

Claims (6)

[Claims] Claims: 1. An insurance product is selected, and an insurance age and a gender are designated to create a design document including a mechanism diagram in which the amount information guaranteed by the insurance product contracted for insurance content is charted. As equipment, product selection means for selecting the desired insurance product whose design document is to be created, customer selection means for selecting customer information including at least insurance age and gender, Manages the selected component elements (components) and mechanism diagram construction definition information, and constructs a mechanism diagram based on the selected insurance products and customer information by selecting and assembling the component elements according to the mechanism diagram construction definition information. Means for constructing a mechanism diagram, and means for defining data corresponding to the selected insurance product and customer information on the constructed mechanism diagram and displaying the data on a screen. Insurance design document creation support apparatus, characterized in that. 2. An insurance product is selected, and an insurance age and a gender are designated to create a design document including a mechanism diagram in which amount information guaranteed by an insurance product contracted for insurance content is charted. As a device, a product selecting means for selecting a desired insurance product for which a design document is to be created, a customer selecting means for selecting customer information including at least insurance age and gender, and all insurance products constituting a mechanism diagram The base form, which is a common basic part form, and the component elements (components), which are disassembled into components as a component diagram, and the component diagram construction definition information are managed, and the component diagram based on the selected insurance product and the customer information, A mechanism diagram construction means to be constructed by selectively assembling the component elements on a base form in accordance with the mechanism diagram construction definition information; Serial selected insurance products and insurance design document creation support apparatus characterized by comprising means for displaying data by defining a screen, a matching customer information. 3. The contents of parameters corresponding to insurance products, insurance ages and genders are displayed on the constructed mechanism diagram.
3. The insurance design document creation according to claim 1, further comprising insurance plan drawing means for reflecting a changed calculation result in a system diagram when a parameter is changed and a calculation instruction is given. Support equipment. 4. An insurance product is selected, and an insurance age and a gender are designated to create a design document including a mechanism diagram in which amount information guaranteed by an insurance product contracted for insurance content is charted. As a method, a product selection step for selecting a desired insurance product for which a design document is to be created, a customer selection step for selecting customer information including at least insurance age and gender, Manages the selected component elements (components) and mechanism diagram construction definition information, and constructs a mechanism diagram based on the selected insurance products and customer information by selecting and assembling the component elements according to the mechanism diagram construction definition information. A step of constructing a mechanism diagram, and a step of defining data corresponding to the selected insurance product and customer information on the constructed mechanism diagram and displaying the data on a screen. An insurance design document creation support method, comprising: 5. An insurance product is selected, and an insurance age and a gender are designated to create a design document including a mechanism diagram in which amount information guaranteed by an insurance product contracted for insurance content is charted. As a method, a product selection step for selecting a desired insurance product for which a design document is to be created, a customer selection step for selecting customer information including at least insurance age and gender, and all insurance products constituting a structural diagram The base form, which is a common basic part form, and the component elements (components), which are disassembled into components as a component diagram, and the component diagram construction definition information are managed, and the component diagram based on the selected insurance product and the customer information, A mechanism diagram construction step for constructing by selecting and assembling the component elements on a base form according to the mechanism diagram construction definition information; A step of defining data corresponding to the selected insurance product and customer information on a diagram and displaying the data on a screen. 6. A step of displaying the contents of parameters corresponding to insurance products, insurance ages and genders in the constructed mechanism diagram, and, when the parameters are changed and a calculation instruction is given, the changed calculation result is displayed in the structure diagram. 6. The insurance design document creation support method according to claim 4, further comprising the step of: