JP2002032566A - Risk analysis system and method, insurance design system and method, insurance clause preparing method, risk analysis program operating on computer, and recording medium recorded with insurance design program or insurance clause preparing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance design technique which needs no adjustment of duplicate security contents and also needs no checking of validity about combination of insurance products when plural insurance products are combined together. SOLUTION: The accident example information that may possibly occur to a customer is selected from the information on the customer among those accident example information stored in a storage means with fractionated security sections included. The fractionated security sections are extracted from the selected accident example information and then combined together for setting the compensation contents. Meanwhile, the clause words corresponding to the extracted fractionated security sections are extracted from those agreement words which are stored in the storage means in the states corresponding to the fractionated security sections. Then an insurance clauses are prepared on the basis of the extracted clause words.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to insurance design technology. In particular, the present invention relates to an insurance design system for setting compensation contents according to risks extracted from customers.

[0002]

2. Description of the Related Art There are many types of insurance, such as fire insurance, automobile insurance, accident insurance, and liability insurance, and a plurality of insurances are often sold to one customer. Further, the contents of insurance are generally set according to customers for each type of insurance when the insurance is sold.

Conventionally, the setting of compensation contents has been performed in the following steps. That is, (step 1) information (for example, company size, financial information,
Client risk based on existing insurance information). (Step 2) Select an existing insurance product so as to compensate for the extracted risk. (Step 3) Usually, a plurality of insurance products are selected in Step 2, so that disclaimers and the like are set so that the contents of the security for the selected insurance products do not overlap. (Step 4) Check the validity of the set compensation contents.

Here, it is necessary to check the validity of the compensation contents in step 4 because, when a plurality of insurance products are combined, there may be many combinations realizing the same security contents. This is because it is necessary to reconsider whether the combination provides effective compensation without waste for the customer.

[0005] After the insurance product is selected in this way, an insurance contract is concluded, and an insurance policy and insurance policy are prepared for each insurance product and delivered to the customer.

Conventionally, in each of the above steps, processes such as extraction of customer risks, selection of insurance products, setting of disclaimers, and checking of validity are all often performed based on the unique experience of a sales employee. Was.

On the other hand, as an apparatus in which the above steps 1 and 2 are implemented, there is, for example, one described in Japanese Patent Application Laid-Open No. Hei 9-114801. This gazette describes a device that identifies risks based on company information, determines the frequency and impact of such risks, and evaluates the risk compensation status covered by existing insurance information based on these. Have been.

[0008]

When a sales employee performs the processing of each of the above-mentioned steps, a high judgment is made in each processing.
Since knowledge is required, there is a problem that the sales staff is very burdened.

For example, in order to extract a customer's risk, a sales employee must analyze the information possessed by the customer, suppose a risk, and determine how much such risk is likely to occur to the customer. . In addition, in order to select insurance products, set disclaimers, check validity, etc., always grasp the contents of all insurance products (eg, risks to be secured, disclaimers, premium calculation rules, etc.). Is required.

[0010] Further, since the level of judgment and knowledge in each process greatly depends on the sales staff's own experience, etc., the quality of the designed insurance product differs among the sales workers, that is, the quality is not uniform. There is also a problem that it becomes inconvenient.

Here, the technology described in Japanese Patent Application Laid-Open No. Hei 9-114801 aims to reduce the burden on sales staff and secure the quality and validity of insurance products by implementing the above-mentioned steps 1-2. I'm trying.

However, the above publication does not specifically disclose how to extract customer risk. In the above publication, in paragraph 32, referring to the risk identification knowledge base 13 composed of rules for judging expected risks using the characteristics of a company as a judgment condition, inferring the potential risk of the company by a pattern matching method. It is not clear what rules are used specifically, and what kind of pattern matching technique is used to identify risks.

Further, the insurance products used in the technology described in the above publication are not different from conventional insurance products at all, so the problems relating to the steps 3 and 4 have not been solved yet. That is, it is necessary for the sales employee to make adjustments so that the content of the security is not duplicated for a plurality of insurance products. Also, it is necessary to check whether the set compensation content is appropriate by comparing it with another combination of insurance products that realize the same security content. For this reason, there remains a problem that the burden on the sales staff is still large and the uniformity varies depending on individual experiences.

On the other hand, in the past, insurance contracts were often handed to customers as standard documents in the form of a collection of insurance contracts. Usually, such insurance policy clauses contain many clauses that are not related to the contents of the insurance contract with which they have contracted. For this reason, in order for the customer to check and grasp the details of his or her compensation, it is necessary to find out which part is related to his or her insurance product, which is a heavy burden.

Accordingly, an object of the present invention is to provide a specific risk analysis technique for automatically extracting a risk of a customer.

Another object of the present invention is to provide an insurance design technique that eliminates the need to adjust the content of overlapping security when combining a plurality of insurance products, and further eliminates the need to check the validity of the combination. And

Another object of the present invention is to provide an insurance design technique capable of performing insurance design with uniform quality of compensation contents without depending on experience and knowledge of an insurance design person. .

It is a further object of the present invention to provide an insurance design technique capable of creating insurance contracts customized for each customer according to the designed compensation contents.

[0019]

According to the risk analysis method of the present invention, a risk is generated for a customer based on information about the customer from accident example information stored in a storage means including at least a subdivided security category. It is characterized in that possible accident example information is selected, a subdivided security section is extracted from the selected accident example information, and the extracted subdivided security section is used as risk information possessed by a customer.

The insurance design method of the present invention is characterized in that the contents of compensation are set by combining subdivided security categories.

According to the insurance policy making method of the present invention, a policy word corresponding to a security category included in an insurance product contracted by a customer is extracted from the policy text stored in the storage means in a state corresponding to the security category. Then, an insurance contract is created based on the extracted contract wording.

In addition, the insurance design method of the present invention provides an accident example that can occur to a customer based on information about the customer from accident example information stored in the storage means including at least the subdivided security classification. The information is selected, the subdivided security section is extracted from the selected accident example information, the compensation content is set by combining the extracted subdivided security section, and the storage means is stored in the storage means in a state corresponding to the subdivided security section. It is characterized in that, from the stored terms and conditions, the terms and conditions corresponding to the extracted subdivided security category are extracted, and the insurance terms and conditions are created based on the extracted terms and conditions.

The risk analysis method, the insurance design method, and the insurance contract creation method of the present invention can be implemented by a computer.
It can be installed or loaded into a computer through various media such as a D-ROM, a magnetic disk, a semiconductor memory, and a communication network.

[0024] The risk analysis system of the present invention corresponds to an accident example information storage means for storing information of an accident example and an accident example which may occur to a customer based on information about the customer from the accident example information storage means. Customer risk extracting means for selecting an accident example information group and extracting and outputting risk information of the customer based on the selected accident example information group.

It is preferable that the accident example information stored in the accident example information storage means includes at least one of industry information, regional information, and customer scale information.

In addition, the accident example information stored in the accident example information storage means includes at least a subdivided security category, and the customer risk extraction means performs the processing based on the selected accident example information group. It is preferable to extract at least the subdivided security section.

The accident example information storage means stores at least one of accident occurrence frequency information, accident unit price information, and expected damage information as statistical information, and the customer risk extracting means stores the statistical information. Preferably, a risk evaluation value is calculated for each of the extracted subdivided security categories based on the information, and the risk information of the customer is output including the risk evaluation value.

The accident example information storage means stores a standard risk evaluation value for each subdivided security category for an item obtained by combining one or more of industry information, regional information, and customer size information. , The customer risk extraction means,
It is preferable that the risk information of the customer is output including a comparison result between the risk evaluation value and the standard risk evaluation value.

The risk analysis system of the present invention preferably further comprises insurance product storage means for storing the subdivided security categories secured by the insurance product, and the customer risk extraction means comprises the insurance product storage means. By referring to the means, it is determined whether or not the extracted subdivided security category is secured by a predetermined insurance product, and the risk information of the customer is output including the determination result. .

[0030] The insurance design system of the present invention is characterized by comprising compensation content setting means for setting compensation content by combining the subdivided security categories.

It is preferable that the compensation content setting means sets the compensation content by giving and combining a cover coefficient for each subdivided security section.

It is preferable that the compensation content setting means obtains a price of a security object for each subdivided security category, and calculates an insurance payment limit based on the price of the security object and the cover coefficient.

Preferably, the insurance design system of the present invention further comprises insurance rate storage means for storing an insurance rate corresponding to each subdivided security section, and the compensation content setting means includes an insurance rate storage means. It is characterized in that the insurance premium rate corresponding to the subdivided security classification is read out by referring to it, and the insurance premium is calculated based on the read out insurance premium rate.

It is preferable that the insurance design system of the present invention further comprises compensation content correcting means, and the compensation content modifying means changes the set compensation content in accordance with an external input. And It is preferable that the external input includes at least one of instruction information from a customer and past accident performance information of the customer.

It is preferable that the insurance design system of the present invention further comprises a clause wording storage means and a customer-adaptive clause creation means, and the clause wording storage means stores a clause wording corresponding to each subdivided security category. Then, the customer responsive type clause creation means selects the clause text corresponding to the combined subdivided security category by referring to the clause text storage means, and creates a clause.

Further, the insurance design system of the present invention preferably includes the risk analysis system, and the compensation content setting means in the insurance design system outputs the risk information of the customer output by the risk analysis system. Receiving and operating based on the subdivided security classification included in the risk information of the customer.

In this case, it is preferable that the cover coefficient used when the compensation content is set by the compensation content setting means is calculated based on a risk evaluation value or a comparison result between the risk evaluation value and a standard risk evaluation value.

In the specification of the present application, the term "customer" is used to refer to a corporation, an individual, and the like that is subject to risk analysis and insurance contracts, and does not necessarily require a business relationship. .

[0039]

According to the present invention having the above-described structure, the risk of the customer is automatically determined based on the information on the customer, for example, the location, the type of business, the sales amount, and the like, based on an example of an accident that may occur to the customer. Since extraction is performed, a uniform extraction result that does not depend on experience although performing risk analysis can be obtained.

Further, since the security section is subdivided so that the security contents do not overlap with each other and the compensation contents are set by combining the subdivided security sections, it is not necessary to adjust the overlapping security contents. In addition, since the combination of the subdivided security classifications that realizes the same security content is uniquely determined, it is not necessary to check the validity of the combination.

In addition, since the terms and conditions of the terms and conditions corresponding to each security category are stored in a database, and the insurance terms and conditions are prepared using only the terms and conditions of the terms and conditions of the security included in the contents of the compensation, the customer is required to comply with the designed contents of compensation. A customized insurance policy can be created for each case.

[0042]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS (First Embodiment) An embodiment of the present invention will be described below with reference to the drawings. FIG.
It is a block diagram showing composition of a risk analysis system which is a 1st embodiment of the present invention. As shown in FIG.
The risk analysis system 1 includes an accident example information storage unit 10,
It is configured to include customer risk extraction means 11.

Here, the risk analysis system according to the present invention only needs to have each of the above means, and may be physically a system dedicated for risk analysis or a general-purpose information processing device. For example, in an information processing apparatus having a general configuration including a processing device, an input unit, a storage unit, and an output unit, the risk analysis system of the present invention is realized by activating software that defines the operation of each unit. be able to. The dedicated system or information processing device may be configured by a single computer or may be configured by a plurality of computers distributed on a network.

The accident example information storage means 10 stores a plurality of pieces of information on past accident examples that have been compensated. Information on such accident cases includes attributes such as the business type of the accident target, the regional information of the accident target, the customer size, the actual loss amount, the insurance payment amount, the accident classification, the accident type, the cause of the accident, and the accident content of the accident target. It is configured to include information, and is managed in a conventional database such as a relational database in a table format as shown in FIG. 2, for example.

As the type of business, for example, the type of business described in the Japan Standard Industrial Classification can be used, but how the type of business is defined may be determined according to the design.

As the regional information, a location of a local government unit such as a prefectural unit or a municipal unit may be used, or geographic information such as an elevation above sea level, a distance from a river, or an annual rainfall may be used.

As the customer scale, if it is a corporation, the total assets,
Information such as sales, the number of employees, and, for individuals, annual income and family structure can be used.

The accident category corresponds to the type of insurance purpose.
For example, the information includes an accident relating to property, an accident relating to an employee (family), an accident relating to liability, and an incident relating to profit (income).

The types of accidents include, for example, fire, water disaster, theft,
Information such as interpersonal compensation, objective compensation, and lost time damage.

The causes of the accident are: electric leakage, gas leakage, arson, etc. if the type of accident is fire; flood, storm surge,
In the case of interpersonal compensation, such as a landslide, information on facility management mistakes, business execution mistakes, product defects after delivery, etc. will be provided.

Here, the accident example information storage means 10 may store the accident example information in a state of being classified by any one of the attribute information of the type of business, the regional information such as the location, and the customer scale. By classifying in this way, it is easy to search for information on accident examples based on search keys such as industry information, regional information such as location, and customer scale.

The customer risk extracting means 11 receives information on the customer as an input, searches the accident example information storage means 10 using the attribute value included in the information on the customer as a search key, and obtains information on the accident example matching the search key. Is read.

The information on the customer includes, for example, when the customer is a corporation, the name of the corporation, the location, the type of business, the contents of business, the performance,
Includes attribute values such as sales, number of employees, financial details, and details of owned facilities (location, structure, area, usage, acquisition price, acquisition date, etc.). In the case where the customer is an individual, for example, attribute values such as name, address, occupation, age, family structure, income, details of owned car (number of vehicles, type of vehicle, presence / absence of safety equipment) and the like are included.

Among such attribute values, it is conceivable to use a search key in combination with, for example, the type of business, location, company size (in the case of an individual, occupation, address, income, etc.). Whether to use as a search key may be determined according to the customer.

Information on these customers may be input by a user or may be obtained from an external database (not shown). When the user makes an input, the customer risk extracting means 11 includes an input means (not shown) for receiving the user's input. The input means is configured, for example, to display an input screen on a display device and allow a user to input necessary information in an interactive manner.

The customer risk extracting means 11 extracts and outputs attribute information such as accident classification, accident form, and accident cause included in the information on the matched accident examples as risk information possessed by the customer. Since the information of the accident example matched with the attribute value of the customer as the search key can be regarded as the information of the accident example that may occur to the customer, the attribute information such as the accident classification included in the information of the accident example is used. It can be regarded as the risk information of the customer.

Here, by including the subdivided security section in the information of the accident example stored in the accident example information storage means 10, the customer risk extraction means 11 has the subdivided security section of the customer. It can be extracted as risk information.

The subdivided security category refers to a category in an equivalent and flat structure that is subdivided so as not to overlap with each other in the security content of the insurance product, and includes at least a combination of an accident category, an accident form, and an accident cause. Specified. For example, a subdivided security category such as subdivided security category 1 = (property, fire, earth leakage) and subdivided security category 2 = (compensation, personal compensation, facility management error) can be considered.

The accident example information storage means 10 may store statistical information such as accident occurrence frequency information, accident unit price information, and expected damage amount information. Each piece of statistical information is stored in, for example, a table format as shown in FIG. 3 for each subdivided security section. Each statistical information is updated at a predetermined timing (for example, once a year) by a data management system (not shown).

For example, in the case of accident frequency information, for the accident example information stored in the accident example information storage means 10, the number of accident cases for each combination of business type, regional information, customer scale, and subdivided security classification is obtained. It can be updated by dividing by the total number of contracts corresponding to the combination stored in the data management system. In addition,
In this example, the ratio of the number of accident cases to the total number of contracts is used as accident occurrence frequency information, but other values can be used as accident occurrence frequency information. For example, the number of accident cases per unit sales may be obtained by dividing the number of accident cases by the sales amount of the customer corresponding to the combination, and this may be used as accident occurrence frequency information. Further, for example, by dividing the number of accident cases by the area of the customer-owned facility corresponding to the combination, the number of accident cases per unit area can be obtained and used as accident occurrence frequency information.

In the case of accident unit price information, the actual damage amount in the accident example information stored in the accident example information storage means 10 is calculated based on the average of each combination of the type of business, the area information, the customer scale, and the subdivided security classification. Can be updated.

In the case of expected damage amount information, the information can be updated by multiplying the updated accident occurrence frequency by the updated accident unit price.

When the statistical information is stored, the customer risk extracting means 11 calculates a risk evaluation value for each of the extracted subdivided security categories based on the statistical information corresponding to the attribute of the customer, and It is included in the risk information and output.

The risk evaluation value indicates a measure of which risk should be increased (or reduced) when setting compensation contents. As the risk evaluation value, for example, a value obtained by multiplying the accident occurrence frequency by the accident unit price (expected damage amount), a value obtained by multiplying the expected damage amount by a predetermined constant, or the like can be used.

As the predetermined constant, information such as the structure of the owned facility, the presence / absence of disaster prevention facilities, and the implementation status of safety measures among the information on the customer may be converted into a constant according to a certain rule.

In the accident example information storage means 10, a standard risk evaluation value in the same industry (hereinafter, referred to as a "standard risk evaluation value") and a standard risk evaluation in the same region are provided for each subdivided security category. A value, a standard risk evaluation value for the same customer scale, or the like may be stored. Furthermore, a standard risk evaluation value may be stored for any combination of the same industry, the same region, and the same customer scale.

In this case, the customer risk extracting means 11
Reads out the standard risk evaluation value that matches the attribute value of the customer for each of the extracted subdivided security categories. Then, for each of the extracted subdivided security categories, the calculated risk evaluation value is compared with the calculated risk evaluation value, and the comparison result is included in risk information held by the customer and output. As the comparison result, for example, it is conceivable to use the difference between the two. Such a difference can be regarded as a value indicating a risk tendency specific to the customer.

In the first embodiment, the subdivided security classification, the risk evaluation value, and the standard risk evaluation value may be presented to a customer or the like by text, graph, voice, or the like by an output unit (not shown). good.

According to the present embodiment, the risk of a customer is automatically extracted based on an example of an accident that may occur to the customer, which is retrieved from information on the customer, for example, business type, regional information, customer size, and the like. Therefore, it is possible to obtain a uniform extraction result that does not depend on the experience although the risk analysis is performed. Second Embodiment Next, a risk analysis system according to a second embodiment of the present invention will be described with reference to FIG.
As shown in FIG. 4, the present risk analysis system 2 further includes an insurance product storage means 20 in addition to the configuration of the risk analysis system 1 of the first embodiment.

The configuration and operation of the accident example information storage means 10 are the same as those of the risk analysis system 2 according to the first embodiment, and the description is omitted.

The insurance product storage means 20 stores the correspondence between the insurance product and the subdivided security category, that is, the type of subdivided security category that the insurance product secures. Here, the insurance product is insurance designed according to the present invention or the prior art.

The customer risk extracting means 11 retrieves information on the accident example in the same manner as in the first embodiment, and extracts the subdivided security classification included in the information on the accident example. Then, by referring to the insurance product storage means 20, it is determined whether or not the predetermined insurance product has secured the extracted subdivided security category, and the result of the determination is included in risk information owned by the customer and output. . Further, the result of the determination is presented to a customer or the like by a text, graph, sound, or the like by an output unit (not shown).

Here, by making the insurance which the customer has already contracted into the predetermined insurance product, whether the insurance contents of the insurance which the customer is currently contracting has secured the extracted subdivided security category It is possible to determine whether or not the customer has a sufficient risk.

According to the present embodiment, the status of risk hedging based on the compensation contents currently contracted by the customer can be presented to the customer in units of the subdivided collateral classification, so that which compensation is sufficient and which It is possible to accurately indicate whether compensation is insufficient. (Third Embodiment) Next, an insurance design system according to a third embodiment of the present invention will be described with reference to FIG. As shown in FIG. 5, the insurance design system 3 includes compensation content setting means 30.

Here, the insurance design system according to the present invention only needs to have each of the above means, and may be physically a system dedicated for insurance design or a general-purpose information processing device. For example, in an information processing apparatus having a general configuration including a processing device, an input unit, a storage unit, and an output unit, the insurance design system of the present invention is realized by activating software that defines the operation of each unit. be able to. The dedicated system or information processing device may be configured by a single computer or may be configured by a plurality of computers distributed on a network.

The compensation content setting means 30 sets the compensation content based on the risk information of the customer by combining the subdivided security categories so as to secure all the risks of the customer, and sets the compensation content thus set to the insurance setting. Output as information.

Here, the contents of compensation may be set by assigning a cover coefficient to the subdivided security sections and combining them, and the set contents of compensation may be output as insurance setting information.

The cover coefficient is a value indicating a measure of how much compensation should be made for each subdivided security section. Such a cover coefficient may be calculated based on the risk information of the customer, or a predetermined value may be used.

The compensation content setting means 30 further obtains a price to be secured for each of the combined subdivided security categories,
The details of the compensation may be set in detail by calculating the insurance payment limit based on the price of the security object and the cover coefficient.

The price of the collateral can be obtained by calculating based on, for example, information on the customer, for example, information such as sales and details of the owned facility. Alternatively, it may be configured such that the user directly inputs the information, or the information may be obtained from an external database (not shown) based on information about the customer.

The insurance money limit can be calculated, for example, by multiplying the price of the security target by the cover coefficient.

In this case, the cover coefficient is given as a value from 0 to 1. For example, a subdivided security category with a cover factor of 0 has an insurance payment limit of 0 yen, ie, is set as unsecured, and a subdivided security category with a cover factor of 0.8 has an insurance payment limit of 0.8 8 of the collateral price
In the subdivided collateral classification where the amount is set as 0% and the cover coefficient is 1, the price of the collateral is set as the insurance payment limit as it is. Here, the self-pay amount (disclaimer amount) may be set based on the cover coefficient. For example, when the cover coefficient is 0.8, a value 0.2 obtained by subtracting the cover coefficient from 1 is calculated as a ratio of the co-payment amount, and a value obtained by multiplying the ratio by the security target price is set as the co-payment amount. If the co-payment is set, insurance will only be paid if the actual damage exceeds the co-payment.

The insurance setting information output by the compensation content setting means 30 includes, for example, ｛(divided collateral classification 1, insurance payment limit, cover coefficient), (dividualized security classification 2, insurance payment limit, cover factor) ), ...｝.

According to the present embodiment, since the security content does not overlap with the set security content, there is no need to adjust the security content after the conventional security content setting. Further, since only one combination of the subdivided security categories that guarantees all the risks of the customer is determined, it is not necessary to check the validity of the combination. (Fourth Embodiment) Next, an insurance design system according to a fourth embodiment of the present invention will be described with reference to FIG. As shown in FIG. 6, the insurance design system 4 further includes an insurance rate storage means 40 in addition to the configuration of the insurance design system 3 of the third embodiment.

The insurance rate storage means 40 stores an insurance rate corresponding to each subdivided security section. What is the insurance premium rate?
This corresponds to a coefficient used when calculating the insurance premium (the amount paid by the customer), and in principle, the insurance premium is calculated by multiplying the insurance premium rate by the insurance payment limit. However, depending on the type of collateral, the insurance premium may be calculated by multiplying the insurance premium rate by a predetermined value determined by the insurance payment limit, and further multiplying by the number of employees or sales.

The compensation content setting means 30 sets the compensation content based on the risk information of the customer by combining the subdivided security categories so as to secure all the risks of the customer.

Further, by obtaining the price of the collateral for each of the selected subdivided security categories and multiplying the price of the collateral by the cover coefficient to calculate the insurance payment limit, the details of the compensation can be described in detail. Set.

Further, by referring to the insurance rate storage means 40, the insurance rate corresponding to the subdivided security category used for the combination is read out. Then, for example, by multiplying the insurance payment limit and the insurance premium rate, the insurance premium for each subdivided security category used for the combination is calculated, and the insurance setting information is output in a state including the insurance premium.

The insurance setting information output by the compensation content setting means 30 includes, for example, ｛(divided collateral classification 1, insurance payment limit, insurance premium, cover coefficient), (divided collateral classification 2, insurance payment limit) Amount, insurance premium, cover factor), ...
・ It becomes information like ②. (Fifth Embodiment) Next, an insurance design system according to a fifth embodiment of the present invention will be described with reference to FIG. As shown in FIG. 7, the insurance design system 5 further includes a compensation content correction unit 50 in addition to the configuration of the insurance design system 4 of the fourth embodiment.

The operation of the first example of the fifth embodiment will be described below.

The configuration and operation of the compensation content setting means 30 and the insurance rate storage means 40 are the same as those of the insurance design system 4 of the fourth embodiment, and therefore, the description is omitted.

The compensation content correcting means 50 receives the insurance setting information and an external input, and corrects and outputs the contents of the insurance setting information based on the external input. As the input from the outside, for example, past accident result information of the customer, instruction information from the customer, and the like can be considered.

When the past accident performance information of the customer is input from outside, the compensation content correcting means 50 performs the subdivision security classification corresponding to the accident that has occurred in the past at a frequency equal to or higher than a predetermined threshold value, or A subdivided security category corresponding to an accident for which an insurance money above a predetermined threshold has been paid is detected. Then, the insurance setting information is modified by changing the insurance payment limit so that the cover coefficient becomes 1 for the subdivided security category, and the modified insurance setting information is output. Conversely, for such subdivided collateral classification,
Assuming that insurance cannot be underwritten, it is conceivable to set the cover coefficient to 0.

Further, when the instruction information from the customer is input from outside, the compensation content correcting means 50 corrects the insurance setting information (addition of the subdivided collateral classification, based on the instruction information).
Delete, change the insurance payment limit, etc.) and output the modified insurance setting information.

As the instruction information, it is conceivable that the contents of compensation are modified so that the total premium falls within a certain budget. In this case, various patterns are conceivable for the way of correction. For example, there is a method of correcting so that the insurance payment limit is reduced to the same rate for all the subdivided security categories. In addition, the priority to be compensated for the subdivided security category may be determined, and the insurance payment limit may be reduced according to the priority.

According to the present embodiment, the contents of compensation can be corrected according to the customer's situation such as a past accident history or the customer's instruction, so that insurance design more suitable for the customer can be performed.

Next, the operation of the second example of the fifth embodiment will be described.

The compensation content setting means 30 sets the compensation content based on the risk information of the customer by combining the subdivided security categories so as to secure all the risks of the customer.

Further, by obtaining the price of the security object for each of the selected subdivided security categories and calculating the insurance payment limit by multiplying the security object price by the cover coefficient, the contents of the compensation can be described in detail. Set.

Here, for example, assuming that all the cover coefficients are 1, the insurance payment limit for all the subdivided security categories =
This is the price of the collateral. The case where the cover coefficient is determined in this way is called an all-risk full-cover type.

For example, if all the cover coefficients are set to 0.8
In this case, the insurance payment limit is 80% of the price of the collateral for all subdivided collateral categories. Such a case where the cover coefficient is uniformly reduced is referred to as an all-risk / limited-cover type. Note that the value of the cover coefficient can be variously changed.

Further, for example, the cover coefficient is set to 1 for the subdivided security section to be compensated for with priority, and the cover coefficient is set to 0.5 for the remaining subdivided security section. Only the insurance premium limit = the price of the collateral, and the insurance premium limit can be set to 50% for other subdivided security categories. The case where the cover coefficient is changed according to the subdivided security classification in this manner is referred to as a high risk emphasis cover type. The value of each cover coefficient can be variously changed.

FIG. 8 is a schematic view showing the concept of each cover type described above. 8A shows an all-risk full-cover type, FIG. 8B shows an all-risk / limited-cover type, and FIG. 8C shows a high-risk emphasis cover type. In each case, the radially extending axis represents the subdivision security division, and the value indicated for each axis represents the value of the cover coefficient.

As described above, various compensation contents can be set in detail for the same combination of subdivided security sections by changing each cover coefficient in various ways.

The compensation content setting means 30 simultaneously sets a plurality of compensation contents such as an all-risk / full-cover type, an all-risk / limited-cover type, and a high-risk priority-cover type by changing the value of each cover coefficient. The set plurality of compensation contents are output as insurance setting information.

The insurance setting information output from the compensation content setting means 30 includes, for example, $ (cover type 1, (subdivided security category 1, insurance payment limit, insurance premium, cover coefficient), (subdivided security category 2) , Insurance premium limit, insurance premium, cover factor), ...), (cover type 2, (subdivided collateral category 1,
(Cost of insurance payment, insurance premium, cover factor), (Fragmentation security category 2, insurance premium, insurance premium, cover factor),
..),...

The compensation content correcting means 50 receives the insurance setting information output from the compensation content setting means 30, and presents the insurance setting information to the outside by text display, graph display, voice output, or the like. Then, it receives designation information for designating one of the plurality of compensation contents as an external input, determines final compensation contents based on the designation information, and outputs it as insurance setting information.

The insurance setting information output from the compensation content correcting means 50 includes, for example, (1) cover type 1, (divided security classification 1, insurance payment limit, insurance premium, cover coefficient), (divided security classification 2, Information such as insurance premium limit, insurance premium, and cover factor),...

According to the present embodiment, since a plurality of compensation contents can be presented to the customer or the like for selection, insurance design according to the customer's request can be performed more flexibly. (Sixth Embodiment) Next, an insurance design system according to a sixth embodiment of the present invention will be described with reference to FIG. As shown in FIG. 9, the insurance design system 6 further includes a contract word storage unit 60 and a customer-adaptive contract provision unit 61 in addition to the configuration of the insurance design system 4 of the fourth embodiment.

The configurations and operations of the compensation content setting means 30 and the insurance rate storage means 40 are the same as those of the insurance design system 4 of the fourth embodiment, and therefore the description is omitted.

The clause wording storage means 60 stores a template of the clause wording corresponding to each subdivided security section.

[0112] The template of the clause text stored in the clause text storage means 60 is a combination of a plurality of related subdivided security categories or a plurality of subdivided security categories in advance with respect to a risk that a customer is likely to have. It may be.

In this case, for example, a combination of the terms and conditions of {subdivided security category 1, subdivided security category 2, and subdivided security category 3} is combined with the general insurance policy, {subdivided security category 4, subdivided security category, A combination of the terms and conditions of the security category 5 # can be stored in the terms and conditions wording storage means 60 as a special provision.

The customer-adaptive terms and conditions creating means 61 receives the insurance setting information output from the compensation contents setting means 30 and the information on the customer as input, and refers to the terms and conditions storage means 60 to include the insurance setting information. Read out the template of the clause text corresponding to the subdivided security category to be used. Then, based on the information about the customer, the fields such as the customer name and the like in the template of the clause text are modified, and the modified clause text is included in the insurance setting information and output.

The insurance setting information output from the customer-adaptive terms and conditions creating means 61 includes, for example, ｛(divided collateral category 1, insurance payment limit, insurance premium, cover coefficient, terms and conditions language), (divided collateral category 2) , Insurance premiums, insurance premiums, cover factors, terms and conditions),...

Here, the customer-adaptive terms and conditions creating means 61
By providing a printing unit (not shown), it is possible to compose and print insurance contracts based on the above-mentioned terms and conditions. The printed insurance agreement consists only of the terms and conditions text corresponding to the subdivided security category included in the compensation contents (excluding the common part of the insurance agreement),
The insurance contract is customized according to the contents of the compensation.

The configuration including the customer-adaptive terms and conditions creating means 61 and the terms and conditions text storage means 60 may be a terms and conditions creating system for executing the terms and conditions creating method of the present invention. (Seventh Embodiment) Next, an insurance design system according to a seventh embodiment of the present invention will be described with reference to FIG.
As shown in FIG. 10, the insurance design system 7 further includes a risk analysis system 1 in addition to the configuration of the insurance design system 3 of the third embodiment.

The configuration and operation of the accident example information storage means 10 and the customer risk extraction means 11 in the risk analysis system 1 are the same as those of the risk analysis system 1 of the first embodiment.

The structure and operation of the compensation content setting means 30 are the same as those of the insurance design system 3 of the third embodiment.

The compensation content setting means 30 receives the risk information of the customer from the risk analysis system 1,
It operates based on the subdivided security classification included in the risk information of the customer. The compensation content setting means 30 includes:
When the received risk information of the customer includes a risk evaluation value, the cover coefficient may be determined based on the risk evaluation value.

For example, if all risk evaluation values are equal, the cover coefficient is set to 1 for all subdivided security categories.
It is conceivable that Further, for example, a subdivided security category whose risk evaluation value is equal to or larger than a predetermined threshold value is regarded as a subdivided security category to be compensated with emphasis, the cover coefficient is set to 1 only for such subdivided security category, and the remaining It is also conceivable that the cover coefficient is set to a value smaller than 1 (for example, 0) for the structured security category.

When the received risk information of the customer includes a comparison result between the risk evaluation value and the standard risk evaluation value, the cover coefficient may be determined based on the comparison result.

For example, a subdivided security category in which the difference between the risk evaluation value and the standard risk evaluation value is equal to or greater than a predetermined threshold value is regarded as a subdivided security category to be compensated for with priority, and only the subdivided security category is covered It is conceivable that the coefficient is set to 1 and the cover coefficient is set to a value smaller than 1 (for example, 0) for the remaining subdivided security sections.

Here, the insurance design system 7 of the present embodiment has a configuration including the risk analysis system 1 of the first embodiment and the insurance design system 3 of the third embodiment. A configuration including the risk analysis system 2 of the second embodiment instead of the analysis system 1 may be adopted. Further, the insurance design system 3 may be replaced with the insurance design systems of the fourth to sixth embodiments.

For example, in the case of including the risk analysis system 2 and the insurance design system 5, the compensation content setting means 30 receives the risk information of the customer from the risk analysis system 2 and includes the information in the risk information of the customer. The result of the determination (whether or not the insurance contracted by the customer has already secured the extracted subdivided security category) is included in the insurance design information and output.

The compensation content correcting means 50 receives the insurance setting information output from the compensation content setting means 30 and displays the judgment result contained in the insurance setting information in text form.
It is presented to the outside by graph display, voice output, etc. Then, it accepts customer's instruction information as an external input, and based on this, corrects and outputs the contents of the insurance setting information.

With this configuration, the customer can grasp the status of the risk hedging based on the currently contracted compensation contents in units of the subdivided security category, and which compensation is sufficient and which compensation is sufficient. The customer's instruction information can be input to the compensation content correcting means 50 while accurately determining whether or not there is any. (Eighth Embodiment) Next, an insurance contract management system according to an eighth embodiment of the present invention will be described with reference to FIG. As shown in FIG. 11, the insurance contract management system 8
Is an insurance design system 80 and a data management system 81
It has.

The insurance design system 80 is realized by the same configuration as the insurance design system according to any of the third to seventh embodiments of the present invention.

The data management system 81 manages the contents of compensation for contracted insurance. As a management method, a conventional database technology such as a relational database can be used.

The insurance design system 80 and the data management system 81 are connected by a wired or wireless network, and the insurance setting information output from the insurance design system 80 is input to the data management system 81 via the network. With such a configuration, data input to the data management system 81 does not need to be performed by the OCR or the punch tape reader, so that an input error due to an erroneous recognition of the OCR can be prevented. (Ninth Embodiment) Next, a ninth embodiment of the present invention will be described. A first example of the ninth embodiment is:
It has a recording medium on which a risk analysis program is recorded. This recording medium may be a CD-ROM, a magnetic disk, a semiconductor memory, or another recording medium, and includes a case where the recording medium is distributed via a network.

The risk analysis program is read from the recording medium into the data processing device, and controls the operation of the data processing device. The data processing device, under the control of the risk analysis program, from the accident example information stored in the storage means in a state including at least the subdivided security category, the accident example information that can occur to the customer based on the information about the customer. Selected,
Extract the subdivided security classification from the selected accident example information,
The extracted subdivided security classification is extracted as risk information possessed by the customer.

That is, the data processing apparatus executes the same processing as the processing by the risk analysis system in FIG. 1 or FIG. 4 under the control of the risk analysis program.

The second example of the ninth embodiment has a recording medium on which an insurance design program is recorded. This recording medium may be a CD-ROM, a magnetic disk, a semiconductor memory, or another recording medium, and includes a case where the recording medium is distributed via a network.

The insurance design program is read from the recording medium into the data processing device, and controls the operation of the data processing device. Under the control of the insurance design program, the data processing device sets compensation contents by combining the subdivided security categories.

[0135] Further, under the control of the insurance design program, the data processing device generates an accident for a customer based on information about the customer from among accident example information stored in the storage means in a state including at least the subdivided security section. Select possible accident example information, extract the subdivided security classification from the selected accident example information, set the compensation content by combining the extracted subdivided security classification, and in a state corresponding to the subdivided security classification. From the terms and conditions text stored in the storage means, a terms and conditions text corresponding to the extracted subdivided security category is extracted, and an insurance policy is created based on the extracted terms and conditions text.

That is, the data processing device controls the insurance design program to control the data processing device shown in FIG. 5, FIG. 6, FIG. 7, FIG.
0, the same processing as the processing by the insurance design system shown in FIG.

The third example of the ninth embodiment includes a recording medium on which an insurance contract creation program is recorded. This recording medium may be a CD-ROM, a magnetic disk, a semiconductor memory, or another recording medium, and includes a case where the recording medium is distributed via a network.

The insurance contract creation program is read from the recording medium into the data processing device, and controls the operation of the data processing device. Under the control of the insurance policy creation program, the data processing device extracts the policy text corresponding to the security category included in the insurance product contracted by the customer from the policy text stored in the storage means corresponding to the security category. Then, an insurance policy is created based on the extracted policy text.

That is, the data processing device executes the same processing as the processing by the customer-adaptive agreement creating means 61 in FIG. 9 under the control of the insurance agreement creating program.

The present invention is not limited to the above embodiments and can be applied in various modifications. For example, the insurance rate storage means may store the insurance rate corresponding to each combination of the subdivided security classification and the attribute information such as the type of business. In this case, the insurance premium can be calculated according to the attribute value of the customer. Also,
The insurance setting information output in each of the above embodiments can include various information as needed. For example, when the self-pay amount is set in the insurance design system, the self-pay amount related to the insurance setting information may be included and output.

[0141]

According to the present invention, a risk of a customer is automatically extracted based on an example of an accident that may occur to the customer, which is retrieved from information on the customer, for example, location, business type, sales amount, etc. Although a risk analysis is performed, a uniform extraction result that does not depend on experience can be obtained.

Further, since security sections are subdivided so that the security contents do not overlap with each other, and compensation contents are set by combining the subdivided security sections, it is unnecessary to adjust the overlapping security contents. In addition, since the combination of the subdivided security classifications that realizes the same security content is uniquely determined, it is not necessary to check the validity of the combination. Therefore, it is possible to perform insurance design with uniform quality of compensation contents without depending on the experience and knowledge of the person who performs the insurance design.

[0143] In addition, since the terms and conditions of the terms and conditions corresponding to each security category are stored in a database and the insurance terms and conditions are prepared using only the terms and conditions of the terms and conditions of the security included in the contents of the compensation, the customer is required to comply with the designed contents of the compensation. A customized insurance policy can be created for each case.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a risk analysis system according to a first embodiment of the present invention.

FIG. 2 is a diagram illustrating an example of accident example information stored in an accident example information storage unit.

FIG. 3 is a diagram illustrating an example of statistical information stored in an accident example information storage unit.

FIG. 4 is a block diagram illustrating a configuration of a risk analysis system according to a second embodiment of the present invention.

FIG. 5 is a block diagram showing a configuration of an insurance design system according to a third embodiment of the present invention.

FIG. 6 is a block diagram showing a configuration of an insurance design system according to a fourth embodiment of the present invention.

FIG. 7 is a block diagram showing a configuration of an insurance design system according to a fifth embodiment of the present invention.

FIG. 8 is a schematic diagram showing the concept of a cover type.

FIG. 9 is a block diagram showing a configuration of an insurance design system according to a sixth embodiment of the present invention.

FIG. 10 is a block diagram illustrating a configuration of an insurance design system according to a seventh embodiment of the present invention.

FIG. 11 is a block diagram showing a configuration of an insurance contract management system according to an eighth embodiment of the present invention.

[Explanation of symbols]

 1, 2 Risk analysis system 3, 4, 5, 6, 7, 80 Insurance design system 8 Insurance contract management system 10 Accident case information storage means 11 Customer risk extraction means 20 Insurance product storage means 30 Compensation content setting means 40 Insurance rate storage Means 50 Compensation content modification means 60 Terms and conditions word storage means 61 Customer-adaptive terms and conditions creation means 81 Data management system

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Inventor Toru Tsujimura 1-2-1 Marunouchi, Chiyoda-ku, Tokyo Inside Tokio Marine & Fire Insurance Co., Ltd. (72) Keita Furukawa 1-2-1 Marunouchi, Chiyoda-ku, Tokyo Tokyo Marine Fire Insurance Co., Ltd. (72) Inventor Ken Yamamoto 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Tokyo Marine Fire Insurance Co., Ltd. (72) Yoshiyuki Suzuki 1-2-1, Marunouchi, Chiyoda-ku, Tokyo, Tokyo Marine Fire Insurance Co., Ltd. (72) Inventor Akira Hima 1-2-1 Marunouchi, Chiyoda-ku, Tokyo Tokyo Marine Fire Insurance Co., Ltd. (72) Hideo Aizawa 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Tokyo Marine Fire Insurance Co., Ltd. F-term (reference) 5B055 CA00 CB05 CC00 (54) [Title of Invention] Risk analysis system and method, insurance Total system and method, policy statement creation method, and risk analysis program running on a computer, insurance design program or policy statement creation program recorded recording medium

Claims (23)

[Claims] 1. An accident example information storage means for storing information of an accident example, and an accident example information group corresponding to an accident example which can occur to a customer is selected from the accident example information storage means based on information about the customer. And a customer risk extracting means for extracting and outputting risk information possessed by the customer based on the selected accident example information group. 2. The risk analysis system according to claim 1, wherein the accident example information stored in the accident example information storage means includes at least one of industry information, regional information, and customer scale information. A risk analysis system characterized by including: 3. The risk analysis system according to claim 1, wherein the accident example information stored in the accident example information storage means includes at least a subdivided security section, A risk analysis system, wherein the risk extraction means extracts at least the subdivided security section based on the selected accident example information group. 4. The risk analysis system according to claim 3, further comprising insurance product storage means for storing a subdivided security category secured by the insurance product, wherein said customer risk extraction means comprises: By referring to the insurance product storage means, it is determined whether the extracted subdivided security category is secured by a predetermined insurance product, and the risk information of the customer is output including the determination result. A risk analysis system characterized by: 5. The risk analysis system according to claim 3, wherein the accident example information storage means stores at least one of accident occurrence frequency information, accident unit price information, and expected damage information as statistical information. The customer risk extraction means, based on the statistical information,
A risk analysis system, wherein a risk evaluation value is calculated for each of the extracted subdivided security categories, and the risk information included in the customer is output including the risk evaluation value. 6. The risk analysis system according to claim 5, wherein the accident example information storage unit is configured to subdivide an item obtained by combining one or more of industry information, regional information, and customer scale information. A standard risk evaluation value for each security category is stored, and the customer risk extraction means outputs the risk information of the customer including a comparison result between the risk evaluation value and the standard risk evaluation value. And risk analysis system. 7. An insurance design system comprising: a compensation content setting means for setting compensation content by combining subdivided security sections. 8. The insurance design system according to claim 7, further comprising insurance rate storage means for storing an insurance rate corresponding to each of the subdivided security categories, wherein said compensation content setting means comprises: An insurance design system comprising: reading an insurance rate corresponding to a subdivided security category by referring to a rate storage means; and calculating an insurance premium based on the read insurance rate. 9. The insurance design system according to claim 7, further comprising compensation content correction means, wherein the compensation content correction means responds to an input from outside to set the compensation content. Insurance design system characterized by changing. 10. The insurance design system according to claim 9, wherein the input from outside includes at least one of instruction information from a customer and past accident actual information of the customer. A unique insurance design system. 11. The insurance design system according to any one of claims 7 to 10, further comprising a clause text storage means and a customer-adaptive clause drafting means, wherein said clause text storage means is subdivided. Storing the terms and conditions wording corresponding to each of the security categories, the customer-responsive type terms and conditions creating means selects the terms and conditions wordings corresponding to the combined subdivided security categories by referring to the terms and conditions wording storage means, and An insurance design system characterized by creating 12. The insurance design system according to any one of claims 7 to 11, wherein the compensation content setting means sets a compensation content by giving and combining a cover coefficient for each subdivided security category. Insurance design system characterized by doing. 13. The insurance design system according to claim 12, wherein the compensation content setting means acquires a security target price for each of the subdivided security categories, and based on the security target price and the cover coefficient. An insurance design system that calculates an insurance payment limit. 14. The insurance design system according to any one of claims 7 to 13, further comprising the risk analysis system according to any one of claims 3 to 6, wherein the insurance design The insurance design system characterized in that the compensation content setting means in the system receives the risk information of the customer output by the risk analysis system and operates based on the subdivided security classification included in the risk information of the customer. . 15. The insurance design system according to claim 12 or 13, further comprising the risk analysis system according to claim 5 or 6, wherein the compensation content setting means in the insurance design system comprises: Receiving the risk information of the customer output by the risk analysis system, operating based on the subdivided security classification included in the risk information of the customer, and calculating the cover coefficient based on the risk information of the customer. A unique insurance design system. 16. The insurance design system according to claim 7, wherein the insurance design system is configured by computers distributed on a network. 17. An accident example information that can occur to a customer based on information about the customer is selected from the accident example information stored in the storage unit in a state including at least the subdivided security section, and the selected accident example information is selected. A risk analysis method, wherein a subdivided security category is extracted from accident example information, and the extracted subdivided security category is used as risk information possessed by a customer. 18. An insurance design method, wherein the contents of compensation are set by combining subdivided security categories. 19. A contract term corresponding to a security section included in an insurance product to be contracted by a customer is extracted from the contract terms stored in the storage means in a state corresponding to the security section,
An insurance contract creation method, wherein an insurance contract is created based on the extracted agreement text. 20. Select accident example information that can occur to a customer based on information about the customer from the accident example information stored in the storage unit including at least the subdivided security classification, and select the selected accident example information. The subdivided security categories are extracted from the accident example information, the compensation contents are set by combining the extracted subdivided security categories, and the terms and conditions stored in the storage means in a state corresponding to the subdivided security categories are included. A policy clause corresponding to the extracted subdivided security category, and creating an insurance clause based on the extracted clause clause. 21. A computer-readable recording medium storing a program for causing a computer to execute the risk analysis method according to claim 17. 22. A computer-readable recording medium storing a program for causing a computer to execute the insurance design method according to claim 18 or 20. 23. A computer-readable recording medium storing a program for causing a computer to execute the insurance policy making method according to claim 19.