JP2002342577A - System, method and program for premium retrieval - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system, a method and a program for premium retrieval, which make it possible to speedily retrieve a premium, facilitate adaptation to the revision of the premium, and less use the memory of a computer and a recording medium where the program is recorded. SOLUTION: This premium retrieval system is equipped with an input means 2, an output means 1, a storage means 9, and a control means 3 which controls those means; and the storage means 9 is equipped with a retrieval pattern table 6 stored with retrieval patterns classified according to contact conditions and a premium table 7 which is classified by revisions of premiums and the control means 3 has a function of giving notice of an input item, requested for retrieval, selected according to the relation between an inputted contract condition and a retrieval pattern through the output means 1, retrieving a premium from the premium table 7 according to the inputted condition, and notifying the output means 1 of the retrieval result.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance premium search system, an insurance premium search method, an insurance premium search program, and a recording medium on which an insurance premium search program is recorded. , It is possible to quickly search for insurance premiums, it is easy to respond to revisions of insurance premiums, and an insurance premium search system that uses a small amount of computer memory, an insurance premium search method using the system, and an insurance premium search And a recording medium on which an insurance premium search program is recorded.

[0002]

2. Description of the Related Art Insurance such as life insurance and non-life insurance is provided to insured persons to deal with risks that may occur in the future, and is used by many people.
There are many types of such insurance, and in the case of life insurance, there are, for example, term insurance, escalating term insurance, declining term insurance, free-design insurance, endowment insurance, whole life insurance, and the like. Furthermore, each insurance usually consists of a main contract and special contracts, and there are many types of special contracts. The special contracts include, for example, regular contracts, serious illness special contracts, family special contracts, hospitalization special contracts, disability special contracts, and adult disease special contracts. Since one insurance is a combination of a main contract and a special contract, the types of insurance constituted by such a combination are extremely large.

[0003] The insurance premium for each insurance is not taken into account for each of the many types of insurance described above, except for the conditions on the insured side, such as gender, insurance period, insurance amount, and whether or not one-time payment is made. It is determined.

[0004] Such insurance premiums are usually calculated by an insurance sales representative from an extremely large number of tables created for each type of insurance, each type of special contract, and the like. It is demanded by a method of searching. As a result, it is difficult for ordinary insured persons to seek premiums for specific types of insurance in accordance with the conditions of specific policyholders, and it is complex for experienced insurance salespeople. This is a laborious task.

[0005] In addition to solving the above problems,
Computer methods have been attempted to quickly and accurately determine premiums. In this method, a conventionally used insurance premium survey table is stored in a computer, and the insurance premium of a corresponding condition is obtained from the table. The use of such a computer has the effect of shortening the time required for the insurance premium survey to some extent and reducing the labor of the insurance sales person.

[0006] However, in the method of simply converting the conventional investigation method into a computer, it is necessary to store a large number of tables in the computer. Therefore, this method has a problem that a large amount of computer memory is used. Also, since there are many tables, there is a problem that it takes time to search for insurance premiums and it is difficult to use.

On the other hand, insurance premiums are revised quite frequently,
In many cases, in addition to the major revision twice a year, minor revisions may be made in the meantime. When the insurance premium rate is revised, it is necessary to correct the numerical values in each table of the computer system and the booklet, and this correction and the publication of the booklet after the correction require much time. Therefore, even if the insurance premium is revised, these operations do not follow quickly.

[0008]

SUMMARY OF THE INVENTION The present invention relates to an insurance premium search system capable of quickly retrieving insurance premiums, easily coping with revision of insurance premiums, and using a small amount of computer memory. Premium search method using the system,
An object of the present invention is to provide an insurance premium search program for causing a computer to have a function as an insurance premium search system, and a recording medium on which the insurance premium search program is recorded.

[0009]

SUMMARY OF THE INVENTION The gist of the present invention is as follows: an insurance premium search system, an insurance premium search method using this system, a program for providing a computer with an insurance premium search function, and a program recorded with the program. It is on a recording medium.

An insurance premium search system according to the present invention includes an input unit, an output unit, a storage unit, and a control unit for controlling these units. The storage unit stores search patterns classified based on contract conditions. Search pattern table, and an insurance premium table stored in a table united for each revision of the insurance premium, and the control means selects an input selected from the search pattern table based on the input contract conditions. The item is notified through the output means, and the premium is searched from the corresponding premium table in the premium table based on the condition input according to the notified input item, and the search result is output to the output means. It has the function of notifying via

[0011] In the above system, it is desirable that the insurance premium table has a plurality of indexes for specifying a search range according to a search condition in table units divided for each revision of the insurance premium. The search pattern table preferably has a format in which input items required for the search are specified for each contract condition. It is desirable that the output of the insurance premium search result be patterned according to the search conditions. Further, the above system
It is desirable to have an extraction table for re-search which stores the insurance premium data searched according to the search condition.

[0012] An insurance premium search method according to the present invention includes an input unit, an output unit, a storage unit, and a control unit for controlling these units, and the storage unit is stored in a table unit for each revision of the insurance premium. A premium search system including a premium table and a search pattern table storing search patterns classified based on the contract conditions is used, and the contract conditions are input. Select the search pattern to be performed, let the output unit notify the input items defined for each search pattern, enter search conditions according to the notified input items, and, based on the search conditions, The insurance premium is retrieved from the corresponding premium table, and the retrieval result is notified to the output means.

[0013] In the above insurance premium search method,
When re-searching, using the insurance premium data that is searched according to the search condition and stored in the re-search extraction table,
It is desirable to change the premium output condition and search for the premium again.

[0014] The insurance premium search program according to the present invention comprises:
The computer functions as input means, output means, storage means, and control means for controlling these means. The computer stores the insurance premiums in an insurance premium table in the storage means divided in units of insurance premium revision. Function to store the search pattern classified based on the contract condition in the storage means, and input means designated by the search pattern selected based on the contract condition inputted through the input means to the output means. A function of causing the user to search for an insurance premium from a corresponding premium table in the insurance premium table based on a condition input according to an input item and to notify the search result via an output unit is realized. It is a program for.

[0015] The program further has a function of causing a computer to form an extraction table for storing insurance premiums searched in accordance with the above-mentioned search conditions as insurance premium data used in re-searching. It is desirable to have a function to make a re-search based on the insurance premiums.

A recording medium according to the present invention is a recording medium on which the above-mentioned insurance premium search program for causing a computer to have a function as an insurance premium search system is recorded.

Note that the above contract conditions refer to conditions determined by the contractor, such as gender, period division, and items corresponding to remarks. Further, in the present invention, the concept of “table” is used for storing information such as contract conditions and data such as insurance premiums. The “table” includes “partitions” provided in the storage unit of the computer, "region"
The concept is also included.

[0018]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, a premium search system, a premium search method, a premium search program, and a recording medium on which this program is recorded according to a preferred embodiment of the present invention will be described. In the following description, the insurance premium search system will be mainly described for easy understanding of the present invention.

Since the system of the present invention has a large amount of data to be stored and many users of the system, it is possible to combine a host computer, a server, a browser, a terminal, etc.
It is desirable to construct a system corresponding to an intranet. In this case, it is possible to collectively manage the revision of the insurance premium, the improvement of the system, and the like. In addition,
When the data amount is small, the whole system may be stored in a personal computer.

FIG. 1 is a block diagram showing an apparatus configuration of an insurance premium search system according to a preferred embodiment of the present invention. This system includes an output unit 1, an input unit 2, a control unit (central processing unit: CPU) 3, and a storage unit 9. The storage means 9 includes a menu display order table 4, an insurance type table 5, a search pattern table 6, an insurance table 7, an extraction table 8, and a gender table 6a, a period division table 6b, and a remarks table related to the search pattern table 6. 6c.

The output means 1 comprises a CRT, a liquid crystal display, a printer, and the like, as well as an audio output device. These devices may be used in combination. In the present invention, outputs from these output units are collectively referred to as a notification.

The input means 2 is a keyboard, a pointing device or the like, and these may be used in combination. Of the tables shown in FIG. 1, the menu display order table 4 and the insurance type table 5 do not necessarily have to be in the form of tables. However, as described below, it is desirable to use a table from the viewpoint of maintenance of the display screen.

The data stored in each table is as follows. The menu display order table 4 includes, for example, main contract 1, main contract 2, special contract 1,
Upper items such as special contract 2 and others are stored, and lower items (code numbers and item names) are stored for each item. In this table, for example, when several lower items are displayed on the output unit 1 (screen) in the order of higher items, the order in which the lower items are displayed is defined. Therefore, if it is desired to change the display order, the rules in this table may be corrected.

FIG. 2 shows an example of the insurance type selection screen displayed on the output means 1 on the basis of the contents stored in the insurance type table 5 relating to the main contract. As shown in FIG. 2, the main contract is divided into profit-bearing insurance and participating insurance every five years (upper items), and each item is further subdivided into lower items. As described above, the insurance type table 5 stores lower items for each of these higher items. Then, the lower order items are displayed on the screen according to the order defined in the display order table 4 described above. If it is necessary to correct or add items to be displayed, the insurance type table 5 may be changed.

The insurance type table 5 includes tables such as special contracts and others in addition to the main contract. An example of a display screen relating to special contracts is as shown in FIG.

Note that the notification about the insurance type to the output means 1 includes the menu display order table 4 and the insurance type table 5 as described above from the viewpoint of easy maintenance of the system.
It is desirable to use However, even without using such a table, the above processing can be performed by programming the screen display.

In the search pattern table 6, input items required for the search are specified for each contract condition, for example, in accordance with selection items such as period division, gender, and others. Therefore, when the contract conditions are input, the input items required for the search are selected based on the search pattern table 6. The input items are displayed on the output means 1 as a search condition selection screen.

As described above, the search conditions are patterned because the search conditions for insurance premiums differ depending on the type of insurance, and only the search conditions required in accordance with the type of insurance are displayed on the output means 1. This is to simplify the screen configuration of the search condition selection screen, speed up the processing, and facilitate input on the screen. The search pattern table 6 further includes a gender table 6a, a period division table 6b, and a remarks table 6c.
It is desirable to provide tables corresponding to the contract conditions as described above and form the search pattern table 6 based on these tables. By using such a table, maintenance of the search pattern table 6 can be simplified.

FIG. 4 shows an example of a search condition selection screen.
In the case of this example, three conditions, that is, a term category of the term of maturity and the term of maturity, gender, and other (insurance amount) are selected as input items, and corresponding conditions are input.

FIG. 5 shows an example of the structure of the insurance premium table 7. The insurance premium table 7 is composed of a table of insurance premium revision units, that is, a table of revision time units, and each revision unit table is provided with a code number such as a revision code a and a revision code b. . In addition, the table of each revision unit stores only the insurance premium of the case where the revision has been changed. Therefore, the premiums in the unrevised case will be stored in the previous table. By employing such a table configuration, the capacity of the memory can be significantly reduced.

In the insurance premium table of each revision unit, there are provided several types of indexes as shown in FIG. 5 (in FIG. 5, indices 1 and 2 to n). Is desirable. This index is
It specifies which items in a specific premium table to search for each premium search, and limits the search range by indexing so that only the necessary range is searched Things.

Here, the insurance premium table 7 is composed of the insurance premium itself determined according to parameters related to the insurance premium, for example, the type of insurance, the insurance amount, the insurance period, the gender, the insurance start time, and the like. I have. For this reason, the number of insurance premiums may be enormous, for example, several million. Normally, it takes a lot of time even for a computer to search for the relevant premium from the huge number of such premiums. The solution to this problem is the indexing of search targets described above. By indexing the search target, the search speed can be greatly improved.

The extraction table 8 is used when re-searching the insurance premium extracted under the above-mentioned indexed conditions, and is a table for pre-indexing the conditions for the re-search. This table is convenient to use when re-searching the insurance premium, and it is desirable that the system according to the present invention include this table. This table is used, for example, when a search is made once and the result is notified, and then the calculation condition of insurance premium (insurance period, payment period, contract age, etc.) is changed, and the result is re-notified. . By using this table,
Re-search can be performed more quickly.

FIG. 6 is a flowchart for explaining the insurance premium search method according to the embodiment of the present invention. FIG.
In the following, a specific flow in the case of searching for an insurance premium by the system having the above configuration will be described.

When the insurance premium search system according to the present invention is started up, the insurance type selection screen shown in FIGS. 2 and 3 is displayed on the output means. The type of insurance displayed on this screen is based on the information stored in the insurance type table 5 as described above. The display order is in accordance with the order defined in the display order table 4.

When the type of insurance to be searched for the main contract, special contract, and the like is selected from the insurance type selection screens illustrated in FIGS. 2 and 3, an insurance type selection screen for selecting more detailed conditions for the type of insurance. Is displayed. FIG. 7 shows an example of the screen. This screen includes an insurance type explanation section shown as 7a in FIG. 7 and a detailed insurance type selection section also shown as 7b in FIG. In the case of FIG. 7, "term insurance with interest and dividends every five years" is selected as the main contract. Note that the insurance type name and the comment displayed in FIG. 7 are obtained from the insurance type table 5, and the insurance type table 5
It is formed on the basis of the information.

Here, "Terminology with interest distribution every five years"
When "Standard" is selected, from the search pattern table 6,
For example, search conditions relating to gender, period division, and remarks are acquired and displayed as a search condition selection screen illustrated in FIG. According to this indication, the required period division 4a,
A search condition for gender 4b and other 4c is input. When the search conditions are input and the execution button is pressed, the insurance premium is searched first, and the searched insurance premium is displayed on the output means (screen).

FIG. 8 shows an output example of the insurance premium search result.
The search result shown in FIG. 8 is for the case where the condition of “Terminal insurance standard body with interest and dividends every five years, term classification: maturity, gender: male, insurance amount: less than 3 million yen” is selected. is there. The selected search condition is displayed in the header section 8a of this screen. Items related to a period, a payment period, and a contract age are displayed in a display condition selection unit 8b below the display condition selection unit 8b, and desired conditions can be selected for these items.

According to the display condition selected here, search results for ten cases are displayed in the search result display section 8c. The displayed items are annual payment, semi-annual payment, monthly payment, group semi-annual payment, group monthly payment, and monthly debit payment for each period (year), premium payment period (year) and contract age (year). is there.

It is desirable that the output contents are patterned for each search condition as shown in FIG. Since output items and output contents are determined according to the search condition, the output contents can be selected by patterning the relationship in, for example, a table format, so that output can be speeded up and system maintenance can be simplified. Can be achieved.

When a re-search is necessary, the conditions such as the period (insurance period), the payment period, the contract age, etc. shown in section 8a of FIG. 8 are changed according to the search conditions to be changed, and the re-search is performed. Should be executed. In the case of the re-search, as described above, the insurance premium that meets the condition is searched based on the insurance premium data temporarily stored in the extraction table, and displayed on the output unit.

As described above, the search for the insurance premium in the system of the present invention is performed. An outline of a program that causes a computer to execute such processing is as described below.

FIG. 9 is a flowchart showing an outline of a program for providing a computer with a function of executing the above processing. When the system is started (start), an insurance type selection input instruction screen is displayed (S).
1). When the insurance type is input via the input means 2, it is determined whether the insurance type information has been input as instructed (S).
2) If "NO", the process returns to S1, and if "YES", a search condition pattern is selected (S3). Next, a search condition input instruction screen is displayed (S4). When the search condition is input via the input means 2, it is determined whether the search condition is input as instructed (S5), and "NO" is determined. ”For S
Return to 4.

Next, an insurance premium output condition input instruction screen is displayed (S6). When the insurance premium output condition is input, it is determined whether or not the insurance premium output condition is input as instructed (S6).
7) If “NO”, return to S6, if “YES”, calculate insurance premium (S8). The insurance premium is output to the output means 1 (S9), and the insurance premium output condition change input instruction screen is displayed (S10), and it is determined whether or not the premium output condition has been changed (S11), and "YES". Returns to S8 in the case of, and ends in the case of "NO" (end).

The recording medium for the premium search program according to the present invention is a medium in which a program for causing a computer to execute the above-described premium search system according to the present invention is recorded. (Registered Trademark) disks, CD-ROMs, DVD-ROMs, and the like can be used, and the programs themselves can be transferred using communication means.

[0046]

As described above, in the premium search system according to the preferred embodiment of the present invention, the premium table is divided, the revision code of the search target table is defined for each type of insurance, and each revision is performed. A method of providing an index for each unit table is adopted. By implementing the method according to the present invention using the system according to the present invention, it is possible to respond to the revision of the insurance premium rate quickly and easily, the search speed of the insurance premium is remarkably improved, and the memory of the computer is saved. A remarkable effect that the amount of use can be significantly reduced is obtained.

The insurance premium search system according to the present invention can be provided with a computer by using the insurance premium search program according to the present invention.
This program can be applied to each computer by using a medium in which the program is stored.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an apparatus configuration of an insurance premium search system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a display example regarding a main contract in an insurance type selection screen displayed on an output unit 1 according to the embodiment of the present invention.

FIG. 3 is a diagram showing a display example regarding a special contract in an insurance type selection screen displayed on the output means 1 according to the embodiment of the present invention.

FIG. 4 is a diagram showing an example of a search condition selection screen according to the embodiment of the present invention.

FIG. 5 is a diagram showing an example of a configuration of an insurance premium table according to the embodiment of the present invention.

FIG. 6 is a flowchart illustrating a flow of an insurance premium search using the insurance premium search system according to the embodiment of the present invention.

FIG. 7 is a diagram showing an example of a screen for selecting a detailed insurance type according to the embodiment of the present invention.

FIG. 8 is an example of a display screen showing output contents of an insurance premium search result according to the embodiment of the present invention.

FIG. 9 is a schematic flowchart of an insurance premium search program according to the embodiment of the present invention.

[Explanation of symbols]

 Reference Signs List 1 output means 2 input means 3 control means 4 display order table 5 insurance type table 6 search pattern table 7 insurance premium table 8 extraction table 9 storage means

Claims (10)

[Claims] 1. An insurance premium search system comprising an input means, an output means, a storage means and a control means for controlling these means, wherein the storage means stores search patterns classified based on contract conditions. A search pattern table, and an insurance premium table stored in a table united for each revision of the insurance premium, wherein the control means is selected from the search pattern table based on input contract conditions. The input item is notified through the output means, and based on the condition input according to the notified input item, an insurance premium is searched from a corresponding premium table in the insurance table, and a search result is obtained. An insurance premium search system having a function of notifying the user via an output means. 2. The insurance premium table according to claim 1, wherein the insurance premium table has a plurality of indexes for specifying a search range in accordance with a search condition in a table unit divided for each revision of the insurance premium. The described insurance premium search system. 3. The insurance premium search system according to claim 1, wherein the search pattern table has a format in which input items are specified for each contract condition. 4. The premium search system according to claim 1, wherein an output of the search result of the premium is patterned according to a search condition. 5. The insurance premium search according to claim 1, further comprising a re-search extraction table for storing the insurance premium data searched according to the search condition. system. 6. An insurance table comprising input means, output means, storage means and control means for controlling these means, wherein said storage means is stored in a table unit for each revision of insurance premiums. In an insurance premium search method using an insurance premium search system including a search pattern table storing search patterns classified based on contract conditions, a contract condition is input, and a search corresponding to the input value is performed. A pattern is selected, the output means is notified of input items defined for each search pattern, and search conditions are input in accordance with the notified input items. An insurance premium search method, wherein an insurance premium is searched from a corresponding insurance premium table, and the search result is notified to an output unit. 7. Searching according to the search condition, changing the premium output condition using the premium data stored in the re-search extraction table, and re-searching the premium. The insurance premium search method according to claim 6. 8. An insurance premium search program for causing a computer to function as input means, output means, storage means, and control means for controlling these means. A function of storing insurance premiums in an insurance premium table in the means, a function of storing search patterns classified based on contract conditions in the storage means, and a function of selecting a contract pattern inputted through the input means. A function of notifying an input item designated by a search pattern via the output means, and a premium from a corresponding premium table in the premium table based on a condition inputted according to the input item. A premium search program for realizing a function of causing a search and notifying a search result via the output unit. 9. A function of causing the computer to form an extraction table for storing insurance premiums searched according to search conditions as insurance premium data used in a re-search, and the insurance stored in the extraction table. 9. The insurance premium search program according to claim 8, wherein a function of performing a re-search based on the premium is realized. 10. A recording medium on which the insurance premium search program according to claim 8 or 9 is recorded.