JP2003030442A - System and program for calculating automobile insurance premium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automobile insurance premium calculation system capable of reducing costs needed to pay automobile insurance money and also further diversifying automobile insurance commodities. SOLUTION: This automobile insurance premium calculation system is characterized in that it is provided with an automobile insurance premium calculating means for calculating insurance premium paid for an automobile on the basis of basic data present to calculate automobile basic insurance premiums and operating conditions representing the operating conditions of the automobile, and the basic data comprise first basic data for calculating at least first basic insurance premiums and second basic data for calculating second basic insurance premiums.

Description

Detailed Description of the Invention

[0001]

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

[0002]

2. Description of the Related Art Automobile insurance is roughly divided into automobile liability insurance, which is obliged to contract by law, and voluntary automobile insurance, which can be arbitrarily contracted. The liability insurance is the insurance that is paid within the limit prescribed by law in case of accidentally injuring or dying another person due to the operation of a car.

On the other hand, since voluntary automobile insurance is a voluntary contract, its contents are also various. For example, personal liability insurance that compensates for personal injury damage that exceeds the insurance premiums paid by liability insurance, property-based liability insurance that compensates the physical damage of others, and vehicle insurance that covers the cost of repairing the damage of your own car, etc. is there.

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

A rental car company has a plurality of types of automobiles (hereinafter referred to as "rental car") at all times, and rents out a rental car desired by a user under a certain condition. The user can select the car type, time,
By paying the rental fee according to the schedule, the car can be used instead of purchasing the car. The types of rental cars include, for example, automobiles for individuals (normal cars, light cars, sports cars, etc.)
There are also commercial vehicles (trucks, dump trucks, etc.).

[0006] Since such a car rental company needs to purchase a plurality of various kinds of cars in advance according to the wishes and uses of the user and keep them, the car insurance for all these cars is required. Have to contract.

Here, in the conventional insurance industry, since it was obligatory to use a predetermined calculation fee rate, all insurance companies provided products (automobile insurance) at the same insurance rate. Specifically, for example, the automobile insurance premium is calculated according to a predetermined insurance premium rate with respect to “vehicle type, insurance amount, insurance period” and the like.

[0008] The automobile insurance is mainly an annual contract. Therefore, the rent-a-car company paid the car insurance premium for one year according to the predetermined number of divisions for all the rented cars. For example, if the number of divisions is “12 times / year”, the car rental company
The car insurance premium for one year divided in December was paid as a fixed monthly premium.

[0009]

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

[0010] First, since the conventional automobile insurance premiums are calculated based on certain predetermined conditions, there is a problem that the cost of automobile insurance becomes high depending on the use situation of the automobile. there were.

The automobile insurance is generally paid by the automobile insurance company to the contractor when an automobile accident occurs. As described above, in the calculation of the automobile insurance premium, factors such as “vehicle type, insurance amount, insurance period” are taken into consideration. However, the incidence of car accidents also fluctuates according to the usage status of the car.

[0012] Further, the rental car company owns a plurality of various types of cars at a time and rents them out to the user, but the usage status of each rental car varies depending on the type of rental car and the entity that rents the car. Is. For example, in the case of ordinary cars that are easily used by individuals, they are often used on average throughout the year except for the travel season. However, commercial vehicles that are easily used by corporations, such as 4t used for public works, etc.
Trucks and dump trucks have the characteristic that their usage tends to concentrate during the season when public works are carried out. In particular, public works are often carried out around March. Therefore, the usage of rental cars is concentrated during the relevant period of the year, and is rarely used during the other period (for example, the end of the year) and the user actually sleeps in the garage.

However, even in such a case, the rent-a-car company is required to make insurance contracts for all the owned cars. That is, for example, even for a rental car that is actually used for only half a year, the rental car company will pay the insurance premium for one year. Therefore, there is a problem that the cost required to pay the automobile insurance premium becomes very high depending on the usage situation of the rental car.

Second, in the conventional automobile insurance industry, since it was obligatory to use a predetermined automobile insurance rate, all insurance companies provided products at the same insurance rate. Therefore, even if the car rental company contracts for car insurance, there is no big difference in the contents and services of the car insurance company,
There was little room to choose a car insurance product.

However, in recent years, due to deregulation such as liberalization of insurance premiums, it has become possible to freely set the content of insurance premiums, so that competition in the automobile insurance industry is intensifying. And with the intensification of this competition, new automobile insurance products are being introduced one after another.

For example, regarding automobile insurance products for individuals, a fine-grained insurance premium calculation standard has been introduced, and products in which accident risk has been finely classified according to region, age, vehicle type, intended use, etc. have been developed. Therefore, the user who contracts the car insurance can choose from among the diversified car insurance.
It is becoming possible to choose the best car insurance for you.

However, unlike such automobile insurance for individuals, for automobile insurance for corporations such as car rental companies, products have not been diversified. Therefore, there is a problem that the car rental company is forced to select car insurance within a predetermined frame as in the past, instead of car insurance corresponding to the actual situation of the car rental company.

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

A second object of the present invention is to provide an automobile insurance calculation system which can further diversify automobile insurance products.

[0020]

[Means for Solving the Problems] When calculating an automobile insurance premium, it is desirable to calculate an optimal insurance premium for each user in consideration of various calculation criteria. This is because the risk of a car accident and the like differ depending on the condition of the car and the conditions of the person driving the car. For example,
Insurance premiums for automobiles and users with high risk of accident occurrence are set high, and conversely, insurance premiums for automobiles and users with low risk of accident occurrence are likely to be set low.

Considering the situation of automobiles owned by the above-mentioned rental car company, it can be said that the rental car that is not used only because it is sleeping in the garage has a very low accident rate.

Therefore, the present invention has been made in view of the characteristics of such a rental car, and adopts the operating condition data of the automobile as a new standard for calculating the insurance premium. As an example of operating status data,
For example, there are the number of working days and the distance traveled by a car.

Furthermore, the following two methods are conceivable as a method of calculating the insurance premium using the operating status data. The first is to set a "basic insurance premium" for automobile insurance based on the same conditions as before, and to correct this basic insurance premium according to the number of working days and mileage on a daily basis. It is to calculate the "actual insurance premium paid".

In the second method, a plurality of types of basic insurance premiums are set so that different basic insurance premiums are applied depending on the operating status of the vehicle, and these multiple basic insurance premiums are set according to the daily operating status data. The “payment premium” is calculated by correcting the basic insurance premium.

[0025] For example, a basic insurance premium applied when an automobile is operated (hereinafter referred to as "operating basic insurance premium").
And the basic insurance premium applied when the vehicle is not operated (hereinafter referred to as "non-operating basic insurance premium"). Then, the insurance premium paid on the working day is calculated based on the basic insurance premium for operation, and the insurance premium paid on the non-working day is calculated based on the basic insurance premium for non-operation. Finally, the final premium paid can be calculated by summing the premiums paid on working and non-working days.

As described above, by using the operating condition data of the automobile as a new reference for calculating the insurance premium, it becomes possible to calculate the insurance premium corresponding to the actual use condition of the automobile and the automobile whose utilization condition is small. With respect to, it becomes possible to reduce the cost required to pay the insurance premium as compared with the case where the insurance premium is uniformly paid.

When variable data such as vehicle operating condition data is adopted as the insurance calculation standard, the reliability of the data may be a problem. For example, if you have a car insurance contractor,
By reporting false data about, it is possible to reduce the cost of car insurance. However, even in such a case, it is difficult for the insurance company to grasp the authenticity of the operation status data.

Therefore, in the present invention, in order to secure the reliability of the operation status data, an actual vehicle management and sales management system of a rental car company and an insurance premium calculation system are provided.
It will be linked.

Normally, a car rental company has a sales office in each area, and each sales office manages the actual vehicle status (whether or not it is rented out) and sales status of each rental car. . This is because in order to smoothly rent a rental car to the user, it is necessary to know what kind of state the rental car currently owns is in.

Therefore, by linking the system relating to the business of the rental car company and the insurance premium calculation system, it is possible to ensure the reliability of the data that is the reference for calculating the insurance premium.

Specifically, since the sales of the sales office are calculated based on the actual vehicle management data (operation information etc.) input from each sales office, the calculated sales data is used to calculate the insurance premium. Was calculated.

That is, the automobile insurance premium calculation system according to the present invention is based on the basic data set in advance for calculating the basic insurance premium of the automobile and the operating condition data representing the operating condition of the automobile. An automobile insurance premium calculation means for calculating an automobile insurance premium is provided, wherein the basic data is for calculating at least first basic data for calculating a first basic insurance premium and second basic data for calculating a second basic insurance premium. It is characterized by comprising the second basic data.

Further, the first basic insurance premium is an operating basic insurance premium applied when the vehicle is operated, and the second basic insurance premium is used when the vehicle is not operated. Non-operating basic insurance applied, wherein the vehicle insurance premium calculating means calculates the operating basic insurance from the first basic data, and the non-operating basic insurance from the second basic data. A basic insurance premium calculating means for calculating a premium, a basic insurance premium for operation and a basic insurance premium for non-operation calculated by the basic insurance premium calculating means, and an insurance payment to be calculated based on the operation status data. An insurance payment calculation means is provided.

Furthermore, the insurance premium calculation means is
The operating rate and the non-operating rate of the vehicle within a certain period are calculated from the operating status data, and the operating insurance premium is calculated by multiplying the operating rate of the vehicle by the operating basic insurance premium. The non-operating basic insurance premium is multiplied by the non-operating rate to calculate the non-operating premium paid, and the non-operating premium is calculated by summing the non-operating premium and the non-operating premium. Is calculated.

Here, the "operating rate" means the ratio of the time that the vehicle has been operating in a predetermined fixed time, and the "non-operating rate" means that the vehicle has not been operating in the predetermined constant time. The percentage of time spent. In addition, "the time when it was in operation"
Means that the rental car is rented to the customer.

The operating rate of the vehicle is the ratio of the number of days that the vehicle has been operating in the certain period, and the non-operating rate of the vehicle is the rate of the number of days that the vehicle is not operating in the certain period. Is desirable.

The first basic data and the second basic data
It is desirable that the basic data of (1) is set such that the operating basic insurance premium is higher than the non-operating basic insurance premium.

Furthermore, the insurance premium calculation means is
It is characterized in that the number of mileages of the automobile is calculated from the operation status data, and the insurance premiums paid are calculated by multiplying the insurance premiums paid by a mileage coefficient corresponding to the number of mileages.

In addition, the program according to the present invention causes a computer to store a basic data which is a first calculation standard of automobile insurance premiums, and an operation of the automobile which is a second calculation standard of the automobile insurance premiums. Operation status data input means for inputting status data, basic insurance premium calculation means for calculating first basic insurance premium and second basic insurance premium based on the basic data, and basic insurance premium calculation means for calculating And functioning as a paid insurance premium calculation means for calculating a paid insurance premium based on the first basic insurance premium and the second basic insurance premium which have been made, and the operational status data input by the operational status data input means. Is characterized by.

[0040]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the present embodiment, a car rental company will be described as an example.
The present invention is not limited to this, and can be applied to, for example, a shipping company or a moving company.

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

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

(Outline of data structure in automobile insurance calculation system) Next, each DB in this system 100
The structure of will be described.

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

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

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

FIG. 4 is a diagram showing a data structure of a business office table included in the management DB 10. The sales office table stores data about each sales office. For example, items such as “store number”, “sales office name”, “address”, “responsible person”, and “telephone” are provided. There is. In this system 100, the data of each business office is managed using the "store number" as a key.

The actual vehicle DB 11, which is the second DB, is for storing data relating to actual vehicle information of the sales offices, and, for example, lending of each vehicle transmitted from the terminal of each sales office as part of daily work. Store information.

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

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

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

The sales data for each customer of the accounting month is stored in the customer-specific sales table. For example, "management office", "accounting month", "customer number", "number of days", and "days". Items such as "Sales for the current month" are provided. The "number of days" is the number of rental days of the customer in the accounting month.
The “current month's sales” is calculated by multiplying this “number of days” by the “rental fee / day” read from the management DB 10, and becomes the amount charged to the customer.

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

FIG. 7 is a diagram showing the data structure of the vehicle-specific condition table of the insurance DB 13. The vehicle-specific condition table stores basic conditions for calculating the basic insurance premium for each vehicle number. For example, “vehicle number”, “main contract”, “special contract”, “vehicle type class (base ) ",
Items such as “Vehicle class (vehicle)”, “Use”, “Personal compensation”, “Objective compensation”, and “Disclaimer” are provided.
The basic insurance premium depends on the content of these items. For example, the larger the amount of "personal compensation", the larger the amount of basic insurance.

FIG. 18 is a diagram showing another data structure of the vehicle-specific condition table of the insurance DB 13, and is an example of the case where two or more types of basic insurance premiums are set. In addition, as the basic insurance premium in this embodiment,
A basic insurance premium for operation applied when the vehicle is operated and a basic insurance premium for non-operation applied when the vehicle is not operated are set. In FIG. 18, it can be seen that an item “basic insurance premium” is newly added as compared with the vehicle-specific condition table shown in FIG. 7. Also,
Looking at "personal compensation" for vehicle number S001, the basic insurance premium is "80,000,000" if it is "operating",
In the case of "non-operation", it is "10,000,000", and it can be seen that the basic data is set so that the basic insurance premium for operation is higher than the basic insurance premium for non-operation.

Data necessary for calculating a specific amount of basic insurance premium is stored in a basic insurance premium table (not shown). Further, in the case of a so-called fleet contract (a contract applied when owning a certain number of vehicles or more), the basic insurance premium is calculated in consideration of the data in the fleet contract condition table (not shown). For example, "total number",
Insurance premiums are discounted according to the contents such as "Last year loss ratio", "Insurance payment method" and "Insurance period". In addition, in the present system 100, the calculated basic insurance premium is corrected according to the actual vehicle status data (the number of operating days and the number of mileages).

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

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

Here, in the automobile insurance premium calculation system 100 according to the present embodiment, the operation of each of the above-mentioned means is defined in the processing device having a general structure including the control means, the input means, the storage means and the output means. It is supposed to be realized by software. The automobile insurance premium calculation system 100 according to the present invention can also be realized by a physically dedicated system.

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

In the data registration means 1, the actual vehicle management means 2, the sales management means 3 and the insurance management means 4, the above-mentioned control means reads the program defining these operations and performs various processes. In the description, each program itself performs various processes.

Further, in FIG. 1, in order to explain the outline of the automobile insurance premium calculation system 100 via a communication network such as the Internet, not only the system 100 for performing automobile insurance premium calculation processing but also the automobile Terminals (clients) 200 at sales offices that transmit data related to the actual vehicle status, terminals (clients) 300 at the head office that manage each sales office, terminals (clients) 4 at insurance companies.
00 and communication network 500 (including both wired and wireless) are illustrated for reference.

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

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

FIG. 9 is a flowchart showing the flow of the entire processing of the automobile insurance premium calculation system 100 according to this embodiment. As a premise, the predetermined data necessary for implementing the system 100 is transmitted from each business office 200 via a predetermined input screen and registered in the management DB 10 and the insurance DB 13 by the data registration means 1. To do. For example, the data of the automobile management table of FIG.
9 is data of the vehicle-specific condition table of FIG. 8.

First, when the actual vehicle management means 2 receives the actual vehicle information data transmitted from each business office (step S101), the received vehicle data is registered in the actual vehicle DB 10 (step S102). In addition, the transmission of the actual vehicle information data on the side of the sales office 200 is a work performed as a part of the daily work.

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

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

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

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

When the rental car with the vehicle number is rented, the person in charge of the business office inputs the customer number of the customer who rented the rental car and the number of miles traveled on that day in the field of the relevant date, Select the "Register data" button.

According to FIG. 11, the rental car having the vehicle number "S001" is rented by the customer "K01" from June 1 to June 6, and the rental car "K03" from June 16 to 18. It can be seen that the customer has rented, and the customer of "K05" rented from June 24th to 26th. Therefore, "S00 in June
It can be seen that the number of working days of "1" is 12 days. In addition, the total number of mileages of each customer can be obtained by totaling the number of mileages of each customer. In FIG. 11, the total number of mileages is “1,281 km”. When all the actual vehicle information data of the month is input, the actual vehicle management means 2 automatically calculates the total number of mileages and stores the “mileage” in the management DB 10.
To update. As a result, the current number of miles traveled for the rental car with the vehicle number is stored.

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

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

Calculation Formula: Monthly Sales = “Working Days” of the Month
× “Rental fee / day” FIG. 12 is a flowchart showing a flow of sales management means in the present system 100. The sales management means 3 receives the “sales calculation request” from the sales office 200 via a menu screen (not shown) (step S301). The sales management in the present system 100 is based on the vehicle number, and is configured to calculate, for example, “sales by month” and “sales by customer” of the vehicle number. Therefore, it is assumed that the “sales calculation request” includes, for example, the vehicle number of the rental car for which sales are calculated and the data regarding the month in which sales are recorded.

Next, the sales management means 3 determines whether or not the sales calculation request is "monthly processing" (step S30).
2) If it is determined to be "monthly processing", "monthly sales processing" of the vehicle number is performed.

That is, the sales management means 3 uses the actual vehicle DB1.
The "operating days" of this month is read from 1 and the "total days" of the operating days is calculated (step S304). Next, the sales management unit 3 reads the “rental fee / day” of the vehicle number from the management DB 10 and multiplies the calculated “total number of working days” by this to calculate the sales for the current month.

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

If the sales calculation request is determined to be "sales by customer" in step S302, the sales management means 3 determines "the number of working days by customer" of the current month from the actual vehicle DB 11.
Is read out and the "total number of days" of the number of operating days for each customer is calculated (step S307). Next, the sales management means 3 reads the “rental fee / day” of the vehicle number from the management DB 10 and multiplies the calculated “total number of days” of the operating days for each customer by the sales by customer for the current month. Is calculated (step S308).

FIG. 13 is a diagram showing an example of the sales management screen. The screen is a screen for displaying the sales result of the current month calculated by the sales management means 3 on the terminal 200 of the sales office. The screen is provided with a "monthly sales" column and a "customer sales" column. In “Monthly sales”, the number of working days for each month and the sales corresponding to the number of working days are displayed so that the sales transition for one year can be seen, and the corresponding accounting month column is colored. In the "sales by customer", the number of operating days for each customer and the sales corresponding thereto are displayed so that the sales by customer for the corresponding month can be seen.

According to FIG. 13, for the sales of the vehicle number "S001" in "June 2000", the number of operating days is "12 days", and as a result, the sales is "360,000 yen". Recognize. In addition, this sales is "K01""K
It can be seen that it is for the customers "03" and "K05".

(Basic Flow of Insurance Premium Calculation by Insurance Management Means) Next, the basic flow of insurance premium calculation by the insurance management means 4 will be described. In the present embodiment,
Two specific examples of the insurance premium calculation method using the operating status data will be described below, but the insurance premium calculation method according to the present invention is not limited to this.

In the first example of the insurance premium calculation method, first,
The "basic insurance premium" for automobile insurance is set based on the same conditions as before. Then, the “(actual) insurance premium paid” is calculated by modifying the basic insurance premium according to the “operating days” and “mileage” on a daily basis. In the present embodiment, the number of non-working days is calculated and used as an example of calculation of insurance premium calculation.
Therefore, "correction of basic insurance premium by working days" and "correction of basic insurance premium by non-working days" have substantially the same meaning.

On the other hand, in the second example of the insurance premium calculation method, "a plurality of basic insurance premiums" to be applied under different conditions are set, and the insurance premium paid is calculated based on the plurality of basic insurance premiums. I am trying. In the present embodiment, the operating basic insurance premium applied to the working day and the non-operating basic insurance premium applied to the non-operating day are set in advance, and by correcting each basic insurance premium, It was decided to calculate the insurance premium paid.

The method of calculating the insurance premium in the present invention is not limited to these, and even if data other than "working days" and "mileage" is used as long as it is data relating to the operating condition of the automobile, the insurance premium calculation method is used. This can be used as a reference. For example, it is possible to use operating hours, operating areas, operating hours, and the like.

The setting of a plurality of basic insurance premiums applied under different conditions is not limited to two types, one for operating and the other for non-operating, but it may be set more finely according to operating time. . (Basic Flow of Insurance Management Means 4 According to First Insurance Premium Calculation Method) First, a basic flow of the insurance management means 4 based on the first insurance premium calculation method will be described.

FIG. 14 is a flowchart showing the processing flow of the insurance management means 4 in the present system 100.
The insurance management means 4 uses the menu screen (not shown) to
The "insurance fee calculation request" is received from the business office 200 (step S401). In the present system 100, the insurance premium is calculated with the vehicle number as a unit. Therefore, the “insurance premium calculation request” includes, for example, the vehicle number for which the insurance premium is calculated and the data regarding the month for which the insurance premium is calculated. It is assumed that

Next, the insurance management means 4 reads the data of the vehicle number from the vehicle-specific condition table of the insurance DB 13 (step S402) and calculates the basic insurance premium (step S403). In this system 100, as an example,
Calculate the basic insurance premium for one year in advance, and set the basic insurance premium to 1
The monthly basic insurance premium will be calculated by dividing by February.

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

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

Further, the insurance management means 4 has the management DB 10
The number of mileages is read from the vehicle management table of No. 1 and the basic insurance premium corrected in step S404 is further corrected based on the read number (step S405).

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

(Detailed Flow of Calculation of Insurance Premium) Next, regarding the flow of correcting the basic insurance premium and calculating the insurance premium paid,
The details will be described.

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

(Correction of basic insurance premium by non-operating days: insurance premium A paid) First, the insurance management means 4 uses the insurance premium DB1.
The basic insurance premium of the corresponding vehicle number is read from 3 (step S501). Next, the number of working days of the previous month (“the number of days”) is read from the monthly sales table of the sales DB 12, and the number of non-working days of the previous month is calculated (step S502). Then, the correction amount based on the number of non-working days is calculated, and (step S
503), the payment amount for the current month is calculated by subtracting the modified amount from the basic insurance premium (step S50).
5).

Here, in the present embodiment, the basic insurance premium determined in advance minus the insurance premium for the number of non-working days is
It is supposed to be calculated as insurance premiums (= insurance premiums paid) actually used. However, when the insurance premium for the current month is paid on the first day of the current month, the number of working days of the relevant month may not be known yet. Therefore, in the present embodiment, as an example of calculating the insurance premium, the number of operating days of the previous month is adopted as the number of working days used for correcting the basic insurance premium.

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

Formula 1: "Number of days in previous month"-"Number of working days in previous month" = "Number of non-working days in previous month" Formula 2: "Basic insurance premium / 365 days" x "Number of non-working days in previous month" = "Current month" Formula 3: Calculation of "Basic insurance premiums / December"-"Modified amount of the current month" = "Payment amount A of the current month" (Correction of basic insurance amount according to the number of miles traveled: Insurance premium B) The insurance management means 4 reads the number of mileages of the corresponding vehicle number from the automobile management table of the management DB 10 (step S505). Then, the insurance management means 4 reads out the traveling distance count corresponding to the number of traveling distances from the traveling distance table of the insurance DB 13 (step S506).
The insurance management means 4 calculates the payment amount B for the current month according to the following calculation formula 4.

Calculation formula 4: “Payment amount A” × “mileage count” = “payment amount B” (correction of basic insurance premiums based on sales data) FIG. 16 illustrates correction of basic insurance premiums based on the number of working days. FIG. In the “Sales DB” column, the accounting month, the number of working days, and the sales of the current month are displayed in association with each other. In the column of "Modification of basic insurance premium by working days", the payment date, basic insurance premium (basic) of the current month, modified amount (correction) by operating days of the previous month, and insurance premium (payment) of the current month Are displayed in association with each other.

For example, the payment date is "May 1st". The correction amount for May is calculated based on the number of non-working days in April. Since the number of working days in April is "12 days",
The number of non-working days is "30-12 = 18 days". Next, the basic insurance premium per day is “150,000 ÷ 365 = 411 yen”, and the basic insurance premium per month is “12,500 yen”. When these values are applied to the above calculation formulas 1 to 3, they are as follows.

Formula 1: 30-12 = 18 days Formula 2: 411 × 18 = 7,400 yen (rounded up to 100 yen) Formula 3: 12,500-7,400 = 5,100 yen 5,100 yen "is calculated.

According to FIG. 16, since the basic insurance premium is corrected according to the number of working days of the previous month, it can be seen that if the number of working days of the previous month is small, the insurance premium paid may be small. For example, during the period from October 1999 to January 2000, the number of operating days per month is 5 days or less, and it is hardly rented. Therefore, from November 2 to 1999
The highest insurance premium actually paid in February of 2000
The price is 2,230 yen, the lowest is 170 yen.

Further, according to FIG. 16, the total amount of amendment due to the number of working days is "100,270 yen" against the basic insurance premium of "150,000 yen" for one year, and the actual total insurance premium paid is "49,730". It is a yen. That is, by calculating the insurance premium according to the actual vehicle status of the automobile, the rental car company can pay the insurance premium according to the actual situation and reduce the insurance payment cost for the rental car with few working days. It will be possible.

As for the insurance premium for which the payment month is "April 1st", since there is no data on the number of working days of the previous month, the insurance premium will be paid in full. However, on "April 1" of the following year, the basic insurance premium "0 yen" will be adjusted according to the number of working days for March, so the insurance premium paid will be "-6,160 yen" and will be refunded by the insurance company. become.

Although the basic insurance premium is corrected based on the number of working days in FIG. 16, the corrected basic insurance premium (insurance premium paid) may be further corrected by the traveling distance.

FIG. 17 is a diagram showing an example of the insurance premium payment screen. The screen is a screen for displaying the insurance premium paid calculated by the insurance management means 4 on the terminal 200 of the business office. On the screen, the corrected amount for each month and the actual insurance premium paid are displayed so that the trend of the insurance premium for each month can be seen. In addition, if you select "View details of insurance premium calculation", the calculation method that calculates the premium paid from the basic premium is
It is displayed on a screen not shown. As a result, sales office 20
The person in charge of 0 can confirm how the insurance premium paid for the current month was calculated. (Second insurance premium calculation method) Next, the basic flow of the insurance premium management means 4 based on the second insurance premium calculation method will be described.

FIG. 19 is a flow chart showing the main processing flow of the insurance management means 4 according to the second insurance premium calculation method. The insurance management means 4 receives the "insurance premium calculation request" from the business office 200 via a menu screen (not shown) (step S601). As described above, the “insurance premium calculation request” includes the vehicle number for which the insurance premium is calculated and the data regarding the month for which the insurance premium is calculated.

Next, the insurance management means 4 reads the data of the vehicle number from the vehicle-specific condition table of the insurance DB 13 (step S602) and calculates the operating basic insurance premium and the non-operating basic insurance premium respectively ( Step S60
3).

Specifically, referring to the vehicle-specific condition table of FIG. 18 (when a plurality of basic insurance premiums are set), the condition of the vehicle number "S001" includes the operating basic insurance premium and the non-operating basic insurance. Conditions for calculating insurance premiums are set respectively.

On the basis of these conditions, referring to a basic insurance table (not shown), the operating basic insurance premium for one year is calculated as "120,000 yen". On the other hand, similarly, referring to the basic insurance table (not shown), the non-operation basic insurance premium for one year is calculated as "60,000 yen".

Next, the insurance management means 4 calculates the total number of non-working days of the previous month from the monthly sales table of the sales DB 12, and based on this, the basic insurance premium for working and the non-working basic insurance premium calculated in step S603. The basic insurance premium is corrected and the insurance premium paid is calculated (step S604).

Further, the insurance management means 4 has the management DB 10
The number of traveled distances is read from the vehicle management table of No. 2 and the insurance premium calculated in step S604 is further corrected based on the read number (step S605).

The insurance management means 4 registers the insurance premium paid further corrected in step S605 in the insurance DB 13 as the insurance premium paid for the current month (step S606). Then, the insurance management means 4 transmits the registered insurance premium paid to the business office 200 and the insurance company 300 (step S).
607).

(Detailed Flow of Calculation of Insurance Payments Based on Second Insurance Premium Calculation Method) Next, details of the flow of calculating insurance payments from the operating basic insurance and non-operating basic insurance Explained.

FIG. 20 is a flow chart showing the detailed flow of calculation of the insurance premium by the insurance management means 4. Insurance D
In B13, the operating basic insurance premium and the non-operating basic insurance premium are calculated based on the data of the vehicle-specific condition table of FIG. 18 (when a plurality of basic insurance premiums are set).
It is assumed that the result is registered for each vehicle number.

First, the insurance management means 4 uses the insurance DB 13
The basic insurance premium for operation and the basic insurance premium for non-operation of the corresponding vehicle number are read respectively (step S70).
1). Next, the number of working days of the previous month (“the number of days”) is read from the monthly sales table of the sales DB 12, and the number of non-working days of the previous month is calculated (step S702). Then, the basic insurance premium for operation is corrected based on the number of operating days of the previous month, and the basic insurance premium for non-operation is corrected based on the number of non-operating days of the previous month, thereby calculating the payment amount for the current month (step S70).
5).

Specifically, the payment amount is calculated according to the following calculation formulas 11 to 14, for example.

Formula 11: "number of days in previous month"-"number of operating days in previous month" = "number of non-operating days in previous month" Formula 12: "basic insurance premium for operation / December" x "number of operating days in previous month / of previous month""Number of days" = "payment amount" Formula 13: "Basic non-working premium / December" x "number of non-working days of previous month / number of days of previous month" = "payment amount" Formula 14: "payment amount" + "payment" “Amount” = “Payment amount for the current month” Here, a specific description will be given using the actual vehicle status input screen of FIG. 11. According to the screen, since the working number of the vehicle number “S001” in “June 2000” is 12 days, the monthly sales table of the sales DB 12 shows “days = 1”.
2 ”is registered.

The basic insurance premium for operation is "120,000
JPY, basic non-operating insurance premium is JPY 60,000. When these values are applied to the above calculation formulas 11 to 14, they are as follows.

Formula 11: 30-12 = 18 days (number of non-working days) Formula 12: (120,000 / 12) x (12/30) = 4,000 yen (payment amount) Formula 13: (60,000 / 12) x (18/30) = 3,000 yen (payment amount) Formula 14: 4,000 + 3,000 = 7,000 yen (total payment amount) As a result, the payment amount in July 2000 is "7,000 yen"
Is calculated.

As described above, according to the second insurance premium calculation method, the amount of insurance paid is 10,000 yen (basic insurance premium for operation /
It is possible to reduce the price from MON) to 7,000 yen.

That is, when the basic insurance premium is commonly applied to working days and non-working days as in the conventional insurance premium calculation method, the non-working days are combined with the working days with a high accident rate. In addition, it is necessary to set a high compensation amount, and as a result, basic insurance premiums tend to be high.

However, in the second insurance premium calculation method according to the present invention, the basic insurance premium can be set separately for the working days and the non-working days. Therefore, it is not necessary to match the compensation amount on non-working days with the compensation amount on working days, and as a result, the basic insurance premium can be set for high working days and low non-working days. Therefore, it is possible to reduce the insurance premium paid for non-working days while ensuring the necessary compensation for working days.

The insurance premium paid calculated from the operating basic insurance premium and the non-operating basic insurance premium can be further corrected based on the traveling distance. This point is related to the first
The description is omitted because it is the same as the case of the insurance premium calculation method.

(Basic Insurance Premium Payment Method and Timing of Basic Insurance Correction) In the above embodiment, the basic insurance premium is corrected when the basic insurance premium for one year is divided in December (the insurance premium paid). However, the present invention is not limited to this. For example, the basic insurance premium may be paid in a lump sum payment or in installments.

For example, when the basic insurance premium payment method for one year (April to March of the following year) is a lump sum payment (April payment), the basic insurance premium is revised by non-working days. It may be done after the end of the period (April of the following year). In this case, the total amount of the correction amount during the contract period (April to March of the next year) will be refunded by the insurance company after the end of the contract period (April of the next year). Further, the basic insurance premium may be corrected by dividing it into a predetermined number of times. For example, when the predetermined number of times is "12", the modified amount of the basic insurance premium is calculated every month and the insurance company refunds the calculated amount.

When the basic insurance premium payment method for one year (April to March of the following year) is "four times payment", each payment month (April, July, October, 1 The basic insurance premium should be revised every month. That is, in this case, the rental car company pays the insurance premium calculated for each payment month to the insurance company.

(Regarding Reservation Acceptance Function) The actual vehicle management means 2 may have a reservation acceptance function for accepting a reservation from the user. Actual vehicle management means 2 is sales office 2
When the reservation information is received from 00, the received reservation information is registered in the reservation information table (not shown) included in the actual vehicle DB 11. The reservation information includes, for example, data such as "management office", "vehicle number", "date", "customer number".

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

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

(Regarding the billing function for the customer)
Furthermore, in the present system 100, when the business office 200 requests a customer to make a bill, the sales management means 3 can make a bill. That is, the sales data calculated by the sales management means 3 in the sales process for each customer becomes the billing data as it is. Therefore,
The sales management means 3 which has received the bill preparation request prepares a bill for the customer according to a predetermined bill form,
This is transmitted to the sales office 200. If the sales office sends this invoice to each customer as it is, the labor for issuing the invoice can be omitted.

(Regarding Operation Information Data) In this embodiment, the operation information data, which is the reference for calculating the insurance premium, is linked with the sales data used by the sales management means 3. However, the present invention may receive only the predetermined operation information data from the outside and correct the basic insurance premium based on this. This gives, for example,
Even if the rental car company or the like uses the existing company system, the system 100 can be used by transmitting the predetermined operation information data.

[0133]

According to the present invention, since the operating condition data of the automobile is adopted as a new standard for calculating the insurance premium, the insurance premium can be calculated according to the usage condition of the automobile. Therefore, the owner of the automobile can reduce the cost of paying the insurance premium for the automobile that is rarely used. Furthermore, by providing a new standard for calculating insurance premiums, automobile insurance products will be diversified, and the range of selection of products by users will be further expanded.

[Brief description of drawings]

FIG. 1 is a functional representation of the configuration of an automobile insurance premium calculation system according to the present embodiment.

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

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

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

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

FIG. 6 is a diagram showing a data structure of a monthly sales table and a customer sales table in the sales DB 12, respectively.

FIG. 7 is a diagram showing a data structure of a vehicle-specific condition table included in the insurance DB 13.

FIG. 8 is a diagram showing a data structure of a mileage table included in an insurance DB 13.

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

FIG. 10 is a flowchart showing a flow of the actual vehicle management means 2.

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

FIG. 12 is a flowchart showing a flow of sales management means 3.

FIG. 13 is a diagram illustrating an example of a sales management screen 3.

FIG. 14 is a flowchart showing a processing flow of insurance premium management means 4.

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

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

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

FIG. 18 is a diagram showing a data structure of a vehicle-specific condition table (when there are a plurality of basic insurance premiums) of the insurance DB 13.

FIG. 19 is a flowchart showing a processing flow of the insurance management means 4 according to the second insurance premium calculation method.

FIG. 20 is a flowchart showing a detailed flow of insurance premium calculation by the insurance management means 4 according to the second insurance premium calculation method.

[Explanation of symbols]

1 ... Data registration means 2 ... Actual vehicle management means 3 ... Sales management means 4 ... Insurance management means 10 ... Management DB 11 ... Actual vehicle DB 12 ... Sales DB 13 ... Insurance DB 100 ... Car management and insurance system (server) 200 ... Sales offices A and B (clients) 300 ... Head office (client) 400 ... Insurance company (client) 500 ... communication network

Claims (8)

[Claims] 1. An automobile insurance premium for calculating the insurance premium paid for the automobile based on basic data set in advance for calculating the automobile basic insurance premium and operating condition data representing the operating condition of the automobile. A calculating means, wherein the basic data comprises at least first basic data for calculating a first basic insurance premium and second basic data for calculating a second basic insurance premium. Car insurance premium calculation system. 2. The first basic insurance premium is an operating basic insurance premium applied when the vehicle is operated, and the second basic insurance premium is applied when the vehicle is not operated. Non-operating basic insurance applied, wherein the vehicle insurance premium calculating means calculates the operating basic insurance from the first basic data, and the non-operating basic insurance from the second basic data. A basic insurance premium calculating means for calculating a premium, a basic insurance premium for operation and the basic insurance premium for non-operation calculated by the basic insurance premium calculating means, and an insurance payment to be calculated based on the operation status data. The automobile insurance premium calculation system according to claim 1, further comprising: an insurance premium calculation means. 3. The insurance premium calculation means calculates an operating rate and a non-operating rate of the vehicle within a certain period from the operating status data, and multiplies the operating rate of the vehicle by the operating basic insurance premium. The non-operational insurance premiums are calculated by multiplying the non-operational rate of the vehicle by the non-operational basic insurance premiums, and the non-operational insurance premiums are calculated. The automobile insurance premium calculation system according to claim 2, wherein the insurance premium paid is calculated by summing the insurance premium paid. 4. The operating rate of the vehicle is a ratio of the number of days that the vehicle has been operating in the certain period, and the non-operating rate of the vehicle is the number of days that the vehicle has not been operating in the certain period. The automobile insurance premium calculation system according to claim 3, wherein 5. The first basic data and the second basic data are set such that the operating basic insurance premium is higher than the non-operating basic insurance premium. The automobile insurance premium calculation system according to item 2. 6. The insurance payment calculation means calculates the number of mileages of the automobile from the operation status data, and multiplies the insurance premiums by a mileage coefficient corresponding to the number of mileages. The automobile insurance premium calculation system according to claim 2 or 3, wherein a premium is calculated. 7. An operation for inputting, to a computer, storage means for storing basic data which is a first calculation standard of automobile insurance premiums, and operation status data of the automobile which is a second calculation criterion of automobile insurance premiums. Situation data inputting means, basic insurance premium calculating means for calculating a first basic insurance premium and a second basic insurance premium based on the basic data, the first basic insurance calculated by the basic insurance premium calculating means An automobile insurance premium calculation program for functioning as an insurance premium calculation means for calculating an insurance premium based on an insurance premium, the second basic insurance premium, and the operation status data input by the operation status data input means. . 8. A step of storing basic data, which is a first calculation standard of an automobile insurance premium, a step of receiving input of operation status data of the vehicle, which is a second calculation standard of the automobile insurance premium, Calculating a first basic insurance premium and a second basic insurance premium based on basic data, the calculated first basic insurance premium and the second basic insurance premium, and the accepted operation A method of calculating an automobile insurance premium, comprising: calculating an insurance premium paid based on situation data.