JP2003187081A - Insurance reserve fund control method, paid premium evaluating method, contract content change control method, insurance control system and program for realizing insurance control function by computer - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance control system for controlling insurance capable of coping with the needs caused by an environmental change in a contractor. <P>SOLUTION: A reserve fund control part 200 controls a main contract reserve fund, and has the function for calculating a reserve fund amount used for executing the respective functions in a main processing part 30. A special premium control part 300 has the function for controlling a special premium paid from a reserve fund of a main contract. A paid premium control part 400 has the function for controlling a premium paid from the contractor. A drawing-out money control part 500 has the function for controlling drawing-out money partially drawn out of the reserve found of the main contract. A guarantee adjusting part 600 has the function for adjusting a transfer amount at contract content changing time. A fund using part 700 has the function for determining the guaranteeing content of a second insurance period newly started after expiring a payment period on the basis of the reserve fund existing at premium paying period expiring time. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to a technique for managing insurance. In particular, the present invention is a method for managing insurance reserves, paying insurance premiums, changing contract contents,
The present invention relates to an insurance management system and a program for realizing such an insurance management function on a computer.

[0002]

2. Description of the Related Art We who live in modern society are exposed to various risks. In order to live in peace, we must prepare our own defense measures against risks. In the unlikely event that an accident does occur, it is desirable, at least economically, to lead a stable life, even if it is not possible to relieve the emotional pain. As one of the defense measures against risk, life insurance provides us with peace of mind in the future. It is no exaggeration to say that the best way for us is to use life insurance, especially in the unlikely event that the funds are not ready for savings.

[0003] The life insurance person insured changes the weight of responsibility for the family in accordance with changes in the family environment such as marriage, birth of a child, independence, etc., and the necessary insurance content of the life insurance changes accordingly. To go. In addition, the insurance premium that can be paid by the policyholder will also be determined according to changes in the family environment of the insured, age, income, and work environment. For example, when a child is married and a child is born, a large amount of security is required to prepare for an unexpected situation in the future, but in reality, living expenses for children up to adulthood, education expenses, etc. are also required.
It can be imagined that it will be difficult to bear an insurance premium commensurate with the required amount of coverage. Therefore, it is preferable to pay more insurance premiums compared to the coverage when there is financial margin such as when you are single, and to improve the coverage after marriage and the birth of a child so that you can review the paid insurance premiums. .

[0004]

As described above, life insurance plays an important role in our life planning. However, conventional life insurance does not sufficiently meet the needs of policyholders due to changes in their living environment. It wasn't clean. For example, in the case of conventional life insurance, it is not easy to retroactively review the insurance content defined at the time of the contract and the premiums paid based on the insurance content, and a new life insurance contract will be concluded by conversion. If the content of the insurance is reviewed in accordance with the above, the insurance premium paid will also increase in accordance with the increase in the insurance, and the financial burden on the contractor will increase. In addition, when considering to join the conventional whole life insurance as an insured, the contractor needs to decide the amount of guarantee after the age of 60 at the time of contract. A year ahead is a completely unknown world that I can't imagine, and there was the problem that it was not easy to conclude a contract that was suitable for my future situation at the time of contract.

Therefore, an object of the present invention is to provide a method, system, and program for managing insurance that can flexibly meet the needs of policyholders in response to changes in the environment, and a program for causing a computer to realize the function of managing the insurance. . These objects are achieved by a combination of features described in independent claims of the invention. The dependent claims define further advantageous specific examples of the present invention.

[0006]

A mode of the present invention for achieving the above object will be described below. It should be noted that in the description of each mode, some members have ordinal numbers such as the first and second numbers added to the head, but these ordinal numbers are added for the purpose of indicating the order of the members in one mode of the present invention. Yes, and does not contribute to the order of members in other configurations.

In order to achieve the above object, the first aspect of the present invention
The insurance reserve fund management method according to the above-mentioned form is a step of receiving a receipt electronic message regarding payment from an insurance policyholder, and the payment is a single payment among multiple payments depending on the classification of the payment electronic statement, or The method includes a step of determining whether the payment is made by deposit, a step of reading out the reserve information of the insurance contract stored in the storage unit, and calculating a reserve amount based on the reserve information and the amount of money by the deposit electronic statement.

[0008] When the payment is a single payment of a plurality of secondary payments, a step of comparing the calculated reserve amount with an insurance premium to be paid for a predetermined insurance contracted by the policyholder. When the reserve amount is equal to or more than the amount of the insurance premium to be paid, the step of paying the insurance premium from the reserve amount and writing the amount related to the insurance premium in the storage unit as reserve information, When the payment is a one-time payment, the calculated reserve amount and the premium paid by one payment among multiple payments exceeds the predetermined maximum amount at the specified time during the premium payment period. The step of evaluating whether or not the condition relating to the maximum paid insurance premium set so as not to be satisfied is satisfied, and when the calculated reserve amount and paid insurance premium satisfy the condition, the amount related to the temporary deposit is calculated. , As funded information And a step of writing to the storage unit. According to this insurance reserve fund management method, it is possible to appropriately manage the insurance reserve fund according to the type of payment method of the contractor.

Here, the amount related to the insurance premium includes the amount of the insurance premium for a predetermined insurance, or the amount obtained by subtracting the amount of the insurance premium from the calculated reserve amount, and
The amount related to the temporary deposit may include the temporary deposit paid by the temporary deposit or the calculated reserve amount.

The insurance management system according to the second aspect of the present invention comprises a storage unit for storing reserve information of an insurance contract, a reception unit for receiving a deposit electronic message regarding payment from an insurance policyholder, and a classification of the deposit electronic message. , A deposit discriminating unit that discriminates whether the payment is a single payment of a plurality of secondary payments or a temporary deposit payment, and calculates a deposit amount based on the deposit information and the amount by the deposit electronic statement. The reserve fund calculation unit, and when the payment is one payment among multiple payments,
A comparison section that compares the calculated reserve amount with the insurance premium payable for the prescribed insurance contracted by the policyholder,
When this reserve amount is equal to or more than the amount of insurance premiums to be paid, an insurance premium payment section that pays this insurance premium from the reserve amount,
A writing unit that writes the amount of money related to this insurance premium to the storage unit as reserve information, and, if the payment is a temporary payment, a payment made by one payment of the calculated reserve amount and multiple payments. And an evaluation unit that evaluates whether or not the insurance premium satisfies the condition regarding the maximum paid insurance premium set so that the reserve amount at a predetermined time during the premium payment period does not exceed the predetermined upper limit amount. The writing unit writes the amount related to the temporary deposit into the storage unit as reserve information when the calculated reserve amount and paid-in insurance premium satisfy the conditions.

Here, the amount related to the insurance premium includes the amount of the insurance premium for a predetermined insurance, or the amount obtained by subtracting the amount of the insurance premium from the calculated reserve amount, and
The amount related to the temporary deposit may include the temporary deposit paid by the temporary deposit or the calculated reserve amount. According to this insurance management system, it is possible to appropriately manage the insurance reserve fund according to the type of payment method of the contractor.

Further, the storage unit stores the amount of money to be added to the reserve fund of the insurance contract as reserve information for the increase,
The amount to be subtracted from the reserve is stored as reserve information for the reduced amount, and when the insurance premium is paid by the insurance premium paying unit, the writing unit uses the insurance premium to be paid as the reserve information for the reduced benefit. It may be written in the storage unit. Further, when the evaluation unit evaluates that the calculated reserve amount and paid-in insurance premium satisfy the condition regarding the maximum paid-in premium, the writing unit uses the temporary input amount as reserve information for the increased amount. It may be written in the storage unit. The reserve fund calculation unit uses the reserve information such as the temporary deposit and the special insurance premium paid as the data for the increase or the decrease for the reserve, so that the reserve calculation unit can increase the increase amount stored in the storage unit. It is possible to calculate the reserve amount at any time using the reserve information for the amount and the reduction amount.

A program according to the third aspect of the present invention is
It is determined whether the payment is a one-time payment or a temporary deposit payment among multiple payments according to the function of the computer to receive a payment telegram regarding payment from the insurance policyholder and the classification of the payment telegram. A function, a function of reading out the insurance contract reserve information stored in the storage unit, and calculating a reserve amount based on the reserve information and the amount of money by the deposit message, and the payment is one of a plurality of secondary payments. In the case of single payment, the function to compare the calculated reserve amount with the insurance premium payable for the prescribed insurance contracted by the policyholder, and if this reserve amount is equal to or more than the premium payable In addition, there is a function of paying this insurance premium from the reserve amount and writing the amount of money related to this insurance premium in the storage unit as reserve information, and calculating the reserve amount and multiple orders when the payment is a temporary payment. Whether the premium paid by one payment out of the above satisfies the conditions concerning the maximum premium paid so that the reserve amount does not exceed the predetermined maximum amount at the predetermined time during the premium payment period. It realizes a function of evaluating whether or not, and a function of writing an amount related to a temporary deposit into the storage unit as reserve information when the reserve amount and the paid-in insurance premium satisfy the conditions.

Here, the amount related to the insurance premium includes the amount of the insurance premium for a predetermined insurance, or the amount obtained by subtracting the amount of the insurance premium from the calculated reserve amount, and
The amount related to the temporary deposit may include the temporary deposit paid by the temporary deposit or the calculated reserve amount. According to this program, it is possible to allow the computer to appropriately manage the insurance reserve fund according to the type of payment method of the contractor.

In the paid-in insurance premium evaluation method according to the fourth aspect of the present invention, the step of reading the reserve information of the insurance contract stored in the first storage unit and the reserve amount are calculated based on the reserve information. The process, the process of calculating the minimum premium to be paid based on the contents of the main contract and special contract of the insurance contracted by the policyholder, and the reserve amount, and the reserve amount at a specified time during the premium payment period. To calculate the maximum paid premium so that the amount does not exceed a predetermined first amount, and the premium paid by the policyholder is within the range where the minimum paid premium is the lower limit and the maximum paid premium is the upper limit. And the step of notifying the information indicating that the paid insurance premium is not included in the range.

In the conventional insurance, it was not easy to change the premium paid at the time of contract,
According to this paid insurance premium evaluation method, the paid insurance premiums by the contractor can be appropriately managed, and if the paid insurance premiums that the contractor desires to change are not within the prescribed range, the paid premiums are not appropriate. By notifying that, it becomes possible to instruct to change the paid-in insurance premium again. Further, particularly in the case of an insurance product that pays a premium insurance premium from the reserve fund of the main contract, if the reserve fund of the main contract is sufficiently accumulated, the paid-in insurance premium can be set regardless of the premium insurance premium. However, due to the withdrawal of the main contract reserve fund, it is possible that the paid premium will not be appropriate in the future. You can also determine if it is.

In the step of calculating the minimum paid insurance premium, it is preferable to calculate the minimum paid insurance premium so that the reserve amount at the expiration of the insurance premium payment period does not fall below the predetermined second amount.
If the insurance contracted by the policyholder includes a main contract and a renewal-type special contract and a basic reserve amount for maintaining the main contract is set, the step of calculating the minimum paid insurance premium is From the reserve amount, the difference reserve fund that is obtained by subtracting the value obtained by multiplying the basic reserve amount by the number of times the insurance premium has been paid, and the process of comparing the value obtained by multiplying the insurance premium of the renewal type contract with the remaining number of payments, and the comparison result. Accordingly, the method may include a step of selecting and reading out a calculation formula stored in the second storage unit, and a step of calculating the minimum paid insurance premium using the read calculation formula.

In the step of calculating the maximum paid insurance premium, it is preferable to obtain the maximum paid insurance premium so that the reserve amount does not exceed the predetermined first amount when the insurance premium pay period expires.

An insurance management system according to a fifth aspect of the present invention is such that a first storage unit for storing fund information of an insurance contract, a fund information reading unit for reading the fund information, and a bank fund based on the fund information. A reserve fund calculation unit that calculates the amount of money, a minimum paid insurance premium calculation unit that calculates the minimum paid insurance premium based on the contents of the main contract and special contract of the insurance contracted by the policyholder and the reserve amount, and insurance The maximum paid insurance premium calculation unit that calculates the maximum paid insurance premium so that the reserve amount at a predetermined time during the premium payment period does not exceed the predetermined first amount, and the insurance premium paid by the policyholder is the minimum payment. An evaluation unit that evaluates whether or not the insurance premium exists within a range in which the insurance premium is the lower limit and the maximum paid insurance premium is the upper limit. According to this insurance management system, it is possible to appropriately manage the paid insurance premium by evaluating whether or not the paid insurance premium by the contractor is an appropriate amount.

It is preferable that the minimum paid insurance premium calculation unit calculates the minimum paid insurance premium so that the reserve amount at the expiration of the insurance premium payment period does not fall below a predetermined second amount. This is the case when the insurance contracted by the policyholder includes a main contract and a renewal contract, and the basic reserve amount for maintaining the main contract is set. A second storage unit that stores a plurality of calculation formulas for calculating is further provided, and the minimum paid-in premium calculation unit is a difference reserve fund that is obtained by subtracting a value obtained by multiplying the basic reserve amount and the number of premium payments from the reserve amount. A first comparing unit that compares the renewal insurance premium with a value obtained by multiplying the remaining number of payments, and a calculation formula stored in the second storage unit that is selected and read according to the comparison result. It may include a one-calculation-formula reading unit and a first calculation unit that calculates the minimum paid insurance premium using the read-out calculation formula.

The maximum paid-in insurance amount calculation unit may have a second calculation unit that obtains the maximum paid-in insurance amount so that the reserve amount does not exceed the predetermined first amount when the premium paid period expires.

The reserve information includes balance information of reserves and change information regarding reserves generated after the calculation of the balance information. The insurance management system provides the balance information and the change information at a predetermined time. And a writing unit for updating the balance information and writing the balance information in the first storage unit. By managing the reserve fund together with the change information as the balance information in a predetermined period, the reserve money calculation process at any time can be facilitated.

Further, the insurance management system may be provided with a guarantee content determination section for determining the guarantee content thereafter, based on the reserve amount at the time when the insurance premium payment period expires. Furthermore, the insurance management system provides a main contract, a renewal type special contract and an all-year type special contract as the contents of the insurance contract, and when the basic reserve amount for maintaining the main contract is set, Amount, renewal-type special insurance premium and full-term special insurance premium, and the second comparison section that compares the first combined amount with the insurance premium paid by the policyholder, and the first combined amount is greater than the paid premium. If it is high, the 3rd comparison part that compares the 2nd combined amount of the basic reserve amount and the total term special insurance premiums with the paid-in premium, and the formula for calculating the withdrawal limit amount from the reserve amount And a second storage unit that stores a plurality of stored data and a second calculation formula reading unit that selects and reads the calculation formula stored in the fourth storage unit based on the comparison result by the third comparison unit. Calculate the maximum withdrawal amount from the reserve amount using Calculation unit may include a. When the insurance contracted by the policyholder does not include the full-term special contract, the second comparison unit and the third comparison unit set the full-term special insurance premium to zero and perform the comparison process. It is preferable to carry out.

A program according to the sixth aspect of the present invention is
Based on the function of reading out the fund information of the insurance contract stored in the first storage unit to the computer and the contents of the main contract and the special contract of the insurance contracted by the policyholder and the fund information, the minimum paid insurance premium And a function to calculate the maximum premium paid so that the reserve amount does not exceed the specified amount at a specified time during the premium payment period, and the insurance premium paid by the policyholder is A function to evaluate whether or not the premium is the lower limit and the maximum paid premium is the upper limit, and a function to notify the information indicating that the premium is not included in the range. To realize. According to this program, it is possible to make the computer evaluate whether or not the insurance premium paid by the contractor is an appropriate amount, and realize the function of appropriately managing the insurance premium paid.

The insurance contract content change management method according to the seventh aspect of the present invention comprises a step of judging whether or not the contract content modification time corresponds to the application time which serves as a reference for contract content modification. 1 The process of calculating the first reserve amount for the contract before the change at the time of change based on the special benefit reserve information of the insurance contract stored in the storage unit, and the insurance contract when the change time does not correspond to the applicable time Under the assumption that was transferred to the contract content after the change at the time of the immediately preceding application period, the process of calculating the tentative second reserve amount for the contract after the change at the time of the change, and the first reserve amount Calculating a transfer amount to be added to or subtracted from the main contract reserve amount based on the second reserve amount, and storing the amount related to this transfer amount as main contract reserve information in the second storage unit. Changing the contract content includes not only the case where a part of the covenant is canceled and the security content is reviewed, but also the case where the contracted covenant is converted into another covenant. This includes cases in which the insured person changes the insurance coverage or changes in paid insurance premiums due to environmental changes such as smoking. According to this contract content change management method, the transfer amount associated with the contract content modification by the policyholder is adjusted to the reserve fund of the main contract and absorbed, so that the policyholder pays the fee to the insurer in cash at the time of modification. This eliminates the need for the insurance company and the insurer does not have to pay the contractor withdrawal refund in cash, which simplifies the procedure between the two parties when the contract content is changed.

The step of calculating the transfer amount includes the step of comparing the special insurance premium before the change and the special insurance premium after the change, and subtracting the cancellation fee from the first reserve amount to obtain the cancellation refund. When the calculation process and the special insurance premium after the change are lower than the special insurance premium before the change, the cancellation fee is multiplied by the ratio of the special insurance premium after the change and the special insurance premium before the change, and the additional amount May be included, and the step of calculating the transfer amount based on the surrender value and the additional amount. Further, the contract content change management method includes a step of calculating the minimum paid-in premium using the reserve information stored in the second storage unit and the special insurance premium according to the contract content after the change, A step of evaluating the paid-in insurance premium by the policyholder may be provided with the paid-in insurance premium as a lower limit condition.

The insurance management system according to the eighth aspect of the present invention manages the modification of the insurance contract content, and whether the modification time of the contract content corresponds to the application time which is the basis of the modification of the contract content. Based on the special reserve information stored in the first storage unit and the first determination unit that stores the special reserve information of the insurance contract, the timing determination unit that determines whether or not the contract before the change at the change time After calculating the first reserve amount, and assuming that the insurance contract has changed to the changed contract contents at the time of the immediately preceding applying period when the changing time does not correspond to the applicable period, Based on the first reserve amount and the second reserve amount, the reserve contract calculation unit for calculating the provisional second reserve amount for the contract, the second storage unit for storing the main contract reserve information of the insurance contract, and the main contract based on the first reserve amount and the second reserve amount. The transfer amount that should be adjusted to the reserve fund Comprising a transfer amount calculation unit for output, and a writing unit that writes to the second storage unit amounts related to the transfer amount as the primary contract reserve information. Changing the contract content includes not only the case where a part of the covenant is canceled and the security content is reviewed, but also the case where the contracted covenant is converted into another covenant. This includes cases in which the insured person changes the insurance coverage or changes in paid insurance premiums due to environmental changes such as smoking. According to this insurance management system, it is possible to simplify the procedure between the policyholder and the insurer by adding and subtracting the transfer amount due to the change of the contract content to the reserve fund of the main contract.

The transfer amount calculation unit calculates a cancellation refund by subtracting a cancellation fee from the first reserve amount and a comparison unit that compares the special insurance premium before the change and the special insurance premium after the change. Cancellation refund calculation department, and when the special insurance premium after the change is lower than the special insurance premium before the change, the cancellation fee is multiplied by the ratio of the special insurance premium after the change and the special insurance premium before the change. The transfer amount may be calculated based on the surrender value and the additional amount, including an additional amount calculation unit that calculates the additional amount.

Further, this insurance management system calculates the minimum paid insurance premium by calculating the minimum paid insurance premium using the reserve information stored in the second storage unit and the special insurance premium according to the changed contract content. The department and the evaluation part which evaluates the premium paid by the policyholder may be provided with the minimum premium paid as the lower limit condition.

Further, the second storage unit stores the amount of money to be added to the main contract reserve fund as reserve information for the increased amount,
The amount to be subtracted from the main contract reserve is stored as reserve information for the reduced amount, and the writing unit determines whether the transfer money should be added to or subtracted from the main contract reserve.
It is preferable that the transfer amount is written in the second storage unit as main contract reserve information for the increase or decrease. By having the main contract reserve information as data for the amount of increase or decrease with respect to the main contract reserve, the reserve calculation unit can easily calculate the main contract reserve at any time. In addition, even if a situation such as cancellation of changes in contract content occurs, this insurance management system
It is possible to restore the state before the contract content is changed by using the stored fund information data.

A program according to the ninth aspect of the present invention is
Based on the function of determining whether or not the modification time of the insurance contract content corresponds to the application time, which is the basis for the modification of the contract content, and the special contract reserve information of the insurance policy stored in the first storage unit. , The function to calculate the first reserve amount for the contract before the change at the time of the change, and that the insurance contract has changed to the changed contract contents at the time of the immediately preceding apply period when the change time does not correspond to the applicable period Based on the assumption of, the function to calculate the provisional second reserve amount for the contract after the change at the time of the change and the reserve amount for the main contract are added or subtracted based on the first reserve amount and the second reserve amount. The function of calculating the transfer amount to be transferred and storing the amount related to this transfer amount as reserve information in the second storage unit is realized. This program simplifies the procedures between policyholders and insurers by allowing the computer to perform the function of adjusting and absorbing the transfer amount due to the change of contract content by the policyholder to the reserve fund of the main contract. It becomes possible to do.

The above summary of the invention does not enumerate all the necessary features of the present invention, and a combination of these features can also be an invention. Further, the expression of the present invention converted between the device, the method, the system, and the computer program is also effective as an aspect of the present invention.

[0033]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the scope of claims and are described in the embodiments. Not all of the combinations of features described above are essential for the solution of the invention.

FIG. 1 is an explanatory diagram for explaining an example of an insurance product managed by the insurance management system according to the embodiment of the present invention. This insurance product is characterized by collectively managing premiums paid and lump-sum payments paid by policyholders as well as insurance benefits, benefits and dividends of other insurance contracts as reserves for the main contract. I am sorry. The reserve fund of the main contract realizes the saving function in this insurance product, and the reserve fund accumulated by the expiration of the insurance premium payment period is used as a special insurance premium thereafter and the whole life insurance in the second insurance period. It will be the source of funds for pension insurance and pension insurance. In the example of FIG. 1, special contract A and special contract B are added to this main contract, and these insurance premiums are paid from the reserve fund. Contract C
May be an insurance contract other than the special contract for the main contract,
With this insurance product, it is possible to pay the premiums for other insurance contracts from the main contract reserve fund only if the policyholders are the same. For simplicity of explanation, since the contract C is the same as the special contract of the main contract in that the insurance premium is paid from the reserve fund of the main contract, the special contract of the main contract and the contract C are not particularly distinguished. The term "special contract" is used. In the case of conventional insurance, it is not clear to policyholders how much of the paid premium is used as a security, and how much is saved in the savings part, but according to this insurance product, The reserve fund of the main contract corresponds to the savings portion, and this reserve amount is regularly presented to the policyholders, so the transparency of the reserve fund of the main contract is high, and the policyholder can use this insurance with peace of mind. can do.

Further, according to this insurance product, it is possible for the insurance policyholder to withdraw a part of the reserve fund as needed. This reserve fund withdrawal function is realized because the reserve fund of the main contract has a saving function. Furthermore, with conventional insurance, it was not easy to change the contract contents afterwards, but this insurance product eliminates the transfer of cash by accepting transfer funds etc. generated at the time of contract change as reserve fund, It is possible to realize a flexible contract content adjustment function to reduce the procedure burden on the contractor. It is also possible to manage points determined based on the insurance contract status and payment status by the policyholder, and give back to the policyholder at a predetermined time. This return may be transferred as cash to the insurance contractor's bank account, etc., but it is retained in the form of data as reserve information, which is an element for calculating the reserve for the main contract, and is incorporated into the reserve for the main contract. May be. When the first insurance period ends, the second insurance period starts with new insurance contents such as life insurance and annuity insurance for this insurance product. At that time, as mentioned above, the reserve fund at the expiration of the insurance premium payment period is
It will be the source of security for the second insurance period.

FIG. 2 is a diagram showing an example of the guarantee contents of the insurance product described in FIG. In the lower reserve part, the horizontal axis shows the passage of time based on the contract time,
The vertical axis indicates the amount of the reserve amount in the first insurance period and the amount of the guarantee amount in the second insurance period. Further, in the special portion in the upper row, the horizontal axis indicates the passage of time from the time of contract, and the vertical axis indicates the amount of the guarantee amount according to the special guarantee content of the first insurance period. The thick solid line shows the changes in the amount of insurance that policyholders actually need.

In this example, the insurance policyholder reviews the contract details six times according to changes in the living environment during the insurance premium payment period (first insurance period). This contractor
After getting a job, I signed an insurance contract, and increased the amount of insurance as the living environment changed drastically and the family's responsibility became heavier. There is. As the child grows up and becomes independent, the policyholders are reducing the amount of security they need, as the amount of security they need is reduced. With regard to medical insurance, the policyholder has increased due to the birth of his first child. In this example,
The case where death protection and medical protection are added is shown, but it is possible to add another special covenant.

With regard to the paid-in insurance premiums to be paid regularly, the expenses are high during the growth period of the child, so the reserve fund of the main contract is cut down and kept low. Because of the extra room, the policyholder will increase the reserve to cover retirement. Unlike conventional insurance products, this insurance product allows not only to increase the paid-in premium but also to reduce it even if the coverage is increased. With reference to the reserve part, this policyholder
The fund is increased before the marriage and a part of the fund is withdrawn at the time of marriage. After the marriage, we will reduce the reserve for the main contract a little more than before the marriage and increase the death protection, and after the birth of the first child, increase the medical protection and the death protection to cover the insufficient insurance premiums. I'll take it down. for that reason,
As shown in the figure, the reserve fund has decreased until the child became independent after the birth of the first child. After the independence of the child, the death protection is reduced and the reserve fund is increased accordingly, and the reserve fund is increased by throwing a lump sum payment when there is more room. In addition, in this example, the insurance type of the second insurance period is lifetime insurance, but it may be pension insurance, term insurance, long-term care insurance, medical insurance, endowment insurance, or a combination thereof. Good. If the funds that are collected due to the marriage of children are needed, a part of the fund can be withdrawn.

As described above, this insurance can provide flexibility in insurance premium payment, transparency in reserve fund, and flexibility in changing contract content. Below,
An insurance management system that efficiently manages such insurance and realizes the savings function and the coverage adjustment function of this insurance will be described. Note that the insurance management system in this embodiment is not limited to the above-mentioned insurance management,
It goes without saying that it is possible to manage other guarantee contents and / or additional services.

FIG. 3 is a block diagram of the insurance management system 100 according to the embodiment of the present invention. The insurance management system 100 is realized by a CPU, a memory, a program loaded in the memory, etc. of an arbitrary computer in terms of hardware components. Here, a functional block realized by the cooperation thereof is drawn. . Therefore, it is easily understood by those skilled in the art that these functional blocks can be realized in various forms by only hardware, only software, or a combination thereof.

The insurance management system 100 includes an input / output unit 1
0, a deposit processing unit 20, a main processing unit 30, a storage unit 40, and a reserve fund management unit 200. The input / output unit 10 has a function of accepting a payment electronic statement regarding payment from an insurance policyholder, a request for changing the contract content, a function of presenting information regarding insurance such as a reserve fund balance, and the like. The input / output unit 10 also has a function of supplying a trigger for operating the individual components such as the reserve fund management unit 200 and the main processing unit 30 at a predetermined time. The deposit processing unit 20 includes the input / output unit 10
It has a function to process the deposit electronic message received in.

The main processing unit 30 is a special insurance premium management unit 30.
0, a paid-in insurance premium management unit 400, a withdrawal management unit 500, a security adjustment unit 600, a fund use unit 700, and a point management unit 800, and executes various processes regarding policyholder insurance. Briefly, the special insurance premium management unit 300 has a function of managing special insurance premiums paid from the reserve fund of the main contract, and the paid-in premium management unit 400 manages insurance premiums paid by the policyholder. Withdrawal management section 500
Has a function of managing withdrawals partially withdrawn from the reserve fund of the main contract. Further, the guarantee adjustment unit 600 has a function of adjusting the transfer amount when the contract content is changed,
The fund use unit 700 has a function of determining the guarantee content of the second insurance period which is newly started after the payment period expires, based on the reserve fund existing at the expiration of the insurance premium payment period. The point management unit 800 manages points to be returned to the policyholder based on the contract content of the policyholder and the payment status of the insurance premium. The reserve fund management unit 200 has a function of managing a main contract reserve fund and calculating a reserve amount used for execution of each function in the main processing unit 30.

The storage unit 40 includes a reserve information storage unit 50, a contract information storage unit 60, a payment amount storage unit 70, and a calculation formula storage unit 8.
0 and a point storage unit 90 are provided to store various information regarding the insurance of the contractor. Of these, the reserve information storage unit 50, the contract information storage unit 60, the payment amount storage unit 70, and the points storage unit 90 store information related to the contractor or the insured individual, such as the payment status and contract contents. . These may be configured as one database or may be configured as a plurality of databases associated with each other.

The functional blocks shown in FIG. 3 cooperate with each other to realize various insurance management functions. Each insurance management function will be described below, but it is noted that when describing each function, not only that function but also other functions related to that function may be described for convenience. I want to. Further, it is easily understood by those skilled in the art that the configurations described in relation to the respective functions below may be used when realizing not only the function but also other functions.

<Deposit Management Function> One feature of the insurance product illustrated in FIG. 1 is that the insurance policyholder can increase the reserve fund of the main contract and use it as savings. This saving function must be realized while ensuring the nature of insurance, unlike the one provided as savings by banks. Therefore, the insurance management system 100 needs to manage the deposit from the policyholder and appropriately maintain the main contract reserve within the framework of insurance. The deposit management function of the insurance management system 100 will be described below.

FIG. 4 shows the internal structure of the deposit processing unit 20. The deposit processing unit 20 includes a deposit message receiving unit 22 and a deposit determination unit 24. The deposit electronic message receiving unit 22 receives a deposit electronic message regarding payment from the insurance policyholder from the input / output unit 10. FIG. 5 shows an example of a deposit electronic message including contractor ID, deposit date, deposit amount, and category items. This deposit message is
For example, payment information sent from the insurer's bank,
It is created as electronic data from payment information sent from insurance agents. When the payment information sent is created as electronic data in an appropriate format, the payment information can be directly used as a payment electronic message.

The deposit discriminating unit 24 discriminates whether the payment is a one-time payment among a plurality of secondary payments or a temporary deposit payment according to the classification of the deposit message. here,
Multiple payments mean a method of paying insurance premiums in multiple payments, for example, level payments in which the same amount is deposited every predetermined period. It is sufficient that the multiple payments are scheduled to be paid in multiple times, and the deposit amounts do not have to be the same, and may be different amounts at each payment. In addition, the lump-sum payment is an insurance premium that is paid separately from the multiple payments during the insurance premium payment period, and is a payment method mainly performed for the purpose of increasing the reserve fund. One-time payment is a payment method that is not scheduled to be paid in advance and has no continuity of payment. In that sense, temporary payment is
There is a distinction between a lump-sum payment, which pays full insurance premiums for all insurance periods at the time of signing a contract, and a lump-sum payment, which collectively pays an integer multiple of the monthly premium. With reference to FIG. 5, the deposit electronic statement is provided with two categories of “level payment” which is one of multiple payments and “temporary payment”, and the deposit determination unit 24 refers to the categories. And contractor aaa
And the payment of the contractor bbb are equal payments, and the contractor ccc
It is determined that the payment of is a temporary input payment. The information of the deposit electronic message is supplied to the reserve fund management unit 200 together with the determination result.

FIG. 6 shows the internal structure of the reserve fund management unit 200 which realizes a part of the deposit management function of the insurance management system 100. The reserve fund management unit 200 includes a deposit data acquisition unit 21.
0, reserve fund calculation unit 212, output unit 214, writing unit 21
6, a reading unit 218 and a notification receiving unit 220. The reserve fund management unit 200 has a function of calculating the reserve amount at any time from the past to the future during the premium payment period based on the insurance contract reserve information stored in the reserve information storage unit 50. By making it possible to calculate not only the current reserve amount but also the past or future reserve amount, it becomes possible for the insurance management system 100 to realize various insurance management functions, as described below.

FIG. 7 shows an example of the insurance contract reserve information stored in the reserve information storage unit 50. This database is
Includes items related to monetary amounts such as the balance at the end of the previous month, leveled premium, special premium, temporary investment amount, withdrawal amount, transfer amount, point return amount, interest and balance at the end of the current month. Although not illustrated in FIG. 7, the reserve information storage unit 50 has a period such as a deposit date, a security review date, and an anniversary date used for calculating the transferred amount by interest calculation and security review, in addition to items related to the amount. It also stores information.

The database of FIG. 7 stores information on the main contract reserve fund of the contractor aaa from January to December. In this example, the contract premium is 25,000 yen from January to March, and the contractor aaa pays the premium of 30,000 yen monthly, and then cancels part of the contract. Reassess the contents of the guarantee, reduce the special insurance premium to 23,000 yen, and pay 2 per month on a level basis.
Shows the state that the insurance premium of 7,000 yen is paid. The paid-in premium paid monthly is equivalent to the above-mentioned "one-time payment of multiple payments". In July, 1,000,000 yen was paid as a temporary payment in addition to the premium payment by level payment. This insurance premium is the premium for the "temporary payment" described above.

As shown, the reserve information storage unit 50
Stores the amount of money to be added to the reserve of the main contract as reserve information for the increase, and stores the amount of money to be reduced from this reserve as reserve information for the decrease. In this example, the leveled premium, temporary investment amount, transfer amount, point return amount and interest are stored as reserve information (plus information) for the increased amount, and special insurance premium and withdrawal amount are reserved information for the reduced amount ( It is stored as negative information). In this way, the amount of money to be added to or subtracted from the reserve fund is stored as individual reserve information, so that the insurance management system 1
00 can calculate the reserve amount at any time in the past, which is required by canceling the change of the contract content, and can easily calculate the future change in the reserve amount.

At the time of review of the guarantee in April, the amount depending on the difference between the special liability reserves up to March and the provisional policy reserves for new special agreements after April is recorded as a transfer amount of 40,000 yen. ing. In addition, in July, a refund amount of 4,000 yen based on points accumulated during the premium payment period is recorded. In December, this policyholder
000 yen is withdrawn from the reserve fund. The withdrawal amount, transfer amount and point return amount will be described later.

The balance at the end of the current month is calculated using the following mathematical formula. (Balance at the end of the current month) = Balance at the end of the previous month + Deposit amount + Special insurance premium + Amount of temporary investment + Withdrawal amount + Transfer amount + Point return amount + Interest (1) This balance at the end of the next month is the balance at the end of the previous month of the next month Used as. As described above, by recording the information of the amount to be added or subtracted with respect to the main contract reserve fund as the reserve information in the reserve information storage unit 50 one by one, the reserve fund can be efficiently managed.

In order to facilitate the calculation of the reserve amount at any point in the past, the reserve amount data is not rewritten every time the special contract insurance premium or the paid-in premium is deposited, but the past reserve amount is not rewritten. It is also possible to store the accumulated amount of money for a predetermined period of time and the subsequent paid-in insurance premiums, special premiums and other accumulated amount of accumulated amount of money as data, and to calculate when necessary. For example, the balance at the end of the current month in the last month of the year may be recorded as the current year's balance in a predetermined cycle such as once a year. For example, when calculating the reserve amount at an insurance agency or the like, the insurance management system 100 needs to receive the request from the insurance agency and provide the agency with the reserve information stored in the reserve information storage unit 50. The data amount of all the funded information of the policyholder is often enormous, and it is expected that it will take a very long time for the insurance agent to calculate the funded amount from all the funded information. Therefore, the insurance management system 100 does not provide all the funded information of the policyholder, but by providing the yearly balance information in the previous year of the year in which the calculation of the funded amount is required and the funded information in the year in which the calculation is desired. It is preferable that the calculation of the reserve amount at the agent can be realized in a short time. Further, this year's balance may be notified to the contractor every year in order to make the contractor confirm the reserve amount.

As described above, the reserve information storage unit 50 may have a plurality of balance information calculated for each predetermined period, and one fund information updated for each predetermined period over the insurance premium payment period. It may have balance information. The reserve information storage unit 50 includes, as reserve information, balance information of reserves and change information regarding reserves generated after the calculation of the balance information, and the reserve management unit 200 stores the reserve information at a predetermined time. The balance information may be updated using the balance information and the change information and written in the reserve information storage unit 50.

Returning to FIG. 6, the deposit data acquisition unit 210.
However, from the deposit processing unit 20, the result of the determination of the payment method, that is, the result of the determination whether the deposit is one of multiple payments or temporary deposit, and the information on deposit are acquired, and the reserve fund is obtained. It is supplied to the calculation unit 212. The reading unit 218 is
The reserve information is read from the reserve information storage unit 50 and supplied to the reserve calculation unit 212.

Upon receipt of the determination result, the reserve amount calculation unit 212 receives the determination result, and based on the reserve information supplied from the reading unit 218 and the deposit information supplied from the deposit data acquisition unit 210, the reserve amount at a predetermined time. To calculate. The calculated reserve amount is stored in the cache memory.

When the deposit is payment made by a plurality of subsequent payments, the reserve fund calculation unit 212 calculates the current reserve amount in consideration of this payment. This reserve amount is output by the output unit 214.
Is supplied to the special insurance premium management unit 300.

FIG. 8 shows the internal structure of the special insurance premium management unit 300. The special insurance premium management unit 300 includes a reserve amount acquisition unit 310, a comparison unit 312, an insurance premium payment unit 314, and a notification unit 3.
16, a reading unit 318 and a writing unit 320. The reserve amount acquisition unit 310 receives the current reserve amount from the reserve amount management unit 200 and supplies it to the comparison unit 312.

At this time, the reading unit 318 reads from the contract information storage unit 60 the insurance premium to be paid for the predetermined insurance contracted by the insurance policyholder. Contract information storage unit 60
Stores contract information relating to the contractual content of the insurance policyholder, such as the insurance content of the insurance contract, the insurance amount, the insurance period, and the special insurance premium. When there are multiple special provisions, the coverage and the special insurance premium for each special provision are included. The reading unit 318 reads out all the special insurance premiums to be paid from the main contract reserve fund, and the comparing unit 3
Supply to 12.

The comparison unit 312 compares the current reserve amount with the special insurance premium. If there are multiple special contracts, the current reserve amount and the total amount of special insurance premiums are compared. In the case of conventional insurance products, the premium paid is rarely lower than the special premium, but in the case of the insurance product illustrated in Fig. 1, in principle, the special premium is paid from the main contract reserve fund. It is also possible to set the paid-in insurance premium to a premium insurance premium or less at the request of the person. In that case, the reserve for the main contract will be withdrawn each time the special insurance premium is paid, and the reserve amount will gradually decrease. Therefore, the comparison unit 31
2 plays the role of evaluating whether or not the special insurance premium can be paid with the current reserve fund.

The insurance premium payment unit 314 receives the comparison result from the comparison unit 312, and when the current reserve amount is equal to or more than the amount of the special insurance premium to be paid, pays the special insurance premium. Specifically, the writing unit 320 sets the insurance premium payment unit 314.
In response to the payment instruction from, the amount data of the special insurance premium is written in the payment amount storage unit 70. The payment amount storage unit 70 is
The special insurance premium paid is stored as special reserve information, and the special reserve information is used to calculate a special reserve reserve. The notification unit 316 informs the reserve fund management unit 200 of
Notify that you have paid the special insurance premium. On the other hand, as a result of the comparison, if the current reserve amount is less than the special insurance premium,
The notification unit 316 notifies the reserve fund management unit 200 that the special insurance premium cannot be paid.

Returning to FIG. 6, in the reserve fund management unit 200, the notification reception unit 220 receives the notification from the special insurance premium management unit 300. When receiving the notification that the special insurance premium has been paid, the notification receiving unit 220 informs the reserve fund calculating unit 212 of this fact, and the writing unit 216 is paid by the instruction of the reserve fund calculating unit 212. The amount related to the special insurance premium is written in the reserve information storage unit 50. The amount related to the special insurance premium may be the amount of the special insurance premium paid as shown in FIG. 7, or the amount obtained by subtracting the amount of the special insurance premium from the current reserve amount. It may be. In the former case, as illustrated in FIG. 7, the data is written as a deduction data for the reserve fund. In the latter case, the reserve information storage unit 50 holds the latest balance information calculated in consideration of the paid special insurance premium as data. On the other hand, when the notification receiving unit 220 receives the notification that the special insurance premium cannot be paid, the output unit 214
Notifies the input / output unit 10 to that effect. When the writing unit 216 has already written the information regarding the deposit into the reserve information storage unit 50, the writing is erased.

On the other hand, when the payment by the deposit electronic statement is a temporary deposit, the reserve fund calculating unit 212 calculates the current reserve amount in consideration of the paid temporary deposit. Due to the nature of insurance, it is not desirable to set the reserve amount of the main contract to unlimited, and therefore, the reserve amount at a predetermined time is often set to an upper limit. Therefore, as described below, in the case of temporary payment, the current reserve amount calculated by adding the temporary deposit and the set premium for insurance payment satisfy the condition regarding the upper limit of the reserve amount. It is necessary to judge whether or not. The predetermined time may be the time when a predetermined period has elapsed from the time of the contract, or may be the insurance premium payment period, that is, the expiration of the first insurance period. The calculated current reserve amount is output from the output unit 214 to the paid insurance premium management unit 40.
Supplied to zero.

FIG. 9 shows the internal structure of the paid-in insurance premium management unit 400 which realizes a part of the deposit management function of the insurance management system 100. The paid-in premium management unit 400 includes a reserve amount acquisition unit 410, a maximum paid-in insurance amount calculation unit 412, and a reading unit 41.
4, an evaluation unit 416 and a notification unit 418. The reserve amount acquisition unit 410 receives the reserve amount from the reserve management unit 200, and supplies it to the maximum paid insurance premium calculation unit 412.

The reading unit 414 reads the time information about the insurance contract from the contract information storage unit 60. The timing information to be read corresponds to the timing of the contract, the expiration of the insurance premium payment period, etc., depending on the timing condition regarding the upper limit of the reserve amount. Further, the reading unit 414 reads out the calculation formula used to calculate the maximum paid insurance premium from the calculation formula storage unit 80. The calculation formula is shown below.

[Equation 1]

FIG. 10 shows the internal structure of the maximum paid-in insurance premium calculation unit 412. The maximum paid insurance premium calculation unit 412 calculates the maximum paid insurance premium so that the reserve amount at a predetermined time during the premium paying period does not exceed a predetermined upper limit amount. This maximum premium paid is the upper limit of the premium paid by the policyholder. The maximum paid-in insurance premium calculation unit 412 includes a maximum paid-in insurance premium calculation unit 430 and a remaining years determination unit 432. The remaining years determination unit 432 uses the timing information of the insurance contract to determine the number of years from the present to the time when the reserve upper limit amount is set. For example, when the time when the reserve upper limit is set is when the insurance premium payment period expires, the number of years from the present to the time when the period expires is determined as the remaining years. The maximum paid insurance premium calculation unit 430 substitutes the reserve amount supplied from the reserve amount acquisition unit 410 and the remaining years of premium payment into the formula (2) to obtain the maximum paid insurance premium. Note that the calculation formula (2) is to calculate the maximum paid insurance premium by the yearly level payment, and in the case of half a year, one half of the maximum paid insurance premium is calculated.
Is the half-yearly paid maximum insurance premium, and in the case of monthly payment, 1/12 of this maximum paid insurance premium is the monthly paid maximum insurance premium.

Returning to FIG. 9, the reading unit 414 reads the insurance premium paid by the multiple payment from the contract information storage unit 60 and supplies it to the evaluation unit 416. The evaluation unit 416 evaluates whether or not the reserve amount calculated by adding the temporary payment and the paid insurance premium by the multiple payments satisfy the condition regarding the maximum paid insurance premium. Specifically, the evaluation unit 416 evaluates whether or not the paid-in insurance premium exceeds the maximum paid-in insurance premium, and when it does not exceed the maximum paid-in insurance premium, evaluates that the condition regarding the maximum paid-in insurance premium is satisfied. The notification unit 418 reports the evaluation result to the reserve fund management unit 200.

Returning to FIG. 6, the reserve fund management unit 200 receives the evaluation result in the notification receiving unit 220. When the condition relating to the maximum paid insurance premium is satisfied, the reserve fund calculating unit 212 is notified of that fact, and the writing unit 216 gives an amount related to the temporary deposit to the reserve information according to an instruction from the reserve fund calculating unit 212. Is written in the reserve information storage unit 50.
The amount related to the temporary deposit may be the amount of the paid temporary deposit itself as illustrated in FIG. 7, or may be a reserve amount obtained by adding the temporary deposit. In the former case, as illustrated in FIG. 7, it is written as data for an increase in the reserve fund. In the latter case, the reserve information storage unit 50 has the latest balance information calculated by considering the temporary deposit. On the other hand, when the notification receiving unit 220 receives the notification that the condition regarding the maximum insurance premium is not satisfied, the output unit 214 notifies the input / output unit 10 to that effect. The input / output unit 10 may indicate to the operator of the insurance management system 100 or the policyholder that the temporary deposit from the policyholder is too large.

FIG. 11 shows a flow of the deposit management method by the insurance management system 100. This flow starts at S10. First, a deposit telegram regarding payment from the insurance policyholder is accepted (S12). Then, it is determined whether the payment is a normal payment or a temporary deposit payment according to the classification of the deposit electronic message (S14). If the payment is the level payment, the reserve amount is calculated on the basis of the reserve information of the insurance contract and the amount of money according to the deposit message (S16). Then, the calculated reserve amount is compared with the insurance premium of the special contract insurance contracted by the policyholder (S18). When the reserve amount is equal to or more than the special insurance premium to be paid, the premium amount is paid from the reserve amount and the amount related to the premium amount is recorded as reserve information (S20).

When it is determined in S14 that the payment is a temporary payment, the reserve amount is calculated based on the reserve information of the insurance contract and the amount of money in the deposit telegram (S22). Subsequently, the calculated reserve amount and the premium paid by the level payment satisfy the condition regarding the maximum paid premium that is set so that the reserve amount does not exceed the predetermined upper limit amount at a predetermined time during the premium payment period. It is evaluated whether or not (S2
4). If this condition is satisfied, the amount of money related to the temporary deposit is recorded as reserve information (S20).

If the reserve amount is less than the special insurance premium in S18, or if the paid-in insurance premium exceeds the maximum paid-in insurance premium in S24, the payment from the contractor is processed as an error (S26), and the contract is concluded. A refund process to the person is performed (S28).
With the above steps, this flow ends (S3).
0).

<Evaluation function of paid-in insurance premium> The insurance product illustrated in FIG. 1 is characterized in that a special insurance premium is paid from the main contract reserve fund. As a general rule, policyholders can freely set premiums paid by monthly payments or annual payments regardless of the amount of special insurance premiums, as long as the main contract reserve is sufficiently accumulated. . However, in order to maintain the property as an insurance product, the insurer may impose a certain limit on the amount of the main contract reserve fund. In such a case, the insurance management system 100 needs to evaluate whether or not the set payment insurance premium is appropriate. The payment insurance premium evaluation function of the insurance management system 100 will be described below.

FIG. 12 shows the internal structure of the reserve fund management unit 200 which realizes a part of the paid-in insurance premium evaluation function of the insurance management system 100. The reserve fund management unit 200 includes an evaluation request receiving unit 230, a reserve fund calculation unit 212, an output unit 214, and a reading unit 218. The components denoted by the same reference numerals as the components shown in FIG. 6 realize the same or similar functions and operations as the corresponding components in FIG.

The evaluation request receiving section 230 receives an evaluation request for paid-in insurance premiums from the input / output section 10. Input / output unit 10
May supply the evaluation request input from the operator of the insurance management system 100 to the evaluation request receiving unit 230, or may voluntarily supply the evaluation request at a predetermined time. The evaluation request may be supplied when, for example, when making a new contract. The evaluation request receiving unit 230 transmits this request to the reserve fund calculation unit 212, and the reserve fund calculation unit 212
In response to this, the reading unit 218 is instructed to read the reserve information. The reserve amount calculation unit 212 calculates the current reserve amount based on the reserve information read from the reserve information storage unit 50. The output unit 214 supplies the calculated reserve amount to the paid insurance premium management unit 400 together with the request for evaluation of the paid insurance premium.

FIG. 13 shows a paid insurance premium management unit 40 which realizes a part of the paid insurance premium evaluation function of the insurance management system 100.
The internal structure of 0 is shown. The paid-in insurance amount management unit 400 includes a reserve amount acquisition unit 410, a maximum paid-in insurance amount calculation unit 412, a minimum paid-in insurance amount calculation unit 440, a reading unit 414, and an evaluation unit 416.
And a notification unit 418. The components designated by the same reference numerals as the components shown in FIG. 9 realize the same or similar functions and operations as the corresponding components in FIG.

The reserve amount acquisition unit 410 is used by the reserve deposit management unit 2
00, the paid-in insurance evaluation request and the calculated reserve amount are received and supplied to the maximum paid-in insurance amount calculation unit 412 and the minimum paid-in insurance amount calculation unit 440. In response to the request for evaluation of the paid-in insurance premium, the maximum paid-in insurance amount calculation unit 412 and the minimum paid-in insurance amount calculation unit 440 are activated. Reading unit 414
Reads the paid-in insurance premium and timing information regarding the insurance contract from the contract information storage unit 60.

As described with reference to FIG. 10, the maximum paid insurance premium calculation unit 412 sets the maximum paid insurance premium so that the reserve amount does not exceed the predetermined upper limit amount at a predetermined time during the insurance premium payment period. calculate. Specifically, by substituting the reserve amount and the remaining years until a predetermined time into the calculation formula (2), the maximum annual premium paid is calculated, and when the contract is monthly, the maximum annual premium calculated Reduce the insurance premium paid to 1/12,
Calculate the maximum monthly premium paid. The maximum paid insurance premium calculation unit 412 supplies the calculated maximum paid insurance premium to the evaluation unit 416.

The minimum paid-in premium calculating unit 440 calculates the minimum paid-in premium based on the contents of the main contract and the special contract of the insurance contracted by the policyholder and the reserve amount. In the insurance product illustrated in Fig. 1, the reserve fund of the main contract realizes the saving function, but in order to maintain the property as an insurance product, the policy reserve amount of the main contract according to the number of contract years is the minimum. Must be retained. Specifically, the minimum reserve amount at the expiration of the insurance premium payment period required to start the second insurance period is set, and based on this minimum reserve amount, the minimum amount of the main contract according to the contract years is set. A liability reserve is established. This point is a feature of the savings function as an insurance product, and is also very different from deposits and savings in banks and the like. For this reason, the minimum paid-in insurance premium calculation unit 440 calculates the minimum standard of paid-in insurance premium so that the reserve amount at the expiration of the insurance premium payment period does not fall below a predetermined lower limit.

FIG. 14 shows the internal structure of the minimum paid insurance premium calculation unit 440. The minimum premium paid calculation unit 440 includes a difference reserve fund calculation unit 450, a residual insurance charge calculation unit 452, a comparison unit 454, a selection unit 456, and a calculation unit 458. When the insurance includes a main contract, a renewal type treaty and / or a lifetime contract, this embodiment pays particular attention to the renewal type treaty to calculate the minimum paid insurance premium.

First, the difference reserve fund calculation unit 450 calculates the difference reserve fund by subtracting the value obtained by multiplying the basic reserve fund by the number of times the premium has been paid, from the current reserve fund. The basic reserve amount and the difference reserve amount are calculated by the following formulas. (Basic reserve amount) = (Minimum reserve amount at the time of expiration) / (Number of insurance premium payments) ... (3) (Differential reserve fund) = (Fund reserve amount)-(Basic reserve amount) x (Number of insurance premium payments) (4) Data for determining the number of times insurance premiums have been paid and the number of times insurance premiums have been paid are supplied from the contract information storage unit 60 via the reading unit 414. In the insurance product illustrated in FIG. 1, after the premium payment period (first insurance period) has expired, the main contract reserve fund at the time of expiration changes to the main policy liability reserve of the second insurance. The basic reserve amount is the amount for maintaining the main contract, and in this example, the minimum reserve amount at the end of the payment period is set as the amount to be paid in level payment, but in another example, it is set according to the contract years. May be set as the amount of money with the weight adjusted.

The residual insurance premium calculation unit 452 calculates the residual insurance premium for the renewal type covenant. The residual insurance premium is calculated by the following formula. (Remaining insurance premium) = (Renewal type special insurance premium) × (Number of remaining payments of renewal type special contract) (5) The comparison unit 454 compares the difference reserve fund with the residual insurance premium. The comparing unit 454 may read the reading unit 414 according to the comparison result.
Then, the calculation formula stored in the calculation formula storage unit 80 is selected and read. Specifically, the selection unit 456 receives the comparison result, and instructs the reading unit 414 to read the calculation formula necessary for calculating the minimum paid insurance premium.

When the difference reserve is larger than the residual renewal type special insurance premium, the following formula (6) is read from the formula storage unit 80 and supplied to the calculation unit 458.

[Equation 2] On the other hand, when the difference reserve is less than or equal to the residual renewal insurance premium, the following calculation formula (7) is read from the calculation formula storage unit 80 and supplied to the calculation unit 458.

[Equation 3] As shown in the formulas (6) and (7), in this embodiment, paying attention to the fact that the premium payment period for the main contract and the full-term special contract and the premium payment period for the renewal special contract are different, The sum of the amount and the special premium for the entire term is set as the base amount of the minimum paid premium, and the amount to be added or subtracted from the base amount is set based on the renewal premium. If the differential reserve is larger than the residual renewal premium, the renewal premium can be paid from the differential reserve. Therefore, the formula (6) is obtained by dividing the amount obtained by subtracting the residual renewal type premium insurance premium from the difference reserve by the residual premium payment residual number of the main contract (same as the total premium premium residual number of all-year type special premium). , And then subtract the amount from the base amount to calculate the minimum premium paid.

On the other hand, if the difference reserve fund is less than or equal to the residual renewal type special insurance premium, all the remainder of the renewal type special insurance premium cannot be paid from the difference reserve fund. Therefore, the minimum amount of premiums to be paid is calculated by adding the shortfall to the differential reserves to the sum (base amount) of the basic reserves and all-year special insurance premiums. The payment period for the renewal-type special insurance premiums is a fixed period, and it is necessary to make up for the shortfall during the fixed period. The amount is divided by the remaining number of renewal-type special insurance premium payment remaining, and the divided amount is calculated as the shortfall for the difference reserve fund.

The calculation unit 458 calculates the minimum paid insurance premium using the supplied calculation formula, and supplies it to the evaluation unit 416.
When the calculation result of the calculation formula (6) is less than or equal to zero, the minimum paid insurance premium may be set as zero, or may be set to a predetermined amount with a low amount. Since the renewal type contract expires within a certain period of time, it is preferable to recalculate the minimum paid insurance premium when the renewal type contract expires. In addition, when the policyholder subscribes to a new renewal contract after the renewal special contract expires, it is necessary to calculate the minimum paid insurance premium based on the content of the new renewal contract.

In the above example, the calculation method of the minimum premium paid during the premium payment period has been described. Since it does not exist, the minimum premium paid is
It is the sum of the basic reserve amount, all-year type special insurance premium and renewal type special insurance premium.

Returning to FIG. 13, the reading unit 414 reads the paid insurance premium from the contract information storage unit 60, and the evaluation unit 416.
Supply to. The evaluation unit 416 evaluates whether or not the paid-in insurance premium is within a range in which the minimum paid-in premium is the lower limit and the maximum paid-in premium is the upper limit. The notification unit 418 supplies the evaluation result to the input / output unit 10. If the paid insurance premium is not within the range, the input / output unit 10 may notify, for example, the operator of the insurance management system 100 that the set paid insurance premium is not appropriate.

The function of evaluating the paid insurance premium by the insurance management system 100 can be used not only for checking the paid insurance premium that has already been set, but also for evaluating the paid insurance premium desired to be changed. For example, the operator inputs an evaluation request for the paid insurance premium and the paid insurance premium desired to be changed from the input / output unit 10, and returns an evaluation as to whether the paid insurance premium is appropriate or not as an output. It is also possible to realize the paid-in insurance premium evaluation function of the management system 100.

FIG. 15 shows a flow of the method of evaluating the paid-in insurance premium by the insurance management system 100. This flow starts at S40. First, the reserve information of the insurance contract stored in the reserve information storage unit 50 is read (S4
2) Calculate the reserve amount based on the reserve information (S4)
4). Then, the minimum premium to be paid is calculated based on the contents of the main contract and special contract of the insurance contracted by the policyholder and the amount of reserve (S46), and the amount of reserve is calculated at a predetermined time during the premium payment period. Calculates the maximum paid insurance premium so that does not exceed the predetermined upper limit (S48). The insurance premium paid by the policyholder is read from the contract information storage unit 60, and it is evaluated whether or not the premium paid is within the range in which the minimum premium is the lower limit and the maximum premium is the upper limit (S50). .
If the paid-in insurance premium is within this range, it is determined that the paid-in insurance premium is appropriate. On the other hand, when the paid insurance premium is not included in this range, the information indicating that is notified (S52). With the above steps, the present flow ends (S54).

<Withdrawal Management Function> One feature of the insurance product illustrated in FIG. 1 is that it has a savings function.
Policyholders can withdraw a portion of the fund,
It may not be preferable to allow unlimited withdrawals from the reserve fund because of the relationship with the premium paid. In the following, the withdrawal management function of the insurance management system 100 when the insurer prepares a main contract, a renewal-type contract and / or an all-term contract as the content of the insurance contract will be described.

FIG. 16 shows the internal structure of the reserve fund management unit 200 which realizes a part of the withdrawal money management function of the insurance management system 100. The reserve fund management unit 200 is the withdrawal request reception unit 2
40, a reserve fund calculation unit 212, an output unit 214, and a reading unit 218. The components designated by the same reference numerals as those shown in FIGS. 6 and 12 realize the same or similar functions and operations as the corresponding components in FIGS. 6 and 12.

The withdrawal request receiving section 240 receives a partial withdrawal request for the main contract reserve fund from the insurance policyholder from the input / output section 10. The withdrawal request accepting unit 240 transmits this request to the reserve fund calculating unit 212, and the reserve fund calculating unit 212 instructs the reading unit 218 to read the reserve information from the request.
The reserve amount calculation unit 212 calculates the current reserve amount based on the reserve information read from the reserve information storage unit 50. The output unit 214 supplies the calculated withdrawal amount to the withdrawal money management unit 500 together with the withdrawal request for the withdrawal fund.

FIG. 17 shows the internal structure of the withdrawal management section 500 which realizes a part of the withdrawal management function of the insurance management system 100. Withdrawal management unit 500 is a reserve amount acquisition unit 5
10, first comparison unit 512, second comparison unit 514, read unit 5
16, a calculation formula selection unit 518, a calculation unit 520, and a notification unit 522.

The reserve amount acquisition unit 510 is a reserve reserve management unit 2.
From 00, the reserve demand withdrawal request and the current reserve amount are received. Upon receiving the withdrawal request, the reserve amount acquisition unit 510
Instructs the reading unit 516 to read data necessary for calculating the partial cancellation limit of the main contract reserve fund. The reading unit 516 reads from the contract information storage unit 60 data such as the number of times the insurance premium has been paid, the contract period, the renewal-type special insurance premium, the full-term special insurance premium, and the paid-in insurance premium, and the first comparing unit 5
12 and the second comparison unit 514. First comparison unit 5
12 compares the first total amount of the basic reserve amount, the renewal-type special insurance premium and the full-term special insurance premium with the insurance premium paid by the policyholder. The basic reserve amount is calculated using the above-mentioned calculation formula (3). When the insurance contracted by the policyholder does not include the full-term special insurance, the full-term special insurance premium is set to zero and the first combined amount and the paid premium are compared. Similarly, when the renewal type special insurance premium does not exist, the renewal type special insurance premium is set to zero and the first combined amount and the paid-in insurance premium are compared.

As a result of the comparison by the first comparing section 512, when the paid-in insurance premium is equal to or more than the first combined amount, the calculation formula selecting section 518 is notified of that fact. At this time, the calculation formula selection unit 5
18 instructs the reading unit 516 to select and read the following formula (8) used for calculating the withdrawal limit amount from the formula storage unit 80.

[Equation 4] Here, the basic reserve amount is calculated by multiplying the basic reserve amount by the number of times the insurance premium has been paid.

On the other hand, if the result of the comparison in the first comparing section 512 is that the first combined amount is higher than the paid-in insurance premium, the second
The comparison unit 514 compares the second total amount of money, which is the sum of the basic reserve amount and the all-year type special insurance premium, with the paid-in insurance premium, and supplies the comparison result to the calculation formula selection unit 518. When the paid-in insurance premium is equal to or more than the second total amount, the calculation formula selection unit 518
Instructs the reading unit 516 to select and read the following calculation formula (9).

[Equation 5]

On the other hand, when the second total amount of money is higher than the paid-in insurance premium, the following calculation formula (10) is selected and instructed to be read out.

[Equation 6] The calculation formula selection unit 518 uses the read calculation formula as the calculation unit 5
Supply to 20. The calculation unit 520 uses the reserve amount acquisition unit 51.
The withdrawal limit is calculated using the reserve amount supplied from 0 and contract information such as paid-in insurance premium. At this time, the calculation unit 5
20 may calculate a withdrawal limit by subtracting a predetermined fee. The notification unit 522 supplies the calculated withdrawal limit amount to the input / output unit 10. The policyholder determines the amount of withdrawal with the maximum amount of withdrawal as the upper limit.

For the purpose of ensuring the safety of the insurer associated with withdrawal, the withdrawal limit may be calculated on condition that the balance of the main contract reserve fund after withdrawal maintains at least a predetermined amount. In addition, when the amount of money equal to or less than zero is derived by the selected calculation formula, the notification unit 522 notifies the input / output unit 10 that the withdrawal is impossible. Further, in the above example, the function of obtaining the withdrawal limit amount has been described, but in another example, the withdrawal management unit 500 may further have a function of determining whether or not the desired withdrawal amount presented by the contractor. .
When the desired withdrawal amount is presented by the contractor, the withdrawal management unit 500 determines whether or not the desired withdrawal amount is less than or equal to the third comparison unit that compares the desired withdrawal amount with the withdrawal limit amount. A determination unit for determining may be further provided. Notification unit 52
2 notifies the input / output unit 10 of this determination result.

The insurance contractor is notified of the withdrawal limit amount by the input / output unit 10 and withdraws a part of the main contract reserve fund. At this time, as shown in FIG. 7, the withdrawn amount of money is stored in the reserve information storage unit 50 as data for the reduction amount with respect to the reserve fund.
Written in.

FIG. 18 shows a flow of the withdrawal limit amount calculation method by the insurance management system 100. This flow starts at S60. First, the contract information such as paid-in insurance premium is read (S62), and the first total amount of the basic reserve amount, the renewal-type special insurance premium and the full-term special insurance premium is compared with the insurance premium paid by the policyholder. Yes (S64). If the first combined amount is less than or equal to the paid-in insurance premium, the calculation formula is selectively read from the calculation formula storage unit 80 according to the comparison result (S66). If the first combined amount is larger than the paid insurance premium, the second combined amount, which is the sum of the basic reserve amount and the whole term special insurance premium, is compared with the paid insurance premium (S68). If the second combined amount is larger than the paid insurance premium, the calculation formula according to the comparison result is selectively read (S70), and if the second combined amount is less than or equal to the paid premium, A calculation formula corresponding to the comparison result is selectively read (S72). After that, the withdrawal limit amount is calculated using the read formula (S74), and this flow ends (S76).

<Contract Content Change Management Function> One feature of the insurance product illustrated in FIG. 1 is that the contract content can be smoothly changed due to a security review or conversion of a special contract. Further, it is preferable that this insurance product allows the procedures between the policyholder and the insurer to be smoothly performed even when the insurance content is changed or the paid insurance premium is changed due to the environmental change. It is preferable that the insurance management system 100 efficiently manage the change of the contract content so as to reduce the procedure burden on both the insurer and the insurance contractor.

Since the insurance management system 100 normally calculates liability reserves and the like on the basis of the application period, it is preferable to change the new contract contents at the application period for the convenience of data management. However, since the policy content is changed based on the policyholder's will, it is not always done at the appropriate time. It is hard to say that imposing the conditions for accepting changes in the contract content only at the time of application to the policyholders is sufficient to satisfy the policyholders' requirements.

In order to provide a flexible insurance product to the contractor, the contract management change management function of the insurance management system 100 allows the contract management to be changed at times other than the applicable time without complicating data management. It is possible to accept, and it is possible to absorb the amount corresponding to the difference in special reserves that accrues due to changes in the contract content, with the reserve fund of the main contract. The contract content change management function will be described below by taking as an example the case where the contractor performs a security review and changes the contract content. In addition, for the explanation of this function only,
The special provisions mean those with policy reserves such as fixed term insurance special provisions, specified disease coverage fixed term special provisions, hospitalization protection special provisions, and cancer special provisions. For the sake of simplicity, the security or contract before the content change is referred to as “original security” or “original contract”, and the security or contract after the content change is referred to as “new security” or “new contract”.

FIG. 19 is a reserve fund management unit 200 for realizing a part of the contract content change management function of the insurance management system 100.
The internal structure of is shown. The reserve fund management unit 200 includes a request receiving unit 250, a timing determining unit 252, a reserve fund calculating unit 212, an output unit 214, a writing unit 216, a reading unit 218, and a transfer amount receiving unit 254. In this embodiment, the reserve fund management unit 200 calculates the reserve amount (responsibility reserve amount) for the special contract for changing the guarantee content.

The request receiving unit 250 receives the request for changing the guarantee content and the new guarantee content from the input / output unit 10 and supplies them to the timing judging unit 252. The reading unit 218 reads out the application period, which serves as a reference for changing the guarantee content, from the contract information storage unit 60 and supplies it to the period determination unit 252. Timing judgment unit 25
Step 2 judges whether the time to change to the new security content corresponds to the applicable time. If the payment period corresponds, the cancellation refund will be paid based on the special reserve fund stored in the payment amount storage unit 70 and the contract information about the special contract to be reviewed stored in the contract information storage unit 60. Is calculated and recorded in the reserve information storage unit 50.

When the change time to the new guarantee contents does not correspond to the application time, the reading unit 218 causes the payment amount storage unit 7 to operate.
From 0, the special reserve information about the special contract for revising the guarantee is read out and supplied to the reserve calculation unit 212. The reserve fund calculation unit 212 calculates the first reserve fund amount for the original guarantee content at the time of change, based on the bonus reserve information. The first special reserve amount corresponds to the policy reserve that is actually accumulated at the time of changing to the new coverage by the payment of the special insurance premium.

Then, the request receiving section 250 supplies the new guarantee content to the reserve fund calculating section 212. Furthermore, the timing determination unit 252 supplies the reserve period calculation unit 212 with the period between the immediately preceding application period and the guarantee content change period in the past. Based on these pieces of information, the reserve fund calculation unit 212, on the assumption that the insurance contract has been transferred to the new insurance content at the time of the immediately preceding application period, temporarily reserves the second insurance content regarding the new insurance content at the change time. Calculate the special reserve amount. This second
The special reserve amount is equivalent to the liability reserve that must be accumulated at the time of changing to the new coverage if the special coverage under the new coverage is started from the immediately preceding application period. The output unit 214 provides the first special reserve amount, the second special reserve amount and the new guarantee content to the guarantee adjusting unit 60.
Supply to 0.

FIG. 20 is an explanatory diagram for explaining a method in which the reserve fund management unit 200 calculates the first special reserve amount and the second special reserve amount when the change time to the new guarantee contents does not correspond to the application period. It is a figure. In this example, a case will be described in which the guarantee contents of the original special contract are partially cancelled, and a new special contract with a reduced guarantee amount is made. Even when the guarantee amount is increased from the original special contract, the reserve fund management unit 200 calculates the first special reserve amount and the second special reserve amount by the same method as described below. In the figure, the horizontal axis indicates the passage of time, and the height in the vertical axis, that is, the height of the frame by the dotted line or the solid line indicates the guaranteed amount in the original special contract or the new special contract. The curve shown in the box indicates the reserve amount (reserve reserve) of the special contract. The time when the policyholder reviews the insurance is shown as the "change time".

First, the amount accumulated in the original special contract at the time of change is calculated as "first special contract reserve amount". Next, assuming that the transition to the new coverage was made on the day of the previous contract anniversary, in that case, calculate the "second special reserve amount" that should be reserved at the time of the change. Actually, the guarantee by the new special contract starts from the time of the change, but in this insurance management system 100, it is assumed that the shift to the new guarantee contents is started from the immediately preceding contract anniversary date for the convenience of data management. Temporary second
Calculate the special reserve amount. The maturity date of the new covenant will be set based on the contract anniversary date immediately before this. In this way
The reserve fund management unit 200 calculates a first special reserve amount and a second special reserve amount. When the change time is the contract application time, the second special reserve amount may be calculated as zero.

FIG. 21 shows the internal structure of the guarantee adjustment unit 600 that realizes a part of the contract content change management function of the insurance management system 100. The security adjustment unit 600 includes a reserve amount acquisition unit 610, a transfer amount calculation unit 612, a reading unit 614, and a notification unit 616. The reserve amount acquisition unit 610 receives the first special reserve amount, the second special reserve amount and new guarantee content from the reserve managing unit 200, and transfers the transfer amount calculating unit 61.
Supply to 2. The reading unit 614 reads the contract information from the contract information storage unit 60 and the payment information about the special insurance premium from the payment amount storage unit 70 to the transfer amount calculation unit 612. The transfer amount calculation unit 612 calculates the transfer amount to be added to or subtracted from the main contract reserve, based on the first special reserve amount, the second special reserve amount, new guarantee contents, contract information and payment information of special insurance premiums. .

FIG. 22 shows the internal structure of the transfer amount calculation unit 612. The transfer amount calculation unit 612 includes a cancellation refund calculation unit 630, a comparison unit 632, an additional amount calculation unit 634, and a calculation unit 636. The comparison unit 632 receives the special insurance premium with the new security content from the reserve amount acquisition unit 610, receives the special insurance premium with the original security content from the reading unit 614, and compares them. As a result of the comparison, if the special insurance premium due to the new insurance content is lower than the original special insurance premium, the comparing unit 632 notifies the cancellation refund calculating unit 630 to that effect. The cancellation refund calculation unit 630 calculates the cancellation refund by subtracting the cancellation fee from the first special reserve amount supplied from the reserve acquisition unit 610, triggered by the notification. The cancellation fee is determined based on the coverage of the original special contract and the payment status of the insurance premium. The additional amount calculation unit 634 calculates the additional amount by multiplying the cancellation fee by the ratio of the new special insurance premium and the original special insurance premium. The calculation unit 636 calculates the transfer amount based on the cancellation refund and the additional amount, and supplies the transfer amount to the notification unit 616. In particular,
The surrender value and surcharge will be added to calculate the transfer amount.
By determining the additional amount using the contents of the new special contract, the deduction burden paid by the policyholder will be reduced.

As a result of the comparison in the comparison unit 632, when the special insurance premium due to the new insurance content is equal to or more than the original special insurance premium, it corresponds to the fact that the special insurance content is increased.
You may calculate the transfer amount by managing the contract change based on the policy that no fee is charged. The notification unit 616 notifies the reserve fund management unit 200 of the calculated transfer amount.

Returning to FIG. 19, the transfer amount receiving unit 254 receives the transfer amount, instructs the writing unit 216 to write the amount of money related to the transfer amount, and the writing unit 216 causes the amount of money related to this transfer amount. Is stored as reserve information, and the reserve information storage unit 5
Write to 0. The amount related to the transfer amount may be the transfer amount itself, or may be the sum of the reserve amount of the main contract and the transfer amount. In the former case,
It is written as data for the amount of deduction for the reserve fund. In many cases, as shown in FIG. 7, the transfer amount is written as data for the increase amount, but if the contract period based on the original guarantee content is very short, the transfer amount is written as data for the reduction amount. There is also a possibility. In the latter case,
The reserve information storage unit 50 holds the latest balance information calculated in consideration of the special insurance premium paid as data.

[0114] A refund that the insurer should pay to the policyholder or a deficiency that the policyholder should pay to the insurer will occur due to the review of the coverage of the special agreement. By absorbing the money into the main contract reserve fund, it becomes possible to reduce the procedure burden on both the policyholder and the insurer.

When the contract contents are changed, it is preferable to calculate the minimum paid insurance premium using the special insurance premium according to the new contract contents in order to evaluate the paid insurance premium. It is necessary to evaluate the premiums paid by policyholders with the minimum premiums paid as the lower limit condition, and maintain the premiums paid at an appropriate amount.

FIG. 23 shows a flow of a contract content change management method by the insurance management system 100. This flow starts at S80. First, the first special contract reserve amount for the original special contract at the time of changing the guarantee content is calculated (S82). Then, it is judged whether or not the change time is the appropriate time (S84).
The special reserve amount is set as the transfer amount (S92). At this time, an amount obtained by subtracting a predetermined fee from the first special reserve amount may be set as the transfer amount. If not, the provisional second special reserve amount for the new special contract at the time of this change is calculated under the assumption that the insurance contract has been transferred to the new coverage at the time of the immediately previous contract (S86). ). Then, the original special insurance premium and the new special insurance premium are compared (S88), and if the original special insurance premium is larger, the cancellation refund and the additional amount are calculated, and these are added, and the transferred amount is transferred. Is calculated (S92). On the other hand, if the original special insurance premium is less than or equal to the new special insurance premium, the difference between the new special insurance premium and the original special insurance premium is set as the transfer amount (S92). At this time, if necessary, an amount obtained by subtracting a predetermined fee from the difference may be set as the transfer amount. The transferred amount is stored as reserve information regarding the main contract reserve (S94). With the above steps, the present flow ends (S96).

<Funding Function for Expiration> The insurance product illustrated in FIG. 1 is one in which the reserve fund of the main contract is used as a source of life insurance etc. in the second insurance period after the insurance premium payment period has expired. Characterize. Due to the nature of this insurance product, the reserve amount at the expiration of the payment period varies from policyholder to policyholder and is not fixed at the time the contract is concluded. The insurance management system 100 determines the guarantee content of the second insurance period based on the reserve amount at the time of expiration. The expired fund use function of the insurance management system 100 will be described below.

FIG. 24 shows the internal structure of the reserve fund management unit 200 which realizes a part of the function of utilizing funds at the time of expiration of the insurance management system 100. The reserve fund management unit 200 is the expiration judgment unit 2
60, a reading unit 218, a reserve calculation unit 212, and an output unit 214. The reading unit 218 reads out the contract information indicating the expiration of the insurance contract from the contract information storage unit 60 and supplies it to the expiration judging unit 260. The expiration determination unit 260 receives the contract information and determines the expiration of the insurance premium payment period based on the current date and time. When the current date and time corresponds to the expiration date, the reserve fund calculation unit 212 calculates the current reserve amount.
This calculation is performed based on the accumulated information read from the reading unit 218. The output unit 214 supplies the reserve amount at the time of expiration to the fund use unit 700. Note that in another example,
The reserve calculation unit 212 may calculate the reserve amount at the expiration of the insurance premium payment period when a final deposit is received from the contractor.

FIG. 25 shows the internal structure of the fund use unit 700 that realizes a part of the function of using funds at the time of expiration of the insurance management system 100. The fund use unit 700 is the reserve amount acquisition unit 7
10, a guarantee content determination unit 712, a reading unit 714, and a notification unit 716. The reserve amount acquisition unit 710 receives the reserve amount at expiration from the reserve management unit 200 and supplies it to the guarantee content determination unit 712. The reading unit 714 reads out information on the insurance contract after the payment period has expired from the contract information storage unit 60, and supplies it to the guarantee content determination unit 712. This information indicates the insurance type in the second insurance period after the expiration.

The guarantee content determination unit 712 determines the guarantee content after the expiration based on the reserve amount at the expiration of the payment period, the insurance type of the second insurance period, and the like. According to the insurance product illustrated in FIG. 1, the funded amount of the main contract at the time of expiration differs depending on the contractor.
Determine the coverage of the insurance period. The guarantee content is output from the notification unit 716 to the input / output unit 10. Input / output unit 10
May present the received guarantee to the contractor.

FIG. 26 shows a flow of a method of utilizing funds at expiration by the insurance management system 100. This flow starts at S100. First, it is determined whether or not the insurance premium payment period has expired (S102). When it expires, the reserve amount at the time of expiration is calculated (S104), and the content of guarantee is determined based on the reserve amount (S106). With this step, this flow ends (S108).

<Point Management Function> The insurance product illustrated in FIG. 1 generates points on the basis of the added insurance amount of the special contract, the special insurance premium, and the like, and gives the contractor at a predetermined time according to the accumulated point value. One of the characteristics is to reduce. When using insurance as a family, it is possible to give preferential returns. The insurance management system 100 manages points as part of an additional service for insurance products.

FIG. 27 shows the internal structure of the point management unit 800. The point management unit 800 uses the point generation unit 8
10, a reading unit 812, a point collecting unit 814, a redemption amount calculation unit 816, a notification unit 818, and a writing unit 820. The reading unit 812 reads the paid special insurance premium from the payment amount storage unit 70 and the special insurance amount from the contract information storage unit 60, and supplies them to the point generation unit 810. This read may be performed each time the paid special insurance premium is written in the paid amount storage unit 70, or may be collectively read at a predetermined time. The point generation unit 810 generates the points of the contractor based on the paid special insurance premium, the insurance amount, and other contract contents. The writing unit 820 stores the points generated for each contractor in the point storage unit 90.

The reading unit 812 collects the points stored in the point storage unit 90 at a predetermined time from the point collecting unit 814.
Read to. The point aggregating unit 814 aggregates the accumulated points. If the spouse of the contractor also subscribes to the contract, the reading unit 812 reads the points of the spouse stored in the point storage unit 90, and the point collecting unit 814 determines the points of the spouse as the contractor. The number of points at the time of calculating the point return amount may be increased by integrating with the points. The information that the person is a spouse is stored in the contract information storage unit 60, and the reading unit 812 reads the points of the contractor and the spouse to the point aggregation unit 814 based on the information. The point collecting unit 814 supplies the collected points to the refund amount calculation unit 816.

The return amount calculation unit 816 calculates the point return amount using the table shown in FIG. The point unit price is set higher as the number of points increases. For example, when the judgment point of the contractor A is 70, the return amount is calculated as 21,000 yen (= 70 × 300 yen). When the determination point of the contractor B is 30, the return amount is calculated to be 5,400 yen (= 30 × 180 yen).
Here, when the contractors A and B are a couple, the determination points applied to the contractors A and B are the points of the contractors A and B added, and in this case, 100. The point price applied to a couple is 420
Yen, and the amount returned to contractor A is 29,400 yen (= 7
0 × 420 yen), and the return amount to the contractor B is 12,600 yen (= 30 × 420 yen).

The writing unit 820 writes the calculated return amount into the reserve information storage unit 50 as reserve information regarding the main contract reserve fund. As illustrated in FIG. 7, this return amount is written as data for the increase amount with respect to the reserve fund. The return amount may be supplied from the notification unit 818 to the input / output unit 10 and presented to the contractor.

FIG. 29 shows a flow of the point management method by the insurance management system 100. This flow starts in S120. First, points are generated using the special insurance amount and the special insurance premium (S122), and are sequentially stored in the point storage unit 90. The accumulated points are aggregated at a predetermined time (S124). At this time, if the spouse of the contractor also has insurance, the points of the spouse are also added. A return amount is calculated using the collected points (S126). This amount of reduction is stored as reserve information in the reserve information storage unit 50 in order to be added to the main contract reserve fund (S128). Through the above steps, the present flow ends (S130).

FIG. 30 is a block diagram showing the hardware components of the insurance management system 100 according to the embodiment of the present invention. The insurance management system 100 includes a display device 102, an input unit 104, a CPU 106, a data storage 108, a cash memory 110, and a drive device 112. These configurations are electrically connected by a signal transmission path such as the bus 114. Input unit 104
Accepts various information such as a deposit electronic message and other instructions from an operator.

The data storage 108 is a large-capacity magnetic storage device, and stores main contract reserve information, contract information, special payment amount, calculation formula, points and the like. The recording medium 120 records programs for causing the CPU 106 to realize various functions of the insurance management system 100 described in connection with the embodiment. When the recording medium 120 is inserted into the drive device 112, the program is read to the cache memory 110 or the data storage 108, and the CPU 106 realizes the insurance management function by the read program. This recording medium 120 is C
It is a computer-readable medium such as D-ROM, DVD, FD. Further, the recording medium 120 may record main contract reserve information, contract information, a special payment amount, a calculation formula, and points.

Here, the example in which the insurance management program is recorded in the recording medium 120 has been described, but in another example, the program may be wireless or wired.
It may be transmitted from an external computer or terminal.
In the hardware configuration shown in FIG. 30, the program only needs to cause the computer to realize the insurance management function, and may be stored in the data storage 108 in advance as well as being supplied from the outside. It will be understood by those skilled in the art.

Although the present invention has been described above based on the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It is understood by those skilled in the art that the above-described embodiments are mere examples, and that various modifications can be made to the combinations of the respective constituent elements and the respective processing processes, and that such modifications are also within the scope of the present invention. This is where In particular, the insurance management system 100, when handling the insurance product illustrated in FIG. 1, realizes a highly flexible insurance management function for both the policyholder and the insurer by closely linking the above-mentioned functions. It is possible to

[0132]

According to the present invention, it is possible to provide a method, system, and program for managing insurance that can flexibly meet the needs of policyholders, and a program for causing a computer to realize the function of managing the insurance.

[Brief description of drawings]

FIG. 1 is an explanatory diagram illustrating an example of an insurance product managed by an insurance management system according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of guarantee contents of the insurance product described in FIG.

FIG. 3 is an insurance management system 10 according to an embodiment of the present invention.
It is a block diagram of 0.

FIG. 4 shows an internal configuration of the deposit processing unit 20.

FIG. 5 shows an example of a deposit electronic message including a contractor ID, a deposit date, a deposit amount and a category.

FIG. 6 shows an internal configuration of a reserve fund management unit 200 that realizes a part of the deposit management function of the insurance management system 100.

FIG. 7 shows an example of insurance policy reserve information stored in a reserve information storage unit 50.

FIG. 8 shows an internal configuration of a special insurance premium management unit 300.

FIG. 9 shows an internal configuration of a paid-in insurance premium management unit 400 that realizes a part of the deposit management function of the insurance management system 100.

FIG. 10 shows an internal configuration of a maximum paid insurance premium calculation unit 412.

FIG. 11 shows a flow of a deposit management method by the insurance management system 100.

FIG. 12 shows an internal configuration of a reserve fund management unit 200 that realizes a part of a paid-in insurance premium evaluation function of the insurance management system 100.

FIG. 13 shows an internal configuration of a paid insurance premium management unit 400 that realizes a part of a paid insurance premium evaluation function of the insurance management system 100.

FIG. 14 shows an internal configuration of a minimum paid insurance premium calculation unit 440.

FIG. 15 shows a flow of a method of evaluating a paid-in insurance premium by the insurance management system 100.

16 shows an internal configuration of a reserve fund management unit 200 that realizes a part of the withdrawal money management function of the insurance management system 100. FIG.

FIG. 17 shows an internal structure of a withdrawal management unit 500 that realizes a part of the withdrawal management function of the insurance management system 100.

FIG. 18 shows a flow of a withdrawal limit amount calculation method by the insurance management system 100.

FIG. 19 shows an internal configuration of a reserve fund management unit 200 that realizes a part of the contract content change management function of the insurance management system 100.

FIG. 20 is an explanatory diagram for explaining a method in which the reserve fund management unit 200 calculates a first special reserve amount and a second special reserve amount.

FIG. 21 shows an internal configuration of a guarantee adjustment unit 600 that realizes a part of the contract content change management function of the insurance management system 100.

FIG. 22 shows an internal configuration of a transfer amount calculation unit 612.

FIG. 23 shows a flow of a contract content change management method by the insurance management system 100.

FIG. 24 shows an internal configuration of a reserve fund management unit 200 that realizes a part of the function of utilizing funds at the time of expiration of the insurance management system 100.

FIG. 25 shows an internal configuration of a fund use unit 700 that realizes a part of the function of using funds at the time of expiration of the insurance management system 100.

FIG. 26 shows a flow of a method of using funds at the time of expiration by the insurance management system 100.

FIG. 27 shows the internal structure of the point management unit 800.

FIG. 28 is a table showing a relationship between points and point unit prices.

FIG. 29 shows a flow of a point management method by the insurance management system 100.

FIG. 30 is a configuration diagram showing hardware components of the insurance management system 100 according to the embodiment of the present invention.

[Explanation of symbols]

10 ... I / O unit, 20 ... Deposit processing unit, 30 ...
・ Main processing unit, 40 ... Storage unit, 50 ... Reserve information storage unit, 60 ... Contract information storage unit, 70 ... Payment amount storage unit, 80 ... Calculation formula storage unit, 90. ..Point storage unit, 100 insurance management system, 200 ... Reserve fund management unit, 212 ... Reserve fund calculation unit, 214 ... Output unit, 216 ... Writing unit, 218 ... Read unit , 300
Special insurance premium management department, 400 Payment insurance premium management department, 500 ... Withdrawal management department, 600 ... Security adjustment department, 700 ... Fund use department, 800 ... Point management Department

Continued front page    (72) Inventor Daisaku Kato             2-1-1 Marunouchi, Chiyoda-ku, Tokyo             Life insurance mutual company (72) Inventor Akinori Nomura             2-1-1 Marunouchi, Chiyoda-ku, Tokyo             Life insurance mutual company

Claims (26)

[Claims] 1. A step of receiving a payment electronic message relating to payment from an insurance policyholder, and whether the payment is a single payment of a plurality of secondary payments or a temporary deposit payment depending on the classification of the payment electronic statement. Read the process of determining and the insurance information of the insurance contract stored in the storage unit,
A step of calculating a reserve amount based on the reserve information and the amount based on the deposit electronic statement, wherein the calculated reserve amount and the insurance policyholder when the payment is a single payment among multiple payments Is compared with the insurance premiums payable for the given insurance contracts, and if this fund is greater than or equal to the premiums payable, then pay this premium from the fund and relate to this premium The step of writing the amount of money to be stored in the storage section as reserve information, and when the payment is a temporary payment, the calculated reserve amount and the insurance premium paid by one of the multiple payments are , A step of evaluating whether or not the reserve amount at a predetermined time during the premium payment period satisfies a condition regarding the maximum paid insurance premium set so as not to exceed a predetermined upper limit amount, and the calculated reserve amount and When the write premium satisfies the condition, the amounts related to the temporary turned gold, premium deposits management method characterized by a step of writing in the storage unit as a reserve information. 2. A storage unit for storing funded information of an insurance contract, a reception unit for receiving a deposit electronic message relating to payment from an insurance policyholder, and one payment among multiple payments according to the classification of the deposit electronic message. Payment determination unit that determines whether the payment is a payment or a temporary payment, a reserve calculation unit that calculates a reserve amount based on the reserve information and the amount based on the deposit message, and the payment is a multiple payment. In the case of a single payment of the above, the comparison unit that compares the calculated reserve amount with the insurance premium to be paid for the prescribed insurance contracted by the policyholder, and the insurance premium to be paid by this reserve amount. When the amount is equal to or more than the amount, an insurance premium payment unit that pays this insurance premium from the reserve amount, a writing unit that writes the amount related to this insurance premium to the storage unit as reserve information, and the payment is a temporary payment. If there is The maximum amount of premium paid is set such that the accumulated amount of premium and the premium paid by one payment of multiple sub-payments do not exceed the prescribed maximum amount at the prescribed time during the premium payment period. And an evaluation unit that evaluates whether or not a condition regarding is satisfied, the writing unit, when the calculated reserve amount and paid insurance premiums satisfy the condition, an amount related to a temporary deposit, An insurance management system characterized in that the information is written in the storage unit as reserve information. 3. The amount related to the insurance premium includes an amount of the insurance premium for a predetermined insurance, or an amount obtained by subtracting the amount of the insurance premium from a calculated reserve amount, and an amount related to the temporary deposit. The insurance management system according to claim 2, characterized in that: includes a temporary investment amount paid by a temporary investment payment, or a calculated reserve amount. 4. The storage unit stores an amount of money to be added to a reserve fund of an insurance contract as reserve information for an increase, and stores an amount of money to be subtracted from the reserve as reserve information for a decrease, When the insurance premium is paid by the premium payment unit, the writing unit writes the insurance premium to be paid in the storage unit as reserve information for the reduced amount, and the reserve amount and the paid insurance premium calculated by the evaluation unit. Is evaluated to satisfy the condition regarding the maximum insurance premium paid, the writing unit writes the temporary investment amount in the storage unit as reserve information for the increased amount, and the reserve fund calculation unit stores the stored amount. 3. The reserve amount at any time can be calculated by using the reserve information for the increased amount and the reduced amount stored in the department.
Insurance management system described in. 5. The function of receiving a payment electronic message relating to payment from an insurance policyholder in a computer, and the payment is a single payment among multiple payments or a temporary payment, depending on the classification of the payment electronic message. The function to determine whether there is, and read the insurance contract reserve information stored in the storage unit,
Based on the accumulated information and the amount of money by the payment electronic statement,
A function that calculates the reserve amount and compares the calculated reserve amount with the insurance premium to be paid for the prescribed insurance contracted by the policyholder when the payment is a single payment among multiple payments. And a function of paying this insurance premium from the reserve amount and writing the amount related to this insurance premium in the storage unit as reserve information when the reserve amount is equal to or more than the amount of the insurance premium to be paid, If the payment is a one-time payment, the calculated reserve amount and the premium paid by one payment of multiple sub-payments will not exceed the specified upper limit amount at the specified time during the premium payment period. A function that evaluates whether or not the condition relating to the maximum paid insurance premium set so as not to be exceeded is satisfied, and when the reserve amount and paid insurance premium satisfy the condition, the amount related to the temporary deposit, As the fund information And a program for implementing the function of writing to the storage unit. 6. A step of reading out funded information of an insurance contract stored in the first storage section, a step of calculating a funded amount of money based on the funded information, and a main insurance policy contracted by the policyholder. The process of calculating the minimum premium to be paid on the basis of the contents of the contract and the special contract and the reserve amount, and the maximum payment so that the reserve amount does not exceed the predetermined first amount at the specified time during the premium payment period. A step of calculating an insurance premium and a step of evaluating whether or not the insurance premium paid by the policyholder is within a range in which the minimum premium paid is the lower limit and the maximum premium is the upper limit. If the paid insurance premium is not included therein, a step of notifying information indicating that is included, and a paid insurance premium evaluation method. 7. The step of calculating the minimum premium paid is
7. The paid-in premium evaluation method according to claim 6, wherein the minimum paid-in premium is calculated so that the reserve amount at the expiration of the premium paying period does not fall below a predetermined second amount. 8. When the insurance contracted by the policyholder includes a main contract and a renewal type special contract, a basic reserve amount for maintaining the main contract is set, and the minimum paid insurance. The step of calculating the premium is a difference reserve fund that is obtained by subtracting a value obtained by multiplying the basic reserve amount and the number of times the premium has been paid from the reserve amount, and a value obtained by multiplying the insurance premium of the renewal type covenant and the remaining number of payments. A step of comparing, a step of selecting and reading a calculation formula stored in the second storage unit according to the comparison result, and a step of calculating the minimum paid insurance premium using the read calculation formula. The paid-in insurance premium evaluation method according to claim 6 or 7. 9. The step of calculating the maximum paid insurance premium comprises:
9. The paid-in premium evaluation method according to claim 6, wherein the maximum paid-in premium is calculated so that the reserve amount does not exceed a predetermined first amount when the insurance-payment period expires. 10. A first storage unit for storing reserve information of an insurance contract, a reserve information reading unit for reading out the reserve information, a reserve calculation unit for calculating a reserve amount based on the reserve information, and an insurance contract. The minimum paid premium calculation part that calculates the minimum paid premium based on the content of the main contract and special contract of the insurance contracted by the person and the reserve amount, and the funded amount at a predetermined time during the premium payment period The maximum paid insurance premium calculation unit that calculates the maximum paid insurance premium so as not to exceed the predetermined first amount, and the paid insurance premium of the policyholder is the lower limit of the minimum paid insurance premium and the maximum paid insurance premium. An insurance management system, comprising: an evaluation unit that evaluates whether or not it exists within the upper limit range. 11. The minimum paid-in premium calculation unit calculates the minimum paid-in premium so that the reserve amount at the expiration of the premium payment period does not fall below a predetermined second amount. Insurance management system described. [Claim 12] In the case where the insurance contracted by the policyholder includes a main contract and a renewal-type special contract, and a basic reserve amount for maintaining the main contract is determined, the minimum paid insurance premium is calculated. The minimum storage premium calculation unit further includes a second storage unit for storing a plurality of calculation formulas for calculating the difference, and a difference reserve fund obtained by subtracting a value obtained by multiplying the basic reserve amount by the number of times the premium has been paid, from the reserve amount, A first comparing unit that compares the renewal insurance premium with a value obtained by multiplying the remaining number of payments; and a first comparing unit that selects and reads a calculation formula stored in the second storing unit according to a comparison result. 11. The calculation formula reading unit, and the first calculation unit for calculating the minimum paid insurance premium by using the read calculation formula, characterized by including.
The insurance management system described in 1. 13. The maximum paid-in insurance amount calculation unit has a second calculation unit that obtains the maximum paid-in insurance amount so that the reserve amount does not exceed a predetermined first amount when the insurance premium payment period expires. The insurance management system according to any one of claims 10 to 12. 14. The reserve information includes balance information of reserve funds and change information regarding reserve funds generated after the calculation of the balance information, and the balance information and the change information at a predetermined time. 14. A writing unit for updating the balance information and writing the balance information in the first storage unit by using.
Insurance management system according to any one of. 15. The insurance management according to any one of claims 10 to 14, further comprising a security content determination unit that determines security content after that based on a reserve amount when the insurance premium payment period expires. system. 16. The insurance contract includes a main contract, a renewal type special contract and an all-year type special contract, and when the basic reserve amount for maintaining the main contract is set, the basic reserve amount, When the first combined amount is higher than the paid insurance premiums, the second comparison section that compares the first combined amount of renewal-type special insurance premiums and all-year-type special insurance premiums with the insurance premiums paid by policyholders And the second total amount of the basic reserve amount and all-year special insurance premiums,
A third comparison unit that compares the paid-in insurance premium, a fourth storage unit that stores a plurality of formulas for calculating the withdrawal limit amount from the reserve amount, and a fourth comparison unit based on the comparison result by the third comparison unit. A second calculation formula reading unit for selecting and reading a calculation formula stored in the storage unit; and a third calculation unit for calculating a withdrawal limit amount from the reserve amount using the read calculation formula. Claim 1
The insurance management system according to any one of 0 to 15. 17. If the insurance contracted by the policyholder does not include a full-term special contract, the second comparison unit and the third comparison unit set the full-term special insurance premium to zero. The insurance management system according to claim 16, wherein the comparison process is performed. 18. Based on the function of reading out the fund information of the insurance contract stored in the first storage unit to the computer, and the contents of the main contract and special contract of the insurance contracted by the policyholder and the fund information. , A function to calculate the minimum paid premium, a function to calculate the maximum paid premium so that the reserve amount does not exceed the specified amount at a specified time during the premium payment period, and the insurance premium paid by the policyholder Is a function that evaluates whether or not it is within the range where the minimum paid premium is the lower limit and the maximum paid premium is the upper limit, and when the paid premium is not included in the range, to that effect A program for realizing the function of notifying the indicated information. 19. A method for managing a change in insurance contract content, comprising the step of determining whether or not the contract content change time corresponds to an appropriate period that serves as a basis for contract content change, and a first storage unit. The process of calculating the first reserve amount for the contract before the change at the time of the change based on the special reserve information of the insurance contract stored in Under the assumption that the contract contents after the change have been transferred at the time of the application, the process of calculating the tentative second reserve amount for the contract after the change at the changing period, the first reserve amount and the second reserve amount Calculating a transfer amount to be added to or subtracted from the main contract reserve, based on the amount, and storing the amount related to this transfer reserve as main contract reserve information in the second storage unit. Change management of contract contents Law. 20. The step of calculating the transfer amount includes the step of comparing the special insurance premium before the change and the special insurance premium after the change, subtracting the cancellation fee from the first reserve amount, and returning the cancellation. If the process of calculating the money and the special insurance premium after the change are lower than the special insurance premium before the change, the cancellation fee is multiplied by the ratio of the special insurance premium after the change and the special insurance premium before the change, 20. The contract content change management method according to claim 19, further comprising: a step of calculating an additional amount of money, a cancellation refund, and a step of calculating an amount of transfer based on the additional amount of money. 21. A step of calculating a minimum paid insurance premium by using the reserve information stored in the second storage section and the special insurance premium according to the changed contract content; and a lower limit condition for the minimum paid insurance premium. 21. The method for managing change of contract content according to claim 19 or 20, further comprising: a step of evaluating an insurance premium paid by an insurance policyholder. 22. An insurance management system for managing changes in the contents of insurance contracts, comprising a time judgment unit for judging whether or not the time for changing the contents of the contract corresponds to the applicable time period that serves as the basis for changing the contents of the contract. Based on the first savings unit that stores the special savings information of the insurance contract, and the special savings information stored in the first storage unit,
The first reserve amount for the contract before the change at the time of the change is calculated, and if the change time does not correspond to the applicable period, it is assumed that the insurance contract has been transferred to the changed contract content at the time of the last applicable period. Below, a reserve fund calculation unit that calculates a provisional second reserve amount for the contract after the change at the time of the change, a second storage unit that stores the main contract reserve information of the insurance contract, the first reserve amount and the first reserve amount 2 A transfer amount calculation unit that calculates a transfer amount to be added to or subtracted from the main contract reserve amount, and a writing unit that writes an amount related to the transfer amount as main contract reserve information in the second storage unit. An insurance management system characterized by having. 23. The transfer amount calculation unit is a comparison unit for comparing the special insurance premium before the change and the special insurance premium after the change, and the cancellation refund money after subtracting the cancellation fee from the first reserve amount. If the special insurance premium after the change is lower than the special insurance premium before the change, the cancellation fee will be multiplied by the ratio of the special insurance premium after the change and the special insurance premium before the change. 23. The insurance management system according to claim 22, further comprising: an additional amount calculation unit that calculates an additional amount, and calculates the transfer amount based on the surrender value and the additional amount. 24. A minimum paid insurance premium calculation unit for calculating a minimum paid insurance premium using the reserve information stored in the second storage unit and the special insurance premium according to the changed contract content, and the minimum paid premium. 24. The insurance management system according to claim 22 or 23, further comprising: an evaluation unit that evaluates an insurance premium paid by an insurance policyholder with an insurance premium as a lower limit condition. 25. The second storage unit stores the amount of money to be added to the main contract reserve fund as reserve information for the increase amount, and stores the amount of money to be subtracted from the main contract reserve fund as reserve information for the decrease amount. The writing unit may write the transfer amount in the second storage unit as main contract reserve information for an increase or a decrease depending on whether the transfer should be added to or subtracted from the main contract reserve. The insurance management system according to claim 22, wherein the insurance management system is a system. 26. A function of making a computer determine whether or not the time to change the insurance contract content corresponds to the application time to be the basis for changing the contract content, and the special contract of the insurance contract stored in the first storage unit. A function to calculate the first funded amount of the contract before the change at the time of change based on the funded information, and the contract after the change at the time of the immediately preceding cover of the insurance contract when the change time does not correspond to the applicable time Based on the assumption that the content has been transferred, the main contract fund is calculated based on the function of calculating the provisional second reserve amount of the contract after the change at the time of the change and the first reserve amount and the second reserve amount. A program for realizing a function of calculating a transfer amount to be added to or subtracted from money and storing an amount related to the transfer amount as reserve information in the second storage unit.