JP2003337888A - Information processing apparatus, insurance information management method, information processing method, program for performing the same method, information recording medium in which the same program is recorded, insurance information management system and information processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information processing apparatus, an insurance information management method, an information processing method, a program for performing the methods, an information recording medium in which the program is recorded an insurance information management system and an information processing system for promptly and surely finding the optimal combination of merchandise by making affairs efficient by unitarily managing insurance information and totally grasping subscribed merchandise. <P>SOLUTION: The information processing apparatus 10 manages the insurance information and comprises a transition calculation means for calculating transition of various kinds of insurance information by age in a specific period respectively for the respective pieces of merchandise regarding the respective insurance amounts of the insurance information of a plurality of pieces of merchandise and a control means for performing control so that results calculated by the transition calculation means are displayed in a table form. In addition, the control means makes calculation results of the transition calculation means into a graph. Furthermore, the control means grades merchandise and lists the graded merchandise with various kinds of the insurance information. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information processing apparatus, an insurance information management method, an information processing method, a program for executing these methods, an information recording medium recording the program, an insurance information management system and an information processing system. In particular, the present invention relates to software for comparing and managing various private insurances according to each product.

[0002]

2. Description of the Related Art Conventionally, companies provide compensation to employees and executives in the form of legal welfare expenses, while purchasing private insurance in order to enhance employee welfare.

Here, the private insurance includes, for example, general industrial accident insurance, life insurance, and the like, and the public insurance includes, for example, government industrial accident, employee pension, and health insurance.
Furthermore, in this type of insurance, insurance companies are also offering various products.

By the way, in recent years, it may be assumed that the life insurance company may suffer the risk of going bankrupt due to various causes such as the economic downturn, that is, an unexpected disadvantage.

From such a long-term risk diversification perspective, it is often attempted to diversify among multiple insurance companies. In particular, in small and medium-sized enterprises, it is the fact that almost no attempts have been made to compare the insurance of each company and to reduce costs and enhance the content. This is because, unlike large companies, there is no dedicated person in charge, insurance management is complicated, and it is not easy to negotiate equally with insurance companies.

[0006] Further, in order to procure retirement benefits for officers, insurance is also purchased with a view to canceling at a predetermined time. Even in such a case, comparison examination of products of insurance companies The current situation is that it has not been done.

Therefore, it is considered effective to outsource such a function to an expert.

[0008] As a prior art which performs such a function, for example, there is an insurance service providing server disclosed in Patent Document 1 below. This is a product that meets this condition when the applicant for insurance purchase registers personal information, provides a list of compensation items common to the products of each insurance company, and selects whether or not each compensation item is necessary. Are searched from the database and displayed as a list, and a rough trial calculation is performed on the products selected from the list.

As described above, this insurance service providing server is intended for use by an insurance purchase applicant who does not have specialized knowledge about insurance, and it is a good idea for an insurer to purchase any type of insurance. Since it does not provide a means to compare, and there is no way to judge which product among multiple products of the same type is suitable for one's life plan (only the calculated high and low insurance premiums), After all, the insurance purchaser can only select products based on his own judgment.

In the insurance search system disclosed in Patent Document 2, a person who wants to purchase insurance, the type of insurance he / she wants to buy, and conditions for ranking (high or low insurance premium, high withdrawal refund, etc.). ) Is input, products corresponding to this are searched and displayed in order of rank. This insurance search system provides information for wider insurance selection than the insurance service providing server described in Patent Document 1.

[0011] However, since it is not possible to provide, for example, the change in cancellation refund within the insurance period, it can be said that it is difficult to promote a comprehensive judgment taking the entire insurance period into consideration. Further, since this also provides information to those who want to purchase insurance, it is not possible to carry out a specialized comparison study such as selection judgment by combining various insurance information. Also, considering the complexity of insurance products, it is difficult to assert that there is a proportional correlation between the ranking under simple conditions and the suitability of products for insurance purchase applicants.

In view of the recent entry of overseas insurance companies due to deregulation and the diversification of insurance products, and the growing need for consumers and companies to actively operate insurance for future designs. However, it is difficult to sufficiently deal with the above-mentioned conventional system, which is also called an insurance agency via a network.

[0013]

[Patent Document 1] JP-A-2002-133120 (paragraphs [0022]-[0026], FIG. 3)

[Patent Document 2] JP-A-2002-63362 (paragraphs [0020]-[0025], FIG. 2)

[0014]

By the way, when purchasing the above-mentioned private insurance, the insurance specialists are scattered, so that the insurance is duplicated, or conversely the pitfalls are covered. The reality is that it is implemented without it. For this reason, it has been desired to centralize and manage information on these various insurances.

In particular, the user makes a judgment such as which insurance company has the cheapest product, which product is the most effective withdrawal repayment at a desired time, and how to make an effective combination of insurance. There was a problem that it was difficult to do.

[0016] Further, since tax matters are complicated and complicated, there are omissions of claims when claiming insurance money.
There was a problem that the office efficiency became complicated. Further, conventionally, it was necessary to refer to each insurance policy one by one, and the contents could not be easily grasped.

The present invention has been made in view of the above circumstances, and the purpose thereof is to centralize and manage various insurance information, thereby making it possible to improve office work efficiency and to have already subscribed. Information processing device, insurance information management method, and information processing method that enable comprehensive and comprehensive understanding of various product combinations to quickly and surely optimize product combinations based on the needs of insurance purchasers It is to provide a program for executing these methods, an information recording medium recording the program, an insurance information management system, and an information processing system.

[0018]

In order to achieve the above object, an invention according to claim 1 is an information processing apparatus for performing information processing for managing insurance information about insurance or a security, and is provided with a plurality of information processing apparatuses. With regard to each insurance amount of insurance information of different products, at least a transition calculating means for calculating the transition of the insurance amount for each product for each age in a specific period from the time of joining to the expiration of the period, and the transition calculating means. Control means for controlling the display result of the calculated result to be displayed in a tabular form.

In order to achieve the above object, the invention according to claim 11 is an insurance information management method for managing insurance information about insurance or a policy by using an information processing device owned by a user. A first display step configured to include an input screen for inputting the insurance information based on a user's operation input, and displaying a basic menu screen of a management file for managing the insurance information; Based on the input information input on the input screen by the operation input of, for each at least one insured person, each insurance amount for each age within a specific period of the insurance information A calculation step for performing a calculation for generating and a transition of each insurance amount for each age for each product, at least for each insured, based on the calculation result. A second display step of displaying in,
An insurance information management method comprising:

In order to achieve the above object, the invention according to claim 28 is such that a database storing insurance information on various products handled by insurance companies is provided so as to be accessible, and desired from the products stored in the database. An information processing device for performing information processing for selecting a product, the search condition providing means for providing information on a search condition for searching the database, and the search set based on the search condition providing means. Search means for searching the database for the product corresponding to the conditions, and insurance information of the product searched by the search means,
Includes a transition calculating unit that calculates a transition of the insurance information in a specific period from the time of joining to the expiration of the period, and a control unit that controls to display the calculation result by the transition calculating unit in a table format. It is characterized by

In order to achieve the above object, the invention of claim 38 accesses a database storing insurance information on various products handled by insurance companies, and selects desired products from the products stored in the database. An information processing method for performing information processing for selecting a search condition, the search condition providing step of providing information on a search condition for searching the database, and the search condition set based on the search condition providing step. A search step of searching the database for the corresponding product,
With respect to the insurance information of the product searched in the searching step, a transition calculating step of calculating a transition of the insurance information in a specific period from the time of joining the plan to the expiration of the period,
An information processing method, comprising: a control step of controlling the display result of the transition calculation step to be displayed in a tabular format.

[0022]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, an example of a preferred embodiment of the present invention will be specifically described with reference to the drawings. The present invention includes an insurance information management system, an insurance type comparison system, and an insurance product comparison system, and the following description will be given in this order. Since the hardware configuration is common to all systems, it will be described in detail in the first description of the insurance information management system, and thereafter, it will be referred to as appropriate. The software configuration for executing each system will be described in detail in the description of each system.

[Insurance Information Management System] [First Embodiment] (Overall Configuration of System) First, the features of the present embodiment are as follows.
For insurance policies such as life insurance, when insurance information such as insurance or securities is entered in various items on the input screen, for example, a table format that summarizes the amount of money for each insured person's insurance product In addition to being displayed, specific parameters (for example, changes in surrender value for each age) are displayed and formed, for example, in a graph form, and the data is generated and output as a picture.

[0024] Furthermore, for example, it is estimated how many years after which various insurance needs to be insured, and how much will be returned if canceled, and tax effects etc. are automatically calculated and displayed and expressed visually. There is a point that can be done.

Prior to a concrete description of the configuration of such a characteristic display screen, the general configuration of the insurance management system, which is a prerequisite for operating the application software of the insurance information management system of the present invention, Especially, regarding the overall schematic configuration of the hardware, FIG.
Will be described with reference to. FIG. 1 is an explanatory diagram showing a schematic configuration of an information processing apparatus in which software of an insurance information management system of this embodiment is installed.

The information processing apparatus 10 according to the present embodiment is, for example, a general personal computer on which application software of an insurance information management system is installed. As shown in FIG. 12, operating system 20,
It is configured to include a protocol management unit 24 and insurance information management system software 30 which is application software.

The hardware system 12 typically includes the physical components of the information processing device 10.
In other words, the hardware system 12 operates the display unit 14b which is a display unit for displaying various information and the like, and the operation input for operating the computer and inputting data on the display screen of the display unit 14b. An operation unit 14a, which is a unit, a storage unit 14c, which is a storage unit for storing various data, a communication unit 14d, which is a transmission / reception unit for transmitting and receiving data, and a central processing unit which controls these units. CPU 14i as a control means
And the input / output interface 14e, the display interface 14f, the storage interface 14g, and the network interface 1 which are these interfaces.
4h is included.

The operation unit 14a is formed of, for example, a keyboard and / or a pointing device such as a mouse, and the like, and can provide an input to a computer via these.

The storage unit 14c is a floppy (registered trademark)
Disk, hard disk drive, magneto-optical disk drive, magnetic tape, CD-ROM and many other non-volatile storage devices, random access memory (R
AM), static RAM or cache and / or read only memory (ROM).

The communication unit 14d can be connected to one or more other computers using a wired or wireless communication channel such as a modem communication path, a computer network, or the Internet. further,
Any of several types of output devices can be connected to the computer, including plotters, printers, laser printers, and other copiers. Although the server 60 having the database 70 storing various insurance information is accessible here, the configuration is used in an insurance type comparison system and an insurance product comparison system described later.

The display interface 14f is formed of, for example, a video interface / adapter or the like, is connected to the display unit 14b, and provides a video signal from the computer module for display on the display unit 14b.
The image or video capture device can optionally be connected to a computer module via an interface as a source of digital image or video sequences.

The operating system 20 processes the operation of hardware and executes management software applied to the inside of the information processing apparatus 10 to execute various tasks, for example, from the operation unit 14a via the input / output interface 14e, An input / output management unit 22a that receives a control signal activated by a user, a drawing management unit 22b, a file management unit 22c, and the like are included.

The input / output management unit 22a processes the user's command and transfers it to the application software operating at that time, in this case, the insurance information management software 30. Insurance information management software 30
It includes output to the file management unit 22c included in the operating system 20.

The file management unit 122c provides access to files and folders stored in the storage unit 114c, which are accessed inside the hardware system 112 via a storage interface 114g such as a disk I / O interface.

The drawing management unit 22b provides contents including a display image on the display unit 14b via the display interface 14f based on various components related to the contents from the application software 30. That is, the operating system 20 can provide the display of the content included as a component as an interactive graphical user interface to the file management unit 22c that operates inside.

The protocol management unit 24 uses, for example, TCP /
IP or the like is implemented, and the packet or the like transmitted / received from the communication unit 14d through the network interface 14h is collected data is restored according to a predetermined protocol or vice versa, and the operating system 20 is used.
Alternatively, it manages data communication control directly with the insurance information management system software 30 which is an application.

Insurance information management system software 30
Contains specific routines that are configured to perform the tasks the user desires. The operating system 20 and insurance information management system software 30 can reside in storage 14c, such as a permanent storage device or memory, or can be temporarily loaded into storage 14c.

The above description of the insurance information management system software 30 is similarly applied to the insurance type comparison software 40 and the insurance product comparison software 50 described later.

The insurance information management system software 30 manages information such as insurance information input from an entry screen, which will be described later, or basic information including calculation formulas and various parameters related to insurance, and various sheets. Based on the section 32 and the input insurance information, various calculation processes such as calculation for calculating death protection amount, insurance premium and cancellation refund according to age, and calculation necessary for calculation of investment effect, etc. will be performed. An arithmetic processing unit 35 that is an arithmetic processing program to be executed, an information generating unit 36 that generates an individual contract content list sheet, which will be described later, by using various sheets based on the arithmetic result calculated by the arithmetic processing unit 35, UI (user interface) displayed when using programs such as insurance information management system software UI module 3 for displaying
7 and the like are formed. Of course, other than this, various application software may be installed.

The information management unit 32 includes basic information 32 and various sheets 34 including insurance information input from an input screen as an Entry sheet or calculation formulas and various parameters related to insurance.

The arithmetic processing unit 35 calculates, with respect to each insurance amount of insurance information of a plurality of different products, at least the transition of the insurance amount for each product for each age in a specific period from the time of joining to the expiration of the period. Transition calculation means, analysis means for performing various analyzes on the insurance information, investment effect at the expiration of the insurance period, or investment effect calculation means for calculating investment effect at each disassembled age, based on the insurance information, It includes a retirement allowance simulation means for calculating the amount of retirement allowance for each age at retirement and performing a simulation of retirement allowance payment.

In this example, the insurance information management system software 30 includes a number of components not shown.

In the information processing apparatus 10 having such a configuration, when the insurance information management system software 30 is activated (when an icon or the like is clicked), the program operates and various display screens to be described later are displayed on the display unit. 14b is displayed.

(Software Module Configuration) As shown in FIG. 2A, the overall software structure of the insurance information management system software 30 includes various sheets 34 and an input screen to provide basic information. Ent for input
and a ry structure 38.

The various sheets 34 are "W_Entry",
"Hyosh", which is a cover sheet creating means for creating a cover sheet.
i ”, S, S2, and P, which are security amount sheet creating means for creating a security amount transition sheet, are P, P, which are insurance premium transition sheet creating means for creating an insurance premium transition sheet.
2. Cancellation refund sheet creation means V, V2, change history, individual contract content list sheet creation means “Kobetsu” for creating a transition refund payment sheet , A means for creating a sheet showing the relationship between insurance premiums and churn rates
obetsu2 ”, individual contract content list (countermeasures) sheet creation means for creating individual contract content list (countermeasures) sheet,“ Kobe_tai ”, temporary,“ V ”
_Entry4 ”,“ Te that makes up various templates
mp ”, Bun, which is a disassembly sheet creating means for creating various disassembly sheets for various analyzes, and“ Bun_
"0", "Bun_1", "Bun_2", "Bun_"
3 ”,“ Bun_4 ”,“ Bun_5 ”,“ Bun_ ”
6 "," Bun_7 "," Bun_8 "," Bun_ "
9 "," WK "for configuring the work area," He "
lp ”and the like.

Further, as shown in FIG. 2B, the information generating unit 36 creates a death protection amount transition table creating means 36a for creating a death protection amount transition table and an insurance premiums transition table. Insurance premium transition table creating means 36b, surrender refund payment transition table creation means 36v, and disassembly sheets for creating disassembly sheets for each insurance product. Creating means 36d, individual contract content list creating means 36e for creating an individual contract content list,
It is configured to include.

The CPU 14i having the hardware structure, the information generating unit 36 having the software structure, and the information managing unit 32 of the present embodiment can constitute the "control means" of the present invention. The control means controls to display the result calculated by the transition calculation means in a tabular format. In addition, the total insurance amount for each age is calculated, and the total insurance amount is displayed for each age and graphed.

Further, the control means controls to display the transition of the amount of money by age relating to the ordinary death protection amount for each product, and displays the transition of the amount of money related to cancellation withdrawal by age for each product. The change in the amount of money for each age related to the annual insurance premium is displayed for each product, and the amount of each cumulative insurance premium for each age of the annual insurance premium is displayed for each product.

Further, the control means displays the analysis result of the analysis means as a graph relating to the correlation between age and the insurance amount, and calculates the investment effect based on the calculation result of the investment effect calculation means. Then, control is performed so that the simulation result by the retirement allowance simulation means is displayed.

Further, the control means analyzes the term insurance information, the term life insurance information with term, the life insurance information analysis result, the endowment insurance information analysis result, and the variable life insurance information analysis result. Is displayed.

(Regarding Entry Structure Diagram) Next, the entry structure diagram will be described with reference to FIG.

The Entry structure 38 is, as shown in FIG. 3, an input field 3 into which basic information of insurance policy is input.
8a, master area 38b, age wk area 38c,
Automatic update age area 38d, automatic update wk area 38
e, "S_Table" 39a, "P_Table" 3
9b, "ANP_Table" 39d, "increment_Table"
le ”39e,“ increment adjustment_Table ”39f,“ accounting process_Table ”39g,“ capitalization_Table ”
"e" 35b, "deduction / table_table" 35c, "cumulative capitalization_table" 39h, "cumulative deduction_Ta"
ble ”39i,“ WK_Area ”35a, and the like.

When there is an automatic update, the automatic update age area 38d displays the automatic update age up to four times for each of the main contract / special contract.

Data for input form selection is defined in the master area 38b. The types of masters are "for insurance company selection", "for insurance age determination", "age category",
There are "payment method", "sex", "presence / absence of automatic renewal", "gradual increase / decrease classification", "main contract automatic renewal age", "automatic renewal years", etc.

The "S_Table" 39a is a table which is the basis of various calculations necessary for displaying the insurance money for each of the main contract / special contract during the period from the start age to the end age. In addition, in the case of incremental term insurance, the incremental rate is also reflected.

The "P_Table" 39b is a table which is the basis of various calculations necessary for displaying the insurance premiums during the period from the start age to the end age according to the main contract / special contract / combination.

The "ANP_Table" 39d is a table which is the basis of various calculations necessary for displaying the annual insurance premiums during the period from the start age to the end age by the main contract / special contract / combination.

The "increasing_Table" 39e is a table which is the basis of various calculations necessary for displaying the increasing amount of insurance for the period from the start age to the end age.

The "increasing adjustment_Table" 39f is a table which is the basis of various calculations necessary for displaying only the increasing portion of the guarantee amount of the increasing term insurance during the period from the starting age to the ending age.

"Capitalization_Table" 35b calculates the capitalized amount. "Deductions / Tables" 35c
Is a table on which various calculations necessary for calculating the deduction amount are calculated. "Cumulative asset recording_Table"
39h is a table which is the basis of various calculations necessary for displaying the cumulative total of the capitalized amounts.

"Cumulative tax deduction_Table" 39i is
It is a table that is the basis of various calculations necessary for displaying the cumulative total of deductions. In addition, "asset count_Table", which is a table that is the basis of various calculations required to calculate the coefficient for calculating the asset count, and is necessary for calculating the coefficient for calculating the deduction amount. "Loss factor_Ta" that is a table that is the basis of various calculations.
ble ”or the like.

The "WK_Area" 35a includes a countermeasure age display processing unit (not shown: the same applies hereinafter) for performing various calculations necessary to display the age at which the countermeasure has been taken (display 999 if not done). Regardless of age or year of maturity, the contract end age (main contract) display processing section that performs various calculations necessary to display and process the age at the end of the main contract, and the main contract regardless of age or maturity The contract end year (main contract) display processing unit that performs various calculations necessary to display the year until the end, and displays the age until the end of payment of the main contract, regardless of the year and year of maturity The payment end year (main contract) display processing unit that performs various calculations required to perform the various calculations necessary to display the period (year) until the end of the main contract payment, regardless of age and maturity. Payment end year (main contract) display area And part configured to include a (both not shown).

The "WK_Area" 35a is an ANP (main contract) display processing unit (not shown: the same applies hereinafter) for performing various calculations necessary for displaying the annual insurance premium of the main contract.
And, regardless of age or year of maturity, the contract end age (special term) display processing unit that performs various calculations necessary to display and process the age at the end of the special contract, and regardless of age or maturity,
The contract end year (special contract) display processing unit that performs various calculations required to display the year until the end of the special contract, and to display the age at the end of the special payment regardless of the year and year of maturity End-of-payment (special contract) display processing unit that performs various required calculations and end of payment that performs various calculations required to display the period (year) until the end of special-payment payment regardless of age and year of maturity Year display processing unit (both not shown)
It is configured to include.

Further, the "WK_Area" 35a is an ANP (special contract) display processing unit (not shown: the same applies hereinafter) for performing various calculations necessary for displaying the special annual insurance premium.
And, after the last automatic renewal, the automatic renewal end age display processing unit that performs various calculations necessary to display the age at which the insurance contract expires, and the period until the insurance contract expires after the last automatic renewal ( The automatic update end age display processing unit that performs various calculations necessary for display processing, the S total display processing unit that performs various calculations necessary for displaying processing of the total amount of guarantee of the master and slave, and the master and slave An ANP total display processing unit that performs various calculations necessary to display and process the total annual insurance premium,
It is configured to include a paid contract end year display processing unit that performs various calculations required to display the age at which the paid contract ends, (all not shown).

Furthermore, "WK_Area" 35a
Is a pension judgment display processing unit (not shown: the same applies below) that performs various calculations necessary for displaying the pension amount at the time of pension
And a gradual increase / decrease display processing unit that performs various calculations required to display the gradual increase, and a special ANP that performs various calculations necessary to display and process the cumulative total of the annual insurance premiums
Cumulative display processing unit, non-automatic renewal end age (main contract) display processing unit that performs various calculations necessary to display the main contract end age when it is within the automatic renewal contract, and within the automatic renewal contract Performs various calculations required to display the special treatment end age of the non-automatic update end age (special treatment) display processing unit and performs various calculations necessary to display the cumulative total of insurance premiums up to the current age With the current age cumulative insurance premium display processing unit,
Of the cumulative total of insurance premiums up to the current age, the current age cumulative insurance premium (main contract) display processing unit that performs various calculations required to display the main contract portion, and the cumulative total of insurance premiums up to the current age Of these, the current age cumulative insurance premium (special contract) display processing unit that performs various calculations required to display the special contract part, and the special contract that performs various calculations necessary to display the cumulative total of premiums at the end of the special contract Accumulated insurance premiums at the end of the special premium (main contract), which performs various calculations necessary to display the main contract part of the cumulative total insurance premium display processing unit at the end of the special treaty
It is necessary to add the display processing unit, the total insurance premium at the end of special contract (special contract) display processing unit that performs various calculations necessary to display the special contract portion of the total premium at the end of the special contract, and the insurance age. In the case of a certain company, the insurance age presence / absence display processing unit that performs various calculations necessary to display the flag "1" and the automatic update interval that performs various calculations necessary to display the automatic update interval of the main contract (Main contract) display processing unit,
It is configured to include an automatic update interval (special feature) display processing unit that performs various calculations necessary to display the special automatic update interval (not shown).

(Characteristic Configuration of this Embodiment) Here, the feature of this embodiment is that in insurance policies such as life insurance,
When insurance information such as insurance or securities is entered into various items on the input screen, for example, a list of tabulated infor- (For example, the change in the surrender value for each age, etc.) is displayed in a graph, for example, and the data is generated and output as a picture.

Furthermore, for example, it is estimated how many years after each type of insurance needs to be applied, and how much will be returned if the contract is cancelled, and the tax effect and the like are automatically calculated to be visually displayed and expressed. There is a point that can be done.

That is, first, an clerk or the like inputs various insurance information relating to the insurance policy in the color-displayed portion on the input screen while referring to the items of the insurance policy that the corporation has joined. When the insurance information is input, a list is automatically generated. Thereby, for example, even when the insurance policy is lost due to a fire or the like, it is possible to confirm later based on the insurance information. Further, by inputting on one type of input screen, all types of charts can be displayed. Furthermore, the input items on the input screen are efficiently formed in a sheet shape, and the input movements can be performed smoothly, reducing the complexity of inputting insurance information one by one as in the past and reducing the input operation. I'm done.

There are various types of insurance depending on the type of insurance, such as the age of the renewal depending on the type of insurance. A database of the type corresponding to these types of insurance is prepared and recognized. By setting, for example,
It is also possible to display at a glance how many years of compensation and how much compensation will continue, such as the transition of compensation, making it easier for users to understand the insurance content.

Furthermore, an estimate of the insurance premium, for example, an estimate when renewing the insurance premium and the like, is calculated such that the future increase or decrease depending on the type of insurance, and at the same time the cumulative total is how much the insurance premium is. Whether to pay is also calculated automatically. By the way, it is possible to estimate and calculate the age at which the insurance is renewed by each insurance company, or the number of years in which it will be renewed. In addition, changes in cancellation payments can be automatically calculated.

As described above, it is possible to easily visually grasp how much money is returned to each age for each insurance and the like by the length, and a company can estimate the situation such as retirement allowance. For individuals, it is suitable for use for purposes such as estimating savings.

At this time, the amount of refund or the like is represented by the length for each year, and in particular, the bar graph display means the total sum. In each case, consider the age at which you will return, for example, how much you will get at the retirement allowance of company A at the age of 65 or at the age of 70. For each insurance, how much insurance money (reimbursement) there is will be automatically calculated by putting in the age in order to put out.

As a result, it is possible to judge a criterion such as a large retirement allowance and a small retirement allowance. As a result,
For example, it is possible to determine whether the insurance is a one-off insurance or a savings insurance, and it is possible to know what kind of insurance is currently enrolled.

Further, when used in an accounting office, miscellaneous income, accumulation of insurance money, etc., how this actually changes in accounting processing, which insurance should be stopped first, etc. It is possible to make various estimations such as calculating refunds, etc., and these are also configured to support tax rates according to each insurance.

As a result, it is possible to meet the user's need to make a profit when the user is in the red and to save tax when the user is not.

By simply inputting information on the first input screen, such visualized information can be automatically output. By visualizing the insurance content, the insurance content, image The convenience in explaining is improved. Furthermore, it is possible to calculate and compare which insurance company has the cheapest product.

Further, whether the amount of money accumulated by a certain officer, such as an officer / retirement allowance, or insurance is in preparation for the retirement allowance of the officer for the company or how much is compensated when he / she works, the tax law Alternatively, it can be compared with various data such as the world market price to prompt a judgment as to whether or not there is a match. At this time, it is possible to match the retirement allowance design of the officer with insurance.

Further, since it becomes possible to automatically calculate and provide the insurance analysis result information required by the accounting office, it is necessary to understand how to improve the tax effect with the property of the company. It can be used by the office to consult customers.

The functions include creating a death insurance amount transition table, creating an insurance premium transition table, creating a cancellation repayment fee transition table, creating a disassembling sheet for each insurance product, and listing individual contract details.

At this time, as a realization method, for example, a numerical value for each age is calculated in the work area based on the basic information of the insurance policy. Here, the basic information includes a contractor name, an insured name, a death benefit recipient, a contract date, a security number, a payment method, and the like.

In other words, the numerical value is set on the sheet for each function based on the calculated numerical value of the work area.

(Regarding Display Screen) Next, a feature of the present embodiment, that is, a specific configuration of the display screen of the insurance information management system software that has the above-mentioned configuration as a software module configuration An example of screen development in the information management system will be described. In addition,
"Basic menu screen of management file", "input screen",
"Insurance premium manual sheet display screen", "Insurance type name acquisition screen", "Countermeasure selection screen", "Individual contract details (list) sheet display screen", "Individual contract details list (measures)"
Sheet display screen "," guarantee amount transition sheet display screen ",
"Insurance premium transition sheet display screen", "Currency refund sheet display screen", "Term insurance analysis disassembly sheet display screen",
"Disassembly sheet display screen of term life insurance", "Disassembly sheet display screen of life insurance analysis", "Disassembly sheet display screen of endowment insurance analysis", "Disassembly sheet display screen of variable life insurance analysis", The "retirement payment simulation display screen" will be described in order.

(Regarding Management File Basic Menu Screen) First, the management file basic menu screen in the insurance information management system will be described with reference to FIG.

As shown in the figure, the basic menu screen 100 of the management file includes a cover operating section 101 for creating a cover in which the name of the contractor is written, and a list of individual contracts of the insured person (details will be described later). However, for example, the individual contract list operation unit 10 for generating a display screen as shown in FIG.
2 and measures for individual contract list (details not shown,
For example, in the sheet <screen> as shown in FIG. 10, a sheet with a column for countermeasures), an individual contract list countermeasure section operation unit 103, and a death protection amount transition sheet (for example, the sheet shown in FIG. 13) ) Is generated, an insurance premium transition sheet generation operation unit 104 for generating an insurance premium transition sheet, an insurance premium transition sheet generation operation unit 105 for generating an insurance premium transition sheet (for example, the sheet shown in FIG. 14), and a cancellation refund transition sheet (For example, the sheets shown in FIG. 15) to generate a surrender and refund money transition sheet generation operation unit 106, and to generate decomposition sheets (for example, various sheets shown in FIGS. 16 to 19) of analysis results of various insurances. Disassembly sheet generation operation unit 1
07 and a sheet showing the correlation between the insurance premium and the churn rate (details are not shown, for example, a sheet similar to FIG. An insurance premium and a churn rate generation operation unit 108 for generating a total value such as cumulative insurance premiums and the like, and a simulation result of an officer retirement allowance simulation (details will be described later, for example, a sheet shown in FIG. 20). And a measure for executing the trial version for countermeasures (which will be described later in detail, for example, prompts the display of a countermeasure selection screen as shown in FIG. 9B). The trial version operation unit 110 is included.

In addition to these, for example, a vertical simulation screen displaying a list of simulation results and a graph showing the death protection amount and the real return rate for each age of the insured (printed as it is and displayed on the client It may be designed to have a button for prompting the display of (the documents to be submitted), a button for prompting acquisition of data regarding a refund not listed on the security, and the like.

Furthermore, the basic menu screen 100 of the management file has various input moving operation units for moving the input of the display portion or the input portion of the input screen 200, and has attributes (more specifically, contract date). ) And an attribute operation unit 111 for input movement to the area of the display item, and a main operation for input movement to the area of the main display item (for example, an area of reference numeral 220 shown in FIG. 6 which will be described in detail later). The operating unit 112, a special operating unit 113 for inputting and moving to a region of a special display item (details will be described later, for example, a region of reference numeral 230 shown in FIG. 6, etc.), and a guarantee amount for performing an input related to the guarantee amount. A security operation unit 114 for displaying an input sheet screen (details will be described later, for example, S_Table as indicated by reference numeral 282 in FIG. 7), and a display item of annuity (details will be described later, but is an example. Area code 260 shown in field 6, etc.)
Pension operation unit 115 for input movement to the area of
A main_multiplication operation unit 116 for inputting and moving to a region of a progressive display item (details will be described later, for example, a region of reference numeral 240 shown in FIG. 6, etc.), and a special_multiplication operation item (details will be described later A special multiplication unit 117 for inputting and moving to a region such as a region 250 shown in FIG. 6) and an insurance premium input sheet screen (for example, ANP_T) for performing an input related to the insurance premium.
insurance operation unit 118 for displaying (e.g.
It is configured to include.

The sheet obtained by pressing (clicking) the security operation unit 114 is provided with a switch button (not shown) capable of switching the display items according to the main contract / special contract.

In addition to the above, when a software version is updated, a button for prompting the import of the data of the management file created in the old-fashioned software format and a table of contents of the management file should be created. It is also possible to further provide a button for prompting, or a button for prompting to arrange all the created list or graph on one screen.

Further, a calculation reference date input section 123 and the like as shown in FIG. 5A are also displayed.

Further, the input screen 200 is shown in FIG.
As shown in, the conversion input operation unit 121 for each of the main contracts and special contracts for converting to the display item format corresponding to the conversion, and the main for switching the display item format from the simple display to the detailed display. Detailed display operation unit 122 for each contract / special contract, and for selecting the type of insurance as shown in FIG. 4A (details will be described later, for example, FIG. 9).
Prompt the display of the insurance type name acquisition screen shown in (A))
An insurance type selection operation unit 206 and the like are formed on the display.

In the input screen 200, if the display layout is not the conversion, "conversion input" is displayed on the conversion input operation unit 121, and the display layout is not the conversion (for example, FIG. 5B). ) To a display layout corresponding to the case of conversion (for example, FIG. 6: only main contract corresponding to reference numeral 220 corresponds to conversion: of course special contract is also possible), and the display when the input screen 200 is conversion In case of layout, conversion input operation unit 1
Reference numeral 21 indicates “conversion non-display” and has a function of converting a display layout in the case of conversion into a display layout in the case of non-conversion.

On the input screen 200, when the display layout is not the detail, the detail display operation section 122 displays "Detail display", and when it is not the detail, the display layout (for example, reference numeral 250 in FIG. 6). Of the input screen 20 and the display layout of the detailed display (for example, the area corresponding to the reference numeral 240 in FIG. 6; of course, each of the special contract and the main contract is possible).
When 0 is the display layout in the case of the detailed display, the detailed display operation unit 122 displays “Details hidden”,
It has a function of converting the display layout in the case of the detailed display to the display layout in the case of the non-detailed display.

In the case of these conversions or detailed display,
The horizontal scale of the input screen is formed longer.

(Regarding input screen) Furthermore, the input screen 2
As shown in FIG. 4 (A), the display items necessary to enter the insurance information into each cell of 00 are Entry.
No display unit 20 that displays the content of the corresponding NO of the sheet
1, a measure display section 202 for displaying measures, and a contractor name display section 20 for displaying contractor names of insurance companies and the like.
3 and the insured person name display section 204 for displaying the insured person name
A death insurance payee display unit 205 that displays the death insurance payee, an insurance type display unit that displays the type of insurance, and a contract date display unit 207 that displays the contract date.

In addition, on the Entry sheet of the input screen 200, as shown in FIG. 5A, the calculation reference date display section 2 for displaying the individual calculation reference date as its display item.
08, a countermeasure year / month display portion 208b that displays a countermeasure year / month to take countermeasures, a securities number display portion 209 that displays a securities number, and a payment method display portion 210 that displays payment methods such as year and month. A gender display section 211 that displays the gender of the insured person, a birth date display section 212 that displays the birth date of the insured person, and an insurance company name display section 213 that displays the insurance company name. These are displayed and formed.

In addition, the Entry sheet of the input screen has the entire structure as shown in FIG. 5 (B) or FIG. 6, and in the example shown in FIG. 6, it is used as a display item for prompting information input. , A main contract display section 220 for displaying information on a main contract, a special contract display section 230 for displaying information on a special contract, and a main contract display section during increasing for displaying information on a main contract when increasing 240,
An increasing special treaty display section 250 for displaying information on special contracts during increase, a pension display section 260 for displaying information on pensions, and a paid information display section 270 for displaying information on payments. And so on,
These are displayed and formed.

More specifically, the main contract display section 220 is a death protection amount display section 221 for displaying the death protection amount.
And an insurance premium display part 222 for displaying an insurance premium, a converted death protection amount display part 223 for displaying a death protection amount in case of conversion, and a converted insurance premium for displaying a death protection amount in case of conversion as well. A display unit 224, a holding period display unit 225 that displays the holding period, and a payment period display unit 226 that displays the payment period.
And a year / year display unit 227 that displays the year and year, and an automatic update presence / absence display unit 228a that displays the presence / absence of automatic update
And an automatic update end year display unit 228b that displays the end year of the automatic update, and an automatic update update year display unit 228c that displays the update year of the automatic update.

The special contract display unit 230 includes a death protection amount display unit 231 for displaying the death protection amount, an insurance premium display unit 232 for displaying the insurance premium, and a maintenance period display unit 235 for displaying the maintenance period. And the payment period display part 236 for displaying the payment period
And a year / year display unit 237 for displaying year and year, and an automatic update presence / absence display unit 238a for displaying presence / absence of automatic update
And an automatic update end year display unit 238b that displays the end year in the case of automatic update, and an automatic update update year display unit 238c that displays the update year in the case of automatic update.

When there is a conversion in the special contract display section 230, the display is switched to the format of the display item as in the main contract display section 220. On the contrary, when there is no conversion on the main contract display section 220, the display is switched to a display item such as the special contract display section 230.

The gradually increasing main contract display section 240 includes the first half single / complex section display section 241 for displaying the first half single / complex section when the main contract is increasing, and the first half increase rate for similarly displaying the first half case. A display unit 242, a first-half interval display unit 243 that also displays the first-half interval, a first-half period display unit 244 that similarly displays the first-half period, and a second-half single-compartment display unit that displays a single-division section in the latter half. 245, and a second half increase rate display section 246 that similarly displays the second half increase rate.
Similarly, the latter half interval display section 24 that also displays the latter half interval
7 and a multiplying factor display section for displaying the multiplying factor when the main contract is gradually increased.

The increasing special treaty display section 250 includes a first half single / complex section display section 251 which displays the first half single / complex section in the case of increasing the special contract, and a multiplication rate display section 252 which also displays the first half multiplication rate. And a magnification display unit 253 that displays the magnification when the special contract is gradually increased.

The pension display unit 260 includes an annual amount display unit 261 for displaying the annual amount, a starting age display unit 262 for displaying the starting age, and an ending age display unit 263 for displaying the ending age. It is composed of.

The payment display section 270 includes a death insurance payment display section 217 for displaying death insurance payments, an insurance premium display section 272 for displaying insurance premiums, and a maintenance term display section 27 for displaying a holding period.
3 and a year / year display unit 274 for displaying the year / year.

By inputting the insurance information including various information corresponding to each cell corresponding to the display portion of each of these display items, the basic information including the input information is accumulated in the storage portion.

Returning to FIG. 5 (A), the input screen 200 is formed such that the display area before the contract date display portion 207 is always displayed, and the display after the contract date display portion 207 is performed. The area Y1 is configured to scroll in accordance with the input movement. Then, by scrolling, various display parts as shown in FIG. 6 are displayed.

When the scroll is further continued, the input screen 2
00 means that the display unit 280 as shown in FIG. 7 is displayed. In this display unit 280, the current age, the age at the time of enrollment of the special contract, the automatic update 1, the automatic update 2, the automatic update 3, the automatic update 4, the final age, the insurance age adjustment, the age at the time of joining the main contract, Display items necessary for inputting various information such as after automatic update 1, after automatic update 2, after automatic update 3, after automatic update 4, final age, year before joining before adjustment, etc. are formed in a table format.

In the display unit 280 shown in FIG. 7, an S_table 282 (for example, 0 to 99 years old) that can be input for each age is configured.

When the scrolling is further continued, the input screen 200 displays the display section 290 as shown in FIG. In this display unit 290, the age for measures, the contract end year of the main contract, the contract end year, the contract end year, the payment end year, the payment end year, ANP, the contract contract end year, the contract end year, the payment end year, the payment end year, ANP, Automatic renewal end age, automatic renewal end year, S total, ANP total, paid contract end age, pension judgment, incremental judgment, main contract ANP cumulative, special contract ANP cumulative, non-automatic renewal end age main contract / special contract In each case, the cumulative P at the current age, each of the main contracts and covenants among them, the cumulative P at the end of the covenant, each of the main contracts and covenants, the contract date-birthday, insurance age existence, automatic renewal interval Display items necessary for inputting various information such as contracts and special contracts are formed in a table format.

(Insurance type name acquisition screen) The insurance type name acquisition screen 300 is a screen displayed when the insurance type selection operation unit 206 is selected on the input screen 200, as shown in FIG. 9 (A). , A fixed term insurance selection unit 301 for selecting an insurance type of term insurance and an increasing term selection unit 302 for selecting an insurance type of increasing term insurance
A life insurance selecting unit 303 for selecting the type of life insurance, an endowment insurance selecting unit 304 for selecting the type of endowment insurance, and an endowment insurance type (1/2). Endowment insurance (1/2) selection unit 305 for selecting, fixed life whole life selection unit 306 for selecting the type of life insurance with term and life insurance for selecting the type of insurance with endowment Term endowment insurance selection section 307
An increasing term fixed term life selecting section 308 for selecting an insurance term of increasing term term life insurance, an increasing term life option selecting section 309 for selecting an insurance term of increasing term life insurance, and a specific epidemic. Specific plague term selection section 310 for selecting the type of insurance that is term insurance, pension selection section 311 for selecting the type of insurance that is pension, and medical insurance selection section for selecting the type of insurance that is medical insurance. 312,
A cancer insurance selection unit 313 for selecting an insurance type of cancer insurance and a cancel operation unit 314 for canceling these selections are included.

When the insurance type name acquisition screen 300 having the above-mentioned configuration is selected, for example, the term insurance selection section 301 is selected, the term insurance is automatically added to the cell corresponding to the display item "Type of insurance" on the input screen. Will be entered. In this way, the user can fill in the display items as the insurance type by selecting the name of the insurance type to be selected from the insurance type name acquisition screen, so that the user can specify the name of the insurance type. You can easily enter items without knowing the details.

(Regarding Measure Selection Screen) Next, the measure selection screen will be described with reference to FIG. 9B.

As shown in the figure, in the measure selection screen 400, the operation unit 401 for returning to the previous measure for performing the process for returning to the previous measure and the operation unit for returning all 402 for selecting the case of returning all And a continuation operation unit 403 for selecting continuation, and a cancellation operation unit 40 for selecting cancellation.
4 and a special contract cancellation operation unit 405 for selecting a special contract cancellation
A payment operation unit 406 for selecting payment, a revocation operation unit 407 for selecting revocation, and a cancel operation unit 408 for canceling these selections.

Countermeasure selection screen 4 having the above-mentioned configuration
00, when a new measure is taken, the continuation operation unit 403, the cancellation operation unit 404, the special contract cancellation operation unit 40.
5, payment operation section 406, revocation operation section 407, etc. will be selected. On the other hand, when each of these operation units is selected, it is not possible to return to the previous measures.

(About individual contract list sheet display screen)
FIG. 10 discloses an example of the display mode of the display screen of the individual contract list sheet displayed when the individual contract list operation unit 102 is selected on the management file basic menu screen 100.

As shown in the figure, in the individual contract list sheet display screen 500, for each contractor name, the insured name, death beneficiary recipient, insurance type, security number, contract date, insurance Amount, annual insurance premium, monthly insurance premium, insurance maturity date,
Payment period, insurance company, etc. are automatically generated in a table format.

By displaying and forming such a list sheet, the user can compare the display items, such as the insurance amount, for each insured person.

When the individual contract list countermeasure section operation unit 103 is selected on the management file basic menu screen 100, although not shown, for example, the sheet <screen> shown in FIG. A sheet for the individual contract list countermeasure section with columns will be automatically generated.

(Screen for Countermeasures for Individual Contract) FIG. 11 shows a current diagram for taking measures for individual contracts.
As shown in FIG.
As shown in FIG. 21, the relationship between the monthly amount (longitudinal length) of the current term insurance and the age (horizontal length) from the time of joining is displayed and formed in a horizontal bar graph format. Further, in parallel with this, as indicated by reference numeral 522, the relationship between the monthly amount (vertical length) of the current lifetime insurance and the age (horizontal length) from the time of joining is a horizontal bar graph form. It is formed by the display.

Then, these are displayed in a list for each insurance company so that they can be compared. In addition,
The vertical line A indicates the current age.

For example, in the term insurance of reference numeral 523, the amount per month is represented by the width TK, while in the case of the life insurance indicated by reference numeral 524 of the same insurance company, the amount per month is represented by the width S.
It is represented by K, and the period from the current age to the maturity is represented by the width L.

As described above, in the present situation, the monthly costs of term insurance and life insurance for various life insurance products are compared for each product of each insurance company.
By displaying in a time-series diagram format, it is possible to visually understand the amount of money and age.

On the other hand, FIG. 12 discloses a diagram of measures for taking measures for individual contracts. As shown in the figure, on the display screen 530, the monthly amount (longitudinal length) of the term insurance of one insurance company is TK1, and the monthly amount of life insurance of the same one insurance company. (Vertical length) is SK
It is 1, and the period from the joining year to the current age is L1.

When the current age is changed, the term insurance premium to be paid in the future depends on the length L2 from the current age to the expiration of the period and the width K1 as shown by reference numeral 531. It can be visually grasped by the area within the dotted line area.

On the other hand, as shown in FIG. 12, the display screen 53
At 0, the monthly amount (vertical length) of the term insurance of the other insurance company is TK2, and the monthly amount (vertical length) of the life insurance of the other insurance company is SK2. Has become.

When the current age is changed, the term insurance premium to be paid in the future depends on the length L3 from the current age to the expiration of the period and the width TK1 as shown by reference numeral 532. It can be visually grasped by the area within the dotted line area.

In this way, these are displayed as a list for each life insurance company, and it is possible to make a visual comparison by the size of the area.

(Death Security Amount Transition Sheet) FIG. 13 (A)
(B) discloses an example of a display mode of the display screen of the death protection amount transition sheet displayed when the security amount operation unit 104 is selected on the basic menu screen 100 of the management file.

As shown in the figure, in the display screen 600 of the death protection amount transition sheet, as shown in FIG. 13 (A), in the upper part, the insurance period and age for each product of various life insurance companies are shown. The amount of guarantee is displayed in a table format, and the total amount of guarantee of each company is displayed in a bar graph format in the lower part as shown in FIG. 13 (B).

Display screen 600 of the transition sheet of death protection amount
Is composed of a tabular format display unit 610 that displays the contents in a tabular format formed in the upper stage and a graph format display unit 630 that displays the contents in a bar graph format in the lower stage.
An operation unit 641 for returning to the input screen as an "Entry" sheet, and an operation unit 64 for displaying each sheet in 10 steps
2 and the like are formed on the display.

In the table format display unit 610, a name display unit 611 that displays the name of the insured person, a line number display unit 612 that displays the line number of each sheet, the contents of each insurance company that is the product name, and each insurance Insurance company name display section 6 that displays the type of
13. Insurance type name display section 614 and term expiration display section 615 that displays the contract expiration year for each main contract (upper column) and special contract (lower column) (when the number is 500 or more, it is written as "lifetime") )
And the death insurance amount display section 616 that displays the death insurance amount for each main contract (upper column) / special contract (lower column), the age display unit 617 that displays the current age at specific intervals in time series, and the age display The Japanese calendar display section 618 formed to correspond to the lower column of the section 617, and the details of the guarantee amount according to each age for each product,
Guarantee amount detailed display portion 619 acquired and displayed from “S_Table” of the “Entry” sheet, and guarantee total amount display portion 620 displaying the guarantee total amount of the entire product for each age of these guarantee amount detailed display portion 619. And are included.

The display area (cell) of the total security display area 620, the age display area 617, etc. is displayed in a different color from other areas (cells), for example, light blue or the like to facilitate the user's understanding. There is. Further, it is also possible to directly input a numerical value in the age display section 617 to perform a corresponding calculation and display the result.

The bar graph format display portion 630 has a vertical axis 632.
Is defined on the horizontal axis 633 and age is defined on the horizontal axis 633, and the total of death protection is displayed for each age in a bar graph format. The vertical axis information is displayed for 45 years from the current age by referring to the death protection total column for graph on the "Entry" sheet.

As a result, it is possible to express how the ordinary death protection amount changes from the present age onward using a table and a graph, which promotes an intuitive understanding for the user.

(Insurance premium transition sheet) FIG. 14 (A)
(B) discloses an example of a display mode of the display screen of the insurance premium transition sheet, which is displayed when the insurance premium operation unit 105 is selected on the basic menu screen 100 of the management file.

As shown in the figure, in the display screen of the insurance premium transition sheet, as shown in FIG. 13A, in the upper part, the insurance period for each product of various life insurance companies and the annual insurance for each age are shown. Fees are displayed in tabular form and shown in FIG.
As shown in (B), in the lower part, the total amount of the annual insurance premiums of each company is displayed in a bar graph format.

A display screen 700 of the insurance premium transition sheet is
It is composed of a tabular format display unit 710 that displays the contents in a tabular format formed in the upper stage and a bar chart format display unit 730 that displays the contents in a bar graph format in the lower stage.
operation unit 74 for returning to the input screen that is a "try" sheet
1, an operation unit 742 and the like for displaying each sheet in 10 steps are formed.

The table format display unit 710 displays an insurance policyholder display unit 711 that displays the contents of the policyholder, a name display unit 712 that displays the name of the insured, and a current age at specific intervals in time series. Age display section 713 and age display section 71
Japanese calendar display section 714 formed so as to correspond to the lower column of
And a line number display unit 715 that displays the line number of each sheet
And an insurance company name display section 716 / insurance type name display section 7 that displays the content of each insurance company as a product name and the type of each insurance
17, an insurance premium payment display unit 718 that displays the age at which insurance premium payment has ended, an annual insurance premium display unit 719 that displays the annual insurance premium, and a detailed annual insurance premium according to each age for each product The annual insurance premium statement display unit 720 and the cumulative insurance premium statement display unit 72 that displays the cumulative total of the annual insurance premiums for each age of the annual insurance premium statement display unit 720.
1 and the total insurance amount display portion 722 that displays the total amount of insurance for the entire product for each age of the annual insurance premiums display portion 720, and the entire insurance product for each age of the cumulative insurance premiums display portion 721. And a total insurance premium total display unit 723 that displays the total amount.

The bar graph format display portion 730 has a vertical axis 734.
Is defined as the insurance premium, and the horizontal axis 735 is defined as the age, and the transition of the annual insurance premium is displayed for each age in a bar graph format. As a result, it is possible to express how the annual insurance premium paid changes from the current age by using a table and a graph, which promotes an intuitive understanding for the user.

(Currency cancellation refund change sheet) FIG. 15 (A)
In (B), an example of a display mode of a display screen of a transition sheet of the withdrawal refund, which is displayed when the withdrawal withdrawal operation unit 106 is selected on the basic menu screen 100 of the management file is disclosed.

As shown in the same figure, in the display screen 800 of the change sheet of churn refund money, as shown in FIG. 15 (A), in the upper part, the churn refund for each age of each product of various life insurance companies is shown. The gold is displayed in a tabular form and is shown in Figure 1.
As shown in FIG. 5 (B), in the lower part, the change in the surrender value is displayed in a bar graph format.

Cancellation refund money transition sheet display screen 800
Is composed of a tabular format display unit 810 which displays contents in a tabular format formed in the upper stage and a graph format display unit 830 which displays in a bar graph format formed in the lower stage.
An operation unit 841 for returning to the input screen that is an "Entry" sheet, and an operation unit 84 for displaying each sheet in 10 steps
2 and the like are formed on the display.

In the table format display unit 810, the insurance policyholder display unit 811 for displaying the contents of the policyholder, the name display unit 812 for displaying the name of the insured person, and the line number display for displaying the line number of each sheet. Department 813 and insurance company name display unit 81 for displaying the contents of each insurance company as a product name and the type of each insurance
4. Insurance type name display portion 815, insurance premium payment display portion 816 that displays the age at which insurance premium payment has ended, and sheet ANP
Annual insurance premium display 81 for displaying total annual premium
7, an age display unit 818 that displays the current age at specific intervals in time series, and a Japanese calendar display unit 81 that displays the year corresponding to the age in the Japanese calendar so as to correspond to the lower column of the age display unit 818.
9 and the cumulative insurance premiums corresponding to the age by the ANP cumulative of the entry screen as the "Entry" sheet, that is, the cumulative insurance premiums detail display section for displaying the details of the cumulative insurance premiums (upper row) corresponding to each age for each product. 820 and “V_Entry”
A churn refund corresponding to the age of the seat, that is, a churn refund statement display unit 821 that displays the details of the churn refund (lower row) corresponding to each age for each product.

Further, in the tabular display unit 810, the cumulative total insurance premiums display unit 822 which calculates and displays the total of the total insurance premiums for each column, and the cancellation amount which calculates and displays the total of the cancellation refunds for each column. The total refund amount display section 823, the simple return rate display section 824 that displays the simple return rate calculated by (Churn refund amount / cumulative insurance premium), and the total loss amount calculated for each column The total loss display area 825 to display, the total insurance premiums-the total real burden display area 826 to display the total real burden calculated by (total loss / 2), and the (total cancellation refund / total real burden) And a substantial return rate display portion 827 calculated as described above.

The bar graph format display section 830 has a vertical axis 833.
Indicates the cancellation refund amount obtained by referring to the total cancellation refund amount column of the “V_Entry” sheet, and the abscissa 834 defines the age and displays it for 50 years from the current age. It should be noted that the age display unit 818, the total accumulated insurance premium display unit 822, the cancellation surplus refund total display unit 823, the simple return rate display unit 824, the total loss display unit 825, the actual burden total display unit 826, the actual return rate display unit 827, A display area (cell) such as is displayed in a different color from other areas (cells), for example, beige, so that the user can easily understand. Further, it is also possible to directly input a numerical value in the age display section 818 to perform a corresponding calculation and display the result.

As a result, it is possible to represent how the cancellation refund amount changes from the current age by using a table and a graph, which promotes an intuitive understanding for the user.

(Display screen 1 relating to analysis of term insurance) Next, on the basic menu screen 100 of the management file,
Displayed when the disassembly sheet operation unit 107 is selected,
Display screen related to analysis of various insurances, more specifically, "Analysis of term insurance", "Analysis of life insurance with term", "Analysis of life insurance", "Analysis of endowment insurance", "Variable life insurance Specific configurations such as "analysis" will be explained in this order.

First, FIGS. 16 (A) and 16 (B) disclose an example of a display mode of a display screen relating to analysis of term insurance, which is an example of a disassembly sheet.

As shown in FIG. 16A, in the display screen 1100 relating to the analysis of term insurance, the insured who displays the contents of the insured name based on the information input in the input screen. A name display unit 1101, a gender display unit 1102 that displays the gender of the insured, a birth date display unit 1103 that displays the birth date of the insured, and a current age of the insured. A current age display unit 1104, a joining age display unit 1105 that displays the age at the time of joining, and an insurance company name display unit 11 that displays the name of the corresponding insurance company.
06 and the contract date display unit 110 that displays the contract date of the subscription
Basic information about the insured person such as 7 is displayed and formed.

In addition, in the display screen 1100 relating to the analysis of term insurance, as shown in FIG.
In addition to the display of the basic information, it is displayed in an explanatory diagram format that explains the insurance amount related to term insurance and the correspondence between insurance premiums and age, and the insurance amount that displays the content of the death insurance amount of the main contract. A display unit 1108, an insurance premium display unit 1109/1111/1113 displaying the contents of the updated P owner, and a payment method display unit 1110/11 displaying the contents of the payment method.
12, 1114 and 1116, and an insurance premium display portion 1115 for displaying the contents of the main contract insurance premium are displayed and formed, and correspondingly, an age-at-joint display portion 1117 for displaying age at the time of joining, and a special contract Special contract after automatic renewal age display section 1118 for displaying age after automatic renewal, first main contract automatic renewal age display section 1119 for displaying age after automatic renewal of main contract, and after automatic renewal of other main contracts The second main contract automatic renewal age display unit 1120 for displaying the age of the contract, the contract expiration year display unit 1121 for displaying the contract expiration (subordinate) year, and the like are formed.

Further, in the lower part of the display screen 1100, there is a paid-in insurance premium display portion 1122 for displaying the contents of the paid-in insurance premium of the accumulated P at the end of the contract at the end of the contract, and the details of the cancellation refund at the end of the contract. A cancellation refund display unit 1123 for displaying, a investment effect display unit 1124 for displaying the investment effect, and a security number display unit 1125 for displaying the security number of the relevant security are displayed.

In the display screen 1100, an operation unit 1131 for creating a copy, an operation unit 1132 for returning to the input screen of an "Entry" sheet, and the like are formed.

(Display Screen 2 for Analysis of Term Insurance) On the other hand, FIG. 16 (B) discloses an example of the display form of the disassembling sheet in the case of long term term insurance.

That is, in the display screen 1200 relating to the analysis of long-term fixed life insurance, as shown in FIG. 16 (B), for example, the insurance amount of fixed life insurance from 45 listings to life,
An explanation part 1210 for explaining the transition of the insurance premium is displayed and formed, and when this is disassembled at a certain age, for example, the present age, the transition of the insurance premium at the disassembled age, for example, from the time of joining to 46 is explained. The first analysis unit 1221 and the second explanation unit 1231 for explaining the transition of the insurance premium from the 47th life to the whole life constitute a disassembly analysis result display unit.

Then, in the first explanation part 1221,
Disassembled premium display part 1222 that displays the paid-in premium (cumulative P at the current age) at the disassembled age, and dismantling repayment refund display part that displays the cancellation refund at the disassembled age (dissolution at the current age) 1223 and an investment effect display section 1224 displaying the investment effect by this are formed.

On the other hand, in the second explanatory diagram 1231, the paid insurance premium display section 1232 displaying the paid insurance premium at the time of contract expiration and the cancellation refund display section showing the cancellation refund at the time of contract expiration. 1233 and the investment effect display unit 1 displaying the investment effect when the contract expires
And 234 are displayed.

As a result, the investment effect at the time of decomposition, that is, the current age, can be calculated as a numerical value,
It may be possible to encourage the determination of the gain on insurance. In addition,
In the example of the screen described above, the case of decomposing into two at a certain age has been described, but the present invention is not limited to this, and decomposing into two or more at plural ages of 2 or more, and the investment effect is calculated for each. But of course

(Display screen for analysis of life insurance with term)
Next, an example of the display mode of the display screen related to the analysis of the term life insurance will be described with reference to FIGS. 17 (A) and (B).

FIG. 17 (A) shows an example of a display screen relating to the analysis of term life insurance before disassembly, and FIG. 17 (B).
Shows an example of a display screen relating to the analysis of the term life insurance after disassembly.

Specifically, as shown in FIG. 17A, in the display screen 1300 relating to the analysis of the regular life insurance before disassembling, first, as in the case of the other analysis, the input is made as the basic information. Insured person name display unit 1311 that displays the content of the insured person based on the information input on the screen
And a gender display unit 1312 that displays the gender of the insured.
A birth date display section 1313 for displaying the birth date of the insured person, a current age display section 1314 for displaying the current age of the insured person, and a joining age display section for displaying the age at the time of enrollment. 1315, an insurance company name display section 1316 for displaying the name of the corresponding insurance company, a contract date display section 1317 for displaying the contract date of the contract, and the like are formed.

In addition, in the display screen 1300 relating to the analysis of the regular life insurance before disassembling, as shown in FIG. 17A, in addition to the display of the basic information, the amount of insurance relating to the regular insurance and It is displayed in an explanatory diagram format that explains the correspondence between insurance premiums and age, and the insurance amount display unit 1318 that displays the content of the special death insurance amount and the regular insurance premium display unit that displays the insurance premiums of term insurance 1319 and a payment method display unit 1320 that displays the content of the payment method for term insurance.
And a life insurance insurance amount display portion 1321 that displays the content of the life insurance main contract death insurance amount, and a life insurance temporary payment 1322 that displays the content of a temporary payment of the life insurance main contract death insurance amount. , Life insurance premium display section 132 which also displays the premium of the life insurance main contract death insurance amount
3, a life insurance payment details display unit 1324 that displays the content of the life insurance payment method, and a life insurance temporary payment premium display unit 1325 that displays the life insurance temporary payment premium that is the main contract insurance premium of the life insurance. , Etc. are formed on the display.

Further, the display screen 1300 has a joining age display section 1 for displaying the joining age so as to correspond to these.
326/1334 and contract expiration year display section 1327/1330/1335/133 displaying the year of contract expiration (subordinate)
7, a security number display portion 1328 that displays the content of the security number of the security, a special death insurance amount display portion 1329 that displays the content of the death protection amount of the special contract, and a special payment P
It is configured to include a paid insurance premium 1331 that displays the contents of the total, a cancellation refund display unit 1332 that displays the cancellation refund, and an investment effect display unit 1333 that displays the investment effect.

Furthermore, on the display screen 1300, a life insurance insurance amount display portion 1336 that displays the content of the death insurance amount of the life insurance main contract, and a paid insurance premium display portion 1338 that displays the content of the cumulative total of the contract end P owners. And the cancellation refund display unit 1339 that displays the cancellation refund when the contract expires.
And an investment effect display unit 1340 that displays the investment effect when the contract expires.

In the display screen 1300, an operation unit 1351 for creating a copy, an operation unit 1352 for returning to the input screen as an “Entry” sheet, and FIG.
First non-conversion mode selection unit 13 for selecting and operating the non-conversion mode for not displaying the part of FIG.
53, a first conversion mode selection unit 1354 for selecting and operating a conversion mode for displaying the part of FIG. 17A in FIG. 17A, and the part of FIG. 17B in FIG. A second non-conversion mode selection unit 1355 for selecting and operating the non-conversion mode for not performing, and a conversion mode selection unit for displaying the conversion mode for displaying the portion of FIG. 17B in FIG. 17A. 1356 and the like are formed on the display.

On the other hand, FIG. 17B shows an example of a display screen relating to the analysis of the disintegrated regular life insurance, and more specifically, the display screen 13 relating to the disassembly of the distressed whole life insurance.
In 01, as shown in FIG.
Figure A in Figure (A) shows, for example, 55 years old,
An explanatory diagram 1302 divided into four regions at three points of ages 65 and 70 is formed.

The explanatory diagram 13 set in this way
According to 02, when decomposed into four according to the corresponding age, along with a graph showing the transition of insurance premiums in each decomposition area when the decomposition is performed, the paid-in insurance premium, cancellation refund, investment effect, etc. at each decomposition age The calculated explanatory diagram 1303 is displayed and displayed, and the user can confirm the investment effect, insurance premium, cancellation refund, etc. at each disassembly age.

At this time, the region formed by coloring in the substantially triangular shape in the portion of FIG. 17B in FIG. 17B is made to correspond to the age desired to be decomposed, and the corresponding decomposition also in the explanatory diagram 1303. It will be disassembled by age.

(Display screen for analysis of life insurance) Next,
FIG. 18A discloses an example of a display mode of a display screen relating to analysis of life insurance, which is an example of a disassembly sheet.

As shown in the figure, in the display screen 1400 relating to the analysis of life insurance, as in the above-mentioned various analyzes,
First, the insured person name display unit 1401 that displays the content of the insured person based on the information input on the input screen.
And a gender display section 1402 that displays the gender of the insured concerned.
And a birth date display section 1403 that displays the birth date of the insured, a current age display section 1404 that displays the current age of the insured, and a joining age display section that displays the age at the time of enrollment. 1405, an insurance company name display portion 1406 that displays the name of the corresponding insurance company, and a contract date display portion 1407 that displays the contract date of the contract, and other basic information regarding the insured person is displayed.

In addition, in the display screen 1400 relating to the analysis of life insurance, as shown in FIG.
In addition to the display of the basic information, it is displayed in an explanatory diagram format that explains the insurance amount related to whole life insurance and the correspondence between insurance premiums and age, and displays the content of the life insurance main contract death insurance amount. An insurance amount display unit 1408, a life insurance premium display unit 1409 that displays the content of the main contract insurance premium, and a payment method display unit 141 that displays the content of the payment method of life insurance.
0, a lifetime insurance payment expiration year display unit 1411 that displays the lifetime expiration date of life insurance, an age-at-joint display unit 1412 that displays age at the time of membership along the horizontal axis of the figure, and a horizontal axis of the figure A current age display unit 1413 displaying the current age and a payment expiration year display unit 1 displaying the payment expiration year along the horizontal axis of the figure.
414 and the refund insurance money display portion 141 displaying the lifetime insurance refund insurance money calculated by the main contract ANP / 10000.
5 and (from A5 to L in the "V_Entry" sheet
In the range of 65, the reference value in the first column is equal to the payment expiration year, and the value is in the column in which 2 is added to "NO" of A4 on the Temp sheet) / 10000 Display unit 1416 and ((said cancellation refund) /
(Refund insurance money) * 100 is displayed, such as an investment effect display section 1417 for displaying the investment effect calculated in 100 and a security number display section 1418 for displaying the security number of the life insurance.

In the display screen 1400, an operation unit 1421 for creating a copy, an operation unit 1422 for returning to the input screen as an "Entry" sheet, and the like are formed.

According to such a display screen 1400, the state of life insurance can be analyzed, and judgment of investment effect can be prompted.

(Display screen for analysis of endowment insurance) Next,
FIG. 18B discloses an example of a display mode of a display screen related to analysis of endowment insurance, which is an example of a disassembly sheet.

As shown in the figure, in the display screen 1500 relating to the analysis of endowment insurance, similar to the above-mentioned various analyzes,
First, the insured person name display unit 1501 that displays the content of the insured person based on the information input on the input screen.
And a gender display section 1502 that displays the gender of the insured.
A date of birth display unit 1503 that displays the date of birth of the insured person, a current age display unit 1504 that displays the current age of the insured person, and a joining age display unit that displays the age at the time of enrollment. Basic information about the insured is displayed and displayed, such as 1505, an insurance company name display unit 1506 that displays the name of the corresponding insurance company, and a contract date display unit 1507 that displays the contract date of the contract.

Further, in the display screen 1500 relating to the analysis of endowment insurance, as shown in FIG.
In addition to the display of the basic information, it is displayed in an explanatory diagram format that explains the insurance amount related to endowment insurance and the correspondence between insurance premiums and age, and displays the contents of the main contract death insurance amount of endowment insurance. An insurance amount display unit 1508, an endowment insurance premium display unit 1509 that displays the content of the main contract insurance premium, and a payment method display unit 151 that displays the content of the payment method of the endowment insurance.
0, the age at joining display 1511 which shows the age at joining along the horizontal axis of the figure, the contract expiration year displaying portion 1512 which shows the year of contract expiration along the horizontal axis of the figure, and the insurance for the endowment insurance. A security number display portion 1513 and the like in which the number is displayed is formed.

The display screen 1500 is provided with an operation unit 1521 for creating a copy, an operation unit 1522 for returning to the input screen which is an "Entry" sheet, and the like. With such a display screen 1500, the state of endowment insurance can be easily analyzed.

(Display Screen for Analysis of Variable Life Insurance) Next, FIG. 19 discloses an example of a display mode of a display screen for analysis of variable life insurance, which is an example of a disassembly sheet.

As shown in the figure, in the display screen 1600 relating to the analysis of the variable life insurance, first of all, based on the information inputted in the input screen, the insured person's name Insured name display section 16 that displays the contents of
01 and the gender display section 16 that displays the gender of the insured
02, a birth date display unit 1603 that displays the birth date of the insured person, a current age display unit 1604 that displays the current age of the insured person, and a joining age display that displays the age at the time of enrollment. Basic information about the insured person such as a section 1605, an insurance company name display section 1606 that displays the name of the corresponding insurance company, and a contract date display section 1607 that displays the contract date of the contract is displayed.

In addition, as shown in FIG. 19, in the display screen 1600 relating to the analysis of the variable whole life insurance, in addition to the display of the basic information, the insurance amount and the insurance premium related to the variable whole life insurance are displayed. It is displayed in an explanatory diagram format that explains the relationship with age, and the insurance amount display unit 1608 that displays the content of the main contract death insurance amount of variable life insurance and the variable amount that displays the content of the main contract insurance premium Life insurance premium display 160
9, a payment method display unit 1610 that displays the content of the payment method for variable life insurance, and the expiration date (mainly) for the payment of variable life insurance
Payment expiration year display section 1611 for displaying the contents of and the age at membership display section 16 for indicating age at membership along the horizontal axis of the figure.
12, a contract expiration year display unit 1613 that displays the contract expiration year along the horizontal axis of the figure, and a security number display unit 1614 that displays the security life insurance policy number are displayed.

(Display Screen Related to Officer Retirement Allowance Simulation) Next, FIG. 20 discloses an example of a display mode of a display screen related to officer retirement allowance simulation.

Display screen 17 relating to the officer retirement allowance simulation as a result of the officer retirement allowance simulation
20, the basic information display portion 1702 that displays basic information such as name, date of birth, and age, as shown in FIG. Retirement allowance display section 1 that displays various information in a table format, such as limits, average retirement allowances for companies with less than 100 people, present reserves (refunds for life insurance), and present reserves (death insurance)
710 and the necessary calculation formulas for calculating the retirement allowance limit under the tax law (for example, executive remuneration x number of years of office x coefficient = retirement allowance limit), enter blanks for each parameter and enter each value The retirement allowance amount calculation display unit 1720 that can display the calculation result by performing the above, and the retirement allowance average amount including the retirement allowance average amount per one year of full-time executives in companies with less than 100 employees and the achievement ratio Average retirement allowance display part 1
730, a retirement allowance transition display unit 1740 that displays the transition of retirement allowance for each age in a graph format, and the like are displayed.

The retirement allowance transition display portion 1740 defines age on the horizontal axis and amount on the vertical axis, displays the retirement allowance payment limit under the tax law in the form of a bar graph, and presents the current amount of life insurance payment refund YT1 and retirement. The average amount of money YT2, the current amount of death insurance YT3, and the like are also displayed and formed in a line graph format.

According to the display screen 1700 relating to the retirement allowance simulation as described above, it is possible to view the retirement allowance according to the condition of each age, as well as the current reserve amount such as a life insurance refund and death insurance money. Retirement allowances can be easily envisioned.

The above has described the aspects of the main screens in the insurance information management system, but the details of various processes related to these will be described below.

(Regarding Processing Procedure) First, the outline of the overall processing procedure in the insurance information management system having the above-mentioned configuration will be described with reference to FIG.

(Input Processing) First, as shown in FIG.
Processing for displaying the management file basic menu screen and the input screen is performed (step, hereinafter “S” 101).

Here, since the management file basic menu screen and the input screen are formed so as to be stored in the same display area when the program is started up, the user is required to enter the insurance information from the input screen. If no input has been made, input will be made from the input screen.

At this time, when inputting on the input screen,
It is also possible to jump to the main input item row of the sheet of the input screen by using the operation unit that is each input moving unit of the basic menu screen.

On the other hand, when various kinds of input are made on the input screen, various kinds of data required for the inputted information are generated by using various kinds of data generators on the management file basic menu screen. be able to.

In this way, any screen, for example, either the various data generating unit or the input moving unit is selected by the operating unit such as the various data generating unit or the input moving unit. (S102).

When the input moving unit side (more specifically, for example, various operation buttons under the item of input moving shown in FIG. 4A) is selected (S103), first,
It is determined whether or not the attribute operation unit is selected (S10).
4). In this determination process, when it is determined that the attribute operation unit is selected (clicked), the position of the input screen with respect to the display (display screen) is relatively moved from the specific item position to the item position of “attribute”. <Attribute item input position relative movement process> (S10)
5).

On the other hand, when it is judged in the judgment processing of S104 that the attribute operation section is not selected, it is judged whether or not the main trigger operation section is selected (S10).
6). In this determination process, if it is determined that the main trigger operation unit is selected (clicked), the position of the input screen with respect to the display screen is relatively moved from the specific item position to the “main trigger” item position. <Main contract item input position relative movement processing> (S107).

On the other hand, in the determination processing of S106,
If it is determined that the main contract operation unit has not been selected, it is determined whether or not the special contract operation unit has been selected (S
108). In this determination process, when it is determined that the special operation unit has been selected (clicked), the position of the input screen with respect to the display screen is relatively moved from the specific item position to the "special" item position. This is a <special item input position relative movement process> (S109).

On the other hand, in the judgment processing of S108,
If it is determined that the special operating unit has not been selected, it is determined whether or not the guarantee operating unit has been selected (S
110). In this determination process, if it is determined that the security operation unit is selected (clicked), "S_T"
A manual sheet "able" is created and displayed (S111). Then, an input screen similar to the special input screen as shown in FIG. 7 is formed to prompt the user to input various items regarding security.

On the other hand, in the judgment processing of S110,
When it is determined that the guarantee operation unit is not selected, the determination process of whether or not the pension operation unit is selected is performed (S112). In this determination process, when it is determined that the pension operation unit has been selected (clicked), a process of relatively moving the position of the input screen with respect to the display screen from the specific item position to the item position of “pension” is performed. <Pension item input position relative movement process> (S113).

On the other hand, in the judgment processing of S112,
If it is determined that the pension operation unit has not been selected, a determination process is performed as to whether or not the main_multiplication operation unit has been selected (S114). In this determination process, when it is determined that the main_multiplication operation unit has been selected (clicked), the position of the input screen with respect to the display screen is changed from the specific item position to the item position “main_multiplication”. A process of performing relative movement will be performed <Main_multiplication item input position relative movement process> (S
115).

On the other hand, in the judgment processing of S114,
When it is determined that the main_multiplication operation unit is not selected, a determination process is performed as to whether or not the special_multiplication operation unit is selected (S116). In this determination process,
When it is determined that the multiplication unit has been selected (clicked), a process of relatively moving the position of the input screen with respect to the display screen from the specific item position to the "special_multiplication" item position is performed. <Special_multiplication item input position relative movement processing>
(S117).

On the other hand, in the judgment processing of S116,
If it is determined that the special operation unit has not been selected, a determination process is performed as to whether or not the insurance operation unit has been selected (S118). In this determination process, when it is determined that the insurance operation unit is selected (clicked), a process of displaying an insurance type name acquisition screen (for example, the screen shown in FIG. 9A) is performed. <Insurance type name acquisition screen display process> (S119).

On the other hand, in the judgment processing of S118,
When it is determined that the insurance operation unit has not been selected, it is determined whether there is another selection (S12).
2) If there is a selection, the process returns to S104, and if there is no selection, the process returns to S101 to display the basic menu screen of the management file.

On the other hand, when the insurance type name acquisition screen is displayed in S119, it is judged whether or not various items displayed on the screen are selected (S120), and various items are selected. If it is determined that the corresponding name has been input, the corresponding name is automatically input on the sheet that is the input screen (S121).

For example, when “Term insurance” on the insurance type name acquisition screen is selected, the term “Term insurance” is automatically set in the corresponding cell of the item “Type of insurance” on the input screen sheet. To do.

In this way, the steps S105 and S10 are performed.
When any one of S7, S109, S113, S115, and S117 is performed, display processing for displaying any corresponding input screen is performed (S).
231).

On the other hand, when it is determined in S120 that no item is selected, or when S121 is executed, or after the processing of S231 is executed,
Proceed to S233.

(Data Generation Processing) Next, in S102,
When the various data generation unit side (more specifically, for example, various operation buttons under the item of the management file basic menu shown in FIG. 4A) is selected (S201), first, the cover operation unit is selected. It is determined whether or not it has been performed (S202).

In this judgment processing, if it is judged that the cover operation section has been selected (clicked), the processing for forming the cover will be performed <Cover forming processing> (S2
03). On the other hand, if it is determined that the cover operation unit is not selected in the determination process of S202, it is determined whether the individual contract operation unit is selected (S204).

In this determination process, when it is determined that the individual contract operation unit has been selected (clicked), a process for creating an individual contract content list sheet (for example, the sheet shown in FIG. 10) is performed. <Individual contract content list sheet creation process> (S205). Meanwhile, S204
When it is determined that the individual contract operation unit has not been selected in the determination process of (1), the determination process of whether the individual countermeasure operation unit is selected is performed (S206).

In this determination processing, if it is determined that the individual countermeasure edition operation section has been selected (clicked), a process for creating a sheet of the individual contract content list countermeasure edition is performed <individual Contract content list countermeasure sheet creation process> (S207). On the other hand, if it is determined in the determination processing of S206 that the individual countermeasure operation section has not been selected, determination processing is performed as to whether or not the guarantee amount operation section has been selected (S208).

In this determination process, when it is determined that the guarantee amount operation unit has been selected, a process for creating a guarantee amount transition sheet (for example, the diagram shown in FIG. 13) is performed. <(Death) Security Amount Transition Sheet Creation Processing> (S209). On the other hand, if it is determined in the determination process of S208 that the guarantee amount operation unit has not been selected, a determination process of whether or not the insurance premium operation unit has been selected is performed (S210).

In this determination process, if it is determined that the insurance premium operating unit has been selected, a process for creating an insurance premium transition sheet (for example, the diagram of FIG. 14) is performed. Charge sheet creation process> (S21
1). On the other hand, if it is determined in the determination process of S210 that the insurance premium operation unit has not been selected, it is determined whether or not the cancellation and refund operation unit has been selected (S212).

In this judgment processing, if it is judged that the churn refund money operation unit has been selected, processing for creating a churn refund money transition sheet (for example, the diagram of FIG. 15) is performed. <Churn refund money transition sheet creation process>
(S213). On the other hand, when it is determined in the determination processing of S212 that the cancellation / refund operation section has not been selected, determination processing of whether or not the disassembly sheet operation section has been selected is performed (S214).

In this determination process, when it is determined that the disassembly sheet operation unit has been selected, a process for creating a disassembly sheet (for example, each drawing of FIGS. 16 to 19) is performed. (S215). On the other hand, the S
If it is determined in the determination processing of 214 that the disassembling sheet operation unit has not been selected, determination processing is performed as to whether or not the insurance premium and cancellation rate operation unit have been selected (S216).

In this judgment processing, when it is judged that the insurance premium and the churn rate operation unit have been selected,
The process of creating a transition sheet of insurance premiums and churn rate will be performed <Insurance premium and churn rate transition sheet creation process> (S2
17). On the other hand, when it is determined that the insurance premium and the churn rate operation unit are not selected in the determination process of S216, it is determined whether or not the officer retirement allowance simulation operation unit is selected. (S21
8).

In this determination processing, when it is determined that the officer retirement allowance simulation operation unit has been selected, an officer retirement allowance simulation is executed and information on the officer retirement allowance simulation result is calculated. <Director retirement allowance simulation information calculation process> (S219). Then, the result (for example, in FIG.
(Fig. 9) will be displayed. On the other hand, the above S218
If it is determined that the officer retirement allowance simulation operation unit has not been selected in the determination process, the determination process of whether or not the countermeasure trial version operation unit has been selected is performed (S220).

In this determination processing, when it is determined that the countermeasure trial version operation unit has been selected,
<Countermeasure execution processing> (S221) means that processing for executing the trial version for countermeasures is performed. On the other hand, in the determination processing of S220, when it is determined that the countermeasure trial version operation unit is not selected, it is determined whether there is another selection (S223), and another selection is made. If so, the process returns to S202. If there is no other selection, the process returns to S101.

Next, S203, S205, S20
7, S209, S211, S213, S215, S21
When any one of S7, S219, and S221 is performed, a process (display processing unit) for displaying the generated screen corresponding to any one is performed (S23).
2). At this time, among the steps S209 and S21
In 1, S213 and the like, based on the input information input on the input screen by the operation input of the user, at least one insured person is provided with insurance for each age within a specific period of the insurance information. It includes a calculation step that performs calculations to generate the amount of money for each of a plurality of products,
Therefore, in S232, based on the calculation result, at least for each insured person, the transition of each insurance amount for each age for each product is displayed in a table format.

Then, it is determined whether or not to return to the position of the menu screen (S233). In this determination process, if it is determined that the position does not return to the menu screen position, the process returns to S232, and if it is determined that the position returns to the menu screen position, the process returns to S101.

While the overall schematic processing has been described above, detailed processing relating to the processing of the main parts will be further described below.

(Executive Retirement Allowance Simulation Processing) First, the executive retirement allowance simulation processing in S219 shown in FIG. 21 will be described with reference to FIGS.

In FIG. 22, first, a template is designated (S301). Then, the own file name is used as a variable (S302).

Next, the officer retirement allowance simulation file is opened (S303). Then return control to yourself,
The input contents are copied (S304). Then, the copied contents are pasted (S305).

Then, as shown in FIG. 23, the area of V is copied back to itself (S306). Further, again, go to the officer retirement allowance simulation file and paste (S307).

In addition, it returns to itself again and copies the death protection amount starting from Entry (eg CB30) which is the input screen (S308). Further, go to the executive retirement allowance simulation file and paste it (S30
9).

Next, as shown in FIG. 24, the user returns to Entry and Entry (eg, CC670) as an input screen.
The miscellaneous income amount starting from is copied (S310). Then, once again, the director retirement allowance simulation file is visited and pasted (S311), and the process is terminated.

(Process for Disassembled Sheet) Next, referring to FIG.
The details of the processing for creating the disassembly sheet of S215 shown in FIG. 25 will be described with reference to FIGS.

First, as shown in FIG. 25, processing is performed so that the main disassembly sheet creation processing cannot be performed as an error except when a row is selected (S401). At this time, count how many ranges there are.

Next, the cell address at the beginning of the input screen sheet is displayed (S402). Further, the end cell address is displayed (S403). If all the columns have not been selected, a display process such as "Please select all columns" is performed (S404).

Subsequently, as shown in FIG. 26, copy and paste is performed for the entire selected row (S).
405). Next, a clear process is performed (S406), and copy & paste for automatic update determination is performed for the master and the slave (S407).

Next, steps S408 to S4 shown in FIG.
As shown at 12, select each decomposition sheet selected. For example, the disassembly sheet 1, "Bun_1", "Bun_1"
Disassembly sheet 2 etc. called "un_2".

[Bunkai_Settei]
Then, the program is called (S420), and the process ends (S430).

Here, in S420, "Bunka"
As shown in FIG. 28, in the process related to “i_Settei”, variables are defined (S421), size adjustment is performed on the decomposed sheet 0 of Bun_0 (S422), and initial setting is performed (S423).

Then, as shown in FIG. 29, comparison acquisition is performed (S424), and processing in the case of less than 1 (S425),
The processing is performed for each numerical value such as the processing in the case of 1 or more and less than 10 (S426), the processing of 10 or more and less than 15 (S427), the processing of 15 or more (S428) shown in FIG. 30, and then ends (S429).

(Processing for Countermeasures) Next, the details of the processing for countermeasures in S221 shown in FIG.
This will be described with reference to FIG.

(Processing regarding Open_Taisaku) First, as shown in FIG. 31, Open_Taisa
In the macro ku, selection other than the target column is disabled (S501). Next, a constant is set (S502), and information regarding the selected row is acquired (S503). Then, for example, the countermeasure selection screen as shown in FIG. 9B is displayed (S504).

Here, in the case of new creation, S_
The macro called Taisaku will be called, and in other cases, the macro called F_Taisaku will be called.

(Processing for F_Taisaku) F_
In the Taisaku macro, as shown in FIGS. 32 and 33, each macro corresponding to various operation selection units in the countermeasure selection screen shown in FIG. 9B, for example, the reference numeral “401” shown in FIG. The corresponding macro (S511) and the macro (S5) corresponding to the code “402” shown in FIG.
12), a macro (S513) corresponding to the code "403" shown in FIG. 9B, a macro (S514) corresponding to the code "404" shown in FIG. 9B, and a code "S" shown in FIG. 9B. Corresponding to "405" (S515), FIG. 9 (B)
The macro corresponding to the code “406” shown in (S516),
The macro (S corresponding to the code “407” shown in FIG.
517) and a macro (S518) corresponding to the reference numeral "408" shown in FIG. 9B are prepared.

For example, regarding the cancellation in S514, K
A macro called aiyaku is executed (S520).

(Processing for Kaiyaku) More specifically, as shown in FIGS. 34 and 35, when the operation button for canceling is clicked, a warning display indicating that the corresponding data is deleted is displayed (S521), and Entry and V_
Perform processing for each Entry sheet (S
522 and S523), a countermeasure sheet is selected and processed (S524), and the refund money is processed (S52).
5) Return to the Entry sheet which is the input screen (S52
6) and the process ends (S527).

(Processing for S_Taisaku) On the other hand, returning to the processing of S504 of FIG. 31, in the case of new creation, the macro S_Taisaku is executed (S530).

More specifically, S5 as shown in FIG.
31 is performed. Here, further, in case 0, a macro called Copy_Taisaku (S5
40) and various displayed graphics (for example, FIG. 17A)
A macro called Change_Color for changing and setting the color of the substantially triangular object in FIG.

On the other hand, in other cases, Cop
Macro called y_Taisaku, Copy_Resto
Macro called r (S550) and Chang_Col
or will be processed as a macro.

Here, Copy_Ta in S540
The macro called isaku will be processed as follows.

(Process for Copy_Taisaku) That is, as shown in FIGS. 37 and 38, first, the contents of the Entry sheet, which is the input screen, are made to wait (S5).
41). Then, the V_Entry sheet and the countermeasure sheet are selected to wait for the details regarding the refund (S54
2) Select the Entry sheet again and copy it (S5
43), and the process ends (S544).

(Process for Copy_Restore)
On the other hand, Copy_Re of S550 in S531 of FIG.
As for the macro "stor", as shown in FIGS. 39 and 40, as shown in S551 to S554, the countermeasure sheet is processed and the Entry sheet is copied.

As described above, according to the present embodiment, in insurance policies such as life insurance, when insurance information such as insurance or securities is input to various items on the input screen, for example, one insured person is insured by each company. In addition to listing in a tabular form that summarizes the changes in the amount of money for each item,
A specific parameter (for example, a change in surrender value for each age) is displayed and formed in a graph, for example, and the data is generated and output as a picture.

[0244] Furthermore, for example, it is estimated how many years after which various types of insurance should be taken, and how much will be returned if the contract is cancelled, and the tax effect etc. are automatically calculated and displayed and expressed visually. There is a point that can be done.

First, for example, an clerk or the like inputs various insurance information relating to the insurance policy in the color-displayed area on the input screen while referring to the item of the insurance policy which is a corporation. When the insurance information is input, a list is automatically generated. Thereby, for example, even when the insurance policy is lost due to a fire or the like, it is possible to confirm later based on the insurance information. Further, by inputting on one type of input screen, all types of charts can be displayed. Furthermore, the input items on the input screen are efficiently formed in a sheet shape, and the input movements can be performed smoothly, reducing the complexity of inputting insurance information one by one as in the past and reducing the input operation. I'm done.

There are various types of insurance depending on the type of insurance, such as the age until which the renewal lasts depending on the type of insurance. By setting, for example,
It is also possible to display at a glance how many years of compensation and how much compensation will continue, such as the transition of compensation, making it easier for users to understand the insurance content.

Further, the insurance premiums, for example, estimates when renewing the insurance premiums, etc., are used to calculate the charges that will increase or decrease in the future depending on the type of insurance. Whether to pay is also calculated automatically. By the way, it is possible to estimate and calculate the age at which the insurance is renewed by each insurance company, or the number of years in which it will be renewed. In addition, changes in cancellation payments can be automatically calculated.

As described above, it is possible to easily visually grasp how much money and how much money will be returned for each insurance by the length. For individuals, it is suitable for use for purposes such as estimating savings.

At this time, the amount of refund or the like is represented by the length for each fiscal year, and particularly the bar graph display means the total sum. In each case, consider the age at which you will return, for example, how much you will get at the retirement allowance of company A at the age of 65 or at the age of 70. For each insurance, how much insurance money (reimbursement) there is will be automatically calculated by putting in the age in order to put out.

As a result, it is possible to determine a guideline such as a large retirement allowance and a small retirement allowance. As a result,
For example, it is possible to determine whether the insurance is a one-off insurance or a savings insurance, and it is possible to know what kind of insurance is currently enrolled.

In addition, when used in an accounting office, miscellaneous income, reserve of insurance money, etc., how this actually changes in accounting processing, which insurance should be stopped first, etc. It is possible to make various estimations such as calculating refunds, etc., and these are also configured to support tax rates according to each insurance.

As a result, it is possible to satisfy the user's need to make a profit when the balance is in the red and to save tax when the balance is not.

By simply inputting information on the first input screen, such visualized information can be automatically output. By visualizing the insurance content, the insurance content, image The convenience in explaining is improved.

[0254] In addition, the amount of money, insurance, etc. accumulated by an officer, such as the officer / retirement allowance, is compensated for by the company whether or not the officer's retirement allowance is ready for the employee's retirement allowance. Alternatively, it can be compared with various data such as the world market price to prompt a judgment as to whether or not there is a match. At this time, it is possible to match the retirement allowance design of the officer with insurance.

Further, it is possible to calculate and compare which insurance company has the cheapest product.

Further, since it becomes possible to automatically calculate and provide the insurance analysis result information required by the accounting firm, it is necessary to understand how to improve the tax effect with the property of the company. It can be used by the office to consult customers.

[Second Embodiment] Next, a second embodiment according to the present invention will be described. Note that, in the following, description of substantially the same configuration as that of the first embodiment will be omitted, and only different portions will be described.

In the above-described first embodiment, the case where the application software, which is the insurance information management system, is installed in one information processing apparatus and is used as a so-called stand-alone has been described. As described above, in an insurance information management system having an information terminal used by a user and a management device such as a server that is communicable with the information terminal via a network, various insurance information as a database in the management device. May be configured to be managed.

Specifically, the user uses the information terminal to display the screen of the site, which is the insurance information service page of a predetermined hierarchy, on the Web and performs a predetermined procedural processing such as registration, The service is started, and various insurance information is input using the information terminal. The various insurance information that has been input is transmitted to the management device side and accumulated as a database.

Furthermore, the user uses the information terminal to
When a request to perform such analysis is sent to the management device, the management device performs various calculations based on the request from the basic information stored in advance, various sheets, and the input information. Processing is performed so that the analysis result can be browsed on the Web.

Then, for example, a predetermined fee may be charged together with the service usage fee for the analysis of one term insurance. Of course, it may be possible to set a common or different fee for various processes such as displaying the list sheet disclosed in the first embodiment, and to charge each. .

Further, as a network configuration on the system, for example, accounting information from an information terminal or a server (second information processing device) installed in an accounting office or the like is sequentially transferred to the management device. It does not matter if the management device is configured to be provided with the accounting information necessary for the calculation at any time.

As the network, for example, a mobile telephone network (including a base station and a switching system), a public telephone network, the Internet (a communication mode using TCP / IP protocol), and various other communications are used. It may be a network using a protocol, a wireless (including satellite communication, etc.) network, or a system connected to another network.

Further, the management device is for providing information to the user on the Web, for example, and is a commercially available server for the purpose of interactive Web page management and other Internet service provision or a dedicated device having a wireless / wired communication function. Server, but is provided with a program for managing insurance information according to the present invention.

Although not shown, the management device has a display means (screen) for displaying various image information and the like,
Operation input means for inputting data on the display screen of the display means, and prompting the user to display various screens such as a homepage menu screen, for example, CGI
Display processing means formed by a program or the like, transmission / reception means for transmitting / receiving various data such as user information to / from the information terminal, storage means (memory) for storing various data, control means for controlling these And so on. The configuration of each of these means is configured to be realized by various hardware and software.

As a concrete example of the hardware configuration, although not shown, it controls a communication interface for controlling communication functions, a storage device such as a hard disk, an input / output interface for inputting / outputting data from / to a terminal, and controls them. A central processing unit (CPU) and the like can be mentioned.

As software, a standard web page authoring tool and HTML, XM for realizing this graphical user interface are used.
L, XHTML, SGML, CGI, Java (registered trademark), Java (registered trademark) script, Activ
It may be programmed using a language such as eX or C.

Further, the management device is configured to include not only a standard server function but also various servers such as a web server, a database, a POP and SMTP server for sending and receiving electronic mail, and other DNS servers. It may function as a general term for systems including these.

Further, the information terminal or the management device is
A service providing function may be added to the information processing apparatus having the same function as that of the first embodiment.

As described above, according to the present embodiment, it is possible to provide a service for managing insurance information via the network while providing the same operational effects as those of the first embodiment, and The burden can be reduced.

Further, by supplying the accounting information and the like from the second information processing apparatus such as an accounting office to the management apparatus, the management apparatus can obtain the latest accounting information, and based on this, Accurate insurance management is possible.

Although the apparatus and method according to the present invention have been described in accordance with some specific embodiments thereof,
Various modifications can be made to the embodiments described in the text of the present invention without departing from the spirit and scope of the present invention.

For example, the insurance information management system of each of the above-described embodiments, the server, database, information terminal, processing program used in the information processing apparatus, the processing described, the data (eg, Entry sheet, disassembly sheet). , S_table, etc., screen data, etc.) or all parts thereof may be recorded on an information recording medium. Furthermore, the above processing program
It also includes an electronic mail software that can operate on a general personal computer or a mobile terminal, or an information recording medium that records the installed electronic mail software.

As this information recording medium, for example, RO
Semiconductor memory such as M, RAM, flash memory and the like, integrated circuits, optical disks, magneto-optical disks, magnetic recording media and the like may be used, and further, CD-ROM, hard disk, CD, FD, DVDRAM, DVDROM, MO,
It may be recorded on a ZIP, a magnetic card, a magnetic tape, a non-volatile memory card, an IC card, or the like to be configured and used.

[0275] Furthermore, examples of the medium include a wireless or infrared transmission channel between a computer and another device, a computer-readable card such as PCMC.
IA card, network connection to another computer or device on the network, temporary storage of information downloaded via the Internet, intranet, etc., including information recorded on electronic mail transmission and websites, etc. To be

By using this information recording medium in a system or apparatus other than the system according to each of the above-mentioned embodiments, and reading out and executing the program code stored in this storage medium by the system or computer, the above-mentioned each The function equivalent to that of the embodiment can be realized, and the same effect can be obtained.

[0277] In addition, O running on the computer
S, when the RTOS or the like on the information processing device performs a part or all of the processing, or the program code read from the storage area is stored in the extended function board inserted into the computer or the extended function unit connected to the computer. Even when the CPU or the like provided in the extended function board or the extended function unit performs a part or all of the processing based on the instruction of the program code after being written in the provided memory, it is equivalent to each of the above embodiments. The function can be realized and the same effect can be obtained.

Specifically, the information recording medium is a program for executing an insurance information management method for managing insurance information regarding insurance or securities using an information processing device owned by the user. . The information recording medium is configured to include an input screen for inputting the insurance information based on an operation input of the user, and a process of displaying a basic menu screen of a management file for managing the insurance information. Based on the information to perform and the input information input on the input screen by the user's operation input, for at least one insured person, each insurance amount for each age within a specific period of the insurance information Based on the information for performing the calculation for generating each of the plurality of products and the calculation result, at least for each insured, the transition of each insurance amount for each product for each age is displayed in a table format. And information for performing processing for displaying the transition of the insurance amount for each age of the insurance information in a graph format.

[0279] Further, the information recording medium displays information for performing processing for displaying the transition of the amount of ordinary death protection by age for each product and the transition of the amount of cancellation cancellation refund by age for each product. Information on the processing and the change in the amount of the annual insurance premium by age are displayed for each product, and the change in the amount of money by age in the cumulative insurance premium information, which is the cumulative total of the annual insurance premiums, is displayed for each product. And information for performing a process for displaying an analysis screen capable of displaying the analysis result of the term insurance information based on the operation input of the user.

Further, the information recording medium includes information for performing a process of displaying an analysis screen capable of displaying the analysis result of the term life insurance information based on the user's operation input,
Based on the operation input of the user, information for performing a process of displaying an analysis screen capable of displaying the analysis result of the life insurance information and the analysis result of the endowment insurance information can be displayed based on the operation input of the user. And information for performing a process for displaying an analysis screen capable of displaying an analysis result of the variable life insurance information based on an operation input by the user.

Further, the information recording medium has information for performing processing for displaying the amount curve of the subscription period and the calculation result of the investment effect on the analysis screen,
Based on the user's operation input on the basic menu screen, information for performing calculation to simulate retirement allowance, information for processing to display the calculation result, and a measure selection screen for taking measures for individual contracts are displayed. And information for performing processing to be displayed.

Further, the information recording medium is an insurance type name acquisition screen for prompting the user to select the type of insurance information desired by the user from a plurality of types of insurance information prepared in advance, based on the operation input of the user. The information for performing the processing for displaying the , Security number, payment method, gender, date of birth, insurance company, main contract death insurance amount, main contract insurance premium, main contract holding period, main contract payment period, main contract age,
Automatic renewal end year, automatic renewal renewal year, special death insurance amount, special insurance premium, special contract warranty period, special contract payment period, special contract year, increasing rate at the time of increase in main contract, increasing increase at special contract rate,
Information for performing a process of displaying so as to prompt input of any or all of annuity and payment.

Further, the information recording medium includes information for performing processing for displaying on the input screen so as to prompt input of the death insurance amount and insurance premium in the case of conversion of the main contract or the covenant, and the input screen on the input screen. , Information for performing processing to prompt input of the interval and period when the main contract or the special contract is gradually increased, and an individual contract list operation unit that prompts generation of an individual contract list sheet is formed on the basic menu screen. The information for performing the processing as described above, the information for performing the processing so that the disassembly sheet generation operation unit for promoting the generation of the disassembly sheet for each insurance product is formed on the basic menu screen, and the basic menu screen Information for performing processing so that an input movement operation unit for moving the screen display position to the input position of a specific input item on the input screen is formed.

Further, the information recording medium includes information for performing processing so that a guarantee amount transition sheet generation operation unit for promoting generation of a death protection amount transition sheet is formed on the basic menu screen and the basic menu screen. , Insurance premium transition sheet for prompting generation of insurance premium transition table Information for performing processing so as to form an operation unit and a cancellation refund payment transition sheet for prompting generation of a cancellation refund payment transition sheet on the basic menu screen. And information for performing processing so that the generation operation unit is formed.

The information processing apparatus equipped with the above-mentioned system is not limited to a personal computer, but various servers, EWSs (engineering workstations), medium-sized computers, mainframes, etc. may be used. In addition, these may be used as accessible terminals, and other terminals may be used as portable information terminals, various mobile terminals, PDAs, mobile phones, pagers, and the like. Alternatively, improved applications displayed on these terminals can be included in the scope of the present invention.

Further, the method (processing procedure) shown in FIGS. 21 to 40, the method generally described in this specification, various databases, and screen data information may be implemented using a computer system. In such a system, it is achieved by instructions in software executed by a computer as software such as an application program executed in the computer system. The software may be divided into two separate parts, one for performing the method and one for managing the user interface between the computer and the user. The software may be stored in a computer-readable medium, including storage devices, for example. The software is loaded into the computer from the computer-readable medium and executed by the computer. A computer-readable medium having such software or computer program recorded on it is a computer program product. The use of computer program products in computers achieves convenient equipment.

The program described in this embodiment is preferably resident in a hard disk or a memory, and is read and controlled by the CPU at the time of execution. Any data obtained from the intermediate storage area of the program and the network may be achieved using a semiconductor memory or with a hard disk drive. In some examples, the application program may be recorded on a CD-ROM or floppy disk and provided to the user for reading via a corresponding device or read by the user from a network via a modem device. May be.

Furthermore, the software is a magnetic tape,
ROM or integrated circuit, magneto-optical disk, wireless or infrared transmission channel between computer module and another device, computer readable card such as PCMCIA card, email transmission and recording on website etc. It is also possible to load the computer system from other computer-readable media, including the Internet and intranets containing the stored information. The foregoing description is merely exemplary of the associated computer-readable media. Other computer-readable media may be implemented without departing from the spirit of the invention.

[0289] The above-mentioned contents regarding the computer-readable information storage medium are similarly applied to the information storage medium storing the insurance type comparison system software 40 and the insurance product comparison system software 50 described later.

Further, from the above, the embodiments of the present invention are applicable to the computer industry and the data processing industry, and are applicable to computer software applications which may not necessarily comply with a specific standard. it is obvious.

Further, in the above-mentioned embodiment, the HTML data (HTML information, HTML file) is exemplified, but other languages such as XML may be used.
Furthermore, the protocol is not limited to the HTTP protocol, and may be another protocol.

[Insurance type comparison system]

The insurance type comparison system realized by the insurance type comparison system software 40 will be described below.

This insurance type comparison system is a tool for optimizing the portfolio of each customer managed by the above insurance information management system. That is, when examining combinations of various insurances that have already been enrolled, it is often desirable to make more effective combinations in accordance with the needs of subscribers and changes in the environment. for that purpose,
It is necessary to consider what kind of insurance should be newly added. This insurance type comparison system is a tool for determining the most appropriate type of insurance to meet new needs as the first step of such comparative examination.

Before describing the insurance type comparison system software 40, a server 60 to be accessed when using the software 40 and insurance product comparison system software 50 to be described later, and a database 70 attached to the server 60. Will be explained. In addition,
The server 60 and the database 70 constitute the information providing device referred to in the present invention.

As shown in FIG. 1, the server 60 is a LAN
It is configured to provide various information to the information processing apparatus 10 via a network such as the Internet or the Internet.
The information to be provided is stored in the database 70. The database 70 comprehensively stores various products handled by insurance companies. Also, for each product,
It stores all insurance information such as name, insurance type, joining conditions such as age, insurance premium amount, design contents, guarantee contents such as guarantee amount, and return rate.

(Software Module Configuration) The insurance type comparison system software 40 is an Entry described later.
An information management unit 42 that manages insurance information input from the sheet 441 or basic information including calculation formulas and various parameters related to insurance, and various information such as various sheets.
And an arithmetic processing unit 45 which is an arithmetic processing program for performing various arithmetic processing such as arithmetic for calculating the death protection amount, the insurance premium amount, the surrender value and the like for each year based on the input insurance information, An information generation unit 46 for generating various lists and graphs by writing the calculation results calculated by the processing unit 45 on various sheets, and a UI module 47 for displaying a user interface displayed when using the program. It is configured to include.

The information management unit 42 uses the Entry sheet 44.
It includes basic information 43 including various pieces of insurance information or calculation formulas and parameters related to insurance, which are input from 1, and a program for executing a search of the database 70, and various sheets 44.

On each sheet 44, as shown in FIG. 41, Entr for selecting and inputting the insurance type for comparison.
y sheet 441, comparison table sheet 442 for displaying a list of insurance information regarding the insurance type selected and input on this Entry sheet 441, input sheet 443 for inputting various insurance information, and selected insurance type Main insurance comparison sheet 444 for collectively displaying each of the enrollment purposes, and a real return rate table sheet 445 for collectively displaying insurance information such as the real return rate of the selected insurance type.
And an illustrative sheet 446 and an average sheet 44 for displaying various insurance information of the selected insurance type in a graph.
7 and are included.

The arithmetic processing unit 45 expires from the time of enrollment with respect to insurance information such as insurance premium amounts of a plurality of different insurance types, accumulated premiums paid, guarantee amount, refund amount, simple return rate and actual return rate. It functions as a transition calculating means for calculating the insurance information for each year in a specific period until the time. In addition, the arithmetic processing unit 45 also serves as a data calculating unit that calculates data required when the information generating unit 46 creates various tables and graphs. The arithmetic processing unit 45
Is an arithmetic expression (algorithm, etc.) included in the basic information 43.
Performs various calculations using parameters and parameters.

Further, as shown in FIG. 42, the information generating unit 46 creates an insurance premium amount transition table creating means 461 for creating an insurance premium amount transition table, and a cumulative total for producing a cumulative payment insurance amount amount transition table. Payment insurance premium amount transition table creating means 462, guarantee amount transition table creating means 463 for creating a guarantee amount transition table, and refund amount transition table creating means 4 for producing a return amount transition table
64, a simple return rate transition table creating means 465 for creating a simple return rate transition table, a real return rate transition table creating means 466 for creating a real return rate transition table, and a main insurance comparison table described later. Main insurance comparison table creating means 467 to be created, main insurance comparison creating means 468 to create a comparison of main insurance, which will be described later, real return rate table creating means 469 to create a real return rate table, which will be described later, and tax saving, which will be described later. It is configured to include a graphic table creating means 470 for creating a type insurance graphic table and an average comparison table creating means 471 for creating an average comparison table described later.

In the information processing apparatus 10 having such a configuration, when the insurance type comparison system software 40 is activated (by clicking an icon or the like), the program operates and various display screens described below are displayed on the display unit. It is sequentially displayed on 14b.

Hereinafter, the display screen will be described in detail while explaining the usage of the insurance type comparison system software 40.

(Entry Sheet) When the software is started, the arithmetic processing unit 46 causes the various sheets 44 to E
The entry sheet 441 is called and displayed on the display unit 14b (see FIG. 43). The Entry sheet 441 includes a personal data input unit 441a for inputting various data regarding the insured person, and an insurance type selection unit 441b for selecting an insurance type to be compared and referred to in the present invention. It is a search condition providing means.

The personal data input unit 441a has a name input space 441c for inputting the insured person's name, a birth date input space 441d for inputting the insured person's birth date, and a guarantee amount input for inputting a guarantee amount. A space 441e and an effective tax rate input space 441f for inputting an effective tax rate are included. Guarantee amount input space 441e
May be configured to directly input the desired guarantee amount, or may be configured as a pull-down menu in which various guarantee amounts such as 50 million yen and 100 million yen are selectively arranged.

The insurance type selection section 441b lists various types of insurance that can be selected as comparison targets. In the present embodiment, 10-year term insurance, long-term term insurance, 98-year term term insurance, gradually increasing term insurance, half loss increasing term insurance, 1/3 loss increasing term insurance, 1/4 loss increasing term insurance, and life insurance. , Endowment insurance, cancer insurance, 10 years old endowment insurance,
20 years old endowment insurance and two-story endowed endowment insurance are listed. A check box is attached to each insurance type, and a desired insurance type can be selected by placing a mouse pointer on the insurance box and clicking to add a check mark. For example, to select the 10-year term insurance, the check box 441h associated with the "10-year term" 441g may be clicked.

[0307] The Entry sheet 441 further includes
"GO!" Button 441i and "to comparison table" button 44
1j are provided. "GO!" Button 441i
Is used when searching for products of insurance companies related to each insurance type with respect to the insurance type selected by the insurance type selection unit 441b. The basic information 4 is searched for in the database 70.
3 is executed under the control of the CPU 14i based on a program for searching the database 70 included in the database 3 (therefore, the searching means of the present invention includes the CPU 14i and the basic information 43). "To comparison table" button 441
j is used when displaying a main insurance comparison table to be described later that displays a list of retrieved data.

[0308] It should be noted that in order to search for products performed by clicking the "GO!" The item corresponding to the search is specified by referring to the item or the like. In addition, the insurance information of each specified product is
It is downloaded through the network and stored in the storage unit 14c of the information processing device 10.

Further, the arithmetic processing section 45 arbitrarily selects one product from the searched products of each insurance type to make it a representative product of each insurance type. And the insurance premium amount of each representative's product, the total premium paid, the guarantee amount, the refund amount,
The simple return rate and the actual return rate are calculated for each fiscal year of the specific period from the scheduled participation to the expiration of each period. At this time, for example, "current" is adopted for the calculation at the time of joining.

The numerical values of the insurance information calculated by the arithmetic processing unit 45 in each of the above-mentioned years are the insurance premium amount transition table preparation means 461 of the information generation portion 46, the accumulated payment insurance amount transition table preparation means 462, and the guaranteed amount. Is processed by the transition table creating means 463, the return amount transition table creating means 464, the simple return rate transition table creating means 465, and the real return rate transition table creating means 466, and the transition table (data regarding) of each insurance information is processed. Created.

Then, the main insurance comparison table creating means 467 of the information generating section 46 uses the various sheets 44 to the comparison table sheet 4
42, and the main insurance comparison table is created by writing the data relating to the transition table of each insurance information in the comparison table sheet 442.

The display operation of the main insurance comparison table on the display portion 14b is performed by the "to comparison table" button 441j as described above.
Click to do.

In the above configuration, a representative product is arbitrarily selected from the products belonging to each insurance type. This is because products belonging to the same insurance type are
It is because there is not much difference in the insurance information. However, the method of defining the representative product is not limited to such an arbitrary selection. For example, it can be configured to always select a product of a particular insurance company. Therefore, in the description of the present system, each representative product will be simply referred to as an "insurance type" by equating it with the insurance type to which it belongs.

Since the main insurance comparison table displays the comparison table sheet 442 in which various insurance information is written, the same reference numeral 442 will be used in the following description.

(Main Insurance Comparison Table) FIG. 44 shows an outline of the main insurance comparison table 442. This major insurance comparison table 4
Reference numeral 42 corresponds to the "insurance type list" in the present invention, and as shown in the figure, movement buttons 442a to 442f for moving to other display screens, and each selected insurance type. Name 442g and display space 4 for displaying insured data and insurance information for each insurance type
42h to 442m and a transition display unit 4 that displays a transition table of insurance information of each insurance type generated by the information generation unit 46.
4n and are included.

The move button is created based on the main insurance comparison display button 442 a for displaying “Comparison of main insurance” created based on the main insurance comparison sheet 444 and the real return rate table sheet 445. Real return rate table display button 442b for displaying the "real return rate table"
And a graphic table display button 442c for displaying a “tax-saving insurance graphic table” created based on the graphic sheet 446.
And an average comparison table display button 442d for displaying an "average comparison table" created based on the average sheet 447.
And GO Ent to return to the Entry sheet 441
There are an ry button 44b5 and an input screen display button 442f for displaying an input screen created based on the input sheet 443. The display screens other than the Entry sheet 441 will be described later.

When the display screen is moved by clicking each of the move buttons, a desired insurance type can be selected from the insurance types included in the main insurance comparison table 442. In this case, the display screen including only the selected insurance type is created and displayed. The insurance type is selected by clicking the desired insurance type name 442g and reversing the brightness of the display.

As the display space provided for each insurance type, first, as a space for displaying the personal data entered in the Entry sheet 441, a name display portion 442h for displaying the name of the insured person and a birth year are displayed. There is a birth date display section 442j for displaying the date. The birth date display portion 442j also displays the current age of the insured calculated from the birth date. Furthermore, a gender display unit 442i that displays the gender of the insured is provided.

If the data regarding the insured person has already been registered in the management file, the gender and birth date of the insured person are described in the management file even if they are not entered in the Entry sheet 441. The personal data may be retrieved by using the name as a keyword and acquired. Further, a check box or the like for inputting the gender may be arranged in the personal data input unit 441a of the Entry sheet 441.

The insurance information acquired from the database 70 is also displayed in the display space for each insurance type, and the insurance amount display portion 442k for displaying the annual amount of insurance is displayed.
And a design content display section 442l for displaying insurance type design content, that is, insurance term and maturity information, and a security content display section 442m for displaying security content such as insurance amount. The annual insurance premium amount displayed in the insurance premium amount display portion 442k is, for example, for a 10-year term insurance, which has an update for each maturity, the insurance premium amount transition table creating means 4
Based on 61, the insurance premium amount in each insurance period is displayed.

On the other hand, in the transition display section 442n, an age display section 442o for displaying the age of the insured person in each year within the insurance period, and a transition table preparation means 46 for the cumulative paid insurance premium amount.
2 is a cumulative pay-in insurance amount transition display unit 442p that displays the cumulative paid-in premium amount for each age, and a return that displays the return amount for each age created by the return amount transition table creating unit 464. An amount change display portion 442q,
A simple return rate transition display unit 442r that displays the simple return rate for each age created by the simple return rate transition table creating unit 465, and a substance for each age created by the actual return rate transition table creating unit 466. The actual return rate transition display unit 442s for displaying the return rate is included.

Further, in the main insurance comparison table 442, Ent
An effective tax rate display portion 442t that displays the effective tax rate input in the effective tax rate input space 441f of the ry sheet 441 is provided. Further, regarding the accounting processing of each insurance type, an accounting processing display unit 442u is provided for displaying a total loss, a half loss, a full asset recording, and the like.

Incidentally, FIG. 44 shows a part of the main insurance comparison table 442. Other parts not shown in FIG.
Only the same type of display as in 4 is repeated. That is, the main insurance comparison table 442 further has display contents in the downward direction and the rightward direction toward the figure. In the downward direction,
The age display portion 442o of the transition display portion 442n is, for example, 75
It is displayed up to the age, and insurance information for each age is also displayed. Also, as can be seen from FIG. 44, Entr
The rightward length is determined according to the number of insurance types selected in the insurance type selection unit 441b of the y-seat 441.

In this embodiment, 10-year term insurance, long-term term insurance, 98-year term term insurance, incremental term insurance, 1/2 term term insurance, life insurance and endowment insurance are selected and displayed in the main insurance comparison table 442. The following various screens will be described as those that have been performed.

(Input screen) FIG. 45 shows the main insurance comparison table 4
42 shows an input screen 433 which is displayed when the input screen display button 442f of 42 is clicked. This input screen 4
An input sheet 443 of various sheets 44 is displayed at 33. The input screen 443 is for inputting insurance information for each year exceeding the period (75 years old in the above case) displayed in the transition display portion 442n of the main insurance comparison table 442. Further, the input screen is provided for each insurance type included in the main insurance comparison table 422.

The input screen 443 shown in FIG. 45 is an input screen relating to 10-year term insurance, and includes an insurance type display section 443.
a, accounting processing display unit 443b, and gender display unit 443c
And an elapsed years display section 443d indicating each year exceeding the displayed period, and a simple return rate input section 44 for inputting the simple return rate for each year shown on the elapsed years display section 443d.
3e and an insurance premium input unit 443f for inputting the insurance premium for each year shown in the elapsed years display unit 443d. "Return" button 443g is the main insurance comparison table 44
Click to go back to 2.

The insurance information input on the input screen 443 is
It is reflected in the main insurance comparison table 442 and is transitively displayed as insurance information for each year of the input period. Therefore, according to this input screen 443, the main insurance comparison table 44
Since insurance information for periods (years) not displayed in 2 can be raised to the level of comparative examination of insurance types, it is possible to meet a wider range of needs.

(Comparison of Main Insurance) Next, the main insurance comparison screen 444 displayed when the main insurance comparison display button 442a of the main insurance comparison table 442 is clicked will be described. The main insurance comparison screen 444 is based on insurance information of insurance types included in the main insurance comparison table 442.
It is a screen displaying a list of the results of assessing the effect of each insurance type on the items related to the purpose of enrolling in insurance. Since the characteristics of each insurance type are displayed in an easy-to-understand manner on this main insurance comparison screen 444, it is possible to promote the understanding of those who have little prior knowledge about insurance.

The main insurance comparison screen 444 is a list display screen as shown in FIG. 46, in which the purpose of enrollment for assessing the impact (effect) of each insurance type on the insurance purchaser and / or the insured person is set. The main components are a membership purpose item display unit 444f described for each insurance type and an assessment result display unit 444g that displays the results of the assessment performed for each insurance type item for each insurance type.

Similar to the main insurance comparison table 442, move buttons 444a to 444d are provided. Furthermore, a "return" button 444e for returning to the main insurance comparison table 442 is arranged. Note that the move button is also provided in a real return rate table, a tax-saving insurance graphic chart, and an average comparison table, which will be described later, and therefore a description thereof will be omitted below.

For the purpose of enrolling in the insurance, the enrollment purpose item display section 444f shows a single-year tax item indicating the tax-saving effect of the insurance type in a specific year (for example, the first year) from the time of enrollment to the expiration of the period, Long-term tax-saving items that show tax-saving effects at the time when a specific period elapses from the scheduled participation to the expiration of the period (for example, the 10th year), cash-flow items that show the effect on the cash flow of the insurance purchaser, and A guarantee priority item indicating a priority, a stability item of simulation indicating a stability when a simulation is performed for insurance types, and a maturity countermeasure item regarding a measure at the time of maturity of the insurance period are listed.

Assessment result display section 444 for each insurance type
For g, for each item described in the subscription purpose item display section 444f, “◯” is given when the assessment result is good, “Δ” is given when the assessment result is not particularly good or bad, and “x” is given when it is bad. Each is attached. For single-year tax items and long-term tax items, the simple return rate and the real return rate, which are the basis of the assessment, are added together. With regard to cash flow items, guarantee priority items, simulation stability items, and maturity countermeasure items, comments that are the basis of the assessment are added together.
Also, as points for selection, etc., trends of each insurance type,
Comments are made about who is the main target.

The above-mentioned assessment may be performed by a preset configuration for each insurance type, but for example, the arithmetic processing unit 45 may perform it in the following manner. However, the comment and the like are set in advance. For single-year tax items and long-term tax items, the basic information 43 is "○",
Thresholds of simple return rate and real return rate to be assessed as “△” and “x” respectively (threshold between “○” and “△”, and between “△” and “x” respectively) There is a threshold value between). The arithmetic processing unit 45 determines the assessment result by comparing the simple return rate and the actual return rate of each insurance type displayed in the main insurance comparison table 442 with the above threshold value. The threshold can be changed by the user.

The cash flow item is evaluated in consideration of the content of accounting processing and the amount of insurance burden. For example, in FIG.
In the case of the 10-year term insurance in 6 above, the loss amount and the insurance premium burden amount are the same amount, which is advantageous in accounting, and is therefore indicated as “◯”.

The security priority items are the insured person,
It is assessed based on the use of insurance money or refund. In FIG. 46, the insured person is a manager in all insurance types, and the insurance premium or refund can be used for business security and / or preparation for director retirement payment,
It is assessed as "○".

Further, in the stability item of simulation, an assessment is made according to the reliability of the numerical value obtained by performing the simulation. For all types of insurance in FIG. 46, the insured is limited, and the continuation of insurance, payment, and cancellation timing can be freely adjusted, so the assessment is good.

As for the maturity countermeasure items, the quality of the assessment is determined by whether or not the insurance has matured and the flexibility of the measures that can be taken at the time of maturity. For all insurance types in Figure 46,
The assessment is "○" because it is possible to change to paid whole life insurance at the time of maturity and the cancellation period can be freely selected.

As described above, since it is possible to compare and evaluate each insurance type in various ways and the notation format is easy, the comparison screen 44d of this main insurance is useful for comparing insurance types. It can be said to be a powerful tool in.

Since the main insurance comparison screen displays the main insurance comparison sheet 444 in which information such as assessment is written, the same reference numeral 444 is attached in FIG. 46.

(Real Return Rate Table) The real return rate table compares the real return rate of each insurance type in a specific year (for example, 10 years after joining) within the insurance period, at the time of cancellation (or maturity). It is intended to compare the advantages in.

This real return rate table is the main insurance comparison table 44.
In response to the clicking of the real return rate table display button 442b of No. 2, it is created by the real return rate table creating means 469 of the information generating unit 46. More specifically, the real return rate table creating unit 469 is based on the necessary insurance information in the above specific year calculated by the arithmetic processing unit 45 as the data calculating unit and the real return rate table sheet 445 of the various sheets 44. Create it. In this way, the real return rate table is
Since the actual return rate table sheet 445 in which the insurance information is written is displayed, the same reference numeral 445 is used.

The real return rate table 445 whose schematic configuration is shown in FIG. 47 includes the real return rate of each insurance type and the insurance information necessary for calculating the real return rate (and calculated from this insurance information). It is a list showing accounting processing, total insurance premium, tax saving amount, cancellation return amount or maturity return amount, and simple return rate, which are intermediate insurance information). According to the actual return rate table 445 displayed including such insurance information, it is possible to easily compare the return amounts in a specific year, and a considerable amount is required at a specific time such as an officer retirement allowance. It is possible to select the optimal insurance type for the case.

(Tax-saving insurance graphic chart) The tax-saving insurance graphic chart is a graphic chart display button 442c of the main insurance comparison table 442.
This is the screen linked from. In this tax-saving insurance graphic chart, the graphic chart creating means 470 of the information generating unit 46 makes each of the accounting process, the guarantee amount (transition), the annual premium amount (transition) and the insurance period in the main insurance comparison table 442. It is created by writing the insurance information in the illustrated sheets 446 of the various sheets 44. Therefore, hereinafter, the same reference numerals as those of the graphic sheet 446 are attached to the tax-saving insurance graphic table for explanation.

A tax-saving insurance diagram 446 whose schematic structure is shown in FIG. 48 shows changes in the amount of insurance and the annual amount of insurance premium from the time of enrollment of each insurance type to the end of the insurance period (including renewal). A graph is displayed, where the horizontal axis represents the age of the insured and the vertical axis represents the guarantee amount. Also, the trend of the annual insurance premium amount is displayed.

The graph 446x of the 10-year term insurance will be described as an example. This graph 446x defines the time at the time of insurance coverage as the present age of 50, and considers the period up to the age of 80 including two renewals (at the ages of 60 and 70).
The guarantee amount is a fixed 100 million yen during this period (446f). In addition, the amount of insurance will be changed at each renewal, and will be approximately 830,000 yen (446g) for the first 10 years and the next 1
Approximately 1,800,000 yen (446h) in 0 years, and the last 10
The annual cost is about 4.43 million yen (446i).

On the other hand, looking at the graph 446y for increasing term insurance, the insurance period is from 50 to 70 years old, and the annual premium amount during that period is constant at about 41.11 million yen (446
k). In addition, it can be seen that the amount of guarantee is gradually increasing from 100 million yen at the age of 50 (446j).

As described above, according to the tax-saving insurance diagram 446, it is possible to understand at a glance the transition of the amount of guarantee and the amount of annual insurance premium within the insurance period, and therefore the amount of insurance and the amount obtained by the insurance. It becomes possible to easily compare with.

(Average Comparison Table) The average comparison table is for comparing the investment amounts when the guarantee amount is fixed in a specific period within the insurance period. In other words, it is a screen for comparing insurance types by their investment effects. This average comparison table is a screen created when the average comparison table display button 442d of the main insurance comparison table 442 is clicked, and the average comparison table creating means 4 of the information generating unit 46.
71 is created by writing the data calculated by the arithmetic processing unit 45 as the data calculation means on the average sheet 447 of the various sheets 44. Therefore, the same reference numerals as those of the average sheet 447 are attached to the average comparison table and the following description will be given.

The average comparison table 447 whose configuration is schematically shown in FIG.
This is obtained when the year is set and the guarantee amount is set to 100 million yen. These settings may be fixed, or a setting changing means may be separately provided to change the settings.

For insurance types in which the amount of guarantee fluctuates within the specified period, such as increasing term insurance, the average value of the amount of guarantee during the period is calculated, and this is corrected to the fixed amount of guarantee mentioned above. Then, the average comparison table 447 is displayed.
Further, this calculation is performed by the calculation processing unit 45.

An example of how to read the average comparison table 447 in FIG. 49 will be described below by comparing the 10-year term insurance with the (total loss) incremental term insurance. With 10 year term insurance 447x,
There are no refunds after 10 years, so you will have to pay an insurance premium of 8.3 million yen (approximately) in 10 years (447).
f). Therefore, it means purchasing 10 million yen of security for 10 years at 8.3 million yen (447).
g). On the other hand, in the incremental term insurance 447y, the amount of insurance paid to obtain a guarantee of 100 million yen over 10 years is 41.07 million yen.

However, the cancellation refund in the 10th year of the incremental term insurance 447y is 79.3% (447h), so if you cancel here, 32.56 million yen will be returned (447
i). In other words, the insurance premium actually paid in 10 years is 8
The price is 510,000 yen (447j, 447k), which is not much different from the case of 10-year term insurance 447x. However, the cumulative insurance premium of 410.70 million yen paid in 10 years is all recorded as a loss for accounting purposes, so the incremental term insurance 447y has a high tax saving effect. Therefore, 10-year term insurance 447x (assuming you can pay a high annual premium)
It can be concluded that the increasing term insurance 447y is more advantageous than the increasing term insurance.

Thus, according to the average comparison table 447,
It is possible to see at a glance how much insurance premium is required if the period and the guarantee amount are fixed, including the advantages and disadvantages in accounting.

(Regarding the processing procedure) The insurance type comparison system software 40 has the above-mentioned screen configuration. Below, the display processing and data processing of each screen displayed by the software 40 will be described in detail. To explain. The screen display process is a process for moving the screen in response to clicking the various buttons. The display process and the data process are executed by the calculation unit 45 as a transition calculation unit and the control unit including the CPU 14i, the information management unit 42, and the information generation unit 46.

(Data processing for acquiring insurance information)
In order to input various search conditions to the Entry sheet 441 and to obtain insurance information regarding the insurance type that matches the search conditions, the “GO!” Button 441i shown in FIG.
Click. The data processing at this time follows the macro called Sub fGO shown in FIG.

When the "GO!" Button 441i is clicked, first, the template and the current directory are designated (S601). Here, the insurance type selection unit 441
If no check mark is attached to any of the insurance types listed in b, a message box (not shown) stating "There is no report to be issued" is displayed (S602).

When at least one insurance type is selected in the insurance type selection section 441b, "Import data. If you want to import data, press Yes. If you only want to switch the display, press No." And a message box (not shown) including a "Yes" button and a "No" button is displayed. When the "Yes" button is clicked, the server 60 is accessed, the database 70 is searched, and the data (insurance information) regarding the applicable insurance type is downloaded. If the "No" button is clicked, nothing is done (above S603). Then, the information generation unit 46 generates data displayed on the main insurance comparison table 44b and activates the comparison table sheet 442 (S604).

The macro shown in FIG. 51 corresponds to S601 in FIG.
This is a macro for designating a template (S605). According to the figure, when specifying the template,
If the flag is 0, that is, if the flag is not set, the full path is selected, and if the flag is 1, that is, if the flag is set, the automatic path is selected (S6).
05).

(Process for displaying main insurance comparison table)
The display process of the main insurance comparison table 442, which is a macro shown in FIG.
It is executed by clicking 1j (S606). At this time, the main insurance comparison table 442 is displayed including the acquired insurance information if the data is acquired in S603,
Otherwise, it is displayed without insurance information.

(Other Display Processing) FIG. 53 is a macro for executing the screen movement processing by clicking each button provided in the main insurance comparison table 442. Each,
FIG. 53 (A) is a macro for clicking the main insurance comparison display button 442a to move to the main insurance comparison screen 444 (S607), and FIG. 53 (B) is a real return rate table display button 442b. And the actual return rate table 445
For moving to the next step (S608), FIG. 53 (C)
Is a macro for moving to the tax-saving insurance graphic chart 446 by clicking the graphic chart display button 442c (S609),
FIG. 53D shows a macro (S for clicking the average comparison table display button 442d to move to the average comparison table 447).
610) and FIG. 53 (E) show GO Entry button 4
The macro for returning to the Entry sheet 441 by clicking 42e (S611), and in FIG. 53 (F), the input screen display button 44b6 is clicked.
This is a macro (S612) for moving to 3.

(Operation) According to the insurance type comparison system configured as described above, the main insurance comparison table 442 is centered on the consideration of the purpose of enrollment on the main insurance comparison screen 444, and the cancellation based on the real return rate table 445. It is possible to carry out a comparative examination of insurance types with consideration of the advantage at the time of (maturity). In addition, tax-saving insurance diagram 446 and average comparison table 44
By using 7, it becomes easy to understand the characteristics and advantages and disadvantages of each insurance type. Furthermore, the input screen 44
Using 3 makes it possible to compare and examine insurance types that meet a wide range of needs.

[Insurance product comparison system]

The insurance product comparison system realized by the insurance product comparison system software 50 will be described below.

This insurance product comparison system, like the insurance type comparison system described above, is one of the tools for optimizing the portfolio managed by the insurance information management system. The insurance product comparison system is used to determine, for each insurance type, which insurance company's product best suits the needs of insurance purchasers.

The insurance product comparison system realized by the insurance product comparison system software 50 shown in FIG. 1 can access various kinds of insurance information from the database 70 by accessing the server 60 as in the above-mentioned insurance type comparison system. Is configured. However, when necessary insurance information is already downloaded and stored in the storage unit 14c by using the insurance type comparison system software 40 first, this insurance information can be used as it is.

(Software Module Configuration) The insurance product comparison system software 50 is inputted with an information management section 52 for managing various insurance information, basic information including arithmetic expressions and various parameters related to insurance, various sheets and the like. An arithmetic processing unit 5 which is an arithmetic processing program for performing various arithmetic processing such as arithmetic for calculating death protection amount, insurance premiums, surrender value and refund based on insurance information.
5, an information generation unit 56 that generates various lists and graphs by using various sheets based on the result calculated by the calculation processing unit 55, and a user interface displayed when using the program. And a UI module 57 for

The information management unit 52 displays basic information 53 including insurance information input from a menu screen described later or calculation formulas and various parameters relating to insurance, a program for executing a search of the database 70, and the present system. Various sheets 54 made up of screen data (sheets and forms) for generating various displayed screens.

FIG. 54 shows the structure of various sheets 54, that is, the sheets and forms included in the various sheets 54. Sheets and forms are displayed on the display unit 1 of the information processing device 10.
Image data for forming various screens displayed on 4b. Various sheets 54 are control panel 540
, Company information sheet 541, ranking form 54
2, a ranking sheet 543, a management file sheet 544, a management file migration form 545, a print form 546, a plan registration form 547, a plan calling form 548, a plan sheet 549, and a proposal registration form 550, Proposal Registration Sheet 551, Registration Proposal Plan Form 552, Call Proposal Plan Form 553, Proposal Plan Sheet 554, Proposal Print Form 555, Transfer Chart Sheet 556, Simple Return Rate Transition Graph Sheet 557, a guarantee amount transition graph sheet 558, a miscellaneous income transition table sheet 559, and an accounting process breakdown table sheet 560.

The control panel 540 forms a control panel described later. Also, company information sheet 54
1 forms a company information setting screen described later. The ranking form 542 also forms a screen for setting conditions for creating a ranking. Further, the management file sheet 544 and the management file migration form 545 form a screen for migrating to the management file. The print form 546 also forms a screen that prepares to print the display screen. Also, plan registration form 54
7. The plan call form 548 and plan sheet are
Form a screen for registering and calling a plan to be described later. Further, the proposal registration form 550 forms a screen for registration as a proposal described later. Further, the proposal registration sheet 551 forms a proposal registration control panel described later. The registration proposal plan form 552, the call proposal plan form 553, the proposal plan sheet 554, and the proposal print form 555 respectively form screens displayed by the operation from the registration proposal control panel. In addition, transfer sheet 5
56 forms the transfer table mentioned later. The simple return rate transition graph sheet 557 forms a simple return rate transition graph described later. Also, the transition graph sheet 55 of the amount of guarantee
8 forms a transition graph of the guarantee amount described later. The miscellaneous income transition table sheet 559 forms a miscellaneous income transition table described later. Further, the accounting process breakdown table sheet 560 forms an accounting process breakdown table described later.

The arithmetic processing unit 55 has insurance information such as insurance premium amount, guarantee amount, return amount, simple return rate and real return rate of a plurality of different insurance types, deduction amount and capitalized amount in accounting process, With respect to miscellaneous income, it works as a transition calculating means for calculating the insurance information and the like for each fiscal year of a specific period from at least the scheduled participation to the expiration of the period. The arithmetic processing unit 55 also calculates data required when the information generating unit 56 creates various tables and graphs. The arithmetic processing unit 56 executes various arithmetic operations using arithmetic expressions (algorithms etc.) and parameters included in the basic information 53.

FIG. 55 shows the structure of the information generator 56. The information generating unit 56 includes a simple return rate transition table creating means 561 for creating a simple return rate transition table and a ranking creating means 56 for creating a ranking of products of insurance companies.
2, a simple return rate transition graph creating means 563 that creates a simple return rate transition graph, and a guaranteed amount transition graph creating means 564 that creates a (death) guarantee amount transition graph.
Miscellaneous income transition table creating means 565 for creating an accounting miscellaneous income transition table, accounting process breakdown table creating means 566 for creating an accounting process breakdown table, and insurance amount transition for creating an insurance premium amount transition table It is configured to include a table creating unit 567 and an insurance premium amount transition graph creating unit 568 that creates an insurance premium amount transition graph.

Insurance product comparison system software 50
Sequentially displays various screens described below on the display unit 14b. Below, insurance product comparison system software 50
The display screen will be described in detail while explaining the usage pattern of.

[0373] Note that each display screen
It is formed by calling the sheets and forms included in the various sheets 54 and writing the calculation result by the calculation processing unit 55 to the sheet or the like if necessary. That is, there is a one-to-one correspondence between each sheet or form and the display screen based on it (if the calculation result of the written insurance information or the like is determined). Therefore, the following display screens are given the same reference numerals as the corresponding sheets and forms.

(Control Panel) When the insurance product comparison system software 50 is activated, the control panel 540 of each sheet 54 is called and displayed as the control panel 540 shown in FIG. The control panel 540 shown in the figure is a screen for performing operations for using various functions of the insurance product comparison system software 50. The control panel 540 includes a search condition setting unit 540a for setting search conditions.
In addition, buttons for performing various operations by clicking with a mouse (not shown) are provided.

The search condition setting unit 540a corresponds to the "search condition providing means" in the present invention, and includes an insurance type setting unit 540b for setting the insurance type and an accounting process setting unit 540c for setting the accounting process. And a guarantee amount setting unit 540d for setting the insurance amount (guarantee amount).

In the insurance type setting section 540b, "increasing term insurance" and "long term term insurance" are switched and displayed by an operation from the insurance change button described later, and the database 70 is searched by displaying either of them. Set the insurance type as a condition. A specific setting method will be mentioned in the description of the insurance change button (see the flowchart of FIG. 81).

Accounting processing setting unit 540c and guarantee amount setting unit 540d are so-called pull-down menus. In the accounting process setting unit 540c, items regarding accounting processes such as “total loss”, “half loss”, and “total capitalization” are listed. In addition, the guarantee amount setting section 540d lists items relating to guarantee amounts such as "100 million" and "50 million". The user selects a desired one from the listed items and sets the search condition for searching the database 70.

With the activation of the software 50, for example, "total loss incremental term insurance with a guarantee amount of 100 million",
The default search condition may be displayed. When the software 50 is used subsequently to the insurance type comparison system software 40, based on the insurance type selected by the insurance type comparison system software 40,
The search condition setting unit 540a may be set automatically.

Further, the control panel 540 has
"Go!" Button 540e, company information setting button 540
f, ranking button 540g, management file button 5
40h, insurance change button 540i, print button 540
j, plan registration button 540k, proposal registration button 54
0l, transfer table creation button 540m, blank column hide button 5
40n, a plan call button 540o, and a proposal display button 540p are provided.

When the "Go!" Button 540e is clicked, the information processing apparatus 10 accesses the server 60, searches the database 70 based on the search condition set by the search condition setting unit 540a, and satisfies the search condition. Insurance Get insurance information about products of each company. Database 7
The search for 0 is executed by the control of the CPU 14i based on the program included in the basic information 53 for searching. Therefore, the "search means" of the present invention is composed of the CPU 14i and the basic information 53.

When the company information setting button 540f is clicked, a company information setting screen described later is displayed based on the company information sheet 541 of the various sheets 54. Also, if you click the ranking button 540g, various sheets 5
4 ranking form 542 is displayed. Further, when the management file button 540h is clicked, a simulation screen described later is displayed based on the management file sheet 544 of the various sheets 54. Also, the insurance change button 540i
When is clicked, the display of the insurance type setting unit 540b is switched, and the search condition (insurance type) is switched and set.
When the print button 540j is clicked, the print form 546 of the various sheets 54 is displayed. Also, if you click the plan registration button 540k, various sheets 5
4 plan registration form 547 is displayed. When the proposal registration button 540l is clicked, the proposal registration form 550 of the various sheets 54 is displayed. Also,
When the transfer table creation button 540m is clicked, a transfer table to be described later is displayed based on the transfer table sheets of the various sheets 54. Further, when the blank column non-display button 540n is clicked, the blank portion of each displayed spreadsheet is not displayed. When the blank portion is not displayed (at this time, the display of the button 540n is switched to “display all”), the blank portion is displayed. Also, when the plan call button 540o is clicked, the plan call form 54 of various sheets 54 is displayed.
8 is displayed. When the proposal display button 540p is clicked, the proposal registration sheet 55 of the various sheets 54 is displayed.
Based on 1, the proposal registration control panel described later is displayed.

The screen displayed in response to the operation of each button will be described below. As shown in FIG. 56, the insurance type setting unit 540b selects "incremental fixed period" and the accounting process setting unit 540c selects "total loss" to set the guarantee amount in the screen related to the description. Part 540
In d, the screen is displayed when "100 million" is selected. In other words, consider the case in which "total loss loss term insurance with a guarantee amount of 100 million" is set as the search condition.

When the search condition is set, the “Go!” Button 540e is clicked to search the database 70 for the product corresponding to the search condition and obtain the related insurance information.

(Simple Return Rate Table of Each Company) First, the simple return rate table of each company will be described with reference to FIG. 57 and FIG. 58, in which a list of insurance information which is the basis of various processes by the insurance product comparison system is displayed. The simple return rate table of each company corresponds to the “insurance product list” according to the present invention.

When a ranking button 540g on the control panel 540 is clicked, a ranking form 542 shown in FIG. 57 is displayed. Ranking Form 5
Reference numeral 42 is a screen for setting conditions for ranking the products corresponding to the search. This ranking form 5
42 is a condition for ranking (ranking condition)
The ranking condition setting unit 542b is provided together with the message 542a for prompting the setting. The ranking condition setting unit 542b includes a peak return rate selecting section 542c and a specific year return rate selecting section 542d.

When the peak return rate selecting section 542c is clicked, the peak value of the cancellation return rate in a specific period within the insurance period is set as a ranking condition. On the other hand, when the specific year return rate selection unit 542d is clicked and the specific year within the specific period is input in the input space 542e, the cancellation return rate in the year is set as a ranking condition. The above fiscal year means the number of years that have passed since the subscription was scheduled. In addition, the cancellation return rate here is
It means the simple return rate (not the actual return rate).

[0387] Ranking conditions are set in this way, and OK
When the button 542f is clicked, each company's simple return rate table is displayed. In addition, in the present embodiment, the above-mentioned specific period from the time of scheduled participation (50 years old) to 64 years old is 15
Set as a year, and as a ranking condition, set a cancellation return rate (simple return rate) in the tenth year (59 years old) from the time of joining.

The Cancel button 542g is a button for canceling the process for displaying the simple return rate table of each company.

The simple return rate table for each company is displayed by the arithmetic processing section 55 and the information generating section 56 in the following manner. First,
Based on the insurance information acquired from the database 70, the arithmetic processing unit 55 calculates a simple return rate for each product in each year of the specific period. Further, the arithmetic processing unit 55
Compares the simple return rate of each product based on the ranking conditions that have been set (simple return rate in the 10th year). The ranking creating means 562 of the information generating unit 56 is the arithmetic processing unit 5.
The products are ranked based on the result of the comparison performed by No. 5, the ranking sheet 543 is called from the various sheets 54, and the products are written on the ranking sheet 543 in the order of the ranking. At this time, various insurance information to be described later is also written on the ranking sheet 543. In particular, the simple return rate transition table creating means 561 of the information generation unit 56 creates a simple return rate transition table in the form of a list of the simple return rates of the respective products by the arithmetic processing unit 55, and the ranking sheet 543. Write in. Then, the OK button 54
A ranking sheet 543 is displayed corresponding to the click on 2f. That is, the simple return rate table of each company is the ranking sheet 543 in which necessary data is written.

FIG. 58 is a diagram showing an outline of the structure of each company simple return rate table 543 displayed as described above. The simple return rate table 543 of each company will be described below with reference to FIG. 58 (A) and 58 (B),
Each is a diagram showing a part of each company's simple return rate table 54h,
A combination of both is the entire screen of each company's simple return rate table 543.

In each company simple return rate table 543, first, a title 543a, an insurance purchaser name 543b, and personal information 543c of the insured person are displayed. Title 543
“A” indicates a search condition (a term insurance with a progressive increase in total loss). The insured person's personal information 543c includes the insured person's name, date of birth, age, and sex.

Next, a list of ranked products will be described. In this list, the rank display portion 543
d, insurance company display section 543e, and rating display section 543
f, insurance type display portion 543g, and option display portion 5
43h, insurance period display unit 543i, payment period display unit 543j, insurance amount display unit 543k, insurance premium display unit 543l, total insurance premium display unit 543m, return rate display unit 543n, and ranking process A date display portion 543p for displaying the date when the process is performed and a transition graph display button 543q for creating and displaying a transition graph described later are provided.

Numbers 1 to 10 are arranged in the rank display portion 543d, and respectively show the ranking results 1 to 10. In addition, the insurance company display portion 543
In e, the names of insurance companies that handle products are arranged in the ranking order. In addition, the rating display section 543f displays the rating of each insurance company. Further, a more detailed type name of the product is displayed on the insurance type display portion 543g. In addition, the option display portion 543h displays information regarding options of each product. Further, the insurance period display portion 543i displays the insurance period of each product. Further, the payment period display portion 543j displays the payment period of the insurance premium of each product. In addition, the insurance amount display portion 543k displays (a breakdown of) the insurance amount of each product. Further, the insurance premium display portion 543l displays (the breakdown of) the insurance premium of each product. Further, the total insurance premium display portion 543m displays the total insurance premium of each product. In addition, in the return rate display portion 543n, the return amount is displayed in addition to the simple return rate in each year of the specific period within the insurance period. The return rate display section 543n
Is a simple return rate transition table created by the simple return rate transition table creating means 561.

By the way, the ranking conditions set are:
It was the return rate 10 years after the scheduled subscription. To check whether the ranking is right or wrong, looking at the column 543o displaying the return rate of each product at the age of 59, the simple return rate of each product is 83.8%, 82.0%, 79.3 in order of rank.
%, 79.2%, 78.7%, 78.2%, 77.6
%, 77.4%, 77.0%, 75.6%. Therefore, the rankings shown in each company's simple return rate table 543 certainly satisfy the ranking conditions.

[0395] It should be noted that the peak value of the return rate of each of the displayed products, for example, 88.
By changing the color of the cell, such as 4% and 5th place products, 78.8% at the age of 60, it is possible to recognize the peak return rate at a glance.

Further, a total display section may be further provided for displaying the total insurance amount of ranked products, the total amount of insurance premiums, the average simple return rate and the total return amount in each year ( The total display section is shown in FIG.
9).

Each company's simple return rate table 543 is a basic table for conducting a comparative examination on which product to subscribe. For example, if each company's simple return rate table 543 is created using the simple return rate in the year in which the insured becomes a retirement age as a ranking condition,
It can be used to weigh which product is most advantageous to cover the retirement age of the insured. Also,
Since the amount of insurance premiums to be paid, various special contracts, options, etc. can be taken into consideration when carrying out a comparative examination, it is possible to realize a more specialized and effective examination.

Even when the simple return rate table 543 of each company is displayed, the control panel 540 is displayed on the display unit 14b so that various operations can be performed.

(Transition Graph) A graph display process can be performed as one of the processes based on the various insurance information included in each company simple return rate table 543 described above. this is,
This is a function for clarifying the object of comparative examination, that is, the characteristics of each product, by visualizing the insurance information.

First, from the products displayed in each company's simple return rate table 543, the product desired to be graphed is selected. The selection of the product is performed by the rank display portion 543 corresponding to the desired product.
It is executed by clicking d (selection means in the present invention). When a desired product is selected and the transition graph display button 543q is clicked, the following transition graph is created and displayed on the display unit 14b.

The displayed transition graph includes a simple return rate transition graph (see FIG. 60) in which a transition of the simple return rate is graphed, and a guarantee amount transition graph (see in FIG. 61) which is a transition of the guarantee amount. ) There is.

The transition graph of the simple return rate is the information generation unit 5
6, the simple return rate transition graph creation means 563 calls up the simple return rate transition graph sheet 557 of each sheet 54, and writes the data displayed in the return rate display unit 543n as a line graph. .

The transition graph of the guarantee amount is created in the following manner. First, the arithmetic processing unit 55, based on the insurance amount (guarantee amount) displayed in the insurance amount display unit 543k and / or the guarantee amount of each product stored in the storage unit 14c, the guarantee amount of each product in each year. To calculate. Then, the guarantee amount transition graph creating means 564 calls the guarantee amount transition graph sheet 558, and writes the guarantee amount calculated in each year by the arithmetic processing unit 55 as a line graph, thereby creating a guarantee amount transition graph. It

59 and 61, the transition graph of the simple return rate and the transition graph of the guarantee amount when the top three products in the ranking of the simple return rate table 543 of each company are selected will be described.

Incidentally, the selected product simple return rate table shown below in FIG. 59, the simple return rate transition graph shown in FIG. 60, and the guarantee amount transition graph shown in FIG. 61 are all arranged on one display screen. Is configured. By adopting such a display form, it becomes possible to compare and compare each transition graph and various insurance information. Of course, other display forms such as a configuration in which only each transition graph is displayed, a configuration in which only the selected product simple return rate table and any transition graph are displayed may be adopted.

FIG. 59 is a list showing various insurance information relating to these three products when the top three products in the ranking of each company's simple return rate table 543 are selected and graphed. This list is obtained by deleting the parts relating to other products from the simple return rate table 543 of each company. Hereinafter, the list is referred to as a selected product simple return rate table 543 '.

[0407] The selected product simple return rate table 543 'includes the total insurance amount of the selected products and the total insurance premium amount.
A total display unit 543'a for displaying the average of the simple return rate and the total return amount in each year is provided. The total amount and the average are calculated by the arithmetic processing unit 55 summing or averaging the insurance information of each product.

FIG. 60 shows the selected product simple return rate table 54.
Transition graph 557 of the simple return rate of each product included in 3 '
It is shown. The horizontal axis of the graph 557 is the age of the insured person, and the vertical axis is the simple return rate. The transition of the simple return rate during the insurance period is expressed in a line graph format. The graph of the first ranked product (557a) is 557d, the graph of the second ranked product (557b) is 557e, and the graph of the third ranked product (557c) is 557.
Each is indicated by f. According to the transition graph 557 of the simple return rate, the transition status of the simple return rate of each selected product can be seen at a glance.

FIG. 61 shows a transition graph 558 of the (death) guaranteed amount of each product included in the selected product simple return rate table 543 'of FIG. The horizontal axis is the age of the insured,
The vertical axis shows the guarantee amount. Such a graph is displayed by the insurance type setting unit 540b of the search condition setting unit 540a.
It is a graph that is required only when you select incremental term insurance (in long term term insurance, it is not necessary to display it because the amount of insurance is constant throughout the insurance period). The transition graph 558 of this guarantee amount is the simple return rate table 54 for the selected product.
As shown in the insurance amount cell of the total display area 543'a of 3 ', the insurance amount (guarantee amount) starts from 40 million yen and then gradually increases in a columnar graph. It will be possible to clearly grasp the changes in the amount of guarantee in a specific period within.

(Company Information Setting Screen) Next, the company information setting screen linked from the company information setting button 540f will be described. The company information setting screen is not shown,
A screen for entering the insurance plan of the product by accessing the server of the insurance company and manually inputting various insurance information, which consists of a spreadsheet in which the contents of each company's simple return rate table sheet 543 are written in part Is. According to such a company information setting screen, it becomes possible to target products that are not stored in the database 70 or products that are out of the standard for comparative examination.

(Screen development from the management file button) Management file button 540h on the control panel 540
When is clicked, the management file sheet 544 of each sheet 54 is called, and the selected product simple return rate table 54
A simulation screen 544 for displaying the insurance information of the products included in 3'in the same form as the management file input screen 200 is displayed (see FIG. 62 (A)). Similar to the input screen 200, the simulation screen 544 has a No display portion 544a, a countermeasure display portion 544b, a contractor name display portion 544c, and an insured person name display portion 544d. Furthermore, although not shown,
The input screen 200 is displayed on each of the display units 544a to 544d.
Similarly, the insurance information of the product is displayed.

[0412] The simulated screen 544 is provided with a "return" button 544e for interrupting the management file migration processing and a "to management file" button 544f for displaying a management file migration screen described later. There is. After confirming the contents of the simulated screen 544, the user clicks the “to management file” button 544f to proceed to the management file transfer process, that is, the process of copying the data on the simulated screen 544 to the management file.

When the "to management file" button 544f is clicked, a management file migration screen 545 shown in FIG. 62 (B) is displayed. This management file migration screen 545
Provides information regarding preparation for a process of copying the insurance information of the products included in the selected product simple return rate table 543 'to the management file. For details, select item simple return rate table 54
3'and a message urging to close files other than the management file, and a message urging attention to the registration number limit (up to 10) of the management file are displayed. The management file migration screen 545 is displayed when the information generation unit 56 calls the management file migration form 545 from the various sheets 54.

[0414] In order to transfer the insurance information regarding the products contained in the simulation screen 544 to the management file, the OK button 545a of the management file transfer form 545 is clicked. As a result, the product is added to the management file and registered as one product that constitutes the portfolio. According to such a management file transfer process, insurance information about the product is displayed on the management file input screen 20.
In addition to saving the effort of newly inputting from 0 and avoiding erroneous input, smooth and reliable product selection and management become possible.

[0415] When canceling the process of shifting to the management file, the Cancel button 545b is clicked.

(Screen Development from Print Button) Next, screen development from the print button 540j of the control panel 540 will be described. When the print button 540j is clicked, the print preparation screen 546 shown in FIG. 63 is displayed. The print preparation screen 546 is displayed when the information generation unit 56 calls the print form 546 from the various sheets 54.

The print preparation screen 546 is provided with a check item section 546a for making various settings for printing. In the check item portion 546a, a return rate graph item 546d for setting whether or not to print a simple return rate transition graph 557, and a security deposit graph item 546e for setting or not to print a security transition graph 558, Accounting process item 546f for setting whether or not to add the accounting process breakdown and transition of miscellaneous income, which will be described later, to the selected product simple return rate table 543 ', and a rate item 546g for setting whether or not a rate is also added. And a blank setting section 546h for setting whether or not to print a blank on the display screen related to printing. Each setting is configured to be switched depending on whether or not a check mark is attached to the attached check box. For example, in FIG. 63, the simple return rate transition graph 557, the insurance money transition graph 558, the accounting process breakdown, and the like are not printed, and the rates and blanks are not displayed.

When the OK button 546b is clicked after the setting in the check item section 546a, data relating to printing is created by the information generating section 56, and this print data is controlled by the CPU 14i to control the input / output interface 14e and the input / output management. The data is output to a printer (not shown) connected to the information processing apparatus 10 via the unit 22a to perform print processing.

When canceling the print processing, Ca
Click the ncel button 546c.

(Screen development from the plan registration button) Next, the plan registration button 54 on the control panel 540.
The screen development from 0k will be described. When the plan registration button 540k is clicked, the plan registration screen 547 shown in FIG. 64 is displayed. This plan registration screen 547
Is displayed when the information registration unit 56 calls the plan registration form 547 from the various sheets 54.

The plan registration screen 547 is a screen for registering a product selected from the products included in each company's simple return rate table 543 (or a product included in the selected product simple return rate table 543 '). Note that products (groups) related to a single insurance type are registered on the plan registration screen 547, for example, as shown in FIG. 59. Further, the “plan” means a product (group) selected to meet the needs of the insurance purchase applicant.

Using the plan registration screen 547, a maximum of 10 plans can be registered. On the plan registration screen 547, a selection unit 547a for selecting the number of the plan to be registered (registration number) and a plan registration name (for example, the selected product simple return rate table 543 'in FIG. 59).
Then, a registered name input section 547b for inputting "incremental periodical top three products") is included. The user clicks the desired selection section 547a to select the registration number, inputs the registration name into the registration name input section 547b of the selected registration number,
Registration of the plan is completed by clicking the OK button 547c. The registered plans are written in the plan sheets 549 of the various sheets 54 by the information generation unit 56 and stored in the storage unit 14c for each plan.

When canceling the plan registration,
Click the Cancel button 547d.

(Screen Development from Plan Call Button) In this system, the registered plan can be called from the plan registration screen 547 to compare and examine the plans.
At this time, the plan call button 540o of the control panel 540 is selected. Plan call button 5
When 40o is clicked, the plan call form 548 is called from the various sheets 54 and displayed as the plan call screen 548 shown in FIG.

On the plan calling screen 548, plan registration numbers "plan 1" to "plan 10" are displayed. When the user selects the desired plan by clicking the selection unit 548a attached to each registration number and clicks the OK button 548b, the CPU 14i calls the plan sheet 549 in which the plan stored in the storage unit 14c is written. Control to display the plan contents. The display form of the called plan is such that the insurance information of the products included in the plan is displayed as a list, for example, as in the selected product simple return rate table 543 'shown in FIG. Further, the transition graph of the simple return rate and the transition graph of the guarantee amount corresponding to the plan may be simultaneously displayed.

[0426] When canceling the plan calling process, the Cancel button 548c is clicked.

(Screen Development from Proposal Display Button) The proposal means a screen for collectively displaying all the products (groups) for which participation has been decided by using this system. Therefore, the proposal includes products related to a plurality of insurance types. Proposal registration button 5 on control panel 540
The 40l and the proposal display button 540p are buttons that are selected when registering a product that is a candidate for such a proposal (a proposal plan). First, a proposal display button 540 selected to perform various processes related to the proposal.
The description will start from p.

When the proposal display button 540p is clicked while the product selected from each company's simple return rate table 543, for example, the selected product simple return rate table 543 'is displayed, the proposal registration sheet 551 is called from each sheet 54. Then, the proposal registration control panel 551 shown in FIG. 66 is displayed. The proposal registration control panel 551 functions as a menu screen for performing various processes related to the proposal.

On the proposal registration control panel 551, a "return" button 551a and a management file button 5 are displayed.
51b, a plan registration button 551c, a transfer table creation button 551d, a print button 551e, a blank non-display button 551f, and a plan call button 551g are arranged. The "return" button 551a is a button for canceling the proposal registration process and returning to the selected product simple return rate table 543 '. In addition, the management file button 551b,
The transfer table creation button 551d, the print button 551e and the blank column non-display button 551f are provided on the control panel 54.
0 management file button 540h, transfer table creation button 5
40m, print button 540j and blank column hide button 5
Since they are the same as 40n, the details will be given to them.

The (proposal) print screen displayed when the print button 551e is clicked is a screen displayed by calling the proposal print form 555 of each sheet 54. Although not shown, the print screen 540j is displayed by clicking the print button 540j.
And has a similar configuration except for a message portion for prompting printing.

When the plan registration button 551c is clicked, the information generation unit 56 causes the registration proposal plan form 5
52 is called and displayed as a registration proposal plan screen 552 shown in FIG. Registration proposal plan screen 552
Is a screen for registering the products included in the selected product simple return rate table 543 'as one proposal plan (proposal plan).

According to the registration proposal plan screen 552, a maximum of 10 proposal plans can be registered. On the plan registration screen 552, a selection unit 552a for selecting the number of the proposal plan to be registered (registration number).
And a registration name input section 552b for inputting a registration name of the proposal plan (for example, "for executive retirement payment"). The user clicks the selection unit 552a to select a desired registration number, and the registration name input unit 552 for the registration number is selected.
The registration of the proposal plan is completed by inputting the registration name in b and clicking the OK button 552c. The registered proposal plan is written in the proposal plan sheet 554 of the various sheets 54 by the information generation unit 56 and stored in the storage unit 14c for each proposal plan.

When canceling the registration process, the Ca
Click the ncel button 552d.

By the way, unlike the plan registration screen 547, each proposal plan on the proposal plan registration screen 552 is different from the plan registration screen 547.
Products related to different insurance types can be registered. For example, it is possible to register the product A related to the all-increasing loss loss term insurance and the product B related to the half-increasing loss term insurance as products constituting one proposal plan (for example, plan 1). In order to do so, first, select “increased term” in the insurance type setting section 540b of the search condition setting section 540a and “total loss” in the accounting processing setting section 540c, respectively, and simply return each company related to the incremental loss total term insurance. Display the rate table, compare and examine the products of each insurance company, and select product A. Then, the selected product is registered in the “plan 1” of the proposal plan registration screen 552 in the above manner. Next, the accounting process setting unit 540
c is changed to “half loss”, each company's simple return rate table relating to the half loss increasing term insurance is created, and similarly, the product B is registered in “plan 1” of the proposal plan registration screen 552. As described above, the total loss loss term insurance A and the half loss loss term insurance B are both registered in “Plan 1”.

[0435] The plan call button 551g is a button selected when calling the proposal plan registered on the proposal plan registration screen 552. When the proposal plan call button 551g is clicked, a call proposal plan form 553 is called and displayed as a proposal plan call screen 553 shown in FIG.

On the proposal plan calling screen 553, the registration numbers 553a of the proposal plan are displayed from "Plan 1" to "Plan 10". Click the selection section 553b provided for each registration number 553a to select the desired proposal plan, and click the OK button 553c.
The PU 14i calls a proposal plan sheet 554 corresponding to the proposal plan from the storage unit 14c and performs a display process.

[0437] The Cancel button 553d is selected when the proposal plan calling process is stopped.

The display form of the called proposal plan is as follows:
The insurance information of the products included in the proposal plan is displayed in a list. FIG. 69 shows a proposal plan display screen 543 ″ as an example of the above display form. The proposal display plan display screen 543 ″ has a total display area 5
In addition to each display unit similar to the selected product simple return rate table 543 'such as 43 "b, an accounting process breakdown display unit 543" c and a miscellaneous income transition display unit 543 "d are provided. The first product included in the insurance product display unit 543 "a that displays the products that make up the proposal plan is a total loss incremental term insurance, and the second product is a half loss incremental term insurance.

In the accounting process breakdown display portion 543 "c, a breakdown of the accounting process regarding the insurance amounts of all the displayed products,
That is, the deductible amount and the capitalized amount are displayed together (accounting process breakdown table). In addition, the miscellaneous income transition display unit 5
43 "d displays the amount of miscellaneous income for each fiscal year calculated from the amount of refund for each product, and the total amount of miscellaneous income for each fiscal year of all miscellaneous income for each fiscal year. There is a miscellaneous income transition table.

The accounting process breakdown display unit 543 "c is displayed as follows: First, the arithmetic processing unit 55 follows the algorithm contained in the basic information 53 and the insurance amount and accounting processing content (here) of each product. Then, from total loss / half loss),
Calculate the deductible amount and capitalized amount of each product, and calculate the total amount of each recorded amount over all products. The accounting process breakdown table creating means 566 of the information generation unit 56 that has received the data regarding the total amount calls the accounting process breakdown table sheet 560 from the various sheets 54, writes the data regarding the total amount into this, and displays the data for display. create.
The CPU 14i displays the accounting process breakdown table based on this display data.

On the other hand, the display process of the miscellaneous income transition display unit 543 "d is performed as follows: First, the arithmetic processing unit 55 follows the algorithm contained in the basic information 53.
Calculate the deductible amount of each product from the simple refund amount of each product in each year. At this time, when there are a plurality of products with the same accounting processing content, the total amount of deductible amounts of these products is calculated. For example, there are 3 products in the total loss category.
If there are three, the total deductible amount of each of these three products in each fiscal year will be totaled. The miscellaneous income transition table creating means 565 of the information generating unit 56 that has received the data regarding the deduction amount is called a miscellaneous income transition table sheet 559 from the various sheets 54, and writes the data regarding the deduction amount.
Create data for display. The CPU 14i displays a miscellaneous income transition table based on this display data.

At this time, a simple return rate transition graph and a guarantee amount transition graph regarding the products included in the proposal plan may be created and displayed.

When canceling the plan calling process, the Cancel button 553d is selected.

Registration of proposal plan as described above /
According to the call function, it is possible to create multiple proposal plans by combining various products handled by insurance companies in various ways and compare them, so it is possible to find a combination of products that meets needs. (Portfolio optimization)

(Screen Development from Proposal Registration Button) Next, the proposal registration button 54 on the control panel 540.
The screen display linked from 0l will be described. Figure 7
0 shows the outline of the proposal registration screen 550 displayed when the proposal registration button 540l is clicked. The proposal registration screen 550 is displayed when the proposal registration form 550 of each sheet 54 is called.

The proposal registration screen 550 is used when a product selected from the products included in each company's simple return rate table 543 (or selected product simple return rate table 543 ') is registered as a proposal plan. The screen includes a message 550a for prompting registration, a registration number input section 550b for inputting a registration number, an OK button 550c, and a Cancel button 550d. After selecting a desired product from the products included in each company's simple return rate table 543, input a desired registration number in the registration number input section 550b and click the OK button 550c, the desired product is registered as a proposal plan. .

According to such a proposal registration screen 550, each company's simple return rate table 543 and selected product simple return rate table 5
Since the proposal registration operation can be performed without using the proposal registration control panel 551 when 43 'is used, it is possible to further accelerate the comparison and examination of products.

(Screen development from the transfer table creation button) Next, the transfer table creation button 54 of the control panel 540.
The screen development from 0 m will be described. When the transfer table creation button 540m is clicked, the transfer table sheet 55 called from the various sheets 54 by the information generation unit 56.
Necessary insurance information is written in 6, and display data is created. The CPU 14i performs display processing based on the display data. The necessary insurance information includes the insurance company name, insurance type, insurance period, payment period, insurance amount,
There are insurance premiums and accounting processing (deductible amount and capitalized amount).

FIG. 71 is a transfer table 55 used when paying insurance premiums for purchased products from various financial institutions such as banks.
6 shows a schematic configuration of No. 6. In the transfer table 556, in particular,
Payment period display unit 556a and accounting process display unit 556b
And a payer name display portion 556c. The payment period display portion 556a describes the period of the insurance premium to be paid. For example, "Heisei Y
January 1st to December 31st, Heisei Y ”and the like. Further, the accounting process display portion 556b describes the deductible amount and the capitalized amount of the product. Further, the payer name display portion 556c describes the name, company name, etc. of the person who pays the insurance money. The created payment table 556 is printed and given to the person making the payment.

It should be noted that when the "Return" button 556d is clicked, the processing relating to the payment table 556 is stopped and the control panel 540 is displayed.

(Regarding processing procedure) The insurance product comparison system software 50 has the above-mentioned screen configuration. Hereinafter, the display processing and data processing of each screen described above displayed by the software 50 will be described. This will be specifically described with reference to the macro. Note that the display processing and the data processing include an arithmetic processing unit 55 as a data calculating unit, particularly a transition calculating unit for calculating the transition of various insurance information within the insurance period, the CPU 14i, the information managing unit 52, and the information generating unit 56. And the control means composed of.

[Control Panel] (Search Condition Setting Unit) Search condition setting unit 540 of control panel 540
Accounting processing setting unit 540c and guarantee amount setting unit 540 of a
The processing for switching the display of d is the same as the selection display processing using the known pull-down menu. Therefore, only the display process related to the guarantee amount setting unit 540b will be described with a macro. FIG. 72 shows the guarantee amount setting unit 540b.
Shows a macro for changing the display of. According to the macro, the setting of the guarantee amount can be changed by rewriting the display of the cell (here, the E-th generation) of the spreadsheet forming the guarantee amount setting unit 540a to the rate (guarantee amount) specified in the pull-down menu. It is executed (S701).

(“Go!” Button) Next, with reference to the flowcharts (macro) shown in FIGS. 73 to 76, the data processing performed when the “Go!” Button 540e of the control panel 540 is clicked will be described. To do.

When the "Go!" Button 540e is clicked, first a template is specified (S711), the flag is initialized (zero) (S712), and the file name is acquired (S713). After obtaining the file name, based on the insurance type set in the insurance type setting unit 540a (S71
4) Substitute "Long Term Term Insurance" or "Increasing Term Insurance" into the Public variable and set (part of) the path to be referred to hereinafter (S715). Here, when the insurance information item (manual input item) input from the above-mentioned company information setting screen is included, a message box (not shown) is displayed to determine whether to execute the manual input item. A judgment is made (S716).

Subsequently, it is determined whether or not information (insurance claim information) about insurance claims of products of insurance companies related to the set insurance type is acquired from the database 70 (S71).
7). This determination is performed by displaying a message box (not shown) and allowing the user to select whether to import. After the determination of necessity of acquiring insurance information is completed, the data is cleared (S718). The determination process and the data clear process are performed for all insurance company products that display (S719).

Next, the name of the insurance company that handles the product corresponding to the search is acquired from the database 70 (S720).
As a result of the search, if there is no insurance company that handles the corresponding product, the process ends (S721).

If there is a product corresponding to the search (S72)
0), the insurance information about this is the ranking sheet 543.
It is determined whether the data has been written in (S722). When there is no corresponding information, a message box (not shown) for notifying that is displayed.

When the insurance information on the above-mentioned products is on the ranking sheet 543 (S722), the guarantee amount is set on the ranking sheet 543 (S723). At this time, when the incremental term insurance is selected as the insurance type, the guarantee amount set in the guarantee amount setting section 540d is set, and when the long term term insurance is selected, the default value is 100 million yen. Set.

When the guarantee amount is set, the processing regarding the product having an exceptional configuration and the product including the condition is performed. For example, the product setting in the reverse step (S724) and the product setting for non-smoking are set (S725).

Finally, the necessary insurance information (including the information that has been subjected to each of the above processes) is copied to the ranking sheet 543 (S726). At this time, the products are arranged in the ranking order. When copying is completed, a message box (not shown) stating that acquisition of insurance information is completed is displayed.

(Company Information Setting Button) FIG. 77 shows a macro relating to display processing when the company information setting button 540f on the control panel 540 is selected (S727). When the company information setting button 540f is clicked, a spreadsheet (company information sheet 541) in which the contents of the ranking sheet 543 are written in part
Is created and displayed.

(Ranking Button) FIG. 78 shows a macro relating to display processing corresponding to the ranking button 540g of the control panel 540 (S728). When the ranking button 540g is clicked, the ranking sheet 543 created in S726, that is, the simple return rate table 543 of each company is displayed.

(Management File Button) FIGS. 79 and 8
The processing corresponding to the management file button 540h on the control panel 540 will be described with reference to the flowchart shown in FIG. First, check the sheet to be used (S
731), copy this sheet to the work area (S
732).

Then, the template of the management file is searched for an incremental fixed term contract, and if there is, it is changed to the incremental fixed term contract (S733). Similarly, the term insurance with special term is searched for, and if there is, it is changed to term insurance (S734).

As a process relating to a product having an exceptional configuration or a product including conditions, for example, a reverse step (reverse ST) is searched for in the template of the management file, and if there is, the name of the insurance company handling the corresponding product is changed ( S735). Further, if non-smoking is searched for in the template of the management file, if there is any, the name of the insurance company that handles the corresponding product is changed (S736).

Finally, the management file sheet 544 is selected from the various sheets 54, the simulation screen 544 is displayed, and the processing is ended (S737).

(Insurance Change Button) FIG. 81 is a flowchart showing the processing corresponding to the insurance change button 540i on the control panel 540. This insurance change button 5
40i is a button for switching and displaying the insurance type (increasing term insurance / long term term insurance) displayed in the insurance type setting section 540b.

When the insurance change button 540i is clicked while the incremental term insurance is displayed in the insurance type setting section 540b, the setting is changed to long term term insurance and the display of the insurance type setting section 540b is switched (S741). Further, when the insurance change button 540i is clicked when the long-term term insurance is designated, the setting is changed to the gradual term insurance and the display of the insurance type setting unit 540b is switched (S742).

After switching the insurance type setting, the cursor position is changed (S743), and the process ends (S7).
44).

(Print Button) FIG. 82 shows a macro relating to display processing corresponding to the print button 540j of the control panel 540 (S745). This print button 54
When 0j is clicked, the print form 546 of the various sheets 54 is displayed.

(Plan Registration Button) FIG. 83 is a flowchart showing the processing corresponding to the plan registration button 540k on the control panel 540. When the plan registration button 540k is clicked, first, a plan sheet 549 corresponding to the designated insurance type is selected from various sheets 54 and called (S751). Then, the plan name on the called plan sheet 549 is changed to the plan registration form 5.
Substituting it in the control of 47 (S752), selecting this plan registration form 547, the plan registration screen 547
Is displayed. This ends the processing (S753).

(Plan Call Button) FIG. 84 is a flow chart showing the processing corresponding to the plan call button 540o on the control panel 540. When the plan call button 540o is clicked when no plan is registered, a message box (not shown) stating that no callable plan is registered is displayed (S761). When the plan is registered, the plan calling form 548 is called (S762) and the plan calling screen 548 is displayed. This ends the processing.

(Proposal Registration Button) FIG. 85 is a flowchart showing the processing corresponding to the proposal registration button 540l on the control panel 540. When the proposal registration button 540l is clicked, first the insurance type is assigned to the set sheet (S771), and the proposal registration sheet 551 (corresponding to the proposal registration control panel 551) is selected from the various sheets 54 (S772). ), The process corresponding to the plan registration button 551c is selected from here, and the registration proposal plan screen 552 is displayed (S773). Here, a macro called teian (not shown) for performing screen processing is called (S774) to clear the cell formula and characters (S775).

(Proposal display button) FIG. 86 is a macro showing the processing corresponding to the proposal display button 540p on the control panel 540. Proposal display button 540p
When is clicked, the proposal registration form 550 is called from the various sheets 54, and the proposal registration screen 550 is displayed (S776).

(Blank column non-display button) FIG. 87 is a macro showing the processing corresponding to the blank column non-display button 540n of the control panel 540. Blank hide button 540n
When you click, first, the seat currently selected and used is determined (S777), and it is selected whether or not to display the blank (S778). When the blank is hidden, the insurance company name is blank (blank). The portion of the cell that is marked with () is hidden (S779). Although not shown as a macro, when blanks are displayed, the entire sheet is displayed including blank cells.

(Transfer table creation button) FIGS. 88 and 89
Is a transfer table creation button 54 on the control panel 540.
It is a macro showing a process corresponding to 0 m. When the transfer table creation button 540m is clicked, first, the sheet is confirmed (S781). Then, the insurance company portion is copied to the confirmed sheet (S782), and this is the transfer sheet 5
It is pasted on the insurance company part of 56 (S783). next,
The insurance type portion is copied (S784) and attached to the insurance type portion of the transfer sheet 556 (S785).
Further, each part of the insurance period, payment period, insurance amount and insurance premium is copied (S786), and this is transferred to the transfer sheet 5
Paste to the corresponding portions of 56 (S78
7). Furthermore, each portion of the deductible amount and the capitalized amount is copied (S788), and this is transferred to the transfer sheet 556.
Are pasted on the corresponding portions (S789). Then, enter the sheet name on the transfer sheet 556 (S79
0), the blank part is hidden and the process ends (S791).

[Return Button] The macro shown in FIG. 90 performs the processing performed when the "return button" provided on the various screens described above, that is, the button for returning to the display of the simple return rate table 543 of each company is clicked. It is a macro shown. The processing is executed by selecting a sheet corresponding to each company's simple return rate table 543 and selecting an area including display contents from the selected sheet (S801).

[Simulation Screen] FIG. 91 is a macro showing the processing performed when the “to management file” button 544f of the simulation screen 544 is clicked. This macro
When you click the "To management file" button 544f,
The management file migration form 545 is selected from the various sheets 54, and the management file migration screen 545 is displayed (S802).

[Management File Migration Screen] FIGS. 92 to 95 show the OK button 54 of the management file migration screen 545.
It is a flowchart which shows the process corresponding to 5a. When the OK button 545a is clicked to transfer the insurance information on the selected product to the management file, first, the management file transfer screen (management file transfer form) 545 is closed (S811) and the book is recognized (S812).
Then, the number of products to be newly registered is confirmed (S81
3) Confirm the contract date of each of these products (S81
4). Here, when the contract date is not entered, a message box (not shown) including a message "The contract date is not entered." Is displayed to prompt the user to enter the contract date.

Next, the number of products registered in the management file is confirmed (S815). At this time, if the number of registrations is the maximum and it is not possible to newly register,
A message box (not shown) including a message saying "The number of registrations has reached the maximum, it cannot be migrated" is displayed (S816). If the number of registered products has not reached the maximum number, the number of addable registrations is compared with the number of new registrations (S817).

If it is determined that the newly registered product can be transferred to the management file, the insurance information transfer process for the product is performed. First, as information on the insurance type of the product, the data of the Entry sheet 441 of the insurance type comparison system software 40 is pasted on the management file sheet 544 (S818). Then, data regarding the return rate of each product is retrieved (S819), data regarding the retrieved return rate is calculated (S820), and the calculation result is pasted on the management file sheet 544 (S8).
21). Furthermore, search the amount of the main contract guarantee for each product (S
822), the retrieved data is calculated (S823), and the calculation result is pasted on the management file sheet 544 (S82).
4). Furthermore, the guarantee amount of the special contract of each product is calculated (S825), and the calculation result is pasted on the management file sheet 544 (S826). Finally, excess data on the management file sheet 544 is deleted, and the process ends (S827).

FIG. 96 is a macro showing the processing corresponding to the Cancel button 545b of the management file migration screen 545. According to this macro, when the Cancel button 545b is clicked, the management file migration screen (management file migration form) 454 is closed (S831).

[Proposal Registration Control Panel] (Management File Button) FIGS. 97 and 98 are flowcharts showing processing corresponding to the management file button 551b of the proposal registration control panel (proposal registration sheet) 551. When the management file button 551b is clicked, the sheet is first confirmed (S841),
The confirmed sheet is copied to the work (S842). Then, the gradual fixed term special contract is searched for in a specific cell range on the template of the management file, and if it exists, it is changed to the gradual fixed term (S843). Next, in the same cell range, the term insurance with a term insurance is searched, and if there is, it is changed to term insurance (S844). Next, look for the reverse ST (reverse step) in the specific cell range on the template of the management file, and if there is, change it to the corresponding life insurance company name (S
845), search for non-smoking in the same cell range, and if any, change to the corresponding life insurance company name (S846). Finally, select the management file sheet 544 to finish (S
847).

(Plan registration button) FIG. 99 shows the plan registration button 551 of the proposal registration control panel 551.
It is a macro showing a process corresponding to c. According to the macro, when the plan registration button 551c is clicked, the registration proposal plan form 552 is selected and the registration proposal plan screen 552 is displayed (S8).
51).

(Plan call button) FIG. 100 shows the plan call button 55 of the proposal registration control panel 551.
It is a macro showing a process corresponding to 1g. According to the macro, when the plan call button 551g is clicked, if no proposal plan sheet 554 is registered, a message box including a message "Plan is not registered" is displayed. To be done. On the other hand, when at least one proposal plan sheet 554 is registered, the call proposal plan form 553 is selected and displayed as the proposal plan calling screen 553 (above, S852).

(Print Button) FIG. 101 is a macro showing the processing corresponding to the print button 551e of the proposal registration control panel 551. According to the macro, when the print button 551e is clicked, the proposal print form 555 of each sheet 54 is selected, and the proposal print screen 5
55 is displayed (S853).

(Blank column non-display button) FIG. 102 shows the blank column non-display button 55 of the proposal registration control panel 551.
It is a macro showing a process corresponding to 1f. According to the macro, if the proposal registration sheet 551 is selected when the blank column hide button 551f is clicked, the name “proposition” is assigned to the specific sheet (S86).
1). If the name of the blank hide button 551f is "display all", the area that is not displayed (non-display record)
To show all, while the name is "hidden"
If so, all cells (blank records) that are not displayed are hidden (S862).

By the way, in the above description, the emphasis has been placed on the case where the insurance type setting section 540b of the search condition setting section 540a of the control panel 540 is set to "incremental period".

On the other hand, when the "long term fixed period" is set, the insurance product comparison system executes almost the same operation as in the case of the "increased fixed period" described above. However, the criteria for creating rankings, that is, the above-mentioned ranking conditions (simple return rate in "increasing term") are different, and the insurance amount is adopted in "long term term". The reason why the ranking conditions are different from each other is as follows.

[0490] When the tax saving effect is emphasized when selecting insurance, it is appropriate to compare the refund rates in consideration of the use and timing of use of the refund. Increasing term insurance is a typical type of insurance with a high return rate. However, the incremental term insurance has another aspect that the premium is high.

On the other hand, if security is emphasized, then it can be said that it is appropriate to select a long-term fixed-term insurance. Long-term term insurance does not have a high insurance premium, but the return rate is not so high.

Therefore, the interest in selecting the incremental term insurance is usually the return rate (in return), and the interest in selecting the long term term insurance is usually the insurance premium (cheap).

The process when the insurance type is set to long term term insurance will be briefly described below with reference to the flowchart shown in FIG. First, the insurance change button 540i on the control panel 540 is operated to set the insurance type setting section 540b to "long term fixed" (S87).
1). At this time, the accounting process setting unit 540c is set. The guarantee amount setting unit 540d automatically sets "100 million".
(See S723 in FIG. 75), but if it needs to be changed, it can be selected from the pull-down menu as described above. When the database 70 is searched by clicking the “Go!” Button 540e after setting the search conditions (S872), the products of the corresponding insurance companies (and,
Various insurance information including the insurance premium amount is acquired (S87).
3).

[0494] The arithmetic processing means 55 (transition calculation means) calculates the insurance premium amount of each product in each year of a specific period based on the insurance premium amount of the product acquired from the database 70,
The above control means compares the calculation results (S874),
The insurance premiums are ranked in order from the lowest to the highest (S875). As a ranking condition,
For example, it is possible to adopt the annual insurance premium amount or the accumulated premium amount paid up to the desired year.

When the ranking is done, the information generating unit 56
The insurance premium amount transition table preparation means 567 arranges the transition of the insurance premium amount of each product in rank order (S876), and prepares a list together with other insurance information. Finally, the created list is displayed on the display unit 14b (S877).

Although not shown in the figure, the list displayed by such a process is provided in place of the return rate display portion 543n of the simple return rate table 543 of each company in the case of "incremental period", at the time of scheduled subscription. The change in insurance premium amount is displayed by the "insurance premium amount display section" that displays the insurance premium amount for each fiscal year within a specific period (including renewal at maturity). In addition, the transition graph (not shown) of the insurance premium amount is created by the transition graph creating unit 568 of the insurance amount of the information generating unit 56 by the transition graph creating unit 563 of the simple return rate described above. The procedure is similar to that for creating 557.

(Operation) According to the insurance product comparison system configured as described above, it is possible to determine the product item for each insurance type centering on the operation from the control panel 540. Since the products are arranged in the ranking order in each company's simple return rate table 543, which is the basic information at this time, it becomes easy to recognize the products that meet the needs. Furthermore, since it is possible to create a transition graph of the return rate and guarantee amount of the product selected from each company's simple return rate table 543, it is possible to assist in grasping the product characteristics.

In addition to the plan registration / call function for registering a desired product from each insurance type, this system also registers a proposal / registers a desired product over a plurality of insurance types.
Since it has a calling function, it becomes possible to smoothly compare and examine products.

When the product to be purchased is decided,
Since a financial institution can create a transfer table for transferring the insurance premium of the product, it is not necessary to perform a complicated input process for creating such a transfer table again. In addition, since the transfer table is created for all purchased products at once, it is convenient to perform the transfer procedure at the same time when transferring insurance premiums at a financial institution.

(Example of use of three systems according to the present invention)
Insurance information management system software 3 explained above
By using 0, insurance type comparison system software 40 and insurance product comparison system software 50, insurance consulting as described below can be performed.

FIG. 104 is a flow chart showing the outline of the insurance consulting process carried out using the three systems according to the present invention.

If the client (insurance purchase applicant) is a new customer and a management file has not been created yet (S901), first a management file for the client is created (S902).

Next, the present condition of the client is analyzed. That is, the needs and economic conditions of the client are comprehensively judged, and how the product portfolio should be improved is examined (S903). At this time, the insurance information regarding the already subscribed products contained in the management file provided by the insurance information management system of the present invention is effective for recognizing the current subscription status. For example, it is possible to analyze that there is a need to purchase insurance to cover the retirement allowance of an executive who will retire 10 years later, and that the economic condition is good.

As a result of the analysis, if the needs can be achieved only by the subscribed products, it is not necessary to newly purchase the products (S904). In this case, when the situation changes and new needs arise, a further analysis of the current situation will be conducted.

On the other hand, when it is judged that new insurance is required to meet the above needs (S90)
4) First, it is necessary to determine what kind of insurance is most suitable. The insurance type comparison system of the present invention is used as a tool therefor. According to this system, as described above, various insurance types can be compared and considered, centering on changes in the amount of insurance premiums, the return rate (return amount) and the amount of guarantees, and also taking into account the tax-saving effect. It is possible. (The above is S905.)

When the optimum insurance type (multiple selections possible) is found, the optimum product is determined for each insurance type in view of the above needs (S906). As a result of reconsideration, there may be insurance types that do not determine the product. In this way, the insurance product comparison system of the present invention is useful when determining products. According to this system, by considering the transition of the return rate of each product in particular, it is possible to make a reliable and clear comparison between products. For example, in the case of the retirement allowance of the above-mentioned officer, since the products are ranked and listed by comparing the return rates after 10 years, it is possible to easily understand the suitability to the needs. It is also possible to assist the client's understanding by displaying the change in the return rate and the change in the guarantee amount in a graph.

[0507] When the product to be purchased is determined (S907),
The product is additionally registered in the management file (S908).
This completes a new portfolio that meets the needs of clients.

However, the current business environment changes drastically, and there is no guarantee that the client's needs and business conditions will always be constant. In order to stabilize the management in such a situation, it is considered that devoting time and money to future guarantee and risk hedging is one of the important factors. To do so, at all times and at least regularly, it is necessary to determine whether the portfolio is suitable for the current situation.

According to the present invention, it is possible to effectively manage insurance under such a fluid environment. That is,
It can be said that the present invention realizes consulting in which one cycle includes a comprehensive analysis of the current situation by collectively managing the insurance that is enrolled, and a quick and clear reconsideration of the portfolio based on the results of the current situation analysis.

In the above description, the insurance information management system software 30, the insurance type comparison system software 40, and the insurance product comparison system software 50 are configured as separate software. , May be configured as one piece of software having the same operation. (For example, the software SW stored in the information storage medium as shown in FIG. 1)

Also, for example, these three softwares are separately installed in a plurality of LAN servers or Internet servers, and the system of the present invention is used from a client terminal that can access each LAN server.
The software of the present invention need not be installed in a single information processing device.

The above embodiment includes various steps, and various inventions can be extracted by appropriately combining a plurality of disclosed constituent elements. That is, it goes without saying that it includes the examples of the above-described respective embodiments or a combination of any of them with any of the modifications. In this case, even if it is not particularly described in the present embodiment, as for the action and effect apparent from each configuration disclosed in each of the embodiments and the modifications, it is of course possible to obtain the action and effect in this example as well. .
Further, it may be a configuration in which some of the constituent elements are deleted from all the constituent elements shown in the embodiment.

The above description discloses only one example of the embodiment of the present invention and can be appropriately modified and / or changed within a predetermined range, but each embodiment is illustrated. It is a thing, not a limitation.

[0514]

As described above, according to the present invention, in insurance policies such as life insurance, when insurance information such as insurance or securities is input to various items on the input screen,
For example, for one insured person, the changes in the amount of each insurance product for each company are listed in a tabular form, and specific parameters (for example, changes in cancellation refund for each age) are displayed in a graph, for example. A display is formed, and the data is generated and output as a picture.

[0515] Then, it is necessary to estimate how many years it will be necessary to take out various types of insurance, how much will be returned if the insurance is cancelled, and automatically calculate the tax effect, etc., and visually display and represent it. You can

[0516] As described above, the insurance premiums, for example, estimates when renewing the insurance premiums, etc., are used to calculate the charges that will increase or decrease in the future depending on the type of insurance. It is also automatically calculated whether to pay the fee, and it is possible to easily visually grasp how old and how much amount will be returned for each insurance, etc. by length, and at the company retirement It is suitable for use for purposes such as estimating situations such as money, and estimating savings around individuals.

[0517] Also, it is possible to display at a glance how old and how much compensation will continue, and the like, so that the user can easily understand the insurance content. Furthermore, it is possible to calculate and compare which insurance company has the cheapest product.

[0518] Furthermore, as a result of being able to judge the standard such as a large amount of retirement allowance, it is possible to judge, for example, whether the insurance is a one-off insurance or a savings insurance. You can understand what it is.

[0519] In addition, such visualized information can be automatically output only by inputting the information on the first input screen. By visualizing the insurance content, the insurance content, The convenience in explaining the image is improved.

Further, according to the present invention, it is possible to compare and examine various insurance types with the return rate (return amount) showing the advantage at the time of cancellation or maturity as the center of judgment criteria. Can determine which is best for your needs.

When conducting a comparative examination of insurance types, it is possible to display a list of changes in the return rate and the amount of guarantee and to show them in a graph, so that the characteristics of each insurance type can be easily understood.

[0522] Also, since it is possible to display a list and a graph for the purpose of enrollment and the tax effect, in addition to facilitating the further understanding, it also provides a judgment material for making a comprehensive comparative examination from a professional point of view. can do.

Further, according to the present invention, it is possible to arrange the products in the ranking order based on the return rate as the criterion.
Since it is possible to graph and provide changes in the return rate and guarantee amount of desired products, the characteristics of each product can be easily grasped, and comparison and examination can be made swiftly and clearly.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing an example of a schematic configuration of an information processing apparatus equipped with an insurance information management system, an insurance type comparison system, and an insurance product comparison system of the present invention.

FIG. 2 (A) is an explanatory diagram for explaining the overall structure of the insurance information management system of FIG. 1, and FIG.
FIG. 3 is a functional block diagram conceptually showing the main part thereof.

3 is an explanatory diagram for explaining an entry structure of the insurance information management system of FIG.

4 (A) is an explanatory diagram showing an example of a display mode of a basic menu screen of a management file in the insurance information management system of FIG. 1, and FIG. 4 (B) shows an input screen including it. It is explanatory drawing which shows an example.

5A and 5B are explanatory diagrams showing the entire input screen of the insurance information management system of FIG.

FIG. 6 is an explanatory diagram showing an example of an overall outline of an entry sheet forming an input screen.

FIG. 7 is an explanatory diagram showing an example of a display mode of an insurance premium manual sheet.

FIG. 8 is an explanatory diagram showing an example of an outline of another portion of the entry sheet.

9A is an explanatory diagram showing an example of a display mode of an insurance type name acquisition screen, and FIG. 9B is an explanatory diagram showing an example of a display mode of a countermeasure selection screen.

10 is an explanatory diagram showing an example of a display mode of an individual contract content list (sheet) in the insurance information management system of FIG.

11 is an explanatory diagram showing an example of a display mode of an individual contract content countermeasure sheet (current state) in the insurance information management system of FIG.

12 is an explanatory diagram showing an example of a display mode of an individual contract content countermeasure sheet (countermeasure) in the insurance information management system of FIG.

13A and 13B are explanatory diagrams showing an example of a display mode of a death protection amount transition sheet in the insurance information management system of FIG.

14 (A) and 14 (B) are explanatory views showing an example of a display form of a transition sheet of an insurance premium in the insurance information management system of FIG. 1.

15 (A) and 15 (B) are explanatory diagrams showing an example of a display mode of a transition sheet of cancellation refund in the insurance information management system of FIG.

16 (A) is an explanatory diagram showing an example of a display mode of a disassembling sheet before disassembling relating to analysis of term insurance in the insurance information management system of FIG. 1, and FIG. 1
FIG. 8 is an explanatory diagram showing an example of a display mode of a disassembled sheet after disassembling relating to analysis of term insurance in the insurance information management system of

17 (A) is an explanatory diagram showing an example of a display mode of a disassembling sheet before disassembling relating to analysis of term life insurance in the insurance information management system of FIG. 1, and FIG.
FIG. 3 is an explanatory diagram showing an example of a display mode of a disassembled sheet after disassembling relating to analysis of term life insurance in the insurance information management system of FIG. 1.

18A is an explanatory diagram showing an example of a display mode of a disassembling sheet relating to analysis of life insurance in the insurance information management system of FIG. 1, and FIG. 18B is an insurance diagram of FIG. It is explanatory drawing which shows an example of the display mode of the disassembly sheet | seat which concerns on the analysis of the endowment insurance in an information management system.

19 is an explanatory diagram showing an example of a display mode of a disassembling sheet related to the analysis of variable life insurance in the insurance information management system of FIG.

20 is an explanatory diagram showing an example of a display mode of simulation results of an officer retirement allowance simulation in the insurance information management system of FIG.

FIG. 21 is a flowchart showing an example of the overall processing procedure in the insurance information management system of the present invention.

FIG. 22 is a flowchart showing an example of a processing procedure for creating an officer retirement allowance simulation.

FIG. 23 is a flowchart showing an example of a processing procedure for creating a director retirement allowance simulation.

FIG. 24 is a flowchart showing an example of a processing procedure for creating a director retirement allowance simulation.

FIG. 25 is a flowchart illustrating an example of a processing procedure regarding a disassembly sheet.

FIG. 26 is a flowchart illustrating an example of a processing procedure regarding a disassembly sheet.

FIG. 27 is a flowchart illustrating an example of a processing procedure regarding a disassembly sheet.

28 is a flowchart showing details of part of the processing in FIG. 27. FIG.

FIG. 29 is a flowchart showing details of part of the processing in FIG. 27.

FIG. 30 is a flowchart showing details of part of the processing in FIG. 27.

FIG. 31 is a flowchart illustrating an example of a processing procedure regarding measures.

FIG. 32 is a flowchart showing an example of a part of a processing procedure relating to a countermeasure selection screen.

FIG. 33 is a flowchart illustrating an example of a part of a processing procedure regarding a countermeasure selection screen.

FIG. 34 is a flowchart showing an example of a processing procedure regarding cancellation of the countermeasure selection screen.

FIG. 35 is a flowchart showing an example of a processing procedure regarding cancellation of the countermeasure selection screen.

FIG. 36 is a flowchart showing an example of a part of a processing procedure regarding the countermeasure of FIG. 31.

FIG. 37 is a flowchart showing an example of a processing procedure of part of the processing in FIG. 36.

38 is a flowchart showing an example of a processing procedure of a part of the processing in FIG. 36. FIG.

FIG. 39 is a flowchart showing an example of a processing procedure of part of the processing in FIG. 36.

FIG. 40 is a flowchart showing an example of a processing procedure of part of the processing in FIG. 36.

FIG. 41 is a diagram showing an outline of a configuration of various sheets of the insurance type comparison system software of the present invention.

FIG. 42 is a functional block diagram conceptually showing the structure of the information generation unit of the insurance type comparison system software.

FIG. 43 En displayed by the insurance type comparison system
It is a schematic diagram showing a display mode of a try sheet.

FIG. 44 is a diagram showing an example of a display form of a main insurance comparison table displayed by the insurance type comparison system.

FIG. 45 is a schematic diagram showing an example of a display mode of an input screen displayed by the insurance type comparison system.

FIG. 46 is a diagram showing an example of a display mode of a main insurance comparison screen displayed by the insurance type comparison system.

FIG. 47 is a diagram showing an example of a display mode of a substantial return rate table displayed by the insurance type comparison system.

[Fig. 48] Fig. 48 is a diagram showing an example of a display mode of a tax-saving insurance graphic diagram displayed by the insurance type comparison system.

FIG. 49 is a diagram showing an example of a display mode of an average comparison table displayed by the insurance type comparison system.

FIG. 50 is a flowchart showing an example of a processing procedure corresponding to the “Go!” Button on the Entry sheet of the insurance type comparison system.

51 is a flowchart showing an example of a processing procedure of a part of the processing in FIG. 50.

FIG. 52 is a flowchart showing an example of a processing procedure corresponding to a “to comparison table” button on an Entry sheet.

FIG. 53 is a flowchart showing an example of a processing procedure corresponding to various buttons provided in the main insurance comparison table.

FIG. 54 is a diagram showing an outline of a configuration of various sheets of insurance product comparison system software of the present invention.

FIG. 55 is a functional block diagram conceptually showing the structure of the information generating unit of the insurance product comparison system software.

FIG. 56 is a schematic diagram showing an example of a display mode of a control panel displayed by the insurance product comparison system.

FIG. 57 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system.

[Fig. 58] Fig. 58 is a diagram showing an example of a display form of a simple return rate table for each company displayed by the insurance product comparison system.

FIG. 59 is a schematic diagram showing an example of a display mode of a selected product simple return rate table displayed by the insurance product comparison system.

FIG. 60 is a schematic diagram showing an example of a display mode of a transition graph of a simple return rate displayed by the insurance product comparison system.

FIG. 61 is a schematic diagram showing an example of a display mode of a transition graph of a guarantee amount displayed by the insurance product comparison system.

FIG. 62 is a schematic view showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 63 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 64 is a schematic view showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 65 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 66 is a schematic view showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 67 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 68 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 69 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system.

FIG. 70 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system.

71 is a schematic diagram showing an example of a display mode of a screen displayed by the insurance product comparison system. FIG.

FIG. 72 is a flowchart showing an example of a processing procedure corresponding to a setting operation of a guarantee amount setting unit of the control panel.

FIG. 73 is a flowchart showing an example of a processing procedure corresponding to a “Go!” Button on the control panel.

FIG. 74 is a flowchart showing an example of a processing procedure corresponding to a “Go!” Button on the control panel.

FIG. 75 is a flowchart showing an example of a processing procedure corresponding to a “Go!” Button on the control panel.

FIG. 76 is a flowchart showing an example of a processing procedure corresponding to a “Go!” Button on the control panel.

77 is a flowchart showing an example of a processing procedure corresponding to a company information setting button on the control panel. FIG.

FIG. 78 is a flowchart showing an example of a processing procedure corresponding to a ranking button on the control panel.

FIG. 79 is a flowchart showing an example of a processing procedure corresponding to a management file button on the control panel.

FIG. 80 is a flowchart showing an example of a processing procedure corresponding to a “Go!” Button on the control panel.

FIG. 81 is a flowchart showing an example of a processing procedure corresponding to an insurance change button on the control panel.

FIG. 82 is a flowchart showing an example of a processing procedure corresponding to a print button on the control panel.

FIG. 83 is a flowchart showing an example of a processing procedure corresponding to a plan registration button on the control panel.

FIG. 84 is a flowchart showing an example of a processing procedure corresponding to a plan call button on the control panel.

FIG. 85 is a flowchart showing an example of a processing procedure corresponding to a proposal registration button on the control panel.

FIG. 86 is a flowchart showing an example of a processing procedure corresponding to a proposal display button on the control panel.

FIG. 87 is a flowchart showing an example of a processing procedure corresponding to a blank column non-display button on the control panel.

88 is a flowchart showing an example of a processing procedure corresponding to a transfer table creation button on the control panel. FIG.

FIG. 89 is a flowchart showing an example of a processing procedure corresponding to a transfer table creation button on the control panel.

FIG. 90 is a flowchart showing an example of a processing procedure corresponding to a “return” button on various screens.

FIG. 91 is a flowchart showing an example of a processing procedure corresponding to a “to management file” button on the simulation screen.

FIG. 92 is a flowchart showing an example of a processing procedure corresponding to an OK button on a management file migration screen.

FIG. 93 is a flowchart showing an example of a processing procedure corresponding to an OK button on the management file migration screen.

FIG. 94 is a flowchart showing an example of a processing procedure corresponding to an OK button on a management file migration screen.

FIG. 95 is a flowchart showing an example of a processing procedure corresponding to an OK button on the management file migration screen.

FIG. 96 is a flowchart showing an example of a processing procedure corresponding to a Cancel button on a management file migration screen.

97 is a flowchart showing an example of a processing procedure corresponding to a management file button on the proposal registration control panel. FIG.

FIG. 98 is a flowchart showing an example of a processing procedure corresponding to a management file button of a proposal registration control panel.

FIG. 99 is a flowchart showing an example of a processing procedure corresponding to a plan registration button on a proposal registration control panel.

FIG. 100 is a flowchart showing an example of a processing procedure corresponding to a plan call button on a proposal registration control panel.

101 is a flowchart showing an example of a processing procedure corresponding to a print button of a proposal registration control panel. FIG.

102 is a flowchart showing an example of a processing procedure corresponding to a blank column non-display button on the proposal registration control panel. FIG.

FIG. 103 is a flowchart showing an example of a processing procedure when the insurance type is set to long-term term insurance.

FIG. 104 is a flowchart showing an example of an insurance consulting process using the insurance information management system, insurance type comparison system and insurance product comparison system of the present invention.

[Explanation of symbols]

1 Insurance information management system 10 Information processing equipment 12 Hardware system 14a operation part 14b display 14c storage unit 14i control unit 20 operating system (Insurance information management system) 30 insurance information management system software 32 Information Management Department 34 Various sheets 35 Arithmetic processing unit 36 Information generator 36a Means of creating a transition table for the amount of death protection 36b Insurance premium transition table creation means 36c Cancellation refund money transition table creation means 36d Disassembly sheet creation method for each insurance product 36e Individual contract content list generation means 100 Management file basic menu screen 109 Officer retirement simulation operation unit 200 input screen (Insurance type comparison system) 40 Insurance type comparison system software 42 Information Management Department 44 various sheets 45 arithmetic processing unit 46 Information generator 442 Main insurance comparison table 461 Insurance premium amount transition table creation means 462 Cumulative total insurance premium amount transition table creation means 463 Guarantee amount transition table creation means 464 How to create a transition table for the amount of refund 465 Simple return rate transition table creation means 466 Real Return Rate Transition Table Making Means 467 Main insurance comparison table preparation means 468 Major insurance comparison and preparation means 469 Real Return Rate Table Making Means 470 graphic table creation means 471 Average Comparison Table Creating Means (Insurance product comparison system) 50 insurance product comparison system software 52 Information Management Department 54 Various sheets 55 Arithmetic processing unit 56 Information generator 543 Simple return rate table for each company 561 Simple return rate transition table creation means 562 ranking creation means 563 Simple return rate transition graph creation means 564 Guarantee amount transition graph creation means 565 Miscellaneous income transition table creation means 566 Accounting processing breakdown table creating means

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[Procedure amendment]

[Submission date] May 6, 2003 (2003.5.6)

[Procedure Amendment 1]

[Document name to be amended] Statement

[Name of item to be amended] Claims

[Correction method] Change

[Correction content]

[Claims]

1. An information processing apparatus for providing information processing for selecting a desired product from the products stored in the database so as to be accessible to a database storing insurance information on various products handled by insurance companies. A search condition providing means for providing information on search conditions for searching the database, and the products handled by the insurance companies corresponding to the search conditions set based on the search condition providing means from the database With respect to the search means for searching and the insurance information of the above-mentioned products handled by the insurance companies searched by the search means, the transition of the insurance information in a specific period from the scheduled participation to the expiration of the period is calculated. The transition calculation means, and the calculation results by the transition calculation means are calculated by the insurance companies.
An information processing apparatus comprising: a control unit that controls display processing in a list format for each product .

2. The search condition providing means includes: 10-year term insurance, long-term term insurance, 98-year term term insurance, incremental term insurance, incremental loss insurance, three-quarter incremental loss insurance, 4
One-off loss loss term insurance, life insurance, endowment insurance, endowment 10
Year insurance claim 1, characterized in that it provides information to configure endowment 20 years insurance, 2-story endowments and cancer insurance, the desired insurance type from at least one of insurance type as the search condition The information processing device described.

3. The search unit searches the database using the insurance type set based on the search condition providing unit as the search condition, and the transition calculation unit searches the insurance type searched by the search unit. About the amount of insurance premium, cumulative amount of premium paid in advance, amount of guarantee, amount of refund,
Insurance information including at least one of a simple return rate and a real return rate is calculated, and the control unit displays an insurance type list in which the insurance information calculated by the transition calculation unit is arranged for each insurance type. The information processing apparatus according to claim 2 , wherein the information processing apparatus comprises:

Wherein said control means, wherein said insurance type list is included in Table assessed for each item for the purposes of insurance the insurance type of effect, characterized in that list the results of this assessment Item 3. The information processing device according to item 3 .

5. The items related to the purpose of subscribing to the insurance, the insurance kind of tax savings in a particular year until the expiration from the time of subscription plans, tax saving effect in a specific period of time up to the time of expiration from the time of subscription plans The information processing apparatus according to claim 4 , further comprising at least one of: an effect on cash flow, a security priority, a stability at the time of simulating an insurance type, and a measure at maturity.

Wherein said insurance type table, as the insurance information of the insurance type, comprises a substantially-return rate, the control means, the insurance type the real-return rates in a particular year within the particular time period The information processing apparatus according to claim 3 , wherein a list is displayed for each item.

7. The insurance type list includes at least one of a cumulative paid-in premium amount, a refund amount and a simple return rate as the insurance information of the insurance type, and the control means is for the specific year. A list of at least one of the total amount of insurance premium paid, the amount of refund, the simple refund rate, and the tax-saving amount calculated from the insurance information is further displayed for each insurance type. 6. The information processing device according to item 6 .

Wherein said insurance type table, as the insurance information of the insurance type, entitlement amount includes total paid insurance premium amount and refunded amount, said control means for said entitlement amount, said particular time period The relationship between the total amount of insurance premium paid and the amount of refund in a specific year is graphed.
3. The information processing device according to item 3 .

Wherein said control means, said about the insurance type entitlement amount varies in a particular time period, the graphs the mean value of the entitlement amount over the specified period of time as the entitlement amount of the insurance type 9. The method according to claim 8, wherein
The information processing device described.

Wherein said insurance type table, as the insurance information of the insurance type, include entitlement amount and insurance premium amount, the control means, the transition of the entitlement amount and annual insurance premium amount in the particular time period The information processing apparatus according to claim 3 , wherein the information processing apparatus is a graph.

11. Access to the database storing insurance information on insurance various products companies handled, an information processing method for performing information processing for selecting a desired item from the items stored in the database A search condition providing step of providing information about a search condition for searching the database; a search step of searching the database for the product corresponding to the search condition set based on the search condition providing step; It relates to the aforementioned insurance information of the commodity to find in the search step, and the transition calculation step of calculating the transition of the insurance information in a specific period of time up to the time of expiration from the time of subscription plans, the calculation result of the transition calculation step is the insurance companies
An information processing method comprising: a control step of controlling display processing in a list format for each of the products to be handled .

12. The method of claim 11, wherein the search condition providing step is a 10-year term insurance, long-term term insurance, 98-year-old term insurance, increasing term insurance, half loss gradually increasing insurance, one-third of the loss increasing term insurance, 4
One-off loss loss term insurance, life insurance, endowment insurance, endowment 10
Year insurance, endowment 20 years insurance, 2-story endowments and claim 11 cancer insurance, at least desired insurance type from one of the insurance type and providing the information to set as the search condition Information processing method described.

Wherein said searching step, the set the insurance type based on the search condition providing step searches the database as the search condition, the transition calculation step, the insurance type found by the search step For each year of the specific period, calculating insurance information including at least one of an insurance premium amount, a cumulative paid insurance premium amount, a guarantee amount, a refund amount, a simple refund rate and a real refund rate, and the control step 13. The information processing method according to claim 12, further comprising displaying an insurance type list in which the insurance information calculated in the transition calculating step is arranged for each insurance type.

14. The control step evaluates the effect of the insurance type included in the insurance type list for each item related to the purpose of enrolling in insurance, and displays a list of the results of this assessment. Item 13. The information processing method according to item 13 .

15. The items related to the purpose of subscribing to the insurance, the insurance kind of tax savings in a particular year until the expiration from the time of subscription plans, tax saving effect in a specific period of time up to the time of expiration from the time of subscription plans 15. The method according to claim 14 , further comprising at least one of: a cash flow effect, a security priority, a stability at the time of simulating an insurance type, and a measure at maturity.
Information processing method described.

16. The insurance type list includes a real return rate as the insurance information of the insurance type, and the control step sets the real return rate in a specific year within the specific period to the insurance type. 14. The information processing method according to claim 13 , wherein a list is displayed for each item.

17. The insurance type list includes at least one of a cumulative paid-in premium amount, a refund amount and a simple refund rate as the insurance information of the insurance type, and the control step is performed in the specific year. A list of at least one of the total amount of insurance premium paid, the amount of refund, the simple refund rate, and the tax-saving amount calculated from the insurance information is further displayed for each insurance type. 16. The information processing method described in 16 .

18. The insurance type table, as the insurance information of the insurance type, entitlement amount includes total paid insurance premium amount and refunded amount, said control step, with respect to the entitlement amount, said particular time period 14. The information processing method according to claim 13 , wherein the relationship between the cumulative paid-in insurance premium amount and the refund amount in a specific year is graphed.

19. the control step, the for the insurance type entitlement amount varies in a particular time period, the graphs the mean value of the entitlement amount over the specified period of time as the entitlement amount of the insurance type The information processing method according to claim 18, which is performed.

20. The insurance type list includes a guarantee amount and an insurance premium amount as the insurance information of the insurance type, and the control step indicates a transition of the guarantee amount and the annual insurance premium amount in the specific period. The information processing method according to claim 13 , wherein the method is a graph.

21. A program for executing the information processing method according to the computer in any one of the claims 11 to 20.

22. is readable by a computer,
An information recording medium recording the program according to claim 21 .

23. An information terminal used by a user, and an information providing device communicable with the information terminal via a network, wherein the information providing device is accessed using the information terminal,
An information processing system for performing information processing related to various insurance information based on insurance information acquired from the information processing apparatus, the information terminal, an information processing as claimed in any one of claims 1 to 10 An information processing system formed by a device.

24. The search condition providing means provides insurance type as the information on the retrieval condition, the retrieval means, the insurance company corresponding to the insurance type, which is set based on the search condition providing means handles Retrieving the product from the database, the transition calculation unit, regarding the predetermined insurance information of the product corresponding to the search by the search unit, transition of the insurance information in a specific period from the scheduled participation to the expiration of the period And the control unit ranks the products based on the calculation result of the transition calculation unit, and the insurance calculated by the transition calculation unit together with the products arranged in the order of the ranking. The information processing apparatus according to claim 1, further comprising: a list of insurance products displaying a transition of information.

25. The search condition providing means, said providing insurance type as increasing term insurance, if the searching means has performed a search for the increasing term insurance as the search condition, the transition calculating means, the search Calculating a simple return rate in each year within the specific period for the product that corresponds to the search by means, and the control means calculates the simple return rate in each year within the specific period calculated by the transition calculating means. The insurance product list that ranks the products based on the return rate, displays the products in the order of the ranking, and displays the simple return rate in each year within the specific period. The information processing apparatus according to claim 24 , wherein a table is displayed.

26. The method of claim 25, wherein the search condition providing means, the insurance type as to provide long term insurance, if the searching means has performed a search for the long term insurance as the search condition, the transition calculating means, the search For the product corresponding to the search by means, the insurance amount in each fiscal year within the specific period is calculated, and the control means, the insurance for each fiscal year within the specific period calculated by the transition calculation means. The insurance product list that ranks the products based on the amount of the premium, displays the products in the order of the ranking, and displays the premium amount in each year within the specific period. The information processing apparatus according to claim 24 , wherein a table is displayed.

27. The insurance product list further includes a selection unit for selecting a desired product from the products arranged and displayed in the order of the ranking, and the control unit includes the selection unit. and displays the selected the items arranged in the order of the ranking based on the transition to the list of the insurance information in the particular time period, any of claims 24 to 26, characterized in that The information processing device according to 1.

28. Further comprising a selecting means for selecting a desired product from the products included in the insurance product list, wherein the control means relates to the product selected based on the selecting means, claim 2, characterized in that graph the transition of the insurance information calculated by said transition calculating means
The information processing apparatus according to any one of claims 4 to 26 .

29. The transition calculating means relates to the aforementioned products that correspond to search by the searching means calculates a transition of the entitlement amount in the particular time period, said control means, said calculated by the transition calculating means 29. The information processing apparatus according to claim 28 , wherein a transition of the guarantee amount of a product is graphed.

30. When the products included in the ranking include products with different accounting processes, the transition calculation unit calculates a transition of miscellaneous income in the specific period, and the control unit includes: and displays the transition of the sundry calculated by the transition calculating means, according to any one of claims 24 to 29, characterized in that displaying a deductible amount and capitalized amount in the particular time period Information processing equipment.

31. The search condition providing means step is to provide insurance type as information relating to the search condition, the search step, said insurance companies corresponding to the insurance type, which is set based on the search condition providing step The product to be handled is searched from the database, and the transition calculation step relates to predetermined insurance information of the product that corresponds to the search in the search step, and the insurance information of the insurance information in a specific period from the scheduled participation to the expiration of the period. Calculating a transition, the control step ranks the products based on the calculation result of the transition calculating step, and arranges the products in the order of the ranking, and calculates the transition by the transition calculating step. to display the insurance products list that displays the transition of the insurance information, characterized in that claim 1, The information processing method according.

32. When the search condition providing step provides incremental term insurance as the insurance type, and when the search step searches using the incremental term insurance as the search condition, the transition calculation step includes the search. Calculating a simple return rate in each year within the specific period for the product corresponding to the search by the step, the control step, the simple return rate in each year within the specific period calculated by the transition calculation step. The products are ranked based on the return rate, and the products are arranged in the order of the ranking, and the insurance product list showing the simple return rate in each year within the specific period is displayed. 32. The information processing method according to claim 31 , wherein:

33. The search condition providing step, the insurance type as to provide long term insurance, when the searching step is performed to search the long-term insurance as the search condition, the transition calculation step, the search With respect to the product corresponding to the search by the step, the insurance premium amount in each year within the specific period is calculated, and the control step includes the insurance in each year within the specific period calculated by the transition calculation step. Ranking the products based on the amount of the premium, and arranging the products in the order of the ranking, and displaying the insurance product list showing the premium amount in each year within the specific period. 32. The information processing method according to claim 31 , wherein:

34. The insurance product list further comprises a selection step of displaying information for selecting a desired product from the products arranged in the ranking order, and the control step comprises the selection. selected the product based on the information displayed in step with placing the order of the ranking, claim 31 or claim wherein the transition to the list of the insurance information for a given period of time, characterized in that 33. The information processing method according to any one of 33 .

35. further comprising a selection step of displaying the information for selecting a desired item from among the items included in the insurance list, the control step, the displayed in the selection step relates selected the product based on the information, claim 31 or claim 33, characterized in that graph the transition of the insurance information calculated by the transition calculation step
The information processing method described in any one of 1.

36. The transition calculating step calculates a transition of a guarantee amount for the product corresponding to the search in the search step, and the control step calculates the transition of the guarantee amount in the specific period. The information processing method according to claim 35 , characterized in that the transition of the guarantee amount of the product is graphed.

37. When the products included in the ranking include those having different accounting processes, the transition calculation step calculates a transition of miscellaneous income in the specific period, and the control step comprises: and displays the transition of the sundry calculated by the transition calculating step, according to any one of claims 31 to claim 36, characterized in that displaying a deductible amount and capitalized amount in the particular time period Information processing method.

38. A program for causing a computer to execute the information processing method according to any one of claims 31 to 37 .

39. Computer readable,
An information recording medium recording the program according to claim 38 .

40. An information terminal used by a user, and an information providing device communicable with the information terminal via a network, wherein the information providing device is accessed using the information terminal,
An information processing system that performs information processing regarding various insurance information based on insurance information acquired from the information processing apparatus, wherein the information terminal is the information processing according to any one of claims 24 to 30. An information management system formed by a device.

[Procedure Amendment 2]

[Document name to be amended] Statement

[Correction target item name] 0018

[Correction method] Change

[Correction content]

[0018]

In order to achieve the above-mentioned object, the invention according to claim 1 provides various insurance companies.
Access to a database that stores insurance information about products
Stored in the database.
Information that performs information processing to select the desired product from the products
An information processing device for searching the database
Search condition providing means for providing information about search conditions of
And the search set based on the search condition providing means.
The products handled by the insurance companies that meet the conditions are
Search means for searching from the database and the search means
Insurance information of the products handled by the insurance companies searched from
Regarding the news, a specific period from the scheduled subscription to the expiration of the period
Transition calculating means for calculating the transition of the insurance information in
And the calculation results by the transition calculating means of the insurance companies
Control to display the list of each product
And a control means .

[Procedure 3]

[Document name to be amended] Statement

[Correction target item name] 0019

[Correction method] Change

[Correction content]

In order to achieve the above object, the invention according to claim 11 relates to the protection of various products handled by insurance companies.
Access the database that stores information about
Select the desired product from the products stored in the database
An information processing method for performing information processing for
Information about search conditions for searching the database
The search condition providing step to be provided and the search condition providing step
The above which corresponds to the above search conditions set based on the step
A search step for searching the database for the product,
Regarding the insurance information of the product searched in the search step,
However, only during the specified period from the scheduled subscription to the expiration of the period.
A transition calculation step of calculating the transition of the insurance information,
The calculation results of the transition calculation step
It is controlled so that it displays in a list form for each of the products handled.
And a control step for controlling .

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0020

[Correction method] Delete

[Procedure Amendment 5]

[Document name to be amended] Statement

[Correction target item name] 0021

[Correction method] Delete

Claims (67)

[Claims] 1. An information processing device for performing information processing for managing insurance information concerning insurance or securities, wherein at least the period from the time of enrollment to the expiration of the period is specified for each insurance amount of insurance information of a plurality of different products. Transition calculation means for calculating the transition of the insurance amount for each product for each age in the period, and control means for controlling the display calculation processing of the results calculated by the transition calculation means in a tabular format. An information processing device characterized by the above. 2. The information according to claim 1, wherein the control means calculates a total insurance amount for each age, and displays the total insurance amount for each age in a graph form. Processing equipment. 3. The insurance information is ordinary death protection amount information,
It includes at least one of cancellation and refund information, annual insurance premium information and cumulative insurance premium information, and the control means controls to display a transition of the amount of money by age related to the insurance information for each product. The information processing device according to claim 1. 4. An individual contract content list generation unit for generating an individual contract content list for taking measures for an individual contract, wherein the control unit is generated by the individual contract content list generation unit. The information processing apparatus according to claim 1, wherein the information processing apparatus is controlled to display a list of individual contract details. 5. An analysis unit for performing various analyzes on the insurance information is further provided, and the control unit displays an analysis result of the analysis unit as a graph relating to a correlation between age and insurance amount. The information processing device according to claim 1. 6. A disassembly sheet creating means for creating a disassembly sheet that decomposes the graph at a specific age, and the control means controls to display a mode of each insurance amount in each disassembled period. The information processing apparatus according to claim 5, wherein the information processing apparatus comprises: 7. The investment effect calculation means for calculating the investment effect at the expiration of the insurance period, or the investment effect at each disaggregated age, wherein the control means is the calculation result by the investment effect calculation means. The information processing apparatus according to claim 6, wherein the investment effect is calculated based on 8. The information processing apparatus according to claim 7, wherein the investment effect is a ratio of cancellation refund money to refund insurance money. 9. The insurance information includes at least one of term insurance information, term life insurance information with term, life insurance information, endowment insurance information and variable life insurance information, and the control means analyzes the insurance information. The information processing apparatus according to claim 5, wherein the information processing apparatus is controlled so as to display a result. 10. The severance pay simulation means for simulating retirement benefit payment by calculating the amount of severance pay for each age at retirement based on the insurance information, and the control means has the severance pay simulation means. The information processing apparatus according to claim 1, wherein the information processing apparatus is controlled so as to display a simulation result in step 1. 11. An insurance information management method for managing insurance information about insurance or securities using an information processing device owned by a user, wherein the insurance information is input based on an operation input by the user. It is configured to include an input screen for
A first display step of displaying a basic menu screen of a management file for managing the insurance information, and based on the input information input on the input screen by the operation input of the user, for at least one insured person, An operation step of performing an operation for generating each insurance amount for each age within a specific period of the insurance information for each of a plurality of products, and based on the operation result, at least for each insured person, A second display step of displaying a transition of each insurance amount for each product for each age in a tabular form, and an insurance information management method. 12. The insurance information management method according to claim 11, wherein the second display step includes a step of displaying a transition of the insurance amount for each age of the insurance information in a graph format. 13. The insurance information includes at least one of ordinary death protection amount information, cancellation and refund information, annual insurance premium information, and cumulative insurance premium information, and in the second display step, the insurance information is classified by age. The change in the amount of money is displayed for each product.
The insurance information management method described in 1. 14. The insurance information includes at least one of term insurance information, term life insurance information, life insurance information, endowment insurance information, and variable life insurance information, and based on an operation input by the user, The insurance information management method according to claim 11, further comprising a step of displaying an analysis screen capable of displaying an analysis result of insurance information. 15. The insurance information management method according to claim 14, wherein the analysis screen displays the amount curve of the subscription period and the calculation result of the investment effect. 16. The method according to claim 11, further comprising: a step of performing a calculation for simulating a retirement allowance based on a user's operation input on the basic menu screen; and a step of displaying the calculation result. Insurance information management method described in. 17. The insurance information management method according to claim 11, further comprising the step of displaying a measure selection screen for taking measures for individual contracts. 18. Based on the operation input of the user,
12. The step of displaying an insurance type name acquisition screen that prompts the user to select the type of insurance information desired by the user from a plurality of types of insurance information prepared in advance, further comprising: Insurance information management method. 19. The input screen includes the insured name, death payee, insurance type, contract date, calculation reference date, measure date, and security number in accordance with the policyholder name related to the insurance contract. , Payment method, gender, date of birth, insurance company, main contract death insurance amount, main contract insurance premium, main contract holding period, main contract payment period, main contract year, automatic renewal ending year, automatic renewal Renewal year, special death insurance amount, special insurance premium, special warranty period, special payment period,
12. The age of the special contract, the increasing rate at the time of increasing the special contract, the increasing rate at the time of increasing the special contract, annuity, and any or all of the paid are displayed so as to prompt the user to input. Insurance information management method. 20. The insurance information according to claim 19, wherein the input screen is displayed so as to prompt input of a death insurance amount and an insurance premium in the case of conversion of the main contract or the special contract. Management method. 21. The insurance information management method according to claim 19, wherein the input screen is displayed so as to prompt input of an interval and a period when the main contract or the special contract is gradually increased. 22. In the basic menu screen, an individual contract list operation unit for promoting generation of an individual contract list sheet, a disassembly sheet generation operation unit for promoting generation of a disassembly sheet for each insurance product, and specific input on the input screen. Input movement operation part for moving the screen display position to the item input position, security amount transition sheet generation operation part for encouraging generation of death protection amount transition sheet, insurance premium transition sheet generation for encouraging generation of insurance premium transition table The insurance information management method according to claim 11, wherein at least one of an operation unit and a cancellation refund money transition sheet generation operation unit for promoting generation of a cancellation refund money transition sheet is formed. 23. A program for causing a computer to execute the insurance information management method according to any one of claims 11 to 22. 24. Computer readable,
An information recording medium recording the program according to claim 23. 25. An information terminal used by a user, and a management device communicable with the information terminal via a network, wherein the service related to insurance information management is managed for the information terminal. An insurance information management system provided by using an apparatus, wherein the management apparatus is formed by the information processing apparatus according to any one of claims 1 to 10. system. 26. An information terminal used by a user, a management device formed to be communicable with the information terminal via a network, and accounting information formed to be communicable with the management device via the network. A storage information management system for providing insurance information management services to the information terminal using the management device and supplying the accounting information to the management device. An insurance information management system, wherein the management device is formed by the information processing device according to any one of claims 1 to 10. 27. The insurance information management system according to claim 25, wherein the information terminal is formed by the information processing device. 28. An information processing device which is provided so as to be accessible to a database storing insurance information on various products handled by insurance companies and which performs information processing for selecting a desired product from the products stored in the database. A search condition providing means for providing information on a search condition for searching the database; and a search means for searching the database for the product corresponding to the search condition set based on the search condition providing means. Regarding the insurance information of the product retrieved by the retrieval means, a transition calculation means for calculating a transition of the insurance information in a specific period from the time of joining the plan until the expiration of the term, and a calculation result by the transition calculation means in a table format. An information processing apparatus, comprising: 29. The search condition providing means is 10 year term insurance, long term term insurance, 98 year term term insurance, incremental term insurance,
At least one of: half-increased loss insurance, one-third loss-increased regular insurance, one-quarter loss-increased regular insurance, life insurance, endowment insurance, endowment ten-year insurance, endowment 20-year insurance, second-floor endowment insurance and cancer insurance 29. The information processing apparatus according to claim 28, which provides information for setting a desired insurance type as the search condition from any insurance type. 30. The search means searches the database using the insurance type set based on the search condition providing means as the search condition, and the transition calculation means searches the insurance type searched by the search means. About the amount of insurance premium, cumulative amount of premium paid in advance, amount of guarantee, amount of refund,
Insurance information including at least one of a simple return rate and a real return rate is calculated, and the control unit displays an insurance type list in which the insurance information calculated by the transition calculation unit is arranged for each insurance type. 30. The information processing apparatus according to claim 29, wherein: 31. The control means evaluates the effect of the insurance type included in the insurance type list for each item related to the purpose of enrolling in insurance, and displays a list of the results of this assessment. Item 30. The information processing device according to item 30. 32. The items related to the purpose of enrolling the insurance include tax-saving effects of the insurance type in a specific year from the time of scheduled participation to the expiration of the period, and tax-saving effects in a specific period from the scheduled participation to the expiration of the period. 32. At least one of, a cash flow effect, guarantee priority, stability when simulating insurance type, and maturity countermeasures.
The information processing device described. 33. The insurance type list includes a real return rate as the insurance information of the insurance type, and the control means sets the real return rate in a specific year within the specific period to the insurance type. 31. The information processing apparatus according to claim 30, wherein a list is displayed for each item. 34. The insurance type list includes, as the insurance information of the insurance type, at least one of a cumulative paid-in premium amount, a refund amount and a simple refund rate, and the control means is for the specific year. A list of at least one of the total amount of insurance premium paid, the amount of refund, the simple refund rate, and the tax-saving amount calculated from the insurance information is further displayed for each insurance type. 33. The information processing device according to 33. 35. The insurance type list includes, as the insurance information of the insurance type, a guarantee amount, a cumulative paid insurance premium amount, and a refund amount, and the control means is within the specific period for the guarantee amount. 31. The information processing apparatus according to claim 30, wherein the relationship between the cumulative amount of insurance premium paid and the amount of refund in a specific year is graphed. 36. The control means, for the insurance type in which the amount of insurance varies during the specific period, uses the average value of the amount of insurance over the specific period as the amount of insurance for the insurance type to graph the graph. 36. The information processing apparatus according to claim 35, which is performed. 37. The insurance type list includes a guarantee amount and an insurance premium amount as the insurance information of the insurance type, and the control means displays a change in the guarantee amount and the annual insurance premium amount in the specific period. 31. The information processing apparatus according to claim 30, which is made into a graph. 38. An information processing method for performing information processing for accessing a database storing insurance information on various products handled by insurance companies and selecting a desired product from the products stored in the database. A search condition providing step of providing information about a search condition for searching the database; a search step of searching the database for the product corresponding to the search condition set based on the search condition providing step; Regarding the insurance information of the product searched in the search step, a transition calculation step for calculating the transition of the insurance information in a specific period from the scheduled participation to the expiration of the period, and the calculation result by the transition calculation step is displayed in a table format. And an information processing characterized by including a control step for controlling the processing. Method. 39. The search condition providing step includes: 10-year term insurance, long-term term insurance, 98-year term term insurance, gradually increasing term insurance, increasing loss half loss insurance, 1/3 increasing loss term insurance, 4
One-off loss loss term insurance, life insurance, endowment insurance, endowment 10
39. Information for setting a desired insurance type as the search condition from at least any one of annual insurance, 20-year-old elderly insurance, two-story old-age insurance and cancer insurance is provided. Information processing method described. 40. The search step searches the database with the insurance type set based on the search condition providing step as the search condition, and the transition calculation step includes the insurance type searched for in the search step. For each year of the specific period, calculating insurance information including at least one of an insurance premium amount, a cumulative paid insurance premium amount, a guarantee amount, a refund amount, a simple refund rate and a real refund rate, and the control step 40. The information processing method according to claim 39, further comprising: displaying an insurance type list in which the insurance information calculated in the transition calculation step is arranged for each insurance type. 41. The control step evaluates the effect of the insurance type included in the insurance type list for each item related to the purpose of enrolling in insurance, and displays a list of the results of this assessment. 40. The information processing method according to item 40. 42. The items relating to the purpose of enrolling the insurance are tax-saving effects of the insurance type in a specific year from the time of scheduled participation to the expiration of the period, and tax-saving effects in a specific period from the scheduled participation to the expiration of the period. 42. At least one of: an effect on cash flow, a security priority, a stability at the time of simulating an insurance type, and a measure at maturity.
Information processing method described. 43. The insurance type list includes a real return rate as the insurance information of the insurance type, and the control step indicates the real return rate in a specific year within the specific period by the insurance type. The information processing method according to claim 40, wherein a list is displayed for each item. 44. The insurance type list includes, as the insurance information of the insurance type, at least one of a cumulative paid-in insurance premium amount, a refund amount and a simple refund rate, and the control step is performed in the specific year. A list of at least one of the total amount of insurance premium paid, the amount of refund, the simple refund rate, and the tax-saving amount calculated from the insurance information is further displayed for each insurance type. 43. The information processing method described in 43. 45. The insurance type list includes, as the insurance information of the insurance type, a guarantee amount, a cumulative paid insurance premium amount, and a refund amount, and the control step is performed within the specific period for the guarantee amount. 41. The information processing method according to claim 40, wherein the relationship between the cumulative paid-in insurance premium amount and the refund amount in a particular year is graphed. 46. In the control step, for the insurance type in which a guaranteed amount varies during the specific period, an average value of the guaranteed amount over the specified period is used as the guaranteed amount of the insurance type, and the graphing is performed. 46. The information processing method according to claim 45, which is performed. 47. The insurance type list includes a guarantee amount and an insurance premium amount as the insurance information of the insurance type, and the control step indicates a transition of the guarantee amount and the annual insurance premium amount in the specific period. 41. The information processing method according to claim 40, which is a graph. 48. A program for causing a computer to execute the information processing method according to any one of claims 38 to 47. 49. Computer readable,
An information recording medium recording the program according to claim 48. 50. An information terminal used by a user, and an information providing device communicable with the information terminal via a network, the information providing device being accessed using the information terminal,
It is an information processing system which performs information processing regarding various insurance information based on the insurance information acquired from the information processing apparatus, wherein the information terminal is the information processing according to any one of claims 28 to 37. An information processing system formed by a device. 51. The search condition providing means provides an insurance type as information about the search condition, and the search means is handled by each insurance company corresponding to the insurance type set based on the search condition providing means. Retrieving the product from the database, the transition calculation unit, regarding the predetermined insurance information of the product corresponding to the search by the search unit, transition of the insurance information in a specific period from the scheduled participation to the expiration of the period The control means performs the ranking of the products based on the calculation result of the transition calculation means, and displays the products by arranging them in the order of the ranking and calculating by the transition calculation means. 29. The information processing apparatus according to claim 28, further comprising: displaying an insurance product list showing a transition of the insurance information. 52. When the search condition providing unit provides incremental term insurance as the insurance type, and when the search unit performs a search using the incremental term insurance as the search condition, the transition calculation unit causes the search to be performed. Calculating a simple return rate in each year within the specific period for the product that corresponds to the search by means, and the control means calculates the simple return rate in each year within the specific period calculated by the transition calculating means. The insurance product list that ranks the products based on the return rate, displays the products in the order of the ranking, and displays the simple return rate in each year within the specific period. The information processing device according to claim 51, wherein a table is displayed. 53. The search condition providing means provides long-term term insurance as the insurance type, and when the search means performs a search using the long-term term insurance as the search condition, the transition calculation means causes the search to be performed. For the product corresponding to the search by means, the insurance amount in each fiscal year within the specific period is calculated, and the control means, the insurance for each fiscal year within the specific period calculated by the transition calculation means. The insurance product list that ranks the products based on the amount of the premium, displays the products in the order of the ranking, and displays the premium amount in each year within the specific period. The information processing device according to claim 51, wherein a table is displayed. 54. The insurance product list further includes a selection unit for selecting a desired product from the products arranged and displayed in the ranking order, and the control unit includes the selection unit. 54. The item selected based on the above is arranged and displayed in the order of the ranking, and a transition of the insurance information in the specific period is displayed in a list. The information processing device according to 1. 55. Further comprising a selecting means for selecting a desired product from the products included in the insurance product list, wherein the control means relates to the product selected based on the selecting means, The graph of the transition of the insurance information calculated by the transition calculation means.
The information processing apparatus according to any one of claims 1 to 53. 56. The transition calculation means calculates a transition of a guarantee amount in the specific period for the product that corresponds to the search by the search means, and the control means calculates the transition of the guarantee amount. 56. The information processing apparatus according to claim 55, wherein a transition of the guarantee amount of a product is graphed. 57. When the products included in the ranking include products with different accounting processes, the transition calculation unit calculates a transition of miscellaneous income in the specific period, and the control unit includes: 57. The transition of the miscellaneous income calculated by the transition calculation means is displayed, and the deductible amount and the capitalized amount in the specific period are displayed. Information processing equipment. 58. The search condition providing means step provides an insurance type as information on the search condition, and the search step is performed by each insurance company corresponding to the insurance type set based on the search condition providing step. The product to be handled is searched from the database, and the transition calculation step relates to predetermined insurance information of the product that corresponds to the search in the search step, and the insurance information of the insurance information in a specific period from the scheduled participation to the expiration of the period. Calculating a transition, the control step ranks the products based on the calculation result of the transition calculating step, and arranges the products in the order of the ranking, and calculates the transition by the transition calculating step. 39. An insurance product list showing the transition of insurance information is displayed. Information processing method described. 59. The search condition providing step provides increasing term insurance as the insurance type, and when the searching step searches using the increasing term insurance as the search condition, the transition calculating step includes the search. Calculating a simple return rate in each year within the specific period for the product corresponding to the search by the step, the control step, the simple return rate in each year within the specific period calculated by the transition calculation step. The products are ranked based on the return rate, and the products are arranged in the order of the ranking, and the insurance product list showing the simple return rate in each year within the specific period is displayed. 59. The information processing method according to claim 58, wherein: 60. The search condition providing step provides long-term fixed life insurance as the insurance type, and when the search step searches for the long-term fixed life insurance as the search condition, the transition calculation step includes the search. With respect to the product corresponding to the search by the step, the insurance premium amount in each year within the specific period is calculated, and the control step includes the insurance in each year within the specific period calculated by the transition calculation step. Ranking the products based on the amount of the premium, and arranging the products in the order of the ranking, and displaying the insurance product list showing the premium amount in each year within the specific period. 59. The information processing method according to claim 58, wherein: 61. The method further comprises a selection step of displaying information for selecting a desired product from the products arranged in the ranking order in the insurance product list, and the control step comprises the selection. 59. The products selected based on the information displayed in step are arranged in the order of the ranking, and a transition of the insurance information in the specific period is displayed in a list. 60. The information processing method according to any one of 60. 62. The method further comprises a selection step of displaying information for selecting a desired product from the products included in the insurance product list, wherein the control step includes the step of displaying the information displayed in the selection step. 61. The transition of the insurance information calculated by the transition calculating step for the product selected based on the information is graphed.
The information processing method described in any one of 1. 63. The transition calculating step calculates a transition of a guarantee amount for the product corresponding to the search by the search step, and the control step calculates the transition of the guarantee amount in the specific period. The information processing method according to claim 62, characterized in that a transition of the guarantee amount of a product is graphed. 64. When the products included in the ranking include those having different accounting processes, the transition calculation step calculates a transition of miscellaneous income in the specific period, and the control step comprises: 64. The change in the miscellaneous income calculated by the change calculating step is displayed, and the deductible amount and the capitalized amount in the specific period are displayed. Information processing method. A program for causing a computer to execute the information processing method according to any one of claims 58 to 64. 66. Computer readable
An information recording medium recording the program according to claim 65. 67. An information terminal used by a user, and an information providing device communicable with the information terminal via a network, wherein the information providing device is accessed using the information terminal,
An information processing system that performs information processing regarding various insurance information based on insurance information acquired from the information processing device, wherein the information terminal is the information processing according to any one of claims 51 to 57. An information management system formed by a device.