JP2004288175A - Contract conclusion support server; processing method in contract conclusion support server; program; and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To promptly determine a contract content according to a fee requested by a user when the user intends to conclude a contract (for instance, a contract related to an automobile insurance). <P>SOLUTION: This contract conclusion support server 100 receives a requested fee from one of terminals 200-202 of a user. Next, the server receives values of a plurality of items and second information for determining a first fee corresponding to the values. Next, the server determines the values of a plurality of the items and the first fee corresponding to the values based on first information and the second information stored in the contract conclusion support server to determine an overall fee. When the determined overall fee does not coincide with the requested fee, the determined values of a plurality of the items and the first fee corresponding to the values are adjusted. The server transmits the determined values of a plurality of the items, the overall fee corresponding to the values, and/or the adjusted values of a plurality of the items and the overall fee corresponding to the values to the terminal. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a contract conclusion support server, a processing method in the contract conclusion support server, a program, and a recording medium.

  In a conventional system for calculating insurance premiums related to automobile insurance, a user selects an insurance amount and a special contract to be attached, and the insurance premium is finally calculated. (For example, see Patent Document 1).

JP-A-2002-24551 (pages 4 to 6, FIGS. 2 to 11)

  However, the insurance premium calculated by the conventional system does not always match the insurance premium desired by the user, and as a result, it is often necessary to reconsider the contents of the contract.

  Therefore, an object of the present invention is to enable early determination of a contract content according to a fee desired by a user when concluding a contract (for example, a contract relating to automobile insurance).

  In order to achieve the above object, a contract conclusion support server according to the present invention provides a contract conclusion support server that supports the conclusion of a contract in which a first fee changes according to values of a plurality of items and an overall fee changes. A means for storing first information relating to a relationship between the values of the plurality of items and a first charge corresponding to those values; a means for receiving a desired charge from a terminal; Means for receiving values of a plurality of items and second information for determining a first fee corresponding to the values, and based on the first information and the second information, Means for determining values and a first fee corresponding to those values to determine an overall fee; and determining the determined overall fee if the determined overall fee does not match the desired fee. Multiple item values and their corresponding values Means for adjusting the first charge, and the value of the determined plurality of items and the overall charge corresponding to those values, and / or the value of the adjusted plurality of items and corresponding to the values thereof Means for transmitting an overall fee to said terminal.

  Here, the plurality of items are items in which, for each of them, a second charge can be determined by its value, and the first charge can be determined by adding up the second charges. And the first information includes, for each of the plurality of items, information on a relationship between a value of the plurality of items and a second fee corresponding to the value. Based on the second information, a value of each of the plurality of items and a second fee corresponding to the value may be determined to determine the first fee.

  Here, the adjusting means adjusts the value of the determined plurality of items and the first fee corresponding to those values while maintaining the ratio of the second fee for the plurality of items. It can be.

  Here, the adjusting unit may adjust the values of the determined plurality of items and the first fee corresponding to those values while maintaining the ratio of the values of the plurality of items. it can.

  Here, the contract conclusion support server is configured to determine, based on the statistical data, an evaluation regarding the values of the determined plurality of items and / or the adjusted values of the plurality of items, and the terminal performs the evaluation on the terminal. And a means for transmitting the information to the user.

  Here, the contract is a contract relating to insurance, and the means for determining the evaluation is based on a risk coverage for each of the determined plurality of item values and / or the adjusted plurality of item values. The evaluation may be determined according to the weight of each of the items.

  Here, it is possible to further include means for transmitting to the terminal a value of the plurality of items and / or a recommended value for the first fee corresponding to the value.

  Here, the contract is a contract relating to automobile insurance, and the recommended value is information on the past accident of the contractor, information on the past operation of the contractor, information on the appropriateness of driving of the contractor, and information on the appropriateness of the contractor. It may be calculated based on at least one of the information on the compensation preference.

  Here, a value of the determined plurality of items and / or a first fee corresponding to the values thereof, and / or a value of the adjusted plurality of items and / or a first fee corresponding to the values thereof. The information processing apparatus may further include means for transmitting, to the terminal, a degree of divergence between a charge and a value of the plurality of items and / or a recommended value of a first charge corresponding to the value.

  Here, the first fee corresponding to each value of the plurality of items is displayed as a length corresponding to the size thereof, and a display screen in which the total of the lengths of the plurality of items is constant is displayed. The communication device may further include a transmitting unit.

  Here, the contract may be a contract relating to insurance.

  Here, the overall fee may be determined by the first fee and the special contract fee.

  Here, each of the special contracts is related to any of the plurality of items, and the contract conclusion support server includes a trunk corresponding to each of the plurality of items, and a branch corresponding to each of the special contracts, The branch is displayed as a branch of a trunk for an item related to the special contract, and the trunk further includes means for transmitting a display screen having a length corresponding to a magnitude of a first fee for the item. Things.

  The processing method in the contract conclusion support server according to the present invention is a processing method in the contract conclusion support server that supports the conclusion of a contract in which the first fee changes according to the values of a plurality of items and the overall fee changes. The contract conclusion support server has means for storing first information relating to a relationship between the values of the plurality of items and a first fee corresponding to the values, and the processing method includes a step of: Receiving a fee; receiving, from the terminal, values of the plurality of items and second information for determining a first fee corresponding to the values; Determining values of the plurality of items and a first fee corresponding to the values based on the second information to determine an overall fee; and determining the determined overall fee and the desired price. The price matches Adjusting the values of the determined plurality of items and a first fee corresponding to those values, and an overall fee corresponding to the determined values of the plurality of items and the values thereof And / or transmitting the adjusted values of the plurality of items and an overall fee corresponding to those values to the terminal.

  A program according to the present invention is a program for causing the contract conclusion support server to execute the processing method.

  A recording medium according to the present invention is a recording medium that records a program for causing the contract conclusion support server to execute the processing method.

  ADVANTAGE OF THE INVENTION According to this invention, when trying to conclude a contract, the contract content according to the charge which a user desires can be determined early.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the present embodiment, a description will be given of an example of a contract relating to automobile insurance.

  FIG. 1 is a diagram illustrating a configuration example of a contract conclusion support system according to the present embodiment. The contract conclusion support system shown in FIG. 1 includes a contract conclusion support server 100 of an insurance company, terminals 200, 201, 202 and the like. The contract conclusion support server 100 and the terminals 200, 201, 202 and the like can communicate with each other via the network 10. The network 10 may include the Internet, a public network, a mobile phone network, and the like.

  The terminals 200 to 202 may take the form of a mobile terminal (for example, a mobile phone, a PHS, or a combination thereof with a mobile computer) in addition to a fixed terminal (for example, a desktop personal computer). Conceivable. In the case of a mobile terminal, it is connected to the network 10 via a base station or the like.

  The user of each terminal can connect to the contract conclusion support server 100 of the insurance company and determine the contents of the contract for car insurance. Once a satisfactory contract has been determined by the user, the user may sign the contract online on the spot or, if the user visits an agency and uses the terminal, You can also sign a contract at the store in writing. In addition, the clerk of the agency can carry the terminal, connect the terminal to the contract conclusion support server 100 in front of the customer, and determine the contents of the contract while listening to the request of the customer.

  The contract conclusion support server 100 first asks the user for the desired insurance premium. Thereafter, the insurance policy is changed in accordance with the user's request, and if the total premium does not match the desired premium, the insurance policy is adjusted so that the two match, and the user is informed. Present. The user may agree to the presented contract content or may adjust the insurance contract content without himself.

  If the total insurance premium does not match the desired premium, the contract conclusion support server 100 adjusts the insurance policy so that the two match, but the insurance amount and premium are usually set in units of one yen. Since it does not change, it may not be possible to adjust the total premium and the desired premium completely. In addition, the adjustment can be made only when there is a certain difference between the total premium and the desired premium. Even in such a case, the adjustment is made when the total premium does not match the desired premium. It can be said.

  In this way, when attempting to conclude a contract for car insurance, the user can quickly determine the contents of the contract according to the insurance premium desired by the user.

  FIG. 2 is a diagram illustrating a configuration example of the contract conclusion support server 100 in the present embodiment. The contract conclusion support server 100 includes a CPU (central processing unit) 112, a main storage device 114, an auxiliary storage device 116, a network interface 118, an input device 120, a display device 122, and a printing device 124. The contract conclusion support server 100 may take the form of, for example, a personal computer, a workstation, or the like.

  The CPU 112 performs various controls of the contract conclusion support server 100. The main storage device 114 includes a RAM and a ROM, and stores various programs, various data, and the like. The auxiliary storage device 116 can take the form of a hard disk, a floppy (registered trademark) disk, an optical disk, or the like, and stores various programs, various data, and the like. Network interface 118 may include a network adapter card, a modem, and the like. The input device 120 includes a keyboard, a mouse, and the like. The display device 122 is used for displaying various data and the like. The printing device 124 prints various data and the like.

  The CPU 112 performs processing based on a control program such as an OS (Operating System) stored in the main storage device 114, a program for performing various processes for support for contract conclusion, and the like. These programs can be recorded on a recording medium such as a floppy (registered trademark) disk, CD-ROM, optical disk, or the like, and can be read and executed by the main storage device 114, a hard disk, or the like before execution. .

  The contract conclusion support server 100 can communicate with the terminals 200 to 202 via the network interface 118 and the network.

  If the contract conclusion support server 100 has a function as a WWW (World Wide Web) server, the contract conclusion support server 100 can communicate with the terminals 200 to 202 based on HTTP (Hyper Text Transfer Protocol). . The users of the terminals 200 to 202 can input data and the like on a web page provided by the contract conclusion support server 100.

  FIG. 3 is a functional block diagram of the contract conclusion support server 100 in the present embodiment. The contract conclusion support server 100 includes a control unit 152, a communication unit 154, and a storage unit 160. The control unit 152 can communicate with the terminals 200 to 202 via the communication unit 154. Further, the control unit 152 can write and read information to and from the basic information storage unit 162, the special information storage unit 164, and the user interface information storage unit 166. The user interface information includes a screen form transmitted to the terminal.

  FIG. 4 is a diagram illustrating a configuration example of the terminal 200 in the present embodiment. Here, the terminal 200 will be described as an example, but the same applies to the terminal 201 and the terminal 202. The terminal 200 can also have the same configuration as the contract conclusion support server 100. The terminal 200 includes a CPU (central processing unit) 212, a main storage device 214, an auxiliary storage device 216, a network interface 218, an input device 220, a display device 222, and a printing device 224. The terminal 200 may take the form of, for example, a personal computer, a workstation, or the like, or a mobile terminal.

  The CPU 212 performs various controls of the terminal 200. The main storage device 214 includes a RAM and a ROM, and stores various programs, various data, and the like. The auxiliary storage device 216 can take the form of a hard disk, a floppy (registered trademark) disk, an optical disk, or the like, and stores various programs, various data, and the like. Network interface 218 may include a network adapter card, a modem, and the like. The input device 220 includes a keyboard, a mouse, and the like. The display device 222 is used for displaying various data and the like. The printing device 224 prints various data and the like.

  The CPU 212 performs processing based on a control program such as an OS stored in the main storage device 214, a program for performing various processes such as input and communication, and the like. These programs can be recorded on a recording medium such as a floppy (registered trademark) disk, CD-ROM, optical disk, or the like, and can be executed by being read into the main storage device 214 or a hard disk before execution. .

  The terminal 200 can communicate with the contract conclusion support server 100 via the network interface 218 and the network.

  FIG. 5 is a functional block diagram of the terminal 200 in the present embodiment. The terminal 200 includes a control unit 252, a communication unit 254, an input unit 256, a display unit 258, and a storage unit 260. The control unit 252 can communicate with the contract conclusion support server 100 via the communication unit 254. Further, the control unit 252 can input data from outside via the input unit 256. Further, the control unit 252 can display a data input screen or the like via the display unit 258. Further, the control unit 252 can write and read various information to and from the storage unit 260.

  Hereinafter, the flow when the user connects to the contract conclusion support server 100 using the terminal 200 and determines the contents of the contract will be described. When the user connects to the contract conclusion support server 100 using the terminal 200, the contract conclusion support server 100 transmits information on the initial screen to the terminal 200.

  FIG. 6 is a diagram illustrating an example of an initial screen transmitted to the terminal and displayed. On this screen, the user inputs information such as a desired insurance premium, a vehicle model, and the age of the insured. When the user inputs these information and clicks “OK” with a mouse, the information is transmitted to contract conclusion support server 100.

  Next, the contract conclusion support server 100 transmits information on a screen for setting the insurance amount and the insurance premium to the terminal 200.

  FIG. 7 is a diagram illustrating an example of a screen for setting the insurance amount and the insurance premium, which is transmitted to the terminal and displayed.

  In the present embodiment, insurance amounts and premiums are set for property insurance, liability insurance and accident insurance. However, other items may be added in addition to or in addition to these items (categories).

  The user can change the insurance amount and insurance premium for each item by operating the gauges 21 to 23 with the mouse and moving the gauge left and right. When one of the insurance amount and the insurance premium is determined, the other is determined. Information on the relationship between the two is stored as basic information in the basic information storage unit 162 for each item. Information on the relationship between the two may be stored, for example, as the relationship between the values of the two, or may be stored as a calculation formula. In the present embodiment, when the gauges 21 to 23 are set at intermediate positions, the average insurance amount and the insurance premium are set. Further, in the present embodiment, the relationship between the insurance amount and the insurance premium according to the vehicle name model, the age of the insured person, and the like is stored as basic information. In addition, you may make it unlimited (infinity) as the maximum value of the insurance amount.

  When the insurance amounts and premiums are changed by operating the gauges 21 to 23, the display of the ratio for each item on the screen also changes. The user looks at this ratio, and if it does not meet his intention, the user can change the ratio of the premium for each category by operating the gauges 24 and 25 with the mouse and moving it left and right. For example, when the gauge 25 is moved to the left to increase the ratio of accident insurance premiums, for the remaining items (property insurance and liability insurance), the insurance premium ratio between them (in the example of FIG. 7, While maintaining property insurance: liability insurance = 4: 5), the ratio to the total decreases. That is, for example, in FIG. 7, when the ratio of accident insurance premiums is 55%, the ratios of property insurance and liability insurance premiums are 20% and 25%, respectively. At that time, the insurance premium of each item changes according to the changed ratio while maintaining the total amount (75,000 yen in the example of FIG. 7). As insurance premiums change, so does the amount of insurance.

  In the present embodiment, when any of the gauges 21 to 25 is double-clicked with a mouse, the gauge can be fixed. For example, the gauge 22 can be moved to the rightmost position and the liability insurance can be set to the maximum value (for example, unlimited), and the gauge 22 can be fixed. After that, when the gauge 25 is moved to the left to increase the ratio of accident insurance premiums, only the ratio of property insurance premiums decreases because the insurance amount and premium of liability insurance are fixed, and 24 also moves to the left.

  During the operation as described above, the contract conclusion support server 100 and the terminal 200 exchange information, and the insurance amount, the insurance premium, and the ratio of each item can be understood by the user. When the user clicks and determines, the contract conclusion support server 100 can know the determined insurance amount and premium, and the ratio for each item. That is, the contract conclusion support server 100 receives, from the terminal 200, information for determining (identifying) the insurance amount and the insurance premium.

  Note that the user can also click “return” to reset the desired insurance premium and the like.

  When the user clicks "OK" on the screen in FIG. 7, the contract conclusion support server 100 determines whether or not the total premium of the three items exceeds the desired premium. If it exceeds, the insurance amount and premium are adjusted so that the above total amount and the desired premium match while maintaining the ratio of the premium for the three items. When making the adjustment, the contract conclusion support server 100 transmits to the terminal 200 a screen showing the insurance amount and the insurance premium before the adjustment and the insurance amount and the insurance premium after the adjustment.

  FIG. 8 is a diagram illustrating an example of a screen transmitted to the terminal and displayed, showing the insurance amount and the insurance premium before adjustment and the insurance amount and the insurance premium after adjustment.

  In the present embodiment, a screen showing the insurance amount and premium before adjustment and the insurance amount and premium after adjustment are transmitted and displayed, but a screen showing only the insurance amount and premium after adjustment is transmitted. May be displayed.

  In this embodiment, the insurance amount and the insurance premium are adjusted while maintaining the insurance premium ratio for the three items. However, the insurance amount and the insurance amount are maintained while maintaining the insurance amount ratio for the three items. You can also adjust your premium.

  In the screen of FIG. 8, the user can click “OK” to proceed to the next, or click “Back” to reset the insurance amount and premium, the ratio for each item, and the like. .

  When the adjustment is not performed, and when the user clicks “OK” on the screen in FIG. 8, contract conclusion support server 100 transmits information on the screen for setting a special contract to terminal 200.

  FIG. 9 is a diagram illustrating an example of a screen for setting a special contract, which is transmitted and displayed on the terminal. The addition of special contracts increases or decreases the range of insurance, and increases or decreases insurance premiums. The special covenant may be limited to a family member, a 30-year-old collateral, a special car covenant, a substitute car, an over-objective, and the like. For example, if a "car substitute" is attached, when a car becomes unusable in an accident, the car can be arranged free of charge, but the insurance fee increases. On the other hand, if "family only" is added, insurance will not be available when a non-family person drives and causes an accident, but insurance premiums will be reduced.

  In the screen of FIG. 9, the user can attach a special contract by dragging the icon displayed at the top with the mouse and putting the icon in the priority order box. However, the user can move the gauge 26 left and right by operating the mouse, and even if the special contract is once put in the box, the special contract becomes invalid when it comes to the right side of the gauge 26. The gauge 26 is provided for convenience when the user selects a special contract.

  In FIG. 9, the amount is displayed below the icon displayed at the top, and the total amount of the special contract currently attached is displayed at the bottom. Information on the relationship between the special contract and the insurance premium is stored in the special contract information storage unit 164 as special contract information.

  In the screen of FIG. 9, the user can click “OK” to proceed to the next, or click “Back” to reset the insurance amount and premium, the ratio for each item, and the like. .

  When the user clicks “OK” on the screen of FIG. 9, the contract conclusion support server 100 determines whether the sum of the total amount of the insurance premiums of the three items and the total amount of the special contracts does not exceed the desired insurance premiums. to decide. If so, adjust the insurance amount and premium so that the above sum and the desired premium match, while maintaining the premium ratio for the three items, as described above. I do. When making the adjustment, the contract conclusion support server 100 transmits to the terminal 200 a screen showing the insurance amount and the insurance premium before the adjustment and the insurance amount and the insurance premium after the adjustment.

  FIG. 10 is a diagram showing an example of a screen transmitted to the terminal and displayed, showing the insurance amount and the insurance premium before adjustment and the insurance amount and the insurance premium after adjustment.

  As described above, a screen showing only the adjusted insurance amount and insurance premium can be transmitted and displayed, and the insurance amount and insurance ratio can be maintained while maintaining the ratio of the insurance amount for the three items. Fees can be adjusted.

  With regard to special contracts, there are some contracts where the insurance premium is reduced. Therefore, in the present embodiment, the contract conclusion support server 100 determines the total amount of the insurance premium of the three items and the total amount of the special contract (in this case, a negative value). Is determined to be less than or equal to the desired insurance premium. If it is lower, the insurance amount and the premium are adjusted so that the above-mentioned sum and the desired premium match while maintaining the ratio of the premium for the three items. When making the adjustment, the contract conclusion support server 100 transmits to the terminal 200 a screen showing the insurance amount and the insurance premium before the adjustment and the insurance amount and the insurance premium after the adjustment. Also in this case, as described above, a screen showing only the adjusted insurance amount and the insurance premium can be transmitted and displayed, and while maintaining the ratio of the insurance amount for the three items, Insurance amounts and premiums may be adjusted.

  In the present embodiment, the adjustment is performed when the sum is less than the desired premium, but the adjustment may not be performed in such a case.

  In the screen of FIG. 10, the user can click “OK” to proceed to the next, or click “Back” to display the special contract, in some cases, the insurance amount and premium, the ratio for each item, and the like. You can set it again.

  When the user clicks "OK" on the screen shown in FIG. 10, the contents of the contract are determined. The contract conclusion support server 100 can make a contract with a user online on the spot.

  FIG. 11 is a diagram illustrating another example of a screen for setting the insurance amount and the insurance premium, which is transmitted and displayed on the terminal. In the example of FIG. 11, in addition to the items displayed in the example of FIG. 7, the degree of security, importance, and evaluation are displayed.

  The degree of security is an index of the risk coverage for each item, and is represented in five levels in the present embodiment. The risk coverage rate is an index that indicates, from past statistics, the percentage of accidents that occurred for the item and that the entire amount of the damage can be covered. The degree of security is, for example, 5 points when the risk coverage is 85 to 100%, 4 points when the risk coverage is 70 to 85%, 3 points when the risk coverage is 55 to 70%, 2 points when the risk coverage is 40 to 55%, If it is 0 to 40%, one point can be given. In the example of FIG. 11, each item of property insurance, liability insurance and accident insurance has four points, two points and four points of security, respectively. The statistical data can be stored in the storage unit 160, for example.

  The importance is a value that is set for each item in correlation with the average amount of damage obtained from past statistics, and is represented in ten levels in the present embodiment. In the example of FIG. 11, the items of property insurance, liability insurance and accident insurance have importance levels of 3, 10, and 5, respectively. The degree of importance can be determined in advance and stored in the storage unit 160, for example.

  The evaluation is an index for evaluating the current setting of the insurance amount. In the present embodiment, each item is a total value of values obtained by multiplying the degree of security by the degree of importance. Therefore, the evaluation is calculated according to the weight of each item (by performing weighting). In the example of FIG. 11, the evaluation is 52 points.

  The contract conclusion support server 100 determines the degree of security and the evaluation value in accordance with the current setting state of the insurance amount, transmits it to the terminal together with the degree of importance, and displays the degree of security, importance and the evaluation value on the terminal.

  The user can examine the contents of the contract while referring to the degree of security, importance, and evaluation value.

  These reliabilities, importances and evaluation values can be calculated and displayed when the insurance amount and premium are adjusted. That is, for example, it can be displayed on the screen of FIG. 8 or FIG.

  In the present embodiment, the evaluation value is obtained by weighting the degree of security by importance, but the total value of the degree of security can be used as it is as the evaluation value.

  Further, in the present embodiment, the degree of security, importance, and evaluation value are determined without considering the special agreement. However, the security, importance, and evaluation value, including the special agreement, may be determined. it can.

  Further, the degree of security, importance, and evaluation can be calculated more strictly as follows.

In other words, the premium for an item (risk) i x, the probability density function for the number of losses and _f i (x), item i premium prm _i CDF point _F i of (prm _i) is It is expressed as follows.

Figure 12 is a diagram illustrating a premium x, an example of the relationship between the probability density function f _{i (x)} for the number of losses. Usually, the relationship between the amount of damage and the number of losses is often shown, but since the premium and the amount of insurance (= the amount of damage to be covered) are uniquely determined, the relationship between the insurance premium and the number of losses is used here. Is shown.

Certain insurance premiums prm _i risk coverage at the time of the items i (confidence _level) s _i (prm _i) is defined as follows: (100 minutes constant of).

The total amount of damage during the calculation period of the item i and L _i, of the insurance products that consists of n items, to define the importance of the item i (coefficient) g _i as follows.

  In this formula, the expected value is calculated by multiplying the ratio of the number of accidents corresponding to item i in the total number of accidents during the calculation period to the average damage amount of item i, that is, the expected value. The same result is obtained as when the ratio of the expected value of the item i to the total expected value of the item is obtained.

Therefore, it is possible to define risk coverage of the entire product when there insurance product p have the n items (risk) (Evaluation) C _p as follows.

In this way, the risk coverage can be set for each item, and these can be totaled to calculate the risk coverage (evaluation) of the entire product. As described above, because of the use of importance (coefficient) g _i is the calculation of the evaluation, evaluation will be calculated according to the weight of each item.

  In the above data, the loss ratio is updated based on the data on the amount of damage that is tabulated daily, and can be reflected in the risk coverage.

  FIG. 13 is a diagram illustrating another example of a screen for setting the insurance amount and the insurance premium, which is transmitted and displayed on the terminal. In the example of FIG. 13, in addition to the items displayed in the example of FIG. 7, a recommended insurance amount, a recommended insurance premium, a divergence degree, and a message are displayed.

  The recommended insurance amount (recommended value) and the recommended insurance premium (recommended value) are, for example, simply the average value of a conventional policyholder or a value that is likely to cover the loss amount based on past statistics. It may be used, or a value specialized for the contractor (who intends to contract this time) may be calculated.

  When calculating a value specific to the contractor, for example, information on the past accident of the contractor, information on the past operation of the contractor, information on the appropriateness of driving of the contractor, and information on the compensation of the contractor It is conceivable that the calculation is performed based on information about preferences. The calculation may be performed based on a part of the information, or the calculation may be performed by adding other information.

  Information on past accidents of the contractor can be input to the terminal by the contractor (user of the terminal), received by the contract conclusion support server 100, and stored in the storage unit 160, for example. For example, it is conceivable to calculate a recommended insurance amount (and a corresponding recommended premium) so as to cover an accident similar to the past accident using information on the past accident of the contractor.

  The information on the past operation of the contractor sets, for example, a period sufficient to determine the average operation form of the contractor throughout the year, and operates the operation information (route, speed, weather information, etc.) in that period by car navigation. It can be obtained by recording using a GPS device or the like of the system. On the basis of such objective information collected without notice, for example, it is conceivable to estimate the degree of risk and the assumed accident pattern by comparing the safe driving degree with a prepared model index. Also, based on the operation results on narrow roads, expressways, etc. in the operation information and the driving characteristics of the contractor determined from the operation information, what kind of risk is high (what kind of compensation / special contract is necessary J) is considered. Information on the past operation of the contractor can be transmitted to the contract conclusion support server 100 from a system for managing the operation information of the contractor, and stored in the storage unit 160, for example.

  The information on the appropriateness of the driving of the contractor is transmitted to (the terminal of) the contractor, for example, as shown in FIG. The data can be received by the server 100 and stored in the storage unit 160. For example, it is conceivable to make a diagnosis from the viewpoint of driving appropriateness with a focus on personality such as prudence by using information on the appropriateness of driving of the contractor, and to estimate an assumed accident pattern and frequency. Further, depending on the driving characteristics of the contractor, it is also conceivable to calculate the driving risk or the like by comparing the information with the past operation of the contractor.

  The information about the contractor's preference for compensation is also transmitted to (a terminal of) the contractor, for example, as shown in FIG. 17 to be described later, and the contractor is required to input an answer. 100 and can be stored in the storage unit 160. For example, it is conceivable to classify which item (risk) the contractor is interested in using information on the contractor's preference for compensation, and to set compensation contents and compensation amount to be attached.

  It should be noted that, for a contractor who has already signed a contract (existing contractor), the above four information and the contents of the contract are stored, and a new contractor (new contractor) appears. In this case, it is conceivable to select an existing contractor having four pieces of information close to the four pieces of information about the new contractor, and to make the contents of the contract into a recommended insurance amount and a recommended insurance premium.

Returning to FIG. 13, in this example, the divergence degree and the message are also displayed. The discrepancy is a value indicating the discrepancy between the currently adjusted premium and the recommended premium. The divergence can be calculated, for example, as follows. That is, first, the ratio of the absolute value of the difference between the current premium prm _i of the item i and the recommended premium prec _i to the recommended premium is determined as follows.

And there insurance products p is a percentage of the mean value D _p of discrepancy rate of the product in the case with n risk is defined as follows.

For example it is possible to make the D _p and discrepancy. In the example of FIG. 13, it is 18%.

  As a message, for example, when it is 0% or more and less than 5%, "good" is displayed, and when it is 5% or more and less than 10%, "recommend review" is displayed, and 10% or more In the case of, "review is strongly recommended" may be displayed.

  These divergence degrees and messages can be calculated and displayed even when the insurance amount and premium are adjusted. That is, for example, it can be displayed on the screen of FIG. 8 or FIG.

  In the above example, the degree of divergence based on the insurance premium is used, but the degree of divergence based on the insurance amount may be used instead, or both degrees of divergence may be used.

  FIG. 14 is a diagram illustrating another example of a screen for setting the insurance amount and the insurance premium, which is transmitted to and displayed on the terminal. Instead of the display screen of FIG. 7, a display screen as shown in FIG. 14 can be used. In FIG. 14, the ratio of the premium for each item is represented by a bar graph. The recommended values are also shown.

  Each of the gauges (bars) 31 to 33 has a length corresponding to the size of the property, compensation, and accident insurance premiums, and the total length thereof is constant. The user of the terminal can adjust the length of the gauges 31 to 33 by dragging the upper part of the gauge with a mouse, and the insurance premium changes according to the length. Increasing one premium (increasing the length of its gauge) decreases the other two premiums (decreasing their gauge length). In accordance with the change of the insurance premium, the display of the insurance amount and the insurance premium displayed on the right side also change.

  FIG. 15 is a diagram illustrating another example of a screen for setting the insurance amount and the insurance premium, which is transmitted to and displayed on the terminal. Instead of the display screen of FIG. 7, a display screen as shown in FIG. 15 can be used. In FIG. 15, the ratio of the insurance premium for each item is represented by a drawer chart. The recommended values (dotted lines) are also shown.

  The length from the points (points) 41 to 43 to the center 49 depends on the size of the property, liability and accident insurance premiums, respectively, and the total length is constant. The user of the terminal can adjust the length by dragging the points 41 to 43 with the mouse, and the premium changes according to the length. If you increase one premium (increase its length), the other two premiums decrease (their length decreases). In accordance with the change of the insurance premium, the display of the insurance amount and the insurance premium displayed on the right side also change.

  FIG. 16 is a diagram illustrating another example of a screen for setting the insurance amount and the insurance premium, which is transmitted to the terminal and displayed. Instead of the display screen of FIG. 7, a display screen as shown in FIG. 16 can be used. In FIG. 16, each item (main risk) of property, liability and accident insurance and special contracts related thereto are represented by a tree structure. In other words, it is possible to provide an intuitive and easy-to-understand trial calculation model based on the idea that branches of the special agreement grow at the trunk of the main risk.

  In the tree structure, there are trunks 91 to 93 corresponding to each item, and there are branches 81 to 89 corresponding to each special contract related thereto. In the example of FIG. 16, the special contract relates to any item. In the example of FIG. 16, there are a plurality of hierarchies in the special contract. For example, the special contract corresponding to the branch 84 is a sub special contract that can be attached on the special contract corresponding to the branch 83.

  Each of the trunks 91 to 93 has a length corresponding to the size of the insurance premium, and the total of the lengths is constant. The user of the terminal can adjust the length by dragging the ends of the trunks 91 to 93 with a mouse, and the insurance premium changes according to the length. Increasing one premium (by increasing its trunk length) reduces the other two premiums (their stem length decreases).

  Further, among the special contracts whose insurance premium can be changed (for example, a special contract corresponding to the branch 82), the user of the terminal adjusts the length by dragging the end of the branch with the mouse. The insurance fee changes according to the length.

  In FIG. 16, those that exist as special contracts but are not attached (for example, special contracts corresponding to the branches 81) are indicated by dotted lines.

  In FIG. 16, by changing the length of the trunk, the lengths of the related branches can be changed simultaneously and cooperatively. For example, when the length of the trunk 91 is increased, the length of the branches 81 to 85 and the like can be increased at the same time. Also, the area of the leaf bush portion 99 may be increased in cooperation with the area, and the area may represent the insurance premium. On the other hand, when the length of the trunk 91 is increased, the lengths of the trunks 92 and 93 and the branches 86 to 89 are reduced. That is, if the trunk of a certain primary risk is lengthened, the entire tree is similarly enlarged, while the entire other primary risk tree is similarly reduced.

  FIG. 17 is a diagram illustrating an example of a questionnaire screen transmitted to the terminal and displayed. The contract conclusion support server 100 transmits such a questionnaire screen to the user terminal before the user sets the special agreement, receives the answer, and based on the answer, selects a combination of the special agreement recommended to the user. Can be determined. This method is particularly effective when there are many types of special contracts and it is likely that the user may be wondering which special contract to select.

  In the example of FIG. 17, for example, if the use of a car is commuting, the user may use the car on a daily basis. can do. Further, when the child of the user also drives a car, it is possible to recommend a special contract covering the case of driving by a child or a special contract suitable for the age of the child.

  Further, a special contract can be recommended based on the information input on the screen of FIG. For example, if the age of the user (insured person) is 30 years or older, a special contract for reducing the insurance premium for the user 30 years or older can be recommended.

  When the contract conclusion support server 100 determines recommended special contracts in this way, for example, the contracts can be set in advance in the priority order box on the screen of FIG. 9.

  In the present embodiment, the desired insurance premium can be changed, for example, by returning to the screen of FIG. 6 even during the process of determining the insurance amount and the insurance premium. For example, it is considered that the contractor (user of the terminal) may have to increase the desired premium in view of the evaluation in FIG. 11 and the divergence and the message in FIG. It is also conceivable to have the contractor select whether to adjust the insurance amount and premium or change the desired premium on the screens of FIGS.

  Although the present embodiment has been described with respect to a contract relating to automobile insurance as an example, the present invention relates to a contract relating to other insurance (for example, a contract relating to life insurance, a contract relating to accident and new type golfers and a non-life insurance contract relating to overseas travel), Other contracts (eg, mortgage contracts, car lease contracts, pension contracts) can also be applied. For example, in the case of a mortgage loan, the repayment amount per year or the repayment amount per month can be associated with the total insurance premium, and the loan and term can be associated with the plurality of items. Further, for example, in a car lease contract, a lease fee can be associated with the total insurance premium, and a period, a vehicle type, and the like can be associated with the plurality of items.

It is a figure showing the example of composition of the contract conclusion support system in an embodiment of the present invention. It is a figure showing the example of composition of the contract conclusion support server in an embodiment of the present invention. It is a functional block diagram of a contract conclusion support server in an embodiment of the present invention. It is a figure showing the example of composition of the terminal in an embodiment of the present invention. It is a functional block diagram of a terminal in an embodiment of the present invention. FIG. 9 is a diagram illustrating an example of an initial screen transmitted to a terminal and displayed. FIG. 5 is a diagram illustrating an example of a screen for setting an insurance amount and an insurance fee, which is transmitted to and displayed on a terminal. It is a figure which shows the example of the screen which shows the insurance amount before adjustment, and the insurance amount after adjustment and the insurance amount after adjustment which are transmitted and displayed on a terminal. FIG. 9 is a diagram illustrating an example of a screen for setting a special contract, which is transmitted to and displayed on a terminal. It is a figure which shows the example of the screen which shows the insurance amount before adjustment, and the insurance amount after adjustment and the insurance amount after adjustment which are transmitted and displayed on a terminal. FIG. 11 is a diagram illustrating another example of a screen for setting an insurance amount and a premium, which is transmitted to and displayed on the terminal. And premium x, is a diagram showing an example of the relationship between the probability density function f _{i (x)} for the number of losses. FIG. 11 is a diagram illustrating another example of a screen for setting an insurance amount and a premium, which is transmitted to and displayed on the terminal. FIG. 11 is a diagram illustrating another example of a screen for setting an insurance amount and a premium, which is transmitted to and displayed on the terminal. FIG. 11 is a diagram illustrating another example of a screen for setting an insurance amount and a premium, which is transmitted to and displayed on the terminal. FIG. 11 is a diagram illustrating another example of a screen for setting an insurance amount and a premium, which is transmitted to and displayed on the terminal. It is a figure showing the example of the questionnaire screen transmitted to a terminal and displayed.

Explanation of reference numerals

Reference Signs List 10 network 21-26, 31-33 gauge 41-43 points 49 center 81-89 branch 91-93 trunk 99 leaf bush part 100 contract conclusion support server 112, 212 CPU
114, 214 Main storage device 116, 216 Auxiliary storage device 118, 218 Network interface 120, 220 Input device 122, 222 Display device 124, 224 Printing device 152, 252 Control unit 154, 254 Communication unit 160, 260 Storage unit 162 Basic information Storage unit 164 Special contract information storage unit 166 User interface information storage unit 256 Input unit 258 Display unit

Claims (16)

A contract conclusion support server that supports the conclusion of a contract in which a first fee changes according to a value of a plurality of items and an overall fee changes,
Means for storing first information relating to a relationship between values of the plurality of items and a first fee corresponding to those values;
Means for receiving the desired fee from the terminal,
Means for receiving, from the terminal, values of the plurality of items and second information for determining a first fee corresponding to the values;
Means for determining values of the plurality of items and a first fee corresponding to the values based on the first information and the second information, and determining an overall fee;
Means for adjusting the values of the determined plurality of items and the first fee corresponding to those values when the determined overall fee does not match the desired fee;
Sending to the terminal the determined plurality of item values and the overall fee corresponding to those values, and / or the adjusted plurality of item values and the overall fee corresponding to the values; And a means for supporting contract conclusion. It is a contract conclusion support server of Claim 1, Comprising:
The plurality of items are items for each of which a second charge can be determined by its value, and the first charge can be determined by adding up the second charges,
The first information includes, for each of the plurality of items, information on a relationship between a value thereof and a second fee corresponding to the value,
The determining means determines a value of each of the plurality of items and a second fee corresponding to the value based on the first information and the second information, and determines the first fee. A contract conclusion support server characterized by performing.   3. The contract conclusion support server according to claim 2, wherein the adjusting unit maintains the ratio of the second charge for the plurality of items, while maintaining the value of the determined plurality of items and their values. 4. Adjusting a first fee corresponding to the contract.   3. The contract conclusion support server according to claim 2, wherein the adjusting unit maintains the ratio of the values of the plurality of items, while maintaining the ratio of the determined plurality of items and a value corresponding to the determined plurality of items. A contract conclusion support server for adjusting the fee of (1). It is a contract conclusion support server of Claim 1, Comprising:
Means for determining a value for the determined plurality of items and / or a value for the adjusted plurality of items based on the statistical data;
Means for transmitting the evaluation to the terminal. It is a contract conclusion support server of Claim 5, Comprising:
The contract is a contract for insurance,
The means for determining the evaluation is based on a risk coverage for each of the determined plurality of item values and / or the adjusted plurality of item values, and in accordance with a weight of each of the items, A contract conclusion support server for determining an evaluation.   2. The contract conclusion support server according to claim 1, further comprising: means for transmitting to the terminal a value of the plurality of items and / or a recommended value of a first fee corresponding to the value. Contract conclusion support server. It is a contract conclusion support server of Claim 7, Comprising:
The contract is a contract for car insurance,
The recommended value is based on at least one of information on the past accident of the contractor, information on the past operation of the contractor, information on the appropriateness of driving of the contractor, and information on the compensation preference of the contractor. A contract conclusion support server characterized by being calculated.   The contract conclusion support server according to claim 7, wherein the value of the determined plurality of items and / or a first fee corresponding to the value, and / or the value of the adjusted plurality of items and And / or means for transmitting to the terminal the degree of deviation between the first charge corresponding to those values and the value of the plurality of items and / or the recommended value for the first charge corresponding to those values. A contract conclusion support server comprising:   2. The contract conclusion support server according to claim 1, wherein the first fee corresponding to each value of the plurality of items is displayed as a length corresponding to the size, and the first fee is displayed for the plurality of items. A contract conclusion support server further comprising means for transmitting a display screen having a constant total length.   2. The contract conclusion support server according to claim 1, wherein the contract is a contract relating to insurance.   12. The contract conclusion support server according to claim 11, wherein the overall fee is determined by the first fee and a special contract fee. It is a contract conclusion support server of Claim 12, Comprising:
Each of said covenants relates to any of said plurality of items,
The contract conclusion support server includes a trunk corresponding to each of the plurality of items, and a branch corresponding to each of the special contracts, and the branch is displayed as a trunk branch for an item related to the special contract, A contract conclusion support server further comprising: a trunk transmitting a display screen having a length corresponding to a size of a first fee for the item. A processing method in a contract conclusion support server for supporting the conclusion of a contract in which a first fee changes according to a value of a plurality of items and an overall fee changes, wherein the contract conclusion support server comprises: And means for storing first information relating to the relationship between the value of
Receiving a desired fee from the terminal;
Receiving, from the terminal, values of the plurality of items and second information for determining a first fee corresponding to the values;
Determining values of the plurality of items and a first fee corresponding to the values based on the first information and the second information, and determining an overall fee;
Adjusting the values of the determined plurality of items and the first fee corresponding to those values when the determined overall fee does not match the desired fee;
Sending to the terminal the determined plurality of item values and the overall fee corresponding to those values, and / or the adjusted plurality of item values and the overall fee corresponding to the values; A processing method comprising the steps of:   A program for causing the contract conclusion support server to execute the processing method according to claim 14.   A recording medium storing a program for causing the contract conclusion support server to execute the processing method according to claim 14.

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