JP2005149208A - Insurance contract system, insurance contract method, and insurance contract simulation program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance contract system which can be changed freely during an arbitrary term from contract conclusion to contract expiration. <P>SOLUTION: This system is provided with a simulation means for selecting a desired term among a plurality of terms related to insurance contract; inputting data corresponding to the specific term and storing it in a storage means, calling a relational expression correlated to the desired term, and obtaining data corresponding to the desired term by using the called relational expression. When data corresponding to at least one of the specific terms are changed by an input device during the arbitrary term from the conclusion of the insurance contract to expiration of the term of insurance, the simulation means calls from the storage means the relational expression corresponding to a term of changed data and the relational expression corresponding to the desired term and obtains data corresponding to the desired term by using the called relational expression on the basis of the changed data called by the storage means and data which are other than changed data that are stored in the storage means. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an insurance contract system, an insurance contract method, and an insurance contract simulation program that perform insurance-related processing in an online manner, and in particular, executes related processing related to insurance products in accordance with the needs of policyholders or insured persons. The present invention relates to an insurance contract system, an insurance contract method, and an insurance contract simulation program.

  As a processing system for performing a procedure related to a conventional insurance contract, for example, Japanese Patent Application Laid-Open No. 2003-168002 discloses an insurance contract system capable of making a new contract, changing contract contents, etc. through a mobile terminal. This insurance contract system is composed of an insurance server and a mobile terminal that can communicate with the insurance server via a network, and the mobile terminal receives an insurance number assigned on the mobile terminal side via the network to the insurance server. Means for transmitting the contract details of the insurance related to the new contract, the contract change or the continuation contract, the normal reception notification notified from the insurance server and the transmitted contract details in association with each other in the memory of the mobile terminal Means for storing, and means for displaying the contract content stored in the memory on a display unit, and the insurance server returns a normal reception notification when the contract content is normally received from the mobile terminal; And means for recording the contract contents received normally.

  More specifically, the portable terminal has a software component including a user profile, insurance product information, a control program for controlling an insurance contract procedure procedure based on the insurance product information, and an insurance policy data storage unit. Insurance for new contracts, contract changes or continuing contracts based on information on insurance products selected by users, user input data, user profiles, insurance numbers generated by the control program and contents of insurance policy data storage A process of generating the contract content of the data and transmitting it to the insurance server via the network, and storing the normal receipt notification notified from the insurance server in association with the transmitted contract content in the insurance policy data storage unit When the insurance server receives the contract details from the mobile terminal normally, Means for returning the notification, and a means for recording the normally received contract content. In addition, the insurance product information includes information on at least one insurance product created for each individual user, and the insurance product information is a restriction that must be met when creating the contract details for that individual user. The conditions are included, and the control program checks according to the restriction conditions when creating the contract contents. Further, the control program is configured to inquire the insurance server via the network and update the insurance product information. In addition, the insurance server is configured to send the contents of insurance contracts related to new contracts, contract renewals or continuation contracts to designated transfer destinations.

  The insurance product information in this system includes information on all types of insurance products that can be used by the user. Information on one insurance product includes insurance name / insurance type, contract skeleton, restriction conditions, premium calculation formula, and the like. The insurance name / insurance type includes car insurance, travel insurance, life insurance, theft insurance, golf insurance, bicycle insurance, and the like. The contract contents skeleton lists all the items that should be described in the contract contents exchanged between the insurance company and the user. Of these, the fixed part such as the name of the insurance company and the insurance name / insurance type is actually The data is set, and variables are set for variable parts such as the insurer name, the insurance period, the contract date, and the guarantee amount. There are two types of variables: variables indicating user setting items to be determined and set by the user such as guaranteed amounts, and variables indicating items automatically set based on user profiles such as insurer names and addresses. is there. The restriction conditions are set in advance in consideration of the profile of the user, etc., for the contents of the contract that must be satisfied when the insurance is newly enrolled, continued, or changed. For example, in the case of life insurance in which the upper limit of the guaranteed amount of life insurance is 1 million yen for the age and occupation of the user, a limit condition of “guaranteed amount upper limit = 1 million yen” is set. The insurance fee calculation formula is a formula for calculating an insurance fee to be collected from the user based on the contract content set by the user.

JP 2001-350923 A

  In the conventional insurance contract system as described above, it is calculated based on the insurance amount per unit and the insurance premium table obtained from the insurance period defined at a certain interval, and the insurance premium is acquired from the input insurance money, Or, it was calculated based on the insurance amount per unit and the insurance amount table obtained from the insurance period determined at a certain interval, and the insurance amount was obtained from the input insurance premium.

  However, since the insurance premium table or the insurance money table used in such calculation is configured to be applicable only to a predetermined range of insurance periods, the insurance premium or There was a problem that the insurance amount could not be obtained, and only the insurance premium table or the insurance money table existed, so that the insurance period could not be obtained by entering the insurance premium or insurance money.

  In other words, in the conventional insurance contract system, the insurance period, insurance premium, and insurance amount can be adjusted according to the life cycle of the insured or the insurance subscriber in any period from the conclusion of the insurance contract to the expiration of the insurance period. There was a problem that it could not be changed.

  The present invention was made in view of the problems in the conventional insurance contract system described above, and concluded an insurance contract in accordance with the life cycle of the insured person or the insurance subscriber in accordance with the insurance period, insurance premium, and insurance amount. It is an object of the present invention to provide an insurance contract system, an insurance contract method, and an insurance contract simulation program that can be freely changed in an arbitrary period from when the insurance period expires.

  The above-described problems of the present invention include a display device that displays a plurality of items related to an insurance contract and corresponding data, a portable terminal that includes an input device that inputs data corresponding to the plurality of items displayed on the display device, and Storage means for storing various data and relational expressions, a specific item pre-associated with the desired item by selecting a desired item from a plurality of items related to the insurance contract displayed on the display device Data corresponding to an item is input from the input device and stored in the storage means, and a relational expression associated with the selected desired item is called from the storage means to correspond to the input specific item. Simulation means for obtaining data corresponding to the desired item using the called relational expression based on the data, the simulation means, When data corresponding to at least one of the specific items is changed by the input device in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period, the data is associated with the changed data item. Based on the relational expression and the relational expression associated with the desired item called from the storage means and based on the changed data and the data stored in the storage means other than the changed data, the called relational expression is used. This is achieved by an insurance contract system characterized by obtaining data corresponding to the desired item.

  The above-described problems of the present invention include a step of selecting a desired item from a plurality of items relating to an insurance contract, and a step of inputting data corresponding to a specific item previously associated with the selected desired item; , Storing the input data and the relational expression, calling a relational expression associated with the selected desired item from the stored relational expression, and based on the data corresponding to the input specific item A step of obtaining data corresponding to the desired item using the called relational expression, and corresponding to at least one of the specific items in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period Changing the data to be changed, calling the relational expression associated with the changed data item and the relational expression associated with the desired item, and changing the changed data And based on the data the stored other than the data mentioned above changes, it is achieved by the insurance contract method characterized by comprising the step of determining the data corresponding to the desired item by using the call relational expression.

  Further, the above-described problem of the present invention is that a computer inputs a procedure for selecting a desired item from a plurality of items related to an insurance contract and data corresponding to a specific item previously associated with the selected desired item. A procedure for storing the input data and the relational expression, and calling a relational expression associated with the selected desired item from the stored relational expressions to correspond to the input specific item. At least one of the specific items in a procedure for obtaining data corresponding to the desired item using the called relational expression based on data and any period from the conclusion of the insurance contract to the end of the insurance period A procedure for changing data corresponding to an item; a procedure for calling a relational expression associated with the item of the changed data and a relational expression associated with the desired item; This is achieved by an insurance contract simulation program for executing a procedure for obtaining data corresponding to the desired item using the called relational expression based on the changed data and the stored data other than the changed data. The

  According to the insurance contract system, insurance contract method, and insurance contract simulation program of the present invention, the insured person or the insurance subscriber determines the insurance period, insurance premium, and insurance amount from the conclusion of the insurance contract in accordance with the life cycle. It can be freely changed in an arbitrary period until the insurance period expires, and as a result, it is possible to provide a new insurance product that cannot be handled by the conventional insurance contract system.

  In the insurance contract system according to the present invention, when the simulation means obtains data corresponding to the desired item, the calculation unit that is the desired item among the plurality of items is obtained by the input device of the portable terminal. Select and call the relational expression associated with the selected calculation section from the storage device in which the plurality of relational expressions are stored, and to each item of the specific item previously associated with the selected calculation section Corresponding data is input from the input device or called from the storage device and input, the calculation category selected by the input device is determined, the data corresponding to the input items is determined, When it is determined that the calculation category and the data are appropriately input, based on the input data, the called relational expression is used. A calculation engine means configured to execute each processing step for obtaining data corresponding to the item of the selected calculation category, wherein the calculation engine means selects the selected number of months in the month since the insurance contract is concluded. You may comprise so that the data corresponding to a calculation division may be calculated | required.

  In the insurance contract system of the present invention, the simulation means stores parameters set in the calculation engine means in each change in the storage device, and sets parameters necessary for calculation in the calculation engine in accordance with each change reason. In order to execute the calculation process in the case of performing multiple transfers from the conclusion of the insurance contract to the expiration of the insurance period, in conjunction with the calculation engine means, from the conclusion of the insurance contract to the end of the insurance period When at least one of the data corresponding to each item of the plurality of items is changed during an arbitrary period up to, an input representing a parameter necessary for calculation by the calculation engine means at the time of change is obtained. Output data is stored in the storage device, and a history of calculation results of the data in a plurality of changes is stored. And simulation control means may be further provided with a configuration of.

  In the insurance contract system of the present invention, when the simulation means performs a simulation related to the insurance contract using the calculation engine means and the simulation control means, an input screen for displaying input data of the simulation related to the insurance contract; You may comprise further the simulation display control means comprised so that the result display screen which displays the result of a simulation may be displayed as a screen of the said display apparatus.

  In the insurance contract system according to the present invention, the input device includes an insurance premium, a voluntary insurance premium, an insurance amount, an insurance period, a payment period, a reserve, and a number of years since the conclusion of the contract among the plurality of items related to the insurance contract. May be input as the data.

  The insurance contract system according to the present invention further includes a swing managing means for executing data linkage between data corresponding to the desired item obtained by the simulation means and other data by applying an optimal swing function. May be configured.

  In the insurance contract system according to the present invention, the swing managing means includes: (a) an auto swing function for automatically swinging when the balance is not transferred; (b) a function for releasing the reserve when the claim is stopped and applying it to the insurance premium; c) A part of the charged amount may be further provided with a partial swing function in which a part of the reserve is withdrawn, the remaining part is charged, and both are combined and applied to the insurance premium.

  In the insurance contract system of the present invention, the auto swing function of the swing managing means determines whether the insurance premium can be transferred by reversing from the reserve when there is no payment by the expiration date of the grace period. It is configured to execute a process of obtaining payment data of universal life insurance and designated contract when it is determined that the insurance premium can be transferred based on the obtained result obtained by the simulation calculation means. May be.

  In the insurance contract system according to the present invention, the partial swing function of the swing managing means charges only a part of the insurance premium transfer amount and withdraws the remainder of the insurance premium transfer amount from the reserve fund, and adds the sum In the case of performing the transfer at, it may be configured to execute a process of delivering the payment data divided for each designated contract linked to the universal life insurance after executing the amount comparison of the total transfer amount.

  In the insurance contract system of the present invention, the function of reversing the reserve when the claim is stopped by the swing managing means and applying it to the insurance premium is made by stopping the claim and canceling the entire amount from the reserve. In this case, it may be configured to execute a process of transferring payment data divided for each designated contract associated with the universal life insurance.

  In the insurance contract system according to the present invention, when a withdrawal occurs from the reserve money, the swing managing means calls (d) a simulation calculation means to obtain a security content after the withdrawal, and obtains the obtained result. A function of working on the master 15 of the swing managing means; (e) a function of passing a withdrawal amount from the reserve; and (f) a function of notifying a customer with reference to the swing managing means. Also good.

  In the insurance contract method of the present invention, when obtaining data corresponding to the desired item, a step of selecting a calculation category that is the desired item from among the plurality of items, and a correspondence with the selected calculation category Calling the plurality of relational expressions, inputting or calling and inputting data corresponding to each item of a specific item previously associated with the selected calculation category, and selecting the selected relational expression. Determining the calculation classification, determining the data corresponding to each of the input items, and determining that the calculation classification and the data are appropriately input; And executing each processing step for obtaining data corresponding to the item of the selected calculation category using the called relational expression, and has elapsed since the conclusion of the insurance contract It may be configured to obtain the data corresponding to the selected calculation classified in the month number.

  In the insurance contract method of the present invention, there are a step of storing the set parameters in each change, a step of setting parameters necessary for calculation according to each change reason, and a plurality of steps from the conclusion of the insurance contract to the expiration of the insurance period. At least one of the data corresponding to each item of the plurality of items in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period in order to execute the arithmetic processing in the case where the change is executed once. A step of storing input / output data representing parameters required for calculation at the time of the change when one data is changed, and a step of storing a history of calculation results of the data in a plurality of changes You may comprise.

  In the insurance contract method of the present invention, when a simulation related to the insurance contract is performed, a step of displaying input data of the simulation related to the insurance contract on an input screen, and a step of displaying a result of the simulation on a result display screen are further included. You may comprise so that it may comprise.

  In the insurance contract method of the present invention, the plurality of items related to the insurance contract may be constituted by an insurance premium, a voluntary insurance premium, an insurance amount, an insurance period, a payment period, a reserve, and the number of years elapsed since the conclusion of the contract.

  The insurance contract method of the present invention further comprises a swing managing stage for executing data linkage between data corresponding to the desired item obtained and other data by applying an optimal swing function. May be.

  In the insurance contract method according to the present invention, the swing managing step includes (a) a step of executing an auto swing when the balance is not transferred; (b) a step of releasing the reserve when the claim is stopped and applying it to the insurance premium; and ( c) A part of the amount to be charged may be further provided with a stage in which a part of the reserve is withdrawn, the remaining part is charged, and a partial swing is performed in which both are combined and applied to the insurance premium.

  In the insurance contract method of the present invention, the step of executing the auto swing determines whether it is possible to withdraw from the reserve money and transfer the insurance premium when there is no payment by the expiration date of the grace period, When it is determined that the fee can be transferred, a process of passing the universal life insurance and deposit data of the designated contract may be executed.

  In the insurance contract method according to the present invention, in the step of executing the partial swing, only a part of the premium transfer amount is charged and the remainder of the premium transfer amount is withdrawn from the reserve, and the transfer is performed with the total amount. In such a case, it may be configured to execute a process of delivering the payment data divided for each designated contract associated with the universal life insurance after executing the amount verification of the total transfer amount.

  In the insurance contract method of the present invention, the step of reversing the reserve when the claim is stopped and applying it to the insurance premium is performed when the insurance premium is stopped and the entire amount is transferred from the reserve and transferred. You may comprise so that the process which passes the payment data divided | segmented for every designated contract linked | related with insurance may be performed.

  In the insurance contract method of the present invention, the swing managing stage includes (d) a step of determining the security contents after the withdrawal and working on the obtained result when the withdrawal occurs from the reserve; (e) the reserve (F) A step of notifying the customer with reference to the swing managing step may be further provided.

  In the insurance contract simulation program of the present invention, when obtaining data corresponding to the desired item in a computer, a procedure for selecting a calculation category that is the desired item among the plurality of items, and the selected calculation A procedure for calling a plurality of relational expressions, and a procedure for inputting or calling and inputting data corresponding to each item of a specific item previously associated with the selected calculation category. And a procedure for determining the selected calculation category, a procedure for determining data corresponding to each of the input items, and when it is determined that the calculation category and the data are appropriately input, Based on the input data, each processing step for obtaining data corresponding to the selected calculation category item is executed using the called relational expression. Procedure is executed and may be configured to obtain the data corresponding to the selected calculated divided in number of months that have passed from the fastening of the insurance contract.

  In the insurance contract simulation program of the present invention, the procedure for storing the set parameters in each change in the computer, the procedure for setting the parameters necessary for the calculation according to each change reason, and the insurance contract from the conclusion of the insurance contract Data corresponding to each item of the plurality of items in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period in order to execute a calculation process when multiple transfers are executed until the expiration of the period A procedure for storing input / output data representing parameters required for calculation at the time of change when at least one data is changed, and a procedure for storing a history of calculation results of the data in a plurality of changes, May be configured to be executed.

  In the insurance contract simulation program of the present invention, when the simulation related to the insurance contract is performed on the computer, the procedure for displaying the input data of the simulation related to the insurance contract on the input screen and the result of the simulation are displayed on the result display screen. You may comprise so that the procedure to perform may be performed.

Hereinafter, exemplary embodiments of an insurance contract system, an insurance contract method, and an insurance contract simulation program according to the present invention will be described in detail with reference to the accompanying drawings.
FIG. 1 is a schematic diagram showing a configuration of an embodiment of an insurance contract system according to the present invention.
An insurance contract system 10 shown in FIG. 1 is connected to an input device INP configured to input various data, the control device 11 that controls data input from the input device INP, and the control device 11. Is connected to the portable terminal PTD having the display device 13 for displaying the data input from the input device INP based on the control of the control device 11, and the input device INP in conjunction with the control device 11 of the portable terminal PTD. By specifying any five variables among six variables consisting of insurance premiums, voluntary premiums, insurance amount, insurance period (payment period), reserves, and years elapsed since contract conclusion, Variables other than the number of years that have passed and variables other than the specified variables, ie, insurance premiums, voluntary premiums, insurance amount, insurance period (payment period), reserve funds The calculation engine CE configured to be able to determine the insurance money, the insurance premium, and the optional insurance premium in any period from the conclusion of the insurance contract to the end of the insurance period in conjunction with the calculation engine CE When at least one of the five variables including the insurance period (payment period) and the reserve is changed, input / output values (details will be described later) that are input / output data at the time of the change are stored in the storage device 12. The simulation control program SCP, which is a simulation control means configured to be able to store and store the history of the calculation results of the variables in a plurality of changes in the storage device 12, and in conjunction with the simulation control program SCP, A system that operates on the terminal PTD and is configured to display an information input screen and a result display screen on the display device 13 of the portable terminal PTD. Is composed of a simulation program SP is Interview configuration display controller.
In one embodiment, the simulation means of the present invention constitutes a simulation device 14 by a combination of the calculation engine CE, the simulation control program SCP, and the simulation program SP.
As another embodiment, the simulation means of the present invention may constitute the simulation device 14 by a combination of the calculation engine CE and the simulation control program SCP.
In the following embodiment, it is assumed that the simulation apparatus 14 is configured by a combination of a calculation engine CE, a simulation control program SCP, and a simulation program SP.

  Furthermore, the insurance contract system 10 of the present invention is externally provided with a swing manager SM which is an embodiment of a swing managing means linked to the portable terminal PTD and having various swing functions (details will be described later). Is provided.

Hereinafter, each component described above will be described in detail.
The calculation engine CE for universal life (hereinafter abbreviated as UL) constituting the insurance contract system 10 of the present invention includes an insurance premium, a voluntary insurance premium, an insurance amount, an insurance period (payment period), and a reserve. It is configured so that variables other than the elapsed years can be determined by determining the numerical value of any 5 of the 6 variables consisting of the number of years since the conclusion of the contract (actually the number of months). ing.
It is assumed that the gender of the insured person or the contractor necessary for obtaining the variable and the age at the time of the contract are input in advance from the input device INP of the insurance contract system 10 and set in the calculation engine CE.
In the present embodiment, the calculation engine CE is realized in the form of a program, but the calculation engine CE according to the present invention is not limited thereto. Hereinafter, the calculation engine CE realized in the form of a program will be described.
Table 1 shows input / output data of the calculation engine CE.

FIG. 2 shows a schematic flow of processing by the calculation engine CE.
When obtaining a variable corresponding to a desired item using the calculation engine CE, first, a desired item (hereinafter referred to as a calculation category) among a plurality of items of input 1 by the input device INP of the portable terminal PTD, For example, “insurance” is selected (step S1), and a relational expression (see Table 2) associated with the selected calculation category “insurance” is called from the storage device 12 in which a plurality of relational expressions are stored. (Step S2).

  Described in input 2 which is a “parameter” necessary for obtaining data corresponding to a specific item previously associated with the selected calculation category “insurance”, ie, data corresponding to the calculation category “insurance” in input 1 Input data corresponding to each item of “Insurance premium”, “Optional insurance premium”, “Insurance period (payment period)”, “Reserve” and “Months since contract conclusion” from the input device INP Or call from the storage device 12 and input (step S3).

  In the calculation engine CE, the determination unit determines the “calculation category” of the input 1 selected by the input device INP of the portable terminal PTD (step S4), and also determines the data corresponding to each input item of the input 2 (Step S5). When the determination unit of the calculation engine CE determines that each of these data has been appropriately input (step S6), the selected calculation is performed using the relational expression called in step S2 based on the input data. Data corresponding to the category item “insurance money” is obtained (step S7).

  From the result obtained in step S7, the insurance period (payment period) is obtained again using the relational expression associated with item 5 of the calculation category in Table 2 (step S8), and the result obtained in step S8. Using the relational expression associated with item 2 of the calculation category in Table 2, the level premium is calculated (step S9), and the results obtained in step S9 correspond to items 7 and 8 of the calculation category in Table 2. Using the attached relational expression, a cash surrender value up to the expiration of the insurance period is obtained (step S10), and the process is terminated.

  Similarly, if the “calculation category” shown in input 1 is “insurance premium”, the “parameters” shown in input 2 are “insurance money”, “optional insurance premium”, “insurance period (payment period)” ”,“ Reserve ”, and“ Number of Months since Contract Conclusion ”. By inputting these data to the calculation engine CE, “insurance premium”, “level insurance premium”, and “cancellation refund” can be obtained. Further, if the “calculation category” shown in input 1 is “insurance period (payment period)”, the “parameters” shown in input 2 are “insurance money”, “optional insurance premium”, “insurance premium”, “ This is data corresponding to each item of “reserved money” and “number of months since the conclusion of the contract”. By inputting these data into the calculation engine CE, it is possible to obtain “insurance period (payment period),“ level insurance premium ”, and“ cancellation refund ”. Further, if the “calculation category” shown in input 1 is “optional insurance premium”, the “parameter” shown in input 2 is “insurance”, “insurance”, “reserve”, and “from contract conclusion”. Data corresponding to each item of “number of months”. By inputting these data to the calculation engine CE, it is possible to obtain “voluntary premium”, “level premium”, and “cancellation refund”.

Next, a usage example of the calculation engine CE will be described.
Case 1: Seeking insurance

上記表３に示した契約締結時における設定に対して、保険料を５年後に１万円とした場合の保険金を求める。
５年後の積立金を５万円と仮定した場合、計算エンジンＣＥには、以下の表４に示すようなパラメータが設定される。

The insurance money is calculated when the insurance premium is set at 10,000 yen after five years against the settings at the conclusion of the contract shown in Table 3 above.
Assuming that the reserve after 5 years is 50,000 yen, parameters as shown in Table 4 below are set in the calculation engine CE.

As the calculation result of the calculation engine CE, when the insurance premium is changed based on the above conditions, a predetermined calculation process is executed using the relational expression shown in the item 1 of the calculation category in Table 2. As a result, insurance money at the time of insurance premium change = 24,347,000 yen.

Case 2: Finding the insurance period When the insurance premium is changed to 10,000 yen under the same conditions as in Case 1 and the insurance period after the change is obtained, the calculation engine CE has the following table 5 The parameter is set.

計算エンジンＣＥの演算結果として、保険料変更後の保険期間＝４６年（払込期間＝４６年）となる。

As a calculation result of the calculation engine CE, the insurance period after insurance premium change = 46 years (payment period = 46 years).

  The calculation engine CE described above obtains data corresponding to a desired item in the number of months (including the month of month) that has elapsed since the conclusion of the contract, that is, the value of the variable corresponding to the selected calculation category. That is, the calculation engine CE is configured to execute only arithmetic processing at a certain moment, specifically, t year θ month (t = year number, any one of θ = 1 to 12). Therefore, in order to execute a calculation process when a plurality of transfers are executed from the conclusion of the contract to the expiration of the insurance period, the parameters set in the calculation engine CE in each transfer are stored in the storage device 12, and It is required to set parameters necessary for calculation in the calculation engine CE in accordance with the reason for the change.

  Therefore, the insurance contract system 10 shown in FIG. 1 is linked to the calculation engine CE, and in any period from the conclusion of the insurance contract to the end of the insurance period, the insurance money, insurance premium, optional insurance premium, insurance period ( (Payment period), when at least one of the variables corresponding to each item of the reserve is changed, the input / output value at the time of the change is stored in the storage device 12 and the variable is calculated in a plurality of changes A simulation control program SCP configured to be able to store a history of results is provided. Here, the input / output values represent parameters necessary for calculation in the calculation engine CE and calculation in the simulation control program SCP.

The insurance contract system 10 shown in FIG. 1 performs a UL simulation using the calculation engine CE and the simulation control program SCP described above, and a simulation configured to display the result of the UL simulation on the screen of the display device 13. A program SP is further provided.
The simulation program SP runs on a mobile terminal PTD, for example, a sales support tool such as a sales support system ALEX, and a simulation information input screen (hereinafter referred to as an input screen) and a simulation result display screen (hereinafter referred to as a result display screen). Is displayed on the display unit of the sales support tool (display device 13 of the portable terminal PTD). The simulation program SP also has a printing function for printing out necessary output from a printer (not shown) linked to the portable terminal PTD.

Table 6 shows the input / output relationship of the simulation program SP.

  Items corresponding to input 2, input 3, and output shown in Table 6 correspond to input / output items of the calculation engine CE shown in Table 1, respectively. A specific example of input 1 in Table 6 will be described later.

  For example, as shown in Table 6, “reserved money” from “a certain point in time” to “current point in time” is calculated based on the previous calculation result of “reserved money” and the number of months elapsed from the previous time to this time. Based on the calculation engine CE and the simulation control program SCP, the calculation process is automatically set.

Specifically, if we consider the first change to be May 0 and the elapsed time that this change is about to be March 5th, “at some point” = May 0, It is the 3rd year of March.
Since the calculation engine CE performs the calculation based on the “funded fund” of t year θ month (here, t = year number, any number of θ = 1 to 12), the calculation engine 5 “Increase in reserves” up to March of the year must be taken into account.
The simulation program SP obtains the “reserve” at the end of the current month from the “reserve” at the end of the previous month, using the relational expression associated with the calculation category item 7 = reserve. Here, we calculate one month from the “reserve” in May 0 (the end of May), and finally the “reserve” until the end of the fifth month (the end of March), the target transfer month. Obtained as follows: (1) From the reserve in May 0, the reserve at the end of June 0 is obtained by the calculation engine CE using the relational expression associated with the item 7 of the calculation category; (2) From the reserve in June 0, the reserve at the end of July 0 is obtained by the calculation engine CE using the relational expression associated with the item 7 of the calculation category; (N) From the reserve in February 2005, the reserve at the end of March 5 is obtained by the calculation engine CE using the calculation formula associated with the item 7 of the calculation category.
As described above, the simulation control program SCP holds elapsed month information at both a certain point in time (May 0) and the time point at which the simulation is to be performed (March 5 year). With the time as “initial value”, the “reserve” at the time when the simulation of the current change is to be performed is automatically calculated in steps 1 to n.

Thus, the simulation control program SCP is
(1) “Parameter set for the calculation engine CE” according to the “change reason”
The simulation control program SCP automatically sets the parameters for the calculation engine CE according to the “change reason” and “target calculation category”;
(2) "Calling calculation engine CE"
Calling the UL calculation function Calc_UL (the DLL of the calculation engine CE) on the calculation engine CE side in the DLL of the simulation control program SCP; and (3) “Storing the calculation results of a plurality of times”
The simulation program SP holds the structure as many times as the number of changes,
It is comprised so that each process of may be performed.

  Specifically, in the above “parameter set for calculation engine CE”, for example, item 1 = “insurance change” and “input change 2” shown in table 6 as “reason for change” shown in input 1 of table 6 If item 1 = “insurance period (payment period)” is selected as the calculated “calculation category”, the simulation control program SCP is necessary to obtain the item “insurance term” of the selected calculation category. The parameter is set to the parameter for the calculation engine CE, and in the above-mentioned “calling the calculation engine CE”, the UL operation function Calc_UL (the DLL of the calculation engine CE) on the calculation engine CE side is called inside the DLL of the simulation control program SCP, Then, in the above-mentioned “storage of a plurality of operation results”, the simulation program SP is equivalent to the structure ( In the embodiment holds five) (with respect to the parameters used in the simulation control program SCP, see below for CalcUL_Suuri).

As the above “reason for change”, for example, when the UL insurance premium is changed, the value to be obtained is the insurance period (payment period). Considering these as parameters of the simulation program SP and the calculation engine CE,
Simulation program SP: Change classification = 1
Calculation engine CE: Calculation division = 1
(Specifically, for parameters used in the simulation control program SCP, refer to CalcUL_Suri, which will be described later, and for parameters used in the calculation engine CE, refer to Universal Life (universal life) calculation, which will be described later.) )

FIG. 3 is a schematic flowchart of the process of the simulation control program SCP.
First, the item “reason for change” of input 1 is selected (step S101), the item of “calculation category” of input 2 is selected (step S102), and the item is associated with “calculation category of input 2”. Data corresponding to each item is input (step S103). The simulation control program SCP automatically sets parameters necessary for the calculation engine CE when “reason for change” is set in step S101 and “calculation category” is set in step S102. That is, step S103 is automatically executed by the simulation control program SCP from the information of step S101 and step S102. (However, when the calculation engine CE is used alone, the step corresponding to step S103 must be performed manually.)
Based on the selected items of input 1 and input 2 and the input data of input 3, the “reserve” from the previous change to the current change is obtained (step S104). In step 104, the simulation control program SCP automatically obtains a reserve at the time of the current change from the parameters (and calculation results) of the previous change stored in the simulation control program SCP. The calculation engine CE calculates based on the set reserve to the last, and the simulation control program SCP on the setting side calculates and sets how much the reserve at a certain transfer time is. There is a need to. Since the relational expression associated with the calculation category item 7 of the calculation engine CE only calculates the reserve at the end of the current month from the reserve at the end of the previous month, it is associated with the calculation category item 7 of the calculation engine CE from the outside. It is necessary to calculate monthly by using the relational expression.
Based on the “change cause” selected in step S101, an appropriate parameter is set in the calculation engine CE (step S105), the calculation engine CE is called (step S106), and the calculation result by the calculation engine CE is used for the current transfer. The data is stored in the memory area of the storage device 12 (step S107), and the process ends. The simulation control program SCP also stores the calculation result from the parameter automatic set to the calculation engine CE in steps S105 to S107.

  Specifically, in the above step S104, for example, if the previous change = t year θ month reserve = AV1 and the current change = t′year θ ′ month reserve = AV2, then AV2 Based on the relational expression associated with item 7 = “Reserve”, the reserve for AVY1 = t1 θ after one month is calculated from AV1, and the calculation of Table 2 is calculated from this AV1 ′. Based on the relational expression associated with the category item 7 = “reserve”, the reserve for t year θ + February one month later is further obtained so that the reserve is sequentially obtained, and finally t ′ year θ ′. Find the reserve at the end of the month = AV2. In step S105, the simulation control program SCP automatically sets parameters for the calculation engine CE according to the “reason for change” and “target calculation category”. In step S106, the UL operation function Calc_UL (the DLL of the calculation engine CE) on the calculation engine CE side is called inside the DLL of the simulation control program SCP.

Hereinafter, the flow of processing of the simulation control program SCP when “charge stop” is selected as the “reason for change” will be specifically described.
Example) The following is the flow of SCP processing when billing is stopped.
STEP (1); Call the main function (Table 7) of the simulation control program SCP.
STEP (2); “Change Reason” is “Billing Stop”, so the corresponding function (Table 8) is automatically called in the simulation control program SCP based on the set “Change Reason”. .

  Here, as a specific example of the simulation process, the settings shown in Table 9, that is,

  Table 10 shows an example of an input screen on the display device 13 of the portable terminal PTD at the time of contract.

As shown in Table 11, when the insurance period is calculated by setting the insurance premium to 15,000 yen (periodic payment) as the reason for the change at the age of 45 for the first time as shown in Table 11, the insurance premium is 15,000 yen. 86 years old.

  Furthermore, as shown in Table 12, when the billing is stopped at the age of 50 for the second time, the insurance period is 69 years.

Here, the contents of the process in the second simulation will be described.
As a result of the first change, the parameters are set as described below.
In the present embodiment, it is assumed that five calculation engine CE structures are stored in the ulSurData structure used by the simulation program SP. This limitation of five times is an example, and the number of times can be expanded. See Table 13.

Further, the calculation engine CE data is configured as follows.
Table 14 relates to iIdoujiULData [1], that is, the first change.

Next, in order to obtain the insurance period for the second transfer, it is necessary to first obtain the reserve at the age of 50, that is, 10 years later, based on the reserve at the first elapsed time (at the age of 45). is there.
1. AV calculation 1st time = AV at the age of 45 = 1,518,054 yen, using item 7 of the calculation category in Table 2 and calculating 50 months = 10 years, AV = 2,182 599 yen.
2. Insurance premium The insurance fee (P) was 15,000 yen in the first transfer, but the claim was stopped in the second transfer, that is, the insurance premium was 0 yen.
3. Insurance money Insurance money = 10 million yen because there is no change. Optional insurance premiums Since there is no change, optional insurance premiums are 0 yen. Calculation category Since the insurance period is calculated even when the claim is suspended, the calculation category item = 5
6). Elapsed year The first time was 60 months = 5 years, but the second time was 120 months = 10 years. Age and gender, etc. No change, so the same as the first

  Table 15 shows the parameters passed to the calculation engine CE during the second calculation. However, at this time, the parameter is not written in the data for the calculation engine CE in the structure for the simulation program SP, but instead, a temporary area is used.

  When the calculation of 2 (level P) and 7 (CV) is executed using the relational expression associated with the item 5 of the calculation category in Table 2, the calculation result as shown in Table 16 is obtained.

  When the calculation result as shown in Table 16 is obtained, the calculation result is set in the calculation engine CE storage structure iIdoujiULData [2] on the simulation program SP. Since the calculation result obtained now is the second time, the index in [] is 2.

Here, the process for obtaining the calculation result will be described.
The basis of all operations is a numerical value called RADIX, and RADIX C, D, M, and N exist. These numbers RADIX C, D, M, and N represent values derived from mortality and survival at a certain age. These numerical values RADIX C, D, M, and N are obtained in advance prior to all calculations, and are stored and held in the storage device 12.
The calculation of RADIX is performed according to the relational expression for each month based on the number of survivors at the age of 0, as shown in detail in “Relational expression for reserve fund” described later (“UL (Refer to “Relational expression for AV calculation (RADIX fixed)”).

  C, D, M, and N appearing in “Relational expression of each numerical value at the time of content change” and “Relational expression of UL AV calculation (RADIX fixed)” described later are numerical values obtained by the above RADIX calculation. use. For example, the premium relationship is defined as follows:

  (1) Calculation of periodic payment premium P when n ', m', S ', P_add (t + θ / 12) is determined

但し、V(t+θ/12)＋P_add(t+θ/12)×(1-γ)≧S'×Vpaidup(t+θ/12)の場合には、演算不可である。

However, when V (t + θ / 12) + P_add (t + θ / 12) × (1−γ) ≧ S ′ × Vpaidup (t + θ / 12), calculation is impossible.

here,
V (t + θ / 12): Reserve fund at the end of θ in year t
P_add (t + θ / 12): t year θ + 1 = voluntary insurance premiums to be introduced in the following month
n ': insurance period from the conclusion of the contract
m ': Scheduled payment period for insurance premiums from the conclusion of the contract
(However, m ′ = n ′ unless n ′ is a lifetime),
S ': Basic insurance amount after content change,
M, N, Nk, D: RADIX,
γ, β: constant,
MAX [A, B]: The larger of AB,
Respectively.

  Other calculations are also performed using a relational expression for obtaining a desired value from RADIX and premiums, insurance claims, reserves, and voluntary insurance premiums at a certain point in time (as described later). (Refer to “Relationship between numerical values when changing contents”).

  The input screen of the display device 13 is configured to display data corresponding to the “change reason” and the “input 3” items shown in Table 6 in the simulation control program SCP selected and input by the input device INP, respectively. Has been. In addition, the input screen displays the first, second, ..., nth (however, n times) so that the results of multiple transfer operations can be displayed in any period from the conclusion of the contract to the expiration of the insurance period. = Positive integer) is input from the input device INP and displayed. After the input to the input screen from the input device INP is completed, the calculation engine CE is called via the simulation control program SCP by starting a command for executing the calculation from the input screen, and the necessary calculation is executed. Is done.

The result display screen of the display device 13 is configured to display the result every time the process in the transfer is executed. Display items of the result display screen include “insurance premium”, “insurance premium accumulation”, “ Information such as “insurance amount”, “cancellation refund”, and the like are displayed, and calculation results for each change can also be displayed at the same time. That is, the calculation result in each transfer is obtained by the calculation engine CE through the simulation program SP, and is configured to be held in the simulation program SP, for example, a data storage unit (not shown) of the simulation program SP. Yes.
The printing function of the simulation program SP is a function capable of printing the image and data displayed on the result display screen of the display device 13 as they are.

  Next, a usage example of the simulation program SP will be described.

と想定して、５年目と１０年目に異動を行うものとする。

Assuming that, changes will be made in the 5th and 10th years.

Case 1: First transfer (5th year after signing the contract)
Assume that the first transfer will occur in five years. At this time, through the input screen of the display device 13 of the portable terminal PTD, “Insurance change” is selected as “Change reason” of the input 1 of the simulation control program SCP, and parameters as shown in Table 18 are set in the simulation control program SCP. Set:

  * The reserve (the reserve at the time of transfer) is determined by the simulation control program SCP based on the number of months that have been input and displayed on the input screen of the display device 13 from the input device INP, and the calculated result is It is automatically set in the calculation engine CE.

  The parameter setting (parameter set) is executed based on data input from the input device INP and displayed on the input screen of the display device 13.

Case 2: Second transfer (10th year after signing the contract)
Based on the results of the first transfer, it is assumed that the second transfer is performed 10 years after the contract is concluded (5 years after the first transfer). In the second change, “charge stop” is selected as the “change reason” of the input 1 of the simulation control program SCP, and parameters as shown in Table 19 are set in the simulation control program SCP, respectively:

※１：シミュレーション入力画面より、請求停止を選択した場合、保険料＝０円が自動セットされる。
※２：積立金は、１回目の異動（５年目）の演算結果から、２回目の異動時（１０年目）まで、シミュレーション制御プログラムＳＣＰにより自動的に求められかつ自動的に設定される。

* 1: Insurance charge = 0 yen is automatically set when billing is stopped from the simulation input screen.
* 2: The reserve is automatically determined and automatically set by the simulation control program SCP from the calculation result of the first change (5th year) to the second change (10th year). .

Next, the swing manager SM according to the present invention will be described in detail.
First, the swing manager SM according to the present invention has the following functions:
(I) A function for managing UL's main policy premiums and voluntary premiums and passing monthly data to the insurance policy system 10 (see FIG. 1);
(II) A function for managing the insurance period, payment period, and surrender value, which are calculation results of the calculation engine CE, and making it available for online inquiry and customer notification;
(III) Swing function as shown below,
(1) Auto swing function that automatically swings when no swing is made;
(2) A function to withdraw premiums and apply to insurance premiums when claims are suspended;
(3) A partial swing function in which a portion of the amount charged is withdrawn from the reserve, the remaining portion is charged, and both are combined and applied to insurance premiums;
(IV) Swing function including managing the linked information between the designated contract and UL, including summation request, deposit distribution, designated contract;
(V) A function for obtaining a swing bonus. Here, the swing bonus refers to the UL reserve fund in the month following the contract response date of each year, with 1% of the designated contract premium for the previous year and 2000 yen as the special reserve, whichever is smaller. This is a system for calculating the amount of money based on the insurance premium of the designated contract managed by the swing manager SM. And (VI) A function for managing level premiums and designated contracts and providing them for results and commission calculations.

Next, features of the swing manager SM of the present invention will be described.
(A) Management information of swing manager SM A1. UL Security Information Management UL can freely set up security details at any time, regardless of new contracts or maintenance reviews, according to customer needs. In conventional insurance products, customers have only the option of having their customers (insured and contractor) join a plan prepared by an insurance company and either expire or switch to another plan. However, it is possible to change the insurance contents at any time by changing the insurance premium, insurance money, and insurance period at any time.
However, in the management by the conventional insurance contract system, the “insurance period” is determined at the time of joining the new policy, and it cannot be flexibly changed. However, in the insurance contract system according to the present invention, Each time “design, change”, the security information calculated by the calculation engine CE is taken into the swing manager SM, and data is linked by referring to the data of the swing manager SM when performing online inquiry and customer notification. It is configured to be able to.
Here, the UL security information represents information including a main contract premium, an insurance period, a payment period, a future surrender value, and the like.

A2. Management of UL Insurance Premium Information In UL, customers can pay insurance premiums only when they like. There are two types of paid premiums: periodic premiums and voluntary premiums. Further, when the reserve money exceeds a certain amount, it is possible to transfer from the reserve money by setting “payment stop” (swing function).
Here, the UL premium information includes information including the amount of premium paid, payment frequency (month, half year, year), optional premium receipt information (payment date, amount), whether or not the claim is suspended Represent.
When the UL insurance premium information is changed, the contents of the insurance change. Therefore, the security details are recalculated by the calculation engine CE, and the result is taken into the security information.
The management information on the main contract premium is extracted as the input file of the insurance contract system 10 by extracting data for the next month at the end of every month.

A3. Management of Designated Contract Information UL contractors can enjoy the benefits of special reserve funds and swing functions, including designated contracts, by applying other contracts of the contractors themselves as UL designated contracts.
The master 15 of the swing manager SM manages linked information between the UL contract and the designated contract. When the UL or designated contract is canceled or expires, the special contract automatically disappears. Therefore, the transfer information of each contract is taken from the insurance contract system 10 every day and the designated contract information is updated.
Here, the designated contract information represents information including a UL contract number, a designated contract number, an application start date, an application end date, and the like.

(B) Swing manager SM business-specific development functions B1. New contract Design contents are input from a portable terminal PTD (sales support system ALEX), and the security contents at the time of contract are calculated and determined using the calculation engine CE.
The security information of the new contract is taken into the swing manager SM from the portable terminal PTD via the new contract workflow. Here, the new contract workflow means that the new contract application data from the mobile terminal PTD is imported via the line, then the application documents are scanned and the subscription limit is checked. This is a processing procedure for going to write and registering the contract information in the insurance contract system 10 and the swing manager SM.
The insurance policy and customer notification are made from the insurance contract system 10 by referring to the data of the main contract premium of the swing manager SM, the insurance period, the paying institution, and the future surrender value.
Information on the first-time insurance premium is taken from the insurance contract system 10 into the insurance contract system 10 with reference to the data of the swing manager SM. The insurance contract system 10 grasps the input amount of the insurance premium by looking at the swing manager SM.
In conventional insurance products, a plan that was subdivided for each insurance period was assigned at the time of the new contract, but in the UL, the insurance period is changed as needed (the insurance period expands and contracts whenever a maintenance transfer is made). On the insurance contract system 10, it is managed as one fixed plan. That is, the insurance contract system 10 manages contracts by assigning different plan codes for each insurance period. However, in the UL, each time the insurance period is changed, the plan code is not changed, and the management is performed with one plan code (life insurance for convenience).

B2. Maintenance Instructions for increasing, decreasing, withdrawing insurance, entering optional insurance premiums, changing designated insurance premiums, and stopping claims are displayed through the swing manager SM. Done.
Although the details of the security change with the change, the insurance period after the change is obtained using the calculation engine CE, and the result (the obtained insurance period) is taken into the swing manager SM.
The contract content change notification is made with reference to the data on the main contract premium, insurance period, payment period, and future surrender return amount managed by the swing manager SM.

B3. Billing Conventionally, billing has been performed directly from the contract management system to the billing system (a system for transferring insurance premium transfer request data from a contractor's account to a financial institution). For the designated contract, the billing data is once passed to the swing manager SM and replaced with the customer-designated billing contents by the swing manager SM, and then billed. -Manager SM stops billing and does not pass data to billing system; (b) During a partial swing, the billing system is deducted from the amount charged, and (c) billing is performed. Passes to the billing system as a single piece of data that combines the UL and billing for the designated contract.
Conventionally, processing is performed in the order of contract management system → billing file → billing system, but in the present invention, processing is executed in order of contract management system → billing file → swing manager SM → billing file → billing system. . In other words, in the present invention, the swing manager SM is interposed in the billing and depositing processes, so that (1) billing flexibility: to a normal account without requiring many modifications to the existing system. , Partial swing, billing stop, (2) automatic swing when the swing is not transferred, and (3) UL functions that provide the above functions for specified contracts can also be realized.

B4. Depositing and Swing Function Conventionally, depositing has been performed by directly transferring data from the depositing system to the contract management system. However, in the present invention, for UL and designated contracts, the depositing data is once passed to the swing manager SM, and the swing is performed. The manager SM is configured to distribute the deposit to the insurance contract system 10 by separating the deposit for each UL and the designated contract designated by the customer:
(I) If there is no payment before the expiration date of the grace period, the calculation engine CE simulates whether the insurance premium can be transferred from the reserve, and the transfer is made by the swing manager SM based on the result of the simulation. If it is determined that the transfer is possible, the swing manager SM passes the UL and the specified contract payment data to the contract management system (auto swing);
(Ii) If the deposit is made as usual, the deposit data divided for each designated contract associated with the UL is transferred from the swing manager SM to the insurance contract system 10;
(Iii) If only a part of the insurance premium transfer amount is charged and the remainder is withdrawn from the reserve and the transfer is performed with these combined amounts, the amount of the combined transfer amount is verified with the swing manager SM. The payment data divided for each designated contract linked to the UL is transferred from the swing manager SM to the insurance contract system 10 (partial swing);
(Iv) If the insurance premium is suspended and the entire amount is withdrawn from the reserve and transferred from there, the payment data divided for each designated contract linked to the UL is transferred from the swing manager SM to the contract management system. To pass.
When a withdrawal occurs from the reserve in the above case (ie (i), (iii), (iv)), the following processing is executed:
(A) The calculation engine CE is called from the swing manager SM, the security content after the withdrawal is obtained, and the result is taken into the master 15 of the swing manager SM;
(B) The withdrawal amount is transferred from the reserve money to the insurance contract system 10 from the swing manager SM;
(C) When customer notification is accompanied, it is performed with reference to the swing manager SM.
Conventionally, processing was performed in the order of the deposit system → the deposit file → the billing management system. However, in the present invention, processing is performed in the order of the deposit system → the deposit file → the swing manager SM → the deposit file → the insurance contract system. Is executed. In other words, in the present invention, by interposing the swing manager SM in the billing and depositing process, without making many modifications to the existing system, (1) Freedom of billing: normal account Billing, partial swing, billing stop; (2) automatic swing when no swing is transferred; and (3) UL functions that provide the above functions for specified contracts can be realized.
Further, while the billing is stopped, processing is executed in the order of swing manager SM → payment file → contract management system.

In addition to the functions described above, the insurance contract system 10 of the present invention has the following functions:
(C) Customer-specific future design management function A sales consultant or an agent inputs future changes of a user (customer) to the mobile terminal PTD and hands-over the result on paper when joining the insurance.
The contents of the future change simulation performed at the time of design (that is, change date, reason for change [increase, decrease, withdrawal, insurance money change, insurance premium change, optional insurance premium input], etc.) New contract workflow → Swing manager SM is passed in order, and the data is managed in the swing manager SM, registered by customer, and after PIN / ID authentication, from the user's terminal through the Internet It is possible to inquire and change freely. This can be executed by referring to and updating the database DB of the swing manager SM from the Web application server. Currently, a contract content inquiry is provided to a user who has already logged on with a PIN / ID. However, in the present invention, a reference is newly made to the database DB of the swing manager SM, so that an inquiry can be freely made. Making changes feasible.

(D) Maintenance reception About two months before the simulation change time arrives, the customer will be notified by mail / e-mail about the arrival of the originally scheduled change time. This function allows users (subscribers (insured persons)) to forget the scheduled time of transfer even when they have a contract negotiation with a transfer schedule several years ahead at the time of subscription. In such a case, the insurance company can manage the customer data in a batch, so that it is surely notified directly to the user when the scheduled transfer time arrives or to the sales representative. It becomes possible.
It is possible to accept a change application / change simulation for a user through an application via the Internet. As a result, a service having flexibility can be provided.
This application by the Internet is made possible by releasing the transfer application / change simulation function on the Web that is already for in-house users even for PIN / ID-authenticated users from the Internet. Currently, as a Web system, there is a transfer simulation-Web-> calculation engine CE call function to display the insurance period and surrender value after change, and transfer application-Web-> swing manager SM transfer acceptance table Since there is a function to update, this menu screen can be realized by making it available to a PIN / ID authenticator. The transfer acceptance table holds the security number, the reason for the change, the details of the change, and the insurance period after the change.

  The following are the relational expressions described with respect to Table 2:

1. "Relationship between numerical values when changing contents (when RADIX is fixed)"
symbol
S ': Basic insurance amount after content change
n ': Insurance period from the conclusion of the contract after the content change
m ': Scheduled premium payment period from the conclusion of the contract
(However, m '= n' unless n 'is lifetime)
The relational expression for changing the contents of t year θ month is as follows.
(1) Calculation of periodic payment premium P when n ', m', S ', and P_add (t + θ / 12) are determined

（２） S' , P(t+θ/12) , P_add(t+θ/12)を定めたときの保険期間n'の演算

(2) Calculation of insurance period n 'when S', P (t + θ / 12) and P_add (t + θ / 12) are determined

となるとき変更後の保険期間ｎ'をt'年とする。ただし、FN(ω-x)が正であった場合は保険期間を終身とする。上の算式を満たすt'が存在しない場合には保険期間演算をエラー（保険期間は演算できない）とする。

The changed insurance period n ′ is t ′ years. However, if FN (ω-x) is positive, the insurance period will be the lifetime. If t ′ that satisfies the above formula does not exist, the insurance period calculation is regarded as an error (the insurance period cannot be calculated).

When the insurance period is at the end of life, the premium payment scheduled period m ′ is obtained.

となる場合、ｍ'＝0とする。
それ以外

In this case, m ′ = 0.
other than that

FM (m ′) is obtained in order from m ′ = t + (θ + 1) / 12, and FM (t ′ + θ ′ / 12) <0, FM (t ′ + (θ ′ + 1) / 12) ≧ When 0, the premium payment period m 'is t' + 1 years. However, if FM (m ′) is negative when m ′ = ω−x, the premium payment scheduled period is assumed to be the lifetime.
When t <10, an error occurs if t '+ (θ' + 12 / k) / 12-t <3.

(3) Calculation of voluntary premium P_add (t + θ / 12) when n ', m', S ', P (t + θ / 12) are determined

(4) Calculation of basic insurance amount S 'when n', m ', P (t + θ / 12) and P_add (t + θ / 12) are determined
If S ≦ S1 ′, S ′ = S1 ′, and if S> S1 ′, S ′ = S2 ′.

When S−Vb (t + θ / 12) ÷ σ ′ (t + θ / 12) ≦ S2 ′ and S> S2 ′> 0, S ′ = S2 ′
In other cases, the calculation is performed with Vb (t + θ / 12) = 0 and σ ′ (t + θ / 12) = 0.
Vb (t + θ / 12) = 0 after reduction. However, there is no limit when σ '(t + θ / 12) = 0.
However, Vb (t + θ / 12) is the AccountValue at the end of the month before deduction of the cancellation deduction due to the reduction of S to S '

"UL AV (Account Value) relational expression (when Radix is fixed)"
Explanation of symbols
x: Contract age ω: Final age (male 107 years old, female 110 years old: lower body is different)
n: Insurance period (when the insurance period is full, n = ω−x)
m: Insurance premium payment period
S: Basic insurance amount ÷ 1,000
t, θ: elapsed t year θ month (t = 0,1,2, ...; θ = 0,1, ..., 11)
k: Insurance premium payment method (annual payment 1, semi-annual payment 2, monthly payment 12)
δ (τ, k): Insurance premium payment coefficient (1 when τ is a multiple of 12 / k, 0 otherwise)
P (t + θ / 12): Regular payment premium for t year θ + 1 month
P_add (t + θ / 12): Optional insurance premium for t year θ + 1 month
P_other (t + θ / 12): Total amount of periodic withdrawal insurance premiums for t year θ + 1 month
i: Expected interest rate (1.5%)
i '(t + θ / 12): Interest rate for premium calculation ν (t + θ / 12): Discount rate for premium calculation
Ci (t + θ / 12): Reserve interest rate applied to t year θ + 1 month
Ei (t + θ / 12): Asset yield
C (t + θ / 12): Monthly operation base
D (t + θ / 12): Monthly operation base
M, M1, M2, Mk (t + θ / 12): Monthly operation base
N, N1, N2, Nk ( t + θ / 12): arithmetic radix monthly β: plans of insurance proportional business ratio β _0: insurance proportion of planned business ratio (= 3)
β ₁ : Scheduled business ratio proportional to insurance claims (= 1)
γ: Scheduled business ratio proportional to premium (1%, but other insurance
Cancellation refunds and maturity claims as operating premiums
0% when paying)
ε (t + θ / 12): Planned business ratio proportional to reserve fund ε1: Operating cost ratio (= 0.002)
ε2: Guaranteed ratio (= 0.001)
RP (t + θ / 12): Risk insurance premium equivalent for year t + 1

Vpaidup (t + θ / 12): Policy reserve for paid insurance at the end of θ years
VR (t + θ / 12)
V (t + θ / 12): Account value at the end of the last t years θ

VC: Cancellation amount for partial withdrawal or reduction of reserves

I. Interest rate for insurance premium calculation
(1) Planned project cost ratio in proportion to the reserve

ただし、保険期間満了後で延長定期保険への変更後は経過年数にかかわらず、
ε(t+θ/12)=0とする。

However, after the expiration of the insurance period, no matter how many years have passed,
Let ε (t + θ / 12) = 0.

  II. Radix creation for UL

III. Account Value

UL cancellation refund calculation symbol
S: Basic insurance amount before partial withdrawal of reserves / 1000
S ': Basic insurance amount after partial withdrawal of reserves / 1000
φ: Cancellation deduction proportional to the reserve fund (= 0.01)
σ (t + θ / 12): Cancellation rate at the end of θ in year t
V (t + θ / 12): AccountValue at the end of θ in year t

  (1) Calculation of surrender value

(2) Calculation symbol for partial withdrawal of reserve funds
V: AccountValue at the time of partial withdrawal of reserve funds (before withdrawal)

（表２２の続き）

(Continued from Table 22)

It is a figure which shows the outline of a structure in one Embodiment of the insurance contract system by this invention. It is a schematic flowchart of the process of the calculation engine which comprises the insurance contract system of FIG. It is a schematic flowchart of the process of the simulation control program which comprises the insurance contract system of FIG.

Explanation of symbols

10 Insurance Contract System INP Input Device 11 Control Device 12 Storage Device 13 Display Device 14 Simulation Device 15 Master PTD Mobile Terminal CE Calculation Engine SCP Simulation Control Program SP Simulation Program

Claims (26)

A display device for displaying a plurality of items related to an insurance contract and corresponding data, a portable terminal provided with an input device for inputting data corresponding to the plurality of items displayed on the display device, and
Storage means for storing various data and relational expressions, a specific item pre-associated with the desired item by selecting a desired item from a plurality of items related to the insurance contract displayed on the display device Data corresponding to an item is input from the input device and stored in the storage means, and a relational expression associated with the selected desired item is called from the storage means to correspond to the input specific item. Simulation means for obtaining data corresponding to the desired item using the called relational expression based on the data;
When the data corresponding to at least one item among the specific items is changed by the input device in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period, the simulation means, the item of the changed data Based on the data stored in the storage means other than the changed data and the changed data by calling the relational expression associated with the desired expression and the relational expression associated with the desired item An insurance contract system characterized by obtaining data corresponding to the desired item using a relational expression. When the simulation means obtains data corresponding to the desired item, the calculation unit selects the calculation category that is the desired item from the plurality of items by the input device of the mobile terminal, and the selected calculation category The relational expression associated with is called from the storage device in which the plurality of relational expressions are stored, and data corresponding to each item of a specific item previously associated with the selected calculation category is read from the input device Enter or call and input from the storage device, determine the calculation category selected by the input device, determine the data corresponding to each of the input items, and the calculation category and the data are appropriately If it is determined that the input is input to the item of the selected calculation category using the called relational expression based on the input data. A structure computational engine unit to execute each processing stage for obtaining the data to be,
The insurance contract system according to claim 1, wherein the calculation engine means is configured to obtain data corresponding to the selected calculation category in the number of months that have elapsed since the conclusion of the insurance contract.   The simulation means stores parameters set in the calculation engine means in each change in the storage device, and sets parameters necessary for calculation in the calculation engine according to each change reason, In order to execute the calculation process in the case of performing multiple transfers from the conclusion to the expiration of the insurance period, in conjunction with the calculation engine means, in any period from the conclusion of the insurance contract to the end of the insurance period When at least one of the data corresponding to each item of the plurality of items is changed, input / output data representing parameters necessary for calculation by the calculation engine means at the time of change is stored in the storage device And a simulation controller configured to store a history of calculation results of the data in a plurality of changes Insurance system of claim 1 or claim 2, characterized in that it further comprises a.   The simulation means, when performing simulation related to the insurance contract using the calculation engine means and the simulation control means, an input screen for displaying input data of the simulation related to the insurance contract and a result display for displaying the result of the simulation The insurance contract system according to any one of claims 1 to 3, further comprising simulation display control means configured to display a screen as a screen of the display device.   The input device inputs, as the data, an insurance premium, a voluntary insurance premium, an insurance amount, an insurance period, a payment period, a reserve, and an elapsed year since the conclusion of the contract among the plurality of items related to the insurance contract. The insurance contract system according to claim 1.   A swing managing means is further provided for executing data linkage between data corresponding to the desired item obtained by the simulation means and other data by applying an optimum swing function. The insurance contract system according to Item 1. The swing managing means is
(A) Auto swing function that automatically swings when no swing is made;
(B) A function to release reserve funds and apply to insurance premiums when claims are suspended; and (c) A portion of the claim amount is released from reserve funds, the remaining part is charged, and both are added together for insurance premiums. The insurance contract system according to claim 6, further comprising a partial swing function that is applied to.   The automatic swing function of the swing managing means determines whether or not it is possible to withdraw from the reserve money and transfer the insurance premium when there is no payment before the expiration date of the grace period, 8. The process according to claim 7, wherein when it is determined that the insurance premium can be transferred based on the result of the payment, the process of transferring the deposit data of Universal Life Insurance and the designated contract is executed. Insurance contract system.   When the partial swing function of the swing managing means charges only a part of the insurance premium transfer amount, and withdraws the remainder of the insurance premium transfer amount from the reserve, and transfers with the total amount, 8. The insurance contract system according to claim 7, wherein after the sum transfer amount check is executed, a process of transferring payment data divided for each designated contract linked to the universal life insurance is executed.   The function of reversing the reserve when the claim is stopped and applying it to the insurance premium of the swing managing means is the universal life insurance when the insurance premium is stopped and the entire amount is transferred from the reserve. The insurance contract system according to claim 7, wherein a process of transferring payment data divided for each designated contract associated with the policy is executed. The swing managing means, when a withdrawal occurs from the reserve,
(D) A function for calling the simulation operation means, obtaining the security content after the withdrawal, and working the obtained result on the master of the swing managing means;
(E) A function to pass the withdrawal amount from the reserve fund;
(F) The insurance contract system according to any one of claims 7 to 10, further comprising a function of notifying a customer with reference to the swing managing means. Selecting a desired item from a plurality of items related to an insurance contract;
Inputting data corresponding to a specific item previously associated with the selected desired item;
Storing the input data and the relational expression;
A relational expression associated with the selected desired item is called out from the stored relational expressions, and the desired item is obtained using the called relational expression based on the data corresponding to the input specific item. Seeking the corresponding data;
Changing data corresponding to at least one of the specific items in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period;
Calling a relational expression associated with the changed data item and a relational expression associated with the desired item;
And obtaining data corresponding to the desired item using the called relational expression based on the changed data and the stored data other than the changed data. When obtaining data corresponding to the desired item, a step of selecting a calculation category that is the desired item from the plurality of items, and a relational expression associated with the selected calculation category are represented by the plurality of items. Calling a relational expression; inputting or calling and inputting data corresponding to each item of a specific item previously associated with the selected calculation category; determining the selected calculation category; Determining the data corresponding to each of the input items, and if it is determined that the calculation category and the data are appropriately input, based on the input data, the called relational expression Performing each processing step for obtaining data corresponding to the item of the selected calculation category by using the selection in the number of months that have elapsed since the conclusion of the insurance contract. Insurance method according to claim 12, wherein the determination of the corresponding data to the calculating section.   In each change, the step of memorizing the set parameters, the step of setting the parameters necessary for the calculation according to each change reason, and the case where multiple changes are executed from the conclusion of the insurance contract to the expiration of the insurance period When executing at least one data among the data corresponding to each item of the plurality of items in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period in order to execute the arithmetic processing, 14. The method according to claim 13, further comprising a step of storing input / output data representing parameters required for calculation at the time of change, and a step of storing a history of calculation results of the data in a plurality of changes. The insurance policy method described.   The simulation further includes a step of displaying input data of the simulation related to the insurance contract on an input screen, and a step of displaying the result of the simulation on a result display screen when performing the simulation related to the insurance contract. Item 15. The insurance contract method according to any one of Items 12 to 14.   The plurality of items related to the insurance contract are configured by an insurance premium, a voluntary insurance premium, an insurance amount, an insurance period, a payment period, a reserve, and a number of years since the conclusion of the contract. Insurance contract method.   The method according to claim 12, further comprising a swing managing step of executing data linkage between data corresponding to the obtained desired item and other data by applying an optimal swing function. Insurance contract method. The swing managing stage includes:
(A) performing an automatic swing when the swing is not transferred;
(B) The stage in which reserves are withdrawn when claims are suspended and applied to insurance premiums; and (c) Of the claims, part of the claims are withdrawn, the remaining part is charged, and both are added together to create premiums. The insurance contract method according to claim 17, further comprising a step of executing a partial swing that is applied to.   In the step of executing the auto swing, if there is no payment by the expiration date of the grace period, it is possible to determine whether or not the insurance premium can be transferred by reversing the reserve, and the insurance premium can be transferred. 18. The insurance contract method according to claim 17, wherein when it is determined that there is, the process of transferring the deposit data of the universal life insurance and the designated contract is executed.   In the step of executing the partial swing, in the case where only a part of the premium transfer amount is charged and the remainder of the premium transfer amount is withdrawn from the reserve fund and the transfer is performed with the total amount, 18. The insurance contract method according to claim 17, wherein after the amount collation is executed, a process of transferring payment data divided for each designated contract associated with the universal life insurance is executed.   When the claim is suspended, the reserve is deducted and applied to the insurance premium when the insurance premium is suspended and the entire amount is withdrawn from the reserve and the transfer is made for each designated contract linked to Universal Life Insurance. The insurance contract method according to claim 17, wherein a process of passing the divided payment data is executed. In the swing managing stage, when a withdrawal occurs from the reserve fund,
(D) The stage of seeking the details of security after withdrawal and working on the results obtained;
(E) Passing the amount of withdrawal from the reserve;
(F) The insurance contract method according to any one of claims 17 to 21, further comprising a step of notifying a customer with reference to the swing managing step. On the computer,
A procedure for selecting a desired item from a plurality of items related to an insurance contract;
A procedure for inputting data corresponding to a specific item previously associated with the selected desired item;
A procedure for storing the input data and the relational expression;
A relational expression associated with the selected desired item is called out from the stored relational expressions, and the desired item is obtained using the called relational expression based on the data corresponding to the input specific item. The procedure for finding the corresponding data;
A procedure for changing data corresponding to at least one of the specific items in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period;
Calling a relational expression associated with the changed data item and a relational expression associated with the desired item;
An insurance contract simulation program for executing a procedure for obtaining data corresponding to the desired item using the called relational expression based on the changed data and the stored data other than the changed data.   When obtaining data corresponding to the desired item in a computer, a procedure for selecting a calculation category that is the desired item from the plurality of items, and a relational expression associated with the selected calculation category, The procedure for calling the plurality of relational expressions, the procedure for inputting or calling and inputting data corresponding to each item of a specific item previously associated with the selected calculation category, and the selected calculation category A procedure, a procedure for discriminating data corresponding to each of the inputted items, and if it is discriminated that the calculation category and the data have been entered appropriately, the call is made based on the inputted data. And a step of executing each processing step for obtaining data corresponding to the item of the selected calculation category using the relational expression, and after the conclusion of the insurance contract Insurance simulation program according to claim 23, wherein obtaining the data corresponding to the selected calculated divided in number of months.   A procedure for storing the set parameters for each change in the computer, a procedure for setting parameters necessary for the calculation according to each change reason, and multiple changes from the conclusion of the insurance contract to the expiration of the insurance period In order to execute the arithmetic processing in the case where it is, at least one of the data corresponding to each item of the plurality of items was changed in an arbitrary period from the conclusion of the insurance contract to the end of the insurance period In this case, a procedure for storing input / output data representing a parameter required for calculation at the time of change and a procedure for storing a history of calculation results of the data in a plurality of changes are executed. The insurance contract simulation program according to claim 23 or claim 24.   When a simulation related to the insurance contract is performed on a computer, a procedure for displaying input data of the simulation related to the insurance contract on an input screen and a procedure for displaying the result of the simulation on a result display screen are performed. The insurance contract simulation program according to any one of claims 23 to 25.

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