JP2006107234A - Insured object design/support system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insured object design/support system for designing an object insured in consideration of initial cost and operation cost. <P>SOLUTION: A user is allowed to select an accident prevention facility and a risk factor, the construction expense N of the selected accident prevention facility is calculated, and on the basis of the selected risk factor, the premium A of a stand-alone structure and the premium B of the structure with the selected accident prevention facility added are calculated. Then, until a total value p of the construction expenses M, N and the premium B becomes smaller than the total value q of the construction expense M and the premium A, the selection of the accident prevention facility and the risk factor is performed repeatedly, so that the structure can be designed in a more detailed manner in consideration of the initial cost and the operation cost. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a system for supporting the design of an insured object, and more particularly to an insured object design support system suitable for designing an insured object in consideration of an initial cost and an operating cost.

As a method for preventing damage to structures due to disasters such as earthquakes, disaster prevention equipment such as seismic isolation structures, seismic control structures, earthquake resistant structures, etc. are applied to the structures to reduce the seismic force, and the structure collapses or structures There is a known method for preventing the falling or falling of equipment and parts attached to an object.
On the other hand, when the owner receives the delivery of the structure, the owner insures the structure. At this time, the insurance company generally calculates the insurance premium from the past results of insurance for similar structures of the company. In some cases, insurance premiums for individual structures are calculated in consideration of risk factors, but this requires a lot of labor.

Conventionally, for example, an insurance product selection support system described in Patent Document 1 and an insurance premium calculation method described in Patent Document 2 are known as techniques for supporting insurance settings for structures and other objects.
The invention described in Patent Document 1 allows a user to input specific information about an insurance target and information related to earthquake countermeasures, selects an insurance product from a plurality of insurance products based on both information, and selects the selected insurance product. Present to the user. Therefore, the user can efficiently select an appropriate insurance product corresponding to the earthquake countermeasure to be insured from the presented insurance products.

In the invention described in Patent Document 2, one or more insured objects are accepted for each contractor, and a risk profile representing characteristics of risk factors is analyzed in advance by a statistical approach or a structural model approach using an individual risk model. The probability of occurrence for each risk factor is calculated based on the result, and the loss rate for each risk factor is calculated based on the result analyzed in advance. Then, the insurance product design data for each contractor is received, the risk distribution is calculated based on the probability of occurrence, the loss rate, and the insurance product design data, and the net insurance premium is calculated based on the risk distribution.
JP 2001-306812 A JP 2002-373259 A

  By the way, at the stage of designing a structure, considering the initial cost that accompanies construction such as construction costs, the structure is designed and what kind of disaster prevention equipment is added to the structure. Has been decided. However, since insurance may be set after the structure is completed, it is desirable to design the structure and set disaster prevention equipment in consideration of not only initial costs but also operating costs such as insurance premiums.

  The inventions described in Patent Documents 1 and 2 are effective for setting an appropriate insurance for a structure after the structure is completed. However, in the structure design stage, sufficient support cannot be obtained when designing the structure in consideration of the initial cost and the operating cost. In other words, in the structural design stage, in order to determine the structural specifications and disaster prevention equipment, it is necessary to obtain estimates of the initial cost and operation cost. If equipment is not fixed, it cannot be obtained. Therefore, it is necessary to repeat the work of temporarily determining the specifications of the structure and the disaster prevention equipment and calculating the estimate.

This is not limited to the case where disaster prevention equipment is added to the structure, but the same problem is assumed when damage prevention means is added to other insured objects.
Therefore, the present invention has been made paying attention to such an unsolved problem of the conventional technology, and is suitable for designing an insured object in consideration of an initial cost and an operating cost. The purpose is to provide a target design support system.

  As a result of extensive studies, the present inventor pays attention to the fact that adding damage prevention means to the insured object improves the damage resistance of the insured object and reduces the loss occurrence rate, thereby reducing the insurance premium. However, if damage prevention measures are added under the condition that the total of installation costs and insurance premiums required when loss prevention measures are added is lower than that required when loss prevention measures are not added, initial costs and operating costs I found out that I can suppress it.

  In order to achieve the above object, an insured object design support system according to claim 1 according to the present invention is a system that supports the design of an insured object, and obtains an insurance premium for the insured object alone. 1 insurance premium acquisition means, damage prevention means selection means for selecting damage prevention means to be added to the insured object, and installation cost acquisition means for acquiring the installation cost of the damage prevention means selected by the damage prevention means selection means A second premium acquisition means for acquiring the insured insurance premium to which the damage prevention means selected by the damage prevention means selection means is added; an insurance premium acquired by the first insurance premium acquisition means; and Cost evaluation means for evaluating the cost based on the installation cost acquired by the installation cost acquisition means and the insurance premium acquired by the second insurance premium acquisition means.

With such a configuration, the insurance premium for the single insured is acquired by the first insurance premium acquisition means. Further, when the damage prevention means is selected by the damage prevention means selection means, the installation cost acquisition means acquires the installation cost of the selected damage prevention means, and the second insurance premium acquisition means selects the selected damage prevention means. The premium for the insured subject to which is added is acquired. Then, the cost evaluation means evaluates the cost based on the acquired insurance premium and installation cost.
Here, the insured object refers to an object to be insured (insurance purpose), and includes, for example, buildings, household goods, commodities, vehicles, aircraft, hulls, and cargo.

  Further, the first insurance premium acquisition means may have any configuration as long as it can acquire the insurance premium of the insured single unit, for example, the insurance premium may be calculated, and the input device The insurance premium may be input from an external terminal, the insurance premium may be acquired or received from an external terminal, or the insurance premium may be read from a storage device or a storage medium. Thus, acquisition includes at least calculation, input, acquisition, reception, and reading. The same applies to the case where the installation cost is acquired by the installation cost acquisition means and the case where the insurance premium is acquired by the second insurance premium calculation means.

  In addition, the cost evaluation means may have any configuration as long as the cost is evaluated. For example, the insurance premium for the insured unit, the installation cost of the damage prevention means, and the damage prevention means are added. The insurance premium for the insured subject may be presented, or the insurance premium for the single insured subject may be presented in comparison with the insurance premium for the insured subject to which the cost of installing the preventive measures and the preventive measures are added. It is also possible to encourage the re-selection of loss prevention measures until the insured single premium, the cost of setting up damage prevention measures, and the insurance premium with damage prevention measures added meet the prescribed conditions. It may be.

  Further, the present system may be realized as a single device, terminal, or other device, or may be realized as a network system in which a plurality of devices, terminals, or other devices are communicably connected. In the latter case, each component may belong to any one of a plurality of devices and the like as long as they are connected so as to communicate with each other.

  As explained above, according to the insured object design support system according to claim 1 of the present invention, the insured object to which the insured unit alone, the installation cost of the damage prevention means, and the damage prevention means are added. As a result, it is possible to design the insured object in consideration of the initial cost and the operating cost, as compared with the conventional case.

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 and FIG. 3 are diagrams showing an embodiment of an insured object design support system according to the present invention.
In the present embodiment, the insured object design support system according to the present invention is applied to the case where the design of a structure such as a building is supported using a network system as shown in FIG.

First, the configuration of a network system to which the present invention is applied will be described with reference to FIG.
FIG. 1 is a block diagram showing a configuration of a network system to which the present invention is applied.
As shown in FIG. 1, in the network 199, a structure design support apparatus 100 that supports the design of a structure, and a structure installation location environment for registering structure installation location environment data related to the installation location of the structure and other environments Data registration database (hereinafter, database is simply abbreviated as DB) 200, disaster occurrence probability calculation device 300 that calculates the probability of disaster occurrence of a structure, and insurance fee calculation device 400 that calculates the insurance premium of a structure. And are connected.

The structure design support apparatus 100 is connected with a specification data registration DB 42 for registering specification data regarding the specifications of the structure and a disaster prevention facility data registration DB 44 for registering disaster prevention facility data regarding the disaster prevention facility. Yes.
The disaster occurrence probability calculation device 300 acquires the structure installation location environment data from the structure installation location environment data registration DB 200, and calculates the disaster occurrence probability of the structure based on the acquired structure installation location environment data.

  The insurance fee calculation device 400 acquires the specification data or the disaster prevention equipment data from the structure design support device 100, acquires the calculation result of the disaster occurrence probability from the disaster occurrence probability calculation device 300, and acquires the acquired specification data or Based on the disaster prevention equipment data and the calculation result of the disaster occurrence probability, the insurance premium of the structure alone or the structure premium with the disaster prevention equipment added to the structure is calculated.

  The structure design support device 100 and the structure installation location environment data registration DB 200 are owned by the construction company, and the disaster probability calculation device 300 and the insurance fee calculation device 400 are owned by the insurance company. At this time, between the construction company and the insurance company, the insurance premium rate of the earthquake insurance for the building designed and constructed by the construction company is determined. In addition, an insurance premium rate calculation method is decided for buildings that can be standardized.

Next, the configuration of the structure design support apparatus 100 will be described.
FIG. 2 is a block diagram illustrating a hardware configuration of the structure design support apparatus 100.
As shown in FIG. 2, the structure design support apparatus 100 includes a CPU 30 that controls operations and the entire system based on a control program, a ROM 32 that stores a control program for the CPU 30 in a predetermined area, a ROM 32, and the like. The read-out data and the RAM 34 for storing calculation results required in the calculation process of the CPU 30 and an I / F 38 for mediating input / output of data to / from an external device are configured, and these transfer data. Are connected to each other via a bus 39 which is a signal line for data exchange.

The I / F 38 is based on an external device as an input device 40 such as a keyboard or mouse capable of inputting data as a human interface, a specification data registration DB 42, a disaster prevention facility data registration DB 44, and an image signal. A display device 46 that displays a screen is connected.
The specification data registration DB 42 stores the specifications of the structure and the risk factors. If the specifications of the structure and the risk factor are transmitted to the insurance premium calculation device 400, the insurance premium for the single structure can be calculated. Here, since the designer of the structure knows detailed information about the specifications of the structure, it is possible to set an appropriate insurance premium. In addition, as insurance for a structure, for example, an insurance set by the owner or owner of the structure or a shipper who deposits cargo in the structure is assumed.

The disaster prevention equipment data registration DB 44 stores the types of disaster prevention equipment. If the specifications of the structure, the risk factor, and the type of disaster prevention equipment are transmitted to the insurance premium calculation device 400, the insurance premium of the structure to which the disaster prevention equipment is added can be calculated. Here, since the designer of the structure has grasped detailed information on the strength of the disaster prevention equipment, etc., an appropriate insurance premium can be set.
The CPU 30 includes a microprocessing unit and the like, starts a predetermined program stored in a predetermined area of the ROM 32, and executes a design support process shown in the flowchart of FIG. 3 according to the program.

FIG. 3 is a flowchart showing the design support process.
When the design support process is executed by the CPU 30, as shown in FIG. 3, first, the process proceeds to step S100.
In step S100, the construction cost M of the structure is input from the input device 40, the process proceeds to step S102, a list of specifications of the structure is displayed on the display device 46 with reference to the specification data registration DB 42, and the structure Item specifications are input from the input device 40. The specifications of the structure include, for example, the location of the structure, the ground type, the reference floor area, the number of building floors, the structure type, and the structure type. The location may be at the prefectural level, the municipality level, or a more detailed division. The ground type may be a stepwise setting such as “solid”, “normal”, and “fragile”, or may be a continuous setting such as a numerical value between 0 and 100.

  Next, the process proceeds to step S104, a list of risk factors is displayed on the display device 46 with reference to the specification data registration DB 42, and an insurance target is selected from a plurality of risk factors including earthquakes, fires, wind damages, and water damages. The input device 40 is selected, and the process proceeds to step S106, the disaster prevention equipment data registration DB 44 is referred to, a list of disaster prevention equipment is displayed on the display device 46, and the seismic isolation structure, seismic control structure or earthquake resistance structure is displayed. From the earthquake disaster prevention equipment such as a disaster prevention equipment such as a fire wall or a fire door, and other disaster prevention equipments to be added to the structure are selected by the input device 40, and the process proceeds to step S108.

  In step S108, the construction cost N of the disaster prevention equipment is calculated based on the type of the selected disaster prevention equipment. Specifically, for example, a construction cost registration table in which the type of disaster prevention equipment and the construction cost are associated and registered is prepared, and the construction cost registration table is based on the selected type of disaster prevention equipment. The construction cost N of the disaster prevention equipment is calculated by searching for the construction cost of interest.

Next, the process proceeds to step S110, and the structure premium and the selected risk factor are transmitted to the insurance premium calculation device 400 to calculate the insurance premium A for the single structure, and the process proceeds to step S112.
In step S112, the inputted premium of the structure, the selected risk factor and the type of the disaster prevention equipment are transmitted to the insurance premium calculation device 400, so that the insurance premium of the structure to which the selected disaster prevention equipment is added is sent. B is calculated, and the process proceeds to step S114.

  In step S114, it is determined whether or not the total value p of the construction costs M and N and the insurance premium B is smaller than the total value q of the construction costs M and the insurance premium A, and the total value p is smaller than the total value q. (Yes), the process proceeds to step S116. In step S114, it is determined whether or not the total value p is smaller than the total value q. However, the present invention is not limited to this, and it is determined whether or not the total value of the construction cost N and the insurance premium B is smaller than the insurance premium A. It is the same even if it judges.

In step S116, a purchase order for the structure is created based on the construction cost M and specifications of the input structure, the selected risk factor and disaster prevention equipment type, and the calculated construction cost N and insurance premiums A and B. Then, the process proceeds to step S118, the created purchase order is displayed on the display device 46, and the process proceeds to step S120.
In step S120, it is determined whether approval or denial of the contents of the purchase order has been input from the input device 40. When it is determined that approval has been input for the contents of the purchase order (Yes), the series of processes is terminated. To return to the original process.
On the other hand, the process proceeds to step S104 both when a rejection is input about the contents of the purchase order in step S120 (No) and when it is determined in step S114 that the total value p is greater than or equal to the total value q (No) To do.

Next, the operation of the present embodiment will be described.
The designer requests the structure design in the structure design support apparatus 100.
When the structure design support apparatus 100 is requested to design a structure, it is prompted to input the construction cost M and specifications of the structure through steps S100 and S102. Here, the designer inputs the construction cost M and specifications of the structure from the input device 40.
Next, through steps S104 and S106, it is prompted to select a risk factor and disaster prevention equipment. Here, the designer selects the risk factor and the disaster prevention facility with the input device 40. For example, earthquake is selected as the risk factor, and seismic isolation structure is selected as the disaster prevention equipment.

  Next, through steps S108 to S112, the construction cost N of the selected disaster prevention equipment, the insurance premium A of the structure alone, and the insurance premium B of the structure to which the selected disaster prevention equipment is added are calculated. Then, through step S114, the total value p of the construction costs M and N and the insurance premium B is compared with the total value q of the construction costs M and the insurance premium A, and whether or not the total value p is smaller than the total value q. Is determined. That is, the total value of the initial cost and the operation cost required when the disaster prevention facility is added and the total value of the initial cost and the operation cost required when the disaster prevention facility is not added are evaluated. As a result, if it is determined that the total value of the initial cost and operation cost required when no disaster prevention equipment is added is greater than steps S104 and S106, the risk factor and disaster prevention equipment are reselected. Therefore, the designer only has to repeat the selection of the risk factor and the disaster prevention equipment until the total value of the initial cost and the operation cost required when the disaster prevention equipment is added becomes smaller.

  When the total value of the initial cost and the operating cost required when the disaster prevention equipment is added becomes smaller, a purchase order is created and displayed through steps S116 and S118. Here, when the designer can approve the contents of the purchase order, the designer inputs approval for the contents. When the approval is input, the electronic data of the purchase order is displayed on the display device 46, and the process is terminated. On the other hand, if the contents of the purchase order cannot be accepted, a denial is entered for the contents. When the denial is input, the risk factor and the disaster prevention facility are re-selected through steps S104 and S106.

In this way, in the present embodiment, the user selects the disaster prevention facility, and the construction cost N for the selected disaster prevention facility, the insurance premium A for the structure alone, and the selected disaster prevention facility are added. The insurance premium B is calculated, and the disaster prevention equipment is selected until the total value p of the construction costs M and N and the insurance premium B is smaller than the total value q of the construction costs M and the insurance premium A. Yes.
As a result, the designer simply repeats the selection of the disaster prevention equipment, so that the total value p of the construction costs M and N and the insurance premium B is smaller than the total value q of the construction costs M and the insurance premium A. Since the facilities can be set, the structure can be designed in consideration of the initial cost and the operation cost as compared with the conventional case.

Further, in the present embodiment, the user is made to select a risk factor, and based on the selected risk factor, the insurance premium A for the structure alone and the insurance premium B for the structure to which disaster prevention equipment is added are calculated and constructed. The risk factor is selected until the total value p of the costs M and N and the insurance premium B is smaller than the total value q of the construction cost M and the insurance premium A.
As a result, the designer simply repeats selection of the risk factor, and the risk factor is set so that the total value p of the construction costs M and N and the insurance premium B is smaller than the total value q of the construction costs M and the insurance premium A. Since it can be set, the structure can be designed in more detail in consideration of the initial cost and the operating cost.

In the above embodiment, the structure corresponds to the insured object described in claim 1, the disaster prevention facility corresponds to the damage prevention means described in claim 1, and step S106 corresponds to the damage prevention described in claim 1. Corresponding to the means selection means, step S108 corresponds to the installation cost acquisition means according to claim 1, and step S110 corresponds to the first insurance premium acquisition means according to claim 1. Step S112 corresponds to the second insurance premium acquisition unit according to claim 1, and step S114 corresponds to the cost evaluation unit according to claim 1.
In the above embodiment, the construction cost N of the disaster prevention equipment is calculated. However, the construction cost N is not limited to this, and the construction cost N may be input from the input device 40 or from the Internet or the like. You may make it download.

  Moreover, in the said embodiment, although comprised so that the insurance premium A of a structure single-piece | unit was calculated, you may make it input the insurance premium A from the input device 40 not only this but the internet etc. You may make it download. Further, the insurance premium A may be calculated by referring to the insurance premium registration table in which the specifications of the structure and the risk factor are associated with the insurance premium, or according to a predetermined arithmetic expression as in the invention described in Patent Document 2. It can also be calculated. When calculating with reference to the insurance premium registration table, the corresponding premium is searched from the insurance premium registration table based on the specifications of the structure input in step S102 and the risk factor selected in step S104. To calculate.

  Moreover, in the said embodiment, although comprised so that the insurance premium B of the structure which added the disaster prevention equipment was calculated, you may make it input the insurance premium B from the input device 40 not only this. However, it may be downloaded from the Internet or the like. Also, the insurance premium B may be calculated with reference to an insurance premium registration table in which the specifications of the structure, the risk factor, the type of disaster prevention equipment, and the insurance premium are associated with each other, as in the invention described in Patent Document 2. It can also be calculated by a predetermined arithmetic expression. When calculating with reference to the insurance premium registration table, the insurance premium registration table is based on the specifications of the structure input in step S102 and the risk factor and disaster prevention equipment type selected in steps S104 and S106. It is calculated by searching the corresponding premium from among the above.

  Moreover, in the said embodiment, although comprised so that selection of a risk factor and disaster prevention equipment might be promoted until total value p became smaller than total value q, not only this but total value p is more than total value q. It can also be configured to prompt the input of the construction cost M and specifications of the structure, and the selection of risk factors and disaster prevention equipment until it becomes smaller. Thereby, the structure can be designed in more detail in consideration of the initial cost and the operation cost.

  Moreover, in the said embodiment, although it comprised so that the insurance premium B of the structure which added the disaster prevention equipment was considered, and evaluated the total cost, it was not restricted to this, The disaster prevention equipment was added to the structure. In this case, the disaster resistance of the structure is improved, and the security of the owner or owner of the structure is improved, so the degree of security is converted into an amount of money, and the total cost is taken into account such safety fees. It can also be configured to be evaluated. Furthermore, when disaster prevention equipment is added to the structure, the disaster resistance of the structure is improved, and it is possible to appeal the disaster resistance to the shipper who wants to deposit cargo in the structure. The degree can be converted into a monetary amount, and the total cost can be evaluated in consideration of such an advertisement effect fee. In these cases, the relief fee or the advertisement effect fee may be calculated in the same manner as in the above embodiment, for example, by providing a table in which the disaster prevention facility type and the relief fee or the advertisement effect fee are registered in association with each other. Thereby, the structure can be designed in more detail in consideration of the initial cost and the operation cost.

In the above-described embodiment, the case where the control program stored in advance in the ROM 32 is executed when executing the processing shown in the flowchart of FIG. 3 has been described. The program may be read from the storage medium storing the program into the RAM 34 and executed.
Here, the storage medium is a semiconductor storage medium such as RAM or ROM, a magnetic storage type storage medium such as FD or HD, an optical reading type storage medium such as CD, CDV, LD, or DVD, or a magnetic storage type such as MO. / Optical reading type storage media, including any storage media that can be read by a computer regardless of electronic, magnetic, optical, or other reading methods.

  In the above embodiment, the insured design support system according to the present invention is applied to the case of supporting the design of a structure such as a building using a network system. However, the present invention is not limited to this. The present invention can be applied to other cases without departing from the gist of the present invention. For example, the present invention can be similarly applied to the case of supporting the design of household goods, commodities, vehicles, aircraft, hulls, cargoes, and other insured objects.

It is a block diagram which shows the structure of the network system to which this invention is applied. 2 is a block diagram illustrating a hardware configuration of a structure design support apparatus 100. FIG. It is a flowchart which shows a design support process.

Explanation of symbols

100 Structure Design Support Device 200 Structure Installation Location Environment Data Registration DB
300 Disaster occurrence probability calculation device 400 Insurance premium calculation device 30 CPU
32 ROM
34 RAM
38 I / F
39 Bus 40 Input device 42 Specification data registration DB
44 Disaster prevention equipment data registration DB
46 Display device

Claims (1)

A system that supports the design of insured objects,
A first premium acquisition means for acquiring the insurance premium for the single insured object, a damage prevention means selection means for selecting a damage prevention means to be added to the insured object, and a damage selected by the damage prevention means selection means Installation cost acquisition means for acquiring the installation cost of the prevention means; second insurance premium acquisition means for acquiring the insurance premium for the insured object to which the damage prevention means selected by the damage prevention means selection means is added; A cost evaluation means for evaluating the cost based on the insurance premium acquired by the insurance premium acquisition means, the installation cost acquired by the installation cost acquisition means, and the insurance premium acquired by the second insurance premium acquisition means. Insured design support system.

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