JP2013502651A - 保険引受用オンラインシステムおよび方法 - Google Patents
保険引受用オンラインシステムおよび方法 Download PDFInfo
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Abstract
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Claims (10)
- 1つ以上のプロセッサとメモリを備えるサーバにおいて実施する保険引受方法であって、
ある人物の健康状態、職業、予定されている身体活動、旅行活動など複数の特性を含んで提出された個人情報を受信し、
複数のデータベースにアクセスして該人物に関する情報を収取する許諾を該人物から受け、
前記複数のデータベースからそこに保存されている該人物に関する情報を収取し、
保存されていた個人情報および提出された個人情報を基に死亡リスクを計算し、
死亡リスクが閾値を超える人物に対しては保険の引受を拒絶し、
死亡リスクが閾値以下である人物に対しては死亡リスクを基に算定した保険料で保険の引受を提示することから成る方法。 - 前記保存個人情報に処方薬情報が含まれる、請求項1に記載の方法。
- 前記保存個人情報に車両運転記録データベースから得られる運転歴が含まれる、請求項1に記載の方法。
- 前記保存個人情報に1件またはそれ以上の信用状況調査報告が含まれる、請求項1に記載の方法。
- 前記保存個人情報に身長、体重、年齢、喫煙の有無の少なくとも1つが含まれる、請求項1に記載の方法。
- 前記複数のデータベースから収取された前記情報に基づいて前記死亡リスクを計算することをさらに含む、請求項1に記載の方法。
- 前記複数のデータベースが、処方薬データベースと車両運転記録データベースと信用情報データベースの少なくとも1つを含む、請求項6に記載の方法。
- 1つ以上のプロセッサとメモリを備えるサーバにおいて実施する保険引受方法であって、
ある人物の健康状態、職業、予定されている身体活動、旅行活動など複数の特性を含んで提出された個人情報を受信し、
複数のデータベースにアクセスして該人物に関する情報を収取する許諾を該人物から受け、
該人物の過去の保険申し込みから収集して保存されている個人情報であって、該人物の健康状態、職業、身体活動の予定、または旅行活動に関する複数の特性を含む個人情報を収取し、
前記提出された個人情報と保存されていた個人情報との比較に基づいて不正リスクを算出し、
不正リスクが閾値を超えた場合は該人物に対して保険引受を拒絶することから成る方法。 - 前記保存個人情報が病歴調査事務局から収取された情報である、請求項8に記載の方法。
- 1つ以上のプロセッサとメモリを備えるコンピュータシステム上で実施される死亡リスク推定方法であって、
死亡リスクの評価を要する人物の身元を確認し、
該人物から財務データの収取に対する許諾を受け、
信用調査機関から1件以上の信用状況調査報告を収取し、
前記1件以上の信用状況調査報告から死亡リスクを計算することから成り、前記計算において、前記1件以上の信用状況調査報告から得られる少なくとも1つの情報を死亡リスクの増減と関連付け、前記少なくとも1つの情報には信用調査機関の算出した信用度以外の情報が含まれることを特徴とする方法。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
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US12/542,500 | 2009-08-17 | ||
US12/542,500 US20110040582A1 (en) | 2009-08-17 | 2009-08-17 | Online system and method of insurance underwriting |
PCT/US2010/044661 WO2011022225A1 (en) | 2009-08-17 | 2010-08-06 | Online system and method of insurance underwriting |
Publications (2)
Publication Number | Publication Date |
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JP2013502651A true JP2013502651A (ja) | 2013-01-24 |
JP5827228B2 JP5827228B2 (ja) | 2015-12-02 |
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JP2012525607A Expired - Fee Related JP5827228B2 (ja) | 2009-08-17 | 2010-08-06 | 保険引受用オンラインシステムおよび方法 |
Country Status (6)
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US (1) | US20110040582A1 (ja) |
EP (1) | EP2467818A4 (ja) |
JP (1) | JP5827228B2 (ja) |
CN (1) | CN102713960A (ja) |
CA (1) | CA2771275C (ja) |
WO (1) | WO2011022225A1 (ja) |
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- 2010-08-06 CA CA2771275A patent/CA2771275C/en not_active Expired - Fee Related
- 2010-08-06 JP JP2012525607A patent/JP5827228B2/ja not_active Expired - Fee Related
- 2010-08-06 WO PCT/US2010/044661 patent/WO2011022225A1/en active Application Filing
- 2010-08-06 CN CN2010800467589A patent/CN102713960A/zh active Pending
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JP5599537B1 (ja) * | 2013-07-31 | 2014-10-01 | 楽天株式会社 | 保険申込システム、保険申込方法、プログラムおよび情報記憶媒体 |
WO2015015595A1 (ja) * | 2013-07-31 | 2015-02-05 | 楽天株式会社 | 保険申込システム、保険申込方法、プログラムおよび情報記憶媒体 |
JP2017503291A (ja) * | 2013-12-03 | 2017-01-26 | インサムコ ホールディングス, エルエルシー | 生命保険オプションのための保険料を計算するためのシステムおよび方法 |
JP2017532674A (ja) * | 2014-10-06 | 2017-11-02 | スイス リインシュランス カンパニー リミテッド | 一致度測定量に基づくデータオブジェクトのパターン認識ベースの監視および制御的処理のためのシステムと方法 |
JP2016192140A (ja) * | 2015-03-31 | 2016-11-10 | 三井住友海上火災保険株式会社 | 団体保険のスマホ手続きシステム |
JP2020190778A (ja) * | 2019-05-17 | 2020-11-26 | ヤフー株式会社 | 情報処理装置、情報処理方法および情報処理プログラム |
JP7027369B2 (ja) | 2019-05-17 | 2022-03-01 | ヤフー株式会社 | 情報処理装置、情報処理方法および情報処理プログラム |
WO2022201552A1 (ja) * | 2021-03-26 | 2022-09-29 | 日本電気株式会社 | 情報処理装置、情報処理システム、情報処理方法及び非一時的なコンピュータ可読媒体 |
KR102641871B1 (ko) * | 2023-05-15 | 2024-02-28 | 주식회사 아이지넷 | 질환 및 상해 예측에 기반한 맞춤형 보험설계서비스 시스템 |
Also Published As
Publication number | Publication date |
---|---|
JP5827228B2 (ja) | 2015-12-02 |
EP2467818A1 (en) | 2012-06-27 |
EP2467818A4 (en) | 2014-10-22 |
CA2771275C (en) | 2021-03-09 |
CA2771275A1 (en) | 2011-02-24 |
CN102713960A (zh) | 2012-10-03 |
WO2011022225A1 (en) | 2011-02-24 |
US20110040582A1 (en) | 2011-02-17 |
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