JP3673196B2

JP3673196B2 - Life insurance premium data processing device and financial product payment data processing device

Info

Publication number: JP3673196B2
Application number: JP2001255213A
Authority: JP
Inventors: 幸一竹中
Original assignee: 住友生命保険相互会社
Priority date: 2001-08-24
Filing date: 2001-08-24
Publication date: 2005-07-20
Anticipated expiration: 2021-08-24
Also published as: JP2003067576A

Description

【０００１】
【発明の属する技術分野】
本発明は、生命保険への保険料の払い込みに関するデータを処理する装置および方法に関し、特に、従来より自在な保険設計に適応できる等の有利な装置および方法に関する。
【０００２】
さらに、本発明は生命保険に限られず、他の金融商品のデータを処理する装置および方法にも適用可能である。
【０００３】
【従来の技術】
従来より、生命保険会社では、膨大な数の契約に関する保険料の払込を処理するためにコンピュータシステムが用いられる。通常、保険に加入するときに、保険設計にて、払込期間と保険金額が設定され、それらの設定に応じて保険料が決まる。そして、この予め契約で決められた保険料が受け付けられ、保険料の支払がデータベースに記録される。この処理は、例えば月払い契約に関して、毎月の決まった日に行われる。保険料には、大別して、自然保険料と平準保険料という２種類の保険料がある。
【０００４】
図１は自然保険料を示している。自然保険料は、後述する平準化保険料のような平準化がなされていない保険料である。自然保険料は、例えば、１年間の掛捨て契約における保険料である。死亡保障の自然保険料であれば、死亡率に応じて金額が設定される。年齢が高くなるほど死亡率が高くなるので、図示の如く、自然保険料も年齢に応じて高くなる。
【０００５】
図２は、自然保険料用の保険料率テーブルを示している。保険料率は、保険料の計算に一般に用いられるパラメータであり、保険金額に保険料率を掛けると保険料が得られる。保険料率は年齢に応じて決まり、年齢が高いほど料率も高くなる。
【０００６】
上述のように、自然保険料の場合には、年齢が高くなると保険料が高くなり、支払が困難になる。この点に配慮したのが平準保険料である。
【０００７】
図３は、平準保険料を表している。平準保険料（直線）は一般に一定に設定される。自然保険料（点線）と比較すると、若年時には平準保険料が自然保険料より高く、高齢時には平準保険料より自然保険料が高くなる。図３下段に示すように、若年時における平準保険料と自然保険料の差額は責任準備金となり、高齢時には自然保険料と平準保険料の差額が責任準備金により埋められる。
【０００８】
図４は、平準保険料の払込に適用されるデータ処理装置の例を示している。払込処理部１は、平準保険料が払い込まれたことを払込記録部２へと記録する。月払いであれば、毎月、払込処理が行われる。この平準保険料は、図３の原理に従って予め契約で定められた金額である。
【０００９】
図５は、平準保険料の計算に用いられる保険料率テーブルを示している。平準保険料の保険料率は、年齢（契約時）、払込期間および保険期間によって異なる。そこで予め、契約時年齢、払込期間および保険期間の多様な組合せの各々に対応する保険料率が求められ、図５に示されるような保険料率のテーブルが用意される。このテーブルを参照して保険料が計算される。図２と図５を比較すると明らかなように、年齢に応じて決まる自然保険料の保険料率（図２）と比べると、平準保険料の保険料率の数は大幅に多く、したがってテーブルが大きい。
【００１０】
また、図５に示されるように、平準保険料方式の場合には、払込期間が、５年、１０年、１５年などと粗く設定される。この種の粗い設定は、通常の生命保険で広く採用されている。そしてこの粗い設定は、保険料率の数を減らすことと、それによる保険料の管理負担の削減に寄与している。ただし、この粗い設定を採用していてもまだ、図示のように平準保険料の保険料率の数は非常に多い。
【００１１】
なお、図２および図５には示されないが、平準保険料、自然保険料の双方において、さらに性別や払方（月払い等）などの要素に応じて保険料率は異なっている。
【００１２】
【発明が解決しようとする課題】
平準保険料には、上述のような保険料の平準化によって、高齢時の保険料の増大を抑えられるという利点がある。その一方で、図５の保険料率テーブルが大型なことからも分かるように、保険料の管理の負担が大きいという点で平準保険料は不利である。
【００１３】
また、平準保険料では、上述のように払込期間が粗く設定されている。保険設計においては、それらの粗く設定された払込期間の一つが選択される。したがって、払込期間に関して保険設計の自在性が低いという点で平準保険料は不利である。
【００１４】
平準保険料は、払込期間だけでなく保険金額の設定に関しても自在性に乏しい。すなわち、平準保険料方式は、払込期間に渡って保険金額が一定であることを前提に保険料を平準化しているので、払込期間の途中で保険金額を変えるような保険設計には本来的に適さない。したがって、保険金額に関しても保険契約内容の自在性に欠け、各顧客のニーズに合ったオーダーメード的な保険には向かない。
【００１５】
なお、現状でも、逓減タイプのように保険金額が途中で変化する保険も一部には見られる。しかし、この場合も、予め保険金額の変化の形が定められ、その形に適合する保険料率が定められる。したがって、保険金額の自由な設定が許容されているわけではない。むしろ、保険設計の制約の程度は、保険金額が一定の場合に近い。
【００１６】
次に、自然保険料方式について検討する。自然保険料の場合には、図２と図５に示される保険料率テーブルの大小関係からも明らかなように、保険料の管理負担は比較的小さい。
【００１７】
しかし、既に述べたように、自然保険料の場合には、高齢時の保険料が高くなり、その支払が困難になるという不利な点がある。
【００１８】
また、従来、自然保険料を採用する保険は基本的には上述の如く掛け捨て感覚の保険であるから、例えば１年に１回の契約更新の度に保険金額を設定できるという点では、保険金額設定の自在性は高い。しかし、長期間の払込期間における保険金額を保険加入時の保険設計にて設定するような場合には、自然保険料方式でも、以下に説明するように、保険金額設定の自在性は高くない。
【００１９】
すなわち、加入時の保険設計において、保険金額の自由な設定を許容したとすると、保険金額の変化に応じて保険料が変化する。また、保険料は上述のように年齢に応じて変化する。したがって、この２つの要素、すなわち、保険金額の変化と年齢の変化の両方の影響を受けて、保険料は払込期間中に複雑に変化することになる。このように保険料が複雑に変化することは好ましく、このことが、自然保険料においても保険金額の自在な設定が行われていない要因になっていると考えられ、そして、最も一般には保険金額は一定に設定される。
【００２０】
以上に説明したように、従来は、平準保険料および自然保険料にそれぞれ不利な点があり、特に両者共に保険設計の自在性に関して不利である。したがって、従来の保険料のデータ処理装置も、自在な保険設計に対応できないという難点を有する。
【００２１】
本発明は上記背景の下でなされたものであり、その目的は、自在な保険設計に適応でき、さらには平準保険料や自然保険料の従来の不利な点も改善できる保険料データ処理装置および方法を提供することにある。
【００２２】
また、本発明の対象は保険に限定されない。特に、近時、金融業界の業務および商品の仕切が変化する中、保険以外の金融商品に本発明が適用されてもよい。この観点で、本発明の別の目的は、保険料等の金融商品への払込金のデータ処理に関して、上述と同様の課題を解決する装置および方法を提供することにある。
【００２３】
【課題を解決するための手段】
本発明のある態様は、生命保険への保険料の払込履歴を記録する生命保険料データ処理装置であって、貯蓄型保険の保険料である貯蓄保険料の払込履歴を記録し、払い込まれた前記貯蓄保険料の貯蓄金額を記録する貯蓄保険料記録部と、保障型保険の保険料である保障保険料の払込履歴を記録する保障保険料記録部と、前記保障型保険の払込期間中の各払込時点における保険金額と顧客から受け付けられる受付保険料の予定額とを記憶する契約内容記憶部と、前記保障型保険の前記払込期間中の各払込時点における自然保険料方式の保険料率を記憶する自然保険料率記憶部と、前記払込期間に沿った各払込時点にて受け付けられた受付保険料を入力する受付情報入力部と、払込処理部と、を備え、前記払込処理部は、前記払込期間中の各払込時点にて前記受付情報入力部から入力された受付保険料を取得して、前記受付情報入力部に入力された受付保険料と前記契約内容記憶部に記憶された受付保険料の予定額が一致するかを確認し、前記契約内容記憶部に記憶された該当払込時点の保険金額と前記自然保険料率記憶部に記憶された該当払込時点の保険料率を読み出して、読み出した保険金額と保険料率を掛けることで該当払込時点の予定保障保険料を算出し、算出された前記予定保障保険料が前記受付保険料より小さいときは、前記予定保障保険料の払込履歴を前記保障保険料記録部に記録するとともに、前記受付保険料と前記予定保障保険料の差額を前記貯蓄保険料記録部の貯蓄金額に加算し、前記予定保障保険料が前記受付保険料より大きいときは、前記予定保障保険料と前記受付保険料の差額を前記貯蓄保険料記録部の貯蓄金額から引く処理を前記貯蓄保険料記録部に行うとともに、前記予定保障保険料の払込履歴を前記保障保険料記録部に記録する。好ましくは、本発明の装置は、前記払込期間に沿った前記各払込時点で前記所定の受付保険料の受付を示す情報を取得する受付情報取得手段を含み、前記受付情報取得手段は、前記所定の受付保険料として、前記予定保障保険料と前記払込期間の総額が一致し、かつ、前記予定保障保険料の変化を吸収可能に予め設定された金額の払込の情報を取得する。上記構成が設けられたことで、受付保険料と予定保障保険料の差を吸収するために貯蓄型保険が利用されて、予定保障保険料が受付保険料より小さいときには、予定保障保険料を上回る受付保険料が貯蓄保険料となり、予定保障保険料が受付保険料より大きいときには、既に貯蓄されている貯蓄保険料が削されて保障保険料になり、そして下記のような本発明の利点が得られる。
【００２４】
本発明によれば、保険設計にて保険金額が払込期間中に変化するように設定される場合でも、このような設定に対して保険料払込のデータ処理装置が適切に対応でき、したがって保険設計の自在性を増大できる。
【００２５】
すなわち、本発明では、本来的に自在な保険設計に適用困難な平準保険料は採用せず、自然保険料を採用している。ただし、自然保険料の場合に、保険設計にて保険金額を払込期間中に変化させると、保険金額の変化と、自然保険料で見られる年齢に応じた保険料の変化により、保険料は複雑に変化することになる。この点に配慮して、本発明の装置は、こうした複雑に変化する保険料をそのまま受け付けるのではなく、そのような保険料とは異なって設定された受付保険料を受け付ける。そして、この受付保険料と実際の保険料との差を、保障型保険と関連付けられた貯蓄型保険を使って吸収するデータ処理が行われる。これにより、自然保険料に基づく保険料の払込は確実に行いつつ、受け付ける保険料は、複雑に変化する保険料から、より変化の少ない保険料にできる。保険金額のいろいろな設定およびそれらに伴う保障保険料のいろいろな変化にも本発明の装置は対応できる。以上より、保険金額が払込期間中に変化する保険設計にも適切に対応でき、本発明によれば、保険設計の自在性を増大することができる。
【００２６】
また、本発明によれば、平準保険料ではなく自然保険料を採用しているので、保険料の管理負担が大きいという平準保険料の不利を改善できる。また、受付保険料を適切に設定することで、高齢時に保険料が増大するという自然保険料の不利も改善でき、すなわち、高齢時の保険料を平準保険料のように抑えられる。したがって、本発明によれば、自然保険料と平準保険料の両方の利点が得られる好適な保険料データ処理装置を提供できる。
【００２７】
本発明は、最近注目されている、いわゆる口座付きの生命保険に適している。この種の保険では、貯蓄機能をもつ口座に保険料を貯め、口座から保障保険料を支払うことができる。本発明は、この種の口座付き生命保険に、自然保険料方式の保障型保険を組み合わせる。口座と保障型保険の保険料データ処理が、保障に関して自然保険料の原理に基づいて行われる。保障保険料が複雑に変化するような設定がなされていても、口座の貯蓄機能を利用して、保障保険料と受付保険料の差が吸収され、これにより上述した本発明の利点が好適に得られる。
【００２８】
好ましくは、受付保険料は払込期間で一定に設定されるが、本発明はこれに限定されない。また、ある程度の調整等によって受付保険料が多少変化する場合も、本発明では、受付保険料が一定であると考えてよい。
【００２９】
また好ましくは、前記所定の受付保険料は、払込期間を複数に分割した分割期間ごとに設定される。この場合には、分割期間毎に受付保険料を一定にすることが好ましい。本発明によれば、上述した本発明の利点により保険料の複雑な変化を受付保険料で吸収しつつ、適当な分割期間毎に受付保険料を設定でき、顧客のニーズに対する一層の適合が図れる。
【００３０】
好ましくは、前記払込処理手段は、各払込時点で払い込まれる受付保険料の全部を貯蓄保険料とするとともに、貯蓄保険料から予定保障保険料相当の金額を保障型保険にまわすデータ処理を行う。本態様によれば、受付保険料を一旦貯蓄保険料として、必要額を保障にまわすので、データ処理を簡素にできる。顧客にとっても、保険料の流れが分かりやすいという利点が得られる。
【００３１】
好ましくは、本発明の装置は、上記保障目的の受付保険料に加えて積立目的の受付保険料の処理を行い、積立目的の受付保険料を貯蓄保険料として記録する。本発明によれば、顧客は適切な保障を受けることに加えて貯蓄もでき、便利である。
【００３２】
本発明の適用対象は生命保険に限定されない。すなわち、本発明の別の態様は、金融商品への払込金の払込履歴を記録する金融商品払込金データ処理装置であって、貯蓄型金融商品の払込金である貯蓄払込金の払込履歴を記録し、払い込まれた前記貯蓄払込金の貯蓄金額を記録する貯蓄払込金記録部と、保障型金融商品の払込金である保障払込金の払込履歴を記録する保障払込金記録部と、前記保障型金融商品の払込期間中の各払込時点における保障金額と顧客から受け付けられる受付払込金の予定額とを記憶する契約内容記憶部と、前記保障型金融商品の前記払込期間中の各払込時点における自然保障払込金方式の払込金料率を記憶する自然保障払込金料率記憶部と、前記払込期間に沿った各払込時点にて受け付けられた受付払込金を入力する受付情報入力部と、払込処理部と、を備え、前記払込処理部は、前記払込期間中の各払込時点にて前記受付情報入力部から入力された受付払込金を取得して、前記受付情報入力部に入力された受付払込金と前記契約内容記憶部に記憶された受付払込金の予定額が一致するかを確認し、前記契約内容記憶部に記憶された該当払込時点の保障金額と前記自然保障払込金料率記憶部に記憶された該当払込時点の払込金料率を読み出して、読み出した保障金額と払込金料率を掛けることで該当払込時点の予定保障払込金を算出し、算出された前記予定保障払込金が前記受付払込金より小さいときは、前記予定保障払込金の払込履歴を前記保障払込金記録部に記録するとともに、前記受付払込金と前記予定保障払込金の差額を前記貯蓄払込金記録部の貯蓄金額に加算し、前記予定保障払込金が前記受付払込金より大きいときは、前記予定保障払込金と前記受付払込金の差額を前記貯蓄払込金記録部の貯蓄金額から引く処理を前記貯蓄払込金記録部に行うとともに、前記予定保障払込金の払込履歴を前記保障払込金記録部に記録する。本態様によっても、上述の本発明と同様の利点が得られる。
【００３３】
本態様において、金融商品は、本発明が適用可能なものであればよい。金融商品は生命保険でもよい。この場合に、１つの生命保険契約の一部が貯蓄（積立）保険であり、一部が保障保険でもよい。生命保険契約の主契約部分が貯蓄で、特約部分が保障でもよい。逆に、生命保険契約の主契約部分が保障で、特約部分が貯蓄でもよい。さらに、別々の契約である貯蓄型保険と保障型保険の組合せに対して、本発明が適用されてもよい。
【００３４】
金融商品は、銀行等、生命保険以外の金融機関によって提供されてもよい。銀行が保障型保険または他の保障型金融商品を提供することも考えられる。その場合に、銀行預金と保障型金融商品の組合せに、本発明が適用されてもよい。
【００３５】
金融商品が複数の金融機関によって提供されてもよい。一例としては、銀行により銀行預金が提供され、生命保険会社により保障保険が提供される。顧客が銀行に払い込んだ預金から、自然保険料で構成される保障保険料のデータが、生命保険会社へと転送される。
【００３６】
次の態様は、金融商品が複数の金融機関によって提供される場合に適している。すなわち、本態様は、金融商品への払込に関するデータを処理する金融商品払込データ処理装置であって、払込期間の経過に沿って順次受け付けられる受付払込金を、貯蓄のための貯蓄払込金として記録する貯蓄処理手段と、保障を得るための保障払込金の予定額である予定保障払込金を示す情報を記憶する予定払込金記憶手段と、前記予定保障払込金に相当する金額を示す情報を、保障払込金の払込処理を行う保障データ処理装置へ向けて送出するための処理を行う送出処理手段と、を含み、前記予定払込金記憶手段には、払込期間中の保障金額を顧客のニーズに応じて変化させる商品設計を行う金融商品のために、商品設計にて設定された保障金額に対応する各払込時点の自然保険料等の自然保障払込金方式の予定保障払込金を示す情報が記憶されており、前記払込期間の経過に沿った前記各払込時点での所定の受付払込金の受付に応じ、前記受付払込金と前記予定保障払込金の差を吸収するために前記貯蓄払込金の貯蓄を利用し、予定保障払込金が受付払込金より小さいときには、予定保障払込金を上回る受付払込金を貯蓄払込金として残し、予定保障払込金が受付払込金より大きいときには、既に貯蓄されている貯蓄払込金を送出する処理を行う。この態様によっても、上述した本発明の利点が同様に得られる。
【００３７】
上記の態様は、貯蓄側のデータ処理に着目している。次の態様は、保障型のデータ処理に着目している。
【００３８】
すなわち、本態様は、金融商品への払込に関するデータを処理する金融商品払込データ処理装置であって、保障を得るための保障払込金の予定額である予定保障払込金に相当する金額を示す情報を、払込期間の経過に沿って順次、貯蓄を作るための貯蓄払込金の払込処理を行う貯蓄データ処理装置から受け取る受取処理手段と、受け取った金額を用いて、保障払込金の払込が行われたことを記録する保障払込処理手段と、を含み、前記予定保障払込金は、払込期間中の保障金額を顧客のニーズに応じて変化させる商品設計を行う金融商品のために、商品設計にて設定された保障金額に対応して自然保険料等の自然保障払込金方式で設定されており、前記貯蓄データ処理装置から、各払込時点の予定保障払込金と受付払込金の差に応じて、予定保障払込金が受付払込金より小さいときには、前記予定保障払込金を上回る受付払込金を貯蓄払込金として残しつつ送出された保障払込金を受け取り、予定保障払込金が受付払込金より大きいときには、既に貯蓄されている貯蓄払込金を削って送出された保障払込金を受け取る処理を行う。この態様によっても、上述した本発明の利点が同様に得られる。
【００３９】
本発明は、上述したような装置の態様に限定されなくてよい。本発明の別の態様は、保険料データのコンピュータ処理方法でもよく、そのような方法をコンピュータに実行させるためのプログラムでもよく、そのようなプログラムを記録した媒体でもよい。
【００４０】
【発明の実施の形態】
以下、本発明の好適な実施の形態を図面を参照して説明する。
【００４１】
図６は、本実施形態の保険料データ処理装置１０を示している。本装置１０は、生命保険会社に設置されるコンピュータにより構成される。本装置１０は、単独のコンピュータで構成されてもよく、また、複数のコンピュータを接続したシステムで構成されてもよい。本装置１０は、生命保険会社が顧客と結んでいる保険契約に関して、保険料の払込のデータを処理する。払込のデータ処理としては、払込履歴の記録が行われる。この記録により、どの保険契約の保険料が契約通りに払い込まれ、どの保険契約の保険料は払い込まれていない、といったことが管理可能となる。
【００４２】
なお、以下の説明において、本実施形態では、受付保険料、自然保険料等の保険料が説明されるが、これらの保険料は手数料等の金額を含んだ値でよい。
【００４３】
図６に示すように、保険料データ処理装置１０は、払込処理部１２および払込保険料記録部１４を有し、払込保険料記録部１４は、貯蓄保険料記録部１６および保障保険料記録部１８を含む。
【００４４】
払込処理部１２は、払込データ処理を行う。払込データ処理では、払込期間の経過に沿って順次保険料が受け付けられる。本実施形態では保険料は毎月受け付けられる（ただし本発明は月払いに限定されないことはもちろんである）。また保険料は、例えば、銀行引落、給料天引きなどを通じて本装置１０に受け付けられる。
【００４５】
受け付けられる保険料を、本実施形態では、「受付保険料」という。本発明では、顧客から生命保険会社に受け付けられた金額と、その金額を使って各保険に払い込まれる金額と、を明確に区別するために、受付保険料という用語を用いている。前者、すなわち、顧客から生命保険会社に受け付けられる金額が受付保険料である。受付保険料は、顧客の側から見ると、月毎に支払う保険料であり、払込金である。実際のシステムでは他の用語（例えば、払込保険料）が使われてよい。
【００４６】
顧客からの受付保険料の受付を示す情報（給与天引きなど）は、受付情報入力部１３に入力される。例えば、銀行から通信により受付保険料相当の金額を示す情報が取得される。そして、この情報が払込処理部１２に取得され、払込処理部１２により払込データ処理が行われる。
【００４７】
そして、払込データ処理では、受付保険料が、保障型保険の保障保険料および貯蓄型保険の貯蓄保険料として、払込保険料記録部１４に記録される。保障保険料の払込は保障保険料記録部１８に記録され、貯蓄保険料の払込は貯蓄保険料記録部１６に記録される。払込データ処理は、後に説明するように、自然保険料で構成される予定保障保険料に基づいて行われる。
【００４８】
図７は、本実施形態において保険料の払込対象になる生命保険（保険商品）を示している。生命保険は、主契約部分と特約部分で構成される。主契約部分は口座としての機能をもつ。主契約部分には保険料を貯蓄することができる。主契約部分は保険料の積立に利用できる。一方、特約部分は、死亡保障等の保障型保険の役割を果たす。複数の保障型保険が設定されてもよい。そして、本実施形態では、貯蓄保険料は主契約部分に払い込まれ、貯められる保険料であり、保障保険料は特約部分に払い込まれる保険料である。
【００４９】
図６に戻り、保険料データ処理装置１０は、さらに、契約内容記憶部２０および自然保険料率記憶部２２を含む。契約内容記憶部２０は、保険契約の内容として、契約者の属性（氏名、住所、性別等）、契約年月日、契約時年齢、払込期間等を記憶している。自然保険料率記憶部２２は、自然保険料の保険料率を記憶している。自然保険料率記憶部２２は、図２に示される保険料率テーブルを記憶している。図５の平準保険料の保険料率テーブルと比べると明らかなように、自然保険料の保険料率の数は大幅に少なく、数十分の一以下であり、場合によっては千分の一またはそれ以下にもなり得る。なお、図２および図５には示されないが、平準保険料、自然保険料の双方において、さらに性別や払方（月払い等）などの要素に応じて保険料率は異なっている。また、本実施形態では、契約の年に設定された保険料率が、その後の払込期間に渡って保持され、使用される。
【００５０】
契約内容記憶部２０および自然保険料率記憶部２２は、以下に説明するように、予定保障保険料を示す情報を記憶する予定保険料記憶手段として機能する。本発明では、予定保険料記憶手段には、払込期間中の保険金額を顧客のニーズに応じて自在に変化させる保険設計を行う保障型保険のために、保険設計にて設定された各払込時点の保険金額に対応する自然保険料方式の予定保障保険料を示す情報が記憶される。しかし、ここでは説明を分かりやすくするために、まず、保険金額が一定の場合について説明する。
【００５１】
図８を参照する。図８中の保険金額は契約内容記憶部２０に記憶され、保険料率は自然保険料率記憶部２２に記憶されている。そして、保険金額に、各時点の自然保険料率を掛けると、各時点の予定保障保険料が得られる。例えば、図８において、契約時年齢は３０才であるとする。１０年経過時点の予定保障保険料は、４０才の保険料率を保険金額に掛けた値である。
【００５２】
このように、本実施形態では、保険金額および保険料率が、予定保障保険料を示す情報として用いられる。払込データ処理においては、上記の計算によって予定保障保険料を求められる。なお、予定保障保険料は、予め算出され、契約内容記憶部２０または他の記憶部に記憶されていてもよい。この場合は、記憶された予定額が、払込処理部１２によって読み出される。
【００５３】
また、契約内容記憶部２０は、毎月の受付保険料の金額（受付予定額）を記憶している。受付保険料は、予定保障保険料の最大予定額と最小予定額の間の値に、受付保険料の合計値が予定保障保険料の合計値と一致するように、設定されている。図８のように保険金額が一定であれば、最小予定額は払込期間の初期の保険料であり、最大予定額は、払込期間の終期の保険料である。さらに、本実施形態では、受付保険料が一定に設定されている。ただし、後述するように、受付保険料は一定でなくてもよい。
【００５４】
受付保険料は図８の下段に示されている。図中の斜めのライン（点線）は、予定保障保険料である。予定保障保険料の合計値と受付保険料の合計値が一致するように、受付保険料が設定される。すなわち、予定保障保険料のラインがつくる図形の面積と、受付保険料の水平線がつくる長方形の面積が一致するように、受付保険料が設定される。このような設定により、受付保険料は、後述する払込データ処理にて保障保険料の変化を吸収可能な金額になる。
【００５５】
次に、上記の自然保険料で構成される予定保障保険料に基づいた、本実施形態の払込データ処理を説明する。ここでも、説明を分かりやすくするために、保険金額が一定の場合の処理（図８の設定に対応）をまず説明する。保険金額を自在に変化させる場合の処理は、後述にて説明する。
【００５６】
払込処理部１２は、毎月、上記の受付保険料の受付に応じて、受付た金額が、契約内容記憶部２０に記憶された受付保険料と一致するか否かが確認される。そして、払込処理部１２は、受付保険料と予定保障保険料に基づいて以下のような処理を行う。予定保障保険料は、上述のように、契約内容記憶部２０の保険金額と自然保険料率記憶部２２の保険料率を用いて得られる。もちろん、予め記憶されている予定保障保険料が読み出されてもよい。
【００５７】
図９は、上から順に、払込期間の各時点における「保険金額」、「受付保険料（＝受付予定額）」、「貯蓄保険料の貯蓄金額」および「保障保険料の払込額（＝予定額）」を示している。受付保険料の欄には、受付保険料（実線）とともに予定保障保険料が点線で示されている。
【００５８】
図９において、払込期間の前半に対応する期間１では、予定保障保険料が受付保険料より小さい。このときには、払込処理部１２は、予定保障保険料を保障保険料として払い込み、残りの受付保険料を貯蓄する処理を行う。すなわち、保障保険料記録部１８には、予定通りの保障保険料の払込が記録される。一方、貯蓄保険料記録部１６では、予定保障保険料を上回る分の受付保険料だけ、貯蓄金額を増大させる処理が行われる。すなわち、受付保険料と予定保障保険料の差額が、それまでの貯蓄金額に加算される。
【００５９】
期間１の範囲内では、受付保険料が保障保険料より大きいので、貯蓄金額は増大する。受付保険料が一定であるのに対して、保障保険料は増大していくので、両者の差額は徐々に小さくなる。その結果、図９の貯蓄金額の曲線に示されるように、貯蓄金額の増加率は、期間１の範囲内で徐々に小さくなる。
【００６０】
次に、払込期間の後半に対応する期間２では、予定保障保険料が受付保険料より大きい。このときには、既に貯蓄されている貯蓄保険料を削って保障保険料にする払込データ処理が行われる。ここでは、予定保障保険料と受付保険料の差額に相当する金額を貯蓄金額から引く処理が、貯蓄保険料記録部１６に対して行われる。そして、保障保険料記録部１８には、予定通りの保障保険料の払込が記録される。
【００６１】
期間２の範囲内では、受付保険料より保障保険料が大きいので、貯蓄金額が減少する。受付保険料が一定であるのに対して、保障保険料は増大していくので、両者の差額は徐々に大きくなる。その結果、図９の貯蓄金額の曲線に示されるように、貯蓄金額の減少率は、期間２の範囲内で徐々に大きくなる。そして、期間１と期間２を合わせると、図９に示されるように、貯蓄金額は、弓形のカーブを描く。
【００６２】
このようにして、本実施形態では、予定保障保険料が変化するのに対して、受付保険料が一定な状況下で、払込処理部１２による処理が行われる。そして、予定保障保険料と受付保険料の差が、貯蓄保険料の貯蓄機能を利用して好適に吸収される。したがって、毎月の保障保険料を過不足無く適正に払い込む処理が行われる。
【００６３】
次に、自在な保険設計、すなわち顧客のニーズに応じて保険金額が変化する保険設計への、本実施形態の装置の対応について説明する。
【００６４】
図１０を参照する。図９の例では保険金額が一定であったのに対し、図１０の例では保険金額が途中で変化する。図１０の例では、払込期間の途中の一定期間における保険金額が、その前後よりも高く設定されている。子供の予想誕生時点、予想成人時点などに応じて、個々の顧客のニーズに適合するように保険金額および払込期間が設定されてよい。保険金額の値は任意でよく、例えば顧客の収入に応じて設定される。子供の予想誕生時点や顧客の収入等の入力条件に応答して保険設計を行う支援装置を利用して図１０のような保険設計を行うことも好適である。
【００６５】
前述のように、本実施形態では、保険加入時の保険設計にて、払込期間が顧客のニーズに応じて１年単位で任意に設計される。また、各年の保険金額も顧客のニーズに応じて任意に設定される。したがって、あらゆるパターンで保険金額が変化する保険設計が可能である。この点で、図１０の例は、比較的簡素な保険設計の例であり、より複雑な保険設計も本実施形態の装置は受付可能であり、例えば、子供の数等に応じてより複雑な保険設計が行われてもよい。
【００６６】
図１０の保険設計（保険金額と払込期間の設定）は、加入の際に保険契約締結時点で契約内容として定められ、契約内容記憶部２０に記憶されている。保険料率は保険料率記憶部２２に記憶されている。これらが予定保障保険料を示す情報であり、すなわち、各時点の保険金額と保険料率の積が、その時点の予定保障保険料である。図１０では、保険金額が、払込期間の途中のある範囲で、その前後よりも高く設定されている。自然保険料の料率は年齢に応じて高くなる。予定保障保険料は、自然保険料の料率を掛けた値である。したがって、予定保障保険料は、図１０に示されるように推移する。
【００６７】
図１０の受付保険料は、図８の場合と同様に設定される。すなわち、予定保障保険料の総額と受付保険料の総額とが一致するように、かつ、受付保険料が一定になるように、受付保険料が設定される。この受付保険料を毎月所定の日に受け付けたことを示す情報が、受付情報入力部１３から払込処理部１２に取得されることになる（受付情報取得手段として機能）。
【００６８】
ここで、図１０の例では、払込期間の経過に沿って保険金額が変化する。また、保険料率も年齢増に応じて変化する。両者の変化が影響するので、予定保障保険料は図１０に示されるように比較的複雑に変化する。これに対し、上記の算出処理で求められた受付保険料は、変化のない、安定した値であるといえる。
【００６９】
なお、図１０の例では、保険金額が変化するといっても、まだその変化は比較的少なく、比較的簡素な保険設計が行われている。より複雑に保険金額が変化する保険設計も、本実施形態の装置は受付可能である。例えば、子供の数等に応じてより複雑な保険設計が行われてもよい。この場合には、予定保障保険料の変化も、更に複雑になる。そのような場合でも、本実施形態では、上述の原理に従って受付保険料が算出される。したがって受付保険料は、変化のない、安定した値になる。
【００７０】
また、上記の処理では、受付保険料は一定に設定されている。しかし、本発明の範囲内で、受付保険料は、一定の値に限定されなくてよい。すなわち、予定保障保険料と比べて、より変化が少なく、比較的安定している値であれば、受付保険料は一定でなくてもよい。
【００７１】
また、受付保険料の設定（図８、図１０）に際しては、予定利率が加味されてもよい。受付保険料の合計値が所定の利率に応じて割り引かれた値になるように、受付保険料が設定される。すなわち、受付保険料の合計に利率相当金額を加えると予定保障保険料の合計値に一致するように、受付保険料が設定される。
【００７２】
この場合にも、受付保険料は一定でもよく、また、一定でなくてもよい。後者に関しては、各払込時点で受付保険料と同時点までの利率関係金額の合計が常に一定になるように、各時点の受付保険料が設定されてもよい。ただし、このような設定においても、利率関係金額はそれほど大きくないので、受付保険料は全体的にはほぼ一定である。このような場合、すなわち細かくは受付保険料が一定でない場合も、本発明の範囲では受付保険料が一定であると考えてよい。
【００７３】
図１１は払込データ処理を示している。上から順に、払込期間の各時点における「保険金額」、「受付保険料（＝受付予定額）」、「貯蓄保険料の貯蓄金額」および「保障保険料の払込額（＝予定額）」が示されている。
【００７４】
払込データ処理では、予定保障保険料が受付保険料より小さいときには、払込処理部１２は、予定保障保険料が保障保険料として払い込まれ、残りの受付保険料が貯蓄された状態になる処理を行う。一方、予定保障保険料が受付保険料より大きいときには、既に貯蓄されている貯蓄保険料を削って保障保険料にすることにより、予定保障保険料が払い込まれた状態になる処理を行う。これらの処理は、図９を参照して説明した処理と同様でよい。そして、ここでも、予定保障保険料と受付保険料の差が、貯蓄保険料の貯蓄機能を利用して好適に吸収され、毎月の保障保険料を過不足無く適正に払い込む処理が行われる。
【００７５】
以上が、払込期間中に保険金額が変化する場合の払込データ処理である。図１０および図１１の例から明らかなように、本実施形態の保険料払込に関するデータ処理は、保険金額が払込期間内でどのように変化しようと、払込期間の長さがどれくらいであろうと、そのような設定に拘わらず同様でよい。
【００７６】
図６に戻り、保険料データ処理装置１０には、さらに、払込情報出力処理部２４および出力装置２６が設けられている。払込情報出力処理部２４は、図示しない入力装置から入力されるオペレータの指示に応じて、保険料の払込に関する情報を出力装置２６に出力させる。また、定期的に所定の情報が自動出力されてもよい。出力される情報は、契約内容記憶部２０、払込保険料記録部１４といった記憶部から読み出される。出力される情報は、例えば、過去から現在までの払込履歴の情報である。また、保険契約の内容の情報も出力される。出力装置２６は、典型的には、ディスプレイおよびプリンタである。出力装置２６は、情報を外部へ送信してもよい。情報は、通信で設計データ処理装置へ送られ、営業員等に提供されてもよい。
【００７７】
以上、本発明の好適な実施形態を説明した。本実施形態によれば、保険設計にて保険金額が払込期間中に変化するように設定される場合でも、このような設定に対して保険料払込のデータ処理装置が適切に対応でき、したがって保険設計の自在性を増大できる。
【００７８】
この点について更に説明すると、まず、平準保険料では保険設計の自在性は基本的に低い。そこで、本実施形態では、自然保険料を採用している。ただし、自在な保険設計と自然保険料を組み合わせると、保障保険料が複雑に変化するので、この点に適切に配慮した保険料データ処理装置の提供が求められる。
【００７９】
そこで、本実施形態の装置は、複雑に変化する保険料をそのまま受け付けるのではなく、そのような保険料とは異なって設定された受付保険料を受け付ける。そして、この受付保険料と実際の保険料との差が、保障型保険と関連付けられた貯蓄型保険を使って吸収される。これにより、自然保険料に基づく保険料の払込は確実に行いつつ、受け付ける保険料は、複雑に変化する保険料から、より変化の少ない保険料にできる。保険金額のいろいろな設定およびそれらに伴う保障保険料のいろいろな変化にも本発明の装置は対応可能である。以上より、保険金額が払込期間中に変化する保険設計にも適切に対応でき、本実施形態によれば、保険設計の自在性を増大することができる。
【００８０】
また、本実施形態によれば、平準保険料ではなく自然保険料を採用しているので、保険料の管理負担が大きいという平準保険料の不利を改善できる。また、受付保険料を適切に設定することで、高齢時に保険料が増大するという自然保険料の不利も改善でき、すなわち、高齢時の保険料を平準保険料のように抑えられる。したがって、本実施形態によれば、自然保険料と平準保険料の両方の利点が得られる好適な保険料データ処理装置を提供できる。
【００８１】
平準保険料を採用しないことの利点を説明すると、まず、図２と図５を比較すると明らかなように、自然保険料の保険料率のバリエーションは、平準保険料と比べると圧倒的に少ない。したがって保険料率の管理が大幅に簡単になる。保険料率の数は、数十分の一以下、場合によっては千分の一以下にもなり得ると考えられる。また、平準保険料方式を採用するときには、責任準備金レートを管理する必要がある。責任準備金レートは、保険料率よりもさらに大きな情報量をもつ。この責任準備金レートが、本実施形態では不要になる。当然、管理の負担もなくなる。同様に、解約返戻金レートも不要になり、管理負担もなくなる。実際のところ、生命保険会社のシステムにとって、保険料率、責任準備金レート、解約返戻金レートの管理は大きな負担である。この負担を削減できると、コストダウンが可能となり、そして、顧客へのサービス向上が図れる。
【００８２】
本実施形態は、最近注目されている、いわゆる口座付きの生命保険（図７）に適している。この種の保険では、貯蓄機能をもつ口座に保険料を貯め、口座から保障保険料を支払うことができる。本実施形態は、この種の口座付き生命保険に、自然保険料方式の保障型保険を組み合わせる。口座と保障型保険の保険料データ処理が、保障に関して自然保険料の原理に基づいて行われる。口座の貯蓄機能を利用して、保障型保険の保障保険料が変化しても、保障保険料と受付保険料の差が吸収され、これにより上述した本発明の利点が好適に得られる。
【００８３】
また本実施形態は、上記の自在性のあるカスタマイズ保険を提供したとしても、責任準備金のマイナス値が発生しないという点でも有利である。また自在性の提供により、いわゆる逓減定期保険、生存給付金付定期保険はなくてもよくなる。また、保険金額の自在性の増大は、同時に、保険料の自在性の増大でもある。したがって、本発明は、保険料の自在性の増大という利点も得られる。顧客は、契約時、保険金額を自在に設定する代わりに、保険料を自在に設定できるようにしてもよい。
【００８４】
なお、本実施形態では、保険金額の値と変化の様子が顧客のニーズに応じて任意に設定され、払込期間も任意に設定される。本発明の範囲内で、これらの設定にある程度の制約が設けられてもよい。例えば保険金額の最小単位金額が設定されてもよく（例えば１００万円、段階的に設定可能）、また、保険金額が一定であるべき最小単位期間が設定されてもよい（例えば３年単位で保険金額を変更可能にする）。このような制約は、データ処理の簡素化に寄与し、また、顧客にとっても保険設計が容易になる。このような制約を設けたとしても、従来の保険設計にはない自在性が十分に得られる。したがって、自在性の増大には、上記例のような制約を設ける場合も含まれる。
【００８５】
また、既に言及したが、本発明において、「顧客のニーズに応じた保険設計」では、単に顧客の希望に従って、その通りに保険金額等が設定されてもよい。また、各顧客の固有の条件、例えば、家族構成（子供の年齢等）、年収等に基づいて、適当なコンピュータアルゴリズムを使用して保険金額等が算出されてもよい。さらに、これらの組合わせが採用されてもよい。
【００８６】
「適用される自然保険料率の設定時期」
ここで、払込データ処理に適用される自然保険料率の設定時期についてさらに言及する。本実施形態では、前述のように、契約の年に設定された保険料率が、その後の払込期間に渡って保持され、使用される。したがって、自然保険料率記憶部２２からは、契約の年に設定された保険料率が読み出される。例えば、契約の年が２００１年であり、このとき、顧客の年齢が３０歳であるとする。２００１年に設定された保険料率が自然保険料率記憶部２２に保持される。そして、２０１０年のある月の払込データ処理のためには、自然保険料率記憶部２２から、２００１年に設定された４０歳の保険料率が読み出される。
【００８７】
しかし、本発明の範囲内で、各時点の払込データ処理のために、同時点で設定される自然保険料率が使用されてもよい。上記の例を用いて説明する。すなわち、契約の年が２００１年であり、顧客の年齢が３０歳であるとする。２０１０年の払込に関しては、自然保険料率記憶部２２は、２０１０年のために設定された自然保険料率を記憶している。そして、自然保険料率記憶部２２から、２０１０年用の４０歳の自然保険料率が読み出される。
【００８８】
上記の構成は、予定保障保険料を示す情報として保険金額および保険料率を示す情報を用いている。本実施形態では、前述のように、予定保障保険料そのものが記憶され、使用されてもよい。そして、この場合も、適用される自然保険料率については同様である。例えば、本装置は、契約時点（２００１年）のために設定される自然保険料率に基づいた予定保障保険料を記憶している。この予定保障保険料が、払込データ処理のために読み出される。そして、契約時点（２００１年）と払込時点（２０１０年）のための自然保険料率が異なる場合、払込時点の自然保険料率を反映するように、予定保障保険料が調整される。そして払込データ処理が行われる。
【００８９】
このように、本発明の範囲内で、予定保障保険料は、契約時点の自然保険料率を反映した金額に限定されず、例えば、上記のように払込時点の自然保険料率を反映した金額でもよい。そして、上記のように契約時点以外の自然保険料率を適用する構成も、予定保険料記憶手段と払込処理手段を有する本発明の範囲に含まれる。
【００９０】
以上、払込処理に適用される自然保険料率の設定時期について説明した。次に、払込データ処理における金額情報の移動に関して、好適な実施形態を説明する。
【００９１】
図１２および図１３は、払込データ処理における金額情報の移動について、より詳細に説明している。図１２および図１３は、既に説明した払込データ処理の好適な一形態である。本実施形態では、払込処理部１２は、以下に説明するように、受付保険料を一旦貯蓄保険料としてから、貯蓄保険料から保障保険料を払い込む処理を行う。
【００９２】
図１２を参照すると、まず、払込処理部１２は、毎月の受付保険料を受け付けたとき、受付保険料の全額を貯蓄保険料とする処理を行う。すなわち、受付保険料の全額が貯蓄保険料として払い込まれたことを示す情報が、貯蓄保険料記録部１６に記録される。
【００９３】
それから、払込処理部１２は、毎月支払うべき保障保険料（予定保障保険料）を貯蓄保険料から支払う処理を行う。すなわち、貯蓄保険料記録部１６から保障保険料記録部１８へと予定保障保険料を移動する処理が行われる。ここでは、貯蓄保険料記録部１６に記録された情報を処理し、貯められている貯蓄保険料から、保障保険料として必要な金額が引かれる。そして、保障保険料記録部１８に、保障保険料の払込が記録される。
【００９４】
図１３は、受付保険料が予定保障保険料より大きい場合と小さい場合のそれぞれについて、図１２の処理がどのように行われるかを示している。図１３の左側では、受付保険料が予定保障保険料より大きい。この場合には、受付保険料の一部が貯蓄保険料記録部１６に残る。図１３の右側では、受付保険料が予定保障保険料より小さい。この場合には、受付保険料だけでは足りないので、貯蓄金額の一部が貯蓄保険料記録部１６から掃き出され、保障保険料記録部１８にまわされる。
【００９５】
本実施形態によれば、保障保険料が低いときには貯蓄金額が増大し、保障保険料が高くなると貯蓄金額が削られ、すなわち結果的に上述した本発明の処理が行われている。そして、本発明の処理が、受付保険料と予定保障保険料の大小に関係なく、同じようにデータを扱うことにより実現される。すなわち、どちらの場合も、受付保険料の全額を貯蓄金額に加算し、必要額が保障側にまわされる。したがって、上記の点に関してデータ処理がいつも同じでよく、簡素になる。
【００９６】
そして、本実施形態によれば、保険料の払込履歴の記録では、受付保険料が貯蓄の口座に流れ込み、そこから一部が保障にまわされる。顧客にとって金銭の流れが把握しやすい、という利点も得られる。
【００９７】
図１４は、本実施形態の払込データ処理の別の例を示している。この例では、受付保険料（受付予定額）の設定が、上述の実施形態に対して変形されている。すなわち、上述の実施形態では、払込期間の全体において、受付保険料が一定（均一）であった。これに対し、本実施形態では、払込期間が複数の分割期間へと分割される（分割数および各期間の長さは図に限定されない）。そして、分割期間ごとに受付保険料が設定される。この際、受付保険料は、分割期間における予定保障保険料の合計値に基づいて最大予定額と最小予定額の間に設定され、この点は上記の実施形態と同様である。より詳細には、分割期間における予定保障保険料の合計値と分割期間における受付保険料の合計値とが一致するように、かつ、一定に、受付保険料が設定される。
【００９８】
上記の設定によれば、図１４に示されるように、受付保険料は階段状に変化する。すなわち、分割期間が経過する度に変わる。そして、貯蓄保険料は、各分割期間において、上述の実施形態と同様の弓形ラインを描く。保障保険料の払込額は上述の実施形態と同様である。
【００９９】
本実施形態において、分割期間の長さは、適当に固定されていてもよい。また、顧客の要求等に応じて、任意に変更されてもよい。図１４の例では、保険金額が変化するタイミングと、分割期間の切れ目とが一致しているが、このような設定にも本発明は限定されず、両タイミングはずれていてよい。
【０１００】
また、本実施形態では、分割期間内で受付保険料が一定である。しかし、分割期間内で受付保険料が適当に変化してもよい。この点は、上述の払込期間全体における受付保険料の算出と同様である。
【０１０１】
本実施形態によれば、上記の分割期間を利用した受付保険料の設定により、保険料の払方のバリエーションが増えるので、本実施形態のシステムが顧客にとってさらに便利になる。上述したように保険料の複雑な変化を受付保険料で吸収しつつ、適当な分割期間毎に受付保険料を設定でき、顧客のニーズに対する一層の適合が図れる。
【０１０２】
図１５は、払込データ処理の別の例を示している。上述の実施形態では、貯蓄型保険（特約部分）は、保障保険料に後に使うべき受付保険料を一時的に貯めておくために利用された。本実施形態では、この保障のための使い方に加え、本来の貯蓄機能も利用される。
【０１０３】
図１５は、要するに、図１１のデータ処理に、毎月の一定額の積立（貯蓄）処理を加えたものである。図１５の２段目において、上側は、既に説明した保障用の受付保険料であり、一方、下側は、貯蓄用の受付保険料であり、これらの合計が、毎月の全体の受付保険料である。
【０１０４】
保障保険料の払込は、予定保障保険料（図１５の２段目における点線）に基づき、図１１の例と同様に行われる（図１５の４段目）。また、毎月、積立用の受付保険料に相当する金額の積立が行われる（図１５の５段目）。その結果、図１５の３段目に示されるように、貯蓄金額が推移する。すなわち、毎月の積立金が一定のペースで貯蓄金額を増大させる。加えて、保障保険料のために一時的に貯蓄される金額が、図１１と同様の弓形ラインを描く。払込期間の経過時点では、積立金の総計が貯蓄金額として残る。
【０１０５】
積立用の受付保険料も、保障用の保険料と同様に扱われる。すなわち、積立用の受付保険料の受付を示す情報が、受付情報入力部１３に入力され、払込処理部１２に取得される。そして、受付保険料の金額が、貯蓄保険料として貯蓄保険料記録部１６に記録される。実際の処理では、積立用と保障用の受付保険料の合計額が受け付けられ、これらがまとめて処理されてよい。
【０１０６】
本実施形態の処理によれば、顧客は適切な保障を受けることはもちろん、それとともに貯蓄もでき、便利である。本実施形態が実用化されるとき、保険の貯蓄機能が本来通りに使われることが多く、したがって、図１５のデータ処理が行われることが多いと考えられる。
【０１０７】
図１６は、払込データ処理の別の例を示している。図１６の処理では、図１４と図１５の処理が組み合わされている。本来の積立金は、払込期間に渡って一定のペースで増大する。保障保険料に関しては、３つの分割期間が設定されている。分割期間ごとに本発明の処理が行われる。すなわち、分割期間ごとに、貯蓄機能を利用しつつ、自然保険料で構成される保障保険料が払い込まれる。
【０１０８】
図１７は、払込データ処理の別の例を示している。図１７は、図１６の変形例といえる。図１７では、保険金額は一定に設定されている。また、図１７では、全体の受付保険料は一定に設定される。したがって、保障に関連した受付保険料（本発明の処理に関する受付保険料であり、すなわち、貯蓄され、後から保障にまわされる保険料を含む）が段階的に増大するのに対応して、積立を目的とする受付保険料は段階的に減少する。したがって、貯蓄金額において、積立金額の増加のペースが段階的に変化する。保障関連の設定は図１６と同様であり、したがって、保障に関係して、貯蓄金額は分割期間毎にカーブを描く。
【０１０９】
図１８は、図１６と基本的には同様であるが、データ処理の内容をより詳細に説明している。またここでは保険金額が一定に設定されている。
【０１１０】
１つ目の分割期間において、その前半では、積立用保険料（主契約）に加えて、図中で「差額を積立」と記載されるように、保障側の保険料の一部が積み立てられる。後半では、貯蓄された積立金から、保障保険料（特約）の不足分が取り崩され、保障保険料が払い込まれる。１つ目の分割期間が経過すると、２つ目の分割期間において同様の処理が行われる。ただし、２つ目の分割期間における保障保険料のための毎月の受付保険料（点線）は、１つ目の分割期間の受付保険料より大きい。
【０１１１】
図１８のイメージ図では、保障保険の保険期間は８０歳までである。一方、払込期間は８０歳未満、例えば６０歳である。この場合、保険料の払込は６０歳で終了する。６０歳から８０歳までは、専ら、貯蓄金額が取り崩されて保障保険料が支払われる。
【０１１２】
図１９を参照すると、本発明は、図７の生命保険に限らず、他の生命保険にも適用できる。図７の生命保険は、貯蓄のための主契約と、保障のための特約とで構成されていた。これに対し、図１９の生命保険は、互いに別契約である貯蓄型保険と保障型保険の組合せで構成されている。これらの保険の間で、保険料が移動する。こうした生命保険（この種の保険も口座タイプといわれることがある）にも本発明を適用可能である。
【０１１３】
図２０を参照すると、本発明は、さらに、生命保険に限らず、他の金融商品にも適用できる。図２０では、保障型金融商品と貯蓄型金融商品が組み合わされる。上述の実施形態と比べると、保障型金融商品が保障型保険（死亡保険等）に対応し、貯蓄型金融商品が貯蓄型保険に対応し、これらの金融商品の払込金が保険料に対応する。払込金のデータ処理装置の構成は、上記の変更点への対応を除き、上述の保険料データ処理装置と同様でよい。
【０１１４】
本発明を適用できる金融商品は、例えば銀行によって提供される。銀行は、従来より普通預金等の貯蓄型金融商品を提供している。さらに、金融業界が変化し、銀行により保障型金融商品が提供される可能性がある。このとき、銀行により提供される貯蓄型金融商品と保障型金融商品を利用して、本発明が実現されてもよい。これら金融商品は、別々の契約であってもよい。また一つの契約の一部が貯蓄型金融商品として機能し、一部が保障型金融商品として機能してもよい。
【０１１５】
また、本発明の範囲内で、金融商品が複数の金融機関によって提供されてもよい。顧客から受け付けられる払込金は、本発明のデータ処理により、一の金融機関が提供する貯蓄型金融商品の払込金、および、他の金融機関が提供する保障型金融商品の払込金、になる。一例としては、銀行により銀行預金が提供され、生命保険会社により保障保険が提供される。顧客が銀行に払い込んだ預金から、自然保険料で構成される保障保険料のデータが、生命保険会社へと転送される。
【０１１６】
図２１を参照すると、本実施形態のシステム３０は、２つの払込データ処理装置３２、３４で構成される。一方は銀行側のデータ処理装置３２（貯蓄データ処理装置の例）であり、他方は保険側のデータ処理装置３４（保障データ処理装置の例）である。両装置は接続され、データ通信可能に構成されている。通信される情報には、払込金データが含まれる。
【０１１７】
銀行側のデータ処理装置３２は、貯蓄処理部３６、貯蓄払込金記録部３８、予定保障払込金記憶部４０および送信処理部４２を含む。
【０１１８】
貯蓄処理部３６は、順次受け付けられる受付払込金を、貯蓄をつくるための貯蓄払込金として、貯蓄払込金記録部３８に記録する。例えば、貯蓄払込金は銀行預金であり、貯蓄払込金記録部３８は銀行口座データを記憶する。
【０１１９】
予定保障払込金記憶部４０は、保障を得るための保障払込金に関して、自然保険料等の自然保障払込金で構成される予定保障払込金を示す情報を記憶する。ここでは、保障払込金は保障保険料であり、したがって、上述の実施形態の予定保障保険料が記憶される。
【０１２０】
ここで、本発明では、自然保障払込金および自然保障払込金方式は、下記の意味である。保障型保険は、保障型金融商品の一形態である。保障型保険における自然保険料の理論は、保障型保険以外の保障型金融商品にも適用可能である。そして、自然保障払込金は、保険における自然保険料の理論を保障型金融商品に適用したときの払込金である。この自然保障払込金を使う方式が、自然保障払込金方式であり、これは自然保険料方式と対応する。
【０１２１】
送信処理部４２は、予定保障払込金４０に記憶された予定保障払込金に基づいて、予定保障払込金に相当する金額を示す情報を、保険側のデータ処理装置３４へ送出するための処理を行う。
【０１２２】
保険側のデータ処理装置３４は、受取処理部４４、保障払込処理部４６および保障払込金記録部４８を有する。
【０１２３】
受取処理部４４は、銀行側のデータ処理装置３２から、予定保障払込金に相当する金額を示す情報を受け取る。この処理は、保障払込金の送金の受け取りに相当する。保障払込処理部４６は、保障払込金記録部４８に、保障払込金が払い込まれたことを記録する。保障払込金記録部４８は、図６の保障保険料記録部に相当する。
【０１２４】
その他、図２１には示されていないがが、図６の装置と同様、銀行側データ処理装置３２および保険側データ処理装置３４の双方は、払込情報出力処理部および出力装置を備え、払込情報出力処理部は、図示しない入力装置から入力されるオペレータの指示に応じて、保険料の払込に関する情報を出力装置に出力させる。
【０１２５】
図２１のシステムにおいては、予定保障払込金および受付払込金が、上述の予定保障保険料および受付保険料に対応する。そして、各時点の予定保障払込金が受付払込金より小さいときには、受付払込金の一部が貯蓄として残る。すなわち、保障保険料が銀行への預入金より小さいときには、預入金の一部が銀行口座に残り、貯蓄される。そして、予定保障払込金より受付払込金が小さいときには、既に貯蓄されている貯蓄払込金が取り崩され、保険側に送信される。すなわち、保障保険料より預入金が小さいときには、貯蓄された預金の一部が取り崩され、保険側に送信され、保険料の一部になる。このようにして、本実施形態によれば、複数のデータ処理装置により、上述の図６の装置と同様の処理が行われて、本発明のデータ処理が行われる。そして、本形態によっても、平準保険料の原理に従った料率管理の負担を削減し、保障型金融商品の商品設計の自在性を増大できる。
【０１２６】
本実施形態は、本発明の範囲内で変形可能なことはもちろんである。本発明は、上述したようなデータ処理装置およびデータ処理方法の形態以外の形態によって実現されてもよい。他の形態は、例えば、コンピュータを本実施形態のデータ処理装置として機能させるためのプログラム（またはその記録媒体）である。
【０１２７】
【発明の効果】
以上のように、本発明によれば、自在な保険設計に適応可能な保険料データ処理装置および方法を提供でき、これにより自在な保険設計を実現できる。また本発明によれば、自然保険料および平準保険料の長所を兼ね備える保険料データ処理装置を提供できる。
【図面の簡単な説明】
【図１】自然保険料を示す図である。
【図２】自然保険料の保険料率テーブルを示す図である。
【図３】平準保険料を示す図である。
【図４】平準保険料が適用される保険料データ処理装置の例を示す図である。
【図５】平準保険料方式の保険料率テーブルの例を示す図である。
【図６】本発明の好適な実施形態における保険料データ処理装置を示す図である。
【図７】図６の装置の払込対象になる生命保険を示す図である。
【図８】図６の装置による保険料払込データ処理に関して予定保障保険料および受付保険料の設定を示す図である。
【図９】図６の装置による保険料払込データ処理を示す図である。
【図１０】保険契約内容の自在な設定について、保険金額が途中で変化する保険が設定されたときの、図６の装置による保険料払込データ処理に関して予定保障保険料および受付保険料の設定を示す図である。
【図１１】保険契約内容の自在な設定について、保険金額が途中で変化する保険が設定されたときの、図６の装置による保険料払込データ処理を示す図である。
【図１２】図１１の払込データ処理の好適な一形態であって、受付保険料を貯蓄保険料として記録してから、その一部を保障にまわす払込データ処理を示す図である。
【図１３】図１１の払込データ処理の好適な一形態であって、受付保険料を貯蓄保険料として記録してから、その一部を保障にまわす払込データ処理を示す図である。
【図１４】払込データ処理の別の例であって、分割期間ごとに受付保険料が設定される処理を示す図である。
【図１５】払込データ処理の別の例であって、図１１の処理と通常の積立処理との組合せの処理を示す図である。
【図１６】図１４と図１５の組合せの払込データ処理を示す図である。
【図１７】図１６に対して、全体の受付保険料が一定に設定されるときの払込データ処理を示す図である。
【図１８】図１６の処理をより詳細に示す図である。
【図１９】別契約の貯蓄と保障で構成される生命保険への本発明の適用を示す図である。
【図２０】生命保険以外の金融商品への本発明の適用を示す図である。
【図２１】銀行と生命保険のデータ処理装置によって本発明のデータ処理が行われるときの実施形態を示す図である。
【符号の説明】
１０保険料データ処理装置
１２払込処理部
１４払込保険料記録部
１６貯蓄保険料記録部
１８保障保険料記録部
２０契約内容記憶部
２２自然保険料率記憶部[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an apparatus and method for processing data related to payment of insurance premiums to life insurance, and more particularly to an advantageous apparatus and method that can be applied to a more flexible insurance design.
[0002]
Furthermore, the present invention is not limited to life insurance, and can also be applied to an apparatus and method for processing data of other financial products.
[0003]
[Prior art]
Traditionally, life insurance companies use computer systems to process premium payments for a vast number of contracts. Usually, when joining the insurance, the payment period and the insurance amount are set in the insurance design, and the insurance premium is determined according to the setting. Then, the insurance premium determined by the contract is accepted, and the payment of the insurance premium is recorded in the database. This processing is performed on a fixed day every month, for example, for a monthly payment contract. There are two types of insurance premiums: natural insurance premiums and level insurance premiums.
[0004]
FIG. 1 shows natural insurance premiums. The natural insurance premium is an insurance premium that is not leveled like the leveled insurance premium described later. The natural insurance premium is, for example, an insurance premium for a one-year withdrawal contract. If it is a natural insurance premium for death protection, the amount is set according to the death rate. Since the mortality rate increases with age, the natural insurance premium increases with age as shown in the figure.
[0005]
FIG. 2 shows an insurance premium rate table for natural insurance premiums. The insurance premium rate is a parameter generally used for calculating the insurance premium, and the insurance premium is obtained by multiplying the insurance amount by the insurance premium rate. The insurance rate is determined according to age, and the higher the age, the higher the rate.
[0006]
As described above, in the case of natural insurance premiums, insurance premiums increase with age, making payment difficult. This is the level insurance premium.
[0007]
FIG. 3 represents level insurance premiums. The level insurance premium (straight line) is generally set constant. Compared to the natural insurance premium (dotted line), the level of the premium is higher than that of the natural insurance when you are young, and the natural insurance premium is higher than the level of the premium when elderly. As shown in the lower part of Fig. 3, the difference between the level premium and the natural premium at a young age becomes the policy reserve, and the difference between the natural premium and the level premium is filled by the policy reserve when aging.
[0008]
FIG. 4 shows an example of a data processing apparatus applied to payment of level insurance premiums. The payment processing unit 1 records in the payment recording unit 2 that the level insurance premium has been paid. If it is monthly payment, payment processing is performed every month. This level insurance premium is an amount determined in a contract in advance according to the principle of FIG.
[0009]
FIG. 5 shows an insurance rate table used for calculation of level insurance premiums. The insurance premium rate for level insurance premiums varies according to age (at the time of contract), payment period and insurance period. Therefore, insurance premium rates corresponding to various combinations of age at contract, payment period and insurance period are obtained in advance, and a table of insurance premium rates as shown in FIG. 5 is prepared. Insurance premiums are calculated with reference to this table. As is clear from comparison between FIG. 2 and FIG. 5, the number of level premiums for level premiums is significantly larger than that for natural premiums determined according to age (FIG. 2), and therefore the table is large.
[0010]
Further, as shown in FIG. 5, in the case of the level insurance premium method, the payment period is roughly set to 5 years, 10 years, 15 years, and the like. This kind of rough setting is widely adopted in normal life insurance. And this rough setting contributes to reducing the number of premiums and thereby reducing the burden of managing premiums. However, even if this rough setting is adopted, the number of level premiums for level premiums is still very large as shown in the figure.
[0011]
Although not shown in FIGS. 2 and 5, the insurance premium rates differ depending on factors such as gender and payment (monthly payment, etc.) in both the level premium and the natural insurance premium.
[0012]
[Problems to be solved by the invention]
Leveled premiums have the advantage that the increase in premiums when aging can be suppressed by leveling premiums as described above. On the other hand, as can be seen from the fact that the insurance premium rate table in FIG. 5 is large, the level insurance premium is disadvantageous in that the burden of insurance premium management is large.
[0013]
Further, in the level insurance premium, the payment period is set roughly as described above. In insurance design, one of these coarsely set up payment periods is selected. Therefore, the level premium is disadvantageous in that the flexibility of insurance design is low with respect to the payment period.
[0014]
Standard insurance premiums are not limited not only in the payment period but also in setting the insurance amount. In other words, the level insurance premium method is based on the assumption that the insurance amount is constant over the payment period, so it is inherent in insurance design that changes the insurance amount during the payment period. Not suitable. Therefore, the insurance amount is not flexible in terms of the insurance amount and is not suitable for custom-made insurance that meets the needs of each customer.
[0015]
Even now, there are some insurances where the insurance amount changes along the way, such as the diminishing type. However, in this case as well, the form of the change in the insurance amount is determined in advance, and the insurance premium rate that matches the form is determined. Therefore, free setting of insurance amount is not permitted. Rather, the level of insurance design constraints is close to the case where the insurance amount is fixed.
[0016]
Next, consider the natural insurance premium method. In the case of natural insurance premiums, as is clear from the relationship between the insurance premium rate tables shown in FIGS. 2 and 5, the burden of insurance premium management is relatively small.
[0017]
However, as already mentioned, in the case of natural insurance premiums, there is a disadvantage that the insurance premiums at the time of the elderly become high and the payment becomes difficult.
[0018]
Conventionally, insurance that employs natural insurance premiums has basically been abandoned as described above. For example, the insurance amount can be set each time a contract is renewed once a year. The flexibility of setting the amount is high. However, when the insurance amount for a long payment period is set by the insurance design at the time of joining the insurance, the flexibility of setting the insurance amount is not high as described below even with the natural insurance premium method.
[0019]
In other words, if the insurance design at the time of enrollment allows a free setting of the insurance amount, the insurance premium changes according to the change in the insurance amount. In addition, the insurance premium changes according to the age as described above. Therefore, insurance premiums change in a complex manner during the payment period, affected by both of these two factors, namely the change in insurance amount and the change in age. It is preferable that insurance premiums change in a complex manner like this, and this is considered to be a factor that the insurance amount is not set freely even in natural insurance premiums, and most commonly the insurance amount. Is set constant.
[0020]
As described above, conventionally, there are disadvantages in level insurance premiums and natural insurance premiums, both of which are disadvantageous in terms of flexibility in insurance design. Therefore, the conventional insurance premium data processing apparatus also has a drawback that it cannot cope with flexible insurance design.
[0021]
The present invention has been made under the above-mentioned background, and the object thereof is an insurance premium data processing apparatus that can be applied to a flexible insurance design and that can also improve the conventional disadvantages of level insurance premiums and natural insurance premiums. It is to provide a method.
[0022]
The subject of the present invention is not limited to insurance. In particular, the present invention may be applied to financial products other than insurance while the business of the financial industry and the partition of products are changing recently. From this point of view, another object of the present invention is to provide an apparatus and a method for solving the same problems as described above regarding data processing of payments to financial products such as insurance premiums.
[0023]
[Means for Solving the Problems]
An aspect of the present invention is that insurance premiums for life insurance areRecord payment historyA life insurance premium data processing device,Record the payment history of savings premiums, which are insurance premiums for savings type insurance, and save savings premium recording unit that records the amount of savings of the saved insurance premiums paid, and insurance premiums that are insurance premiums for security type insurance A security premium recording unit for recording a payment history, a contract content storage unit for storing an insurance amount at each payment point during the payment period of the security-type insurance and a scheduled amount of a received premium received from a customer, and the security The natural insurance premium rate storage unit that stores the premium rate of the natural insurance premium method at the time of each payment during the payment period of the type insurance, and the reception that receives the received premium received at each payment time along the payment period An information input unit; and a payment processing unit, wherein the payment processing unit acquires the received insurance premium input from the reception information input unit at each payment point in the payment period, and inputs the reception information Entered in the department Check whether the insurance premium attached and the scheduled amount of the received insurance premium stored in the contract content storage unit match, and the insurance amount at the time of payment stored in the contract content storage unit and the natural insurance rate storage unit The stored premium rate at the time of payment is read, and the planned insurance premium at the time of payment is calculated by multiplying the read insurance amount and the insurance rate. The calculated insurance premium is calculated from the received insurance premium. When it is small, the payment history of the scheduled insurance premium is recorded in the insurance premium recording unit, and the difference between the received insurance premium and the scheduled insurance premium is added to the savings amount of the saving insurance premium recording unit, When the scheduled insurance premium is larger than the received insurance premium, the saving insurance premium recording unit performs a process of subtracting the difference between the scheduled insurance premium and the received insurance premium from the saved amount of the saving insurance premium recording unit. Monitor, to record the payment history of the scheduled security insurance premiums to the guarantee insurance premium recording unit. Preferably, the apparatus of the present invention includes reception information acquisition means for acquiring information indicating reception of the predetermined reception insurance premium at each payment time point along the payment period, wherein the reception information acquisition means is the predetermined information As the received insurance premium, information on payment of an amount set in advance so that the total amount of the scheduled insurance premium and the payment period coincides and the change in the scheduled insurance premium can be absorbed is acquired. With the above configuration, When savings-type insurance is used to absorb the difference between the insurance premium received and the scheduled insurance premium, and the insurance premium is less than the insurance premium received, the insurance premium exceeding the insurance premium becomes the saving insurance premium. When the scheduled insurance premium is larger than the received insurance premium, the saved insurance premium already saved is reduced to the insurance premium, and the following advantages of the present invention can be obtained.
[0024]
According to the present invention, even when the insurance amount is set so as to change during the payment period in the insurance design, the data processing device for paying the insurance premium can appropriately cope with such a setting. Flexibility can be increased.
[0025]
In other words, the present invention adopts natural insurance premiums instead of adopting level insurance premiums that are inherently difficult to apply to flexible insurance design. However, in the case of natural insurance premiums, if the insurance amount is changed during the payment period in the insurance design, the insurance premium will be complicated due to changes in the insurance amount and changes in the insurance premium according to the age seen in the natural insurance premium. Will change. In consideration of this point, the apparatus of the present invention does not accept such complicated premiums as they are, but accepts reception premiums set differently from such premiums. Then, data processing is performed to absorb the difference between the received premium and the actual premium using a savings type insurance associated with the guarantee type insurance. Thereby, the insurance premium received based on the natural insurance premium can be surely paid, and the insurance premium to be accepted can be changed from an insurance premium that changes in a complicated manner to an insurance premium with less change. The apparatus of the present invention can cope with various settings of the insurance amount and various changes in the security premiums accompanying them. As described above, it is possible to appropriately cope with insurance design in which the insurance amount changes during the payment period, and according to the present invention, the flexibility of insurance design can be increased.
[0026]
In addition, according to the present invention, since the natural insurance premium is adopted instead of the standard insurance premium, the disadvantage of the level insurance premium that the management burden of the insurance premium is large can be improved. In addition, by appropriately setting the reception premium, the disadvantage of the natural premium that the premium increases at the age of seniority can be improved, that is, the premium at the time of seniority can be suppressed like a level premium. Therefore, according to the present invention, it is possible to provide a suitable premium data processing apparatus that can obtain the advantages of both the natural premium and the level premium.
[0027]
The present invention is suitable for life insurance with a so-called account, which has recently attracted attention. In this type of insurance, insurance premiums can be stored in an account with a saving function, and security insurance premiums can be paid from the account. The present invention combines this type of life insurance with an account with a natural insurance premium type insurance. Insurance premium data processing for accounts and security insurance is performed based on the principle of natural insurance premiums. Even if the insurance premium is set to change in a complicated manner, the savings function of the account is used to absorb the difference between the insurance premium and the insurance premium received. can get.
[0028]
Preferably, the reception premium is set to be constant in the payment period, but the present invention is not limited to this. In addition, even when the received insurance premium changes slightly due to some adjustment or the like, the received insurance premium may be considered to be constant in the present invention.
[0029]
Preferably, the predetermined reception insurance premium is set for each divided period obtained by dividing the payment period into a plurality of periods. In this case, it is preferable to make the received insurance premium constant for each divided period. According to the present invention, due to the above-described advantages of the present invention, it is possible to set a reception insurance premium for each appropriate division period while absorbing a complicated change in the insurance premium with the reception insurance premium, and to further meet customer needs. .
[0030]
Preferably, the payment processing means performs a data process in which all of the received insurance premiums paid at the time of each payment are saved insurance premiums, and an amount corresponding to the planned security insurance premiums from the saved insurance premiums is sent to the security insurance. According to this aspect, the received insurance premium is temporarily set as a savings insurance premium, and the necessary amount is paid for, so that data processing can be simplified. For customers, there is an advantage that the flow of insurance premiums is easy to understand.
[0031]
Preferably, the apparatus according to the present invention processes a received insurance premium for the purpose of accumulation in addition to the received insurance premium for the security purpose, and records the received insurance premium for the purpose of saving as a saving insurance premium. According to the present invention, the customer can save money in addition to receiving appropriate security, which is convenient.
[0032]
The application target of the present invention is not limited to life insurance. That is, another aspect of the present invention provides:A financial product payment data processing device for recording a payment history of payments to a financial product, recording a payment history of a savings payment that is a payment of a savings type financial product, and A savings payment recording unit for recording the amount of savings, a security payment recording unit for recording a payment history of a security payment, which is a payment for a security-type financial product, and each payment point in the payment period of the security-type financial product The contract content storage unit that stores the guarantee amount and the scheduled amount of accepted payment received from the customer, and the payment rate of the natural security payment method at the time of each payment during the payment period of the security-type financial product A natural security payment rate storage unit, a reception information input unit for inputting a reception payment received at each payment time point along the payment period, and a payment processing unit, the payment processing unit, Payment period The receipt payment input from the reception information input unit at each payment point in time is acquired, and the receipt payment entered in the reception information input unit and the receipt payment stored in the contract content storage unit Check whether the planned amounts match, and read the amount of payment at the time of payment stored in the contract content storage unit and the payment rate of payment at the time of payment stored in the natural security payment rate storage unit The planned security payment at the time of payment is calculated by multiplying the amount of security paid and the rate of payment, and when the calculated scheduled security payment is smaller than the received payment, the payment history of the scheduled security payment is When recording in the security payment recording unit and adding the difference between the received payment and the scheduled security payment to the savings amount of the savings payment recording unit, and when the planned security payment is larger than the received payment Is A process for subtracting the difference between the scheduled security payment and the received payment from the savings amount of the savings payment recording unit is performed on the savings payment recording unit, and the payment history of the scheduled security payment is recorded in the security payment recording To record.According to this aspect, the same advantages as those of the present invention described above can be obtained.
[0033]
In this aspect, the financial product only needs to be applicable to the present invention. The financial product may be life insurance. In this case, part of one life insurance contract may be saving (funded) insurance, and part may be insurance. The main contract part of a life insurance contract may be savings and the special contract part may be a guarantee. Conversely, the main contract part of a life insurance contract may be security and the special contract part may be savings. Furthermore, the present invention may be applied to a combination of saving type insurance and guarantee type insurance which are separate contracts.
[0034]
Financial products may be provided by financial institutions other than life insurance, such as banks. It is also conceivable for banks to offer insurance-type insurance or other insurance-type financial products. In that case, the present invention may be applied to a combination of a bank deposit and a security-type financial product.
[0035]
A financial product may be provided by a plurality of financial institutions. As an example, a bank deposit is provided by a bank and a security insurance is provided by a life insurance company. Security insurance premium data consisting of natural insurance premiums is transferred from the deposit paid by the customer to the bank to the life insurance company.
[0036]
The following aspect is suitable when the financial product is provided by a plurality of financial institutions. That is, this aspect is a financial product payment data processing apparatus for processing data related to payment to a financial product, and records received payments that are sequentially accepted along the payment period as saving payments for savings. Saving processing means, scheduled payment storage means for storing information indicating a scheduled security payment, which is a scheduled amount of security payment for obtaining security, and information indicating an amount corresponding to the scheduled security payment, Sending processing means for performing processing for sending to the guarantee data processing device for performing payment processing of the security payment, and the scheduled payment storage means is configured to meet the customer's needs with the security amount during the payment period. Information indicating the planned security payment for natural security payment methods such as natural insurance premiums at the time of payment corresponding to the security amount set in the product design for financial products whose product design changes accordingly The savings payment is stored in order to absorb the difference between the received payment and the scheduled security payment in accordance with reception of a predetermined received payment at each payment time point along the payment period. When the planned security payment is smaller than the received payment, the received payment exceeding the planned security payment is left as the savings payment, and when the planned security payment is larger than the received payment, it is already saved. Process to send out the savings payment. According to this aspect, the above-described advantages of the present invention can be obtained similarly.
[0037]
The above aspect focuses on data processing on the saving side. The next aspect focuses on guaranteed data processing.
[0038]
That is, this aspect is a financial product payment data processing apparatus for processing data relating to payment to a financial product, and information indicating an amount corresponding to a planned security payment, which is a planned amount of security payment for obtaining security The payment is paid using the receipt processing means that receives the payment amount from the savings data processing device that performs the payment processing of the savings payment to make the savings sequentially along the payment period. Security payment processing means for recording that, the planned security payment is a product design for a financial product that performs product design to change the security amount during the payment period according to customer needs. It is set by the natural security payment method such as natural insurance premiums corresponding to the set security amount, and from the savings data processing device, according to the difference between the planned security payment at the time of each payment and the received payment, plans When the disability payment is smaller than the received payment, the received security payment is received while the saving payment is higher than the planned payment, and when the planned payment is larger than the received payment, A process of receiving the security payment sent by saving the saved payment is saved. According to this aspect, the above-described advantages of the present invention can be obtained similarly.
[0039]
The present invention need not be limited to the embodiment of the apparatus as described above. Another aspect of the present invention may be a insurance data computer processing method, a program for causing a computer to execute such a method, or a medium on which such a program is recorded.
[0040]
DETAILED DESCRIPTION OF THE INVENTION
Preferred embodiments of the present invention will be described below with reference to the drawings.
[0041]
FIG. 6 shows the insurance premium data processing apparatus 10 of the present embodiment. The apparatus 10 is configured by a computer installed in a life insurance company. The apparatus 10 may be configured by a single computer or a system in which a plurality of computers are connected. The apparatus 10 processes premium payment data for an insurance contract that a life insurance company has with a customer. As a payment data process, a payment history is recorded. This record makes it possible to manage which insurance contract premiums are paid as contracted and which insurance contract premiums are not paid.
[0042]
In the following description, in this embodiment, insurance premiums such as a reception insurance premium and a natural insurance premium are described. However, these insurance premiums may be values including amounts such as a fee.
[0043]
As shown in FIG. 6, the insurance premium data processing apparatus 10 includes a payment processing unit 12 and a payment insurance premium recording unit 14, and the payment insurance premium recording unit 14 includes a savings insurance premium recording unit 16 and a security insurance premium recording unit. 18 is included.
[0044]
The payment processing unit 12 performs payment data processing. In the payment data processing, insurance premiums are received sequentially as the payment period elapses. In this embodiment, insurance premiums are received every month (however, the present invention is not limited to monthly payments). The insurance fee is accepted by the apparatus 10 through, for example, bank withdrawal, payroll deduction, and the like.
[0045]
The insurance premium that is accepted is referred to as “reception insurance premium” in the present embodiment. In the present invention, the term “received premium” is used in order to clearly distinguish between the amount received by the life insurance company from the customer and the amount paid to each insurance using the amount. The former, that is, the amount accepted by the life insurance company from the customer is the received premium. From the customer's perspective, the reception premium is a premium paid monthly and is a paid-in fee. Other terms (eg, paid premiums) may be used in the actual system.
[0046]
Information indicating reception of insurance premiums received from customers (such as salary deduction) is input to the reception information input unit 13. For example, information indicating an amount equivalent to the received insurance premium is acquired from a bank by communication. Then, this information is acquired by the payment processing unit 12 and the payment processing unit 12 performs payment data processing.
[0047]
In the payment data processing, the received insurance premium is recorded in the payment insurance premium recording unit 14 as a security insurance premium for the security insurance and a saving insurance premium for the saving insurance. The payment of the insurance premium is recorded in the insurance premium recording unit 18, and the payment of the saving insurance premium is recorded in the saving insurance premium recording unit 16. As will be described later, the payment data processing is performed on the basis of the scheduled security premium composed of the natural insurance premium.
[0048]
FIG. 7 shows a life insurance (insurance product) that is the subject of premium payment in this embodiment. Life insurance consists of a main contract part and a special contract part. The main contract part functions as an account. Insurance premiums can be saved in the main contract. The main contract part can be used to accumulate insurance premiums. On the other hand, the special contract part plays the role of security insurance such as death protection. A plurality of security type insurances may be set. In this embodiment, the saving insurance premium is an insurance premium paid and saved in the main contract portion, and the security insurance premium is an insurance premium paid in the special contract portion.
[0049]
Returning to FIG. 6, the insurance premium data processing apparatus 10 further includes a contract content storage unit 20 and a natural insurance premium rate storage unit 22. The contract content storage unit 20 stores the contractor attributes (name, address, gender, etc.), contract date, contract age, payment period, etc. as the contents of the insurance contract. The natural insurance premium rate storage unit 22 stores the insurance premium rate of the natural insurance premium. The natural insurance rate storage unit 22 stores the insurance rate table shown in FIG. As is clear from the insurance premium rate table in Figure 5, the number of premium rates for natural insurance premiums is significantly smaller, a few tenths or less, and in some cases one thousandth or less. Can also be. Although not shown in FIGS. 2 and 5, the insurance premium rates differ depending on factors such as gender and payment (monthly payment, etc.) in both the level premium and the natural insurance premium. In the present embodiment, the insurance premium rate set in the contract year is held and used for the subsequent payment period.
[0050]
The contract content storage unit 20 and the natural insurance premium rate storage unit 22 function as a scheduled insurance premium storage unit that stores information indicating the scheduled security premium as described below. In the present invention, the scheduled premium storage means stores each payment point set in the insurance design for the insurance-type insurance that performs the insurance design in which the insurance amount during the payment period is freely changed according to the customer's needs. The information indicating the scheduled insurance premium of the natural insurance premium system corresponding to the insurance amount is stored. However, here, in order to make the explanation easy to understand, the case where the insurance amount is fixed will be described first.
[0051]
Please refer to FIG. The insurance amount in FIG. 8 is stored in the contract content storage unit 20, and the insurance premium rate is stored in the natural insurance rate storage unit 22. Then, multiplying the insurance amount by the natural insurance rate at each point in time yields the scheduled insurance premium at each point. For example, in FIG. 8, it is assumed that the contract age is 30 years old. The estimated insurance premium at the time of 10 years is a value obtained by multiplying the insurance amount by the insurance rate for 40 years old.
[0052]
Thus, in the present embodiment, the insurance amount and the insurance premium rate are used as information indicating the scheduled security premium. In the payment data processing, the scheduled insurance premium is obtained by the above calculation. Note that the scheduled security premium may be calculated in advance and stored in the contract content storage unit 20 or another storage unit. In this case, the stored scheduled amount is read by the payment processing unit 12.
[0053]
In addition, the contract content storage unit 20 stores the amount of the received insurance premium (scheduled reception amount) every month. The reception insurance premium is set to a value between the maximum scheduled amount and the minimum scheduled amount of the scheduled security premium so that the total value of the received insurance premium matches the total value of the scheduled security premium. If the insurance amount is constant as shown in FIG. 8, the minimum planned amount is the initial premium for the payment period, and the maximum planned amount is the final premium for the payment period. Furthermore, in this embodiment, the reception insurance premium is set constant. However, as will be described later, the reception premium does not have to be constant.
[0054]
The insurance premiums received are shown in the lower part of FIG. The diagonal line (dotted line) in the figure is the scheduled insurance premium. The reception insurance premium is set so that the total value of the scheduled security premium matches the total value of the reception insurance premium. That is, the reception insurance premium is set so that the area of the figure formed by the line of the scheduled insurance premium matches the area of the rectangle formed by the horizontal line of the reception insurance premium. With such a setting, the received premium becomes an amount that can absorb the change in the guaranteed premium by the payment data processing described later.
[0055]
Next, payment data processing of the present embodiment based on the scheduled security premium composed of the natural insurance premium will be described. Here again, in order to make the explanation easy to understand, the process when the insurance amount is constant (corresponding to the setting in FIG. 8) will be described first. Processing in the case where the insurance amount is freely changed will be described later.
[0056]
The payment processing unit 12 confirms whether or not the received amount matches the received premium stored in the contract content storage unit 20 every month in response to the reception of the received premium. Then, the payment processing unit 12 performs the following processing based on the received premium and the scheduled security premium. As described above, the scheduled security premium is obtained by using the insurance amount in the contract content storage unit 20 and the insurance rate in the natural insurance rate storage unit 22. Of course, the scheduled insurance premium stored in advance may be read out.
[0057]
FIG. 9 shows, in order from the top, “insurance amount”, “acceptance premium (= scheduled acceptance amount)”, “saving amount of savings premium” and “payment amount of insurance premium” (= planning) at each point in the payment period Forehead) ”. In the column for the insurance premium received, the scheduled insurance premium is indicated by a dotted line along with the insurance premium (solid line).
[0058]
In FIG. 9, in period 1 corresponding to the first half of the payment period, the scheduled security premium is smaller than the received premium. At this time, the payment processing unit 12 performs a process of paying the scheduled insurance premium as the insurance premium and saving the remaining accepted insurance premium. That is, the insurance premium recording unit 18 records payment of the insurance premium as scheduled. On the other hand, the saving insurance premium recording unit 16 performs a process of increasing the savings amount by the received insurance premium that exceeds the planned security insurance premium. That is, the difference between the insurance premium received and the scheduled insurance premium is added to the previous savings.
[0059]
Within the range of period 1, the savings amount increases because the reception premium is larger than the security premium. While the insurance premiums received are constant, the insurance premiums increase, so the difference between them decreases gradually. As a result, as shown in the savings amount curve in FIG. 9, the increase rate of the savings amount gradually decreases within the range of period 1.
[0060]
Next, in period 2 corresponding to the second half of the payment period, the scheduled security premium is larger than the received premium. At this time, paid-in data processing is performed to reduce the saved insurance premium that has already been saved to make the insurance premium. Here, the saving insurance premium recording unit 16 performs a process of subtracting the amount corresponding to the difference between the scheduled insurance premium and the received insurance premium from the savings amount. The security insurance premium recording unit 18 records payment of the security insurance premium as scheduled.
[0061]
Within the range of period 2, the amount of savings decreases because the insurance premium is higher than the insurance premium received. While the insurance premium received is constant, the insurance premium increases, so the difference between the two increases gradually. As a result, as shown in the savings amount curve in FIG. When the period 1 and the period 2 are combined, as shown in FIG. 9, the savings amount draws a bow-shaped curve.
[0062]
In this way, in the present embodiment, while the scheduled security premium changes, the process by the payment processing unit 12 is performed under a situation where the received premium is constant. Then, the difference between the scheduled security premium and the reception premium is suitably absorbed using the saving function of the saving insurance premium. Therefore, the process of paying the monthly insurance premiums properly without excess or deficiency is performed.
[0063]
Next, a description will be given of the response of the apparatus of this embodiment to a flexible insurance design, that is, an insurance design in which the insurance amount changes according to customer needs.
[0064]
Please refer to FIG. In the example of FIG. 9, the insurance amount is constant, whereas in the example of FIG. 10, the insurance amount changes in the middle. In the example of FIG. 10, the insurance amount in a certain period in the middle of the payment period is set higher than before and after. The insurance amount and the payment period may be set so as to meet the needs of individual customers according to the expected birth date, expected adult time, and the like. The value of the insurance amount may be arbitrary, and is set according to the customer's income, for example. It is also preferable to perform the insurance design as shown in FIG. 10 using a support device that performs insurance design in response to input conditions such as the expected birth time of the child and the income of the customer.
[0065]
As described above, in this embodiment, the payment period is arbitrarily designed in units of one year according to the customer's needs in the insurance design at the time of insurance subscription. Also, the insurance amount for each year is arbitrarily set according to the needs of the customer. Therefore, it is possible to design an insurance in which the insurance amount changes in every pattern. In this respect, the example of FIG. 10 is an example of a relatively simple insurance design, and the device of this embodiment can accept a more complicated insurance design. For example, the more complicated insurance design is more complicated depending on the number of children, etc. Insurance design may be performed.
[0066]
The insurance design (setting of the insurance amount and the payment period) in FIG. 10 is determined as the contract content at the time of the insurance contract conclusion at the time of enrollment and is stored in the contract content storage unit 20. The insurance premium rate is stored in the insurance premium rate storage unit 22. These are pieces of information indicating the scheduled insurance premium, that is, the product of the insurance amount and the insurance rate at each time is the scheduled insurance premium at that time. In FIG. 10, the insurance amount is set higher than before and after a certain range in the middle of the payment period. The rate of natural insurance premiums increases with age. Scheduled insurance premiums are the product of natural insurance premiums. Therefore, the scheduled security premium changes as shown in FIG.
[0067]
The received premium in FIG. 10 is set in the same manner as in FIG. That is, the reception insurance premium is set so that the total amount of the scheduled insurance premium matches the total amount of the reception insurance premium and the reception insurance premium is constant. Information indicating that the received insurance premium is received on a predetermined day every month is acquired from the received information input unit 13 to the payment processing unit 12 (functions as a received information acquiring unit).
[0068]
Here, in the example of FIG. 10, the insurance amount changes as the payment period elapses. Insurance premium rates also change with age. Since the change of both influences, the plan insurance premium changes in a relatively complicated manner as shown in FIG. On the other hand, it can be said that the received premium calculated by the above calculation process is a stable value without change.
[0069]
In the example of FIG. 10, even if the insurance amount changes, the change is still relatively small, and a relatively simple insurance design is performed. An insurance design in which the insurance amount changes more complicatedly can be accepted by the apparatus of the present embodiment. For example, more complicated insurance design may be performed according to the number of children. In this case, the change in the scheduled insurance premium becomes more complicated. Even in such a case, in this embodiment, the received premium is calculated according to the above-described principle. Accordingly, the reception premium is a stable value that does not change.
[0070]
In the above process, the reception insurance premium is set constant. However, the received premium does not have to be limited to a certain value within the scope of the present invention. In other words, the received premium does not have to be constant as long as it is a value that is less changed and relatively stable compared to the scheduled security premium.
[0071]
In setting the reception premium (FIGS. 8 and 10), the planned interest rate may be taken into account. The reception insurance premium is set so that the total value of the reception insurance premium becomes a value discounted according to a predetermined interest rate. That is, the received insurance premium is set so that when the amount corresponding to the interest rate is added to the total received insurance premium, it matches the total value of the scheduled security insurance premium.
[0072]
Also in this case, the reception insurance premium may or may not be constant. Regarding the latter, the received insurance premiums at each time point may be set so that the sum of the interest-related amounts up to the same time as the received insurance premiums is always constant at the time of each payment. However, even in such a setting, the interest rate related amount is not so large, so the insurance premium received is almost constant as a whole. In such a case, that is, even when the received premium is not constant, it may be considered that the received premium is constant within the scope of the present invention.
[0073]
FIG. 11 shows the payment data processing. In order from the top, “insurance amount”, “acceptance premium (scheduled acceptance amount)”, “saving amount of savings insurance premium” and “payment amount of insurance premium (estimated amount)” at each point in the payment period It is shown.
[0074]
In the payment data processing, when the planned insurance premium is smaller than the received insurance premium, the payment processing unit 12 performs a process in which the scheduled insurance premium is paid as the insurance premium and the remaining received insurance premium is saved. . On the other hand, when the scheduled insurance premium is larger than the received insurance premium, the saving insurance premium that has already been saved is reduced to the insurance premium so that the scheduled insurance premium is paid. These processes may be the same as those described with reference to FIG. Also here, the difference between the scheduled insurance premium and the received insurance premium is suitably absorbed using the saving function of the saving insurance premium, and the monthly insurance premium is appropriately paid without excess or deficiency.
[0075]
The above is the payment data processing when the insurance amount changes during the payment period. As is clear from the examples of FIGS. 10 and 11, the data processing related to the premium payment in this embodiment is performed regardless of how the insurance amount changes within the payment period, and how long the payment period is. It may be the same regardless of such setting.
[0076]
Returning to FIG. 6, the insurance premium data processing device 10 is further provided with a payment information output processing unit 24 and an output device 26. The payment information output processing unit 24 causes the output device 26 to output information on payment of insurance premiums in response to an operator instruction input from an input device (not shown). Moreover, predetermined information may be automatically output periodically. The output information is read from storage units such as the contract content storage unit 20 and the paid insurance premium recording unit 14. The output information is, for example, information on the payment history from the past to the present. Information on the contents of the insurance contract is also output. The output device 26 is typically a display and a printer. The output device 26 may transmit information to the outside. The information may be sent to the design data processing device by communication and provided to a salesperson or the like.
[0077]
The preferred embodiment of the present invention has been described above. According to the present embodiment, even when the insurance amount is set to change during the payment period in the insurance design, the data processing device for paying the insurance premium can appropriately cope with such setting, and therefore the insurance Design flexibility can be increased.
[0078]
This point will be further explained. First of all, the level of insurance design flexibility is basically low with level premiums. Therefore, in this embodiment, a natural insurance premium is adopted. However, the combination of flexible insurance design and natural insurance premiums makes complex changes in insurance premiums, so it is necessary to provide insurance premium data processing devices that take this point into consideration.
[0079]
Therefore, the apparatus according to the present embodiment does not accept intricately changing insurance premiums as they are, but accepts reception insurance premiums set differently from such insurance premiums. Then, the difference between the received premium and the actual premium is absorbed by using the saving insurance associated with the security insurance. Thereby, the insurance premium received based on the natural insurance premium can be surely paid, and the insurance premium to be accepted can be changed from an insurance premium that changes in a complicated manner to an insurance premium with less change. The apparatus of the present invention can cope with various settings of the insurance amount and various changes in the security premiums accompanying them. From the above, it is possible to appropriately cope with insurance design in which the insurance amount changes during the payment period, and according to the present embodiment, the flexibility of insurance design can be increased.
[0080]
In addition, according to the present embodiment, since the natural insurance premium is adopted instead of the standard insurance premium, the disadvantage of the standard insurance premium that the management burden of the insurance premium is large can be improved. In addition, by appropriately setting the reception premium, the disadvantage of the natural premium that the premium increases at the age of seniority can be improved, that is, the premium at the time of seniority can be suppressed like a level premium. Therefore, according to this embodiment, it is possible to provide a suitable insurance premium data processing apparatus that can obtain the advantages of both the natural insurance premium and the level insurance premium.
[0081]
Explaining the advantages of not adopting level insurance premiums, first, as is clear from comparison between FIG. 2 and FIG. 5, the variation of the premium rate of natural insurance premiums is overwhelmingly small compared to level insurance premiums. Therefore, insurance rate management is greatly simplified. The number of insurance rates is considered to be several tenths or less, and in some cases, one thousandth or less. In addition, when adopting the level insurance premium method, it is necessary to manage the policy reserve rate. The policy reserve rate has a larger amount of information than the insurance premium rate. This policy reserve rate becomes unnecessary in this embodiment. Of course, the management burden is also eliminated. Similarly, the cancellation refund rate becomes unnecessary and the management burden is eliminated. In fact, managing the insurance premium rate, policy reserve rate and surrender value is a major burden for the life insurance company system. If this burden can be reduced, costs can be reduced and service to customers can be improved.
[0082]
The present embodiment is suitable for a life insurance with a so-called account (FIG. 7) that has been attracting attention recently. In this type of insurance, insurance premiums can be stored in an account with a saving function, and security insurance premiums can be paid from the account. In the present embodiment, this type of life insurance with an account is combined with a natural insurance premium type insurance. Insurance premium data processing for accounts and security insurance is performed based on the principle of natural insurance premiums. Even if the security insurance premium of the security-type insurance changes using the account saving function, the difference between the security insurance premium and the reception insurance premium is absorbed, and the above-described advantages of the present invention can be suitably obtained.
[0083]
Further, this embodiment is advantageous in that even if the above-mentioned flexible customized insurance is provided, a negative value of the policy reserve does not occur. In addition, by providing flexibility, there is no need for so-called diminishing periodic insurance and periodic insurance with survival benefits. Moreover, the increase in the flexibility of the insurance amount is also the increase in the flexibility of the insurance premium. Therefore, the present invention also has the advantage of increasing the flexibility of insurance premiums. The customer may be able to freely set the insurance premium at the time of contracting, instead of freely setting the insurance amount.
[0084]
In this embodiment, the value of the insurance amount and the state of change are arbitrarily set according to the customer's needs, and the payment period is also arbitrarily set. Some restrictions may be placed on these settings within the scope of the present invention. For example, the minimum unit amount of the insurance amount may be set (for example, 1 million yen, can be set in stages), or the minimum unit period for which the insurance amount should be constant may be set (for example, in units of 3 years) Insurance amount can be changed). Such restrictions contribute to simplification of data processing, and also facilitate insurance design for customers. Even if such a restriction is provided, the flexibility which is not found in the conventional insurance design can be obtained sufficiently. Therefore, the increase in flexibility includes the case where restrictions such as the above example are provided.
[0085]
Further, as already mentioned, in the present invention, in “insurance design according to customer needs”, the insurance amount or the like may be set according to the customer's desire. In addition, the insurance amount or the like may be calculated using an appropriate computer algorithm based on the unique conditions of each customer, for example, the family structure (children's age, etc.), annual income, etc. Further, a combination of these may be employed.
[0086]
“When to set the applicable natural insurance rate”
Here, further mention will be made of the setting time of the natural insurance premium rate applied to the payment data processing. In the present embodiment, as described above, the insurance rate set in the contract year is held and used for the subsequent payment period. Therefore, the insurance premium rate set in the contract year is read from the natural insurance premium rate storage unit 22. For example, it is assumed that the contract year is 2001 and the customer's age is 30 years. The insurance premium rate set in 2001 is held in the natural insurance premium rate storage unit 22. Then, for the payment data processing of a certain month in 2010, the 40-year-old insurance premium rate set in 2001 is read from the natural insurance premium rate storage unit 22.
[0087]
However, within the scope of the present invention, the natural insurance premium rate set at the same point may be used for the payment data processing at each time point. This will be described using the above example. That is, it is assumed that the contract year is 2001 and the customer's age is 30 years. Regarding the payment in 2010, the natural insurance premium rate storage unit 22 stores the natural insurance premium rate set for 2010. Then, the natural insurance premium rate for 40 years old for 2010 is read from the natural insurance premium rate storage unit 22.
[0088]
In the above configuration, information indicating the insurance amount and the insurance premium rate is used as information indicating the scheduled security premium. In the present embodiment, as described above, the scheduled security premium itself may be stored and used. In this case, the same applies to the applied natural insurance premium rate. For example, this apparatus stores a scheduled security premium based on a natural insurance premium rate set for the contract time (2001). This scheduled security premium is read for payment data processing. Then, when the natural insurance premium rates for the contract time (2001) and the payment time (2010) are different, the scheduled security premium is adjusted to reflect the natural insurance premium rate at the time of payment. Then, payment data processing is performed.
[0089]
Thus, within the scope of the present invention, the scheduled security premium is not limited to the amount reflecting the natural insurance premium rate at the time of contract, and may be, for example, the amount reflecting the natural insurance premium rate at the time of payment as described above. . And the structure which applies a natural insurance premium rate other than a contract time as mentioned above is also contained in the scope of the present invention which has a plan insurance premium storage means and a payment processing means.
[0090]
In the above, the setting time of the natural insurance premium rate applied to payment processing was demonstrated. Next, a preferred embodiment will be described regarding the movement of the amount information in the payment data processing.
[0091]
12 and 13 explain in more detail the movement of the amount information in the payment data processing. 12 and 13 show a preferred form of the payment data processing already described. In the present embodiment, the payment processing unit 12 performs a process of paying a security premium from a saved insurance premium once the received insurance premium is set as a saved insurance premium, as will be described below.
[0092]
Referring to FIG. 12, first, when the payment processing unit 12 receives a monthly received premium, the payment processing unit 12 performs a process of using the entire received premium as a savings premium. That is, information indicating that the entire amount of the received insurance premium has been paid as the saving insurance premium is recorded in the saving insurance premium recording unit 16.
[0093]
Then, the payment processing unit 12 performs a process of paying the insurance premium to be paid monthly (scheduled insurance premium) from the saved insurance premium. That is, a process for moving the scheduled insurance premium from the saving insurance premium recording unit 16 to the insurance premium recording unit 18 is performed. Here, the information recorded in the savings insurance premium recording unit 16 is processed, and an amount necessary as a security insurance premium is subtracted from the saved savings insurance premium. Then, payment of the insurance premium is recorded in the insurance premium recording unit 18.
[0094]
FIG. 13 shows how the process of FIG. 12 is performed for each of cases where the received premium is larger than the planned insurance premium and smaller. On the left side of FIG. 13, the reception premium is larger than the scheduled security premium. In this case, part of the received insurance premium remains in the savings insurance premium recording unit 16. On the right side of FIG. 13, the reception premium is smaller than the scheduled security premium. In this case, since the received premium is not enough, a part of the savings amount is swept out of the saving insurance premium recording unit 16 and sent to the security insurance premium recording unit 18.
[0095]
According to this embodiment, when the insurance premium is low, the saving amount increases, and when the insurance premium becomes high, the saving amount is reduced, that is, the above-described processing of the present invention is performed. The processing of the present invention is realized by handling data in the same manner regardless of the size of the received premium and the scheduled security premium. That is, in both cases, the total amount of the insurance premium received is added to the savings amount, and the necessary amount is sent to the guarantee side. Therefore, the data processing may always be the same with respect to the above points, and it becomes simple.
[0096]
According to the present embodiment, in the record of the insurance premium payment history, the accepted insurance premium flows into the savings account, and a part thereof is guaranteed. There is also an advantage that it is easy for customers to understand the flow of money.
[0097]
FIG. 14 shows another example of payment data processing of the present embodiment. In this example, the setting of the reception premium (scheduled reception amount) is modified with respect to the above-described embodiment. That is, in the above-described embodiment, the received premium is constant (uniform) throughout the payment period. On the other hand, in this embodiment, the payment period is divided into a plurality of divided periods (the number of divisions and the length of each period are not limited to those in the figure). A reception insurance premium is set for each divided period. At this time, the received premium is set between the maximum planned amount and the minimum planned amount based on the total value of the scheduled security premiums in the divided period, and this point is the same as in the above embodiment. More specifically, the received insurance premium is set so that the total value of the scheduled insurance premiums in the divided period and the total value of the received insurance premiums in the divided period coincide with each other.
[0098]
According to the above setting, as shown in FIG. 14, the reception insurance premium changes in a staircase pattern. That is, it changes every time the divided period elapses. And the savings insurance premium draws the same arcuate line as the above-mentioned embodiment in each division | segmentation period. The payment amount of the insurance premium is the same as that in the above embodiment.
[0099]
In the present embodiment, the length of the divided period may be appropriately fixed. Moreover, it may be arbitrarily changed according to a customer request or the like. In the example of FIG. 14, the timing at which the insurance amount changes coincides with the break of the division period, but the present invention is not limited to such a setting, and both timings may be off.
[0100]
In the present embodiment, the received premium is constant within the divided period. However, the insurance premium received may change appropriately within the divided period. This is the same as the calculation of the received premium for the entire payment period described above.
[0101]
According to the present embodiment, since the variation of how to pay the insurance premium is increased by setting the reception premium using the above-described divided period, the system of the present embodiment becomes more convenient for the customer. As described above, it is possible to set the reception premium for each appropriate division period while absorbing the complicated change in the premium with the reception premium, so that the customer's needs can be further adapted.
[0102]
FIG. 15 shows another example of payment data processing. In the above-described embodiment, the saving type insurance (special contract portion) is used to temporarily store the received premium to be used later as the security premium. In this embodiment, in addition to the usage for this guarantee, the original saving function is also used.
[0103]
In short, FIG. 15 is obtained by adding a certain amount of accumulation (saving) processing to the data processing of FIG. 11 every month. In the second row of FIG. 15, the upper side is the insurance premium for insurance already described, while the lower side is the insurance premium for saving, and the sum of these is the total monthly insurance premium received. It is.
[0104]
Payment of the insurance premium is performed in the same manner as in the example of FIG. 11 (fourth row in FIG. 15) based on the scheduled insurance premium (dotted line in the second row in FIG. 15). In addition, an amount corresponding to the received insurance premium for accumulation is accumulated every month (fifth stage in FIG. 15). As a result, the saving amount changes as shown in the third row of FIG. That is, the monthly reserve increases the savings amount at a constant pace. In addition, the amount of money temporarily saved for the insurance premium draws an arcuate line similar to FIG. At the end of the payment period, the total reserve fund remains as the savings amount.
[0105]
Reserve premiums for funding are handled in the same way as insurance premiums for security. In other words, information indicating reception of a funded reception premium is input to the reception information input unit 13 and acquired by the payment processing unit 12. Then, the amount of the received insurance premium is recorded in the saving insurance premium recording unit 16 as a saving insurance premium. In actual processing, the total amount of insurance premiums for funding and security can be received, and these can be processed together.
[0106]
According to the processing of the present embodiment, the customer can receive an appropriate security and can save together with it, which is convenient. When this embodiment is put into practical use, the insurance saving function is often used as it is, and therefore, the data processing of FIG. 15 is often performed.
[0107]
FIG. 16 shows another example of payment data processing. In the process of FIG. 16, the processes of FIGS. 14 and 15 are combined. The original reserve increases at a constant pace over the payment period. For insurance premiums, three division periods are set. The processing of the present invention is performed for each divided period. That is, for each divided period, the insurance premium composed of the natural insurance premium is paid using the saving function.
[0108]
FIG. 17 shows another example of payment data processing. FIG. 17 can be said to be a modification of FIG. In FIG. 17, the insurance amount is set constant. Moreover, in FIG. 17, the entire accepted insurance premium is set constant. Accordingly, the insurance premiums related to the security (the insurance premiums related to the processing of the present invention, that is, the insurance premiums that are saved and later sent to the insurance) are gradually increased. The insurance premiums for the purpose will decrease gradually. Therefore, in the savings amount, the increase rate of the reserve amount changes step by step. The security-related settings are the same as in FIG. 16, and therefore, the savings amount is drawn for each divided period in relation to the security.
[0109]
FIG. 18 is basically the same as FIG. 16, but the contents of the data processing are described in more detail. Here, the insurance amount is set constant.
[0110]
During the first split period, in the first half, in addition to the premium for savings (main contract), a portion of the insurance premium on the security side is saved as shown in the figure as “funding the difference” . In the second half, the shortage of security premiums (special contracts) is reversed from the saved funds, and security premiums are paid. When the first divided period has elapsed, the same processing is performed in the second divided period. However, the monthly insurance premium (dotted line) for the insurance premium in the second split period is larger than the insurance premium received in the first split period.
[0111]
In the image diagram of FIG. 18, the insurance period of the security insurance is up to 80 years old. On the other hand, the payment period is less than 80 years old, for example, 60 years old. In this case, the payment of the insurance premium ends at the age of 60. From 60 to 80 years old, the amount of savings is withdrawn and the insurance premium is paid.
[0112]
Referring to FIG. 19, the present invention is not limited to the life insurance of FIG. 7, but can be applied to other life insurance. The life insurance in FIG. 7 was composed of a main contract for saving and a special contract for guarantee. On the other hand, the life insurance in FIG. 19 is composed of a combination of a saving type insurance and a security type insurance which are separate contracts. Insurance premiums move between these insurances. The present invention can also be applied to such life insurance (this type of insurance is sometimes referred to as an account type).
[0113]
Referring to FIG. 20, the present invention can be applied not only to life insurance but also to other financial products. In FIG. 20, the guarantee type financial product and the saving type financial product are combined. Compared to the above-described embodiment, the security-type financial products correspond to the security-type insurance (death insurance, etc.), the savings-type financial products correspond to the savings-type insurance, and the payment of these financial products corresponds to the insurance premium. . The configuration of the paid-in data processing apparatus may be the same as that of the above-described premium data processing apparatus except for the correspondence to the above-described change.
[0114]
A financial product to which the present invention can be applied is provided by, for example, a bank. Banks have traditionally provided savings-type financial products such as savings. In addition, the financial industry may change and banks may offer guaranteed financial products. At this time, the present invention may be realized using a saving-type financial product and a guarantee-type financial product provided by a bank. These financial instruments may be separate contracts. A part of one contract may function as a savings type financial product and a part may function as a guarantee type financial product.
[0115]
Further, a financial product may be provided by a plurality of financial institutions within the scope of the present invention. The payment received from the customer becomes a payment for a saving-type financial product provided by one financial institution and a payment for a security-type financial product provided by another financial institution by the data processing of the present invention. As an example, a bank deposit is provided by a bank and a security insurance is provided by a life insurance company. Security insurance premium data consisting of natural insurance premiums is transferred from the deposit paid by the customer to the bank to the life insurance company.
[0116]
Referring to FIG. 21, the system 30 according to the present embodiment includes two payment data processing devices 32 and 34. One is a bank-side data processing device 32 (an example of a savings data processing device), and the other is an insurance-side data processing device 34 (an example of a guarantee data processing device). Both devices are connected and configured to allow data communication. The information to be communicated includes payment data.
[0117]
The bank-side data processing device 32 includes a saving processing unit 36, a savings payment recording unit 38, a scheduled security payment storage unit 40, and a transmission processing unit 42.
[0118]
The savings processing unit 36 records the accepted payments that are sequentially received in the savings payment recording unit 38 as a savings payment for making savings. For example, the savings payment is a bank deposit, and the savings payment recording unit 38 stores bank account data.
[0119]
The scheduled security payment storage unit 40 stores information indicating a scheduled security payment including a natural security payment, such as a natural insurance premium, with respect to a security payment for obtaining security. Here, the security deposit is a security premium, and therefore the scheduled security premium of the above-described embodiment is stored.
[0120]
Here, in the present invention, the natural security payment and the natural security payment method have the following meanings. Security insurance is a form of financial security products. The theory of natural insurance premiums in security insurance can be applied to other security-type financial products. The natural security payment is a payment when the theory of natural insurance premiums in insurance is applied to a security-type financial product. The method using the natural security payment is the natural security payment method, which corresponds to the natural insurance premium method.
[0121]
The transmission processing unit 42 performs processing for sending information indicating the amount corresponding to the scheduled security payment to the insurance-side data processing device 34 based on the scheduled security payment stored in the scheduled security payment 40. Do.
[0122]
The insurance-side data processing device 34 includes a receipt processing unit 44, a security payment processing unit 46, and a security payment recording unit 48.
[0123]
The reception processing unit 44 receives information indicating the amount corresponding to the scheduled security payment from the bank-side data processing device 32. This process corresponds to receipt of the security deposit remittance. The security payment processing unit 46 records in the security payment recording unit 48 that the security payment has been paid. The security deposit recording unit 48 corresponds to the security premium recording unit of FIG.
[0124]
In addition, although not shown in FIG. 21, both the bank-side data processing device 32 and the insurance-side data processing device 34 include a payment information output processing unit and an output device, as in the device of FIG. The output processing unit causes the output device to output information on payment of insurance premiums in accordance with an operator instruction input from an input device (not shown).
[0125]
In the system of FIG. 21, the scheduled security payment and the received payment correspond to the above-mentioned scheduled security premium and reception premium. When the scheduled security payment at each time point is smaller than the accepted payment, a part of the accepted payment remains as savings. That is, when the insurance premium is smaller than the deposit to the bank, a part of the deposit remains in the bank account and is saved. When the received payment is smaller than the scheduled security payment, the saved payment that has already been saved is withdrawn and transmitted to the insurance side. That is, when the deposit is smaller than the security premium, a part of the saved deposit is withdrawn and transmitted to the insurance side to become a part of the premium. In this way, according to the present embodiment, the same processing as that of the above-described apparatus of FIG. 6 is performed by the plurality of data processing apparatuses, and the data processing of the present invention is performed. Also according to this embodiment, it is possible to reduce the burden of rate management in accordance with the principle of level insurance premiums, and to increase the flexibility of product design of guaranteed financial products.
[0126]
Of course, this embodiment can be modified within the scope of the present invention. The present invention may be realized by a form other than the form of the data processing apparatus and the data processing method as described above. Another form is, for example, a program (or a recording medium thereof) for causing a computer to function as the data processing apparatus of this embodiment.
[0127]
【The invention's effect】
As described above, according to the present invention, it is possible to provide an insurance premium data processing apparatus and method that can be applied to flexible insurance design, thereby realizing flexible insurance design. Further, according to the present invention, it is possible to provide an insurance premium data processing device having the advantages of natural insurance premiums and level insurance premiums.
[Brief description of the drawings]
FIG. 1 is a diagram showing natural insurance premiums.
FIG. 2 is a diagram showing an insurance premium rate table for natural insurance premiums;
FIG. 3 is a diagram showing level insurance premiums.
FIG. 4 is a diagram illustrating an example of an insurance premium data processing apparatus to which a level insurance premium is applied.
FIG. 5 is a diagram showing an example of a premium rate table of a level insurance premium method.
FIG. 6 is a diagram showing an insurance premium data processing device according to a preferred embodiment of the present invention.
7 is a diagram showing a life insurance to be paid by the apparatus shown in FIG. 6;
FIG. 8 is a diagram showing the setting of a scheduled security premium and a reception premium for insurance premium payment data processing by the apparatus of FIG. 6;
9 is a diagram showing insurance premium payment data processing by the apparatus of FIG. 6; FIG.
FIG. 10 shows the setting of the scheduled security premium and the reception premium for the premium payment data processing by the device of FIG. 6 when the insurance whose insurance amount changes midway is set for the flexible setting of the insurance contract content FIG.
FIG. 11 is a diagram showing insurance premium payment data processing by the apparatus of FIG. 6 when an insurance whose insurance amount changes midway is set for flexible setting of insurance contract details.
FIG. 12 is a diagram showing a preferred form of the payment data processing of FIG. 11, showing payment data processing in which a received insurance premium is recorded as a saving insurance premium and then a part thereof is paid for security.
FIG. 13 is a view showing a payment data process of a preferred form of the payment data process of FIG. 11, in which a received insurance premium is recorded as a savings insurance premium and a part thereof is paid for security.
FIG. 14 is a diagram showing another example of paid-in data processing, in which accepted insurance premiums are set for each divided period.
15 is another example of paid-in data processing, and is a diagram showing processing of a combination of the processing of FIG. 11 and normal funding processing.
16 is a diagram showing payment data processing of the combination of FIG. 14 and FIG. 15;
FIG. 17 is a diagram showing payment data processing when the entire accepted insurance premium is set constant with respect to FIG. 16;
FIG. 18 is a diagram illustrating the processing of FIG. 16 in more detail.
FIG. 19 is a diagram showing the application of the present invention to life insurance composed of saving and guarantee of another contract.
FIG. 20 is a diagram showing application of the present invention to financial products other than life insurance.
FIG. 21 is a diagram showing an embodiment when data processing of the present invention is performed by a bank and life insurance data processing device.
[Explanation of symbols]
10 Insurance data processing device
12 Payment processing department
14 Insurance premium recording section
16 Savings insurance premium recording department
18 Insurance premium recording section
20 Contract content storage
22 Natural insurance premium rate storage

Claims

A life insurance premium data processing device that records the payment history of insurance premiums to life insurance,
A savings insurance premium recording unit that records a payment history of savings insurance premiums that are insurance premiums of savings type insurance, and records a savings amount of the paid savings insurance premium;
Security insurance premium recording section that records the payment history of the insurance premiums that are insurance premiums,
A contract content storage unit for storing the amount of insurance at the time of each payment during the payment period of the security-type insurance and the scheduled amount of received premium received from the customer;
A natural insurance rate storage unit for storing a premium rate of a natural insurance premium method at each payment time point during the payment period of the security-type insurance;
A reception information input unit for inputting a reception insurance premium received at each payment time point along the payment period;
A payment processing unit,
The payment processing unit
The reception premium input from the reception information input unit at each payment point in the payment period is acquired, and the reception insurance premium input to the reception information input unit and the reception stored in the contract content storage unit Make sure that the insurance premiums match,
Read the insurance amount at the time of payment stored in the contract content storage unit and the insurance rate at the time of payment stored in the natural insurance rate storage unit, and multiply the read insurance amount by the insurance rate to apply Calculate the planned insurance premium for
When the calculated scheduled insurance premium is smaller than the received premium, the payment history of the scheduled insurance premium is recorded in the insurance premium recording unit, and the difference between the received insurance premium and the scheduled insurance premium Is added to the savings amount of the savings insurance premium recording section,
When the scheduled insurance premium is larger than the received insurance premium, the saving insurance premium recording unit performs a process of subtracting the difference between the scheduled insurance premium and the received insurance premium from the saved amount of the saving insurance premium recording unit. A life insurance premium data processing apparatus for recording a payment history of the scheduled insurance premium in the security insurance recording unit .

A financial product payment data processing device for recording a payment history of payment to a financial product,
  A savings payment recording unit that records a payment history of a savings payment that is a payment of a savings-type financial product, and records a savings amount of the paid savings;
  A security deposit recording unit that records a payment history of a security deposit, which is a payment of a security-type financial instrument,
  A contract content storage unit for storing a security amount at each payment time point during the payment period of the security-type financial product and a scheduled payment amount received from the customer;
  A natural security payment rate storage unit for storing a payment rate of a natural security payment method at each payment point in the payment period of the security-type financial product;
  A reception information input unit for inputting a reception payment received at each payment time point along the payment period;
  A payment processing unit,
  The payment processing unit
  The reception payment input from the reception information input unit at each payment point in the payment period is acquired, and the reception payment input to the reception information input unit and the reception stored in the contract content storage unit Check if the planned payment amount matches,
  Read the security amount at the time of payment stored in the contract content storage unit and the payment rate at the time of payment stored in the natural security payment rate storage unit, and multiply the read security amount by the payment rate To calculate the expected security payment at the time of payment,
  When the calculated scheduled security payment is smaller than the received payment, the payment history of the scheduled security payment is recorded in the security payment recording unit, and the difference between the received payment and the scheduled security payment Is added to the savings amount of the savings payment recording part,
  When the scheduled security payment is larger than the accepted payment, the scheduled security payment and the receipt A process of subtracting the difference of the paid-in payment from the saving amount of the savings payment recording unit is performed in the savings payment recording unit, and a payment history of the scheduled security payment is recorded in the security payment recording unit A financial product payment data processing apparatus.

A life insurance premium data processing method executed by a computer for recording a payment history of insurance premiums to life insurance, recording a payment history of savings insurance premiums which are insurance premiums of savings type insurance, and the savings paid A savings insurance premium recording unit that records the savings amount of insurance premiums, a security insurance premium recording unit that records the payment history of the insurance premiums that are insurance premiums, and each payment during the payment period of the insurance A contract content storage unit that stores the insurance amount at the time and a scheduled amount of the received premium received from the customer, and a natural that stores the premium rate of the natural insurance premium method at each payment point in the payment period of the security-type insurance Life insurance premium data processing method executed by the computer comprising an insurance premium rate storage unit and a reception information input unit for inputting a reception premium received at each payment time point along the payment period It is in,
  Obtaining the reception premium input from the reception information input unit at each payment point in the payment period, and the reception insurance fee input to the reception information input unit and the reception stored in the contract content storage unit Make sure that the insurance premiums match,
  Read the insurance amount at the time of payment stored in the contract content storage unit and the insurance rate at the time of payment stored in the natural insurance rate storage unit, and multiply the read insurance amount by the insurance rate to apply Calculate the planned insurance premium for
  When the calculated scheduled insurance premium is smaller than the received premium, the payment history of the scheduled insurance premium is recorded in the insurance premium recording unit, and the difference between the received insurance premium and the scheduled insurance premium Is added to the savings amount of the savings insurance premium recording section,
  When the scheduled insurance premium is larger than the received insurance premium, the saving insurance premium recording unit performs a process of subtracting the difference between the scheduled insurance premium and the received insurance premium from the saving amount of the saving insurance premium recording unit. The life insurance premium data processing method, wherein the payment history of the scheduled insurance premium is recorded in the insurance premium recording unit.

A financial instrument payment data processing method that is executed by a computer that records the payment history of payments to financial instruments. The payment history of savings payments, which are payments for savings-type financial instruments, is recorded and paid A savings payment recording unit that records the savings amount of the savings payment, a security payment recording unit that records a payment history of a security payment that is a payment of a security-type financial product, and a payment period of the security-type financial product A contract content storage unit for storing a security amount at each payment point in time and a scheduled payment amount received from a customer, and a natural security payment method at each payment point in the payment period of the security-type financial product. A computer comprising: a natural security payment rate storage unit that stores a payment rate; and a reception information input unit that inputs a reception payment received at each payment point along the payment period. Is a financial instrument installment data processing method that is row,
  The reception payment input from the reception information input unit at each payment point in the payment period is acquired, and the reception payment input to the reception information input unit and the reception stored in the contract content storage unit Check if the planned payment amount matches,
  Read the security amount at the time of payment stored in the contract content storage unit and the payment rate at the time of payment stored in the natural security payment rate storage unit, and multiply the read security amount by the payment rate To calculate the expected security payment at the time of payment,
  When the calculated scheduled security payment is smaller than the received payment, the payment history of the scheduled security payment is recorded in the security payment recording unit, and the difference between the received payment and the scheduled security payment Is added to the savings amount of the savings payment recording part,
  When the scheduled security payment is larger than the received payment, the saving payment recording unit performs a process of subtracting the difference between the scheduled security payment and the received payment from the saving amount of the savings payment recording unit. The financial product payment data processing method, wherein a payment history of the scheduled security payment is recorded in the security payment recording unit.

This is a life insurance premium data processing program that is executed on a computer that records the payment history of insurance premiums to life insurance, and the payment history of savings insurance premiums that are saving insurance premiums A savings insurance premium recording unit that records the savings amount of the saved insurance premium paid, a security insurance premium recording unit that records a payment history of a security insurance premium that is an insurance premium of the security insurance, and the security Contract content storage unit for storing the insurance amount at the time of each payment during the payment period of the type insurance and the scheduled amount of the received premium received from the customer, and the natural insurance at the time of payment during the payment period of the security type insurance A natural insurance premium rate storage unit that stores a premium rate insurance rate, and a reception information input unit that inputs a reception premium received at each payment time point along the payment period. A life insurance premium data processing program,
  Obtaining the reception premium input from the reception information input unit at each payment point in the payment period, and the reception insurance fee input to the reception information input unit and the reception stored in the contract content storage unit Make sure that the insurance premiums match,
  Read the insurance amount at the time of payment stored in the contract content storage unit and the insurance rate at the time of payment stored in the natural insurance rate storage unit, and multiply the read insurance amount by the insurance rate to apply Calculate the planned insurance premium for
  When the calculated scheduled insurance premium is smaller than the received premium, the payment history of the scheduled insurance premium is recorded in the insurance premium recording unit, and the difference between the received insurance premium and the scheduled insurance premium Is added to the savings amount of the savings insurance premium recording section,
  When the scheduled insurance premium is larger than the received insurance premium, the saving insurance premium recording unit performs a process of subtracting the difference between the scheduled insurance premium and the received insurance premium from the saving amount of the saving insurance premium recording unit. A life insurance premium data processing program for causing the computer to execute a process of recording a payment history of the scheduled insurance premium in the security insurance recording unit.

A financial product payment data processing program that is executed on a computer that records the payment history of payments to financial instruments, and records the payment history of savings payments, which are payments for savings-type financial products, and has been paid A savings payment recording unit that records the savings amount of the savings payment, a security payment recording unit that records a payment history of a security payment that is a payment of a security-type financial product, and a payment period of the security-type financial product A contract content storage unit for storing a security amount at each payment point in time and a scheduled payment amount received from a customer, and a natural security payment method at each payment point in the payment period of the security-type financial product. The computer comprising: a natural security payment rate storage unit for storing a payment rate and a reception information input unit for inputting a reception payment received at each payment time point along the payment period. Is a financial instrument installment data processing program to be executed by the data,
  The reception payment input from the reception information input unit at each payment point in the payment period is acquired, and the reception payment input to the reception information input unit and the reception stored in the contract content storage unit Check if the planned payment amount matches,
  Read the security amount at the time of payment stored in the contract content storage unit and the payment rate at the time of payment stored in the natural security payment rate storage unit, and multiply the read security amount by the payment rate To calculate the expected security payment at the time of payment,
  When the calculated scheduled security payment is smaller than the received payment, the payment history of the scheduled security payment is recorded in the security payment recording unit, and the difference between the received payment and the scheduled security payment Is added to the savings amount of the savings payment recording part,
  When the scheduled security payment is larger than the received payment, the saving payment recording unit performs a process of subtracting the difference between the scheduled security payment and the received payment from the saving amount of the savings payment recording unit. A financial product payment data processing program causing the computer to execute a process of recording a payment history of the scheduled security payment in the security payment recording unit.

A computer-readable recording medium storing the program according to claim 5.