JP5248947B2 - Data restoration service insurance premium calculation method, apparatus and program thereof - Google Patents

Description

  The present invention relates to an insurance fee calculation method, a device thereof, and a program thereof relating to a data recovery service for recovering data recorded in a recording medium such as a personal computer when the data is destroyed.

  In general, in a life insurance contract, an insurance premium rate is assessed after inspecting the policyholder in advance, and the amount of periodic insurance premium payment is determined in consideration of the assessment result.

  By the way, contracts for maintenance, repair, etc. of computers and related equipment of computers and peripheral devices are generally maker contracts, and usually one year has passed since the purchase of products such as computers and related devices of computer and peripheral devices. It is a free repair period.

  After the year, the manufacturer's warranty may be concluded instead of an individual maintenance contract with the maintenance company. However, this maintenance contract is generally a contract with a fixed fee, and frequently occurs within the contract period. Even if repairs and maintenance are performed at the same time, even if repairs and maintenance are not performed once within the contract period, the same fee is set.

  However, the frequency of repairs and maintenance varies depending on the setting of computers and related devices, peripheral devices, or LANs of the client, and there are doubts about the same repair and maintenance fees. The current situation is going up.

Therefore, the invention described in Patent Document 1 has its repair and maintenance frequency naturally different depending on the setting status of the computer and related devices, peripheral devices, or LAN of the computer, so that they are uniformly the same. This is a failure insurance system that sets insurance premiums related to failures according to the setting status of computers and related devices, peripheral devices, or LANs without being bundled with repair and maintenance fees.
Japanese Patent Laid-Open No. 2006-235961

  By the way, a computer is generally used for storing data such as documents and images and using them as necessary.

  When such data such as documents and images were damaged due to a computer failure, the recovery cost was calculated after the failure, and only those who agreed with the cost could recover the data.

  However, in the field of personal computers (hereinafter referred to as “PCs”), the storage capacity of PCs has been limited so far, and there has been a tendency to back up data to other recording media. For this reason, even if a failure occurs in the PC main body, there are many cases where backup data exists, and therefore there is not much demand for data recovery.

  However, in recent years, since the storage capacity of the PC main body has increased rapidly, there are many cases in which data is stored only in the PC main body without backing up the data to another recording medium. For this reason, when a failure occurs in data, the demand for restoring the data has increased considerably.

  Under these circumstances, the PC users are always worried about the damage and disappearance of data due to failure, because the property insurance that had been done for PC hardware failure was not targeted for data recovery. However, there was a problem that a PC had to be used.

  In order to solve this problem, it is conceivable to apply non-life insurance for hardware failure to data recovery, but for data recovery, the recovery response varies considerably depending on the data type and data failure factor, Rather than simply applying hardware non-life insurance, the problem arises that an insurance plan specific to data recovery must be created.

  Therefore, in order to solve the above-described problem, the present invention provides an insurance premium calculation method for data recovery service insurance, a device thereof, and a program for the user of the PC to use the PC with peace of mind. The purpose is to do.

  According to the present invention, a step of recording a failure occurrence probability table storing failure occurrence probabilities for each combination of failure factors on a recording medium, and a recovery cost table storing recovery costs for each combination of failure factors are recorded. Recording on a medium, recording a profit rate table storing a profit rate for each combination of failure factors on a recording medium, and allowing a user to select one or more combinations of the failure factors For each combination of the cause of failure selected by the user, referring to the failure occurrence probability table, obtaining a unit failure occurrence probability, and for each combination of the cause of failure selected by the user, Referring to the failure occurrence probability table, for each combination of the step of obtaining a unit recovery cost with reference to the failure occurrence probability table selected by the user, a unit profit rate Based on the unit failure occurrence probability obtained for each combination of the failure factors selected by the user, the unit restoration cost and the unit profit rate, unit insurance premium = unit failure occurrence probability × unit Using the formula of recovery cost / (1-unit profit ratio), the unit premium is calculated by adding the unit premium for all the combinations of the failure factor selected by the user and the step of calculating the unit premium. A method for calculating a premium for data recovery service insurance is provided.

  Further, according to the present invention, means for recording a failure occurrence probability table storing the failure occurrence probability for each combination of failure factors in a recording medium, and a recovery cost table storing the recovery cost for each combination of the failure factors , A means for recording a profit rate table storing a profit rate for each combination of failure factors, and a user to select one or more combinations of the failure factors A means for referring to the failure occurrence probability table for each combination of the failure factors selected by the user and a unit failure occurrence probability; and for each combination of the failure factors selected by the user In addition, for each combination of the unit recovery cost with reference to the failure occurrence probability table and the failure factor selected by the user, the unit occurrence rate is obtained with reference to the failure occurrence probability table. Means and Based on the failure occurrence probability, recovery cost and profit rate determined for each combination of the failure factors selected by the user, unit insurance premium = unit failure occurrence probability x unit recovery cost / (1-unit profit rate) Means for calculating a unit premium using the mathematical formula, and means for obtaining a total premium by adding the unit premiums for all combinations of the failure factors selected by the user. A data recovery service insurance premium calculation device characterized by the above is provided.

  Furthermore, according to the present invention, a step of recording a failure occurrence probability table storing failure occurrence probabilities for each combination of failure factors in a recording medium, and a recovery cost table storing recovery costs for each combination of failure factors A recording medium, a step of recording a profit rate table storing a profit rate for each combination of failure factors on a recording medium, and a user selecting one or more combinations of the failure factors A step of obtaining a unit failure occurrence probability with reference to the failure occurrence probability table for each combination of the failure factors selected by the user, and for each combination of the failure factors selected by the user Further, referring to the failure occurrence probability table, for each combination of the step of obtaining a unit recovery cost and the failure factor selected by the user, refer to the failure occurrence probability table and Based on the step of obtaining the profit rate and the failure occurrence probability, recovery cost and profit rate obtained for each combination of the failure factors selected by the user, unit insurance premium = unit failure occurrence probability × unit recovery cost / The total premium is calculated by adding the unit premium for all combinations of the step of calculating the unit premium using the formula of (1-unit profit rate) and the cause of the failure selected by the user. A program for causing a computer to execute an insurance premium calculation method for data recovery service insurance.

  According to the present invention, the unit premium is calculated for each combination of failure factors selected by the user, and the total premium is calculated by adding the unit premiums for the failure factors selected by the user. The user can join the insurance with a premium corresponding to the insurance. Therefore, the user of the PC can use the PC with peace of mind.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings.

  In this embodiment, one recovery data item is a combination of the cause of failure, the target of failure, the warranty period, the capacity of the medium, the type of medium, and the nature of the failure. However, some of those listed in the preceding sentence may be missing.

  As the cause of the failure, for example, a malfunction, an erroneous operation, a drop, a flood, and the like can be given.

  Examples of failure objects include postcard creation software address book, mailer address book, sent / received mail, word processing document, spreadsheet software data, database, still image data, video data, music data, audio data, Examples include PDF data, drawing data, drafting data, presentation data, and the like.

  The warranty period includes 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, and so on.

  Examples of the capacity of the medium include 1 Mbyte, 10 Mbyte, 100 Mbyte, 1 Gbyte, 10 Gbyte, 100 Gbyte, 1 Tbyte, and the like.

  Examples of the medium include a magnetic disk (such as a hard disk drive), a magneto-optical disk, an optical disk (such as a DVD), and a semiconductor (such as a solid state drive (SSD), a USB memory, and a flash memory).

  The nature of the failure includes a logical failure and a physical failure. Here, the logical failure is a logical failure of the medium, and the physical failure is a physical failure of the medium. A logical failure can be recovered by processing by software. On the other hand, for example, in the case of a hard disk drive, a physical failure cannot be recovered unless it is disassembled in a clean room.

Then, the user selects one or more recovery data items and asks the user for insurance data (unit premium) x _i for each recovery data item selected by the user for all recovery data items selected by the user. Let the sum be the sum premium X.

The formula for calculating the insurance premiums (in premium) x _i for one recovery data item,
x _i = P _i × C _i / (1-R _i )
Here, P _i : Failure occurrence probability for item i C _i : Recovery cost for item i R _i : Profit rate for item i is used.

The above equation is for the profit rate R _i : R _i = (x _i −P _i × C _i ) / x _i
Was solved for x _i .

The profit rate R _i is a target profit rate, and may be set so that the profit rate of an item with high demand is higher than the profit rate of an item with low demand.

Failure probability P _i for recovering data item i is caused a failure, the object b of failure depends on the warranty period c, the capacity of the medium d, type of media e, the nature of the fault f. Therefore,
P _i = P (a _i , b _i , c _i , d _i , e _i , f _i )
It can be expressed as. Moreover, the failure occurrence probability P _i can also be expressed as a cumulative value of the failure occurrence probability p _i (a _i , b _i , c _i , d _i , e _i , f _i ) within the unit period.
Also restoration costs C _i for recovering data item i, similarly to the failure probability P _i, causes a malfunction, the object b of failure, warranty period c, the capacity of the medium d, type of media e, the nature of the fault f Depends on. Therefore,
C _i = C (a _i , b _i , c _i , d _i , e _i , f _i )
It can be expressed as.

Margin R _i for item i is caused a failure, the object b of failure, warranty period c, can be dependent on the capacity of the medium d, type of media e, the failure of the nature f. Therefore,
R _i = R (a _i , b _i , c _i , d _i , e _i , f _i )
It can be expressed as.

  Therefore, the total premium X

と表すことができる。本実施形態では、この計算式を利用する。

It can be expressed as. In this embodiment, this calculation formula is used.

  FIG. 1 is a block diagram showing a configuration of an insurance fee calculation apparatus for data recovery service insurance according to an embodiment of the present invention.

  Referring to FIG. 1, this apparatus includes a user interface 101, a source parameter holding unit 103, a failure occurrence rate table holding unit 105, a recovery cost table holding unit 107, a profit rate table holding unit 109, a unit premium calculation unit 111, and a sum. An insurance premium calculation unit 113 is provided.

  This device can be realized by hardware, but can also be realized by using a computer. When this device is realized by using a computer, the user interface is a keyboard, a pointing device, a display device, or the like, and includes a primitive parameter holding unit 103, a failure occurrence probability table holding unit 105, and a recovery cost table holding unit 107. The profit rate table holding unit 109 is stored in a recording medium such as a hard disk drive, and the unit premium calculation unit 111 and the total premium calculation unit 113 are constituted by a CPU and a group of instructions for operating the CPU.

  As shown in FIG. 2, the CPU includes at least an instruction decoder 121, an ALU (Arithmetic and Logic Unit) 123, and a register group 125. Although not shown, the clock for driving the CPU is composed of a crystal oscillator connected to the CPU and a circuit in the CPU connected to the crystal oscillator.

  The register group 125 includes a register 1, a register 2, a register 3,. Some registers may be used as stack registers, program counters, interrupt registers, flag registers, and the like.

  Next, the operation of the insurance premium calculation device shown in FIG. 1 will be described.

The user interface 101 inputs one or more recovery data items from the user. As described above, one recovery data item is one combination of the cause of failure, the target of failure, the warranty period, the capacity of the medium, the type of medium, and the nature of the failure. For example,
Cause of failure = Fall Target of failure = Mailer's address book Warranty period = 3 years Medium capacity = 100 GB Medium type = Magnetic disk Failure property = Physical failure combination as the first recovery data item
Cause of failure = operation error Object of failure = word processor document Warranty period = 3 years Media capacity = 100 GB Media type = magnetic disk Failure nature = Logical failure combination can be the second recovery data item .

The primitive parameter holding unit 103 is a cause of failure a _i , a failure object b _i , a warranty period c _i , a medium capacity d _i , a medium type e _i , a failure parameter, which are primitive parameters input from the user interface 101. Holds the property f _i . In the above example, the primitive parameter holding unit 103 is
Cause of failure a ₁ = Drop Failure object b ₁ = Mailer's address book Warranty period c ₁ = 3 years Medium capacity d ₁ = 100 GB Media type e ₁ = Magnetic disk Failure nature f ₁ = Physical failure Failure Cause a ₂ = malfunction failure object b ₂ = word processor document Warranty period c ₂ = 3 years Media capacity d ₂ = 100 GB Media type e ₂ = Magnetic disk Failure nature f ₂ = Hold logic failure.

The failure occurrence probability table holding unit 105 inputs a combination of a failure cause a _i , a failure object b _i , a warranty period c _i , a medium capacity d _i , a medium type e _i , and a failure property f _i , The corresponding unit failure occurrence probability Pi is output. In the above example, a combination of a cause of failure a ₁ , a failure object b ₁ , a warranty period c ₁ , a medium capacity d ₁ , a medium type e ₁ , and a failure property f ₁ is input, and the corresponding unit The failure occurrence probability P ₁ is output, and further, a combination of failure cause a ₂ , failure target b ₂ , warranty period c ₂ , medium capacity d ₂ , medium type e ₂ , and failure property f ₂ is input. , and it outputs a unit failure probability P ₂ corresponding thereto.

The recovery cost table holding unit 107 inputs a combination of a cause of failure a _i , a failure object b _i , a warranty period c _i , a medium capacity d _i , a medium type e _i , and a failure property f _i. The corresponding unit recovery cost Ci is output. In the above example, a combination of a cause of failure a ₁ , a failure object b ₁ , a warranty period c ₁ , a medium capacity d ₁ , a medium type e ₁ , and a failure property f ₁ is input, and the corresponding unit The recovery cost C ₁ is output, and further, a combination of the cause of failure a ₂ , the failure object b ₂ , the warranty period c ₂ , the capacity of the medium d ₂ , the type of medium e ₂ , and the nature of failure f ₂ is input. , and it outputs a unit restoration costs C ₂ corresponding to it.

The profit margin table holding unit 109 inputs a combination of the cause of failure a _i , the target of failure b _i , the warranty period c _i , the capacity of the medium d _i , the type of medium e _i , and the nature of failure f _i. The corresponding unit profit rate Ri is output. In the above example, a combination of a cause of failure a ₁ , a failure object b ₁ , a warranty period c ₁ , a medium capacity d ₁ , a medium type e ₁ , and a failure property f ₁ is input, and the corresponding unit Profit rate R ₁ is output, and further, a combination of failure cause a ₂ , failure object b ₂ , warranty period c ₂ , medium capacity d ₂ , medium type e ₂ , and failure nature f ₂ is input. , The corresponding unit profit rate R ₂ is output.

The unit premium calculation unit 111 inputs a unit failure occurrence probability P _i , a unit recovery cost C _i and a unit profit rate R _i for the recovery data item i,
Unit premium x _i = P _i × C _i / (1-R _i )
Calculate

  FIG. 3 shows a first operation example of the unit premium calculation unit 111 when the unit premium calculation unit 111 is configured by a CPU and a program.

Referring to FIG. 3, first, the unit failure occurrence probability _Pi is stored in the register 1 (step S201).

Next, the unit restoration cost C _i is stored in the register 2 (step S203).

Next, the unit profit rate R _i is stored in the register 3 (step S205).

Next, the unit profit rate R _i is read from the register 3, the 1-unit profit rate R _i is calculated by the ALU 123, and the result is stored in the register 3 (step S207). The calculation result may be stored in the register 4 instead of being stored in the register 3.

Next, the unit failure occurrence probability P _i is read from the register 1, the unit restoration cost C _i is read from the register 2, and the unit failure occurrence probability P _i × unit restoration cost C _i is calculated by the ALU 123. (Step S209). The calculation result may be stored in the register 2 or 5 instead of being stored in the register 1.

Next, the read unit fault occurrence probability _{P i} × Unit restoration costs _{C i} from the register 1, the register 3 reads the 1-unit margin _{R i,} by ALU123, (unit failure occurrence probability _{P i} × Unit restoration costs _{C i} ) / (1-unit profit rate R _i ) is calculated, and the result is stored in the address _{base-1 + i} of the main memory of the computer (step S211). However, when the calculation result of unit failure occurrence probability P _i × unit recovery cost C _i is stored in register 2 or register 5 in step S209, unit failure occurrence probability P _i × unit recovery cost C _i is read therefrom. Also, when reading the calculation results of the 1-unit margin _{R i} in step S207 reads the operation of 1-unit margin _{R i} therefrom.

  FIG. 4 shows a second operation example of the unit premium calculation unit 111 when the unit premium calculation unit 111 is configured by a CPU and a program.

Referring to FIG. 4, first, the unit failure occurrence probability P _i is stored in the register 1 (step S221).

Next, the unit restoration cost C _i is stored in the register 2 (step S223).

Next, the unit profit rate R _i is stored in the register 3 (step S225).

Next, the unit profit rate R _i is read from the register 3, the 1-unit profit rate R _i is calculated by the ALU 123, and the result is stored in the register 3 (step S227). The calculation result may be stored in the register 4 instead of being stored in the register 3.

Next, the unit recovery cost C _i is read from the register 2, the 1-unit profit rate R _i is read from the register 3, and the unit recovery cost C _i / (1−unit profit rate R _i ) is calculated by the ALU 123. The result is stored in register 2 (step S229). However, when the calculation result of the 1-unit profit rate R _i is stored in the register 4 in step S227, the 1-unit profit rate R _i is read therefrom. Further, the calculation result of the unit restoration cost C _i / (1−unit profit rate R _i ) may be stored in the register 3 or 5 instead of being stored in the register 2.

Next, the unit failure occurrence probability P _i is read from the register 1, the unit restoration cost C _i / (1−unit profit rate R _i ) is read from the register 2, and the unit failure occurrence probability P _i × (unit restoration cost) by the ALU 123. C _i / (1-unit profit rate R _i )) is calculated, and the result is stored in the address _{base-1 + i} of the main memory of the computer (step S231). However, calculation results when stored in the register 3 or the register 5, from which the unit restoration costs _C i / (1-unit margin units restoration costs _C i / (1-unit margin _{R i)} at step S229 Read R _i ).

Sum total calculation unit 113 includes unit insurance premium x ₁ , unit insurance premium x ₂ ,. . . , Obtaining the sum premium X is the sum of the unit premium x _N. The calculated total insurance premium is displayed on the screen of a display device as a user interface or printed by a printer.

  FIG. 5 shows an operation example of the total insurance premium calculation unit 113 when the total insurance premium calculation unit 113 is configured by a CPU and a program.

Referring to FIG. 5, first, store the unit premium _{x 1} stored in the register 1 to address _base of the main memory to the register 1 (step S241).

  Next, the unit premium number i is initialized to 2 (step S243).

Next, the value stored in the register 1 is read out, the value stored in the memory _{base-1 + i} is added to this value, and the value is written in the register 1, so that the total premium during the calculation is added to the unit premium x _i is added (step S245).

  Next, the unit premium number i is incremented by 1 (step S247).

  Next, it is determined whether or not the unit insurance number i exceeds the number of units (step S249). If so, the operation is terminated, and if not, the process returns to step S245.

  The value stored in the register 1 at the end of the operation is the total insurance premium.

  The user interface may be a user interface of a computer that is an insurance fee calculation device, or may be a user interface of a computer connected to the insurance fee calculation device via a network such as the Internet. The insurance fee calculation method can be applied to mail order sales via a computer network.

It is a block diagram which shows the structure of the insurance fee calculation apparatus of the data restoration service insurance by embodiment of this invention. It is a block diagram which shows the structural example of CPU. It is a flowchart which shows the 1st operation example of the unit premium calculation part shown in FIG. It is a flowchart which shows the 2nd operation example of the unit premium calculation part shown in FIG. It is a flowchart which shows the operation example of the sum insurance premium calculation part shown in FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 101 User interface 103 Primitive parameter holding part 105 Failure occurrence probability table holding part 107 Restoration cost table holding part 109 Profit rate table holding part 111 Unit premium calculation part 113 Sum insurance premium calculation part

Claims (39)

Recording a failure occurrence probability table storing failure occurrence probabilities for each combination of failure factors on a recording medium;
Recording a recovery cost table storing a recovery cost for each combination of the cause of failure on a recording medium;
Recording a profit rate table storing a profit rate for each combination of the cause of failure on a recording medium;
Allowing the user to select one or more combinations of the causes of the failure;
Obtaining a unit failure occurrence probability with reference to the failure occurrence probability table for each combination of the failure factors selected by the user;
For each combination of the cause of the failure selected by the user, referring to the failure occurrence probability table, obtaining a unit recovery cost;
For each combination of the cause of the failure selected by the user, referring to the failure occurrence probability table to obtain a unit profit rate;
Based on the unit failure occurrence probability obtained for each combination of the cause of failure selected by the user, the unit recovery cost, and the unit profit rate,
Unit premium = Unit failure probability x Unit recovery cost / (1-Unit profit margin)
Calculating the unit premium using the formula of
Obtaining a total premium by adding the unit premiums for all combinations of the failure factors selected by the user;
A method for calculating a premium for data recovery service insurance. In the data recovery service insurance premium calculation method according to claim 1,
In the step of calculating the unit premium,
The unit failure occurrence probability is stored in the first register,
Store the unit recovery cost in the second register,
Store the unit profit rate in the third register,
By subtracting the unit profit rate stored in the third register by the ALU from 1, 1-unit profit rate is obtained, and this is stored in the third register or the fourth register,
The unit failure occurrence probability stored in the first register by the ALU is multiplied by the unit recovery cost stored in the second register, and this multiplication result is used as the first register, the second register, or the fifth register. Stored in
The unit is obtained by dividing the multiplication result stored in the first register, the second register, or the fifth register by the ALU by the 1-unit profit rate stored in the third register or the fourth register. Get insurance premiums,
Or
The unit failure occurrence probability is stored in the first register,
Store the unit recovery cost in the second register,
Store the unit profit rate in the third register,
By subtracting the unit profit rate stored in the third register by the ALU from 1, 1-unit profit rate is obtained, and this is stored in the third register or the fourth register,
The unit recovery cost stored in the second register by the ALU is divided by the 1-unit profit rate stored in the third register or the fourth register, and the division result is divided into the second register, Storing in the third register or the fifth register;
The unit insurance premium is obtained by multiplying the unit failure occurrence probability stored in the first register by the ALU by the division result stored in the second register, the third register, or the fifth register. ,
An insurance premium calculation method for data recovery service insurance. In the insurance fee calculation method of the data recovery service insurance according to claim 1 or 2,
The method for calculating a premium for data recovery service insurance, wherein the unit failure occurrence probability depends on a cumulative value of failure occurrence probability for each unit period within a warranty period for each combination of failure factors. In the insurance fee calculation method of the data restoration service insurance according to any one of claims 1 to 3,
The unit restoration cost depends on a combination of failure factors, and the data restoration service insurance premium calculation method. In the insurance fee calculation method of the data restoration service insurance according to any one of claims 1 to 4,
The unit profit rate depends on the demand for each combination of failure factors, and the data recovery service insurance premium calculation method. In the insurance fee calculation method of the data recovery service insurance according to claim 1 or 2,
The failure factor includes at least one of the cause of the failure, the warranty object, the warranty period, the capacity of the medium, the type of the medium, and the nature of the failure, and the insurance fee calculation of the data recovery service insurance Method. In the insurance fee calculation method for the data recovery service insurance according to claim 6,
The unit failure occurrence probability is a failure for each unit period within the warranty period for each combination including at least one of the cause of the failure, the warranty object, the warranty period, the capacity of the medium, the type of the medium, and the nature of the failure. An insurance premium calculation method for data recovery service insurance, characterized by being dependent on a cumulative value of occurrence probability. In the data recovery service insurance premium calculation method according to claim 6 or 7,
The unit recovery cost depends on a combination including at least one of a cause of failure, a warranty object, a warranty period, a medium capacity, a medium type, and a failure. Fee calculation method. In the insurance fee calculation method of the data restoration service insurance according to any one of claims 6 to 8,
The unit profit rate depends on the demand for each combination including at least one of cause of failure, warranty object, warranty period, medium capacity, medium type, and failure property. Insurance premium calculation method for restoration service insurance. In the insurance price calculation method of the data restoration service insurance according to any one of claims 6 to 9,
The cause of the failure includes at least one of a malfunction, an operation error, a drop, and a flood, and the insurance fee calculation method for the data recovery service insurance. In the insurance price calculation method of the data restoration service insurance according to any one of claims 6 to 10,
The subject of the guarantee is address book of postcard creation software, mailer address book, sent / received mail, word processing document, spreadsheet software data, database, still image data, video data, music data, audio data, PDF data A method for calculating an insurance premium for a data recovery service insurance, comprising at least one of drawing data, drawing data, and presentation data. The method for calculating a premium for data recovery service insurance according to any one of claims 6 to 11,
The method for calculating a premium for data recovery service insurance, wherein the type of medium includes at least one of a magnetic disk, a magneto-optical disk, an optical disk, and a semiconductor. In the data restoration service insurance premium calculation method according to any one of claims 6 to 12,
The method of calculating a premium for data recovery service insurance, wherein the nature of the failure includes at least one of a logical failure and a physical failure. Means for recording a failure occurrence probability table storing failure occurrence probabilities for each combination of failure factors on a recording medium;
Means for recording a recovery cost table storing recovery costs for each combination of failure factors on a recording medium;
Means for recording on a recording medium a profit rate table storing a profit rate for each combination of the cause of failure;
Means for allowing the user to select one or more combinations of the causes of the failure;
Means for determining a unit failure occurrence probability with reference to the failure occurrence probability table for each combination of the failure factors selected by the user;
Means for determining a unit recovery cost for each combination of the failure factors selected by the user with reference to the failure occurrence probability table;
Means for obtaining a unit profit rate with reference to the failure occurrence probability table for each combination of the failure factors selected by the user;
Based on the unit failure occurrence probability obtained for each combination of the cause of failure selected by the user, the unit recovery cost, and the unit profit rate,
Unit premium = Unit failure probability x Unit recovery cost / (1-Unit profit margin)
Means for calculating the unit premium using the formula of
Means for obtaining a total premium by adding the unit premiums for all combinations of the failure factors selected by the user;
An insurance premium calculation apparatus for data recovery service insurance. In the data recovery service insurance premium calculation device according to claim 14,
The means to calculate the unit premium is
The unit failure occurrence probability is stored in the first register,
Store the unit recovery cost in the second register,
Store the unit profit rate in the third register,
By subtracting the unit profit rate stored in the third register by the ALU from 1, 1-unit profit rate is obtained, and this is stored in the third register or the fourth register,
The unit failure occurrence probability stored in the first register by the ALU is multiplied by the unit recovery cost stored in the second register, and this multiplication result is used as the first register, the second register, or the fifth register. Stored in
The unit is obtained by dividing the multiplication result stored in the first register, the second register, or the fifth register by the ALU by the 1-unit profit rate stored in the third register or the fourth register. Get insurance premiums,
Or
The unit failure occurrence probability is stored in the first register,
Store the unit recovery cost in the second register,
Store the unit profit rate in the third register,
By subtracting the unit profit rate stored in the third register by the ALU from 1, 1-unit profit rate is obtained, and this is stored in the third register or the fourth register,
The unit recovery cost stored in the second register by the ALU is divided by the 1-unit profit rate stored in the third register or the fourth register, and the division result is divided into the second register, Storing in the third register or the fifth register;
The unit insurance premium is obtained by multiplying the unit failure occurrence probability stored in the first register by the ALU by the division result stored in the second register, the third register, or the fifth register. ,
An insurance premium calculation device for data recovery service insurance. In the data recovery service insurance premium calculation device according to claim 14 or 15,
An insurance premium calculation apparatus for data recovery service insurance, wherein the unit failure occurrence probability depends on a cumulative value of failure occurrence probability for each unit period within a warranty period for each combination of failure factors. The insurance fee calculation device for the data restoration service insurance according to any one of claims 14 to 16,
The unit calculation cost depends on a combination of failure factors, and the data calculation service insurance premium calculation apparatus. In the data restoration service insurance premium calculation device according to any one of claims 14 to 17,
The unit profit rate depends on the demand for each combination of failure factors, and the data recovery service insurance premium calculation device. In the data recovery service insurance premium calculation device according to claim 14 or 15,
The failure factor includes at least one of the cause of the failure, the warranty object, the warranty period, the capacity of the medium, the type of the medium, and the nature of the failure, and the insurance fee calculation of the data recovery service insurance apparatus. In the data recovery service insurance premium calculation device according to claim 19,
The unit failure occurrence probability is a failure for each unit period within the warranty period for each combination including at least one of the cause of the failure, the warranty object, the warranty period, the capacity of the medium, the type of the medium, and the nature of the failure. An insurance premium calculation apparatus for data recovery service insurance, characterized by being dependent on a cumulative value of occurrence probability. In the data recovery service insurance premium calculation device according to claim 19 or 20,
The unit recovery cost depends on a combination including at least one of a cause of failure, a warranty object, a warranty period, a medium capacity, a medium type, and a failure. Fee calculation device. In the data recovery service insurance premium calculation device according to any one of claims 19 to 21,
The unit profit rate depends on the demand for each combination including at least one of cause of failure, warranty object, warranty period, medium capacity, medium type, and failure property. Insurance fee calculation device for restoration service insurance. In the insurance fee calculation device for the data restoration service insurance according to any one of claims 19 to 22,
The cause of the failure includes at least one of a malfunction, a malfunction, a drop, and a flood, and the insurance fee calculation apparatus for the data recovery service insurance. The insurance fee calculation device for data recovery service insurance according to any one of claims 19 to 23,
The subject of the guarantee is address book of postcard creation software, mailer address book, sent / received mail, word processing document, spreadsheet software data, database, still image data, video data, music data, audio data, PDF data , A data recovery service insurance premium calculation device comprising at least one of drawing data, drafting data, and presentation data. 25. The data recovery service insurance premium calculation device according to any one of claims 19 to 24,
An insurance premium calculation apparatus for data recovery service insurance, wherein the medium type includes at least one of a magnetic disk, a magneto-optical disk, an optical disk, and a semiconductor. In the data recovery service insurance premium calculation device according to any one of claims 19 to 25,
An insurance fee calculation apparatus for data recovery service insurance, wherein the nature of the failure includes at least one of a logical failure and a physical failure. Recording a failure occurrence probability table storing failure occurrence probabilities for each combination of failure factors on a recording medium;
Recording a recovery cost table storing a recovery cost for each combination of the cause of failure on a recording medium;
Recording a profit rate table storing a profit rate for each combination of the cause of failure on a recording medium;
Allowing the user to select one or more combinations of the causes of the failure;
Obtaining a unit failure occurrence probability with reference to the failure occurrence probability table for each combination of the failure factors selected by the user;
For each combination of the cause of the failure selected by the user, referring to the failure occurrence probability table, obtaining a unit recovery cost;
For each combination of the cause of the failure selected by the user, referring to the failure occurrence probability table to obtain a unit profit rate;
Based on the unit failure occurrence probability obtained for each combination of the cause of failure selected by the user, the unit recovery cost, and the unit profit rate,
Unit premium = Unit failure probability x Unit recovery cost / (1-Unit profit margin)
Calculating the unit premium using the formula of
Obtaining a total premium by adding the unit premiums for all combinations of the failure factors selected by the user;
A program for causing a computer to execute an insurance fee calculation method for data recovery service insurance. The program according to claim 27,
In the step of calculating the unit premium,
The unit failure occurrence probability is stored in the first register,
Store the unit recovery cost in the second register,
Store the unit profit rate in the third register,
By subtracting the unit profit rate stored in the third register by the ALU from 1, 1-unit profit rate is obtained, and this is stored in the third register or the fourth register,
The unit failure occurrence probability stored in the first register by the ALU is multiplied by the unit recovery cost stored in the second register, and this multiplication result is used as the first register, the second register, or the fifth register. Stored in
The unit is obtained by dividing the multiplication result stored in the first register, the second register, or the fifth register by the ALU by the 1-unit profit rate stored in the third register or the fourth register. Get insurance premiums,
Or
The unit failure occurrence probability is stored in the first register,
Store the unit recovery cost in the second register,
Store the unit profit rate in the third register,
By subtracting the unit profit rate stored in the third register by the ALU from 1, 1-unit profit rate is obtained, and this is stored in the third register or the fourth register,
The unit recovery cost stored in the second register by the ALU is divided by the 1-unit profit rate stored in the third register or the fourth register, and the division result is divided into the second register, Storing in the third register or the fifth register;
The unit insurance premium is obtained by multiplying the unit failure occurrence probability stored in the first register by the ALU by the division result stored in the second register, the third register, or the fifth register. ,
A program characterized by The program according to claim 27 or 28,
The unit failure occurrence probability depends on a cumulative value of failure occurrence probabilities for each unit period within a guarantee period for each combination of failure factors. The program according to any one of claims 27 to 29,
The unit recovery cost depends on a combination of failure factors. The program according to any one of claims 27 to 30,
The unit profit rate depends on demand for each combination of failure factors. The program according to claim 27 or 28,
The cause of failure includes at least one of cause of failure, guarantee object, guarantee period, medium capacity, medium type, and failure property. The program according to claim 32,
The unit failure occurrence probability is a failure for each unit period within the warranty period for each combination including at least one of the cause of the failure, the warranty object, the warranty period, the capacity of the medium, the type of the medium, and the nature of the failure. A program that depends on the cumulative value of occurrence probability. The program according to claim 32 or 33,
The unit recovery cost depends on a combination including at least one of a cause of a failure, a guarantee object, a guarantee period, a medium capacity, a medium type, and a failure. The program according to any one of claims 32 to 34,
The unit profit rate depends on a demand for each combination including at least one of a cause of failure, a guarantee object, a guarantee period, a medium capacity, a medium type, and a failure property. . The program according to any one of claims 32 to 35,
The cause of the failure includes at least one of a malfunction, a malfunction, a drop, and a flood. The program according to any one of claims 32 to 36,
The subject of the guarantee is address book of postcard creation software, mailer address book, sent / received mail, word processing document, spreadsheet software data, database, still image data, video data, music data, audio data, PDF data , A program comprising at least one of drawing data, drafting data, and presentation data. The program according to any one of claims 32 to 37,
The type of medium includes at least one of a magnetic disk, a magneto-optical disk, an optical disk, and a semiconductor. The program according to any one of claims 32 to 38,
A program characterized in that the nature of the failure includes at least one of a logical failure and a physical failure.

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