JP6793371B1 - Driver's license return insurance device and driver's license return insurance system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a driver's license return insurance device and a driver's license return insurance system for promoting the return of a driver's license by an elderly driver. When a user's date of birth is input in input item 3-1 in a driver's license return insurance device, the current full age is automatically displayed based on the input date of birth. In the input item 3-2, the age at which the user is expected to drive in the future is input. In the input item 3-3, information on how long the user wants to receive the benefit after returning the driver's license is input. In the input item 3-4, the estimated amount (desired amount) of the benefit that the user wants to receive after returning the driver's license is input. The amount of benefits and premiums paid will be optimized while the additional financial burden after the driver's license is returned will be covered by the driver's license return insurance. [Selection diagram] FIG. 8

Description

The present invention relates to a driver's license return insurance device and a driver's license return insurance system.

In recent years, with the aging society, traffic accidents caused by elderly drivers with a driver's license (hereinafter, also simply referred to as elderly people) have become a social problem. The cognitive function test introduced in the license renewal for the elderly aged 75 and over from March 2017 is not always universal, and there are many cases where a traffic accident occurred after the license renewal after undergoing this test. (See, for example, Patent Document 1).

On the other hand, the voluntary return of driver's licenses by elderly drivers, which was expected due to the introduction of cognitive function tests, is also sluggish (see, for example, Patent Document 2). Behind this is the reality that automobiles have become an indispensable part of daily life for many elderly drivers. Especially in rural areas, automobiles are a daily necessities, and it is difficult for the elderly to easily let go of automobiles, which is a convenient means of transportation.

JP-A-2016-214311 Utility Model Registration No. 3211736

One of the reasons why it is difficult for elderly drivers to return their driver's license is that they are worried about the financial burden such as transportation expenses after returning their driver's license. It would be good if the burden was lighter than the elderly would expect, but if the burden would increase significantly, the elderly would be hesitant to return their driver's license.

The present invention has been proposed in view of the above points, and one aspect of the present invention is to promote the return of a driver's license by an elderly driver from the viewpoint of reducing the financial burden after the return of the driver's license. To do.

To solve the above problems, driving license Hen'no insurance device according to the present invention, there is provided a driver's Hen'no insurance device regarding driver's Hen'no insurance insurance is benefit after Hen'no driving license of the user, from the user based on the input information, and private cars cost calculation means for calculating a private car cost burden of the year according to the private car use maintenance of the user, based on the input information from the user, use public transportation of the user The transportation cost calculation means for calculating the annual transportation cost burden amount, and when the transportation cost burden amount is larger than the private car cost burden amount, the amount of the insurance money to be paid to the user in the future , the transportation cost burden and the input means for inputting the difference amount between the private car cost burden, based on the difference amount entered in the benefits of the insurance, to estimate the insurance premiums that the user pay It has an insurance premium calculation means.

According to the embodiment of the present invention, it is possible to promote the return of the driver's license by the elderly driver from the aspect of reducing the financial burden after the return of the driver's license.

It is a figure which shows the configuration example of the driver's license return insurance system which concerns on this embodiment. It is a figure which shows the hardware configuration example of the insurance server which concerns on this embodiment. It is a figure which shows the software configuration example of the insurance server which concerns on this embodiment. It is a figure which shows the flow from the participation of the driver's license return insurance which concerns on this embodiment to the benefit. It is a figure which shows an example of the simulation screen A of the private car cost burden amount which concerns on this embodiment. It is a figure which shows an example (the 1) of the simulation screen B of the transportation cost burden amount which concerns on this embodiment. It is a figure which shows an example (the 2) of the simulation screen B of the transportation cost burden amount which concerns on this embodiment. It is a figure which shows an example (the 3) of the simulation screen B of the transportation cost burden amount which concerns on this embodiment. It is a figure which shows an example (the 4) of the simulation screen B of the transportation cost burden amount which concerns on this embodiment. It is a figure which shows an example of the simulation comparison result screen C of the private car cost burden amount and the transportation cost burden amount which concerns on this embodiment. It is a figure which shows an example of the insurance premium calculation screen D which concerns on this embodiment.

Embodiments of the present invention will be described in detail with reference to the drawings.
<Overview>
In view of the above points, the present invention proposes "driver's license return insurance (movement cost support insurance after driver's license return)". Specifically, all drivers who have a driver's license in the target municipality can join from the specified full age, and if they join, they will pay the subscription fee and monthly insurance premium (stake). If you return your driver's license after a certain period of time, for example, after the age of 70, the subscriber will receive a monthly benefit (insurance) as a subsidy for the cost of traveling by public transportation such as buses, taxis, and railroads. It is a voluntary insurance that you can receive.

The driver's license return insurance system according to this embodiment is a system used by a driver (hereinafter referred to as a user) who is a user when he / she joins / considers joining the driver's license return insurance. In the driver's license return insurance system, first of all, the monetary "own car cost burden" (annual estimated amount) required for using a car at the present time and the "transportation cost" incurred when the driver's license is returned at the present time Calculate the "burden amount" (annual estimated amount) by simulation. Next, by comparing the calculated both burdens, the additional financial burden after the driver's license is returned is visualized. Then, referring to the additional financial burden, if you set the amount of benefits you want to receive with insurance, the monthly premium will be calculated according to the amount of benefits. This will be described in detail below.

<System configuration>
(Network configuration)
FIG. 1 is a diagram showing a configuration example of a driver's license return insurance system according to the present embodiment. In the driver's license return insurance system 100 in FIG. 1, the insurance server 10 and the insurance terminal 20 are connected to each other via the network 50.

The driver's license return insurance server (hereinafter referred to simply as the insurance server) 10 calculates the "car cost burden" when using a car when joining the driver's license return insurance and the "transportation cost burden" when the driver's license is returned. It is a server device of an underwriting insurance company for calculating insurance premiums for driver's license return insurance, joining and applying.

The insurance terminal 20 is a terminal device for a user to access the insurance server 10. Specifically, the insurance terminal 20 is various information processing devices including a PC installed in an insurance company, a PC owned by a user, a smartphone, and a tablet terminal. An application program (general-purpose web browser, dedicated application, etc.) for accessing the insurance server 10 is pre-installed in the insurance terminal 20, and information is exchanged with the insurance server 10 via the application program.

The network 50 is a communication network including wired and wireless. The network 50 includes, for example, a dedicated line, a LAN, the Internet, a public network, WiFi (registered trademark), and the like. However, for example, if the insurance terminal 20 is a PC installed in an insurance company and access is permitted only to a PC permitted by the insurance company, the network 50 becomes a dedicated line, a LAN in the insurance company, or the like. .. If the insurance terminal 20 is a PC, smartphone, or tablet terminal owned by the user and the user is allowed to access the insurance server 10 by himself / herself, the network 50 becomes the Internet, WiFi (registered trademark), or the like. ..

(Hardware configuration)
FIG. 2 is a diagram showing a hardware configuration example of the insurance server according to the present embodiment. The insurance server 10 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, an HDD (Hard Disk Drive) 14, and a communication device 15.

The CPU 11 executes various programs and performs arithmetic processing. The ROM 12 stores programs and the like required at startup. The RAM 13 is a work area for temporarily storing the processing in the CPU 11 and storing the data. The HDD 14 stores various data and programs. The communication device 15 communicates with another device via the network 50.

(Software configuration)
FIG. 3 is a diagram showing a software configuration example of the insurance server according to the present embodiment. The insurance server 10 has an acquisition unit 101, a car cost calculation unit 102, a transportation cost calculation unit 103, a difference amount calculation unit 104, an input unit 105, an insurance premium calculation unit 106, and a storage unit 107 as main functional units.

The acquisition unit 101 acquires (receives) information including at least the user's place of residence and the destination of going out from the user's insurance terminal 20.

The private car cost calculation unit 102 calculates the private car cost burden for the user's use of the private car based on the information including the user's place of residence and the destination for going out.

The transportation cost calculation unit 103 calculates the transportation cost burden for the user's use of public transportation based on the information including the user's place of residence and the destination of going out.

The difference amount calculation unit 104 calculates the difference amount between the private car cost burden amount and the transportation cost burden amount.

In the input unit (input setting unit) 105, when the transportation cost burden is larger than the private car cost burden, the insurance payment amount to be paid to the user is divided into the transportation cost burden amount and the private car cost burden amount. Enter and set the difference amount.

The insurance premium calculation unit 106 estimates the insurance premium paid by the user based on the input amount of the benefit.

The storage unit 107 stores the traffic DB 107a, the map DB 107b, the driver's license return privilege DB 107c, and the insurance premium DB 107d.

The transportation DB 107a is a database including information such as railway and bus route information, station / bus stop information, timetables, fares / charges, and the like. The map DB 107b is a database including information such as facilities, addresses, roads, and distances on the map. By referring to the transportation DB 107a and the map DB 107b, the transportation cost burden for moving between the user's home (residential area) and the outing destination is calculated.

The driver's license return privilege DB107c is a database that includes information such as the presence / absence of a driver's license return privilege, applicable transportation facilities and facilities, applicable conditions, and discount rates (discount amounts) for fares and charges for each local government. By referring to the driver's license return privilege DB107c, the presence or absence of the driver's license return privilege is determined based on the user's home (residential place), and if there is a driver's license return privilege, applicable transportation means. The facility, applicable conditions, and fare / charge discount rate (discount amount) are determined.

The insurance premium DB 107d is a database containing information necessary for calculating the premium paid, such as various conditions and the insurance premium rate. By referring to the insurance premium DB107d, the premium paid is calculated based on input information such as the full age at the time of enrollment in insurance, the full age at the time of receiving benefits, the insurance period enrolled, and the benefits received.

Each functional unit is realized by a computer program executed on hardware resources such as a CPU, ROM, and RAM of a computer constituting the insurance server 10. These functional parts may be read as "means", "module", "unit", or "circuit".

<Flow from enrollment in driver's license return insurance to benefits>
FIG. 4 is a diagram showing a flow from the participation of the driver's license return insurance according to the present embodiment to the benefit.

First, in the scene at the time of joining the driver's license refund insurance, the insurance premium is calculated using the driver's license refund insurance system 100 according to the present embodiment (step S1).

Next, the policyholder (user) applies for insurance and pays the insurance fee and the first month insurance premium (step S2). Upon receiving the application for insurance, the insurance company approves the insurance after a certain examination (step S3). Once the insurance coverage is approved, the policyholder pays a monthly premium (step S4).

When the contractor is older than a certain age and intends to return the driver's license, the driver's license is returned to the police station or the driver's license center (step S5). The police station or the driver's license center receives a driving history certificate and issues a driving history certificate (step S6).

The policyholder claims the benefit from the insurance company (step S7). Upon receiving the claim for the benefit, the insurance company pays the benefit to the policyholder (step S8).

<Usage example>
Next, a usage example of the driver's license return insurance system 100 according to the present embodiment will be described in detail. In this usage example, the following users are assumed as an example.
・ The user is currently 65 years old.
・ I currently own my own car and drive myself when I go out.
・ Because I live in a rural area, it is difficult to live without a car like in the city.
・ I think I can drive for the time being. However, because of physical anxiety about driving, I feel the need to return my driver's license in the near future (for example, around 70 years old).

At this time, the user uses the driver's license return insurance system 100 when enrolling in the driver's license return insurance.

(1) Calculate the monetary "own car cost burden" (annual estimated amount) required for using the car at the present time by simulation.

(2) Calculate the "transportation cost burden" (annual estimated amount) when the driver's license is returned by simulation.

(3) If the difference between the "own car cost burden" and the "transportation cost burden" is higher, especially if the "transportation cost burden" is higher when the driver's license is returned, after the driver's license is returned Visualize the additional financial burden in.

(4) If you set the desired benefit amount you want to receive with the driver's license return insurance in order to cover the additional financial burden that occurs when you return the driver's license with insurance, based on the set benefit amount , The premium to be paid in the future after taking out insurance will be calculated and determined.

In this way, at the time of enrolling in the driver's license refund insurance, the user sets the additional financial burden after the driver's license is returned to the desired benefit amount to be received by the driver's license refund insurance based on the simulation comparison result. can do. Since the premium paid is calculated and determined based on the set benefit amount, the user can set the optimum benefit amount and premium paid for himself / herself.

In addition, by joining the driver's license return insurance, the additional financial burden after the driver's license is returned is covered, so that the user's anxiety about the financial burden after the driver's license is returned is reduced. As a result, the user becomes more willing to return the driver's license, and by extension, it is possible to further promote the return of the driver's license of the elderly driver.

(Simulation screen of private car cost burden)
FIG. 5 is a diagram showing an example of the simulation screen A of the private car cost burden according to the present embodiment. The user can display the simulation screen A on the insurance terminal 20 by accessing the insurance server 10 using the insurance terminal 20.

As shown in the figure, the simulation screen A of the private car cost burden is provided with input items (also referred to as input information items) used for calculating the private car cost burden. The insurance server 10 calculates the "own car cost burden amount" (annual estimated amount) based on the input items input by the user. In the following, the information and values input to the input items on the simulation screen in the figure are examples.

In the input item 1-1, the vehicle body purchase cost of the car currently owned is input. In the input item 1-2, the time when the current car was acquired is input. In the input items 1-3, the period for using (using) the current car is input.

Input items 1-4 enter the fuel cost (gasoline, light oil, charging, etc.) per month of the current car. In the input items 1-5, the toll for the expressway used by the current car is input.

In the input items 1-6, the cost to be inspected at the time of the current vehicle inspection is input. For input items 1-7, input maintenance costs (oil, tire replacement, etc.) other than the current vehicle inspection of the car. In the input items 1-8, the premium (stake) of the voluntary insurance currently applied to the car is input.

In the input items 1-9, the parking fee (monthly) of the current car is input. In the input items 1-10, the parking lot fee when using the outing parking lot with the current car is input.

When the above input items are input to the user, the total cost for maintaining the use of the car for one year is calculated on the simulation screen A. The "own car cost burden" as a simulation result is indicated by (d) "total" of the following (a) "body cost part", (b) "fixed cost part" and (c) "variable cost part". ..

(A) The "body cost portion" is calculated by dividing the car body purchase cost (input item 1-1) by the entire usage period ((input item 1-3)-(input item 1-2)). ..

(B) The "fixed cost portion" includes vehicle inspection costs (input items 1-6), maintenance costs (input items 1-7), voluntary insurance (input items 1-8), and parking fees (input items 1-9). It is calculated by estimating the annual cost for each of the above and adding them together.

(C) The "variable cost portion" is the annual cost for each of the fuel cost (input item 1-4), expressway usage fee (input item 1-5), and parking fee (input item 1-10). Is estimated and calculated by adding them together.

In this way, the user can grasp the monetary "own car cost burden" (annual estimated amount) required for using the car before the current driver's license is returned by a specific amount. Next, the user proceeds to the transportation cost burden simulation following the private car cost burden simulation.

(Simulation screen of transportation cost burden)
FIG. 6A is a diagram showing an example (No. 1) of the simulation screen B of the transportation cost burden according to the present embodiment.

Input item 2-1 inputs the user's home address (residential place). In the input item 2-2, the name of the station closest to the user's home is input. In input items 2-3, the distance between the user's home and the nearest station is input. Input item 2-4 inputs the number of trains per day on weekdays at the nearest station. Input item 2-5 inputs the user's home and the nearest bus stop. Input item 2-6 inputs the distance between the user's home and the nearest bus stop. Input item 2-7 inputs the number of bus services of the nearest station on weekdays.

In order to reduce the time and effort of inputting the user, when the user's home address is input in the input item 2-1, the input item 2-2-2 to the input item 2-7 is based on the input home address. The corresponding information is acquired from the traffic DB and the map DB and automatically displayed in.

FIG. 6B is a diagram showing an example (No. 2) of the simulation screen B of the transportation cost burden according to the present embodiment. FIG. 6B is displayed when the scroll bar 601 is scrolled downward on the screen of FIG. 6A.

In the input item 2-8, the information of the user's outing destination is input. More specifically, as specific outing destination information used for estimating transportation costs, "destination type", "destination name", "destination address", "going out to the destination" Enter "Frequency", "Name of the nearest station / bus stop", "Distance between the nearest station / bus stop and the destination", and "Number of daily flights of the nearest station / bus stop".

When the "destination type" and "destination name" are manually input, the corresponding information is acquired from the map DB and automatically displayed as the "destination address". If the "destination address" is manually entered first, the corresponding information of the "destination type" and "destination name" is acquired from the map DB and automatically displayed.

The "frequency of going out to the destination" may be selected and input from predetermined options such as daily, weekly, once a month, and irregularly, or a specific frequency may be input numerically.

"Name of the nearest station / bus stop", "Distance between the nearest station / bus stop and the destination", "Number of daily flights of the nearest station / bus stop" are based on the entered "Address of the destination". Corresponding information is acquired from the traffic DB and the map DB and automatically displayed.

It is possible to input multiple information on the destination of going out. In this case, by operating "Add outing destination" 602, new input items 2-8 are additionally displayed so that they can be input, so that the user inputs multiple information on the outing destination in the same manner. I will do it.

In the input item 2-9, the information of the usage policy for each public transportation of the user is input. More specifically, there are "taxi usage policy", "railway usage policy", and "bus usage policy" as specific information for selecting the type of public transportation.

Of these, for example, the "taxi usage policy" is for priority use in all travel sections, priority use in sections without bus routes, priority use in sections with less than 10 bus routes per day, and 20 bus routes per day. Priority use in sections with only the following, priority use in sections without railroads, priority use in sections with less than 20 trains a day, priority use in sections with only 30 or more trains a day, destinations and stations / bus stops Priority use in sections where the distance to the destination is 100 m or more, priority use in sections where the distance between the destination and the station / bus stop is 500 m or more, priority use in sections where the distance between the destination and the station / bus stop is 1000 m or more, etc. .. It should be noted that multiple selections are possible. As a result, when a plurality of public transportation systems are available, the simulation system considers which public transportation system should be used with priority.

FIG. 6C is a diagram showing an example (No. 3) of the simulation screen B of the transportation cost burden according to the present embodiment. FIG. 6C is displayed by scrolling down on the screen of FIG. 6B.

In input item 2-10, based on the information of the user's outing destination entered in input item 2-8, a driver's license return privilege (such as presenting a driving history certificate, etc.) near the outing destination, etc. If you do), the privileged facilities that you can receive will be displayed. The outing destination entered in the input item 2-8 is the place that the user visits on a daily basis before returning the driver's license. Therefore, when the privilege facility that the user actually stops by and uses when visiting the outing destination is displayed, the user selects the facility in the check column 603. At the same time, in "Monthly usage amount (approximate) at this facility" 604, the estimated monthly usage amount at the facility is input on a daily basis.

For example, in the vicinity of "○○ Kyodo Hospital", which is one of the users' outing destinations, there is a privilege facility "○○ Super" where you can receive the driver's license return privilege. When the user actually uses the privilege facility "○○ Super" on a daily basis when visiting the outing destination, the user selects the facility in the check box 603. Further, in "Monthly usage amount (approximate amount) at this facility" 604, the approximate amount of monthly usage amount (for example, shopping amount) at the facility is input on a daily basis.

As for the privilege facilities, all the privilege facilities located in the vicinity, that is, within a predetermined distance, are displayed based on the user's outing destination entered in the input item 2-8. Therefore, even if the facility is displayed as a privilege facility, the facility that the user does not use on a daily basis is not selected in the check column 603.

For example, in the vicinity of "○○ Kyodo Hospital", which is one of the users' outing destinations, there is a privilege facility "○○ Cafe" where you can receive the driver's license return privilege. However, if the user does not actually use the privilege facility "○○ Cafe" on a daily basis when visiting the outing destination, the user does not select the facility in the check box 603.

Figure 6 D is a diagram showing an example (Part 4) of the simulation screen B transportation costs burden according to the present embodiment. FIG. 6D is displayed by scrolling down on the screen of FIG. 6C.

When the input items of FIGS. 6A to 6D are input to the user, the total cost for returning the driver's license and using public transportation for one year is calculated on the simulation screen B as a simulation result.

(E) "Transportation cost burden" includes the entered home address (input item 2-1), availability of public transportation around the home (input item 2-2 to input item 2-7), and going out. Calculated by collating with the relevant information from the transportation DB (transportation charge DB) and map DB based on the destination (input item 2-8) and the usage policy for each public transportation system (input item 2-9). It is automatically displayed. That is, as a simulation result, the transportation cost for one year from the home address to the outing destination is calculated.

(F) The "privilege discount amount for driver's license returnees" is calculated and automatically displayed when the privilege for the driver's license returnee is applicable. Depending on the local government, in order to reduce the financial burden after returning the driver's license, a preferential system (hereinafter referred to as the driver's license return privilege) has been set up for the elderly who have returned the driver's license in terms of using public transportation. There is a local government. Therefore, if the local government where the user lives has a driver's license return privilege, the obtained privilege / discount can be reflected in the amount.

(F1) "Transportation privilege discount amount" indicates the discount amount of public transportation fare (for example, fare of railway, bus, taxi, etc.) applicable to (e) "Transportation expense burden" in the case of the user. .. By collating the entered home address (input item 2-1) with the driver's license return privilege DB, information on the presence or absence of the driver's license return privilege, applicable public transportation, applicable conditions, discount rate (discount amount) Based on, the benefits / discounts that can be obtained are specifically calculated and displayed.

For example, if there is a fare discount system that offers a 50% discount on railway and bus fares and a 10% discount on taxi fares for elderly people who have returned their driver's license, the original rail fares per year. If the fare is 100,000 yen, the bus fare is 20,000 yen, and the taxi fare is 480,000 yen, the "transportation privilege discount amount" is 60,000 yen for the railway fare and 10,000 yen for the bus fare, respectively. , The tax fare is calculated to be 48,000 yen. If the local government where the user lives does not provide a preferential treatment system, the "transportation privilege discount amount" is calculated as 0 yen.

(F2) The "facility use privilege discount amount" is the facility amount (for example, shopping amount, food and drink amount) applicable to the "monthly usage amount (approximate amount) at this facility" 604 selected in the check column 603 by the user. Shows the discount amount of. By collating the privilege facility (input item 2-10) selected in the check field 603 by the user with the driver's license return privilege DB, based on the information of the discount rate (discount amount) associated with the privilege facility. , The benefits and discounts that can be obtained are calculated and displayed.

For example, if there is a driver's license return privilege that gives 5% off the purchase amount at "○○ Super" for elderly people who have returned their driver's license, the original purchase amount at "○○ Super" is 10 every month. Assuming that it is 000 yen, that is, 120,000 yen per year, the "facility use privilege discount amount" is calculated as 6,000 yen.

(G) "Transportation cost burden to which the transportation privilege discount amount is applied" is calculated by adding (f1) "Transportation privilege discount amount" to (e) "Transportation cost burden" ((f1) is. Negative notation). As a result, the user further grasps the "transportation cost burden amount" (annual estimated amount) to which the discount rate (discount amount) based on the driver's license return privilege applicable to the user himself / herself is applied by a specific amount. It becomes possible. In addition, it is possible to more substantially (realistically) simulate the "transportation cost burden" when the driver's license is returned.

In addition, here, (g) "Transportation cost burden amount to which the transportation privilege discount amount is applied" is treated as not including (f2) "Facility use privilege discount amount". (F2) The "facility use privilege discount amount" is only the privilege discount amount associated with the facility use, and is not a combination of transportation costs. This point will be described later again.

As described above, the user can grasp the "transportation cost burden amount" (annual estimated amount) when the driver's license is returned by a specific amount. Next, the user proceeds to the simulation comparison result following the transportation cost burden simulation.

(Simulation comparison result screen of private car cost burden and transportation cost burden)
FIG. 7 is a diagram showing an example of a simulation comparison result screen C of the private car cost burden amount and the transportation cost burden amount according to the present embodiment. The comparison result between the private car cost burden before the driver's license is returned and the traffic cost burden after the driver's license is returned is displayed, which is calculated by the above-mentioned private car cost burden simulation.

(H) "Estimated difference in transportation cost burden for customers after returning their driver's license" is (d) "Total" to (Fig. 5), (g) "Transportation cost burden amount to which the transportation privilege discount amount is applied" It is calculated by subtracting (FIG. 6D). As a result, the user can grasp how much the transportation cost (movement cost) is different between before the driver's license is returned and after the driver's license is returned in his / her own case by a specific amount.

(I) "Financial burden to which the facility use privilege discount amount is applied" is added to (h) "Estimated difference in transportation cost burden of customers after returning the driver's license", and (f2) "Facility use privilege discount" It is calculated by adding "amount" (Fig. 6D) ((f2) is a negative notation). This makes it possible for the user to grasp the difference in burden in his / her own case, including the other benefits obtained before and after the driver's license is returned, based on the specific amount.

(Driving license refund insurance premium calculation screen)
FIG. 8 is a diagram showing an example of the insurance premium calculation screen D according to the present embodiment.

In the input item 3-1, the date of birth of the user is input. When the user's date of birth is entered in the input item 3-1 the current full age is automatically displayed based on the entered date of birth. In the input item 3-2, the age at which the user is expected to drive in the future is input.

In the input item 3-3, information on how long the user wants to receive the benefit after returning the driver's license is input. As information on whether or not you want to receive benefits, you can enter a specific age such as up to 70 years old or 75 years old, or a specific number of years such as 3 years or 5 years. Also, select from the options (phrases or sentences) associated with the number of years that can be specifically specified, such as "until death (up to life expectancy)" and "until the year when you can move to good health (up to healthy life expectancy)". You may.

In the input item 3-4, the approximate amount (desired amount) of the benefit that the user wants to receive after returning the driver's license is input. As the initial value of the "annual amount" of the input item 3-4, the estimated difference in the transportation cost burden of the customer after the driver's license is returned ((h) in FIG. 7) is automatically displayed based on the simulation comparison result. The "monthly amount" of the input item 3-4 is automatically displayed by dividing the "annual amount" by 12.

In other words, the current "own car cost burden" (annual estimated amount) before the driver's license is returned and the "transportation cost burden" (annual estimated amount) when the driver's license is returned are calculated by simulation, and the driver's license is calculated. If the "transportation cost burden" is higher when the driver's license is returned, the difference is automatically entered in the initial value of input item 3-4 as the desired benefit amount to be received by the driver's license return insurance. By setting the desired benefit amount to receive the initial value, the user can cover the additional financial burden after the driver's license is returned by the driver's license return insurance, and pay the benefit amount and the premium paid. It can be optimized.

Needless to say, the initial values of the input items 3-4 can be changed by manual input. It may still be uneasy to cover only the additional financial burden after the driver's license is returned, for example, assuming that the user will become a pensioner in the future. This is the case when it is difficult to bear the "own car cost burden" in the future as it is now. In such a case, based on the idea that the driver's license return insurance is an insurance to cover transportation expenses after the driver's license is returned, the estimated amount (desired amount) of the benefit in input item 3-4 is (g). It is also possible to enter the transportation cost burden amount (Fig. 6D) to which the transportation privilege discount amount is applied as the upper limit.

Furthermore, when the user presses "Apply facility use privilege discount amount" 605, the initial value of "annual amount" in the input item 3-4 is further based on the simulation comparison result, and the facility use privilege discount amount is further increased. Is replaced with the estimated difference in the monetary burden to which is applied ((i) in FIG. 7) and automatically displayed.

In addition to the transportation benefit discount obtained before and after the driver's license is returned in his / her case, the user wants to receive the initial value of the estimated difference in the monetary burden including the facility use benefit discount. By doing so, the user can further optimize the benefit amount and the premium paid while compensating (covering) the additional financial burden after the driver's license is returned by the driver's license return insurance.

(J) As for "customer's premium paid (monthly amount)", the premium paid is calculated based on the information entered in the input items 3-1 to 3-4 with reference to the insurance premium DB. The premium paid is the premium paid for the user to cover the additional financial burden after the driver's license is returned by the driver's license return insurance. Specifically, the enrollment insurance period (for example, 6 years) is calculated from the current full age (input item 3-1) and the estimated driving age (input item 3-2), and the estimated amount of benefits (for example, 6 years) in the enrollment insurance period (input item 3-2). It is possible to calculate the premium paid to receive (input item 3-3) after the assumed driving age.

(Supplement)
The initial value of the input item 3-4 was the difference amount when the "transportation cost burden amount" was higher when the driver's license was returned. However, this is appropriate if the user can bear at least the "own car cost burden" after returning the driver's license in the future. That is, if it is assumed that the user will become a pensioner in the future, for example, and it is assumed that it will be difficult to bear the "own car cost burden" in the future as in the present, driving. It is not always sufficient if the desired benefit amount to be received by the license refund insurance is only the above-mentioned difference amount.

In such a case, based on the idea that the driver's license return insurance is an insurance to cover transportation expenses after the driver's license is returned, input item 3-4 of the estimated amount of benefits (desired amount) in input item 3-4. The initial value of (g) may be the transportation cost burden amount (Fig. 6D) to which the transportation privilege discount amount is applied. Alternatively, the inputtable value range may be displayed in the vicinity of the input item 3-4. For example, the upper limit of the inputtable value range is the transportation cost burden amount to which the (g) transportation privilege discount amount is applied, and the lower limit is the above-mentioned difference amount.

In general, the driver's license was returned with respect to the simulation comparison result between the current "own car cost burden" (annual estimated amount) and the "transportation cost burden" (annual estimated amount) when the driver's license is returned. In many cases, the "transportation cost burden" is higher. Especially when the user is a rural resident, the number of railroad and bus services is extremely small and it is difficult to use it realistically, and in the first place, the place of residence is often not in a place where railroads and buses can be practically used. Therefore, one of the reasons is that the taxi fare is expensive.

On the other hand, depending on the user, the "transportation cost burden" when the driver's license is returned may be cheaper. In other words, in the case of such a user, by returning the driver's license, the burden of transportation costs can be reduced compared to when using a private car. That is, in such a case, by confirming the simulation comparison result, it is possible to reduce the user's anxiety about the financial burden after the driver's license is returned even if the user does not take out the driver's license return insurance. ..

Alternatively, although the burden of transportation costs is reduced compared to when using a car, the driver's license return insurance is considered to be insurance to cover the transportation costs after the driver's license is returned, and in the input item 3-4. The initial value of the input item 3-4 of the approximate amount (desired amount) of the benefit may be the transportation cost burden amount (Fig. 6D) to which (g) the transportation privilege discount amount is applied.

<Summary>
As described above, according to the driver's license return insurance system 100 according to the present embodiment, the financial burden of travel costs before and after the driver's license is returned is visualized by simulation at the time of joining the driver's license return insurance. In addition, based on the simulation comparison results, the additional financial burden after the driver's license is returned is set to the desired benefit amount to be received by the driver's license return insurance so that it can be compensated. It is possible to reduce user anxiety about the burden. As a result, the user becomes more willing to return the driver's license, and by extension, it is possible to further promote the return of the driver's license of the elderly driver. In addition, it is possible to propose a sustainable system in the future without relying solely on or coexisting with preferential treatment systems and financial resources of local governments.

In addition, it can be a measure that can solve various problems with the promotion of driver's license return. For example
・ As the driver's license is returned, the number of accidents caused by elderly drivers will decrease.
・ Contributes to alleviating traffic congestion,
・ The amount of walking by the elderly can be increased, and the health condition of the elderly can be improved.
・ Transportation demand by the elderly (for example, taxi) will increase,
-Furthermore, it is expected that the routes in the area will be expanded (for example, buses), and as a result, the convenience of public transportation will be improved even for non-elderly people.

In addition, although the present invention has been described by showing specific specific examples according to a preferred embodiment of the present invention, these specific examples do not deviate from the broad purpose and scope of the present invention defined in the claims. It is clear that various modifications and changes can be made to the example. That is, it should not be construed that the present invention is limited by the details of the specific examples and the accompanying drawings.

In the present embodiment, public transportation is, for example, railroad, bus, and taxi, but is not limited to these, and includes all other transportation except for the user's own car. In other words, any means of transportation may be used as an alternative to the user's own car.

The user's own car does not necessarily have to be owned by the user. For example, it may be a rental car owned by another person, and the rental car may be free or paid, and the private car cost burden that reflects the cost may be calculated.

The driver's license return insurance system 100 according to the above-described embodiment is a so-called client-server type system in which the insurance server 10 and the insurance terminal 20 are connected via the network 50. However, the driver's license return insurance system 100 can also be a stand-alone type by installing a computer program for executing each of the above-mentioned functional units of the insurance server 10 on a PC installed in the insurance company. The user goes to the insurance company and uses the PC installed in the insurance company to calculate the insurance premium. That is, the PC installed in the insurance company is used as both the insurance server 10 and the insurance terminal 20.

10 Insurance server 20 Insurance terminal 50 Network 100 Driver's license refund insurance system 101 Acquisition unit 102 Private car cost calculation unit 103 Transportation cost calculation unit 104 Difference amount calculation unit 105 Input unit 106 Insurance premium calculation unit 107 Storage unit

Claims (6)

It is a driver's license return insurance device related to driver's license return insurance, in which insurance money is paid after the user's driver's license is returned.
Based on the input information from the user, a private car cost calculation means for calculating a private car cost burden annual according to private cars use maintenance of the user,
Based on the input information from the user, and the transportation cost calculation means for calculating the transportation cost burden of the year in accordance with the public transportation use of the user,
When the transportation cost burden is larger than the private car cost burden, the difference between the transportation cost burden and the private car cost burden is added to the insurance payment amount to be paid to the user in the future. Input means to input and
An insurance premium calculation means for estimating the insurance premium paid by the user based on the difference amount entered in the insurance payment amount, and
A driver's license return insurance device characterized by having. When the transportation cost burden is smaller than the private car cost burden, the input means inputs the transportation cost burden into the insurance payment amount to be paid to the user in the future.
The driver's license return insurance device according to claim 1. When the predetermined amount is input by the user, the input means inputs the predetermined amount into the benefit amount of the insurance money.
The range of the predetermined amount of money input by the user shall be displayed on the terminal of the user with the transportation cost burden as the upper limit and the difference amount as the lower limit.
The driver's license return insurance device according to claim 1 or 2. The transportation cost calculation means is the transportation cost burden amount to which the discount amount of the public transportation fare is applied when the public transportation fare discount system is provided for the driver license returnee at the user's place of residence. To calculate,
The driver's license return insurance device according to any one of claims 1 to 3, wherein the driver's license is returned. If a facility located within a predetermined distance of the user's outing destination has a discount system for using the facility for driver's license returners, the facility is displayed on the user's terminal.
The transportation cost calculation means calculates the transportation cost burden amount obtained by subtracting the discount amount associated with the facility use selected by the user from the facilities displayed on the user's terminal.
The driver's license return insurance device according to claim 4, wherein the driver's license is returned. A driver's license return insurance system that includes a driver's license return insurance device related to driver's license return insurance, in which insurance money is paid after the user's driver's license is returned, and the user's terminal.
The driver's license return insurance device
Based on the input information from the user, a private car cost calculation means for calculating a private car cost burden annual according to private cars use maintenance of the user,
Based on the input information from the user, and the transportation cost calculation means for calculating the transportation cost burden of the year in accordance with the public transportation use of the user,
When the transportation cost burden is larger than the private car cost burden, the difference between the transportation cost burden and the private car cost burden is added to the insurance payment amount to be paid to the user in the future. Input means to input and
It has a premium calculation means for calculating the premium paid by the user based on the difference amount input to the benefit amount of the insurance claim.
The terminal
A display means for displaying the private car cost calculation means, the transportation cost burden amount, the difference amount, and the insurance premium.
A driver's license return insurance system characterized by having.