JP6990804B2 - Insurance premium calculation system for comprehensive property insurance - Google Patents

Description

The present invention relates to a premium calculation system for comprehensive property insurance that compensates for damage caused by fire, earthquake, flood, etc. of a movable property (article) such as a distribution warehouse.

A warehouse operating company (hereinafter, also referred to as a "company") usually takes out comprehensive insurance for movables in case the owned property is damaged by fire, earthquake, flood, etc. Conventionally, the warehouse operating company notifies the insurance company (agency) of the expected next month's inventory amount, the monthly premium is determined based on it, and the next month's premium is paid to the insurance company at the end of the month. So-called prepayment was common (for example, Non-Patent Document 1). The reason for this is that it is difficult for the warehouse operating company to notify the insurance company of the daily inventory amount, and it is also difficult for the insurance company to calculate the daily premium. This is because there was no suitable way to calculate insurance premiums. Therefore, the insurance premium was constant even though the inventory amount fluctuated daily, and the fluctuation of the inventory amount was not reflected in the insurance premium. Furthermore, although the insurance amount is usually covered only by the purchase cost, there were many companies who had the illusion that they were paying the insurance premium to the selling price.

Logistics Comprehensive Insurance Pamphlet (SOMPO Holdings), 6 pages

In the conventional comprehensive insurance premium calculation system, even if there is a discrepancy between the predicted inventory amount and the actual inventory amount, the insurance premium and compensation limit have already been decided, and the insurance premium corresponds to the actual inventory amount. By comparison, there was usually excess or deficiency. In addition, even if an accident occurs when the inventory amount is higher than the predicted value and the actual damage amount is higher than the damage amount corresponding to the predicted inventory amount, it has been excluded from compensation. For these reasons, the premiums for the conventional comprehensive property insurance are prepaid, and the method of calculating the monthly premiums is unfair and expensive for the insured.

In the monthly premium calculation system according to the present invention, the conventional monthly premium is prepaid, which eliminates the feeling of unfairness and overpricedness in the calculation method, and provides a more convincing monthly premium for movable property insurance. The purpose is to provide.

The monthly premium calculation system for comprehensive property insurance according to the present invention is
Between the processing server, the inventory management / premium data storage means, the monitor terminal, the inventory management data transmission / reception means for transmitting / receiving data between the inventory management system of the customer company, and the insurance company. It has at least a data receiving / transmitting means for insurance companies that sends / receives data, and is operated by software.

As an initial setting, the inventory information data of the company is taken into the processing server, and based on this, a master displaying the insurance target items is created.
The master is transmitted to the terminal of the insurance company via the data receiving / transmitting means for the insurance company, the insurance company inputs the insurance premium rate for each item to be insured, and then the data of the insurance premium rate is processed. Sent to the server.

Further, the daily insurance management data is imported into the processing server every day, and the daily insurance premium for each insurance coverage item is calculated from the updated inventory management data and the insurance premium rate, and the insurance coverage item is calculated. The daily insurance premiums for each day are totaled to calculate the daily insurance premiums for the company, and the calculation results are stored in the inventory management / insurance premium data storage means.
The monthly insurance premium is calculated by accumulating the daily insurance premiums of the company at the end of the month for the current month, and the calculation result is transmitted to the company and the insurance company.

Since the monthly insurance premium calculation system (hereinafter, may be abbreviated as "this system") according to the present invention is linked with WMS (Warehouse Management System) or an accounting system, daily insurance premiums can be calculated. It becomes possible to calculate. Therefore, it is possible to calculate the insurance premium that reflects the actual inventory amount (inventory amount). Therefore, unlike the conventional method of calculating the monthly premium, it is possible to provide a more convincing monthly premium without a feeling of unfairness or overpricedness for the insured. Furthermore, this system makes it possible to adopt postpaid settlement of insurance premiums (provisional insurance premiums, fixed settlement method).

FIG. 1 is a diagram schematically showing the overall configuration of the monthly insurance premium calculation system according to the present invention. FIG. 2 is a diagram showing an example of a monitor display screen of the input data (warehouse master) of the warehouse information of the monthly insurance premium calculation system according to the present invention and the calculated insurance premium rate. FIG. 3 is a diagram showing an example of a monitor display screen of daily insurance premium calculation results by the monthly insurance premium calculation system according to the present invention. FIG. 4 is a diagram showing an example of a monitor display screen of insurance premium transition by a daily graph by the monthly insurance premium calculation system according to the present invention. FIG. 5 is a diagram showing an example of a monitor display screen (product / insurance premium master) in the case of calculating daily insurance premiums for each product by the monthly insurance premium calculation system according to the present invention.

(1) Configuration of the present system Fig. 1 schematically shows the outline of the configuration of the monthly premium calculation system for the comprehensive property insurance according to the present invention. The monthly insurance premium calculation system 100 of the present invention is owned by a business operator who manages this system and provides monthly insurance premiums to customers. This system includes a processing server 110 operated by software, inventory management data receiving / transmitting means 101 for receiving inventory management data of a company having an inventory management system and transmitting data to the company, and data to an insurance company. Data receiving / transmitting means 102 for insurance companies for transmitting data and receiving data from insurance companies, and inventory management / premium data storage means 120 for storing corporate inventory management data and premium-related data. , The system is provided with a monitor-equipped terminal 130 for inputting data and viewing the result. The processing server 110 includes a screen form creation unit 111, an insurance premium calculation unit 112, and an invoice creation unit 113, controls the transmission / reception of inventory management data and insurance premium data to and from companies and insurance companies, and is updated daily. The monthly premium is calculated using the management data and the premium rate entered by the insurance company.

For sending and receiving data between a company and an insurance company, for example, a public communication network such as the Internet or an arbitrary wired or wireless network can be used. The inventory management / insurance premium data storage means 120 may be a storage means in any format such as a memory device, a hard disk, or a database server. Further, in the embodiment, the processing server 110 is assumed to be owned by a business operator that provides a company with the monthly insurance premium calculated by the present invention, but all or part of the functions of the system are cloud computing. It may be done by ing.

Currently, when a company sells a product by mail order, it is mainly done by an inventory management system (WMS). The inventory management system is connected to the user terminal 15 of the mail order site or the terminal 16 of the store by communication, and by daily updating the inventory management data such as goods warehousing, inventory, shipping, inventory, and returns, it is currently in the warehouse. The type and quantity of a certain product are managed as data. When this inventory management system is a part of the accounting system, it is managed as a part of the data of the accounting system.

The monthly premium calculation system 100 includes an inventory management system 10 of a customer company 1 (in the case of a plurality of companies, an inventory management system 20 of a company 2, an inventory management system 30 of a company 3 ...) and an API (Application). It is always linked using data in the programming interface) or CSV (Comma Separated Value) format, and it is possible to grasp the daily inventory amount (purchase cost) in the warehouse 12. This system is communication-connected to the terminal 11 of the company 1 (hereinafter, simply referred to as "company") and the terminal 200 of the insurance company via a public communication network, and the daily inventory management data is collected from the terminal 11 of the company. It is sent to this system. The current inventory management data and inventory amount data sent to the processing server 110 via the inventory management data receiving / transmitting means 101 are displayed on the monitor of the terminal 130 and stored in the inventory management / insurance premium data storage means 120. Will be done. Further, the current inventory management data is also transmitted to the terminal 200 of the insurance company via the data receiving / transmitting means 102 for the insurance company, and is automatically displayed or made viewable.

The process of calculating the monthly insurance premium by the monthly insurance premium calculation system 100 of the present invention will be described below.
(2) Monthly premium calculation process (2-1) Warehouse information registration As an initial setting at the start of the monthly premium calculation process by this system 100, a table of insured items is displayed in the screen form creation unit 111 of this system. The entry form created as is sent to the terminal 11 of the company, and the company inputs warehouse information such as the location of the warehouse, the structure of the building, the type of products handled, and the ratio thereof from the terminal 11, and the input warehouse information data is It is transmitted to the system 100, displayed on the monitor of the terminal 130 of the system, and stored in the inventory management / insurance premium data storage means 120 as a company (warehouse) master. FIG. 2 shows an example of the master screen displayed on the monitor of the terminal 130. In this example, the warehouse name, location, and building structure of each warehouse owned by the company are displayed, as well as the insurance premium rate to be entered later.

Instead of inputting warehouse information from the terminal 11 of the company, functions such as API and CSV are used, and in the WMS of the company or the accounting system, among the warehouse data input in another form, the data required for this system is , It may be automatically transmitted to the system 100, converted into a warehouse master form in the processing server 110, and displayed on the terminal 130 of the administrator of the system as shown in FIG.
(2-2) Insurance premium rate calculation / input process

The inventory management data and the inventory amount data are also transmitted to and displayed on the terminal 200 of the insurance company via the data receiving / transmitting means 102 for the insurance company. Based on this data, the person in charge of the insurance company inputs the insurance premium rate for each warehouse in the embodiment of FIG. The input premium rate is sent to the processing server 110 of this system again via the data receiving / transmitting means 102 for the insurance company, and the input result is displayed on the monitor of the terminal 130.
(2-3) Daily insurance premium calculation process

The daily inventory management data and the inventory amount data are received by the processing server 110 from the inventory management system 10 of the company via the inventory management data transmission / reception means 101, and are stored in the inventory management / insurance premium data storage means 120. The daily insurance premium for each warehouse is calculated by the insurance premium calculation unit 112 (insurance premium rate x inventory amount) based on the daily data, and finally the insurance premium for each warehouse is totaled and the insurance premium for that day is calculated. It is calculated. The calculation results are displayed on the monitor screen of the terminal 130, for example, as shown in FIG. Further, the same display screen is transmitted to the terminal 11 of the company and the terminal 200 of the insurance company so that it can be automatically displayed or viewed.
(2-4) Visualization process of insurance premium transition

The daily insurance premium can be arbitrarily visualized on a daily graph, for example, and displayed on the monitor screen of the terminal as shown in FIG. This allows companies and insurance companies to share and understand changes in insurance premiums.
(2-5) Monthly insurance premium determination process

On the last day of the current month, each of the daily insurance premiums of the current month is accumulated by the insurance premium calculation unit 112, and the monthly amount of the insurance premium is fixed. The fixed monthly insurance premium is stored in the inventory management / insurance premium data storage means 120, and is displayed on each monitor of the terminal 130 of the system, the terminal 11 of the company, and the terminal 200 of the insurance company.
(2-6) Monthly insurance premium billing process

To claim the monthly premium, you may claim the integrated value of the daily premium mentioned above, but at the end of the month, the provisional premium for the current month is decided in advance based on the total monthly inventory based on the actual value. It is also possible to settle by the fixed clearing method, which clears the difference from the fixed monthly premium. Based on the fixed monthly insurance premium, the invoice for this monthly insurance premium is automatically generated by the invoice preparation unit 113, sent to the terminal 11 of the company, printed by a printer, and mailed to each company.

In the first embodiment, the basic monthly insurance premium calculation process by this system is shown, but in addition to this, the following functions can be provided as an alternative or additionally.

In the first embodiment, as an initial setting, a warehouse master is created in which the inventory management data of one company is finally collectively displayed for each warehouse held. However, if the customer company wants more detailed insurance premium calculation, instead of creating a warehouse master, it is based on the data such as product name, purchase cost, product type, etc. stored in the WMS server. A product master in the form of calculating insurance premiums for each product inventory is created by the screen form creation unit 111, the insurance premium rate is calculated by the insurance company, and monthly insurance premiums are calculated using the input product / insurance premium master. Can also be calculated. FIG. 5 shows an example of the monitor screen display of the product / insurance premium master. This function can be applied when the number of warehouses is small but the products handled are diverse.

In Example 1, the daily insurance premium rate is calculated simply by (insurance premium rate x inventory amount), but if you want to apply a discount according to the contract years of the customer or because you are a large customer, etc. It is also possible to calculate the daily premium using the discount premium rate obtained by multiplying the premium rate by (1-discount rate). This discount rate is set from the terminal 200 of the insurance company when the warehouse master or the product / insurance premium master is created.

In a company, if a product has already arrived, but there is a product that has not yet been registered in the inventory management system or accounting software, and if the product is damaged including this unregistered product, this system will use this unregistered product. It is also possible to make compensation for it. To do so, the additional amount arbitrarily determined by the company at the time of insurance contract is added to the current inventory amount at the time of master creation to make the inventory amount to be insured, and monthly insurance is applied to this amount by the same process as in Example 1. Calculate the fee. For example, if the inventory amount registered in the data is ¥ 4,500,000 and the preset additional amount is ¥ 1,000,000, the insurance premium for the total amount of both ¥ 5,500,000 is calculated. This function can be applied when there are many types of products and it is difficult to register the products in real time.

Although the above description has been made for Examples, it will be apparent to those skilled in the art that the present invention is not limited thereto and various modifications and modifications can be made within the scope of the principles of the present invention and the appended claims.

10 WMS (warehouse management system) of company 1
12 Warehouse of company 1 15 User terminal 16 Terminal of store 20 WMS of company 2
30 WMS of company 3
100 Monthly insurance premium calculation system 101 Inventory management data receiving / transmitting means 102 Data receiving / transmitting means for insurance companies 110 Processing server 111 Screen form creation department 112 Insurance premium calculation department 113 Invoice creation department 120 Inventory management / insurance premium data storage means 130 Monitor Terminal 200 Insurance company terminal

Claims (6)

Between the processing server, the inventory management / insurance premium data storage means, the monitor terminal, the inventory management data transmission / reception means for transmitting / receiving data between the inventory management system of the customer company, and the insurance company. It is a monthly premium calculation system for comprehensive animal insurance that is operated by software and has at least a data receiving / transmitting means for insurance companies that sends and receives data.
As an initial setting, the inventory information data of the company is taken into the processing server, and based on this, a master displaying the insurance target items is created.
The master is transmitted to the terminal of the insurance company via the data receiving / transmitting means for the insurance company, the insurance company inputs the insurance premium rate for each item to be insured, and then the data of the insurance premium rate is processed. Sent to the server
The daily insurance management data is imported into the processing server every day, and the daily insurance premium for each insurance coverage item is calculated from the updated inventory management data and the insurance premium rate, and for each insurance coverage item. The daily insurance premiums are totaled to calculate the daily insurance premiums of the company, which are stored in the inventory management / insurance premium data storage means.
A monthly insurance premium calculation system that calculates monthly insurance premiums by accumulating the daily insurance premiums of the company at the end of the month and sends the calculation results to the company and the insurance company. The monthly insurance premium calculation system according to claim 1, wherein the inventory management data includes each quantity and / or amount of goods receipt, inventory, delivery, inventory, and return. The monthly insurance premium calculation system according to claim 1 or 2, wherein the insurance target item is a warehouse name. The monthly insurance premium calculation system according to claim 1 or 2, wherein the insurance target item is a product name. The monthly insurance according to any one of claims 1 to 4, which is configured so that a discounted insurance premium rate considering the contract years of the customer or a large customer can be used as the insurance premium rate. Charge calculation system. If there is an unregistered product in the inventory management system in the inventory of the company, in order to compensate for the unregistered product as well, an additional amount arbitrarily determined in advance at the time of creating the master is used as the current registered inventory amount. The monthly premium calculation system according to any one of claims 1 to 5, which is configured to be added to the insured inventory amount.

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