JP7045015B6 - Loss rate management system - Google Patents

Loss rate management system Download PDF

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JP7045015B6
JP7045015B6 JP2020153907A JP2020153907A JP7045015B6 JP 7045015 B6 JP7045015 B6 JP 7045015B6 JP 2020153907 A JP2020153907 A JP 2020153907A JP 2020153907 A JP2020153907 A JP 2020153907A JP 7045015 B6 JP7045015 B6 JP 7045015B6
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周平 前澤
翼 一戸
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THERE WIN THREE SERVICE CO., LTD.
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Abstract

Figure 0007045015000001

【課題】販売された商品に付帯した損害保険の次期の保険料を決定するために、損害率を算出する損害率管理システムを提供する。
【解決手段】損害率管理システム１００は、損害率・保険料計算手段１２０と、小売店の端末との間および保険会社の端末との間でデータの送受信を行うデータ送受信手段１３０と、データ処理サーバ１１０と、データ記憶手段１４０と、モニタ１５０と、を備える。損害率・保険料計算手段１２０は、損害率および次期保険料の予測値を定期的に計算し、この計算結果を小売店端末２１０および保険会社端末３１０に送信する。小売店はこれに基づいて、次期の商品の販売計画を設定し、保険会社は次期の保険料を設定する。
【選択図】図２
Figure 0007045015000001

PROBLEM TO BE SOLVED: To provide a loss ratio management system for calculating a loss ratio in order to determine the next premium of non-life insurance attached to a sold product.
A loss rate management system 100 includes a loss rate / insurance premium calculation means 120, a data transmission / reception means 130 for transmitting / receiving data between a terminal of a retail store and a terminal of an insurance company, and data processing. It includes a server 110, a data storage means 140, and a monitor 150. The loss ratio / insurance premium calculation means 120 periodically calculates the loss ratio and the predicted value of the next insurance premium, and transmits the calculation result to the retail store terminal 210 and the insurance company terminal 310. Based on this, retailers set sales plans for the next product, and insurance companies set premiums for the next.
[Selection diagram] Fig. 2

Description

本発明は、損害保険付帯商品の小売店の販売データを基に損害率を計算し、小売店や保険会社に定期的に提供して、適正な次期保険料を決定する損害率管理システムに関する。 The present invention relates to a loss ratio management system that calculates a loss ratio based on sales data of a retail store of non-life insurance incidental products and periodically provides the loss ratio to the retail store or an insurance company to determine an appropriate next-term insurance premium.

現在小売店やインターネットで販売されている一部の商品（例えばスマートフォン、家電、タイヤ、自動車部品）には所定の期間保証が付帯しており、販売した商品が故障や破損した場合には、所定の有効期間、金額の範囲内で商品の修理費や交換費用が保証されている。これらの保証にかかる費用は、小売店が保険会社やその代理店と契約した損害保険によりまかなわれる。 Some products currently sold in retail stores and on the Internet (for example, smartphones, home appliances, tires, automobile parts) come with a specified period warranty, and if the sold product breaks down or is damaged, it is specified. The repair cost and replacement cost of the product are guaranteed within the range of the validity period and amount of money. The cost of these guarantees is covered by non-life insurance contracted by the retailer with the insurance company and its agents.

ある時点で商品Ａが故障または破損した場合、これに対して保険会社から小売店に支払われる保険金は、小売店が商品Ａに対して支払っている損害保険Ａの保険料からまかなわれる。その保険料は損害保険Ａの損害率を基にして決定されるが、顧客が対象の商品Ａを購入した日にちは不規則であり、従ってその物品の損害保険Ａの期間が開始となる日にちも不規則となる。さらに、損害保険Ａのような約定履行費用保険では、多くの場合契約期間は１年であり、損害が発生した日にちは通常保険Ａの満期日以前であり、経過した保険期間も個々に異なっている。そのため、販売されたすべての商品Ａの個々の損害額や経過保険期間を全て反映させて保険料を算出することは極めて煩雑な作業となる。 If the product A breaks down or is damaged at a certain point in time, the insurance money paid by the insurance company to the retail store is covered by the insurance premium of the non-life insurance A paid by the retail store to the product A. The premium is determined based on the loss ratio of non-life insurance A, but the date when the customer purchases the target product A is irregular, and therefore the date when the non-life insurance A period of the item starts. It becomes irregular. Furthermore, in the case of contract performance cost insurance such as non-life insurance A, the contract period is often one year, the date when the damage occurs is before the maturity date of ordinary insurance A, and the elapsed insurance period is also different for each individual. There is. Therefore, it is an extremely complicated task to calculate the insurance premium by reflecting all the individual damage amounts and the elapsed insurance period of all the sold products A.

当期の保険期間が終了し、小売店の次期の保険料を決定する場合、保険会社は保険の基本的指標である「損害率」に基づいて決定する。「損害率」は「保険金」を「保険料」で割った値であり、これが大きくなりすぎて保険会社の収益が悪化しないように、通常は７０％程度に設定されている。上述のように、販売された商品の損害を保証する保険の場合、通常はアーンド・インカード（ＥＩ：Earned Incurred）損害率を用いて計算する。ＥＩ損害率は次の（式１）で定義される。
（ＥＩ損害率）＝（発生損害額）／（既経過保険料） （式１）
ここで、既経過保険料は保険会社が受け取った保険料の内、当期間の保証に充てるべき保険料、発生損害額は当期に発生した事故に係る保険金である。もちろん他の定義による損害率を適宜用いてもよい。 When the insurance period for the current period ends and the retailer decides the next premium, the insurance company decides based on the "loss ratio" which is the basic index of insurance. The "loss ratio" is the value obtained by dividing the "insurance money" by the "insurance premium", and is usually set to about 70% so that the profit of the insurance company does not deteriorate because it becomes too large. As mentioned above, in the case of insurance that guarantees damage to the sold goods, it is usually calculated using the Earned Incurred (EI) damage ratio. The EI loss ratio is defined by the following (Equation 1).
(EI damage ratio) = (damage incurred) / (previous insurance premium) (Equation 1)
Here, the accumulated insurance premium is the insurance premium received by the insurance company and should be used for the guarantee for the current period, and the amount of damage incurred is the insurance money related to the accident that occurred in the current period. Of course, the loss ratio according to another definition may be used as appropriate.

特開２００２－３７３２５９号公報Japanese Patent Application Laid-Open No. 2002-373259

損害保険Ａのような約定履行費用保険においては、損害率の計算は通常エクセル入力による手計算で行うため、上述のように煩雑であり事務作業の負担が大きい。そのため、保険会社あるいは代理店はクライアント（小売店）に対して損害率の毎月の提示は行わず、保険の更新時やクライアントに途中経過の報告を求められた場合、あるいは重要なクライアントに特例として半期に１度損害率の提示を行う程度である。一般にクライアントは、保険満期の約１ヶ月前に提示された損害率に基づく次年度保険料をもとに、次年度の保証サービスの継続可否の意思決定を迫られるという事も珍しくない。生命保険や火災保険のような一部の保険商品においては、被保険者または証券を指定して損害率等の計算を、コンピュータで自動で行わせるシステムは存在するが（例えば、特許文献１）、あくまで保険会社が社内管理のために使用しているに過ぎず、損害率を提示する、または損害率の推移を提示するものではない。また、比較的低価格な上述の商品の損害保険では、保険の契約者（商品の顧客）の数も多く、扱うデータ量も大きいため、損害率の計算を自動で行なうシステムはこれまで存在しない。 In contract performance cost insurance such as non-life insurance A, the loss ratio is usually calculated manually by Excel input, so that it is complicated and the burden of clerical work is heavy as described above. Therefore, the insurance company or agency does not provide the client (retail store) with the loss ratio every month, but when the insurance is renewed, when the client is requested to report the progress, or as a special case for important clients. The loss ratio is presented once every six months. In general, it is not uncommon for clients to be forced to make a decision on whether or not to continue the guarantee service for the next year based on the next year's premium based on the loss ratio presented about one month before the insurance maturity. In some insurance products such as life insurance and fire insurance, there is a system that automatically calculates the loss ratio, etc. by designating the insured or securities (for example, Patent Document 1). , It is only used by insurance companies for internal management, and does not present the loss ratio or the transition of the loss ratio. In addition, in the case of non-life insurance for the above-mentioned products, which are relatively low-priced, there is no system that automatically calculates the loss ratio because the number of policyholders (customers of the product) is large and the amount of data handled is large. ..

本発明は、保険料の算出の基礎となる損害率を、定期的に、好適には日毎に自動計算し、小売店および保険会社にその推移をオンラインで提示するので、小売店は次期の保険料のための予算、商品の金額等を容易に設定でき、保険会社はこれに基づいて保険金を容易に設定変更することが可能となる損害率管理システムを提供することを目的とする。 The present invention automatically calculates the loss ratio, which is the basis for calculating insurance premiums, on a regular basis, preferably daily, and presents the transition to retailers and insurance companies online. The purpose is to provide a loss ratio management system that can easily set the budget for fees, the amount of products, etc., and the insurance company can easily change the setting of insurance money based on this.

本発明による損害率管理システムは、損害率・保険料計算手段と、小売店の端末との間および保険会社の端末との間でデータの送受信を行うデータ送受信手段とを備えるデータ処理サーバと、データ記憶手段と、モニタとを少なくとも備え、
前記データ処理サーバは、
ある品目の損害保険付帯商品が売れた時に、その日付、個数、価格を含む販売データを前記小売店の端末より前記データ送受信手段を介して受信し、前記データ記憶手段に記憶させ、また、前記損害保険付帯商品の販売日を前記損害保険付帯商品の損害保険の保険期間の開始日として記憶させ、
販売された前記損害保険付帯商品に故障や破損が発生した場合、前記小売店の端末から前記データ送受信手段を介して受信した、前記故障や破損に対する補償に要した金額を含む事故データを前記データ記憶手段に記憶させ、前記データ送受信手段を介して前記事故データを前記保険会社の端末に送信し、
前記損害保険付帯商品の個々の前記販売データ、前記保険期間のデータおよび前記事故データを前記データ記憶手段に集積し、該集積されたデータに基づいて前記損害率・保険料計算手段が損害率および次期保険料の予測値を定期的に計算し、該計算結果を前記データ記憶手段に記憶させるとともに前記モニタに表示させ、
計算された最新の前記損害率を、前記データ送受信手段を介して前記小売店の端末および前記保険会社の端末に送信する
ことを特徴としている。 The loss rate management system according to the present invention includes a data processing server including a loss rate / insurance premium calculation means and a data transmission / reception means for transmitting / receiving data between a terminal of a retail store and a terminal of an insurance company. With at least a data storage means and a monitor,
The data processing server is
When a non-life insurance product of a certain item is sold, sales data including the date, quantity, and price are received from the terminal of the retail store via the data transmission / reception means , stored in the data storage means, and also said. The sale date of the non-life insurance product is stored as the start date of the non-life insurance period of the non- life insurance product.
Accident data including the amount of money required for compensation for the failure or damage received from the terminal of the retail store via the data transmission / reception means when the sold product with non- life insurance is damaged or damaged. Is stored in the data storage means, and the accident data is transmitted to the terminal of the insurance company via the data transmission / reception means.
The sales data, the insurance period data, and the accident data of each of the non- life insurance incidental products are accumulated in the data storage means, and the loss rate / insurance premium calculation means is the loss rate based on the accumulated data. And the predicted value of the next insurance premium is calculated periodically , and the calculation result is stored in the data storage means and displayed on the monitor .
The latest calculated loss ratio is transmitted to the terminal of the retail store and the terminal of the insurance company via the data transmission / reception means.
It is characterized by that.

前記損害率は好適にはＥＩ損害率である。また前記損害率・保険料計算手段は損害率および次期保険料を日毎に計算するのが好適である。 The loss ratio is preferably an EI loss ratio. Further, it is preferable that the loss ratio / insurance premium calculation means calculates the loss ratio and the next insurance premium on a daily basis.

さらに本損害率管理システムは、計算された前記損害率が所定の損害率に達した場合に、前記保険会社、前記小売店それぞれの端末にアラートとして表示する機能を有しても良い。 Further, the loss rate management system may have a function of displaying as an alert on the terminals of the insurance company and the retail store when the calculated loss rate reaches a predetermined loss rate.

さらに、本損害率管理システムは他の保険・保証サービスの管理システムとＡＰＩ接続可能に構成されていてもよい。 Further, the loss ratio management system may be configured to be API connectable with the management system of other insurance / guarantee services.

本発明による損害率管理システムを用いれば、小売店は日毎に自動計算された損害率に基づいて計算された次期の保険金予測値をいつでも参照できるので、次年度の保険の継続の可否、保険料に必要な予算、商品の販売量、価格等の販売計画を立てることが容易になる。また保険会社は常に損害率を参照できるので、損害率を悪化させることなく保険料の設定を変えることができる。 By using the loss ratio management system according to the present invention, the retailer can always refer to the next insurance claim value calculated based on the daily automatically calculated loss ratio. It will be easier to make a sales plan such as the budget required for the insurance, the sales volume of the product, and the price. In addition, since the insurance company can always refer to the loss ratio, it is possible to change the setting of the insurance premium without deteriorating the loss ratio.

さらに、保険会社あるいは保険代理店は、同じ保険Ａに加入している複数の小売店の損害率を容易に比較できるので、個々の小売店に対して個別の保険料を設定、管理することが容易になり、収益性をより高めることが可能となる。また、ある小売店の損害率が著しく悪化した場合には、不正な保険申請を疑うことができ、申請状況などを調べることにより、小売店または顧客の不正を見つけ出すことも可能となる。 In addition, insurance companies or agents can easily compare the loss rates of multiple retailers with the same insurance A, allowing individual retailers to set and manage individual premiums. It will be easier and more profitable. In addition, if the loss ratio of a certain retail store deteriorates significantly, it is possible to suspect a fraudulent insurance application, and it is possible to find out the fraudulent activity of the retail store or the customer by examining the application status.

図１は、本発明の第１の実施例による損害率管理システムに係るデータの流れを模式的に示す図である。FIG. 1 is a diagram schematically showing a flow of data relating to a loss rate management system according to the first embodiment of the present invention. 図２は、本発明による損害率管理システムの構成を模式的に示す図である。FIG. 2 is a diagram schematically showing a configuration of a loss ratio management system according to the present invention. 図３は、本発明の第２の実施例による損害率管理システムに係るデータの流れを模式的に示す図である。FIG. 3 is a diagram schematically showing the flow of data related to the loss rate management system according to the second embodiment of the present invention.

（本損害率管理システムのデータの流れ）
本発明による損害率管理システムのデータの流れを図１に模式的に示す。小売店２０はスマートフォン、家電、タイヤ、自動車部品などの損害保険付き商品を顧客（１…ｎ）に販売する。売れた日時はランダムであり、売れた商品の数は日々増加する。小売店はある商品Ａが売れた日付、販売価格、数量等の販売データを保険代理店１０にオンラインで送付し、この販売データは保険代理店１０が管理する損害率管理システム１００に記憶される。通常この販売データを受領した時が損害保険の開始日となり、保険データとしても入力される。 (Data flow of this loss rate management system)
The data flow of the loss ratio management system according to the present invention is schematically shown in FIG. The retail store 20 sells non-life insurance products such as smartphones, home appliances, tires, and automobile parts to customers (1 ... n). The dates and times of sales are random, and the number of products sold increases daily. The retail store sends sales data such as the date, selling price, and quantity of a certain product A to the insurance agency 10 online, and this sales data is stored in the loss ratio management system 100 managed by the insurance agency 10. .. Normally, the time when this sales data is received is the start date of non-life insurance, and it is also entered as insurance data.

購入した商品に故障や破損が発生したという連絡を顧客から受けた場合、小売店は故障や破損の程度を確認し、保険の対象条件に該当すれば、小売店２０は顧客から商品を引き取り修理または交換を行う。小売店はこの補償に要した金額等のデータ（事故データ）を保険代理店１０にオンラインで送信し、この事故データは損害率管理システム１００に記録される。またこれらのデータは保険代理店１０から保険会社３０にも送信される。このような個々の商品Ａの保険データおよび事故データを集積し、例えば月末に保険代理店１０あるいは保険会社３０は小売店２０に保険金を支払う。 When the customer informs that the purchased product has a failure or damage, the retail store checks the degree of the failure or damage, and if the conditions covered by the insurance are met, the retail store 20 picks up the product from the customer and repairs it. Or replace it. The retail store sends data (accident data) such as the amount of money required for this compensation online to the insurance agency 10, and the accident data is recorded in the loss ratio management system 100. These data are also transmitted from the insurance agent 10 to the insurance company 30. Such insurance data and accident data of each product A are accumulated, and for example, at the end of the month, the insurance agent 10 or the insurance company 30 pays the insurance money to the retail store 20.

一方、本損害率管理システムは、このように集積された商品Ａの保険データ、事故データおよび現在の保険料に基づいてＥＩ損害率を計算し、計算結果は小売店２０および保険会社３０に送信され表示される。従って、保険代理店１０だけでなく保険会社３０、小売店２０も常に最新の損害率を把握することができる。ＥＩ損害率は定期的、例えば日毎に計算され、ＥＩ損害率の推移がチャート、グラフで表示されるようにしてもよい。 On the other hand, this loss ratio management system calculates the EI loss ratio based on the insurance data, accident data and current insurance premiums of the product A accumulated in this way, and sends the calculation result to the retail store 20 and the insurance company 30. Is displayed. Therefore, not only the insurance agency 10 but also the insurance company 30 and the retail store 20 can always grasp the latest loss ratio. The EI loss ratio may be calculated periodically, for example, daily, and the transition of the EI loss ratio may be displayed in a chart or a graph.

また、所定のＥＩ損害率（例えば７０％）に達した場合に、保険会社３０、小売店２０それぞれの端末に色や音によりアラートとして表示を出すようにしてもよい。これによって、保険会社３０はＥＩ損害率の推移を評価し、今後保険の収益性が悪化すると判断した場合には保険料を高く改定して来期の保険料として保険代理店１０に送信し、損害管理システムに記憶させる。あるいは、ＥＩ損害率の最大値を予め設定し、これに達した時に所定の損害率の値に戻すような保険料を、損害管理システムが自動で計算するようにしてもよい。このように計算された最新の次期保険料の予測値は、小売店２０に定期的に送信され表示される。 Further, when a predetermined EI loss ratio (for example, 70%) is reached, an alert may be displayed as an alert by color or sound on the terminals of the insurance company 30 and the retail store 20. As a result, the insurance company 30 evaluates the transition of the EI loss ratio, and if it judges that the profitability of the insurance will deteriorate in the future, the insurance premium will be revised higher and sent to the insurance agency 10 as the insurance premium for the next fiscal year, and the damage will be damaged. Store it in the management system. Alternatively, the damage management system may automatically calculate an insurance premium in which the maximum value of the EI loss ratio is set in advance and the value is returned to the predetermined loss ratio when the maximum value is reached. The latest forecast value of the next premium calculated in this way is periodically transmitted and displayed to the retail store 20.

商品Ａは通常複数の小売店で販売されているので、本損害率管理システム１００により、保険代理店１０は小売店２０による損害率の差を把握することが可能となる。従って、商品Ａに対する保険料は小売店に対して一律にする必要はなく、ＥＩ損害率の大きい小売店は保険料を高くするというように、小売店毎に保険料を設定することも可能になる。さらに、ある小売店の損害率が著しく悪化した場合には、不正な保険申請を疑うこともでき、申請状況などを調べることにより、小売店または顧客の不正を見つけ出すことも可能となる。
（本システムの構成） Since the product A is usually sold at a plurality of retail stores, the loss ratio management system 100 enables the insurance agent 10 to grasp the difference in the loss ratio between the retail stores 20. Therefore, it is not necessary to make the insurance premiums for product A uniform for retailers, and it is possible to set insurance premiums for each retailer, such as retailers with a large EI loss ratio have higher insurance premiums. Become. Furthermore, if the loss ratio of a retail store deteriorates significantly, it is possible to suspect fraudulent insurance applications, and it is possible to find out fraudulent activities at retail stores or customers by examining the application status.
(Configuration of this system)

図２に本発明による損害率管理システム１００の構成を模式的に示す。損害率管理システム１００は、損害率・保険料計算手段１２０、データ送受信手段１３０を備えたデータ処理サーバ１１０、およびデータ記憶手段１４０、モニタ１５０とから構成されている。データ処理サーバ１１０はデータ送受信手段１３０からインターネット（登録商標）を介して小売店の端末２１０および保険会社の端末３１０とデータの送受信を行う。データ記憶手段１４０は小売店から日毎送られてくる保険データ、事故データを記録し、これらのデータを基に損害率・保険料計算手段１２０により損害率および保険料予測値を自動計算し、計算結果をデータ記憶手段１４０に記憶させる。データ記憶手段１４０はメモリ・デバイス、ハード・ディスク、データベース・サーバ等のいずれの形式による記憶手段であってもよい。 FIG. 2 schematically shows the configuration of the damage rate management system 100 according to the present invention. The loss rate management system 100 includes a loss rate / insurance premium calculation unit 120, a data processing server 110 including a data transmission / reception unit 130, a data storage unit 140, and a monitor 150. The data processing server 110 transmits / receives data from the data transmitting / receiving means 130 to / from the terminal 210 of the retail store and the terminal 310 of the insurance company via the Internet (registered trademark). The data storage means 140 records insurance data and accident data sent daily from retail stores, and based on these data, the loss ratio / insurance premium calculation means 120 automatically calculates and calculates the loss ratio and insurance premium forecast value. The result is stored in the data storage means 140. The data storage means 140 may be a storage means in any format such as a memory device, a hard disk, or a database server.

モニタ１５０は、日毎に計算されたＥＩ損害率、保険料予測値の数値の表、およびこれらの推移のチャート、グラフを表示する。なおデータ処理サーバ１１０は、ＣＳＶ形式で別途記入されたれた保険データ、事故データを、損害率およびその推移のチャート、グラフとして表示させる機能を有していても良い。これにより、本システムにオンラインで入力されなかったデータや本システム導入前のデータ等を取り込むこともできる。損害率を含む各種データの推移のチャート、グラフの画面はデータ送受信手段１３０を介して小売店の端末２１０および保険会社の端末３１０のモニタにも表示させることができる。 The monitor 150 displays a table of numerical values of EI loss ratio and insurance premium forecast value calculated daily, and charts and graphs of these transitions. The data processing server 110 may have a function of displaying insurance data and accident data separately entered in CSV format as a chart or a graph of the loss ratio and its transition. As a result, it is possible to capture data that was not input online into this system, data before the introduction of this system, and the like. The screens of charts and graphs of transitions of various data including the loss ratio can be displayed on the monitors of the terminal 210 of the retail store and the terminal 310 of the insurance company via the data transmission / reception means 130.

さらに、本発明による損害率管理システム１００は、他の種々の保険・保証サービスの管理システムとＡＰＩ（Application Programming Interface）接続する機能を備えていてもよい。これにより、各種保険の損害率、保険料の計算に本システムの機能を容易に利用することができる。 Further, the loss ratio management system 100 according to the present invention may have a function of connecting to a management system of various other insurance / guarantee services by API (Application Programming Interface). As a result, the functions of this system can be easily used to calculate the loss ratio and premium of various types of insurance.

実施例１では保険代理人１０が損害率管理システム１００を所有、管理する例を説明したが、図３に模式的に示すように、保険会社３０が直接損害率管理システム１００を所有し、管理を行ってもよい. In the first embodiment, an example in which the insurance agent 10 owns and manages the loss rate management system 100 has been described. However, as schematically shown in FIG. 3, the insurance company 30 directly owns and manages the loss rate management system 100. May be done.

上記記載は実施例についてなされたが、本発明はそれに限らず、本発明の原理と添付の請求の範囲の範囲内で種々の変更および修正をすることができることは当業者に明らかである。 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 保険代理店
２０ 小売店
３０ 保険会社
１００ 損害率管理システム
１１０ データ処理サーバ
１２０ 損害率・保険料計算手段
１３０ データ送受信手段
１４０ データ記憶手段
１５０ モニタ
２１０ 小売店の端末
３１０ 保険会社の端末 10 Insurance agency 20 Retail store 30 Insurance company 100 Loss rate management system 110 Data processing server 120 Damage rate / insurance premium calculation means 130 Data transmission / reception means 140 Data storage means 150 Monitor 210 Retail store terminal 310 Insurance company terminal

Claims (5)

商品の損害保険の損害率管理システムであって、損害率・保険料計算手段と、小売店の端末との間および保険会社の端末との間でデータの送受信を行うデータ送受信手段とを備えるデータ処理サーバと、データ記憶手段と、モニタとを少なくとも備える損害率管理システムであって、
前記データ処理サーバは、
ある品目の損害保険付帯商品が売れた時に、その日付、個数、価格を含む販売データを前記小売店の端末より前記データ送受信手段を介して受信し、前記データ記憶手段に記憶させ、また、前記損害保険付帯商品の販売日を前記損害保険付帯商品の損害保険の保険期間の開始日として記憶させ、
販売された前記損害保険付帯商品に故障や破損が発生した場合、前記小売店の端末から前記データ送受信手段を介して受信した、前記故障や破損に対する補償に要した金額を含む事故データを、前記データ記憶手段に記憶させ、前記データ送受信手段を介して前記事故データを前記保険会社の端末に送信し、
前記損害保険付帯商品の個々の前記販売データ、前記保険期間のデータおよび前記事故データを前記データ記憶手段に集積し、該集積されたデータに基づいて前記損害率・保険料計算手段が損害率および次期保険料の予測値を定期的に計算し、該計算結果を前記データ記憶手段に記憶させるとともに前記モニタに表示させ、
計算された最新の前記損害率を、前記データ送受信手段を介して前記小売店の端末および前記保険会社の端末に送信する
損害率管理システム。 Data that is a loss rate management system for product non-life insurance and includes data transmission / reception means for transmitting / receiving data between a loss rate / insurance premium calculation means and a terminal of a retail store and between a terminal of an insurance company. A loss rate management system that includes at least a processing server, data storage means, and a monitor.
The data processing server is
When a non-life insurance product of a certain item is sold, sales data including the date, quantity, and price are received from the terminal of the retail store via the data transmission / reception means , stored in the data storage means, and also said. The sale date of the non-life insurance product is stored as the start date of the non-life insurance period of the non- life insurance product.
Accident data including the amount of money required for compensation for the failure or damage received from the terminal of the retail store via the data transmission / reception means when the sold product with non- life insurance is damaged or damaged. Is stored in the data storage means, and the accident data is transmitted to the terminal of the insurance company via the data transmission / reception means.
The sales data, the insurance period data, and the accident data of each of the non- life insurance incidental products are accumulated in the data storage means, and the loss rate / insurance premium calculation means is the loss rate based on the accumulated data. And the predicted value of the next insurance premium is calculated periodically , and the calculation result is stored in the data storage means and displayed on the monitor .
The latest calculated loss ratio is transmitted to the terminal of the retail store and the terminal of the insurance company via the data transmission / reception means.
Loss rate management system. 前記損害率がＥＩ損害率である、請求項１に記載の損害率管理システム。 The loss rate management system according to claim 1, wherein the loss rate is an EI loss rate. 前記損害率・保険料計算手段が損害率および次期保険料を日毎に計算する、請求項１または２に記載の損害率管理システム。 The loss rate management system according to claim 1 or 2, wherein the loss rate / insurance premium calculation means calculates the loss rate and the next insurance premium on a daily basis. 計算された前記損害率が所定の損害率に達した場合に、前記保険会社、前記小売店それぞれの端末にアラートとして表示する、請求項１～３のいずれか１項に記載の損害率管理システム。 The loss rate management system according to any one of claims 1 to 3, which is displayed as an alert on the terminals of the insurance company and the retail store when the calculated loss rate reaches a predetermined loss rate. .. 他の保険・保証サービスの管理システムとＡＰＩ接続可能に構成されている、請求項１～４のいずれか１項に記載の損害率管理システム。
The loss ratio management system according to any one of claims 1 to 4, which is configured to be API connectable to other insurance / guarantee service management systems.
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JP2002373259A (en) 2001-03-29 2002-12-26 Mizuho Dl Financial Technology Co Ltd Net premium calculation method in property insurance or the like using individual risk model and system therefor
JP2003030443A (en) 2001-07-19 2003-01-31 Tokio Marine & Fire Insurance Co Ltd Business server, insurance company server, method for acquiring insurance premium estimation result, method for generating data for estimation, method for estimating insurance premium and program
JP2003044675A (en) 2001-07-27 2003-02-14 Veriserve Corp Verification insurance management system, verification insurance management method and program

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Publication number Priority date Publication date Assignee Title
JP2002373259A (en) 2001-03-29 2002-12-26 Mizuho Dl Financial Technology Co Ltd Net premium calculation method in property insurance or the like using individual risk model and system therefor
JP2003030443A (en) 2001-07-19 2003-01-31 Tokio Marine & Fire Insurance Co Ltd Business server, insurance company server, method for acquiring insurance premium estimation result, method for generating data for estimation, method for estimating insurance premium and program
JP2003044675A (en) 2001-07-27 2003-02-14 Veriserve Corp Verification insurance management system, verification insurance management method and program

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